With Personal Contract Hire, do you get your initial rental back?

As with any lease, you do not get your initial rental back.

What type of vehicle (new, nearly-new or used) is Personal Contract Hire available on?

This type of lease is only available for new cars.

Does Personal Contract Hire include insurance?

Unfortunately, insurance is not included when you choose PCH. This also applies to all other car leasing contracts.

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Q: What if I go over my agreed contract mileage?

Typically, there is a small mileage charge per mile which is agreed at the initial rental, and is confirmed within the contact terms and conditions.

Q: What happens at the end of my lease?

After the car is handed back, there is a general check for damage and wear and tear.

Personal Contract Hire with the UK’s largest independent car retailer includes:

No hidden costs
Metallic paint options
Road tax

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What is personal contract hire (PCH)?

Personal Contract Hire (PCH) is the long-term lease of a brand-new vehicle. PCH is different to Personal Contract Purchase (PCP) as a PCH vehicle cannot be purchased at the end of a lease, unlike PCP vehicles. During the lease agreement, fixed monthly payments of a PCH vehicle will be discussed, as well as an agreed mileage and time period for the lease.

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Alfa Romeo

BYD

Fiat

Hyundai

Jeep

Mazda

Renault

Volvo

The difference between PCH, PCP and HP

	PCH	PCP	HP
Deposit required	Yes	Yes	Yes
Monthly payments required	Yes	Yes	Yes
Annual mileage limit	Yes	Yes	No
Early settlement option	No - large cost	Yes	Yes
Option to own the car outright	No	Yes	Yes

Benefits of personal contract hire

You don't need to worry about the resale, disposal or depreciation of the car at the end of your lease.
Many people don't opt to buy a PCP vehicle at the end of their contract so it may work out cheaper to lease through PCH.
Access to new cars which you may not have been able to afford if you were purchasing the vehicle.
Road tax is included in the contract.

Although…

You will need to agree an annual mileage allowance at the beginning of your contract.You may be charged if you exceed this.
You won't own the car at the end of your lease.

Frequently asked questions for Personal Contract Hire

Does Personal Contract Hire (PCH) include insurance?

No, it doesn't include insurance.

Can you get Personal Contract Hire (PCH) on used or nearly-new cars?

No, this type of lease can only be for new cars.

With Personal Contract Hire (PCH) do you get your deposit back?

No, you don't get your deposit back as with any lease.

What if I go over my agreed contract mileage?

You will pay an added mileage charge per mile agreed at the initial purchase

What happens at the end of my lease?

The car is handed back and is checked for damage and general wear and tear

Can I cancel my contract?

As with a mobile phone contract, you are tied in for the full duration of the agreement and there may be significant charges if you need to change or stop the contract.