Frequently Asked Questions

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So you can feel 100% comfortable going forward with a Motord Personal Lease, weíve put together a list of the most common questions weíve been asked, however if your question isnít below, just get in touch as weíre here to help you.

Application & Leasing

What is a Motord Personal Lease?

What is a Motord Personal Lease?

It’s a 12 month agreement that includes a fixed mileage allowance. You are simply renting the vehicle, so you do not own it and cannot sell it. At the end of the agreement term the vehicle is returned to us.

What are the benefits of a Motord Personal Lease?

What are the benefits of a Motord Personal Lease?

We have included road tax (vehicle excise duty) for the duration of the personal lease, although we may pass on any charges that reflect future changes in rates; the vehicle is simply returned at the end of the agreement, so you don’t have to worry about resale value or depreciation.

When might a Motord Personal Lease not be suitable for me?

When might a Motord Personal Lease not be suitable for me?

There are a few reasons:

  • If you wish to own or buy a vehicle;
  • If you wish to use the vehicle for taxi (inc. Uber and similar) or driving school use, this is not permitted;
  • if you plan to export the vehicle or use abroad for extended periods.

I see a Motord deal I like; what happens next?

I see a Motord deal I like; what happens next?

If we haven’t already done so we’ll send you a formal quote and application form. Once the form is completed, we assess your application and upon approval, we will order your vehicle. We will then send you the Motord Personal Lease agreement for you to sign and send back with your first payment. Then just sit back and we’ll deliver your vehicle to you.

How do I qualify to lease a vehicle?

How do I qualify to lease a vehicle?

As long as you can prove who you are and where you live and can demonstrate that you can cover the payments, then you will be considered.

What documents will I need to provide?

What documents will I need to provide?

We will ask you for the following to satisfy our underwriting criteria:

  • Proof of identity: valid UK driving licence and/or passport.
  • Proof of income: pay slips* and bank statements for the past 3 months. *If you are self-employed, please provide a copy of your SA302 form from HMRC.
  • Proof of address: copy of a monthly utility bill (e.g. gas, electric, council tax, water, telephone landline) dated within 3 months of application. The name and address on the bill must match the name and address on the application.

Am I guaranteed acceptance?

Am I guaranteed acceptance?

We cannot guarantee that every applicant will be accepted – no company can! However, as long as you can provide all the documentation as requested, there is an excellent chance.

Can someone act as guarantor?

Can someone act as guarantor?

If you’re not able to prove that you can cover the payments, a family member or partner can act as guarantor as long as they meet our income criteria. In some circumstances, we may ask for a guarantor at our discretion. In either case, a joint application must be made.

Iíve been turned down by a mainstream lease company, can I apply for a Motord Personal Lease?

Iíve been turned down by a mainstream lease company, can I apply for a Motord Personal Lease?

Of course! As long as you can provide all the necessary documents, and demonstrate you can cover the payments, our team will process your application.

What happens if I have a bad credit score or no credit history?

What happens if I have a bad credit score or no credit history?

We do not check your credit score. The only verification we are required to check is your identity and confirmation of address but will only do so once your signed application form has been received, along with your supporting documents.

Can I apply if I have an IVA, CCJ, CVA, am declared bankrupt or discharged from bankruptcy?

Can I apply if I have an IVA, CCJ, CVA, am declared bankrupt or discharged from bankruptcy?

We are happy to consider all customers and we will look at your current circumstances, as long as you can provide all the correct documentation and can demonstrate that you can afford the payments.

I already have a lease vehicle; can I lease another?

I already have a lease vehicle; can I lease another?

In principle, yes. We will look at your current circumstances, as long as you can provide all the correct documentation and can demonstrate that you can afford the payments.

Will my payment history show on my credit record?

Will my payment history show on my credit record?

No; your payment history with us will not be reflected in your credit score.

What regular payments will I have to make?

What regular payments will I have to make?

Your payments will consist of an initial rental payment and 11 regular monthly payments. These are shown on the quotation, application form and agreement.

Are there any other charges?

Are there any other charges?

You will be charged if you exceed the mileage allowance and/or if the car is returned with damage that is outside the guidelines for fair wear and tear (see below). We may also pass on costs incurred with processing parking fines etc and any further vehicle specific support that you may request.

Vehicles

What vehicle can I have?

What vehicle can I have?

Our best deals are always shown on our website. If you’re looking for something specific, please ring one of our advisers who will be able to tell you the latest makes and models that we can supply.

Do I have to collect my car from you?

Do I have to collect my car from you?

You can collect from our offices in Yeovil, if you wish or we can have it delivered to you at the address on the application form.

Will my vehicle come with a warranty?

Will my vehicle come with a warranty?

Most manufacturers have warranties that last up to 3 years. As most of the cars we supply are under 12 months old then your vehicle will be covered by the manufacturers’ warranty during your 12 month Motord Personal Lease.

Is maintenance included in the agreement?

Is maintenance included in the agreement?

This will be specific to the vehicle and will be discussed during the application process.

Is road tax included?

Is road tax included?

Yes, road tax (vehicle excise duty) is included for the duration of your agreement.

Is insurance included in the agreement?

Is insurance included in the agreement?

No, insurance is not included and is your responsibility throughout the duration of the agreement. We will require a copy of the insurance certificate or cover note prior to delivery. We may from time to time check the Motor Insurance Database (MID) to check that insurance is in place.

Can I cancel the agreement once I have taken delivery?

Can I cancel the agreement once I have taken delivery?

Agreements can be cancelled without penalty, during the 14 day cooling off period; the car will be delivered after this period has expired. After this period has expired, it will be at the discretion of the company and early termination charges may apply.

Can I change my vehicle during the agreement period?

Can I change my vehicle during the agreement period?

If you wish to change your vehicle during the 12 month agreement period, early termination charges may apply. We will always discuss the options with you.

When should I start to look for a new vehicle?

When should I start to look for a new vehicle?

We’ll send you a reminder when your agreement is due to end so that you have time to consider your new vehicle.

How do I return my vehicle?

How do I return my vehicle?

You can return your vehicle to us or we’ll collect it from you if we’re supplying a new one.

Should I have my vehicle valeted before its return?

Should I have my vehicle valeted before its return?

A valet is not necessary but we do ask that you return the vehicle in the same condition as you receive it. This helps us appraise it at agreement end and reduces any disputes over condition.

What should I return with the vehicle?

What should I return with the vehicle?

The vehicle will have a comprehensive inventory which you will sign for and acknowledge upon delivery. You may be charged for any missing or damaged items. Please delete any data that may be stored in sat navs etc.

What happens if Iíve covered more miles than on the agreement?

What happens if Iíve covered more miles than on the agreement?

If you have gone over the agreed mileage allowance, then we will charge you for the excess miles. This excess miles charge is shown on your agreement so you will know this in advance. If during the term of your agreement you think you are likely to go over the allowance, then please let us know and we may be able to adjust the remaining rental amounts to cover this.

My vehicle has some damage; what should I do before I return it?

My vehicle has some damage; what should I do before I return it?

We expect some fair wear and tear and a copy of our “Fair Wear & Tear Guidelines” would be included with your agreement. If the damage to the vehicle falls outside these guidelines, then you need to contact us prior to the agreement end. We may charge for any damage on a returned vehicle that has not been repaired and falls outside the guidelines. If you need an extra copy of the guidelines, please let us know.