Below you can find answers to our most commonly asked questions about personal leasing. Can’t find the answer you’re looking for? Give us a ring.
Covid-19 FAQs: New Customers
If in doubt, contact us. We’re here to help.
We're delivering now! After a successful trial, we are now successfully delivering cars to our customers. We're prioritising customers that have already placed their order, plus it takes a little more to make sure the delivery is safe so if you order a car that's in stock today, it will arrive with you within 5 - 6 weeks.
If you're thinking of ordering something that isn't in stock, it takes 12 weeks on average to come into stock once production starts but that is really only a guide. If you need a more accurate date then just get in touch.
Simply put, we follow government guidelines. You can find a lot more information about what's involved here.
If you have any concerns or questions, please just get in touch.
Covid-19 FAQs: Existing Customers
If your MOT due date was before 1st August, you have an extra 6 months to get your car tested. It’s still your responsibility to make sure the car is roadworthy. As the MOT is to make sure your car is safe, it’s a good idea to get it done as soon as possible. There’s loads more information about the government MOT extension here.
If your MOT is due on or after the 1st of August then your due date doesn’t change, so you’ll need to get the test booked in before that date.
It’s important to get your car serviced to make sure it stays running well, not just because it’s a condition of your lease. We would recommend getting a service booked in as soon as you can once it’s due.
We’ll book your MOT or service for you if you picked our maintenance package, just give us a call and we’ll take it from there.
- Make sure everyone is safe
- Call the police and an ambulance if anyone is injured
- Swap contact details with anyone that was involved, including anyone that may have seen it happen
- If it’s safe to, take pictures of the cars involved (even if there’s no damage) and the road layout
- Don’t admit liability
If you break down, call the AA. Their regular patrol service is running – 0800 028 0205.
If you’ve been personally impacted and you’re struggling financially because of Covid-19, please get in touch at email@example.com. We will work with you to find a solution to help get you through these incredibly difficult times, in some circumstances that could be a payment holiday of up to 3 months.
If we do agree to change your payment structure in relation to the impact of Covid-19 you can rest assured that this won't affect your credit history.
You can get free, impartial advice from the Money Advice Service too.
Ordering and paying for my car
If a car's missing a feature you're after you should be able to add it. You might have to wait a little longer for delivery, as we'll get the manufacturer to make your car to your spec. But you'll get exactly what you want. Winner.
As soon as you order your car, we'll be able to give you a delivery date for stock deals or an approximate delivery date for anything bespoke.
Or you can give Tom and the team a bell and they'll help you pick your car and order it online. They can call you back if it's easier.
They'll give you loads more info about any cars you've got your eye on (once you get them started, it might be difficult to get them to stop). They'll also tell you how much the car costs, and they'll let you know how long it should take to deliver it.
Yes. We'd hate to see anyone get into money struggles to drive one of our cars. So, we always run a credit check to make sure you can afford the lease you're after. We'll check your ID too (to make sure you're really you). The checks will show up on your credit history, which means other lenders could see them if you apply for credit somewhere else.
If you're not sure whether you'll pass our checks, you can use our finance eligibility checker to find out, without impacting your credit score.
- Car insurance (and you have to prove you've insured your car before we hand over the keys)
- Maintenance and servicing if you didn't choose this option when you ordered
If you're leasing something, you don't own it (you give it back when the lease is up). That often makes it cheaper than buying the same thing outright. So, leasing a new car is usually cheaper than buying one. If you're not sure if a lease is for you, you might find this information about personal leasing by Parkers useful. The Parkers team are car nuts like us. They also know a thing or two about the different ways you can lease and buy cars.
The VIP treatment. You can come to us to help sort your car's maintenance throughout your lease.
1.All the servicing that the car needs during the lease, we'll find a garage and even book it in at a convenient time for you.
2. MOT tests (if your lease is long enough that you need one)
3. Replacement tyres (if you get a puncture or due to general wear and tear)
4. Exhaust and battery repairs (fixes or replacement through due to air wear and tear)
'Fair wear and tear' damage is caused through normal use of the car. You can get the full low down on all things maintenance related here.
If you don't go for our maintenance package, then you'll need to take care of the car's maintenance yourself.
- breakdown assistance and recovery from the AA
- a manufacturer’s warranty on any parts that need repairing or replacing
- road tax (officially called a 'Road Fund Licence')
- maintenance and servicing if you have choose this option when you order
As long a you live in mainland UK, we'll deliver your car to your home, for free. So, make sure you give us the right address when you order. We can't deliver anywhere other than your home address as we need to be completely sure we're giving the keys to the right person.
- PCH (Personal Contract Hire) is a lease. We ask you to pay a fixed amount each month, but you never own your car. We like PCH because you usually pay less each month, compared with PCP. And if you want to upgrade to a newer model when the lease is up, you don't have the hassle of selling your current car first. So, you've got even more time to spec your next new car, just the way you want it.
- PCP (Personal Contract Purchase) is a type of hire purchase. Your monthly payments are based on how much the car should be worth at the end of the contract, so it's cheaper than paying for a car on monthly installments. When the contract's up, you have the choice to give the car back or buy it. The final amount you pay for the car will vary a lot from deal to deal.
Our finance eligibility checker
It’s a way of finding out if your credit application will be accepted when you place an order, without impacting your credit record. Sometimes known as a ‘soft’ credit check, it’s not visible on your credit record so no other lenders will be able to see it.
You share some basic information with us (recent addresses, income and employment status) and we tell you how likely you are to get a positive finance decision when you place your order.
It’s always best to check your credit record to be sure that there’s nothing new or surprising there. The Money Advice Service have loads of really useful (and impartial) information which might be useful.
Re-running the check will get the same results unless your credit record changes.
It's a way of finding out how likely you are to be accepted for the finance agreement for your lease, without impacting your credit score. You give us some basic information and we tell you your chances of being accepted as a percentage based on our checks. The checks we do will be invisible to anyone other than you (and us), so they won't be considered by other lenders.
We can't be absolutely certain whether you will or won't be accepted until we run a full check when you apply for a lease with us (sometimes known as a hard check), but this 'soft' check will give you an idea of your chances.
You can more information about the things that could affect your chances of being accepted for finance from the Money Advice Service
It simply means the car has already been registered, so might not carry the latest registration plate. It’s effectively still a new car and you’ll be the first proper driver, but we filed the paperwork to say we owned the car at some point in the past.
Our pre-registered cars are NOT ex demo cars, as can sometimes be the case. They’re new.
Where we have already registered a car and it doesn’t have the latest registration plate, we’ll make it clear in the way the car is named ie Audi A3 TFSI – Automatic – ’20 Plate
You’re looking for the 3rd and 4th character in the registration plate to tell when the car was registered. A car with registration AB70 CDE was registered between 1st September 2020 and 28th of February 2021.
|1st March – 31st Aug 2019||19|
|1st Sept – 28th Feb 2020||69|
|1st March – 31st Aug 2020||20|
|1st Sept – 28th Feb 2021||70|
|1st March – 31st Aug 2021||21|
The car’s warranty, MOT and service clock starts ticking on a car as soon as it’s registered. For example, if you have a 3-year lease on a pre-registered car, you will need to get an MOT test done before you return it. It’s important to take costs such as these into account before you sign the lease agreement.
It also means you’ll get a bit of a bargain on a car that can be delivered pretty quickly. These cars are built and in the UK just waiting for you to order them. We would much rather have them on your driveway than ours, so we can price them even more keenly.