You’ll have access to a new car every two to four years, usually at a lower cost than other methods of new vehicle provision.

Typically, there will be no deposit or credit checks for you and no impact on your personal credit.

Tax and National Insurance liabilities are reduced as payments are deducted from gross salary resulting in significant savings.

All-inclusive, hassle-free motoring at a fixed monthly cost. This includes servicing and maintenance, breakdown and recovery, road fund licence, fully comprehensive insurance, replacement tyres and accident management.

Access to a tax-efficient second or third car.

The lease contract and all associated services will be in the name of your employer and not yourself. Therefore, all costs are payable and contracted to the employer. The use of the car is then provided to you in exchange for the amount of salary sacrifice. As this is then deemed a benefit in kind (BIK), you will be required to pay company car tax. the rules on electric vehicle company car tax than run until March 2025 mean that the amount in company car tax you’ll pay is very low, and makes salary sacrifice a very-cost effective way of running an electric vehicle.

As part of the arrangement, insurance is included in the salary sacrifice. We have partnered with Lloyd Latchford, the UK’s leading salary sacrifice insurance provider. The policy will be in the name of the employer but tailored to the employee’s individual circumstances.

All drivers must be between 18 and 75 years of age (there is a maximum age of 78 at the end of contract)

All drivers must hold a full license from the UK, EU, EEA, or one of the following countries; Andorra, Australia, Barbados, British Virgin Islands, Canada, Falkland Islands, Faroe Islands, Hong Kong, Japan, Monaco, New Zealand, Republic of Korea, Singapore, South Africa, Switzerland, USA or Zimbabwe.

All drivers must have been a permanent employee for a minimum of 6 months, or a named driver for a permanent employee.

All drivers must be a permanent UK resident.

Drivers are allowed no more than 2 category ‘A’ convictions disclosed and no more than ONE FAULT claim per driver disclosed in the last three years. Claims or category ‘A’ convictions over three years old from the car delivery date are acceptable. As are convictions that are shown below in red, which are over five years of age from date of delivery.

No drivers have a non-motoring conviction that is not spent under the Rehabilitation of Offenders Act.

No drivers are celebrities or otherwise in the public eye including professional sportspersons, actors and musicians.

Category ‘A’ convictions show on online licence checks beginning with the following codes: CU or LC or MW or PC or SP or TS.

Please note: If a driver has any of the following then they DO NOT meet the eligibility criteria for the scheme: Any conviction which has resulted in a band in the last 5 years (including any of the minor conviction codes above). A conviction in the last 5 years with any of the following letters on your licence: AC – BA – CD – DD – DG – DR – IN – MS – TT – UT

Just like if you’d taken out an insurance policy yourself you will be charged an excess if you need to claim. This will be charged to you by your employer.

• Accidental damage excess = £250
• Fire theft and malicious damage excess = £250
• Replacement windscreen excess = £75. There will be no excess charge if the windscreen is repaired.
• An additional excess of £300 applies to drivers aged 17 to 20 for each claim.
• An additional excess of £200 applies to drivers aged 21 to 24 for each claim

The insurance premium is a true fixed price for the lifetime of the agreement and will cover:

• Social, domestic, pleasure and commuting cover, including use by the Policyholder in connection with their employer’s business is covered as standard. Other forms of business use for the policyholder and/or spouse/civil partner may be considered on a case by case basis but do not order a car without checking first. Any other drivers listed on the insurance (not partner/spouse) will only be covered for social, domestic and pleasure use.
• Unlimited cover for audio and navigation equipment that is permanently fixed to the vehicle and has no independent power source.
• Personal belongings in the car up to £350
• Replacement locks (see full policy wording for details)
• Damage to your vehicle following incorrect fuelling (no cover for removal of incorrect fuel and refuelling of car)
• emergency medical treatment
• medical expenses, up to £350 per person
• Accident transport/vehicle recovery
• Child car seat cover, up to £100 per seat
• Courtesy car for the duration of repairs if in the event of an accident the car is repaired by an NIG approved repairer
• If the vehicle is stolen and not recovered or if it declared a total loss, a courtesy car is provided for up to 14 days or until a settlement offer is agreed (whichever is earlier)

Your vehicle insurance includes full accident management. We know that an accident can be scary and confusing time, so have worked to streamline our accident management as much as possible to avoid further confusion. You simply call our partner’s 24hr helpline on 0800 917 7402 and one of our agents will help you.

Your vehicle will be covered for all routine servicing and maintenance including in the event of a breakdown and recovery. You will also be covered for tyre replacement through wear and accidental punctures. You will not be covered for damaged tyres caused through negligence. All you need to do is call our 24hr dedicated driver number on 0800 917 7402.

Yes – your car tax (road fund licence) is included for the entire period of your lease agreement so you will not need to worry about making payment for this for the duration of your agreement.

Yes, your vehicle will have a full standard manufacturer guarantee exactly as if you had purchased the car yourself brand new. All cars leased through Wessex Fleet are brand new and depending on the length of the lease the warranty will last for the majority, if not the entirety, of the lease.

As the driver, it will be your responsibility to ensure that the vehicle is in roadworthy and legal condition. This may involve you making regular checks of its condition and when maintenance work is required, following the appropriate channels for this to be promptly completed. If you are at all concerned about meeting these requirement or have further questions on the specifics then our fleet partners are available to discuss these with you.

You will need to be over 18 years of age in order to qualify for vehicle insurance and so be eligible for the scheme.

The scheme is open to full time and part time employees as long as you satisfy the National Minimum Wage (NMW) threshold after the salary deduction has been calculated. We would advice a minimum salary of £25,000p.a to be eligible.

You must be able to commit to the full term of the lease contract. You, therefore, need to think very carefully about the likelihood of moving jobs during that period to avoid possible early termination charges if you choose to leave the scheme early. You should also consider the financial commitment and the impact that it could have on any other changes in circumstances, such as having a family.

Your contract of employment must be for a longer duration than the salary sacrifice agreement. Therefore, employees on fixed contracts can still be eligible for the scheme provided the fixed term contract is longer than the proposed salary sacrifice agreement.

Your employer may have its own eligibility criteria which will be communicated separately. 

By reducing your salary, your pension contributions are also likely to reduce as they are usually worked out as a percentage of your salary. We advise that you speak with your HR department or a pension advisor to get individual advice on how salary sacrifice will affect your pension long term and how you can plan to accommodate this.

The provision of an electric vehicle on a salary sacrifice scheme is a benefit to you. Therefore, in lieu of income tax and national insurance contributions, you will be subject to company car tax.

This is calculated by taking the P11D value of the vehicle (very close to the recommended retail price of the car) and using the CO2 emissions of the vehicle, applying a percentage charge. The reason salary sacrifice works so well for electric vehicles is the CO2 emissions are ZERO. For electric vehicles, that percentage charge is just 2% until March 2025. The government will then review the BIK rate moving forward from that.

For example, if the P11D is £30,000. Your BIK is 2% of this (£600 for the year). You then apply your relevant tax band. For example, if you are a 40% taxpayer, then you will pay £240 for the year or £20 per month. This £20 per month is taken into account when we quote your NET salary sacrifice figure.

Your salary will be reduced when you take out a salary sacrifice arrangement. therefore, this will affect the amount you could potentially borrow on finance or on a mortgage. However, you will not be credit checked personally to enter the scheme as the finance for the lease agreement is entered into by your employer.

We will be in touch with you roughly three to six months before the end of the contract to discuss your options to renew your vehicle. We will then work towards a smooth handover from old to new. You will be responsible for damages that are deemed to be above “fair wear and tear”. This will be charged to you by your employer at the end of the contract. The industry is goverened by the BVRLA in this respect, and we can supply you with a guidelines booklet for you to assess what may be chargeable. You can then decide whether you want to get it repaired yourself prior to the collection of the vehicle, or pay the invoice from your employer. You will also be charged for any excess miles above what was agreed on the contract. Again, this will be charged to you by your employer at the end of the contract. There is no option to purchase the car at the end of the lease but in certain cases, an extension may be possible.