How much of my salary can I sacrifice?

You cannot reduce your salary to take your earnings below the level of the National Minimum Wage (“NMW”). To check the current level for NMW please refer to www.hmrc.gov.uk.

Can anyone else drive my Scheme car?

Yes, the Scheme policy will allow up to two additional named individuals to drive the vehicle. The additional drivers must be:

  • aged between 18 and 75 years; (*subject to status, see insurance section for further details);
  • residing or registered at the same address as you at the start of the contract term;
  • a spouse/partner or member of your immediate family; and
  • should hold a full driving licence that permits them to drive legally in the UK

What paperwork will I need to complete to make an order request for a vehicle?

You only need to agree to the terms and conditions of the ‘Contract Variation’. CSE has included this within the online ordering system so you will not have any additional forms to complete apart from the DVLA Licence Mandate authorisation form.

How will I know when my car is ready for delivery?

CSE will track the progress of your order and will keep you updated by email regarding any changes to the delivery date. As soon as your vehicle is available CSE will contact you to arrange delivery.

Can I take my car abroad?

Your car insurance includes full cover throughout the European Community, Iceland, Switzerland, Liechtenstein and Croatia (limited to 60 days for any one trip). If you wish to take your car to Europe many insurance providers will require you to inform them of the dates you are travelling.

Will participation in the Scheme affect my student loan repayments?

If you have a student loan you may make repayments from your net salary. However, these payments are based on your salary after reduction of the sacrifice value (and not your notional salary) and therefore you could see your repayments reduce or stop altogether as a result of participating in the Scheme.

To check the current level of salary when student loan deduction would commence, please refer to www.hmrc.gov.uk.

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