What is Personal Contract Hire (PCH)

Personal Contract Hire is the most convenient and affordable way for individuals to lease a car. It gives you the benefits of having a car but without all the hassles associated with buying a car.

PCH - peronal-contract-hire

When you take out a personal contract hire agreement with Toomey Leasing you get a brand new car and all the support you need to manage repairs and maintenance. We provide you with the freedom but without hefty costs upfront.

A personal contract hire agreement also makes it easier for you to manage the costs of a car. With us, you pay a fixed fee so you know exactly how much is going out of your bank account.

A PCH means you never own the car outright. The advantage of this is that you avoid all the problematic issues that are associated with buying a car such as maintenance, repairs and selling the

Maintenance, repairs and service checks are taken care of by us. All you have to do is schedule an appointment through our website portal and drop the car off.

You don’t have to concern yourself with depreciation or warranty either. Once the PCH period expires all you have to do is return the car and choose a new one.

Upon returning the car, you will have nothing more to pay unless you exceed the mileage agreed to in the PCH or if the vehicle is damaged.

Personal Contract Hire is one of the simplest ways of getting access to a car. With the cost of buying and owning a new car in the UK right now, can you really afford not to take out a PCH?


What We Offer

  • Brand new vehicle of your choice
  • Fixed period of time with an agreed mileage allowance
  • Maintenance Agreement to provide routine servicing
  • Replacement parts and new tyres due to “fair wear”
  • Access to our 24 hour ‘driverline’ to assist you with any maintenance issues
  • Simple servicing and MOT scheduling via our online portal


Features of Personal Contract Hire

  • Fixed monthly payments for the duration of the contract
  • Optional maintenance cover including 24-hour support line
  • Flexible contract lengths and mileage allowances
  • Contract available with low deposits
  • No vehicle depreciation or disposal risks
  • Road Fund Licence tax is included in the contract
  • Choice of any new UK spec vehicle


Disadvantages of Personal Contract Hire

  • Early termination can be expensive
  • You will never own the vehicle
  • Recharges for damages outside the scope of fair wear & tear on return
  • Excess mileage charges will apply if you exceed the stipulated contract mileage


Eligibility for Personal Contract Hire

  • You must be 18+ years of age
  • Own a full UK driving licence
  • A minimum 3-years employment history
  • Reside in the UK for at least 3-years. Addresses should be provided


If you are interested in a Personal Contract Hire, contact us today and speak to one our advisers on 01244 572119.


Opticar is a trading style of Toomey Leasing Ltd. Registered office: Service House, West Mayne, Basildon, Essex SS15 6RW. A member of MJT Securities Ltd. Registered No: 00962747 England VAT Reg Number: 690 6389 96. Authorised and regulated by the Financial Conduct Authority for the purpose of insurance mediation activity. FCA Firm Reference No: 687548. Toomey Leasing Group Ltd is committed to protecting personal data. A copy of our full Privacy Policy can be found here

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