The Car Lease Guide
By
Howard Mostyn
A Plain English Guide to Car Leasing for Business &
Personal Users
http://www.car-lease-guide.com
~ Everything you need to know about Car & Van Leasing ~
Learn
how to GREATLY REDUCE your Vehicle Leasing costs!
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Legal and Copyright Information
The information and material contained in this eBook is for informational purposes only. Any legal or financial advice I give is based on my personal experiences, research and opinions. I am not a lawyer, accountant or financial advisor. Purchasers or readers of this publication should assume full responsibility in deciding whether vehicle leasing is right for them and, if they determine that it is, should consider taking professional advice.
While every attempt has been made to verify the information contained in this publication, neither the Publisher nor the Author assumes any responsibility for errors, omissions or mis-interpretation of any of the information enclosed.
This publication is intended purely as a guide and I cannot guarantee any results you may or may not experience as a result of following the recommendations or suggestions contained herein. It is not intended for use as a source of legal, accounting or business advice.
You are entering into a legally binding contract when you sign up for a vehicle lease. Make sure you read the small print contained in any such contract that you may be asked to sign.
This publication or part thereof may not be re-printed, reproduced or distributed in electronic, print, web or any other format without express written permission from the Publisher. Requests for permission or further information should be addressed to the Publisher.
Published by Greystone Finance.
Email:
info@greystonefinance.com
Copyright
2011 Howard Mostyn. All Rights Reserved.
Smashwords Edition License Notes:
This eBook is licensed for your personal enjoyment only. This eBook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.
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Table of Contents
Chapter 1: Introduction
Chapter 2: Understanding Car Leasing
2a: What Is Car Leasing?
2b: How Does Car Leasing Work?
Chapter 3: How To Lease A Car In 6 Easy Steps
3a: Choosing Your Funding Method
3b: Choosing Your Vehicle
3c: Getting Approved For Credit
3d: Ordering The Vehicle
3e: The Car Leasing Agreement
3f: Delivery Of Your New Vehicle
Chapter 4: Car Leasing vs Buying
4a: Should I Lease Or Buy My Next New Vehicle?
4b: Car Leasing Checklist
Chapter 5: Benefits Of Car Leasing
5a: The Main Benefits
5b: Additional Car Leasing Benefits For Businesses
5c: Disadvantages Of Car Leasing
Chapter 6: How To Save Money On Your Next Lease Car
6a: Make Sure You Are Comparing Like-for-Like Quotes
6b: The Best Time To Lease A Car
6c: Should I Use A Car Leasing Broker Or Main Dealer?
Chapter 7: Car Leasing Options
7a: Business Car Leasing
7b: Personal Car Leasing
7c: Business or Personal - Which Should I Choose?
7d: Company Car Or Company Car Allowance?
Chapter 8: Types Of Leasing Contracts
8a: Business Contract Hire
8b: Business Contract Purchase
8c: Finance Lease
8d: Lease Purchase
8e: Sale & Leaseback
8f: Personal Contract Hire (PCH)
8g: Personal Contract Purchase (PCP)
Chapter 9: Company Car Tax (Benefit In Kind)
9a: How Does Company Car Tax work?
9b: What Affects How Much Tax You Pay?
9c: Co2 Emissions And ‘Green Cars’
9d: What Exactly Are Green Cars?
9e: Benefits Of Driving A Green Car
Chapter 10: Maintenance Contracts
10a: What Are Maintenance Contracts?
10b: Benefits Of Adding Maintenance To A Lease Contract
Chapter 11: Leasing Services For Businesses
11a: Fleet Management
11b: Accident Management
11c: Fuel Cards
Chapter 12: An Employer’s Duty Of Care Responsibility
12a: What Is Duty Of Care?
12b: Duty Of Care And Employee-Owned Vehicles
12c: Duty Of Care Policy
Chapter 13: Car Leasing Insurance
13a: Car Leasing Insurance
13b: Gap Insurance
13c: Credit Protection Insurance
Chapter 14: End Of Contract Options
14a: What Are End Of Contract Options?
14b: Contract Hire End Of Lease Options
14c: Contract Purchase End Of Lease Options
14d: Extending Lease Contracts
14e: Option To Purchase
14f: Handing The Vehicle Back
Chapter 15: Fair Wear & Tear And De-Hire Charges
15a: What Is Fair Wear & Tear?
15b: What Are De-Hire Charges?
15c: How To Avoid Paying De-Hire charges
Chapter 16: The Car Leasing Contract
16a: The Terms Of The Contract
16b: Your Responsibilities
16c: What You Can & Can’t Do With Your Lease Car
16d: Early Termination
Chapter 17: Obtaining Car Lease Finance
17a: The Process
17b: The Finance Proposal Form
17c: The Supporting Documentation
17d: The Credit Check
17e: What If Car Credit Is Refused?
17f: Credit Reference Agencies
Chapter 18: Short Term Rental
18a: What Is Short Term Rental?
18b: Why Choose Short Term Rental?
18c: Benefits Of Short Term Rentals
Chapter 19: Glossary Of Car Leasing Terms
Chapter 20: Car Leasing Frequently Asked Questions (FAQs)
20a: Car Leasing vs Buying
20b: The Vehicle Leasing Contract
20c: The Lease Vehicle
20d: Servicing & Maintenance For Lease Vehicles
20e: Car Leasing Insurance & Road Fund Licence
20f: End Of Contract Options
20g: Company Car Tax, VAT & Legal Issues
20h: The Credit Application
Chapter 21: About The Author
Chapter 22: Special Bonus Reports
22a: Report #1 - How To Get Out Of Your Car Lease Contract
22b: Report #2 - How To Lease A Car If You Have Bad Credit
22c: Report #3 - Top 10 Things To Look For When Choosing A Car Leasing Broker
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Chapter 1: Introduction
Welcome to the Car Lease Guide
First of all, I’d like to thank you for purchasing this eBook, and I sincerely hope that you find lots of helpful tips and advice that enable you to gain a better understanding of how Car Leasing works and whether it is right for you. The bonus is that, armed with this new-found knowledge, you may be able to save a significant amount on your next car lease!
Over the past twenty years, Car Leasing has grown from being a new alternative for large businesses to acquire their fleets of company vehicles, to a mainstream cost-effective and tax efficient way to finance a new car or van for both personal and business users.
Whether you are looking for one car or a fleet of vans, there are many advantages to leasing compared to purchasing your vehicles.
Why I wrote this eBook
As a Vehicle Leasing Consultant (http://www.business-contract-hire.co.uk), I am constantly asked for help and advice about Car Leasing, and it became very clear to me that many people had the same questions that they wanted answering.
This book gives me the opportunity to explain all the main aspects of Vehicle Leasing to anyone interested in finding out more about the subject, or wishing to gain a better understanding of how leasing works.
What this eBook contains
Here you will find everything from the basics of how (and when) to lease a car and choosing the right broker, right through to the slightly more complicated stuff like contracts and tax implications.
It’s meant more as a reference work which you can dip into any time you like to find out about a particular topic, rather than a book to be read from cover to cover.
Who is this eBook for?
Whether you are a business or personal user, this eBook is for you if you want to learn more about Car or Van Leasing as an alternative to buying your next vehicle, or simply want to save money on your next lease.
You may be checking out Car Leasing for the first time and want to know how it all works, what its benefits are, the different types of contracts available, what the tax implications are, or whether a company car or car allowance is the best choice for you.
Or you may be already leasing and need more knowledge to help you make the best decisions and get the best value for your business.
Please remember - that a vehicle leasing contract is a legally binding agreement and you should seek professional advice before entering into any such agreement.
How this book can help you
In writing this Guide, I hope that the knowledge you gain from reading it will help you choose the type of leasing contract that is best for you, and will enable you to negotiate the deal to your advantage. This should protect you from being ripped off by unscrupulous brokers or dealers.
In addition, I show you how to pay less tax on your company vehicle, and how you can save money on de-hire charges at the end of the contract.
You could make significant savings on your next lease (and future leases), worth many times the cost of this eBook.
Howard
Mostyn
The Car Lease Guide
http://www.car-lease-guide.com
P.S. If at any point while you’re reading this Guide you have any questions, please don’t hesitate to contact me. Even if you don’t have any questions, I’d love to hear from you with any comments - good or bad.
You can email me at info@greystonefinance.com.
P.P.S. I have spent a lot of time and effort creating this eBook, and I would appreciate it if you would respect me and not share or distribute the eBook to anyone else without my permission. Thank you.
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