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Frequently asked questions

Q. Do New Car Deals lease vehicles?

A. Put quite simply, No - New Car Deals Ltd are a broker, not a lender.
We can introduce you to a limited number of lenders to assist you with the contract hire or leasing of your chosen vehicle(s). The finance company will lease the vehicle to you and New Car Deals Ltd will act as a broker - providing you with a contract specific to your order from relevant finance company specific to your order, which will include the terms of the agreement. This will be provided after you order, but prior to delivery (timescale dependent upon individual finance company's procedure).

Q. What if I can't find the car I want on your website?

A. We can supply most makes and models of car or van. If you can't find the vehicle you are looking for on our website please contact us and we will happily supply you with a quote.

Q. What if I can't find the term or mileage I'm looking for on you website?

A. All deals on our website are examples of what we can offer and are flexible to suit your specific requirements. If you require an alternative annual mileage, or length of term, please contact us and we will be happy to supply you with a quote.

Q. What does 3+23 for a 2 year contract, or 6+35 on a 3 year car leasing agreement mean?

A. Car leasing deals are usually calculated over a 2, 3 or 4 year term.

Deals are usually advertised as 3+23, 3+35 or 3+47 contract. The '3' stands for 3 payments in advance, then +23, +35 or +47 equates to the quantity of payments you will pay throughout the contract term. You will also see deals advertised for comparison on different payment profiles, for example 6+23 and 6+35; this allows our customers to see other options available.

Some customers prefer to pay a higher payment at the start of the lease, which in turn reduces the monthly rental amount for the balance of the contract. This larger first payment is usually referred to as the 'initial payment' or 'deposit'. This payment is flexible and can be increased further, if required, to reduce the monthly payments even more.

Q. What happens if I exceed the annual mileage on the lease contract?

A. Every lease car contract gives an 'excess mileage' price, therefore should you exceed your agreed total mileage, any additional mileage would be charged at this rate. You will be advised of this on your order form.

For example; Excess pence per mile rate = 5p + vat. 1000 miles in addition to the agreed mileage, over the total contract would be charged at £50.00 + vat = £60.00. The finance company will invoice you after your lease car is returned.

Q. What happens at the end of the contract?

A. You simply hand your vehicle back to the finance company when your contract hire term has finished. You will be contacted by us prior to the end of your contract in order to assist in your ongoing vehicle arrangements and to provide any quotes or information for replacement vehicles. Depending on the finance company providing your vehicle lease, we will contact you to arrange a convenient time to collect the vehicle, or provide the details of how to arrange this with the finance company yourself. Most finance companies will contact you directly in addition to this. If you have exceeded your mileage allowance you will be invoiced for the appropriate excess mileage charge by the finance company.

Q. What if my car incurs some damage?

A. The finance company will supply you with a 'Fair Wear and Tear Guide' to enable you to check what is acceptable 'wear and tear' over the course of your lease. When returning your vehicle it will be checked over for any damage which exceeds these guidelines, and you will be invoiced accordingly. We would advise that any damage outside of the guidelines set by your finance company is corrected before you vehicle is collected, so as to avoid any unnecessary charges.

Q. Do I need to complete an MOT for my lease car?

A. An MOT is only required on any car after a three year period. Therefore, unless your lease term exceeds a three year period, you will not need to obtain an MOT certificate.

Q. Is car insurance included in the leasing price?

A. Unfortunately insurance is not included, and all lease cars must be insured comprehensively.
You may also want to consider obtaining gap insurance for your vehicle which provides you with additional security should you write off your vehicle during the lease term. Your account manager will run through a few simple questions with you over the phone to confirm whether you could benefit from this insurance, and if so will provide you with a quote and policy information from our preferred gap insurance provider, AMS Gap. Under no circumstances will you be 'sold to' in regards gap insurance, and we will not accept an order for gap insurance without having given adequate time for you to consider it and compare. If this is something you wish to discuss however, please do get in touch.

Q. Who owns the car?

A. On both 'business contract hire' and 'personal contract hire' the finance company are the legal owner of the car on the V5 document. The finance company will record the customer/business as the keeper of the vehicle on their internal records for the lease term.

Q. Are all lease cars brand new with no previous owners?

A. All of the car leasing deals on our website are brand new UK vehicles, supplied via UK main dealerships, unless stated otherwise.

Q. Is Road Tax included in the car leasing price?

A. Road fund license is included for the full contract duration on 99% of deals. Please check the deal details associated with your deal of interest to ensure this is the case.

Q. Is Breakdown Cover included in the car leasing price?

A. In most cases breakdown cover is included for the duration of your lease term. Please check the deal details for your vehicle of interest.

Q. Are lease cars covered by any form of warranty?

A. All brand new lease cars come with the standard manufacturer warranty supplied at main dealer level.

Q. What is maintenance?

A. You can opt to include what is called a 'maintenance package' in with the price of your lease. This generally covers you for your annual car service and any 'wear and tear' items which need replacing (excluding damage), including tyres in most cases.

Q. Are there any administration fees?

A. Many car leasing companies or dealerships charge an administration or document fee in addition to a large deposit. At New Car Deals Ltd you don't pay a deposit, just a small administration fee as illustrated on your quote.

Q. Is delivery included in the leasing price?

A. All of our car leasing deals include delivery to a UK mainland address of your choice. You can verify this by checking the deal details section on your car of choice.

Q. How do I pay?

A. Please see our How do I pay? page for detailed information.

Q. Will I have the right to cancel?

A. Under a regulated agreement you have the right, without giving any reason, to cancel your agreement at any time during the cancellation period. The cancellation period starts on the date you sign your customer order and ends 14 days after this date.

In the event of cancelling for any reason outside of this time there would be a cancellation fee incurred, equivalent to 3 times the agreed monthly payment plus VAT to New Car Deals Ltd. Any costs incurred by debt collection agents in the course of collection of this sum will also be payable.

Should there be an increase in funding charges or other circumstances beyond the control of New Car Deals Ltd, you would of course have the option to cancel without penalty and any administration fee charged would be refunded in full.

Q. How do I cancel?

A. To exercise your write to cancel you must inform us of your decision in a clear statement (e.g. a letter sent by post to the address below). This needs to be sent to us before your cancellation period has expired.

Q. What happens when I cancel?

A. If you have a regulated agreement and cancel within 14 days, within 14 days of cancelling your agreement we will refund your administration fee in full using the same means of payment as you used for the initial transaction.

Q. How can I trust you?

A. We are authorised and regulated by the Financial Conduct Authority (FCA) as a credit broker for vehicle contract hire or leasing. You can find us on the Financial Services Register at www.fca.org.uk, our firms reference number is 670807.

We are also proud members of the BVLRA - the trade body for the vehicle rental and leasing sector. By consulting with government and maintaining industry standards, they help their members, such as ourselves, deliver safe, sustainable and affordable road transport to consumers and businesses.

Please contact us if you have any further questions, or to discuss your requirements.

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