What Type Of Insurance Do I Need On A Lease Car?


When you lease a car the insurance for the vehicle is your responsibility and not included in the monthly payments.

The same as if you bought a car outright, your brand new lease car needs to be insured before it can take to the road and a fully comprehensive insurance policy is required when you lease a car.

If you’ve taken out a personal contract hire (PCH) agreement, you as the one signing the agreement must be the main policy holder or ensure you are a named driver on the insurance certificate.

What Type Of Insurance Do I Need On A Lease Car?

Do Car Leases Come With Insurance?


For those taking out a Business Contract Hire (BCH) agreement, the insurance certificate must have the director or company name on it.

Whether the contract is for business or personal use, the finance company remains the registered owner of the car for the duration of your lease term and this must be made known to your insurer when you come to insuring your brand new lease car.

Not informing your insurance company of this fact could cause confusion, as most providers will automatically assume that you own the car. The price of your policy shouldn’t be affected by providing them with this information and in the event of a claim at least they will know how to proceed with the correct information in front of them.

Your brand new lease car will be delivered to you for free on a day that suits you, so it’s important to ensure that you have insurance cover ready. Your lease car must remain insured right up until the day it has been arranged for its return.


For more information regarding our car leasing services and fantastic offers please click here, or give us a call today on 0844 846 4007.

0 thoughts on “Do Car Leases Come With Insurance?”

Leave a Reply

Your email address will not be published. Required fields are marked *

Related Posts


What are the business benefits to leasing?

You could claim back all of the VAT and be exempt from company car tax   Business Contract Hire is fast becoming the most popular form of business leasing here in the UK. A company, Read more...


Whose responsibility is road tax with a lease car?

Leasing a car from Clear Car Leasing is a simple and straightforward procedure   When you drive a vehicle on UK roads it must be covered by road tax to ensure your are legally allowed Read more...


What’s Included As Part Of My Lease Contract?

What Happens When My Lease Contract Comes To An End?   Despite the fact that you never own the car you lease from Clear Car Leasing, you can be assured that all our vehicles are Read more...