Best Lease Car Deals Available? (Vol 8)
Discussion
JoshT97 said:
Jay_P said:
Ive seen an Audi A3 35 TFSI Black Edition Auto, 5k, 24 months
£222 month and initial of £1500 so £6600 over 24 months with P11D of £29,000 so 22.7%.
What are your guys thoughts?
the % calculation needs to be based on 10k p/a but deal is still fairly good.£222 month and initial of £1500 so £6600 over 24 months with P11D of £29,000 so 22.7%.
What are your guys thoughts?
The excess mileage is 7.52 per mile so if you went over 5k per year that’s additional £752 over the term and raises the % to 25%. Still a reasonable deal for a fairly high spec A3.
Phatbenito said:
You can’t claim 56p if you use a NHS fleet car for business miles, as it’s a company car. It’s not a “personal lease” via salary sacrifice, it’s a company car like any other. If you do no business miles, then it’s doesn’t matter to you, but many NHS employees do.....
what?Yes you can, I did on a GTE I had two years ago, my colleagues do now. As i said it IS classed as a personal lease, NOT a business lease, no idea where you get your information from, but we are talking about https://nhsfleetsolutions.co.uk/ here, that is who our trust uses.
They previously DID do both business lease, where you could only claim 12p per mile, and personal (family lease) via salary sacrifice, but that was at least 8 years ago now.
Edited by garpat32 on Thursday 12th December 10:59
Phatbenito said:
If she does business miles, you need to check what she will be missing out on with having a company car vs personal and factor that in.
Personally I’d take the monthly pension figure that will no longer be being invested and add that on as a notional cost too.
If it’s still cheaper or thereabouts (and it may be with the zero BIK) then I’d FT-NHS-k.
Again, you are incorrect.Personally I’d take the monthly pension figure that will no longer be being invested and add that on as a notional cost too.
If it’s still cheaper or thereabouts (and it may be with the zero BIK) then I’d FT-NHS-k.
If you agree lease with 10k a year miles they don't care if that's all personal or all business.
You claim your business mileage via expenses, as usual, if required.
Plenty of my colleagues have these lease's and dont claim any business miles.
Awt said:
Just seen some really good comments /deals wit mh NHS Fleet.
Sorry for this stupid question, does the person working with NHS needs a full driving license to get these deals?
Just wandering if it can be leased and I can be the main driver as wife works for nhs
From their FAQ's;Sorry for this stupid question, does the person working with NHS needs a full driving license to get these deals?
Just wandering if it can be leased and I can be the main driver as wife works for nhs
Why do I have to complete a Licence Check form?
A driver entitlement check form needs to be completed by everyone wanting to drive the car. This allows us to check all licences both at the start, and periodically throughout the lease, to make sure all drivers continue to be entitled to drive.
It's not clear, but I'd call them to be sure. I do know that when you submit a quote you can put down up to 5 drivers and nominate anyone of those as the "main" driver.
Hope that helps.
noopets said:
I’ve just FTK on the following:
Skoda Karoq 1.5tsi Dsg Edition
£254 pm
£1524 initial payment (6month)
24 month contract
8k miles per year
Excess miles 7.72p
I’d initially ordered a sportline but it was snapped up by the time paperwork was sorted, so was offered this or same payments (car p11d is £28990)
Have I got a good deal?
Hi mate, could you let me know who this is with please? It doesn’t seem too bad and I wouldn’t mind looking at this a bit more! Skoda Karoq 1.5tsi Dsg Edition
£254 pm
£1524 initial payment (6month)
24 month contract
8k miles per year
Excess miles 7.72p
I’d initially ordered a sportline but it was snapped up by the time paperwork was sorted, so was offered this or same payments (car p11d is £28990)
Have I got a good deal?
Cheers!
garpat32 said:
From their FAQ's;
Why do I have to complete a Licence Check form?
A driver entitlement check form needs to be completed by everyone wanting to drive the car. This allows us to check all licences both at the start, and periodically throughout the lease, to make sure all drivers continue to be entitled to drive.
It's not clear, but I'd call them to be sure. I do know that when you submit a quote you can put down up to 5 drivers and nominate anyone of those as the "main" driver.
Hope that helps.
ThanksWhy do I have to complete a Licence Check form?
A driver entitlement check form needs to be completed by everyone wanting to drive the car. This allows us to check all licences both at the start, and periodically throughout the lease, to make sure all drivers continue to be entitled to drive.
It's not clear, but I'd call them to be sure. I do know that when you submit a quote you can put down up to 5 drivers and nominate anyone of those as the "main" driver.
Hope that helps.
Awt said:
Just seen some really good comments /deals wit mh NHS Fleet.
Sorry for this stupid question, does the person working with NHS needs a full driving license to get these deals?
Just wandering if it can be leased and I can be the main driver as wife works for nhs
If you wanted a BMW or MINI, their Forces discount scheme can be had for NHS employees and family.Sorry for this stupid question, does the person working with NHS needs a full driving license to get these deals?
Just wandering if it can be leased and I can be the main driver as wife works for nhs
https://www.bmw-ukforces.co.uk/personal-lease-cars...
Don't know how good or bad the deals are though.
AlwynMike said:
If you wanted a BMW or MINI, their Forces discount scheme can be had for NHS employees and family.
https://www.bmw-ukforces.co.uk/personal-lease-cars...
Don't know how good or bad the deals are though.
BMW 440GT deal is excellent. Why do I look on this forum once I have a car on order https://www.bmw-ukforces.co.uk/personal-lease-cars...
Don't know how good or bad the deals are though.
Hutch33 said:
AlwynMike said:
If you wanted a BMW or MINI, their Forces discount scheme can be had for NHS employees and family.
https://www.bmw-ukforces.co.uk/personal-lease-cars...
Don't know how good or bad the deals are though.
BMW 440GT deal is excellent. Why do I look on this forum once I have a car on order https://www.bmw-ukforces.co.uk/personal-lease-cars...
Don't know how good or bad the deals are though.
garpat32 said:
what?
Yes you can, I did on a GTE I had two years ago, my colleagues do now. As i said it IS classed as a personal lease, NOT a business lease, no idea where you get your information from, but we are talking about https://nhsfleetsolutions.co.uk/ here, that is who our trust uses.
They previously DID do both business lease, where you could only claim 12p per mile, and personal (family lease) via salary sacrifice, but that was at least 8 years ago now.
If you took a salary sacrifice and it came from your gross salary, then you will have paid BIK. Did you pay BIK?Yes you can, I did on a GTE I had two years ago, my colleagues do now. As i said it IS classed as a personal lease, NOT a business lease, no idea where you get your information from, but we are talking about https://nhsfleetsolutions.co.uk/ here, that is who our trust uses.
They previously DID do both business lease, where you could only claim 12p per mile, and personal (family lease) via salary sacrifice, but that was at least 8 years ago now.
Edited by garpat32 on Thursday 12th December 10:59
If so, it was a company car and you shouldn’t have charged the trust for any business mileage you may have done at the full rate. It should have been they reduced rate.
This is from the website you linked to, in the FAQ.
Will my tax code change?
Your quotation will show a monthly tax liability which is payable because you will have a ‘company car’.
Company car = reduced ability to claim mileage.
It could be that your trust takes the cost from your net pay, but they clearly don’t always, so people need to be aware. That’s my point.
Edited by Phatbenito on Thursday 12th December 14:54
Phatbenito said:
If you took a salary sacrifice and it came from your gross salary, then you will have paid BIK. Did you pay BIK?
If so, it was a company car and you shouldn’t have charged the trust for any business mileage you may have done at the full rate. It should have been they reduced rate.
This is from the website you linked to, in the FAQ.
Will my tax code change?
Your quotation will show a monthly tax liability which is payable because you will have a ‘company car’.
Company car = reduced ability to claim mileage.
It could be that your trust takes the cost from your net pay, but they clearly don’t always, so people need to be aware. That’s my point.
I have no idea why you are arguing the point. I am telling you from my own personal experience, and many colleagues.If so, it was a company car and you shouldn’t have charged the trust for any business mileage you may have done at the full rate. It should have been they reduced rate.
This is from the website you linked to, in the FAQ.
Will my tax code change?
Your quotation will show a monthly tax liability which is payable because you will have a ‘company car’.
Company car = reduced ability to claim mileage.
It could be that your trust takes the cost from your net pay, but they clearly don’t always, so people need to be aware. That’s my point.
Edited by Phatbenito on Thursday 12th December 14:54
Call them and query it if you want?
They offer salary sacrifice lease deals on a personal basis, and you can claim mileage at the advertised rate. ie 56p mile for first 3500 then down to 20p.
This is agreed by the trust,and the lease company, not just made up rubbish, this is personal experience. It isn't a new thing, they have been doing lease deals for us, and other trusts, for years now, well over the 11 years I have been employed there.
If you think its wrong then I don't know what to say, as that means that a lot of NHS trusts are wrong, as well as hundreds maybe thousands of drivers of the lease cars.
From our trusts advert;
Vehicle Lease Scheme
We operate the NHS Fleet Solutions salary sacrifice scheme.
Irrelevant of your business mileage all staff within NECS are eligible to apply to this scheme providing that deductions from their wages does not reduce their earnings before PAYE etc lower than the national minimum wage.
The vehicle lease scheme is a staff benefit which allows you to acquire a vehicle of your choice at a competitive price through NHS Fleet Solutions. You don't need a deposit and the lease includes insurance, road tax, maintenance and breakdown cover so all you need to do is put fuel in and go.
The buying power of the NHS means that leases can be secured at the most competitive prices and there is also the potential for further savings to you through the use of salary sacrifice.
There are a few rules around eligibility and suitability so please read all the available information carefully to make sure you are able to join and that the scheme will benefit you.
Edited by garpat32 on Thursday 12th December 15:25
garpat32 said:
I have no idea why you are arguing the point. I am telling you from my own personal experience, and many colleagues.
Call them and query it if you want?
They offer salary sacrifice lease deals on a personal basis, and you can claim mileage at the advertised rate. ie 56p mile for first 3500 then down to 20p.
This is agreed by the trust,and the lease company, not just made up rubbish, this is personal experience. It isn't a new thing, they have been doing lease deals for us, and other trusts, for years now, well over the 11 years I have been employed there.
If you think its wrong then I don't know what to say, as that means that a lot of NHS trusts are wrong, as well as hundreds maybe thousands of drivers of the lease cars.
From our trusts advert;
Vehicle Lease Scheme
We operate the NHS Fleet Solutions salary sacrifice scheme.
Irrelevant of your business mileage all staff within NECS are eligible to apply to this scheme providing that deductions from their wages does not reduce their earnings before PAYE etc lower than the national minimum wage.
The vehicle lease scheme is a staff benefit which allows you to acquire a vehicle of your choice at a competitive price through NHS Fleet Solutions. You don't need a deposit and the lease includes insurance, road tax, maintenance and breakdown cover so all you need to do is put fuel in and go.
The buying power of the NHS means that leases can be secured at the most competitive prices and there is also the potential for further savings to you through the use of salary sacrifice.
There are a few rules around eligibility and suitability so please read all the available information carefully to make sure you are able to join and that the scheme will benefit you.
I’m arguing the point because people on here are considering NHS fleet deals against the regular deals on here and they need to be aware of the true cost. Call them and query it if you want?
They offer salary sacrifice lease deals on a personal basis, and you can claim mileage at the advertised rate. ie 56p mile for first 3500 then down to 20p.
This is agreed by the trust,and the lease company, not just made up rubbish, this is personal experience. It isn't a new thing, they have been doing lease deals for us, and other trusts, for years now, well over the 11 years I have been employed there.
If you think its wrong then I don't know what to say, as that means that a lot of NHS trusts are wrong, as well as hundreds maybe thousands of drivers of the lease cars.
From our trusts advert;
Vehicle Lease Scheme
We operate the NHS Fleet Solutions salary sacrifice scheme.
Irrelevant of your business mileage all staff within NECS are eligible to apply to this scheme providing that deductions from their wages does not reduce their earnings before PAYE etc lower than the national minimum wage.
The vehicle lease scheme is a staff benefit which allows you to acquire a vehicle of your choice at a competitive price through NHS Fleet Solutions. You don't need a deposit and the lease includes insurance, road tax, maintenance and breakdown cover so all you need to do is put fuel in and go.
The buying power of the NHS means that leases can be secured at the most competitive prices and there is also the potential for further savings to you through the use of salary sacrifice.
There are a few rules around eligibility and suitability so please read all the available information carefully to make sure you are able to join and that the scheme will benefit you.
Edited by garpat32 on Thursday 12th December 15:25
If they take a gross pay sacrifice they have a company car. They then pay BIK at the appropriate rate and cannot claim any business mileage tax free.
I’ve pointed you specifically to where it says the NHS fleet cars are company cars and the quoting system states the BIK on each deal.
Your employer CAN pay you 56p per mile for the first 3,500 miles if they wish, but you will get taxed on most of it as it isn’t permitted by HMRC for company cars, only personal.
What you’ve managed to claim and what the rules state might not be the same thing.
Not sure why you’ve copied and pasted the text above? None of it supports the argument that your golf wasn’t a company car and you could claim 56p per mile tax free?
Phatbenito said:
Not sure why you’ve copied and pasted the text above? None of it supports the argument that your golf wasn’t a company car and you could claim 56p per mile tax free?
Never said it did? but that is from my employer advertising nhs fleet.Unless you have some real world experience of the feetsolutions deals and how it works then all you are doing is just purely speculating as to what we can and can't claim.
I'd like to think that anyone who is eligible and thinking of taking a lease through them would be speaking to their trust, and also the company to confirm, rather than listen to hearsay.
To add, I claimed mileage at the rates mentioned, this is an agenda for change thing, IE almost everyone employed by the NHS rates, it is set at the top, not agreed locally. Like it or not that is how it works.
The GTE I had was salary sacrifice, around £370 month came out my wage direct, and the amount of PAYE, NI and pension was reduced around £130 in total, then any business miles I claimed were added to my monthly.
Finally getting back to the deal that was first mentioned, its an EV so from April there is 0 (ZERO) BIK to be paid.
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