Leased vehicle insurance guide

Leased vehicle insurance guide

Leased vehicle insurance guide
19 May 2022

Do the vehicle lease rentals include insurance?

One of the most common questions people have about leasing a car or a van is whether or not it comes with insurance. Many people assume that the lease rentals cover the insurance, but they don't.

Suppose you are looking to lease a car or a van. In that case, you have an option to opt for a maintained or non maintained agreement. Still, regardless of your choice, a leased vehicle will never come insured. Therefore, you need to arrange the vehicle insurance separately. 

When do I need to insure my leased van or car?

It's your responsibility to insure the vehicle at the point of handover from the delivery agent. The insurance certificate should date before or on the day of your delivery. About 10 to 5 working days before your delivery date, you will receive your vehicle's registration number. At this stage, you can insure your new vehicle. However, we would strongly advise that you start searching for suitable insurance rather than wait until the last minute. It will not only allow you to enjoy your new vehicle from the moment you sign for the delivery. You could also secure a better insurance deal if you buy an insurance policy in advance. Worth adding - your leased vehicle will need to be insured during your entire agreement length.

What kind of insurance do I need for a leased car or van?

You must insure leased vehicles on a fully comprehensive insurance policy. Therefore, the main policyholder's name must match the name of the person obtaining finance. In addition, the certificate must show your company name (where applicable) and registration number.

If I lease a vehicle, am I able to insure more than one person to drive it?

When you lease a vehicle, whether it's a car for personal use or a van for your business, you'll need to insure the vehicle yourself. If the lease is in your name, you will need to be the main driver on the insurance policy, but you can add other named drivers to your policy.

Who is the registered owner of the leased vehicle?

While insuring the vehicle with a fully comprehensive policy is your responsibility, the finance company hold the ownership of the vehicle itself.


Contact us if there is anything else you'd like to know about insuring your newly leased vehicle.

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If you need help give us a call on:

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020 3627 1127 London

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Am I Eligible?

We work in partnership with many of the UK’s leading van leasing, car leasing, contract hire and finance leasing funding companies in order to provide the most competitive rates and offer you the best leasing deals possible. Our guide to eligibility will help you understand the various requirements for establishing a vehicle finance agreement.

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Achieving the best van leasing deals and the best car leasing deals has become a key consideration in the work we do, so you can get the best leasing deals. Our process is built to ensure we accurately and efficiently identify your needs and requirements, achieve the best finance deal for you, apply for finance on your behalf and provide you with the quickest delivery possible.

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At Commercial Vehicle Contracts, we ensure that every aspect of the car leasing process and van leasing process is seamlessly undertaken with full management on your behalf, meaning you can sit back and relax with the peace of mind that your chosen vehicle will arrive at your desired address matching your required needs.

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Basic List Price
Monthly Rental
Engine and Drive Train
Transmission Type
Engine Size
Engine Configuration
Fuel Type
Fuel Delivery Type
Euro Emissions Standard
Electric Range
Combined (WLTP)
Fuel Consumption
Combined (WLTP)
Combined (NEDC)
Maximum Speed
0 to 60 mph
0 to 62 mph
Power (BHP)
Power (PS)
Power (KW)
Dimensions and Weights
Ground Clearance
Boot Capacity
Fuel Tank Size
Gross Weight
Kerb Weight
Max Braked Towing Weight
Max Unbraked Towing Weight
Body Style
Insurance Group
RFL Rate
Front Brakes
Rear Brakes
Standard Front Tyre Size
Standard Rear Tyre Size
Standard Spare Tyre Size