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GENERAL LEASING INFORMATION

What is leasing and what are the advantages?

Leasing a vehicle is effectively the same as renting it for a certain length of time, usually for two, three or four years. You choose the make and model of vehicle, how many miles you are going to drive each year and for how long you would like the contract to last. At the end of the leasing agreement, just hand the car back. You will not own the vehicle at the end of the lease.

Leasing means you do not have to worry about the depreciation of the vehicle or disposing of it at the end of the contract.

Leasing is now an increasingly popular and affordable way to drive a brand new car or van, as you are only paying for the initial payment and a monthly rental, you are not paying to actually own the vehicle. For that reason, initial payments are usually lower and monthly payments are often much more affordable than the expense of owning a car.

With leasing, you also benefit from manufacturers’ warranties; road tax is often included as well as breakdown recovery. You may also want to consider the option of including a monthly-paid maintenance package for complete hassle-free motoring.

Businesses may benefit from additional fleet support and fleet discounts, reduced administration costs and advantageous tax benefits.

Are there any further considerations to take into account when leasing a vehicle?

More and more people are leasing vehicles each year in the UK, and it is worth considering the key facts before you go ahead with your contract.

  1. Excess Mileage Charge

    If you drive more miles than stipulated in your contract, excess mileage charges will apply. You will be made aware of what these charges are prior to going ahead with your contract. You will not receive any money back from the contract if you drive less miles than you predicted.

  1. Servicing and Maintenance

    You will be responsible for servicing and maintaining the vehicle to the manufacturer’s guidelines. This will ensure the warranty remains valid. Synergy Automotive offers fixed price servicing, maintenance and tyres for an additional fee which can help spread the cost throughout the term of the lease.

  1. Ending My Contract Early

    Depending on the type of contract, you may be liable to pay an early termination charge.

  1. Fair Wear and Tear

    You cannot permanently customise the vehicle, although non-permanent accessories may be permitted. In addition, the terms of the lease agreement require the vehicle to be returned in a fair condition based on its age and mileage. The BVRLA ( British Vehicle Rental and Leasing Association) provides an industry guide to fair returns standards. Synergy Automotive and the majority of our leasing company partners work to these standards. You can find out more on the BVRLA website.

Is vehicle road tax included?

Depending on the type of leasing agreement you opt for, vehicle road tax will usually be included for either the first 12 months of the contract or the entire term. Your Account Manager will advise you on this prior to commitment to the leasing agreement.

Is car insurance included?

In most cases, the answer is no. As part of the leasing agreement, it will be your responsibility to ensure that the car has fully comprehensive insurance for the length of the lease.

Once your car has been registered and we have a delivery date from the vehicle manufacturer, our Client Services Team will provide you with your new registration number so that you can arrange insurance to commence from the day of delivery. The delivery driver may want to see your insurance certificate before he can hand the vehicle over to you.

In certain circumstances we may be able to provide a vehicle which is fully insured. Please ask your Account Manager for details on this.

We are not authorised and regulated by the Financial Conduct Authority (FCA) for the sale of vehicle insurance.

Do you provide GAP insurance?

No. Synergy Automotive does not offer GAP insurance.

What insurance is required?

As part of the leasing agreement, you will need to ensure that the vehicle has fully comprehensive insurance for the entire contract term.

Am I responsible for servicing the vehicle?

Yes, all vehicles should be maintained and serviced in line with the manufacturer’s guidelines, as detailed in the vehicle handbook. In most cases, this can be done at your nearest main dealership or independent repairer using the correct parts, oils and lubricants.

For those with a maintenance plan, the majority of costs associated with servicing and mechanical repairs are included in your monthly payment. Maintenance plans vary by provider;your Account Manager will confirm what is included and what is not included at the quotation stage.

What is “Fair Wear and Tear”?

The finance providers will expect your vehicle to be returned in line with their “Fair Wear and Tear” policy. Fair Wear and Tear occurs during normal use of the vehicle over time, but is different to damage, which will need to be rectified before the car is returned to avoid any charges from the leasing company.

Synergy Automotive is a member of the BVRLA, the trade body for the vehicle rental and leasing sector, and you can find out more about “Fair Wear and Tear” by visiting the website:

http://www.bvrla.co.uk/advice/guidance/returning-your-leased-vehicle

I don’t know what my yearly mileage will be…what should I do?

There may be a number of reasons why you are unsure of your yearly mileage. For example, you may be changing roles, jobs or moving home, you could be given a different area of responsibility to work in or you may gain a new customer or business contact in a new area. Synergy Automotive recommends looking at your distance mileage over the last two or three years and considering your personal circumstances and any other external factors which may affect how far you drive each year.

Our team are experienced in these conversations and are happy to help you select the right mileage for your contract. It is important to note that excess charges apply in the event that you exceed the contracted mileage.

If you think you are going to exceed your annual mileage, or are driving less miles than you thought, please contact your Account Manager or our Client Services Team for advice.

What would happen if I wanted to terminate my lease early?

Lease agreements are fixed-term contracts therefore terminating them could mean you are liable to pay a charge and any excess mileage charges due at that point. Please contact your Account Manager or our Client Services Team for a quote.

Does my vehicle come with the manufacturer’s warranties?

Yes, all new and pre-registered vehicles benefit from the manufacturer’s warranty. These may differ between brands. Please discuss this with your Account Manager who will be happy to provide the warranty details and benefits for the various makes and models.

How is the residual value of the vehicle calculated?

Leasing companies use a variety of factors to estimate the residual value of your vehicle at the end of the lease. This includes information from the vehicle manufacturer, auction prices and historical resale data as well as market trends and changes in tax legislation including, for example, CO2 tax and Benefit in Kind (BIK) tax.

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BUSINESS AND PERSONAL LEASING

What is the difference between a personal lease and a business lease?

If you are a private individual with no access to a car allowance, business mileage payment or a company provided vehicle, then you will require a personal finance agreement. This could be Personal Contract Hire (PCH) or Personal Contract Purchase (PCP).

If you have access to a company car or a car allowance to opt-out of your company car scheme, our team are here to talk you throught the advantages and disadvantages of a business or personal lease.

BUSINESS OR PERSONAL QUICK GUIDE:

COMPANY CAR

PERSONAL CAR

Your company or employer takes the agreement.

It’s your agreement.

You will hand your car keys back if you change your employer.

Your car will stay with you if you change your employer.

The credit commitment is in your company’s name.

The credit commitment is in your own name.

Your choice of vehicle may be limited and you will have to keep it for the number of years specified by your company.

Freedom to choose your own vehicle and the length of the contract.

You could be liable for benefit in kind tax.

You are not liable for any benefit in kind tax.

 

There are a number of considerations to take into account when choosing between a business or personal lease. Our team here at Synergy Automotive will provide you with as much information as possible so that you can make the right decision based on your own circumstances. If you are a business owner, we will also provide all the technical information to assist your accountant or tax advisor.

You can find out more about the different options for Business or Personal Vehicle leasing.

I don’t own a business, can I lease a vehicle?

Yes, you can lease a vehicle on one of our personal leasing options. Many private individuals now see the benefits of leasing. Your Account Manager will talk you through the options available. find out more about the different options for Business or Personal Vehicle leasing.

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FUNDING YOUR VEHICLE

Who provides the funding to finance my car?

Celebrating over 10 years in business, Synergy Automotive has built strong, trusted relationships with major manufacturers and vehicle suppliers. Our business volume ensures we obtain the very best terms, vehicle availability and purchase allocations. We work with a carefully selected panel of blue chip vehicle finance providers including ALD, Arval, Hitachi, Lex Autolease and Network Leaseplan.

Are there any hidden costs?

No, there are no hidden costs. Synergy Automotive may apply a vehicle sourcing charge from £150 + VAT. On certain types of agreements there are documentation, administration and option-to-purchase fees. These charges will be clearly identified on the written quotation. As a general rule, these are small amounts and will be highlighted as part of the initial quotation if applicable.

How much should I put down as an initial payment?

Your initial payment can be flexible depending on your circumstances, and normally would be the equivalent of between three and nine months’ leasing payments for your chosen vehicle. The higher the initial payment, the lower the regular monthly payments.

Is my initial payment returned to me at the end of the lease?

No, your initial payment is not returned as it forms part of the overall cost of the leasing agreement.

How much is your sourcing fee and why do I need to pay it?

The sourcing fee is from £150+VAT and it covers the cost of our administration in providing you with the best leasing deal based on your requirements.

When will the first monthly payment leave my bank account?

Your first monthly payment is normally taken by the leasing company approximately one month after delivery of your vehicle.

When must my initial payment be made?

Your initial payment is usually taken by the leasing company approximately 7 to 10 days after delivery of your vehicle.

Why do I need a good credit rating?

In order to qualify for our leasing contracts, you will need to be accepted by one of our financial providers. They normally look for a “good” or “excellent” credit rating to protect themselves from risk and ensure that all the payments on the lease vehicle will be made, as per the leasing agreement. If you have any concerns about your credit rating, please chat this through with your Account Manager at an early stage in the process.

Credit reference agencies such as Equifax, Experian and Call Credit can provide you with a report of your credit history and help explain your credit score.

You can also access free and independent financial advice from Citizens Advice and The Money Advice Service.

My finance application was rejected. What are my options?

If your finance application is rejected, your Account Manager will be on hand to let you know about the decision as quickly as possible and offer some advice, depending on your individual circumstances.

Credit reference agencies such as Equifax, Experian and Call Credit, can provide you with a report of your credit history and help explain your credit score.

You can also access free and independent financial advice from Citizens Advice and The Money Advice Service.

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ORDERING YOUR VEHICLE

What are the advantages of leasing with Synergy Automotive?

Synergy Automotive has been established for over 10 years and we are proud of our friendly and professional approach. We offer a Best Price Guarantee and in for three consecutive years we've achieved the Gold Trusted Service Award from global feedback engine, Feefo. We are focussed on offering a great leasing experience for our clients. You can read our independently verified reviews on Feefo by visiting our Reviews section and see why we're rated 5 Stars for Customer Experience. 

How long will my vehicle take to arrive?

How long your vehicle takes to arrive will depend on a number of factors. Factory orders can take from 6 weeks to 6 months to be ready for delivery. Where possible, we always offer stock vehicles which can be delivered in as little as 7 to 10 days. If the agreement is regulated and covered by distance selling regulations and consumer credit directives (in the case of private individuals, sole traders or partnerships having less than four partners), after placing the order there is an obligatory “cooling off period” of between 7 and 17 days. Your vehicle can then be delivered to you after that time.

Let us know what timescales you need to work to in order to have your vehicle delivered, and we will be happy to try and accommodate you wherever possible.

Do I need to collect my car?

No, in most cases we offer free mainland UK delivery of your vehicle to an address of your choice. The vehicle will be driven to you from our supplier. Should you prefer your vehicle to be transporter delivered, please ask our Client Services Team if this is possible and they will advise you if there are any associated costs.

Where do you deliver vehicles to?

All our vehicles include free mainland UK delivery to an address of your choice.

I’ve placed an order but I want to cancel it….what do I do?

If you wish to cancel your order, please inform us by telephone, email or in writing as soon as possible.

 By signing a contract or accepting our terms of business by text you agree for Synergy Automotive to start sourcing a vehicle for you immediately. 

 If you have a regulated agreement (e.g. you are a private individual, a sole trader or a partnership with up to 3 partners) and choose to cancel it, you will be liable for the costs of any service delivered which will be equal to one month’s rental (+VAT) of the vehicle ordered, and in addition our vehicle sourcing charge is non-refundable if you choose to cancel your order for any reason at any time. 

 If you have a non-regulated agreement (e.g. a business which is a limited company, PLC, a partnership with 4 or more partners), any deposit paid will be forfeit to Synergy Automotive in the event of cancellation, and in addition our vehicle sourcing charge is non-refundable if you choose to cancel your order for any reason at any time.  Please refer to our full terms and conditions.

 If you finance application is not approved, we’ll refund the Vehicle Sourcing Charge and any applicable holding deposit paid and there will be no further cost to you. 

Your order will only be confirmed on receipt of the signed quotation/order form, you finance application has been approved, and payment of the vehicle sourcing charge as well as any applicable holding deposit has been received.  

Do you offer part-exchange?

No, we do not offer part-exchange.

Do you sell or lease used cars?

No, we do not sell or lease used cars or vans. All the vehicles we lease are new or new pre-registered vehicles.

What makes of car do you lease?

We are able to source the majority of makes and models available in the UK. Search our website for details or contact us and we'll call you back to discuss your requirements. 

Is breakdown cover / roadside assistance included?

Breakdown cover is often included for the entire term of the lease or at least the first year, depending on the specific make of your vehicle. Your Account Manager will be able to confirm this with you prior to commitment to the lease.

Can I add private number plates to my lease car?

Yes, this is normally fine, subject to leasing company acceptance. We can arrange for private number plates to be added to your vehicle prior to delivery. Please inform your Account Manager or our Client Services Team as early in the process as possible as this can take 3-4 weeks to arrange. Synergy Automotive will be happy to organise this for you at no additional charge, however, please note that the leasing company may make an administration charge for adding and/or removing private number plates.

Do you offer a national delivery service?

We offer free UK mainland delivery to an address of your choice.

Where are you based?

Synergy Automotive’s head office is based at Hornbeam Park in the beautiful spa town of Harrogate, North Yorkshire.

We are close to all major motorway networks, and serve clients in every area of the country including Scotland, Wales and all major cities and the surrounding regions, for example London, Manchester, Sheffield, Birmingham, Leeds, Harrogate, York, Newcastle, Liverpool, Bristol, Leicester, Bradford, Coventry, Southampton, Portsmouth.

Why can't I obtain an insurance quote for my new vehicle - the registration plate number is not being recognised?

Sometimes car insurance websites will not recognise your new vehicle registration plate because the vehicle is only registered shortly before it is delivered. You should be able to choose the make and model of the vehicle instead of the registration plate and obtain an insurance quote that way. Please give our Client Services Team a call if you need any more help.

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DURING YOUR LEASING TERM

I have exceeded my yearly mileage …what are my options?

If you have exceeded your yearly mileage, or think that this is likely, please call our Client Services Team or drop them an email on info@synergyautomotive.co.uk. Our Client Services Team will be happy to discuss the options available and calculate the excess mileage charge to date, to estimate what you might have to pay at the end of the agreement. There may also be the option of re-contracting your vehicle based on the higher mileage.

Where can I take my car for servicing?

Your vehicle must be maintained in line with the manufacturer’s guidelines as detailed in the vehicle handbook. This can be done at either your nearest main dealership or by an independent repairer using the correct parts, oils and lubricants.

I have a maintenance plan….how do I get my tyres changed?

Depending on the type of maintenance plan you have opted for, most tyres can be replaced by several nationwide tyre companies, including Kwik Fit, ATS and National Tyres, with depots all over the country as well as mobile repair units.

You will be provided with a “Driver Welcome Pack” with details of all services available with your lease vehicle, including service, maintenance and tyres, and how to arrange replacement tyres in the event of wear and tear, punctures or blow-outs.

What is included in my maintenance plan?

Maintenance plans vary by provider. Your Account Manager can talk you through the options available and provide you with a quote. Alternatively, please check your maintenance documentation before booking your vehicle in for maintenance or a service so you know exactly what is covered.

My car has broken down…what do I do?

In many cases, roadside assistance will be provided by the vehicle manufacturer for either the first year of the contract or the entire leasing agreement. Please check your “Driver Welcome Pack” or Vehicle Handbook and call the Breakdown Recovery/Roadside Assistance number.

We always recommend putting this number in your mobile phone should you need it in an emergency.

I’ve had an accident in my vehicle…what do I do?

In the first instance, please contact your insurance company and inform your lease company. Please contact Synergy Automotive at a convenient time after the accident. Please give our Client Services Team a call or email info@synergyautomotive.co.uk.

Check any documentation provided by your insurance company and leasing company regarding the policies and procedures to follow in case of an accident, and keep them with you in your vehicle at all times.

What if my vehicle is written off?

If your vehicle is written off or involved in an accident during the term of the lease, you must inform your insurance company and leasing company. You should also inform Synergy Automotive by contacting our Client Services Team by phone or by email info@synergyautomotive.co.uk. You must make sure your vehicle has fully comprehensive insurance throughout the term of the lease.

I want to take my lease car abroad…what documentation should I take with me?

You are required to inform the leasing company if you wish to take your car abroad so that they can issue you with a “Vehicle on Hire” (VE103) certificate. Make sure you allow plenty of time to receive the certificate by post - there will be a small charge for this. The certificate will entitle you to drive the vehicle in all EU member states.

Make sure you have European Breakdown Cover and that this covers you for repatriation of the car to the UK should it suffer significant damage and cannot be fixed abroad. Make sure your fully comprehensive insurance also covers you for travelling abroad, and that you comply with all legal requirements of the country or countries you are travelling in.

You can find more specific advice and links to further information from: www.gov.uk/driving-abroad

I have not taken out a maintenance package….where do I take my car for servicing?

You are required to ensure your vehicle is maintained in line with the manufacturer’s requirements. Most cars can either be taken to your nearest main dealership for routine servicing or an independent repairer using the correct parts, oils and lubricants.

Can I modify or add accessories to my vehicle?

Yes, you can modify the vehicle providing the accessory can be removed from the vehicle prior to collection at the end of the lease without any lasting damage. You cannot permanently change the vehicle.

Can I change to a new car during the term of my lease?

If you wish to terminate a lease and take out a new lease on another vehicle, there may be early termination charges to pay. Speak to your Account Manager who will advise you of your options.

How do I end my contract early?

Please get in contact with us if you want to end your leasing agreement early as early termination charges may apply. Your Account Manager or our Client Services Team will be able to advise you.

I have driven more miles than I anticipated at the start of the lease. What can I do?

Please get in touch with our Client Services Team so we can confirm your excess mileage charge and offer further advice.

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COMING TO THE END OF THE LEASE

My current lease is coming to an end…what do I do?

We advise you start thinking about your next leasing vehicle six months prior to your current agreement ending. Our Client Services Team will be in touch to remind you of the end date of your current contract. Speak to your Account Manager at least 6 months in advance of the end date of your current contract, so we can advise you of lead times for your next vehicle of choice. We work towards delivering your next vehicle on the day your current agreement ends. Where possible, we will also arrange for your existing vehicle to be collected on the same day.

It also worth checking that your current vehicle is up to date on service and maintenance, and to check the vehicle’s Fair Wear and Tear policy to allow plenty of time should any minor repairs need to be made before the contract ends.

Can I purchase my car at the end of the lease term?

In most cases you will not be able to purchase the car. The advantages of leasing mean that the car is simply handed back at the end of the term and a new vehicle is leased under a new contract.

Some finance options such as Personal Contract Purchase (PCP) and Business Finance Lease do offer the opportunity to buy the vehicle at the end of the contract subject to a final payment. You will have been notified of the cost before committing to the finance agreement. Find out more about business or personal leasing.

Can I extend my contract at the end of the lease term?

In certain circumstances this may be possible depending on the type of agreement, the finance provider and whether the agreement is regulated or non-regulated. Please contact our Client Services Team for advice.

Do I own the vehicle at the end of the lease term?

In most cases you will not own the car. The advantages of leasing mean that the car is simply handed back at the end of the term and a new vehicle is leased under a new contract.

Some finance options such as Personal Contract Purchase (PCP) and Business Finance Lease do offer the opportunity to buy the vehicle at the end of the contract subject to a final payment. You will have been notified of the cost before committing to the finance agreement. Find out more about business or personal leasing

How is my vehicle returned at the end of the contract?

Your vehicle will be collected from an address of your choice. The vehicle must meet the “Fair Wear and Tear” guidelines set out by the leasing company.

How do I get in touch with Synergy Automotive?

You can reach your Account Manager directly (their email address and direct line will be on any emails you have received), or you can contact our Client Services Team by telephone or email info@synergyautomotive.co.uk.

Our address is:

Synergy Automotive
I2A Hornbeam Park Oval
Hornbeam Park
Harrogate
HG2 8RB

Our opening hours are Monday to Friday 8.45am to 5.45pm. We are closed on bank holidays.

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