r/CarLeasingUK

Hey guys, planning a 4 day road trip from London to Wales and trying to figure out which rental company is actually worth using in the UK.

Considering options like Sixt, Enterprise, Europcar, Turo etc.

Main things I care about:
• decent cars, not completely destroyed
• smooth pickup/dropoff
• no weird hidden charges
• good insurance experience if something happens
• reasonable deposit
• better chance of getting the class booked or an upgrade

I’m 27 if that matters for any companies/policies.

Would also appreciate hearing:
• companies you had genuinely good experiences with
• companies you would absolutely avoid
• whether Turo is worth it in the UK compared to normal rental companies

Trip is specifically for driving around Wales for 4 days, so comfort and reliability matter more than getting the absolute cheapest option.

And please, no “just take the train” recommendations 😅

I am about to press the button on a new VW ID.4 lease. I've been offered a maintenance plan. The lease is in the UK for 2 years/20000 miles. The maintenance plan works out as £350 total over the 2 years. Do you think it is worth it for an EV? I already have roadside assistance anyway so do not need this benefit. I know a single service will be cheaper but am I likely to run into other costs/consumables in first 2 years? Thanks all!

Over view - 3 year finance policy on a commercial vehicle for my LTD VAT registered business at the time. Personal guarantee on policy.

I had paid c.18 months of the contract but my LTD business went bust. I contact the finance house and said the business wouldn't be able to keep up with the payments so they demanded a contact termination. I did ask if I could transfer the policy to me personally but this denied. Once termination was confirmed they picked up the vehicle after about a month. I did not use the vehicle in this time. The vehicle was collected in July 2025. There was absolutely no communication with me or anyone in the business until March 2026 - a letter was sent demanding a shortfall payment of over £16,000. The letter was sent by debt collectors and not by the finance house its self so clearly had already been escalated despite no contact with me.

Once I starting looking into the events, it transpired that firstly the vehicle was not sent to auction (BCA) until January 2026, 6 months after collection from me and 7 months from initial contract termination. Secondly the VAT structure of the sale was VAT inclusive when commercial vehicles should always be hammer price plus VAT so there was another 20% shortfall from the asset sale price through incorrect VAT structure that was passed onto me to cover.

After a few to and fros with the finance house and presenting this information they did initially offer me a reduction of about £4,500 but still leaving me with a bill of over £11,000. After refusing this offer, they started to bring completely false information to the table e.g the vehicle was in poor mechanical condition - N.B the vehicle was and is still within manufactures warranty and was in perfect working order and up to date with servicing from main dealer - this is all documented. They also said and provided what I think to be edited or manufactured job sheets where I had said the gearbox was broken so it would need a tow truck for collection etc. N.B the vehicle was used everyday for my business and was never broken down. I used it everyday until the terminated the contract after which the vehicle sat on my driveway for a month without being used. They have also made their position clear and will "robustly defend" the bill if I do not pay.

Is there anyone on here with legal insight or expertise in this field? I strongly feel this is gross misconduct at the very least but I am fully aware that if I am to pay this, it will likely result in me having to personally file for bankruptcy. Its a concerning situation but I can not believe that they have acted correctly or even legally here and as it stands I think there is good argument for complete dismissal.

Any help or advice greatly appreciated. Thank you.

We’ve just signed on a lease for a Leapmotor B10 and awaiting delivery in the next few more this. We are new to leasing and wanted to know if cosmetic damage insurance against “dings dents and scratches” was worth it?

My previous car I wouldn’t care if it had a dent in it for weeks but I’m aware I’d have to take really good care of a leased car…

I am planning on purchasing a new car via PCP soon. It is my first time using this type of finance so I am still getting my head around the logistics and would love some advice from anyone who has been through it.

The car is around £37k and I am looking at putting down a £12k deposit. With the interest rate at about 1.9 per cent the monthly payments are coming out at roughly £250 over four years. There is a final balloon payment of £14k which I definitely plan on paying off at the end. I want to keep as much cash accessible as possible rather than sinking it all into the car upfront and the interest seems low enough to make this a sensible route.

I have a few specific questions about how the handover works:

1. If I go ahead with the deal can I usually drive the car away on the same day or does the dealership typically need a few days to get everything ready?
2. Is GAP insurance actually worth it in this scenario or is it something I can skip?
3. I am trading in my current car as part of the deal. How does the insurance work for the journey home? Do I need to arrange a temporary policy myself or do dealers usually provide a five day driveaway cover to get me sorted?
4. I have set the annual mileage at 10k, though my actual average usually sits closer to 8k. The dealer mentioned a guaranteed future resale value of £14k, but I am not entirely sure what that implies in practice. Since I am planning to pay the final balloon payment and keep the car anyway, does it actually matter if I end up going over or under that mileage limit? Specifically, if the car has significantly fewer miles than expected and is technically worth more, will the dealer try to increase the balloon payment to reflect that extra value, or is that figure locked in from the start?

Is there anything else I should be aware of or look out for before I commit?

Thanks in advance for any help.

I am looking at getting a new car through a PCP agreement quite soon. This is a bit of a change for me because I have always just paid the cash price upfront in the past. Since this is my first time using finance I am still trying to wrap my head around the practical side of how it all works and I would really appreciate some advice from anyone who has done this before.

The car is around £37k and I am looking at putting down a £12k deposit. With the interest rate at 1.9% APR, the monthly payments are coming out at roughly £250 over four years. There is a final balloon payment of £14k which I definitely plan on paying off at the end. I want to keep as much cash accessible as possible rather than sinking it all into the car upfront and the interest seems low enough to make this a sensible route.

I have a few specific questions about how the handover works:

1. If I go ahead with the deal can I usually drive the car away on the same day or does the dealership typically need a few days to get everything ready?
2. Is GAP insurance actually worth it in this scenario or is it something I can skip?
3. I am trading in my current car as part of the deal. How does the insurance work for the journey home? Do I need to arrange a temporary policy myself or do dealers usually provide drive away cover to get me sorted?
4. I have set the annual mileage at 10k, though my actual average usually sits closer to 8k. The dealer mentioned a guaranteed future resale value of £14k, but I am not entirely sure what that implies in practice. Since I am planning to pay the final balloon payment and keep the car anyway, does it actually matter if I end up going over or under that mileage limit?

Is there anything else I should be aware of or look out for before I commit?

Thanks in advance for any help.

Hi, can anyone advise on this issue please ?

I have recently taken out a personal contract hire agreement, signed the agreement with the leasing company and paid them their arrangement fee but not signed the actual finance agreement with the funder.

Been informed the car is ready for delivery and being chased to sign the finance agreement.

However I've seen a better deal on a different car with the same leasing company and asked them if I can swap to the other car.

They have since replied saying yes I can change but will have to pay a % charge of the P11D value £1200 as I am outside of their 14 day colling off period.

Now this charge is stated on the contract i signed with the leasing company but is this legally enforceable from a FCA or BVLA view ?

Would anyone be able to shed any light ?

Thanks