Personal Car Leasing – all you need to know

What is PCL? It’s a new way to drive a brand new car. You’re able to get your choice of car, complete with servicing and maintenance, road tax, tyres and breakdown cover, all for a fixed monthly amount.

The car is paid for via direct debit, meaning you’re not tied to your employer and the amount is flexible depending on how much you pay initially, meaning the payments can be tailored to your preference.

To qualify, all you have to do is apply, pass an initial credit check, make sure that the monthly payments are affordable throughout the term of the contract and insure the vehicle.

How does the scheme work?With Tusker’s Personal Car Leasing, you get to choose the length of your agreement and how much you’d like your initial rental to be. This gives you the flexibility to choose the agreement that’s right for you.

Tusker will take a fixed monthly amount via direct debit each month, this will be over either 2, 3 or 4 years. Once your annual mileage is chosen, you will need to decide how much to put down as an initial rental, ranging from 1-12 month’s rentals; the higher your initial rental, the lower your monthly instalments will be. After this, you’re ready to order your shiny new car.

A brand new car of your choice

Servicing and maintenance for fair wear & tear

Annual road fund licence

Full breakdown cover

Replacement tyres

What’s included in the scheme?

What’s not included?Insurance

Fuel and Oils

Excess mileage charges may apply if you exceed the contract mileage

Benefits of choosing a car through the scheme: • Comprehensive motoring package

• We get great deals on all the cars we offer

• The agreements we offer are flexible to fit your budget

• We pride ourselves on great customer service

How do I choose my new car?Order your new car online today by visiting tuskercars.com/pcl. On the site you can effortlessly search the huge range of cars available, watch videos about the scheme, prepare quotations and compare the cars you’re interested in.

Once you’ve decided on the car you want, simply submit your selection online and after a quick credit check your order will be placed.

How long will my new car take to arrive?This varies depending on which car you choose, but as your car will be built to order, it’s typically around 12 weeks. Once you have placed your order we will contact you with all the information you need, including an estimated delivery date. If you have an existing car to sell we’d always advise to wait until your new car has been delivered to do this.

We aim to get you on the road as quickly as possible and so often have a variety of stock cars available, meaning your new car could be delivered in as little as 2-4 weeks. We’ll contact you as soon as your order is approved to advise if we can help in this way.

Frequently Asked Questions1. How do the payments work?There are two main payments you’ll see on a quote; an initial payment and an ongoing monthly payment, as well as a £100 processing fee. The initial payment lets you secure the car and you can choose to increase this. The more you pay upfront, the less you’ll pay each month. The ongoing payment is the monthly cost for the remainder of the lease period which is taken via direct debit. As it’s fixed, it helps you plan your monthly finances better.

Please note, if the agreement is cancelled after your car is delivered, you may still be liable for all outstanding payments.

2. Are there any restrictions?As with all rental agreements, there are some restrictions and services that aren’t included:

• You’ll need to arrange your own fully comprehensive motor insurance • You won’t be able to modify the car in any way without permission from Tusker • If you exceed the agreed mileage, you would have to pay an excess mileage

charge at the end of the agreement

• You must return your car in good repair and condition (taking into account ‘fairwear and tear’). Charges may apply if you vehicle is returned with damage. Tuskerwork to BVRLA guidelines and will provide you with a copy of their guidelinesupon delivery

• If you plan on taking your car abroad, there’s a legal requirement to proveownership of the car and so you’ll need to arrange a VE103 form from Tusker forwhich there’ll be a small admin charge

• You’ll be responsible for any fines or penalty noticesPlease refer to your Driver Guide document for further details

3. What happens at the end of the lease?

When it’s time for your car to be returned to us, we’ll arrange

for your car to be collected from your chosen address. If you

exceed the agreed mileage, you would have to pay an excess

mileage charge at the end of the agreement. You must return

your car in good repair and condition (taking into account ‘fair

wear and tear’), otherwise charges may apply. Tusker work

to BVRLA guidelines and will provide you with a copy of their guidelines upon delivery.

If you’ve decided to take another car from Tusker, we can

deliver your new personal lease car at the same time - old keys

for new keys. Easy!

4. What’s the difference between personal car leasing and personal contract hire?

Nothing! This is just a difference in terminology used between

car leasing and contract hire companies but the two car

personal leasing packages basically offer long term rental

of a new car. There are differences with the Tusker scheme

however, as we also include additional services in order to

make it easier to run the car, which other providers don’t do.

5. What happens when my car needs a service? You are responsible for booking your car in to be serviced or for any required maintenance work. You can do this by calling the Driverline on 0333 400 3696.

• It’s Tusker’s policy to use local independent garages within a preferred network for service

• All warranty concerns and repairs will be booked with main dealers • Due to our agreed network terms and conditions, you are unable to specify or

request to use another garage

• Any form of work that is needed on your car must be booked by Tusker via their approved network. If you do not follow this process, you may be liable for the full cost

• Depending on your location, Tusker may be able to arrange for your car to be collected and delivered back to you, please allow a minimum of 5 working days’ notice for this service

• Most garages offer courtesy cars and Tusker recommend that you give a minimum of 15 days’ notice to ensure availability. Tusker are not always able to guarantee the availability of a courtesy car because it depends on the garage’s capacity.

Certain types of repairs will not be covered by your agreement;

For example:

• Stone chips • Fluid top-ups • Missing trim and items • Locking your keys inside the car • Mis-fuelling • Running out of fuel

• Driver error/misuse • Glass repairs or replacement (this may

be covered by your insurance provider)

• Diesel Particulate Filters (DPF’s) • Recovery of stranded or abandoned

vehicle due to adverse weather or environmental conditions

If repairs are needed due to these incidents, the costs to repair will need to be settled by you. Any damage must be repaired by a Tusker recognised garage or service provider. Sub-standard repairs will need to be rectified, and paid for by you.

6. What am I responsible for to maintain my vehicle?Tusker strongly recommend that you carry out regular safety checks on your car. If issues do occur which are due to driver negligence, error or misuse, then any repairs due may be charged to you.

Regular checks should include:

• Tyres for inflation levels, visible damage & tread depth • All lights are in full working order • Water levels - check and top up washer bottle levels • Oil and fluid levels - check and top up engine oil, Adblue

and coolant as detailed in the manufacturer’s handbook (mechanical failures resulting from non-maintained or low fluid levels will not be covered under the vehicle maintenance contract)

• Registration plate cleanliness and visibilityPlease note all Tusker cars are ‘no smoking’.

Defect Rectification NoticesIf your car is identified by the Police as having a defect, e.g., one of its indicators is broken, you may be issued with a vehicle defect rectification notice by the Police. This means that you’ll have to provide proof at a Police Station that the fault has been fixed.

Where can I get more information or help?We have a dedicated Employee Engagement Team who offer support and guidance to make sure that you fully understand the scheme. They can also help you choose the right car to suit your needs and lifestyle.

You can get in touch with them on 0333 400 3696 or email pcl@tuskerdirect.com.

There’s also a wealth of information on our website, at www.tuskercars.com/pcl.

Tuskerdirect Limited trading as Tusker is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority (FRN 626349) for consumer credit activities. Tuskerdirect Limited acts as a credit broker not a lender and only introduces to Close Brothers Limited (FRN 124750). If you would like to know how complaints are handled for this scheme, you can ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk. Registered Office: Tuskerdirect Ltd, Building 4, Croxley Business Park, Watford, WD18 8YF.

www.tuskercars.com/pcl