13 questions to ask before leasing


At Blossom, we aim to provide a transparent leasing service. There are no hidden costs or added extras that you won’t be aware of before you sign the dotted line. We don’t use jargon and will provide you with all the information you need to make an informed decision. However, to ensure you have a trouble free leasing agreement, it’s important you ask some key questions for your own peace of mind and so that you fully understand the contract before you drive away with your shiny new wheels.

1. How are the costs broken down?

You need to be clear of all the costs involved at each stage of the lease before you commit and sign the agreement. There are some figures you will need to know:

  • The deposit required
  • Any additional upfront costs
  • Monthly repayments
  • The total amount you can expect to repay
  • Any fees or charges included within your agreement – such as road tax

2. How long is the lease for?

Most car lease agreements are for two, three or four years. You need to think about which option would suit you best. Ask what lease contract lengths are available for the vehicle you are looking at.

3. Is it a business or personal lease?

Make sure you indicate whether you are a business or personal customer. Business deals are usually advertised excluding VAT so can be a cheaper option if you have a business to put the lease contract through.

4. What types of car finance are available?

The type of finance arrangement on your lease vehicle depends on what you will need at the end of the contract.

  • With Personal Contract Hire (PCH), you ‘rent’ the vehicle throughout the duration of your contract, and then return the vehicle at the end of the agreement, leaving the finance company to worry about depreciation values and disposal of the car.
  • With Personal Contract Purchase (PCP), you get the option to purchase the vehicle or return it to the finance company at the end of the agreement.

Make sure you discuss the different options and choose the finance deal most suited to your needs.

5. When will my monthly payments come out?

The date that you pay your monthly repayments may be a small factor but is an important one. Make sure you set a date that works with when funds will be available, after payday for example.

6. What should I know about 'wear and tear' during the course of my contract?

At the end of a car or van lease, you are expected to return the car in a good, clean, safe and road worthy condition, along with a full service history. If the lease vehicle is returned with damage or ‘excessive wear and tear’ then a penalty may be charged to cover the costs of repair. However, some wear and tear is inevitable over the lifetime of the loan. While you don't have to worry about the resale value of your leased vehicle, you do need to be sure to keep in a good condition.

Here's a link to the BRL Fair Wear and Tear Guide: https://www.blossomvehicleleasing.co.uk/fair-wear-and-tear

7. Does the vehicle come with a warranty? If so, what’s covered?

Leasing a vehicle allows a driver to get the car or van they want at an affordable rate. If you choose a new model, then you’re likely to be covered by a manufacturer’s warranty. This will either be determined by years or miles. Be sure you are clear what is covered and for what period.

8. What mileage is the agreement based on, and what happens if I go over?

All leasing deals are based on a certain amount of annual mileage. You can specify how much mileage you want your lease agreement to include. Mileage usually starts at 5,000 miles. Most typical lease agreements are based on 10,000 miles and range up to 30,000. The average in the UK is 12,000 miles per year.

When you arrange your lease, you will be asked to provide this information. This will then form part of your lease agreement. You need to make sure this figure is as accurate as possible for your use. If you go over the agreed mileage, there will be a charge. It may be possible to adapt this figure if your circumstances change during the leasing period.

We recommend going for a realistic range rather than paying excess mileage as this can work out to be more expensive.

9. Can I get out of my leasing agreement early?

When you agree your leasing contract you will discuss the term of the lease. The cost breakdown will be based on this term along with other contributory factors such as annual mileage and deposit. There may be circumstances when you need to end your lease prior to the end of the agreement. A charge will be applicable. Make sure you are aware what the payments would be if you chose to walk away.

10. What do I do about insurance?

You will be required to insure your lease vehicle with fully comprehensive insurance before you are able to drive it. However there is a difference when completing the insurance information when you are leasing. When filling out your details, the company you are leasing from is the registered owner and you are the registered keeper. Make sure this is clear on your documents. If you are unsure or want to check that you are doing it correctly, check with the company you are leasing from.

11. Is road tax included?

This depends on the leasing agreement and the lease company you use. Make sure you are the question as if it is not included you will need to make sure you tax the vehicle yourself.

12. Can you make modifications to the vehicle?

If you think you may need to, or want to make modifications to the lease car or van, such as adding a tow bar, you mustn’t without permission of the owner – the lease company. Discuss any modification plans before you enter the leasing agreement and sign the paperwork.

13. What happens at the end of the lease?

This process is generally very straightforward, the car gets checked for fair wear and tear and is returned to the manufacturer.

The team at Blossom Vehicle Leasing are on hand to answer any questions you have before you lease your vehicle. Please get in touch, we would be happy to help. Call us on 01242 500060.

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