Editorial · plain English · FCA-reviewed

Vehicle leasing guides

Honest answers to the questions people actually ask. How our soft credit check works. What we accept if you're self-employed. Where Flexi Lease costs more than contract hire — and where it doesn't.

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The trust hub for the cluster

How our soft credit check works

We use a soft credit check via Creditsafe to verify identity and address, and to support fraud prevention and general suitability checks. Does not normally affect your credit score the same way as a full lending application.

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Reviewed by

Billy Lang, Director

FCA Reg 835008

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22 live · 2 coming soon

Eligibility & credit

How our soft credit check works, what we accept, and what may affect a decision.

Defaults, missed payments, low scores

Vehicle leasing with imperfect credit

What we accept and what may affect a decision. The umbrella page for credit history concerns.

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Coming soon

Vehicle leasing with no UK credit history

For people new to the UK or with limited credit footprint here. What we accept in lieu of a UK file.

Who you are

Practical guides built around how you trade — sole trader, self-employed, newly incorporated, brand new to it.

How to choose

Honest comparisons between the products and the alternatives — including where each one wins.

An honest cost-and-flexibility comparison

Flexi Lease vs contract hire

Where Flexi costs more, where it doesn't, and which suits which buyer. Honest about both sides.

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Hand back vs eventually own

Flexi Lease vs Rent to Buy

Same starting point, different ending. Cost-to-own, end-of-term options, eligibility comparison.

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Decision support

Should I lease or buy a van? (sole trader)

Honest cost-of-ownership comparison, tax notes (with adviser disclaimer), and a 3-year worked example.

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Coming soon

Should I lease through my limited company or personally?

Tax-aware decision-support. Gated on tax-adviser-reviewed copy.

Decision support

Lease vs buy: van for a limited company

VAT, BIK, capital allowances and cashflow — an honest comparison for limited company directors.

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Cost guide

Van leasing cost guide for self-employed

Initial-rental rules (1.5 vs 3-month), example monthly costs, and what changes the price most.

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Decision support

Cheapest way to get a van for a new business

Honest cross-product comparison: Flexi Lease vs second-hand HP vs van subscription. What "cheapest" actually means.

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Comparison

Rent to Buy vs PCP — which is right for me

Both end with you owning the vehicle. The structure, monthly cost, eligibility and exit options differ.

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Explainer

How many miles do I really need on a van lease?

How to estimate annual mileage honestly, what excess-mileage charges actually cost at hand-back, and a worked example.

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Explainer

Initial rental: 1.5 vs 3 months explained

Why initial rental is 1.5 or 3 months, who sits where, and a worked side-by-side example of the cashflow trade-off.

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The knowledge hub

Guides, explainers & honest answers

Longer reads on engines, tax, and the realities of running a vehicle — written in plain English, reviewed by the team.

45 articles and growing

Leasing explained12 min read

How to Transfer or Swap Your Car Lease

A car lease transfer can be a practical way to leave a vehicle agreement early, but it only works with the leasing company’s approval. Check the contract, costs and handover details before finding another driver. Confirm that the finance agreement permits a transfer or lease swap. Make sure the incoming driver passes the…

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Two men signing a car lease transfer agreement at a table with car keys on top.

Latest from the hub

24 Aug 2026

Smiling young woman driving a black Audi car through a suburban neighbourhood.
Vehicle guides11 min

Audi A1: Perfect First Car

The Audi A1 can make a polished, manageable first car, but the right example matters more than the badge. Think carefully about insurance, servicing, space and the condition of any used model before committing. Compact dimensions make the A1 comfortable in town and easier to park. The premium cabin and technology are appealing,…

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Dark grey sedan with lit brake lights driving closely in front of a white SUV on a multi-lane highway.
Driving life16 min

Brake Checking

Brake checking is deliberate, unnecessary braking intended to unsettle or endanger a following driver. It is different from braking normally for traffic, hazards or road conditions. Brake checking can cause a serious rear-end collision. A rear driver is not automatically solely responsible for every crash. Deliberate braking, tailgating and road rage may all…

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Are Alfa Romeo Cars Reliable?
Vehicle guides19 min

Are Alfa Romeo Cars Reliable?

Whether Alfa Romeo cars are reliable depends less on the badge alone and more on the model, engine, age and care it has received. Newer Alfa Romeo models can be enjoyable and dependable when serviced correctly. Electrical warnings, battery issues and wear to suspension components are common ownership concerns. A complete service history…

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A couple reviewing vehicle depreciation and lease payment documents with an agent at a car dealership.
Money & tax16 min

How Vehicle Depreciation Affects Your Lease Payments

Vehicle depreciation is the part of a lease payment that reflects the value a vehicle loses during the agreement. Understanding residual value, mileage and the full contract cost makes it easier to compare offers fairly. A lease payment usually reflects the vehicle’s expected loss in value, plus other agreement costs. Residual value, mileage…

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Driver's perspective inside a UK car showing illuminated engine warning lights on the dashboard display.
Vehicle guides17 min

Car Engine Warning Lights Meanings (UK)

Dashboard lights are not all emergencies, but they should never be ignored without checking what they mean. The safest response depends on the colour, whether the light is flashing, and how the car feels. Red warning lights usually require you to stop as soon as it is safe. An amber engine light needs…

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Woman driving a car along a scenic highway while passenger checks a map.
Driving life11 min

Road Trip Tips for Drivers with Leased Vehicles

A leased car can be a practical choice for a long drive, provided you understand the agreement and prepare properly. Check mileage, travel-area and overseas rules before departure. Calculate the whole journey, including detours and normal driving. Confirm insurance, breakdown assistance and permitted drivers. Prepare the car and protect it from avoidable damage.…

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Iconic WWI Vehicles
Driving life18 min

Iconic WWI Vehicles

WWI vehicles changed warfare by bringing engines, armour and industrial production into a conflict still dependent on horses and railways. Tanks were developed to cross trenches, cut through wire and support infantry. Armoured cars worked best on firm roads and open ground. Aircraft became essential for reconnaissance, interception and bombing. Ships, submarines and…

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Short-Term vs Long-Term Car Leasing: Which One Is Right for You?
Leasing explained16 min

Short-Term vs Long-Term Car Leasing: Which One Is Right for You?

The right lease depends on how long you need the vehicle, how predictable your driving is and how much flexibility you want. Short-term leasing suits temporary needs and changing circumstances. Long-term contracts can reduce the average monthly cost when plans are stable. Mileage, insurance, maintenance and early-exit terms matter as much as the…

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Man kneeling on a road and inspecting a puncture mark on a car tire standing next to a blue vehicle.
Vehicle guides20 min

Are Car Tyres Melting?

Car tyres do not usually melt in ordinary UK summer weather, but heat can still expose faults and accelerate damage. A careful inspection, correct pressures and sensible driving remain the safest response. Heat usually softens or degrades tyre materials rather than turning a complete tyre into liquid. Underinflation, heavy loads and high speed…

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The Best Kind of Cars for Business Leasing
Leasing explained9 min

The Best Kind of Cars for Business Leasing

The best cars for business leasing are the ones that fit the work, the mileage and the numbers, not simply the ones with the lowest advertised payment. Electric cars can suit businesses with predictable routes and convenient charging. Plug-in hybrids offer a useful middle ground for mixed driving patterns. Small cars, estates and…

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Woman driving a car while a senior man in the backseat points and speaks.
Driving life12 min

Backseat Drivers

Backseat driving can come from concern, anxiety or habit, but repeated interference can make a journey less safe and more tense. Helpful guidance is brief, specific and focused on genuine safety risks. Constant criticism or competing directions can distract the driver. Agreeing expectations before a journey usually prevents arguments. Passengers can help with…

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Driver pointing to a car dashboard odometer displaying total mileage next to a mounted smartphone.
Leasing explained15 min

Understanding Mileage Limits: How to Avoid Excess Charges on Your Lease

Mileage is one of the most important details to understand before signing a vehicle lease. A little planning at the start, followed by regular checks, can prevent an unpleasant final bill. Your annual allowance is multiplied by the number of months in the lease term. Excess mileage is usually charged at a set…

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Headlight Flashing
Driving life13 min

Headlight Flashing

Headlight flashing can be useful, but it is not a universal language. Read the road, avoid dazzling others and treat every flash as information rather than an instruction. A flash may warn of danger, acknowledge courtesy or signal an intention. The Highway Code does not make flashing an automatic grant of priority. Indicators,…

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Woman signing a car lease and auto insurance agreement at a desk inside a car dealership with an SUV behind her.
Leasing explained13 min

Car Leasing with Insurance

Car leasing with insurance involves two separate arrangements: the vehicle lease and the insurance policy that protects it. Understanding how they fit together can help you budget properly and avoid problems during the contract. The leasing company normally owns the vehicle while you use it under agreed terms. Fully comprehensive insurance is usually…

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What Do the Audi Engine Names Mean?
Vehicle guides12 min

What Do the Audi Engine Names Mean?

Audi badges become much easier to read once you separate the model name, fuel technology and power category. The letters describe broad engineering choices, while the numbers give an indication of output rather than engine size. TFSI generally identifies a turbocharged petrol engine with direct injection. TDI identifies a turbocharged diesel engine with…

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Are German Cars Better?
Vehicle guides18 min

Are German Cars Better?

There is no universal answer to the question “are German cars better”. The right choice depends on how you value performance, comfort, reliability and predictable ownership costs. German cars often excel at handling, refinement and motorway comfort. Japanese, Korean and French cars may offer different balances of value and dependability. Servicing history, engine…

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Diagnostic telemetry equipment on a race track beside a silver Porsche Taycan electric car undergoing testing.
Vehicle guides11 min

0-62 MPH Times 2024

The 0-62 mph times published for 2024 cars are useful comparisons, but they are not perfectly interchangeable. The test method, surface, tyres and state of charge can all change the result. Electric cars dominate the quickest everyday acceleration figures. 0-62 mph is slightly different from the better-known 0-60 mph test. Manufacturer claims and…

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Woman at desk reviewing credit score documents and laptop showing van leasing options near a window.
Leasing explained16 min

How to Lease a Van with Bad Credit: Steps to Improve Your Chances

A less-than-perfect credit history does not always prevent you from leasing a van, but preparation matters. The aim is to show that the payments are affordable and that you understand the agreement. Check your credit files and correct errors before applying. Show stable income, manageable debts and realistic monthly spending. Compare personal, business,…

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Mechanic crouching in a workshop holding a diagnostic tool while checking smoke coming from a green car's exhaust pipe.
Vehicle guides12 min

Car Exhaust Smoke Types Explained: What They Mean for Your Vehicle

Exhaust smoke is often an early clue that something in an engine needs attention. The colour, thickness and timing of the smoke help separate harmless vapour from a developing fault. Thin white vapour that quickly disappears is usually condensation. Thick white smoke can mean coolant is entering the combustion chamber. Blue or blue-grey…

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Flagship Models by Manufacturer
Vehicle guides19 min

Flagship Models by Manufacturer

A flagship is usually the model that sits at the top of a manufacturer’s range, although the title can mean different things across saloons, SUVs, sports cars and electric vehicles. Flagship status is about a model’s role in a range, not simply its price or sales volume. Executive saloons, large SUVs, sports cars…

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Mechanic using a calculator and diagnostic tablet next to a classic sports car in a workshop.
Vehicle guides12 min

kW to bhp

Kilowatts and brake horsepower measure the same basic thing (power), but use different scales. A simple multiplier makes conversion quick, provided you know which type of horsepower a vehicle specification means. Multiply kW by 1.34102 to estimate brake horsepower. Divide bhp by 1.34102 to convert back to kW. Mechanical hp and UK bhp…

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25 Best Driving Films of All Time
Driving life20 min

25 Best Driving Films of All Time

The best driving films understand that cars are more than machines: they can be weapons, escape routes, places of solitude and symbols of freedom. Bullitt remains the benchmark for filmed car chases. The strongest road films use driving to reveal character. Racing films work best when speed is matched by human drama. Quiet…

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Rent to Buy: Flexible Van Leasing
Leasing explained16 min

Rent to Buy: Flexible Van Leasing

Rent to buy can bridge the gap between short-term access and eventual ownership, but the agreement needs careful checking. The right choice depends on the van, your workload and the full cost rather than one attractive payment figure. Understand whether ownership is automatic, optional or conditional. Match the van, mileage and contract to…

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A man's hand touching a pint glass next to car keys on a wooden pub table.
Driving life18 min

Drinking Limits in the UK

Image supporting the section: Key Takeaways. The drink drive limits uk rules are only one part of the safety picture. Alcohol can impair driving before a person reaches the legal threshold, and the safest choice is not to drive after drinking. England, Wales and Northern Ireland use higher legal alcohol thresholds than Scotland.…

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A man and woman reviewing financial documents at a table with a laptop and car keys.
Money & tax18 min

Leasing vs Buying a Car: A Cost Breakdown Over 5 Years

Leasing and buying can both make sense, but they spread risk and cost in different ways. A five-year comparison is most useful when it includes the whole agreement, not just the advertised monthly payment. Leasing usually means paying for use and depreciation without owning the car. Buying can build equity and leave you…

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What Cars Have Heated Windscreens?
Vehicle guides15 min

What Cars Have Heated Windscreens?

Heated windscreens can make frosty and misty mornings much easier, but the feature is not fitted consistently across every model or trim. Fine wires or conductive film warm the laminated windscreen. Ford has long been associated with Quickclear heated windscreens. Equipment can vary by trim, model year and country. A button, symbol, manual…

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Classic and modern British luxury cars parked on a gravel driveway outside a country estate.
Vehicle guides15 min

British Car Manufacturers

British motoring is defined as much by heritage and production as by ownership. The names may be British, even when the companies behind them are part of international automotive groups. British identity can refer to ownership, design, engineering, manufacturing or heritage. Jaguar Land Rover, Aston Martin, Bentley, Rolls-Royce, Lotus and McLaren remain prominent…

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Top Ten Most Expensive Cars
Vehicle guides10 min

Top Ten Most Expensive Cars

The most expensive cars are rarely priced on performance alone. Rarity, bespoke craftsmanship, racing influence, historic importance and the story surrounding each car can matter just as much. Bespoke design is a defining feature of many ultra-expensive cars. Limited production can make exclusivity part of the value. Performance varies widely, from grand touring…

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A man crouching beside a white van while filling out a checklist on a clipboard.
Leasing explained12 min

Long-Term Van Hire

Long term van hire can provide useful capacity without committing to ownership. The right agreement depends on your mileage, vehicle needs, budget and plans for the months ahead. Match the van type to the work, load and driving environment. Check mileage limits, insurance, deposits and running costs carefully. Confirm that your licence and…

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A woman talking with a man holding a digital tablet beside a blue car parked on a suburban residential street.
Vehicle guides10 min

Best Second Car

A second car should solve a specific problem rather than simply duplicate the first one. These ten options cover low-cost commuting, extra practicality, style, enjoyable driving and electric motoring. Small city cars can be easy to place, run and live with. Used models may offer especially strong value as a second vehicle. Practicality…

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Woman holding a fuel nozzle at a petrol station pump with prominent safety warning signs visible.
Driving life11 min

Petrol Station Precautions

Petrol station precautions are simple, practical habits that help protect drivers, passengers, staff and other people on the forecourt. Plan your approach, slow down and follow the site’s signs. Switch off the engine and avoid smoking, vaping or naked flames. Stay with the nozzle, use the correct fuel and do not overfill. Watch…

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Car Trends of the 80s and 90s
Driving life16 min

Car Trends of the 80s and 90s

The car trends of the 80s and 90s changed how cars looked, performed and fitted into everyday life. Boxy 1980s designs gradually gave way to smoother, more aerodynamic shapes. Hot hatches made enjoyable performance more affordable and practical. Turbocharging, fuel injection, ABS and airbags moved from specialist features towards the mainstream. Japanese manufacturers…

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Capital Allowances on Electric Vans Explained
Money & tax18 min

Capital Allowances on Electric Vans Explained

Capital allowances can make an electric van a tax-efficient business purchase, but the result depends on the vehicle, ownership arrangement and tax period. A qualifying electric van may attract faster relief than an ordinary passenger car. New and unused zero-emission vehicles can qualify for particularly generous first-year treatment, subject to the rules in…

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A woman opens a blue compact car parked on a cobblestone European street near a red car.
Vehicle guides10 min

Best City Cars

The best city cars are not all alike: some prioritise price, others comfort, style, electric running or motorway ability. The right choice depends on how and where you drive. Small dimensions make busy streets and tight parking spaces less stressful. Petrol city cars can remain appealing for mixed urban and occasional longer journeys.…

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Woman reviewing paper documents while using a digital tablet at a modern office table.
Leasing explained14 min

What Is a Flexible Car Lease and Why It’s Perfect for Modern Drivers

A flexible car lease can provide a practical middle ground between daily rental and long-term ownership. The right agreement depends on your mileage, budget and likely plans. Flexible leases usually run for shorter periods than traditional contracts. Monthly payments, mileage limits and included services vary between providers. Shorter commitments can suit relocations, temporary…

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Grey Audi SUV parked on a coastal cliffside with a family gathered around looking at a map.
Vehicle guides10 min

Fastest 7 Seaters

The fastest 7 seaters bring genuine pace to a practical shape, but acceleration is only part of the decision. Seating layout, comfort, running costs and access to the third row matter just as much. Performance SUVs can combine family space with surprisingly strong acceleration. Electric models deliver quiet, immediate power, while petrol models…

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A man examining a cutaway model of an automatic gearbox on a workbench in a workshop.
Vehicle guides16 min

Automatic Gearbox Names

Automatic gearbox names often combine a technical transmission type with a manufacturer’s preferred label. The useful detail is the underlying mechanism, not the badge alone. Torque-converter automatics use fluid coupling and usually deliver smooth progress. Dual-clutch systems use two clutches to prepare and change gears quickly. CVTs vary their ratios continuously rather than…

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Technology in Car Leasing: The Digital Transformation
Leasing explained16 min

Technology in Car Leasing: The Digital Transformation

Technology in car leasing is making the process clearer, quicker and easier to manage. The best digital journeys still combine useful automation with straightforward human support. Online tools make it easier to compare vehicles, terms and likely monthly costs. Data can support more relevant offers and more consistent affordability checks. Connected vehicles can…

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A man in a car dealership carefully reviewing a vehicle lease agreement document with a calculator.
Leasing explained20 min

The Hidden Costs of Car Leasing: What to Watch Out For Before Signing a Contract

A lease can look straightforward when you see only the monthly figure, but the full cost is shaped by the contract around it. These are the main areas to check before committing: Add the initial rental, fees, insurance and running costs to the advertised monthly payment. Set a realistic mileage allowance and understand…

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Young woman in a denim jacket sitting thoughtfully in the driver's seat of a silver car.
Leasing explained17 min

Car Leasing for Young Drivers: What’s the Catch?

Car leasing for young drivers can offer a newer vehicle and predictable payments, but the headline monthly figure is only part of the decision. Insurance can cost as much as, or more than, the lease payment for a newly qualified driver. A personal contract hire agreement normally means returning the car rather than…

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What Are Xenon Headlights?
Vehicle guides15 min

What Are Xenon Headlights?

Xenon headlights use a high-intensity electrical discharge rather than a heated filament. Their strong, white light can improve night-time visibility, but the systems cost more and need careful installation and maintenance. Xenon headlights are also known as high-intensity discharge, or HID, lights. An electrical arc through xenon gas creates the light inside the…

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Leasing explained7 min

Can you lease a car with a bad credit history?

Whether you can lease a car with a bad credit history, what lenders actually check first, and the two situations where waiting or Rent to Buy make more sense — subject to status.

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Money & tax6 min

What does road tax actually pay for in the UK?

Where Vehicle Excise Duty really goes, what changed for electric cars, and why road tax is one bill you never see on a Flexi Lease. Plain-English guide.

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Vehicle guides7 min

Are 1.0-litre turbo engines any good?

How three-cylinder 1.0 turbo engines manage the pace of a bigger engine on small-car running costs, where they struggle, and which ones have proven themselves.

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