🇬🇧 Compare
How a subscription compares with other ways to drive
Each option suits a different length of need and appetite for commitment. The table shows the typical position in the UK market; individual agreements can differ, so always check the contract in front of you.
| Feature | Car subscription | Short-term lease | Personal contract hire (PCH) | PCP finance | Car rental |
|---|---|---|---|---|---|
| Typical minimum term | 28 days to 3 months | Around 3 to 12 months | Usually 2 to 4 years | Usually 2 to 4 years | One day |
| Upfront payment | Often none or a refundable deposit | Initial payment often required | Initial rental, often several months | Deposit usually required | Card hold or deposit |
| Insurance | Often included or optional | Usually arranged by you | Arranged by you | Arranged by you | Basic cover included, with excess |
| Vehicle tax | Usually included | Usually included | Usually included | Paid by you | Included |
| Servicing and maintenance | Usually included | Sometimes included | Optional add-on | Paid by you | Included |
| Credit check | Yes, sometimes soft search | Usually yes | Yes | Yes | ID and licence checks |
| Ending early | Short notice after minimum term | Fees likely | Early termination charges | Settle or voluntary termination | Return any time |
| Mileage | Monthly allowance | Annual or monthly allowance | Annual allowance | Annual allowance | Often limited per day |
| Option to own | No | No | No | Yes, via final payment | No |
General guide to typical UK arrangements, not a statement about any particular provider. Voluntary termination of PCP is a legal right under consumer credit rules once a set proportion of the total amount payable has been paid; your lender must explain it. Last reviewed 8 October 2026.
UK providers side by side
Promoted partners are labelled. Ratings show their source; “–” means not published or not verified.
| Provider | Minimum term | Maximum term | For | Vehicles | Public rating |
|---|---|---|---|---|---|
| Cocoon Vehicles Promoted | 1 month | – | personal, business | cars, vans, electric, luxury | |
| Flexigo Cars UK Promoted | 28 days | – | personal, business | cars | – |
| Sixt+ (UK) Promoted | 1 month | 3 months | personal, business | cars | |
| AMT Auto Subscription | 1 month | 3 months | personal, business | cars, vans, electric, luxury | |
| Autohorn Fleet Services | 28 days | – | personal, business | cars, vans | |
| Car Flex | 1 month | 3 years | personal, business | cars, vans, electric, luxury | – |
| Conduire | 1 month | – | personal | cars, luxury, electric | – |
| Drivalia UK | 1 month | 24 months | personal, business | cars, electric | – |
| Drive Car Flex | 1 month | 4 years | personal, business | cars, vans, electric | – |
| Drive Fuze | 1 month | – | personal, business | cars, electric | |
| Evogo | – | – | personal, business | cars, vans, electric | |
| EZOO | 3 months | – | business | cars, electric, luxury | |
| Flexed | 28 days | 12 months | personal, business | cars, hybrid, luxury | |
| Flexible Car Lease | 1 month | 12 months | personal, business | cars, vans, luxury | |
| Flexible Vehicle Contracts | – | – | business, personal | cars, vans | – |
| Just Vehicle Solutions | 3 months | 12 months | personal, business | cars, vans, electric, hybrid | |
| Mocean Subscription | 1 month | 24 months | personal | cars, electric, hybrid | |
| Mycardirect | 1 month | 4 years | personal, business | cars, vans, electric | |
| Pivotal | 3 months | – | personal, business | cars, luxury | |
| Scot Car | 1 month | 12 months | personal, business | cars, vans, electric | – |
| Selfdrive UK | – | – | personal, business | cars | |
| Short Car Leases | 1 month | 24 months | personal, business | cars, vans, electric, luxury | – |
| Short-Term Leasing UK | 3 months | – | personal, business | cars, vans | |
| SOGO Mobility | 1 month | 12 months | business, personal | cars, vans, electric, hybrid | |
| Voltric | 1 month | – | personal, business | cars, electric | |
| Wagonex | 1 month | 36 months | personal, business | cars, vans, electric, hybrid |
Frequently asked questions
What is the shortest car subscription available in the UK?
Among the providers we track, the shortest minimum terms are 28 days, with several others starting at one month. Some products marketed as subscriptions have three-month or longer minimums, so check before you apply.
Is insurance included in a UK car subscription?
It depends on the provider. Some include fully comprehensive insurance in the monthly fee, some offer it as an optional extra and some expect you to arrange your own. If you insure the car yourself, the provider will normally require fully comprehensive cover.
Do I pay vehicle tax on a subscription car?
Vehicle tax is usually paid by the provider as the registered keeper and built into the monthly fee. Confirm this in the list of inclusions.
How many miles can I drive?
You agree a monthly allowance when you sign. Packages of around 1,000 miles a month are common, and some providers let you buy more. Miles over the allowance are charged at a pence-per-mile rate set out in your agreement.
Will a subscription affect my credit score?
A hard credit search is recorded on your file and visible to other lenders, while a soft search is not visible to them. Ask which type the provider uses. Some products are structured so that the agreement itself does not appear as credit.