By the Car Subscriptions Editorial Team · Updated 8 October 2026
Choosing a car and a term
Providers usually list cars by model or by category, with a monthly price for each available term. Shorter minimum terms generally cost more per month. Stock-based fleets may show only what is available now, so flexibility on colour or trim helps.
Read the full terms, not just the summary. The details that matter most are the minimum term, notice period, mileage allowance, excess mileage rate, deposit, insurance position and the return standard that will be used.
Choose your mileage allowance honestly. Underestimating to get a lower monthly price can be a false economy once excess mileage charges are added at the end.
Checks and paperwork
You will normally be asked for your driving licence details, so the provider can check entitlement and endorsements, plus proof of identity and address. Many providers also assess affordability, using bank statements or open banking.
Credit searches come in two types. A soft search is visible only to you and does not affect lending decisions elsewhere; a hard search is recorded and seen by other lenders. Ask which one applies before you submit an application.
Deposits and upfront payments
Some providers take no deposit, some take a refundable security deposit and some ask for the first month in advance. A refundable deposit is normally returned after the car has been inspected, minus any charges. Ask how long repayment takes and what can be deducted.
Insurance: included or not
Where insurance is included, the provider's policy covers the car and approved drivers. Check the excess you would pay after a claim, the minimum age, the number of drivers and whether business use and foreign travel are covered.
Where it is not included, you will need your own policy before delivery, usually fully comprehensive with the provider noted as owner. Annual policies can be cancelled, though fees may apply; specialist short-term cover exists but tends to cost more per day.
Living with the car
Day to day, you look after the car as a careful owner would: keep it clean, check tyres and warning lights, and book servicing when prompted. Report damage or faults straight away, because some agreements require prompt notice and delays can affect who pays.
At delivery, walk round the car with the driver or handover agent before signing anything. Note every mark on the condition report, check the mileage and fuel or charge level, and confirm which keys, cables and accessories are included.
Mileage is usually tracked against a monthly or pro-rata allowance. Some providers let you buy extra miles during the term at a lower rate than the end-of-term charge, which is worth doing if you can see you will go over.
Giving notice
Notice periods among UK providers range from none on some rolling plans to around a month, with a few weeks being typical. Notice usually runs from the date the provider receives it, so give it in writing and keep confirmation. Returning before the minimum term ends may incur a fee.
Return standards and the final inspection
When the car goes back it is inspected against a return standard. Many UK providers use or adapt the BVRLA fair wear and tear guidelines, which describe what is acceptable for a car of a given age and mileage. Others publish their own standards, which can be stricter.
Typical acceptable items include light scratches that can be polished out and small stone chips. Dents, scuffed alloys, cracked glass, interior stains and missing items such as keys, cables or the parcel shelf are commonly charged.
- Wash and vacuum the car before return
- Remove personal belongings and any dashcam fittings
- Return all keys, charging cables and the locking wheel nut
- Photograph every panel, wheel and the interior in good light
- Ask for a copy of the inspection report and challenge errors promptly
After the car has gone
Final charges, such as excess mileage, fuel or charge level, damage and any outstanding fines, are usually invoiced within a few weeks. If you disagree with a charge, use the provider's complaints process and, where relevant, the BVRLA conciliation service or the Financial Ombudsman Service.
Frequently asked questions
How quickly can I get a subscription car?
If the car is in stock and checks are straightforward, delivery within days is common. Busy periods, specific models or remote locations can take longer.
What counts as fair wear and tear?
It means the normal deterioration expected from careful use for the car's age and mileage. Many providers refer to the BVRLA guidelines; your agreement will say which standard applies.
Can I reduce my mileage allowance mid-term?
Some providers let you change the allowance at renewal points or with notice. Others fix it for the term. Ask before signing if your driving may change.
What if the car breaks down?
Call the breakdown number provided with the car. Repairs from normal use are usually covered under the maintenance package or warranty, while damage from accidents or misuse is handled through insurance.
Do I need to return the car with a full tank or charge?
Many agreements ask for a similar level to collection, or charge for refuelling. Check the return section of your contract.
Is my deposit protected?
Deposit handling depends on the provider. Ask whether it is refundable, when it is repaid and what can be deducted, and keep copies of all payment records.