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7th Apr 2020 - We supply all makes and models at competitive prices on contract hire - please contact us with your requirements

Personal Contract Hire

As the name suggests Personal Contract Hire (also known as personal leasing) is simply contract hire but for individuals

Personal Contract Hire (PCH) or Leasing is based on a fixed term contract, where you the customer pay an agreed monthly charge for the use of a vehicle for an agreed period.


  • Flexible initial payment
  • Fixed term contract
  • Fixed mileage contract
  • Fixed cost motoring
  • Flexible profiles to suit you
  • You only pay for the use of the vehicle
  • At the end of your contract simply hand the vehicle back
  • Option of including maintenance with the contract
  • No depreciation or disposal risk


  • Vehicle must be returned in a well maintained condition
  • Early termination can be expensive
  • You must have fully comprehensive vehicle insurance
  • You will never own the vehicle

More Information on Personal Contract Hire or Leasing:

The benefits to the customer include removing the financial risk associated with disposing of a vehicle. Contracts are usually taken over two, three or four years, providing a high level of flexibility. Some contracts can be formally extended beyond the end of contract date if required; all you need to do is ask and we'll answer any questions you may have.

PCH is very similar to Business Contract Hire; both are based on a fixed annual mileage agreed at the beginning of a contract. You will need to decide how many miles you drive each year before we can provide you with an accurate quote. Once you have stated how many miles you drive in a year and considered which vehicle you would like to lease, a quote can be created for you by one of our sales team.

Regulations, with regards to making mileage amendments after contracts are live, vary from funder to funder so it is always better to be as accurate as you can. If you do exceed the agreed allowance, at the end of your contract you will pay an excess mileage charge, which will have been agreed upon prior to signing the finance agreement. Please remember this when deciding upon your annual mileage.

If you are looking to have predictable motoring costs, adding maintenance to your monthly payment is easy. Maintenance is there to put your mind at rest should any challenges arise with your vehicle and generally covers servicing, routine maintenance, tyres, exhausts and batteries.

Please note that it is the responsibility of the person named on the finance agreement to arrange and pay for fully comprehensive insurance for the vehicle. It is important that the vehicle is returned in accordance with the guidelines set out in the 'Fair Wear and Tear Guide', a copy of which is made available to customers when they are near the end of their PCH agreement.

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