FAQ

  • The contract includes all costs of finance, maintenance, servicing, tyres, windscreen and glass, comprehensive insurance and full scheme support from Knowles Fleet.

  • In addition:
    • No deposit to pay
    • No credit checks required
    • 24 or 36 monthly payments
    • No arrangement fees
    • No delivery or collection fees
  • The contract does not include fuel, top up fluids if required. This only applies between servicing; if any fluids are refilled as part of the service, it will be included.

  • Although every effort will be made to arrange a courtesy vehicle, the contract does not include a free of charge replacement vehicle in the event of a breakdown or accident.

  • 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. Any additional cost not covered under the contract will be the responsibility of the driver.
  • Cars can only be leased by Sunderland GP Alliance employees.
  • Business mileage can still be claimed in the normal way on a monthly basis.

  • 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 Sunderland GP Alliance reimbursement rates for mileage that are currently in place.
  • You can cancel the agreement within five working days of the date that 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 . They will maintain the scheme website and provide quotations based on Sunderland GP Alliance products.

  • 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 Sunderland GP Alliance.

  • You can get in touch with Knowles Fleet via the ‘Get in touch’ page on the website.
  • This scheme will be open to all existing permanent employees, and all new people on successful completion of their probation period.
  • If you haven’t already done so you will need to create an account by selecting ‘Find my EV’ on the ‘Request a quote’a page and then selecting ‘Login’

  • When you first select ‘request a quote’, you will be prompted to provide your salary details for us to provide you with an accurate quote.

  • You can select from relevant filters to narrow down your vehicle selection before selecting your car from a dropdown menu.

  • Your quote will be produced with just your paint selection in the first instance.

  • 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 the gross salary and tax code (which can be found on your payslip) that 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. It is likely that 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.

  • Below are some factors which could result in a change in savings:

  • Tax Band (excluding personal allowances)

    • Taxable IncomeTax Rate 2020-2021
    Up to £37,50020%
    £37,501 to £150,00040%
    Over £150,000 45%

  • Income tax rate applies to the salary at each band.
  • The car benefit tax detailed within your quotation is for information only; for further details, please seek independent advice.

  • 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
  • e.g. £20,000.00 Salary x 2% CO2 percentage = £400.00 Benefit x 20% tax rate = £80 per annum Car Benefit Tax

  • 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. The HMRC will reduce your tax code by the value of the benefit. This simply means that, if you pay tax at the standard rate, the tax you pay will increase by 20% of the car benefit. When you apply for a quotation, we will calculate the estimated tax charge for you and we will inform the HM Revenue & Customs to adjust your code, if you take a car under the scheme.
  • Quotes are based on the best price available at the time you obtain your quote. Sunderland GP Alliance 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 also 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 if you wish to discuss changing your order on 01206 255420.
  • If you choose to cancel your order a fee may apply. Please contact Knowles Fleet if you wish to discuss cancelling your order on 01206 255420.
  • Unfortunately, there are reasons outside of our control which may cause your price to change. These can include quotes expiring, manufacturer price increases and 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 increase.
  • If you have a vehicle on order and need a temporary vehicle whilst you wait for delivery, Knowles may be able to assist with a lead in car. Please call us on 01206 255420 to discuss.
  • If you would like to discuss getting a home charge point fitted please call Knowles on 01206 255420 and they will provide you with a survey and a quote
  • The government set an advisory electricity rate which can be paid to fully electric vehicles. This rate is currently set at 4p per mile.
  • This can change daily so please call Knowles on 01206 255420 or visit Featured Cars page
  • You can select any cars that are available throughout our dealership network. Most cars are factory orders and will take around 12 - 14 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.
  • All maintenance and servicing will be carried out by our group dealerships, but you can take your car to your nearest garage if you prefer. Sunderland GP Alliance Leasing can be contacted in advance and they will make arrangements and authorise the work on your behalf. They will also arrange for a courtesy car to be available during the repair at your request and subject to availability.
  • The car will be covered at all times for business and private use by our fleet insurance arrangement You are permitted to nominate two additional drivers by contacting Knowles Fleet.

  • A copy of the insurance policy documents are available on the website by selecting the ‘My Car’ option.
  • For more information click the Scheme Policy below:

  • For Scheme Policy click here
  • 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 that 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 lease vehicle. Any payments over and above these rates are subject to Tax and National Insurance deductions.
  • A dedicated charging point at home for an electric vehicle as an alternative to using a 3 pin plug. These usually charge faster than a 3 pin plug.
  • This is the amount you will need to contribute towards the cost of an insurance claim, the remainder is paid by the insurer. If you are not at fault and we make a successful recovery from the from the third party, the excess will be refunded.

  • You will be advised to pay the excess to the bodyshop when you collect the car following repair.
  • The company (Sunderland GP Alliance 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 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 Income Tax, National Insurance, Pension contributions etc. have been calculated.
  • 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.