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Insurance Tax Vat

Most Popular Questions

Is Road Tax Covered In The Lease?

It depends on which lease product you choose. If you choose a contract hire or contract purchase the road tax is included for the duration of the contract. Finance lease will include the first year's road tax, however, the finance company will then invoice you for the next year.

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Is There A Way To Pay The Vat On Monthly Payments Separately?

We offer a range of leasing products and can find the right package for you. Currently our most popular funding methods are contract hire and finance lease. On both these options the rentals will be plus VAT which means you will need to pay the VAT on the monthly rentals. If you are VAT registered you will be able to reclaim 100% of the VAT on your rentals. Alternatively, we offer a purchase agreement where you will pay all the VAT up front in relation to the vehicle then continue to pay fixed monthly payments.

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Do Monthly Payments Include Insurance?

The monthly payments advertised do not cover insurance on the vehicle, but leasing a vehicle from us does require that you get fully comprehensive cover. As well as top leasing deals, we also offerHighly competitive insurance rates. Please give us a call on 01442 838173 to speak to our dedicated team & get a tailored quote.

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All Questions

I would like a large van, but still unsure what is the best purchase option? Also what is the best tax relief option through my limited company? I'm not VAT registered, so can I claim back my contract payments?

Our expert Mike answered... Hello Adrian, thank you very much for leaving your question on our website. There are various leasing options available depending on what you would like to achieve at the end of the contract. If you are not VAT registered then you will not be able to claim the VAT back on the rentals, however depending on which contract you decided to go for, the rentals may well be 100% tax deductible. If you would like to discuss any of these options in greater detail, the best thing to do is contact one of our specialists on 01442 838193 or alternatively please let us know the best contact number for you and when would be a convenient time to contact you. Many thanks once again for leaving your question. Kind regards, Mike Daly.

Hi. I'm self employed and I'd like to know if the cost of leasing a van is tax deductible?

Our expert Mike answered... Hi Colin, thank you very much for leaving your question on our website. The monthly rentals that you will be paying on a business lease are absolutely tax deductible. There are various types of lease agreements available to you Colin, depending on what you would like to do at the end of contract. If you would like to discuss these options in further detail please let us know the best contact number for you and also a convenient time for one of our specialists to contact you direct. Thanks again for your question. Kind regards, Mike Daly.

What percentage can I claim back on my tax return? Can you do any works to the vans i.e. put shelves in the back if I were to remove when handed back? How often do you change vans?

Our expert Rob answered... Hi Jac, thanks for your question. There is great advantages to leasing this can mean you can reclaim up to 100% of the VAT on all maintenance charges, the lease rental, the fees and finance element when you lease a commercial vehicle. Depending on the best agreement that works for you, but typically our lease agreements run from 2- 5 years. The great thing is you can make the van work for you by adding additional shelves in the back to store tools or equipment. You can have these fitted before delivery and you have the option to either spread the cost across the agreement or alternatively pay a one off fee.Thank you,Rob Cox

I'm self-employed and not vat registered, what is the best finance option for me and am I able to claim any vat back?

Our expert Mike answered... Hello Dan, thanks for your question. There are a few options available to you which will all depend on what you would like to happen at the end of the contract. This could be an option to hand the vehicle back to the lease company, part exchange the vehicle for another or sell it on to a 3rd party or taking ownership. If you are currently not VAT registered then you will not be able to claim any of the VAT back. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail. Alternatively, you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike Daly.

We are looking to buy a Nissan Navara pickup for our company - Is this vehicle classified as a commercial vehicle? Can we reclaim 100% of the VAT? Is there 100% tax allowance in the first year?

Our expert Gary answered... Hi Paul Thank you for your email. The Nissan Navara is treated as a commercial vehicle. You may be able to reclaim the VAT subject firstly to being VAT registered. There are other things to take in to account such as are you on the Flat Rate VAT scheme? Will there be any private use? Do you issue any VAT exempt invoices? You may be able to claim this in your AIA, again there are questions needing answering such as private use etc.?

I am self-employed how much of the outlay i.e. Deposit monthly payment will come off my yearly tax bill?

Our expert Rob answered... Hello Les, thank you for getting in touch. The amount that will come off your monthly tax bill can vary on many different factors. If you would like to discuss this in further detail, please feel free to contact one of our specialists direct on 01442 838193 who will be able to find the very best quote for your circumstances. Kind regards, Richard Wells.

We are using flat rate VAT, can you tell me what options allow us to reclaim the VAT please?

Our expert Mike answered... Hi Rob, thanks for getting in touch. We would recommend that you contact your accountant direct who will be able to advise you in greater detail on your options for claiming back VAT. If there is anything else that we can help with please feel free to contact any of our specialist direct on 01442 838193. Kind regards, Mike Daly.

Hi Andy , if I finance lease a pick up aside from claiming vat on the deposit and monthly fee can I offset any of the costs against corporation tax similar to writing down allowances with a HP agreement ? The vehicle would be strictly business use only with personal mileage only to and from work.

Our expert Gary answered... Hi Adam The answer is yes you can claim the excluding VAT costs against Corporation Tax as you have correctly suggested. I would however check you BiK (Benefit in Kind) position carefully. As you mentioned Corporation Tax, I'm assuming you are trading as a limited company. If your use travelling to and from work is classed as commuting you may be liable to be taxed on £3,000 (the current benefit for commercials / vans). I would check this with your accountant. You could also do a Google search on 'insignificant private use' and this will give you more information. I hope that helps, please get in touch if you require more information. Andy

Are your advertised prices inclusive of vat?

Our expert Mike answered... Hi Charlie, thank you for getting touch. As stated on our website, all of our prices advertised are excluding VAT. If you are looking for a car on the Vanarama cars site, it is possible to switch to personal prices which are inclusive of VAT. There are various options available which are all subject to what you would like to do at the end of the contract, how many miles a year you are covering and how long you would like to lease the vehicle for. If you would like to discuss this in further detail, please feel free to contact one of our specialist direct on 01442 838193.Kind regards, Mike Daly.

My boss has asked me to search for a new company vehicle as the lease on the Audi A4 I currently have is expiring soon. Tax on it was quite steep as it was a top of the range model. I am interested in a Pick up of some sort like an Amarok or a Ford Ranger. Are these vehicles exempt from company car tax rules and classed as commercial vehicles?

Our expert Richard answered... Hello Finlay, thank you for getting in touch. Any Pickup truck with a payload of over 1 tonne will be classed as a commercial vehicle, however, they are not completely exempt from the company car tax rule. If you are using the vehicle for private use, benefit in kind is currently £3150 x your marginal tax rate. So a 20% taxpayer will pay £630 per year whilst a 40% taxpayer will pay £1260 per year. If fuel is also provided you will have to pay an additional Benefit in kind of £595, this means that a 20% taxpayer would pay an extra £119 and a 40% taxpayer would pay an extra £238. Please note that all of these figures could change in April 2016. Kind regards, Richard Wells.

Hi I'm the director of a Ltd paving company ,we are vat registered ,what is the best option for us so I can claim the full rental/lease amount back against our yearly tax bill ?thanks Would be looking for a topper transit

Our expert Richard answered... Hello Dean, thanks for your question. All of the two lease products we offer, both give the same benefit of offset the rentals against your taxable profits, it would depend on what you would prefer to happen at the end of the term. Please see a link below which explains all of the difference between the two. It may be easier to give one of the team a call who will be able to explain everything to you in a bit more detail. www.vanarama.co.uk/finance-info/van-finance-options.htmlIf you would like to discuss this in further detail, please feel free to contact one of our specialists direct on 01442 838193 who will be able to find the very best quote for your circumstances. Kind regards, Richard Wells. All of the two lease products we offer, both give the same benefit of offset the rentals against your taxable profits, it would depend on what you would prefer to happen at the end of the term,

Hi, what is the situation with regards to taxing the van on a purchase lease thank you.

Our expert Mike answered...  Hi Chris and thanks very much for leaving us your question on our website. On a Contract Purchase agreement the road tax is part of the contract. Therefore the lease company will simply tax the vehicle on your behalf. If you would like to discuss this in further detail please let us know a contact number for you and also when a convenient time for one of our specialist to contact you direct. Alternatively please feel free to contact us direct on 01442 838193. Thanks again for leaving us your question.

We are thinking of buying two ToyotaHilux 4x4 cabster pick up trucks through our vat registered company. What would be the tax liability for the company and what would the tax liability for the individual both are 22% tax payers. Kind Regards

Our expert Gary answered... Good morning Phil Thank you for your enquiry. The business can claim the VAT back on the purchase price (which should be restricted by any private use element) and then claim writing down allowances on the capital cost (assuming you purchase and not lease the pickups). You may be able to claim 100% write down in year one through your Annual Investment Allowance which is £100,000 this financial year. For the drivers, there is a fixed £3,000 annual taxable benefit for private use, plus a further £550 if there is any private fuel provided. Assuming there is private fuel, this gives a total benefit of £3,550 which for a 20% taxpayer gives a charge of £710 per annum (this is the actual amount of tax paid by each individual for the private use of the vehicle and private fuel). As always, you should check this out with your Tax Inspector before committing to obtaining these vehicles. You may want to consider contract hire instead of purchasing the vehicles, in which case you can offset every rental against your company's tax position. This will not affect the drivers' tax position.

Do I have to buy road tax for the vehicle I would be leasing?

Our expert Richard answered... Hi Ross, thank you for your question. We offer two types of leases, contract hire and Finance Lease. contract hire will include road tax for the duration of the contract, however Finance Lease will only include the first year, the finance company will then invoice you for the road tax for the remaining years. If you'd like to discuss this further or get a tailored quote, please call one of our specialists on 01442 838 195. Thank you, Richard Wells.

Is rd tax included

Our expert Richard answered... Hi, Thanks for getting in touch. Your question depends on which lease you choose. If you choose a contract hire or contract purchase the road tax is included for the duration of the contract. Finance lease will include the first year's road tax, however, the finance company will then invoice you for the next year. Kind regards, Richard Wells.

I'm a sole trading bricklayer . If i leased would this be 100% tax deductable. Could you send me more details.than you have on your website thanks

Our expert Mike answered... Hello Vivian, thanks for getting in touch. If you are looking to take a business lease then the rentals are up to 100% tax deductible. For us to be able to send you further information would need to speak with you to confirm a few details. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail. Alternatively, you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike Daly.

hello, I'm a self employed delivery driver for a flower shop. Can I claim the repayments of the van back through tax? I have self assessment and an accountant. Thanks.

Our expert Richard answered... Hi Chris, thank you for leaving your questions on the site. As far as I'm aware, if you are not VAT registered you will not be able to claim the VAT back. However, you will be able to offset the full rental (including VAT) against your tax. Please check this with your accountant to make sure this is viable for you and your business. Kind regards, Richard Wells.

My car lease is over on the 9th sept. The road tax is now due as the car is 3 years old. Do I have to tax it before getting it collected?

Our expert Mike answered... Hello Lynne, thanks for your question. Subject to the type of lease you have will determine what happens. For example, if you have a contract hire the vehicle tax will automatically get renewed. If it is a finance lease, the lease company again renew the tax for you and once the vehicle is sold on to a 3rd party the difference will be refunded back to you. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail. Alternatively, you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike Daly.

Do I have to be VAT registered?

Our expert Richard answered... Hi Jed, thanks for your question. No, you don't have to be vat registered. There a three main types of leasing options available and will all have various options at the end of contract. With the options that are available not being VAT registered is not a problem and out of the three options available two of these will be fully tax efficient for you. If you would like to discuss this in further detail, please feel free to contact one of our specialist direct on 01442 838193. Kind regards, Richard Wells.

Hi, I'm self employed looking to lease a van and looking to pay around £200 a month. I'm interested to know how much of this I could claim back on my tax return.

Our expert Mike answered... Hi, thanks for getting in touch. If you are looking to take out a Business Lease your monthly rentals will be up to 100% tax deductible. Your account manager will also be able to advise you in greater detail about how much you can exactly claim back. If you would like to discuss this in further detail or require some quotations please feel free to contact any of our specialists direct on 01442 838193.Thanks again,Mike Daly Team Leader

What is the best way to go as in tax relief if I am a sole trader?

Our expert Gary answered... Hi Ken. Without knowing more about your situation it's hard to say which is the best option, but the good news is that you have plenty of choice! I'd suggest as a first port of call that you discuss this with your accountant, who can tell you more about your own tax allowance. We also have a tax specialist on hand to give advice, which a member of our team can arrange for you – you can contact them on 01442 820554. If you'd like to read more about van tax, you can find some further information here: http://www.vanarama.co.uk/finance-info/van-tax-explained.html. To summarise, commercial vehicles taken through us using any business funding method are 100% tax deductible. For contract hire and Finance Leasing, you can offset payments over the year. For Lease Purchase, the offset percentage will depend on your corporation tax over the year and your Annual Investment Allowance. As you can see, this depends a lot on your individual circumstances, so your accountant will be able to give advice on what might work best for you. Thanks, Andy.

Hi. We are a limited company but not VAT registered. If we lease a new van can we claim all/some/none of the VAT back? Thanks.

Our expert Richard answered... Hi Graham, thank you for leaving your question on the site. As far as I am aware if you are not VAT registered you will not be able to claim the VAT back. However, you will be able to offset the full rental (including VAT) against your tax. Please check this with your accountant to make sure this is viable for you and your business.Kind regards, Richard Wells.

Can a leased van be claimed back on your tax?

Our expert Mike answered... Hi Nigel, thanks for getting in touch. Subject to the type of agreement you choose to go with, up to 100% of rentals may be reclaimable, dependent on your position - however please check this with your accountant. If you would like to discuss this further, please feel free to contact any of our specialist direct on 01442 838193. Kind regards, Mike Daly.

I am about to start a new job for which I can choose a company car or car allowance, also I can be PAYE or self employed. I could choose a company Prius with low BIK payments, they will pay an additional per mileage amount to cover fuel, or I thought of leasing a double cab pick up. I believe I can claim tax relief on the lease payments but do I need to be self employed to do this or is it allowed for PAYE, and does it also apply if I am paid a car allowance. Also, can I claim the difference between the 45p/20p mileage rate against tax if I am paid a car allowance. I will be a 40% taxpayer.

Our expert Gary answered... Hi Martin Firstly, yes you would need to be self employed to claim the lease rentals against tax. If you are paid a car allowance and are employed, this will be treated as normal salary for Tax and NI purposes. If you are employed, the current tax free limits for mileage reimbursement under the AMAP (Authorised Mileage Allowance Payment) scheme are 45PPM and 25PPM. If you are paid at a lower rate than these, yes you can claim the difference against your taxable income. For example, if you do 10,000 miles and are paid 25PPM, your are 20PPP X 10,000 under the limit. This equates to £2,000 which you can offset against your salary. So in other words you don't pay tax on £2,000 of salary in addition to your personal allowance (currently £8,105). Finally, if you are self employed and are paid either a car allowance or mileage (or both), this is treated as normal business income in addition to whatever you charge for doing the job/s. Then you can either run the vehicle in your 'self employed' name, or run it personally and the business can pay you a mileage allowance for all business miles. Hope that helps. Andy

Hi is the monthly payment inclusive of VAT or not Thanks

Our expert Mike answered... Hi Kirsty, thank you for getting in touch. All the prices shown on our website are excluding VAT. This is due to the advertisement being for a business lease. If you would like to discuss this in further detail, please feel free to contact one of our specialist direct on 01442 838193. Kind regards, Mike Daly.

I am in the process of starting up a used car business as a sole trader, can you recommend what would be the best way offset against my tax, I would be looking at an L200 Thanks. Gary

Our expert Mike answered... Hi Gary, thank you for getting in touch. In regards to the most tax efficient way of leasing for your business, there is a section on our website which will provide you with all the information you require. In regards to the type of contract which will benefit you the most tax wise, there are two options. Finance Lease and also contract hire. Subject to what you would like to happen at the end of the contract will help determine which type of contract will be best for you.  If you would like to discuss this in further detail, please feel free to contact one of our specialist direct on 01442 838193. Kind regards, Mike Daly.

Hi, I'm a self employed brickie. Which option would be best for me to offset against tax?

Our expert Richard answered... Hi, thanks for your question. To find the best arrangement for you and your business, we need to speak with you, to ensure we tailor the right package. The best finance option for you will depend on a number of things, such as what kind of condition the vehicle will be in at the end of the contract, what kind of mileage you will be covering, and what options you'd like at the end of the contract. Here are a few key points, which you may find helpful.Finance Lease gives you the benefits of taking advantage of equity built up in the vehicle. You also benefit from a low deposit, which can be as little as just one payment upfront. Monthly rentals are up to 100% tax deductible if you are VAT registered. contract hire is the perfect product for you if you want fixed cost motoring and are confident about the mileage and condition of your vehicle over a set period of time. It is an easy and cost effective way to fund vehicles, which would enable you to control one of your biggest business expenses. You get a new vehicle without the up-front costs, freeing up money for you to invest elsewhere in your business. Tax benefits include reclaiming 100% of the VAT on all your payments and maintenance charges (if you have that included). Rentals are also 100% allowable against corporation tax. One of our experts can go over all the options available and work out the best package to suit you, the business and ultimately your budget. Please call us up direct on 01442 838193 and we will be more than happy to help you. Thanks. Kind regards, Richard Wells.

Hi, I am looking to replace my car with a van. I am undecided on buying a brand new/used van or leasing one. I am a self employed sub contractor and have a NTR number. Do you know what I can claim back in my tax return if I bought or leased a van? Is it just the VAT? Thank you.

Our expert Gary answered... Hi Anthony, thanks for getting in touch. I'm pleased to say that the deposit and monthly payments are 100% tax deductible on a lease. Leasing a van is the best way of funding a commercial vehicle because the monthly payments and deposits are low, which aids cash flow. Kind regards, Dominic Tutton, Senior Account Manager

Why do I get charged tax on my road tax? Why don't you let me buy my own road tax and save myself £42?

Our expert Gary answered... Hi Paul and thanks for the question. You're not the first to ask this question and it probably does seem a bit ridiculous. This situation only occurs on a finance lease agreement as with contract hire road fund licence for the term is included in the rate you pay each month (all of which is vatable) But back to your situation There are reasons that it has to be done like this. Most if not all leasing companies have to have the vehicles they lease registered to them in order to obtain the large fleet discounts that are applied to their leasing rates . If a vehicle road fund licence (or road tax) is not renewed each year then the registered owner and not the registered driver is responsible and therefore liable for any fines that are issued by the DVLA if it is not renewed, so in this case the leasing company. Now if you take our largest Leasing company Network (Leaseplan) then they have in the region of 60,000 vehilces currently on lease to '000's of customers. The only way they can make sure that the vehicles they have are legal as far as road fund licence is concerned. Is to renew it themselves and recharge the customer. Unfortunately by doing this they then have to recharge the customer and under H.M.R.C rules this is then classed as a service and VAT has to apply. Obviously if you are VAT registered then you can claim this back through your quarterly returns. Probably not the answer you wanted but hopefully it explains things. Andy

Do you tax the vehicles or does the person leasing the vehicle??

Our expert Richard answered... Hi Jonathan, thank you for getting in touch. Your question depends on which lease you choose. If you choose a contract hire or contract purchase the road tax is included for the duration of the contract. Finance lease will include the first year's road tax, however, the finance company will then invoice you for the next year. Kind regards, Richard Wells.

Hi. I'm self employed but not VAT registered. Which would be the best way to acquire a vehicle so that its cost is a fully allowable tax expense. And also because I'm not vat registered does it matter whether I take out a business or a personal lease? Thank you.

Our expert Mike answered... Hi Ann, thank you for getting in touch. There a three main types of leasing options available and will all have various options and the end of contract. With the options that are available not being VAT registered is not a problem and out of the three options available two of these will be fully tax efficient for you. If you would like to discuss this in further detail, please feel free to contact one of our specialist direct on 01442 838193. Kind regards, Mike Daly.

If I lease a Pickup truck, Ford Ranger Thunder for example and offer it as a company vehicle with fuel paid by the company to an employee (earning over £8500) what will be the tax implications? Would I be able to reclaim the VAT as a business expenses How would the P11D benefits be calculated? thanks in advance

Our expert Gary answered... Hello David Thank you for your email. If I lease a Pickup truck, Ford Ranger Thunder for example and offer it as a company vehicle with fuel paid by the company to an employee (earning over £8500) what will be the tax implications? The tax benefit on the vehicle is £3,000 per annum and £550 for private fuel. If the driver is a 40% taxpayer the actual cost per annum is £1,420 (40% of £3,550). Would I be able to reclaim the VAT as a business expenses? Yes, but as with all goods and services obtained by a business, you cannot reclaim VAT on private usage. Therefore, if the vehicle is used say 75% business and 25% private, then only 75% of the VAT is reclaimable (this is dealt with under the 50% disallowance rule for cars). How would the P11D benefits be calculated? Please see above, the £3,000 and £550 are the BIK (Benefit in Kind). These details are subject to change at any time by HMRC. If I can be of any further help David, please get in touch.

#REF!

I have spoken to my insurance company about possibly adding one of your vehicles to my policy, they would like to know if the log book would go into my name? as they say, they cannot insure me on the vehicle if it doesn't.

Our expert Richard answered... Hello Russell, thanks for your question. With the leases, we offer you will not own the vehicle so you will not be on the Logbook unfortunately as you are not the owner of the vehicle. Kind regards, Richard Wells.

Do you offer van insurance as well as leasing the van?

Our expert Gary answered... With all of our lease agreements you will be responsible for insuring the vehicle on a fully comprehensive policy for the duration of the contract. Leasing commercial vehicles is very popular which means that most insurance companies would be able to provide a competitive quote to insure your new van. We are in partnership with Autonet Insurance Services and we work together to ensure you will get the correct cover at the best possible price who will offer preferential rates to all our customers.

How do we go about insuring the vehicle? Is it through yourselves or a third party?

Our expert Mike answered... Hi John, Thanks for getting in touch. If you were to lease a vehicle through ourselves you will need to insure the vehicle yourself through a third party. We do work closely with an insurer who specialise in commercial vehicle insurance who we can certainly put you in touch with. If you would like to discuss this in further detail, please feel free to contact one of our specialists direct on 01442 838193. Alternatively, you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike Daly.

What happens if I lease a vehicle and it is written off after an accident. My insurance company will pay the pre accident value to you. Will there be any other costs?

Our expert Rob answered... Hi Chris, thanks for your question. Many insurance companies will have different agreements in place and its always worth checking with your own provider what they will cover on your agreement. We offer a great product called GAP insurance. With Finance GAP Insurance, you can insure against the difference (up to a maximum of £20,000) between your Insurance Company pay-out and the amount you owe to the Finance Company. Once an order has been placed, a member of our dedicated GAP team will be in contact to discuss your options. Kind regards, Rob.

Hi, can you tell me what we are responsible for on the vehicle please? Ie. insurance/tax/mot?

Our expert Richard answered... Hello, thank you for getting in touch. The answer to your question will differ depending on which contract you choose, however you will always have to insure the vehicle yourself, with fully comprehensive insurance. contract hire and Contract Purchase With the contract hire and contract purchase agreements the road tax will be included for the full duration of the term. You also have the option to add a servicing package which will cover you for your servicing and MOTs. If you decide not to add the servicing package you will have to maintain the vehicle yourself. Finance lease This agreement will pay for the first years road tax and you will then have to cover the cost for the rest of the term. Also the finance lease does not offer a servicing package, so you will have to maintain the vehicle yourself. Thank you.Kind regards, Richard Wells.

Who is the owner of the vehicle when insurance ask who is registered keeper Thanks.

Our expert Richard answered... Hello, thank you for leaving your question on the site. In regards to insurance, the owner of the vehicle will be the finance company. You will be down as the main user/hirer of the vehicle. Also, please remember that the finance company require a fully comprehensive insurance policy. Thanks. Kind regards, Richard Wells.

Does the cost include insurance or is that required by the person leasing?

Our expert Mike answered... Hi Steve, thanks very much for leaving your question on our website. In regards to the insurance side of things, the insurance would need to be provided by the individual or business in the same name that the agreement is in. At Vanarama we work very closely with an insurance agent who we can put you in touch with and they will offer you a very competitive rate. If you would like any further details Steve please let us know the best contact number for yourself and also when a convenient time would be for one of our specialists to contact you direct. Many thanks again for your question. Kind regards, Mike Daly

Hi, I'm looking to go self employed sub contracting. I think I'm going to go for contract hire, but do I need to sort out my own insurance and road tax? Many thank.

Our expert Richard answered... Hi Steve, thank you for getting in touch. Road Tax is included with Contract for the duration of the term, however, you would have to insure the vehicle yourself. Kind regards, Richard Wells.

I'm thinking leasing van after new year ford courier what deposit is needed is van insurance and road tax included.

Our expert Richard answered... Hello Darren, thanks for leaving a question on our site. Our prices depend on many different factors so it's always tricky to give a price over email without asking a few questions. The price can change depending on which contract you chose, the duration of the contract, and any added accessories you may like. Please contact one of our sales team on 01442 838193 who will be happy to help you on this. With regards to the van insurance and road tax being included, insurance is not included, however, this can be included as we now offer our own insurance. Tax depends on which lease you choose. If you choose a contract hire or contract purchase the road tax is included for the duration of the contract. Finance lease will include the first year's road tax, however, the finance company will then invoice you for the next year. Kind regards, Richard Wells.

With the lease deals is the insurance included or is that something that has to be done once van is purchased?

Our expert Richard answered... Hi Jordan, thank you for your question. If you are looking at taking out a lease with us we can offer a package for maintaining the vehicles, however the insurance would have to be set up separately by yourself. Kind regards, Richard Wells.

Does your company provide insurance for cars?

Our expert Mike answered... Hi Tavonga, thanks for getting in touch. We certainly can provide insurance for a car however we need to speak with you in detail to be able to provide you with an accurate quotation. Please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail.

If I was to lease a van for private use would it come with insurance and tax or is that separate many thanks

Our expert Rob answered... Hello Dan, thanks for leaving a question on our site. Unfortunately, insurance isn't included with the lease of the vehicle, however, we now offer our own insurance policy that can be added onto your contract. With regards to tax, it depends on which lease you choose. If you choose a contract hire or contract purchase the road tax is included for the duration of the contract. Finance lease will include the first year's road tax, however, the finance company will then invoice you for the next year. If you would like to discuss this in further detail, please feel free to contact one of our specialists on 01442 838193. Kind regards, Rob Cox.

Do your vans come with insurance?

Our expert Gary answered... Hi Dan, thanks for your question. Insurance isn't included in our agreements. To contract hire or finance lease a van from us, you will need to take out a fully comprehensive insurance policy for the duration of your contract.

Can your vans come with insurance and tax for use as self-employed courier?

Our expert Mike answered... Hi Andrew,Thanks for getting in touch. We now offer van insurance, please give us a call on 01442 838173 to speak to our dedicated team & get a tailored quote. As for tax, all our vehicles come with tax included in the monthly rentals for the duration of the term. If you would like to discuss this in further detail, please feel free to contact one of our specialists direct on 01442 838 193.Kind regards,Mike Daly Team Leader

If I lease a van am I able to insure more than one person to drive the van?

Our expert Rob answered... Thanks for getting in touch.  If you were to lease a vehicle through ourselves you will need to insure the vehicle yourself through a third party and you can have as many people on the insurance as you need. Many of our customers will take out a fleet insurance policy. If the lease is in your personal name you will need to be the main driver on the insurance policy. However we now offer van insurance, please give us a call on 01442 838173 to speak to our dedicated team & get a tailored quote.Kind regards, Rob Cox

What happens if you're in a crash in one of your vans?

Our expert Richard answered... Hi Philip, thanks for your question. It will work the same as if the vehicle was financed, you would need to insure the vehicle on a fully comprehensive policy then if you do have an accident contact the insurance company and the finance company. The two party's will then talk to each other to get it resolved. Kind regards, Richard Wells.

Hi, what are the implications of having an accident in a leased vehicle ? If I have fully comp insurance, would I have to top up the insurance payout so the leasing company get the full value of the van back, or would I just have to send them the insurance cheque? Don't worry, I haven't crashed my van :)

Our expert Mike answered... Hi Neil, thanks for leaving your question on our website. If you were in a situation where your vehicle was written off, as I am sure you are aware the insurance company will pay out a certain amount. The difference between what the insurance company would pay you and the outstanding amount left on the agreement at that time would need to be settled. This would need to be settled by you Neil, unless you have Guarantee Asset Protection in place. If you like to discuss this in further detail please let us know the best contact number for you and when would be a convenient time for one of specialists to call you. Thanks again for your question. Kind regards, Mike Daly.

How does leasing a van work with insurance? Do I have to get my own or is it included in the monthly payment?

Our expert Mike answered... Hi Tom, thanks for getting in touch. We now offer van insurance, please give us a call on 01442 838173 to speak to our dedicated team & get a tailored quote.Kind regards, Mike Daly.

Who is responsible for insurance?

Our expert Mike answered... Hi Chris, thanks for getting in touch. If you were to lease a vehicle through ourselves you will need to insure the vehicle yourself through a third party. We now offer van insurance, please give us a call on 01442 838173 to speak to our dedicated team & get a tailored quote.Kind regards, Mike Daly.

Hello, I am leasing a van from yourselves and two things have happened in quick succession. The first is I received a stone chip from a lorry which has caused a crack in the windscreen. Am I liable through my insurance for the cost of this. Secondly after last week's inclement weather the windscreen washer has packed up. Again am I liable for any potential costs in getting it fixed. Many thanks, Nigel.

Our expert Richard answered... Hi Nigel, thank you for getting in touch. Firstly the windscreen should be covered under your own insurance policy, the majority of insurance companies include this as standard, if you give them a call they should be able to help. In regards to the windscreen wiper this would be something that needs to be fixed so I would advise going to your local dealer who should be able to help. Both of these costs would have to be covered by yourself as part of the lease, If you have any issues or would like help finding your local dealer please give one of the team a call and we will be happy to help. Kind regards, Richard.

Hi I am thinking about getting a lease vehicle and was wondering do you offer a package with insurance included? Fully comprehensive or third party fire and theft? Regards Ste.

Our expert Mike answered... Hi Stephen, thanks for getting in touch. One of the many services Vanarama offer is also Insurance. We have a dedicated team who will be more than happy to talk you through someHighly competitive quotes. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail. Alternatively you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike.

How do you go about insuring a leased vehicle. Who is the registered owner of the vehicle?

Our expert Mike answered... Hi Eirig, thank you for leaving your question on our website. In regards to the insurance for a vehicle that is on a lease agreement, this would be your responsibility to make sure the vehicle is insured fully comprehensive. Unfortunately, the vehicle insurance is not part of the contract. Also the registered keeper of the vehicle would be the leasing company until you were to sell the vehicle on or take ownership yourself, which of course is subject to the type of contract you are considering. If we can help any further please feel free to contact one of our specialists on 01442 838193. Many thanks once again for leaving us your question. Kind regards, Mike Daly.

What happens if the van is written off and the insurance payout is lower than what you value the van at?

Our expert Mike answered... Hi John, thanks for your question. If your vehicle is written off and the value offered does not meet the settlement amount, the difference would need to be covered by yourself. However there are certain products available which will protect you from this situation and cover any shortfall. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193. Kind regards, Mike Daly.

Is my insurance allowed to have an excess greater than £250 on a contract hire policy?

Our expert Gary answered... Hi Adam. The answer to this question is that it depends on which funder you use for your policy. Some funders will only be happy to proceed if your excess is below £250 but for others it won't be a problem. Make sure you let us know about this when you order your vehicle and we will find the right funder for you and your circumstances. Kind regards, James Pocock, Senior Account Manager

Hi if I lease a van, does this cover insurance?

Our expert Mike answered... Hi Matt, thank you very much for leaving us your question on our website. A business lease will not cover the vehicle insurance for you. However, we do work very closely with an insurer, who if referred to by ourselves, will offer a very competitive rate.  If you would like to discuss any options in further detail please let us know what is the best contact number for you and also a convenient time for one of our specialists to contact you direct. Thanks again for leaving us your question. Kind regards, Mike Daly.

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