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Car and van leasing is simply a long-term agreement that allows you or your company to use a vehicle for a set period of time at a fixed agreed monthly price. It is a cheaper funding solution than buying a new car or van with a bank loan or dealer finance. 

Find out some more information in our helpful video or look at down below for some of the most common questions we get about leasing. 


Is leasing just for businesses?

No, we can supply both business (Contract Hire)  and personal leases (Personal Contract Hire). When a business lease quotation is supplied the price will be shown excluding VAT, whereas a personal lease quotation will have the VAT automatically included for you.

What is the rental profile? How does this work? 

Car leasing deals are usually calculated over a 2 or 3-year term. For example with deals that are advertised as 3+23 or 3+35 contracts, the ‘3’ stands for 3 payments in advance, then +23 or +35 equates to the quantity of payments/months you will pay throughout the contract term. 

Is that your best deal – is there a way to better the monthly price? 

If you take a lease with a 9+35 rental profile your initial payment would increase but this means your monthly payments would be lower. Alternatively a 3+35 means your initial rental would be lower but your monthly payments would increase, so it really is a matter for you.

Is it a basic model – are there options on the vehicle? 

Options can be added to the vehicle at an additional cost. 

Is leasing the same as renting a vehicle? Are the cars made for you? 

A lease agreement, whether Business or Personal contract hire, has a set term, such as 24 or 36 months. You can choose the vehicle you would like to lease and have factory options added at an additional cost. 

When renting a car you have little choice of what vehicle you drive but would not be contracted to a fixed term however you will pay a premium price because of this. 

What is the difference between leasing and buying a vehicle? Is it worth the money? 

When purchasing a vehicle outright you pay a flat rate price and it is then yours to keep. Over time cars depreciate in value this would mean if you wanted to sell your vehicle at a later date you would receive a fraction of the original price. When leasing a car you can choose the length of your lease term i.e. 24 months. This means when you take out a new lease you will be provided with a brand new/ latest model vehicle and at the end of the contract, you have the opportunity to take out another lease. 

Example, an Audi A4 costs £29,000 and assume it will depreciate 30% over 3 years = £8,700 (Audis are renowned for lower than average depreciation). Add 8.9% APR and monthly payments on a lease would be approximately £277.00 each month for 36 months. If you compare this to buying the Audi A4 on a personal loan on the same APR, you will have a monthly payment of £920.84 for 36 months. Therefore, the question for you now becomes, is the want of owning the Audi A4 worth an extra £643 per month? If you buy the car, across 3 years you will pay a total of £33,150 for an asset worth £20,300 that will also be out of warranty at the end of year 3. 

How long do I have to wait until my new car arrives? 

When you place your order with us we will always look into our dealers stock to see if we can find you a vehicle with a short lead time. If we are unable to supply a stock vehicle or if you are ordering additional extras we will then factory order your vehicle. Factory order lead times fluctuate depending on the manufacturer, but we will always aim to supply the vehicle as quickly as possible for you. 

Do I own the car? 

No, with both ‘business contract hire’ and ‘personal contract hire’ the finance company are the legal owner of the car as shown on the V5 document. 

Do I have an option to buy the car? 

Some of our finance houses offer you the option to purchase the vehicle at the end of your lease. But we can’t always agree to this at the beginning of the lease as this will depend on the market at the time of purchase. 

Is maintenance included? 

Maintenance is not automatically included but we can provide you with a quotation for a monthly maintenance plan. This would include the vehicles servicing, tyres, incremental items and MOT’s if the lease runs long enough. 

Safety? Warranty? 

All lease cars come with the standard manufacturer warranty as supplied at main dealer level. 

What happens if you have an accident in a lease vehicle? What happens if you write the vehicle off? 

If the lease car has been in a road traffic accident then it is the same as any other situation – you would need to immediately get in touch with your insurance company. It is the driver’s responsibility to have the vehicle insured. If you are unfortunate enough to have your vehicle stolen or written off, there may be a shortfall between the value of the vehicle and the outstanding finance amount. If this is the case then we would recommend taking out a GAP policy. 

The key element is that the vehicle needs to go back at the end of the lease in a reasonable condition if an accident has occurred, it needs to be repaired by an authorised repairer. 

What is the next step once I have found a car and price I like? 

Please contact the Wessex Fleet sales team on 0330 221 0000 or email sales@wessexfleet.co.uk and leave an enquiry for us and we’ll get back to you as soon as we can.

 What happens if I lease a car and can no longer afford the monthly payments? 

If you decide to not pay your monthly payments due to not wanting your lease an early termination fee will occur. 

If you are unable to pay due to illness/ loss of job etc it will be decided by the finance company whether a fee will occur. 

What documents will be required from me? Paperwork? 

If you would like to take out a lease with Car Lease Special Offers we will need you to fill out and supply us with our finance proposal form. Once we have your finance approved we can then move on to the Order pack.We will also require a copy of your driving licence and a recent utility bill as forms of ID, these are required by the leasing funders. 

Why are some prices shown as + Vat? 

Business prices are provided with the VAT excluded, if you are interested in a personal lease we will supply you with a price with VAT included. 

What if I change my mind? Can I cancel the vehicle once ordered? 

If you change your mind it isn’t an issue, we can help you find another vehicle that better suits. If you want to cancel you agreement because you no longer require it then again this is fine, but you need to be aware that a cancellation agreement may apply. 

At the point of order, you will sign a Broker Agreement which forms part of the Authority to Order documentation this allows you to cancel the agreement within 14 days, after this the cancellation fee may apply. 

How does leasing affect my company car tax? 

Company car tax is affected by the P11d and the CO2 of that particular vehicle. For an accurate quote on the cost of a vehicle and its company car tax please contact the sales team on 0330 221 0000 who would be happy to help. 

If you are taking cash for a car from your employer then you do not pay company car tax and so you only need to look at the monthly rate rather than the P11d and Co2 of the vehicle. 

How did car lease special offers / Wessex Fleet come about? 

In 2004 the directors, all formally of Enterprise Rent a Car, decided that they would set up a fleet supply and management company called Wessex Fleet Solutions. Wessex Fleet Solutions provided services to businesses that include vehicle rental, vehicle supply, fleet management and much more.

Over the years the personal leasing market has grown dramatically and as this has grown the sales team at Wessex Fleet Solutions has expanded and is known as Car Lease Special Offers. 

Are there any hidden catches? 

All details will be sent to you disclosing all information necessary to the lease/ contract hire agreement – but no there isn’t any hidden charges. 

Where do you keep the cars? 

Cars are either factory made or in stock via the dealership. So if the vehicle is in stock, it will either be based at the dealerships compound or at the UK port. 

Why use you when I could go straight to a dealership? – discount levels and interest rates? 

It’s a great question. We use the biggest funders in the UK and as authorised partners, we are able to take advantage of their discounts this means we tend to be better than your local dealership due to numbers involved. 

We also have the advantage of not being tied to one funder like a dealership would, we can go to any finance house as they all vary in prices and offer you the best. 

Do you do price matching? 

We do, and if we can find the deal and match the price we will. 

What else do I have to pay for? And why do admin fees differ between companies or makes and models? 

Once you have been through all the leasing agreements the only other fees you need to worry about are the Admin Fee, insurance for your vehicle and fuel. 

Admin fees can vary between leasing companies due to their running costs, as a business, ours tend to be slightly lower due to the corporate side of our business allowing us to drive the price down slightly. 

However, some admin fees can increase based on the manufacture of the vehicle. This is because of the finance route involved with that manufacturer. Mercedes, for example, are normally better financed through one of our partners called MBFS (Mercedes Benz Financial Services) but they do not pay us a referral fee so we have to charge slightly more on the admin.

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