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  • I'm mulling over the idea of getting a van to use for transporting my fishing equipment around to matches I attend. I'm currently using my car which is not practical and it's becoming dirty. Which is the best way to go about this? I'm not using it for work so does this affect leasing regulations or would buying be better? Confused!

    Rob Cox

    Our expert Rob answered...

    Hi Mark, thanks for your question. Leasing is becoming more and more popular and the good news is you can still lease a van if you’re not using it for work purposes. The best option available would be Personal Contract Hire (PCH). This is a perfect product for an individual who wants fixed cost motoring and is confident about the mileage and condition of the vehicle over a set period of time. It is an easy and cost effective way to fund vehicles and it enables you to control one of your biggest expenses. PCH is available with or without a maintenance package, which offers fixed cost motoring with no hidden extras. Personal Contract Hire is similar to Business Contract Hire. However, as an individual you will not be able to recover any VAT or take advantage of any tax allowances. PCH would suit you if you want a more expensive vehicle than your budget would normally allow i.e. A new vehicle instead of a used one; want to avoid the risk of depreciation and maintenance costs; want fixed cost, stress free motoring; not worried about owning a vehicle and are happy to change their vehicle regularly.

    Question asked 18/02/2016
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