01563 521133 info@gmpdrivercare.co.uk

FAQs

How Long is a car lease?

The lease is over 3 years to generate the optimum level of savings.

What happens when I return my vehicle early?

If you decide to return your vehicle before the end of the lease, you will be subject to a early termination fee that will vary depending on how long is left on your lease.

Can I have a list of available cars and prices?

All of our schemes are ‘user chooser’ schemes, which means that you can have any electric or ultra low emission vehicles (up to 75g /km CO2 emissions). There is no set price list; all quotes must be provided individually from an application form, which must be authorised by your employer. All prices are discounted through our scheme and so dealer offers do not apply.

What does my quote include?

All quotes include Road Fund Licences, MOT's, servicing, maintenance, replacement tyres, windscreen damage, fully comprehensive insurance, breakdown cover and private use of the car. The insurance covers you for business use for this employer only.

What are tax benefits of salary sacrifice?

the amount you pay for the vehicle is deducted from your salary before tax and national insurance contributions are calculated therefore reducing the amount you pay. You will however be liable for a Benefit in Kind charge which is lower for electric and ultra low emission vehicles. More information on benefit in kind is given below.

Do I have to pay Benefit In Kind Tax (BIK, Company Car Tax)?

A vehicle supplied by your employer which is also used for personal use is a benefit in kind (see previous answer) and HMRC will reduce the employees tax code to recover the value of the benefit in kind.

What happens if I go over my allocated mileage??

The lease companies vary with charges per mile. As a general rule you can expect up to 15p per mile for Electric and 20p per mile for Hybrid. If you would like more information or advice on excess mileage charges please contact the team..

What does salary sacrifice mean for my pension?

The amount you pay for the vehicle is deducted from your gross salary prior to pension contributions, this will mean your percentage pension contribution is now calculated against the lesser value, you are paying slightly less into your pension pot. Staff who joined the pension scheme before 2012 and who have part of their pension based on final salary need to be aware that their final salary may be reduced by a salary sacrifice scheme. We recommended staff seeking independent financial advice on how this might impact their pension.

Do I get reimbursed the business miles that I travel?

Yes, you will need to submit a claim to your employer so that they can refund you these costs. The reimbursement rate is stated in your employer’s travel policy.

Are there any temporary cars available to use if I have no transport while I am waiting for my new lease car to arrive?

Yes, please use the live chat function on this portal or call GMP Drivercare at 0330 100 4910 – Option 2-2 and we can discuss pool car or lead-in car options with you. Alternatively you can send us an email at info@gmpdrivercare.co.uk

Will I get induction training on my new vehicle when it is delivered?

When you take delivery of your new vehicle, we expect the delivery drivers to show you the vehicle’s controls. We would ask you to read through the vehicle’s handbook as soon as possible following delivery to familiarise yourself with your new vehicle. If you have any queries regarding any controls please call into your local dealer who will be able to advise you, alternatively you can call GMP Drivercare (0330 100 4910 – Option 2 – 2) for help.

Should I have a copy of my insurance certificate?

Yes, please contact us via your work email where you need to mention your Vehicle Registration and name, please send it to fleet@gmpdrivercare.co.uk. After verification, you will be sent the insurance certificate.

Can any of my friends or family drive my car?

Yes, but we first need to verify their driving licence due to duty of care. We will then provide you with a letter confirming that they are insured to drive. GMP charge a small administration fee, please refer to scheme policy for eligibility criteria. Please note the scheme is only available to two additional drivers who are over the age of 21 and hold a full licence.

What happens if my salary falls below the national minimum wage?

The portal will only select vehicles that are above your national living wage. At the order confirmation stage, you will sign a declaration stating you will not fall below the national living wage. Failure to comply will result in a breach of contract and subject to cancellation costs.

Can I join the scheme on an EU license.

Yes, You need to be a resident in the UK for more than 12months and hold a valid EU license. You will be required to provide a copy of your license and sign a declaration it is valid.

Do I have to inform anyone if I am convicted of a driving offence?

Yes, GMP Drivercare will need to know to ensure your details are kept up to date on our system.

Can I take my lease vehicle abroad?

Yes (subject to the scheme policy) but you will need to contact your leasing company to gain authority for this. You must notify them approximately 2 weeks prior to the date of travel so they can provide you with the travel documents required. Also check whether the leasing company’s breakdown cover applies abroad. If not, a supplementary charge will apply.

What do I do if I find damage to my windscreen?

Report this to the National Windscreens on 01173042030 using reference BN5377. The contact details are also provided to you when your vehicle is delivered. You will need to quote your registration number and policyholder (employer name) when booking in the repairs.

Am I expected to be able to change a tyre?

Yes, it is extremely important that you are able to change a tyre, as driving on flat tyres will damage the wheels, which will result in a costly replacement bill.

What do I do if one of the tyre is punctured?

Your leasing company will pay for replacement tyres/repairs as long as the cause is not due to driver negligence, vandalism or accident damage. They will have a preferred tyre supplier to use for this and the contact details are provided to you when your vehicle is delivered. Alternatively, you will also find these details within your members area on this website (My Account -> Contact Numbers). You will need to quote your registration number and leasing company when booking in the repairs.

What do I do if I need to book in a service?

As a lease car driver you have a responsibility to ensure that your vehicle is serviced in accordance with manufacturer’s guidelines. Please check your vehicle handbook to confirm when your vehicle needs servicing. You can use any approved repairer that uses the lease company authorisation online system. You will need to quote your leasing company when booking in the service with the repairer and confirm if you will require a courtesy car (free of charge and subject to availability) at the time of booking. Your insurance will cover you fully for this use (and any named drivers previously authorised to drive your lease vehicle), alternatively you are able to book services and MOT’s online by visiting http://www.gmpautocare.com/ .

Am I responsible for all routine maintenance?

Yes, you are responsible for ensuring that your vehicle is roadworthy at all times, this includes regular checking of tyre pressures, coolant and oil levels.

Am I responsible for arranging an MOT test?

You will need to arrange for an MOT test on your vehicle prior to the third anniversary of its registration date, even if the vehicle is being returned to the lease company. The lease company will cover the cost; however you will need to ensure that you take it to a reputable MOT Testing Dealer who has an account with the lease company, alternatively you can book an MOT test online by visiting http://www.gmpautocare.com/ .

What do I do if I need to book an MOT / Maintenance to my vehicle?

You will need to use a franchised dealer applicable to your car, (i.e. Ford to Ford dealer, Peugeot to Peugeot dealer), alternatively you can book an MOT test online by visiting http://www.gmpautocare.com/. You will also need to quote your leasing company when booking in the work and confirm whether you require a courtesy car.

What do I do if my vehicle breaks down?

Your leasing company will cover the cost of recovery but not all leasing companies will provide you with a hire car free of charge. In the first instance, notify your leasing company of the situation and arrange to be recovered. The contact details are provided to you when your vehicle is delivered. Alternatively, you will also find these details by logging in to www.gmpdrivercare.com then clicking on My Account→Contact Numbers. You will need to request a courtesy car from the garage that you are towed to and notify them of your leasing company. If a courtesy car is unavailable then please call GMP Drivercare to arrange a hire car. Do not use a hire car from the leasing company unless they confirm it is totally free of charge. GMP may need the details of your budget manager to gain authority to issue you with a hire car, as this will be an additional cost to their budget. Delivery can be arranged within 8 hours of order to any address. Please note that if the fault is found to be caused by damage, negligence or the vehicle not being maintained to the manufacturers schedule the leasing company will not pay for the repair. If the fault was caused by accident damage and the vehicle is undriveable/unroadworthy the vehicle will need to be recovered to one of GMP’s network of accident repair centres and an insurance claim will need to be submitted (see below for further information).

What do I do if I have had an accident?

In all cases call our 24 hour Accident Reporting Line on 0330 1004910 Option 1. You will be asked for all details regarding the incident and subsequently you will be advised which garage will complete the repairs. If the damage isn’t severe then you can delay completing the repairs until convenient but not if a third party is involved. Any incident involving a third party must be reported to the insurance company within 48 hours, where possible. All of our approved repairers can recover your vehicle if necessary and will provide you with a courtesy car.

What do I do if I think I am exceeding my contracted mileage?

Please contact GMP and we will discuss the best option for you. If the excess is 3000 miles per annum or more then we will request an amended quote from the leasing company to amend your contracted mileage. If it is less than this then the leasing company won’t amend the contract, instead we will calculate what the excess mileage charge will be and you may have the option of spreading the cost of this over multiple months prior to the end of your lease.

Can I use my mobile phone via Bluetooth or a handsfree kit whilst driving?

You should refer to your employer’s Terms and Conditions as to whether your employer permits this, however we do not recommend using a mobile phone even with hands free or bluetooth facilities whilst driving your vehicle.

Who decides if I am competent to drive?

If you have any medical condition which requires a Doctor’s note stating you are able to drive, then we need to be informed and have a copy of the letter from your Doctor for our files. We need to be informed of the development of any medical conditions which might affect your ability to drive as soon as possible. If you are unsure, then we recommend that you check with your Occupational Health Department or HR Department for advice.

Can I smoke in my lease vehicle?

If you are using the vehicle for business use, then the vehicle is covered by legislation under health and safety regulations, and you must not smoke, or allow any passenger to smoke in the vehicle.

What about vehicle security/parking/security of my equipment?

It is your responsibility to ensure that wherever possible you park your vehicle legally, safely and in a secure location, ensuring that any equipment, personal possessions or valuables are either removed from the vehicle or placed in the boot out of sight.

Who pays if I get a speeding fine/parking penalty?

The Driver is responsible for any fines relating to road traffic/parking offences and they must notify GMP if they are going to appeal the offence. If the driver fails to pay the road traffic / parking offence GMP and /or the leasing company will charge a small admin fee and pay the penalty to prevent the debt escalating and going into debt recovery. NHS Ayrshire and Arran policy document provides further details on speeding fines and parking penalties.

Can I buy my vehicle at the end of its lease?

Yes, please contact GMP 6 weeks prior to the end of your lease and provide us with your odometer reading, and we can provide a price to purchase. Any of your friends and family may also purchase your vehicle.

What do I need to do when I return my vehicle at the end of the contract?

You will need to ensure that the vehicle is in a clean and roadworthy condition. Any damage, such as dents and alloy wheel scuffs should be rectified; otherwise you are likely to be recharged for this damage by your lease company. You will also need to ensure that your vehicle has had its MOT, that service books/handbooks are in the vehicle, and that you have the spare key to handover to the Collection Agents. Recharges will be made where spare keys/service books are missing and need to be replaced.

Which emissions standard is my car (ULEZ Zones)?

This information can usually be found within the website of the ULEZ Zone that you intend to travel in to, however, there are other websites where this information can be found such as http://eurostandards.co.uk/ (please note that GMP are not responsible for the information contained within this website).