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FAQs

Answering your most commonly asked questions about our finance products

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About Business Vehicle Finance

Is a contract hire agreement subject to VAT?

All contract hire agreements are subject to VAT, which is currently set at 20%. If changes were made by the Government then these would be passed onto the customer.

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How much do I need to pay as an initial deposit?

The initial deposit varies per vehicle.
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What does "flexible terms and mileage" mean?

We can offer arrangments over 2 to 5 years & from 5,000 to 50,000 miles per annum.
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Can my spouse or partner drive the vehicle?

Anyone who is named under the vehicle insurance policy, can drive your vehicle with your permission, subject of course to any legal and insurance obligations.

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Does the vehicle come with a warranty?

Manufacturers' warranty vary from typically 1 to 3 years

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Can you assist in supplying a vehicle for a start up business?

Yes we can. There are a variety of finance options available to you. For more personalised advice, please contact our team.
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Do you lease commercial vans?

Yes we do. If you need a commercial van, please contact our team for more personalised advice.
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Will I have an account manager?

You will be allocated a consultant who will look after your vehicle needs.
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Can I claim back the VAT on my leasing payments?

If you lease a vehicle on a personal basis, unfortunately you cannot reclaim the VAT. However, if you lease a vehicle through a business that is VAT registered and you take out a VAT qualifying contract, then you are fully capable of reclaiming the VAT amount that is set by HMRC.

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Who owns the vehicle?

For Business Contract Purchase, Lombard Vehicle Solutions will be the registered owner and you will be the registered keeper. For Business Contract Hire, Lombard Vehicle Solutions will be the registered owner and the keeper of the vehicle.

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Is the Road Fund Licence included in my agreement?

The Road Fund Licence is included for the first year in Business Contract Hire agreements.

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What is the minimum/maximum mileage I can do?

The minimum mileage is 5,000 per annum with a maximum mileage of 50,000 per annum depending on the period of the agreement.
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Is a service and maintenance package included?

You can add a service and maintenance agreement to your product at the start of your contract. This will add an additional fixed monthly cost to your mnthly repayments. All our offer prices presented on the website are without maintenance agreements. Please speak with one of our team for further information if you would like to add this to your agreement.
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Is my lease vehicle brand new?

We offer brand new vehicles & used vehicles upto 15 months old.
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Order & Delivery

How will the vehicle be delivered?

Our vehicles are usually delivered by a franchised dealer. In some cases you may be able to collect. Please speak to one of our advisors to see whether this is possible.
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Do I get charged for the delivery of a vehicle?

Your vehicle will be delivered to an address of your choice on the UK mainland. There is no additional charge for this.

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What is included with my vehicle?

Standard manufacturer specification plus any specified additional factory or dealer fitted options.
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My vehicle doesn't match my order? What do I do?

Call your LVS consultant upon delivery or at the time the supplying dealer checks the specification with you.
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My vehicle is damaged upon delivery? What do I do?

Call your Lombard Vehicle Solutions consultant who will be able to assist you with your damaged vehicle.

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Do you offer pooled mileage?

Yes
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Servicing and Maintenance

Where can I get my vehicle serviced?

Any franchised dealer (maintained agreements) or any dealer that uses genuine original franchised manufacturer parts (non-maintained).
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How do I book an MOT or service if I have maintenance agreement?

Call the "driver assistance" line 0344 600 9013
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Will I receive an MOT reminder?

Yes
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What if I have a preferred dealer for servicing and maintenance?

Call the "driver assistance" line 0344 600 9013

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What if my vehicle has a diesel particulate filter (DPF)?

You may have to adjust your driving habits/style to allow the system to regenerate.
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Insurance, breakdown and accidents

Whose responsibility is it to insure the vehicle?

Lombard Vehicle Solutions do not provide insurance, so you will need to arrange this yourself.
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What do I do if I have an accident?

Call you Insurer or if you have our accident management service then call the "driver assistance" line 0344 600 9013.

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What do I do if my vehicle has been stolen?

Please call your insurance company, or if you have our Accident Management service then you can call the "driver assistance" line 0344 600 9013.

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What do I do if I breakdown and need assistance?

Refer to your vehicle's handbook for the manufacturer's cover. If this has expired call the "driver assistance" line 0344 600 9013.

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What if I have a problem with my vehicle?

Call the "driver assistance" line 0344 600 9013
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I've damaged the vehicle, what do I do?

Call your insurance company or if you have our Accident Management service then please call the "driver assistance" line 0344 600 9013.

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End of contract

What options do I have at the end of a Contract Hire agreement?

i. Return the vehicle

ii. Return the vehicle and take out a new agreement with Lombard Vehicle Solutions, normally on a key for key change.

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What options do I have at the end of a Contract Purchase agreement?

At the end of your agreement you have 3 options:

i. You can pay the optional final payment so you own the vehicle

ii. Return the vehicle

iii. Return the vehicle and take out a new agreement with Lombard Vehicle Solutions, normally on a key for key change

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Can I extend my contract?

Yes subject to approval. This will be reviewed on a case by case basis.

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What condition do I need to return the vehicle in?

As long as you are within your agreed mileage, have looked after your vehicle, serviced it in accordance with the manufacturer’s servicing schedule and it’s condition is within the BVRLA fair wear and tear guidelines you should not incur any additional charges. For more information about the BVRLA fair wear and tear guidelines, click here 

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Will I get charged an additional fee after the car has been returned for any damages incurred?

When returning your vehicle to us, we will inspect the vehicle. Any damage that the vehicle has incurred that falls outside of the BVRLA Fair Wear and Tear Guide, you will be liable for any charges. Below are the common problems that result in customers having to pay charges: • Scratches over 25mm (relative to the vehicle’s age and mileage) • Scratches under 25mm (where the primer and bare metal is showing) • Accident damage and dents • Missing sets of keys • Missed services • Missing documentation • Damaged or stained interior • Windscreen chips • Wheel damage due to kerbing. You can read the full guide here 

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Administration and online tools

Can I change the mileage on my vehicle?

Yes
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How do you use my data?

We will not pass your data on to any 3rd party organisations.
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Can I change my marketing preferences?

Yes, please call us and let us know what changes you'd like to make and we will update our records

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What if I have a complaint?

Contact your consultant or email us at quality@lombardvehiclesolutions.com

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Can I terminate my contract early or will I be penalised?

Yes the contracts are designed to run for the desired term. Should you wish to terminate your contract ahead of the intended term, it is likely that you will incur fees.

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What if I need to change driver details?

Contact your consultant.
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Company Vehicle information

How much company vehicle tax will be due on my leased vehicle per annum?

The annual car tax on your company car will depend on a number of factors:

• The P11D value

• Your income tax percentage rate

• The benefit in kind (BIK) tax banding, which is determined by its CO2 emissions

• Access the company car tax calculator here to get an exact amount.

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When will it become more cost effective to provide a company lease car rather than leave an employee as a Grey Fleet driver?

It is estimated that the point where it becomes more cost effective to provide a company lease vehicle is somewhere between 6,000 and 10,000 miles.

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What is my duty of care to employees driving their own vehicles for work?

It is the responsibility of the business to assess risks associated with drivers using their own vehicles and to understand the actions that are needed to manage the risk.

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