Personal Contract Hire

What is Personal Contract Hire?

Car and Van Personal Contract Hire

Like Business Contract Hire (BCH), Personal Contract Hire (PCH) involves leasing a car or van for an agreed period of time at a fixed monthly cost. For private individuals that means cost effective, flexible motoring.

The main difference between PCH and BCH is that the vehicle is funded by the individual rather than the business. As a result, the vehicle is not subject to Benefit in Kind tax.

All servicing and maintenance can be provided – giving you peace-of-mind that everything is running smoothly with no unpredictable costs.


  • A comprehensive vehicle management package including (if selected) all servicing and maintenance
  • Flexible term and mileage options, tailored to your needs
  • Complete support and guidance throughout your time with us


Perfect for busy professionals, Personal Contract Hire is a simple and easy process designed to save you valuable time:

  • Choose your vehicle from our extensive online database
  • Agree your contract term and mileage. Maintenance including tyres and servicing can easily be added as an option
  • An appropriate fixed monthly payment amount is confirmed for the duration of the term
  • Your car will be delivered via an approved local dealer
  • At the end of your term, you simply return your vehicle to us. The vehicle should be returned to us in a condition that meets the BVRLA 'Fair wear and tear' guidelines, otherwise charges may be incurred. Fair wear and tear guidelines can be found here. You can then apply for a new vehicle with us


You choose the manufacturer and model of car that you want, and we purchase it and can also manage and maintain it for you – it's very straightforward. All you do is pay one fixed monthly fee – keeping your costs low and predictable.

  • Hassle-free motoring – we do the legwork for you
  • Flexible payment structure – from 2 - 4 years
  • Running costs e.g. Maintenance tyres and servicing, can be included for easier budgeting
  • No risk of unexpected vehicle depreciation
  • The vehicle is not subject to Benefit in Kind tax
  • PCH gives you fixed cost motoring


The following do not fit the profile of intended customers for our Target Market:

  • Customers that have a volatile or uncertain monthly income so may not be able to afford the monthly rental or that are severely credit impaired.
  • Customers who have concerns about their ability to afford the monthly rental or that anticipate a change of circumstances that may impact on their ability to afford the monthly rental over the term of the agreement.
  • Customers that do not wish to be subject to a mileage allowance or that do not want to incur the potential risk of excess mileage or damage charges when they return the vehicle.
  • Customers seeking to acquire a vehicle for short term use.
  • Customers that do not intend to continue with the agreement for the minimum rental period due to the costs associated with early termination (typically 50% of remaining rentals) unless the customer is able to afford the termination.
  • Customers unable to afford additional costs associated with running the vehicle such as motor insurance, ongoing costs of maintaining the vehicle (unless covered by the optional maintenance package) and fuel costs.
  • Customers that do not wish to arrange their own motor insurance.
  • Customers that wish to take the vehicle abroad for a prolonged period of time.
  • Customers who are aged under 21 or over 80
  • Customers who wish to buy or own the vehicle
  • Customers who wish to use the vehicle for sub-hire purposes (such as taxi, private hire or chauffeuring)
  • Customers who wish to use the vehicle for driving instruction
  • Customers who wish to use the vehicle for Rallying
  • Customers who incur large volumes of Penalty Charge Notices
  • Customers who are not based in the UK
  • Customers who are in an insolvency arrangement