FAQs

If something's gone wrong with your car and you think it's covered by your warranty, don't worry – we'll help you get it sorted.

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Whether you're covered by your 90-day warranty or a CarsaCover extended warranty, claims are handled by AutoProtect. Here's how to make a claim:

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Contact AutoProtect directly:

• Phone: 01279 456 503
• Email: iclaim@autoprotect.net

The claims process:

1. Report the issue – Give AutoProtect a call or drop them an email to let them know what's happening with your vehicle.
2. Get a diagnosis – AutoProtect will usually ask for a diagnosis from a garage. You can use any VAT-registered garage, but we'd recommend one you know and trust, a specialist for your vehicle type, or your local Carsa branch.
3. Submit your claim – Once you have the diagnosis, get back in touch with AutoProtect and they'll guide you through the next steps.
4. Need extra help? – If you've spoken to AutoProtect and are still having trouble, our Customer Care team are happy to help: Contact Customer Care

One important thing: Please don't arrange or pay for any repairs before your claim has been authorised – otherwise you might not be covered.

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You'll need to tax the car before you can legally drive it away. Don't worry – we make this easy. We record the 12-digit document reference number from the V5C in our system, and when you collect your car, our team will help you tax it on-site using the DVLA website. It only takes a couple of minutes. You won't usually receive the green new keeper slip (V5C/2) at handover, but you don't need it – we have the reference number ready for you.

PCP usually offers lower monthly payments and greater flexibility if you like to change cars every few years. However, you’ll need to pay a balloon payment if you want to own the car outright. HP has higher monthly payments, but once the final payment is made, the car is automatically yours.

PCP is a more flexible type of finance where part of the cost is deferred into a final “balloon payment” (known as the Guaranteed Future Value). At the end of the agreement, you can choose to:

• Pay the balloon payment to own the car.
  
• Hand the car back, as long as it’s in good condition and within mileage limits.
  
• Trade it in for another car, using any value left over as your deposit.
  

To see how this looks in practice, find a car on our website and use the finance calculator — you can adjust the deposit, term, and mileage to see how payments change.

If you want to see if you might be eligible for PCP, you can check your eligibility with our finance eligibility checker.

HP is a simple and straightforward type of finance. You pay a deposit, then fixed monthly instalments over an agreed term. Once all payments (and any small option-to-purchase fee) have been made, the car is yours. HP is a good option if you know you want to own the car outright at the end of the agreement.

If you want to see if you might be eligible for HP, you can check your eligibility with our finance eligibility checker.

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Yes, some customers are able to take finance on more than one vehicle, as long as their credit profile and affordability are strong enough. Lenders may ask for extra documents or a clear reason for needing a second car.

Yes, some specialist lenders will consider customers with no UK credit history, although they may ask for additional documents. These can include proof of your right to remain in the UK, two proofs of address, and an international driving licence. 

If you’re unsure, check your eligibility with our finance tool — it’s a simple way to see whether you’re likely to be eligible for car finance

Yes. If you’d prefer not to have a balloon (final) payment, a Hire Purchase (HP) agreement might be more suitable. With HP, you make fixed monthly payments until the balance is cleared, and once the final payment is made (plus any small option-to-purchase fee), the car is yours outright.