The car scheme lets employees get a brand-new car for a fixed monthly amount taken from their salary.
Includes insurance, maintenance, tax, and breakdown cover
No need for large upfront payments
Everything is bundled into one monthly cost
🔧 What’s included?
Your monthly payment covers:
✅ Brand new car
✅ Servicing, repairs & tyres
✅ Fully comprehensive insurance (incl. business use)
✅ Road tax
✅ European breakdown cover
✅ Optional additional drivers
👉 This means no surprise costs — just one predictable payment each month.
🪜 How it works (Step-by-step)
Choose your car
Pick from a wide range of makes and models
Customise your car to suit your needs
Get a quote
See the monthly cost and savings upfront
Salary sacrifice
Your gross salary is reduced by the monthly amount
Receive your car
Delivered ready to drive, fully insured and maintained
👉 No deposits and no credit checks required.
💷 How you save money
Monthly payments come from your gross salary
This means you pay less tax and National Insurance
Cars are also discounted through bulk buying
⚠️ Note: The car is a taxable benefit, so you may pay a small amount of Benefit-in-Kind (BiK) tax depending on the car and emissions.
👤 Key benefits for employees
🚘 Brand new car at a discounted price
💸 No upfront costs or credit checks
🔁 Flexible contract (24–48 months)
🧾 All costs included for easy budgeting
👨👩👧 Add additional or younger drivers
🌱 Access to greener vehicle options
⚠️ Things to keep in mind
Your take-home pay will reduce
You may pay Benefit-in-Kind tax
You’re tied into a fixed-term agreement (2–4 years)
⭐ In summary
The car scheme is a simple, hassle-free way to get a brand-new car:
👉 One monthly payment
👉 No hidden costs
👉 Little admin
👉 Potential savings vs leasing privately