Lease a car or van with insurance at Car Leasing

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Full Manufacturers Warranty

Road Tax Included

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Car Leasing with Insurance at Car Leasing

Many drivers across the UK are switching from owning their vehicle to leasing one. Whether it is for personal or business use, leasing a vehicle is a cost-effective and flexible option for drivers today. Our friendly team at Car Leasing work with you to explore and discover the best leasing options that includes insurance, so your car leasing journey is smooth and hassle-free.

Advantages of Car Leasing with Insurance

To get an all-inclusive, stress-free package, Car Leasing offers leasing deals with insurance. By doing so, our expert team will do all the hard work for you, so you won’t need to search the internet looking for the best insurance deals. In the automotive industry, with the legalities of insurance packages, it can become a tedious task to find the right insurance that covers your every need. Therefore, by opting for a lease deal with insurance included, you can have peace of mind throughout your lease term, knowing that you are adequately covered.

Leasing with insurance can benefit individuals and businesses financially. Our knowledgeable staff often work with insurance companies to find the best insurance for you at competitive rates, which you wouldn’t necessarily be able to do independently. This affordability factor enhances the overall appeal of leasing with insurance, making it an attractive option for those seeking budget-friendly and convenient automotive solutions.

Does Car Leasing Include Insurance?

It is up to you! At Car Leasing, we offer a range of leasing packages, some that come with insurance and others that don’t. We aim to find the best car lease for you, from car makes, models, insurance, maintenance cover, and much more, so you can feel confident with your lease deal. If you choose to opt for a car lease with insurance, it is important to note that the specifics of the insurance coverage can vary, and lessees should thoroughly understand the terms and conditions before committing to a lease.

Personal and Business Car Leasing with Insurance

If you are searching for personal car leasing deals with insurance, it is important to note that the driver named on the leasing agreement is the primary policy holder of the insurance. Not all households are the same, therefore you might be looking to insure more than one driver. In this case, make sure to notify our experts at Car Leasing who are arranging your policy, so your partner or family member can also be named on the policy.

When it comes to business car leasing, the company director or name of the company will be stated on the insurance certificate. Discover how car leasing works for you and your business.

Is It More Expensive to Lease a Car with Insurance?

Although it may be assumed that including insurance with your car lease is more expensive. Our expert team bundles all your leasing preferences together, offering a package suitable and cost-effective to you. When searching for insurance independently, you might select an insurance policy that doesn’t cover everything you thought it did and therefore resort to paying additional costs. We find that the majority of car leasers opt for insurance to save the stress and financial burden of finding their own insurance deal. Car Leasing offers insurance at competitive rates, making the overall cost of leasing with insurance a favourable option for businesses and individuals alike.

What’s included

Insured Lease Vehicle

Maintenance & Servicing

Breakdown Assistance

Accident Management

	Insured Lease	Maintenance Only	Regular Lease
Insured Leased Vehicle
Third Party Cover & Own Damage Protection
Guaranteed Maintenance Cover
Breakdown Assistance
Road Tax
Glass Damage Protection
Accident Management
Total Loss Shortfall Protection
Fixed Monthly Rentals
Cover For Business or Personal Use
Fuel

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Don't miss out on our latest lease deals!

Offer

Sep Delivery*

MG Motor UK Mg4

View All Mg4 Deals

Full Electric

Personal Lease From

£233.59

per month inc VAT

Initial rental: £2,102.33 inc VAT

More MG Motor UK Deals

Offer

In Stock

Volkswagen Touareg

View All Touareg Deals

Personal Lease From

£572.46

per month inc VAT

Initial rental: £5,152.14 inc VAT

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Offer

In Stock

Volvo C40

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Full Electric

Personal Lease From

£401.78

per month inc VAT

Initial rental: £3,616.06 inc VAT

More Volvo Deals

Offer

Sep Delivery*

Volvo Xc60

View All Xc60 Deals

Personal Lease From

£432.16

per month inc VAT

Initial rental: £3,889.40 inc VAT

More Volvo Deals

Offer

In Stock

Mini Hatchback

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Personal Lease From

£229.75

per month inc VAT

Initial rental: £2,067.77 inc VAT

More Mini Deals

Offer

Oct Delivery*

Tesla Model Y

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Full Electric

Personal Lease From

£439.88

per month inc VAT

Initial rental: £3,958.96 inc VAT

More Tesla Deals

Offer

Sep Delivery*

Skoda Octavia

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Personal Lease From

£271.24

per month inc VAT

Initial rental: £2,441.12 inc VAT

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Offer

Sep Delivery*

DS Ds 4

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Personal Lease From

£260.00

per month inc VAT

Initial rental: £2,340.04 inc VAT

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Offer

In Stock

Renault Scenic E-tech

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Full Electric

Personal Lease From

£372.00

per month inc VAT

Initial rental: £3,348.00 inc VAT

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Offer

In Stock

Polestar 2

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Full Electric

Personal Lease From

£381.78

per month inc VAT

Initial rental: £3,436.02 inc VAT

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Offer

In Stock

Omoda 5

View All 5 Deals

Personal Lease From

£284.40

per month inc VAT

Initial rental: £2,559.60 inc VAT

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Offer

Coming Soon

Kia Ev3

View All Ev3 Deals

Full Electric

Personal Lease From

£428.00

per month inc VAT

Initial rental: £3,852.04 inc VAT

More Kia Deals

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If you would like to discuss our leasing with insurance solutions with one of the team, please get in touch.

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Frequently Asked Questions

Driver(s) must be aged between 21 and 70
Must have held a valid EU licence for at least 1 years
Have no more than 6 points on their licence that have been recorded in the last five years
Have no more than 2 at fault accidents/claims made within the last 24 months
Have not been advised to stop driving by DVLA or a medical practitioner due to medical conditions
Be the lessee or lessee's spouse/partner (for Regulated Contract Hire and Personal Contract Hire)
Insurance cover for business and personal customers
Be an employee of the lessee (for business contract hire and leasing)
You have not been refused insurance in the past

Car Leasing provides a complete package of services through Arval. These include:

Contract Hire insured leased vehicle. This is a Contract Hire vehicle with third party insurance and also included is own damage protection in the lease
Own Damage Protection
Glass Damage Protection
Maintenance cover – for all your servicing and repairs on your vehicle
Breakdown cover – to fix your car or recover it and if necessary provide a replacement vehicle
Accident Management – management of your incident from start to finish.

AIG insure the vehicle for third party liability cover. The Insurance Policy is in the name of Arval UK Ltd who hold this policy on your behalf. Arval provide cover for the Own Damage Protection (which is explained in more detail below). Arval will be responsible for repairing any damage to your vehicle resulting from an incident. You will not be responsible for the costs but you will be required to pay the Customer Incident Charge as further explained below. The Own Damage Protection will not protect you against damage caused or resulting from driver abuse or neglect. If any damage is caused by the fault of a third party then Arval will recover the costs directly from them.

Arval Uk Limited will be responsible for repairing any damage to your vehicle resulting from an incident. You will not be responsible for the costs but you will be required to pay the Customer Incident Charge as further explained below. The Own Damage Protection does not include routine maintenance (which is also explained in more detail below). The Own Damage Protection will not protect you against damage caused or resulting from driver abuse or neglect. If any damage is caused by the fault of a third party then the insurer will recover the costs directly from them.

Any employee of your company and their spouse/partner. There are restrictions and exclusions which apply, for example, in relation to age, driver history (including medical) and use of the vehicle.

Yes, your insured lease package covers you for both Business and Personal use of your leased vehicle. You are not restricted to the types of journey you make, subject to trade usage criteria detailed in your contract.

Yes. The eligibility criteria and restrictions are detailed in a schedule to your contract. It is important that you understand what this criteria is and that you comply with the criteria at all times as you could invalidate the insurance for the vehicle if you do not. Should these change or be updated at any time, a new copy will be sent out to you.

Incident means an event or accident resulting in damage, loss or theft of the An insured lease vehicle or damage to third party property or personal injury/death of a third party.

You must contact Arval at the earliest opportunity and make sure that it is safe and legal to do so. Please call our driver support contact centre on 0370 600 4499 and select ‘report an accident’. Arval’s Accident Management partner will record the relevant details and either get your vehicle recovered if it is immobile or allocate a epairer. Please see the process ﬂow on the right-hand side for more details.

Call our designated help line who will assist with your vehicle and send a recovery van where necessary.

The Driver will need to ensure they comply with the legal requirement around the weight they will be towing. In regards to insurance cover the car will be covered for all ATC services however the towing item i.e. a caravan etc. will only be covered for Third Party Liability only.

No, personal injury cover for the driver is not included.

Yes, your monthly rental will only change if we mutually agree a change (if applicable) or as a result of Arval exercising its rights under the contract, for example if you travel materially more miles than agreed (and the vehicle is recontracted) or the vehicle is involved in two or more at fault incidents in a 12 month period. In which case we will discuss your options with you.

Arval is responsible for the repairing and replacing body glass to your vehicle. You must report the damage to Arval and the repair will be arranged via Arval’s network. You will be required to pay a per incident charge which is fixed at £100 per incident where it is necessary to replace the glass. No CIC applies where the glass is repaired. The glass CIC does not count towards the escalating CIC for incidents.

In the event the vehicle repair centre has a courtesy car available, you may use this whilst your own vehicle is being repaired. Please note, the total car package included in your lease doers not cover insurance for the courtesy car and insurance cover would need to be arranged directly with the body repair company. Please note, you are not likely to receive a like for like vehicle if the body repair centre has a vehicle available.

If you would like a separate rental vehicle, we can assist in booking this. The costs of the rental vehicle including the collision damage waiver insurance provided by the rental company must be covered by you. The rental agreement will be between you and the rental company.

If the repairer has a courtesy car available then you can utilise this whilst your vehicle is being repaired, subject to their conditions.

The lease will be terminated as soon as our assessors have confirmed the vehicle is not economic to repair. At this point, if you were considered to be “at fault”, Arval will invoice the Customer Incident Charge (CIC) due to you. Your liability for the monthly rental of the vehicle will cease at this point. If there is a third party at fault, Arval will seek to recover the costs from the third party’s insurers. If the losses are not recoverable due to any act or omission by you / your driver, then Arval reserve the right to invoice any losses to you.

You must notify the Police and then Arval (quoting your crime reference number) within 24 hours. Arval’s Accident Management provider will monitor the progress directly with the police. After 21 days if the vehicle hasn’t been recovered, or has been recovered but has been deemed a total loss, then the vehicle lease will be terminated at Arval and your monthly rental liability will cease for any future rentals. At this point, Arval will invoice the relevant Customer Incident Charge (CIC) to you. If there has been an act, omission or negligence by you or your driver which contributed to, or resulted in the theft of the vehicle (e.g. if the keys are left in the car) then the termination costs will be borne by you. If at a later point the vehicle is recovered and sold or any monies are received, these will be credited back to you up to the value of the charge you received.

Should you wish to return the Contract Hire vehicle before the end of the contract, please contact Arval and we will discuss the process, and financial implications. You will be liable to make a payment in accordance with your agreement.

Arval cover the costs of all routine work that is due to occur during the contract term (based on manufacturer guidelines). This will include servicing, maintenance, repairs, premium tyres*, batteries, breakdown cover, exhaust and any worn items. *Arval has a Fair Play policy on tyres. This means that damaged tyres will be replaced inside the maintenance budget. Replacements in the event of abuse, neglect, theft or vandalism will be recharged. Arval’s maintenance scheme does not cover driver abuse items, damage or replacement as a result of neglect. These charges will be billed via a vehicle services invoice. If you need servicing work or tyres, please contact the Arval Driver Contact Centre on 0370 600 4499 and we will assist you with a local supplier.

Please contact Arval on 0370 600 4499 at least 14 days in advance of travel and provide details of your travel destination and dates and details of drivers and any additional drivers. Arval will provide you with a Vehicle on Hire certificate (VE103) to replace the registration document. This is a legal requirement. A standard fee of £15 plus VAT applies for this document. An insurance certificate confirming that the vehicle is insured to be taken out of the country for the period of travel will be provided to you. If you already have a valid VE103 from a previous trip, you will still need to contact Arval to get a new insurance certificate. If you have been unreasonably delayed in your return and your insurance certificate is due to expire, you will need to contact Arval for permission to extend the cover, and a new insurance certificate will be issued. It will be your responsibility to print this document and retain it in the vehicle.

No. Arval is providing Contract Hire on an Insured vehicle. Arval is the policy holder. Therefore the policy cannot be extended to cover personal belongings.

No. Arval is not providing personal injury cover for the driver, however, any Third Party passengers would be included within the policy. In the event a non fault incident, Arval will be able to facilitate any injury claims incurred to the driver or any passengers as part of the loss recovery process from the third party insurer.

You will need to call us to declare a change of overnight postcode. Please contact your Account Management Team to discuss in more detail.

Yes, providing you already take Arval maintenance today and there are more than 6 remaining payments left to make on your contract. Please contact your Account Management team to discuss in more detail. Can you provide me with a ‘no claims letter’ at the end of my contract? Arval can provide a driver history letter which will detail the number of years ‘claim free’ for the driver for the duration of the lease, this will be available upon request. We cannot guarantee all insurance companies will accept the documentation we provide.

At the end of contract Arval will provide a driver history letter to confirm the number of years claim free for the driver for the duration of the lease, this is available upon request. We cannot guarantee all insurance companies will accept the documentation we provide.

Arval Total Care does not cover any claim as a result of deliberately driving through standing flood water

This is not covered with Arval Total Care. Any repair costs will be recharged to you

You are not normally provided with an insurance certificate. Your new lease vehicle is delivered with insurance cover provided under Arval UK Ltd total care product. Your new lease car is then automatically registered on the MID (Motor Insurance Database). If there are exceptional circumstance and an insurance certificate is required you will need to contact us to arrange this for you.

This will be detailed within your Contract Hire terms and conditions agreement.