When Is Insurance Included In Leasing?
Some specialist lease deals, often called “car lease and insurance packages” bundle insurance into your monthly payment. These deals may include:
- Insurance for a named driver (or multiple drivers)
- Fixed monthly costs
- Maintenance and breakdown cover
- GAP insurance (to cover lease liability if the car is written off)
These packages are typically offered through salary sacrifice schemes, business lease deals, or some personal lease providers.
Always check what’s included before signing.
Things To Watch Out For
- Insurance-included lease deals are often more expensive overall
- You may have less flexibility on the insurer or cover level
- Drivers under 25 may face age restrictions
- Claims could affect your personal no claims bonus, depending on the structure
If you prefer to choose your own insurer, a standard lease with separate insurance may be more cost-effective.
Yes, in most cases, that’s expected. Just make sure it’s fully comprehensive.
Not by default. Some business lease packages include fleet insurance, but this varies by provider.
It’s not legally required, but strongly recommended. It covers the difference between what you owe and what your insurer pays if the car is written off or stolen.
Not directly, but lease cars are often new and high-spec, which may increase your premium.
