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.

How do I tax my car when I collect it?

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.

What’s the difference between PCP & HP finance?

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.

What is Personal Contract Purchase (PCP) finance?

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.

What is Hire Purchase (HP) finance?

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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Can I get two cars on finance?

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.

Can I get finance with no UK credit history?

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

Can I get finance if I have negative equity or an existing car on finance?

It can be possible. Some lenders will work with customers who have existing finance or a small amount of negative equity (where the car is worth less than the outstanding balance). For example, if you part-exchange your car, the existing finance can sometimes be settled as part of the new deal.

To understand how much negative equity you have, you can get a part exchange quote on our website by following this link or by calling us up and speaking to an agent.

Can I get car finance without a balloon payment?

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.

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.