For many drivers, leasing a car offers flexibility, fixed monthly costs, and access to the latest models. But what if your monthly lease also covered insurance? Car lease deals including insurance are becoming more popular in the UK, offering convenience and peace of mind in one monthly package. In this guide, we explain how these deals work, their pros and cons, and who they’re best suited for.
What Are Car Lease Deals With Insurance Included?
These are car leasing agreements where the insurance is bundled into the monthly lease payment. Instead of sourcing and paying for your own insurance policy, the lease provider includes fully comprehensive cover, giving you a truly all-in-one solution.
Benefits of Leasing a Car With Insurance
All-in-one monthly cost: Pay for both the car and insurance in one payment.
No separate insurance shopping: Ideal for busy drivers or young people with high premiums.
Potential savings: Some providers negotiate bulk insurance rates, which can lower your costs.
Great for budgeting: Fixed costs with fewer surprises.
Who Should Consider Lease Deals With Insurance?
Young drivers: With high premiums, inclusive deals may be more cost-effective.
Busy professionals: Saves time on insurance admin.
First-time leasers: Offers simplicity and peace of mind.
Small business owners: Combine your business car leasing UK with hassle-free cover.
What’s Typically Covered in These Deals?
Fully comprehensive insurance
Breakdown cover
Road tax (often included in lease agreements)
Sometimes servicing or maintenance packages
Always check the fine print. Not all providers offer the same level of cover, and some may restrict drivers by age or driving history.
Are There Limitations to Car Lease Deals With Insurance?
Yes, some factors to watch for:
Age restrictions: Often limited to drivers aged 21–70.
Claim excesses: Higher excess might apply.
Named drivers only: Only listed drivers are insured.
No-claims bonus: You might not build your own no-claims history.
FAQs – Car Lease Deals Including Insurance
Q: Can I lease a car with insurance as a new driver?
A: Yes, some providers specialise in lease deals for new and young drivers, but you may face age-based premiums or restrictions.
Q: Are there car lease deals with insurance and no deposit?
A: Yes, car lease deals with no deposit and insurance are available, although your monthly cost may be higher.
Q: Does insurance affect mileage or vehicle type limits?
A: Yes, some inclusive insurance policies may restrict mileage or limit your choice of vehicles. Always review the terms.
Q: Can businesses get lease deals with insurance?
A: Some providers offer packages tailored for business users. Learn more about business car leasing UK.
How to Find the Best Lease Car Deals With Insurance
To find the right deal:
Compare providers offering insurance-inclusive lease packages.
Choose vehicles available through in stock car leasing to avoid long waits.
Look for flexible options like 12-month lease deals or SUV lease deals.
Providers like All Car Leasing offer a wide range of vehicles, with transparent deals and expert advice.
Is a Car Lease With Insurance Right for You?
If convenience and predictability matter most to you, car lease deals that include insurance are an excellent option. Just be sure to compare total costs and policy terms to find the most suitable deal for your driving needs.
