FAQ

  • The contract includes all costs of finance, maintenance, servicing, tyres, windscreen and glass, plus comprehensive insurance for you and up to two additional drivers (subject to terms and conditions), along with full support from Knowles Fleet who administer the scheme on behalf of Lookers Leasing.

  • Also included within the scheme:

    • Zero deposit
    • No credit checks
    • 24 or 36 monthly payments
    • No arrangement fees
    • No delivery / collection fees (unless vehicles are being delivered from NI to Mainland and vice-versa. A fixed payment of £300 applies in all cases and is to be paid to Lookers Leasing separately to the lease agreement payments as a one-off sum).
  • The contract does not include fuel for private use or top up fluids if required. This only applies between servicing; if any fluids are refilled as part of the service, they will be included.

  • Although every effort will be made to arrange a replacement vehicle, the contract does not include a free of charge replacement vehicle in the event of a breakdown or accident. A relief vehicle is available at an additional cost on request from the quote team, this must be requested before your vehicle is ordered and cannot be added to the contract later.

  • The contract does not cover damage caused to the vehicle by incorrect driving style, failure to follow the instructions published in the manufacturer’s handbook or impact damage, nor does it cover scratches, wheel scuffs or interior damage that are deemed not to be fair wear and tear. Any additional cost not covered under the contract will be the responsibility of the driver.
  • Cars can only be leased by Lookers employees. Lookers' employees can add their spouse or partner's details for the insurance at the point of pre-quote qualification questions within the Lookers Scheme Portal.
  • Lookers employees can lease a maximum of 2 cars across all available car schemes inclusive of the Lookers CBS scheme (where this is not a company car).
  • Business mileage can still be claimed in the normal way monthly.
  • The quote provided will show an estimated monthly business mileage reimbursement that you will be entitled to after processing your monthly mileage claim. The amount shown is based on the estimated annual mileage that is entered and the Lookers reimbursement rates for mileage that are currently in place.
  • You can cancel the agreement within five working days of the date you signed your agreement without liability or fee. Any cancellation after this period may result in you being liable for a cancellation fee.
  • Knowles Fleet is an independent company providing specialist salary sacrifice scheme administration services. They will maintain the scheme portal and provide quotations based on Lookers brands.

  • Any questions that you have regarding the scheme quotes, application and orders should be addressed to Knowles Fleet by phone, email, or online chat. Knowles will also manage the payroll adjustments and tax reporting and they will continue to provide support throughout the contract. All quotations, terms & conditions, and all documentation has been approved by Lookers.

  • You can get in touch with Knowles Fleet via the ‘Get in touch’ page on the scheme website.
  • Lookers Leasing provide the supply of vehicles and the funding for the scheme to operate, they also have ownership of the vehicles at the end of term.
  • Please see the Lookers Car Salary Sacrifice Criteria document for more information.
  • The registered keeper of the vehicle is Lookers Leasing. Knowles Fleet will administer incoming paperwork for driver details when being demanded by an appropriate authority for traffic offences, parking fines, etc. These will be passed onto the person whom the salary sacrifice contract is with enabling them to provide the correct driver information.
  • The full list of available cars on the scheme can be accessed through the Knowledge Library or via SharePoint.
  • If your circumstances change due to a life event and you wish to discuss your Car Salary Sacrifice lease terms and conditions, please contact colleaguebenefits@lookers.co.uk
  • If a change in circumstances or where variable pay results in the payment taking you below the NMW, we are not able to make the deduction via salary sacrifice arrangement and the payment will be made via the NET salary deduction method. Please note that if the payment for the vehicle cannot be recovered by way of a salary sacrifice then the cost may be considerably higher.
  • Please ensure you read the Car Salary Sacrifice Criteria document before requesting a quote as you will be required to gather some information before applying.

  • Then, you’ll need to create an account on the Lookers Scheme Portal and follow the steps on the Salary Sacrifice Account Set Up document.

  • Your quote will be produced with just your paint selection in the first instance, extras can be added later, please speak with Knowles Fleet for details.

  • After the first quote is displayed you can amend the quote to include accessories or adjust the mileage etc.

  • You will have the option to save any quotes which you can then return to at any time.
  • The quote provided is based on your gross salary and tax code you provided at the time of the quote; if your salary or any other aspect of your pay changes, there will be a direct impact on the savings calculated. Please note, if your pay changes and deductions would result in your pay falling below the NMW then a NET deduction will take place and no savings will be made.

  • It’s likely your sacrifice savings will change throughout the term of agreement due to pay point increments, promotion, changes in working hours and inflationary pay awards etc. Because of this, the savings displayed on the quote are only indicative and are not guaranteed.

  • There are some factors which could result in a change in savings. This includes your Tax Band (excluding personal allowances). Information on the tax bandings relevant to your location, can be found below:

  • https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2023-to-2024
  • HMRC have set the level of "benefit in kind" (BIK) paid to reflect CO2 output, the lower the CO2 the less BIK payable, this currently starts @ approx. 8% for Hybrid Vehicles with an Electric Range

  • Please find below a link that you can use to find out the percentage the Benefit in kind is worked out on for the chosen vehicle.

  • https://www.gov.uk/guidance/company-car-benefit-the-appropriate-percentage-480-appendix-2
  • Yes, you will have to pay car benefit tax, this is also known as ‘Benefit in Kind’. The car benefit tax detailed within your quotation is for information only; for further details, please seek independent advice. As all individual circumstances are different, please be aware this “Benefit” can impact other benefits you may be in receipt of. Child Maintenance Payments can be affected, as this benefit is classed as additional earnings in the CMS formatting of working out income.

  • If you receive a salary from your employment, you pay income tax through the PAYE system. If you receive goods or other non-cash items, you are receiving a "benefit in kind" which is taxable. A car that is provided by your employer through salary sacrifice is classified by the HMRC as non-cash income. The "benefit in kind" value of the car is calculated by multiplying the list price of the car by the CO2 percentage.

  • Each year HMRC publish a table of emission values that equate to a CO2 percentage figure. The percentage applicable to your car will update each year and this will amend the amount of tax you pay. An estimate of each year’s tax is detailed on your quote.

  • Payments made by salary sacrifice are a salary swap and not payments for the private use of the car. Therefore, the tax calculation is based on the greater of the List price x CO2 % or the Annual Sacrifice, for example:

  • PHEV example:

  • £20,000.00 List Price x 8% CO2 percentage = £1600.00 Benefit x 20% tax rate = £320 per annum Car Benefit Tax

  • ICE (Diesel) example:

  • £20,000.00 List Price x 20% CO2 percentage = £4000.00 Benefit x 20% tax rate = £800 per annum Car Benefit Tax

  • You can calculate the P11D amount at the link below:

  • http://cccfcalculator.hmrc.gov.uk/CCF0.aspx
  • No, it is a separate payment to the HMRC.
  • The tax is collected through the PAYE system via an adjustment to your personal tax code. HMRC will reduce your tax code by the value of the benefit. This simply means, if you pay tax at the standard rate, the tax you pay will increase by 20% of the car benefit.

  • Once you have taken delivery of the vehicle, Knowles/P11D Enquiries will inform HMRC of the vehicle and you should receive a change in tax code. We would also advise you to set up a Government Gateway account. Whilst there are steps within this process that will notify HMRC of this vehicle, you, as the driver are responsible for ensuring HMRC have up to date information about your circumstances. It is important that you also make contact when you take delivery of the vehicle and update HMRC with all vehicle details.
  • This will instigate you to receive an annual P11D which will be submitted to HMRC by Lookers.
  • Quotes are based on the best price available at the time you obtain your quote.

  • Lookers Leasing update their prices on a regular basis. As our website is constantly obtaining live prices, quotes can change from one day to the next. However, if you save the quotes, they are valid for 21 days meaning you can benefit from the best price, although these are subject to change in the event of any differences in supply costs, interest rates, government grants or legislation outside our control.

  • Quotations are based on your own personal circumstances and mileage. These may differ to your colleagues and will result in a different price.
  • Please contact Knowles Fleet on 01206 255420 if you wish to discuss changing your order.
  • If you choose to cancel your order a fee may apply. Please contact Knowles Fleet on 01206 255420 if you wish to discuss cancelling your order.
  • Unfortunately, there are reasons outside of our control which may cause your price to change. These can include quotes expiring, manufacturer price increases, legislative changes. We will endeavour to source a new price as close to your original cost as possible and we will contact you to discuss the change.
  • Unfortunately, we wouldn’t be able to provide a temporary vehicle whilst awaiting delivery on an order.
  • All enquiries regarding quotations, lead times, tax implications etc should made on 01206 255420 or quotes@knowlesfleet.com

  • Any Escalations beyond that with regards to account management issues.

    Contact: Cath Burgess
    Position: Senior Account Manager
    Phone: 07908 000714
    Email: cath.burgess@lookersleasing.co.uk
  • You can select from a range of vehicles that are available throughout the Lookers dealership network. Most cars are factory orders and will take around 18-20 weeks from order to delivery, although some vehicles may take longer so, please take this into account when you make your choice.
  • We will contact you once your vehicle arrives in stock to make delivery arrangements. Vehicles can be delivered to a UK mainland address of your choice on a weekday. Alternatively, you can collect the vehicle from our dealership if it is more convenient.
  • Where possible, all maintenance and servicing should be carried out at a Lookers Group dealership. However, where distance to the nearest Lookers dealership is significant, then you can take the vehicle to a non-Lookers dealer. If you have any questions, please contact a member of the Lookers Leasing Maintenance Team.

  • Tip – Check out this BVRLA Fair Wear & Tear Guide for information on how to look after a leased car.
  • The car will be covered at all times for business and private use. You are permitted to nominate two additional drivers by contacting Knowles Fleet.
  • As the vehicle is a Lookers Leasing’s asset, you (the driver) will require a VE103a to take the vehicle abroad. Details on how to obtain a VE103A and other aspects of foreign travel can be found in the Driver Information Guide provided with the car or by contacting Lookers Leasing.
  • Any journey undertaken by you on behalf of the Company, such as meetings, courses etc.
  • A tax imposed by the HMRC when a vehicle is provided by your employer for private use
  • The process of ending your lease car contract before it’s natural end date
  • The amount of Carbon Dioxide a vehicle emits expressed in grams per kilometre
  • A motor insurance green card is a document produced by car insurers to prove a driver has adequate insurance cover for driving abroad.
  • Your pay before any deductions such as Tax, National Insurance and Pension Contributions
  • Her Majesty’s Revenue and Customs
  • Rates set by the HMRC which you can be paid tax free for business mileage undertaken in your private vehicle, any payments over and above these rates are subject to Tax and National Insurance deductions.
  • This is the amount you will need to contribute towards the cost of an insurance claim, the remainder is paid by the insurer.
  • The company (Lookers Leasing) that owns your lease vehicle.
  • Ministry of Transport test is an annual test for most UK road vehicles over three years old that tests the safety, roadworthiness, and exhaust emissions of a vehicle.
  • Pay as you Earn – a system where your employer calculates deductions from your (Tax and National Insurance) and pays this directly to the government.
  • Any journey completed in your workday which does not fall under the definition of a business journey i.e., commuting. Any journey completed in your own time.
  • Real Driving Emissions - All new cars sold in the UK and Europe must undergo rigorous emissions testing. Emission testing is normally conducted under lab conditions however, RDE is a test which is used by the manufacturers to test the emissions a car produces under real driving conditions. From September 2019 it has been mandatory for all vehicles to be put through the RDE test.
  • A payment method taken from your gross pay before deductions for Tax, National Insurance, Pension contributions etc have been calculated.
  • A payment method taken from your net pay after deduction for Tax, National Insurance, Pension contributions, therefore no savings are made.
  • A set of maintenance tasks conducted at specific time intervals or after the vehicle has travelled a certain number of miles. The intervals are specified by the manufacturer and some modern cars display the due date for the next service electronically on the instrument panel.
  • Vehicle on Hire certificate - Proof of permission to take your vehicle abroad.