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Personal Contract Hire Explained

Personal Contract Hire Explained

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PCH, Personal Contract Hire as it will also be known as, is equal to leasing.

It is a fixed term and mileage agreement (pre-determined between customer (YOU) and the Leasing Company) and is available on a number of Nissan, Suzuki and Hyundai models with J Edgar & Son. You will never own the vehicle and you cannot sell the vehicle on.

With PCH you will pay an advance rental - a bit like a deposit and then an agreed number of fixed monthly rental payments including VAT for the hire period you have chosen. Once the agreement comes to the end, you must return the vehicle to the Finance Company/Leasing Agent. There is no option to purchase the vehicle from the Finance Company/Leasing Agent.

Why Choose PCH?

  • Fixed monthly payments
  • Choice of hire period from 2 years onwards, with total mileage up to 120,000 (maximum 40,000 per year)
  • Optional Service Plans available for peace of mind
  • Vehicle Excise Duty (Road Tax) is included for duration of agreement
  • Simply return at the end of hire period, and get a new car
  • No worries about depreciation - it's not your car!

When PCH is not beneficial ?

  • ​If you wish to own or buy a vehicle
  • If you need to change your car early (early repayment on termination of agreement will incur charges)
  • If you would like to shorten the hire period
  • If you do not know what you predicted mileage will be
  • Business purpose - cannot be used a Taxi or Driving School vehicle
  • If planning to use abroad for extended periods

Taking Care of Contract Hire vehicle

You must ensure the vehicle is COMPREHENSIVELY Insured at all times, and it must undergo and Annual Service and be maintained according the manufacturers requirements. At the end of the contract period the vehicle will be assesses by independent assessors as to the conditions of the vehicle based on standards set for fair wear and tear of a car of its age. Refurbishment charges may apply. For more information on this, visit - www.fairwearandtear.co.uk. Any mileage in excess from stipulated in the contract will be charged pro-rata.

Contact Us

If you would like some advice on your options for purchasing a car with J Edgar & Son, Our sales team are available to explain the options available to you. You can contact Rowrah on 01946 861607 or Dunmail Park, Workington on 01900 604393 to make an appointment to discuss your options. You can also use the enquiry function below. A member of our sales team will get back in touch once they have looked into your enquiry.

J Edgar & Son (Rowrah):
J Edgar & Son (Dunmail Park):

J Edgar & Son Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 522916). Automotive Compliance Ltd’s permissions as a Principal Firm allows J Edgar & Son Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only. We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

Regulated Complaints
Post: Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD
Telephone: 01452671560
E-mail: complaints@automotive-compliance.co.uk
If we cannot resolve your complaint within 8 weeks, you may refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is avilable on 0800 023 4567 or 0300 123 9123 or you can visit their website at www.financial-ombudsman.org.uk

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VAT Number - 256494431 | Company Number - 4453967 | FCA Number - 522916

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