Salary sacrifice
Usually reduces gross salary in exchange for a company-car benefit. Packages may include insurance, maintenance and tyres. Check benefit-in-kind, early-leaver rules and effects on pension, borrowing or statutory benefits.
Finance route comparison
Salary sacrifice, PCP or lease? Compare the whole commitment.
A neutral UK comparison of what is bundled, what is restricted, what you own, what happens at exit and which numbers must be put on the same basis.
The decision route
Six checks, in the order that reduces regret.
PCP
An upfront payment and monthly payments cover part of the car’s value, with an optional final payment if you want to own it. Check APR, total payable, mileage and condition terms.
Personal lease
You rent the car and normally return it. Compare the initial rental, monthly rentals, mileage allowance, maintenance, excess-mile charges and return standards.
Cash or loan
Ownership gives flexibility but leaves you with depreciation and resale risk. Compare loan interest, insurance and the likely value when you plan to sell.
Bundle audit
Put insurance, servicing, tyres, breakdown cover, vehicle tax and charger support into every column. A bundled product only saves money if you value what is included.
Exit scenario
Model job change, early termination, excess mileage, damage, negative equity and delivery delay. The best route is the one that remains manageable when plans change.
Save before acting
Questions worth answering in writing.
This is general information, not financial or tax advice. Obtain a regulated illustration and check current HMRC treatment for your circumstances.
- What is the total cost across the full term?
- Which services and insurance are included?
- What happens if I leave my employer or need to exit early?
- Who carries depreciation and resale risk?
- What are the mileage and condition charges?
- Will the agreement affect pension, benefits or borrowing?
Trust and transparency
How to use this guide
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Content focuses on practical ownership savings: charging, accessories, insurance, tyres and motoring services.
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01Ownership CheckFind the cost area worth investigating first.→02Savings LabCalculate charging, monthly cost and ownership fit.→03Service LocatorFind EV servicing, MOT, tyres and battery support.→04Deal ScoreCheck clarity, charging fit and real cost before clicking.→05Used EV ChecksReview battery, warranty, tyres and charging evidence.→06Private RemindersKeep MOT, insurance, tyres and service dates visible.→07Share a SavingSend a useful EV offer for manual review.→08Business PartnersReach UK EV owners through reviewed placements.→