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Content in this article How pay-per-mile works vs traditional car insurance The core pricing formula What stays the same (either model) Benefits and drawbacks for low-mileage drivers Benefits Drawbacks Who is an ideal candidate? How the cost is calculated (with examples) Example math (illustrative, not a quote) Break-even table (use with your quotes) Which pay-per-mile […]

Content in this article Where excess mileage fits in a Personal Contract Purchase What is an excess mileage charge on PCP? How your mileage allowance is calculated Worked example (illustrative) Does excess mileage matter if I buy the car? What counts as fair wear & tear? Common areas that attract charges if beyond fair wear […]

Content in this article What Is Car Insurance and Why Do You Need It? What Types of Car Insurance Coverage Are Available? Third-Party Only (Minimum Coverage) Third-Party, Fire and Theft Comprehensive (Full Coverage) How Are Car Insurance Rates Calculated? Age and Gender Driving Record and Claim History Vehicle Details (Make, Model, VIN) Postcode and Crime […]

Content in this article Who this guide is for What are my options? Hire Purchase (HP) / Conditional Sale Lease Purchase (HP with Balloon) Business PCP (Personal Contract Purchase) Finance Lease Business Contract Hire (BCH) / Operating Lease Quick chooser table VAT, BIK and capital allowances (high-level, UK-focused) Documentation to Support a VAT Claim on […]

Content in this article What Is Pay As You Go Car Insurance? How Does PAYG Insurance Work? Pay Per Mile Pay How You Drive (Telematics) Who Should Consider PAYG Car Insurance? What Are the Benefits? What Are the Drawbacks? Average Cost of PAYG Car Insurance Which Insurance Companies Offer PAYG Policies? What Happens If You […]

Content in this article What does early settlement mean and why does it matter? How lenders calculate your settlement figure Fees, charges, and penalties to watch for Will you save money by paying off early? Other factors to consider before settling early Differences between PCP, HP, and other types of finance PCP (Personal Contract Purchase) […]