What’s Included
Most subscriptions include vehicle excise duty, routine servicing and breakdown cover. Insurance varies: some services bundle fully comprehensive cover; others expect you to insure the vehicle under your own policy.
How It Works
If insurance is included, the monthly payment covers the premium and the provider sets the excess. If you use your own policy, confirm that business use is permitted if applicable. When comparing, read the terms around incidents and windscreen or tyre cover.
Compare Providers
- Included cover: often found with Pivotal.
- Own insurance models: common with Flexed and Drive Car Flex.
See more on our comparison hub and browse live offers by brand on Renault. For official guidance, check GOV.UK vehicle tax.
FAQs
Will included insurance cover business use?
Not always. Some policies are social/domestic only. Ask for the wording in writing.
Can I reduce the excess?
Some providers offer an excess reduction option; others don’t. Factor this into total cost comparisons.
Pro Tip: Align insurance basis before comparing price. Included insurance with a higher excess can still be cheaper overall than separate cover.
