FAQs

Got Questions? We’ve got answers. Whether you’re buying your first car or trading in your old car, we’re here to make it simple. Explore our FAQs for quick, honest answers about Carsa’s process, prep, finance, handover, and more.

Is EV battery degradation covered?

No. Gradual range loss as your battery ages is normal EV behaviour and isn't covered. The EV extended warranty contributes up to £1,000 towards a replacement only if the battery suddenly fails — it's the single most important distinction to understand on EV cover.

Do I have to use a specific garage for warranty repairs?

You'll need pre-approval from AutoProtect before any repair starts, but once approved the work can be done at a VAT-registered garage of your choice. Labour is contributed up to £100 inc VAT per hour. Repairs arranged without approval won't be covered.

My car still has manufacturer warranty — can I start my extended warranty later?

Yes. You can set it to begin on a future date so it kicks in when your manufacturer cover runs out. That way you're not paying for overlap and you get the full term out of it.

Do I have to keep servicing the car to keep my warranty valid?

Yes. The car must be serviced in line with the manufacturer's schedule (or every 12 months / 12,000 miles if there's no service history), and you should keep your invoices as proof. On EV cover there's a 21-day / 750-mile grace period if you can't service exactly on time, as long as you let AutoProtect know.

Does the extended warranty cover me in Europe?

Yes — up to 90 days per year driving in the Republic of Ireland and mainland Europe. As with any claim, you'll need pre-approval from AutoProtect before any work begins.

Can I transfer my warranty if I sell the car privately?

Yes. You can transfer the remaining cover to a private buyer for a £25 administration fee, which can add real value when you come to sell.

Can I cancel my extended warranty?

You can remove it any time before you take delivery, no problem. Once cover starts it's non-refundable, so it's worth deciding which term suits you before you drive away.

How does wear and tear cover work?

Wear-and-tear failures are covered as long as your car is under 6 years old and under 60,000 miles at the time of claim. Once it passes either threshold, only sudden mechanical breakdowns are covered and wear-related failures stop.

Are PCP and HP eligibility criteria different?

Yes, they can be. PCP (Personal Contract Purchase) sometimes has stricter criteria, because it involves a larger deferred payment (the optional final payment). HP (Hire Purchase) tends to be more straightforward, as you’re paying the full balance of the car over the term. Ultimately, it depends on the individual lender’s requirements.

Can I get good car finance with a large deposit?

A larger deposit usually lowers your monthly payments and may improve your chances of being accepted. However, on PCP (Personal Contract Purchase) agreements, some lenders cap the maximum deposit you can put down.

If you want to understand how a larger deposit may increase your monthly payments, find a car on our website and use the finance calculator on the page. You can adjust the deposit, term, and mileage (for PCP) to see how the payments change.

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Can I get car finance with no deposit?

Yes, many lenders offer no-deposit finance, meaning you can drive away without paying anything upfront. Keep in mind that putting down a deposit can reduce your monthly payments, so it’s worth experimenting with the calculator on our car pages to see the difference.

If you want to understand how much the monthly payments may be on a vehicle, find a car on our website and use the finance calculator on the page. You can adjust the deposit, term, and mileage (for PCP) to see how the payments change.

Can I get a new car with existing finance?

It’s often possible. Some lenders may require you to settle your existing finance agreement first, which can be done by part-exchanging your current car or selling it privately. Others may allow you to take out a second agreement if your credit profile and affordability are strong enough. To see what applies in your case, start with our free eligibility tool.

What documents do I need for a car finance application?

Most lenders will ask for a valid form of ID (such as a driving licence or passport). You may also be asked for recent proof of address and proof of income, such as payslips or bank statements (usually dated within the last 90 days). Some lenders may request additional documents depending on your circumstances.

Can I get rid of my car on finance?

Yes, you can, but you’ll need to settle the outstanding finance balance first. This can be done in a few different ways:

Paying the settlement figure directly to your lender – You can request a settlement figure and pay off the balance in full.
Selling the car privately – Use the proceeds from the sale to clear your finance.
Part-exchanging your car with us – We’ll settle the finance as part of the new deal, and any equity left over can go towards your next car.

You may also have the option of ending your agreement early under what’s called “voluntary termination.” This is where, once you’ve paid (or are willing to pay) around 50% of the total amount payable on your contract, you can hand the car back and walk away. The exact amount will be shown in your agreement, and you may still be liable for charges such as damage or excess mileage.

If you’re within the first 14 days of signing your finance agreement, you also have a cooling-off period, which allows you to withdraw from the contract without penalty.

The rules vary depending on whether your agreement is PCP (Personal Contract Purchase) or HP (Hire Purchase), so it’s always best to check with your finance provider. They’ll confirm your settlement figure and explain your options.

Can I get a payment holiday on car finance?

Whether you can take a payment holiday depends entirely on your finance provider. Some lenders may allow it in certain circumstances, while others may not offer this option at all. If you’re already in an agreement, the best step is to contact your lender directly to discuss what support might be available.

What credit score do I need to get car finance?

There isn’t a set score that guarantees approval. A higher score usually makes it easier, but customers with lower scores can still be approved if they can show steady income and affordability. The quickest way to check is through our free eligibility tool, which doesn’t affect your credit score.