Is Insurance Provided With My Lease From Flexed?

If you’re interested in leasing your next car or van, you might be wondering what’s included as part of your lease contract and whether insurance is part of the package.

Just like buying a car or van outright, standard car insurance is generally not included as part of the sale and this also applies to leasing, as it’s the customer’s responsibility to ensure that the car or van leased from Flexed is covered with insurance.

However, we like to make it easy. We can now offer Fully Comprehensive Car Insurance for all 28-day rolling contracts. This is a full car subscription service, so all you’d have to worry about is adding fuel.

As the car or van leased is never owned by the lessee and returned once your lease contract ends, the vehicle remains the property of the finance provider for the duration of your lease term and it is they who are the registered owner and keeper of the vehicle and hold onto the V5C logbook.

When applying for insurance on your lease vehicle, the policy holder must be same person as named on the lease agreement. However, a partner or spouse can be accepted rather than the named lease agreement holder or they can be listed as a named driver.

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If you’ve opted for a Business Lease, the policy holder can be either a company director listed with Companies House or be in the company name.

The lease agreement holder must be named on the insurance certificate for the policy to be acceptable.

What Information Do I Need?

When taking out insurance for your lease vehicle, you’ll need to have a certain amount of information ready to give to the insurance company such as registration number, make & model details, engine size, vehicle value and date of first registration – all this information will be provided so you can insure your lease car or van.

You’ll also be asked who the registered keeper is (finance provider), where the vehicle will be parked at night, what the car or van is to be used for (social, commercial etc.), your average annual mileage and whether you’ve been involved in an accident recently or have any current driving offences that need to be declared.

It’s always advisable that you’re totally honest with your insurance provider, as it could backfire on you in the event of a claim and could invalidate your policy or lead to a non-payout.

If you have an existing policy, then it might be possible to transfer it over onto your lease car or van. They must be informed that the new registration you’re transferring over to is a lease vehicle and that the registered owner and keeper of the vehicle is the finance provider.

Looking for the right vehicle insurance policy can be a nightmare, even comparison websites can leave you confused and unsure whether you’re choosing the right one for you. Not all insurance providers appear on comparison websites, so it might be an idea to do some homework yourself rather than relying on the information provided by comparison websites – speaking to insurance providers yourself could result in a cheaper quote.

Ensure your annual mileage is as accurate as possible, so you don’t end up paying for more miles than you need to with your insurance policy.

Of course, some cars are cheaper to ensure than others, particularly small hatchback’s as they tend to be cheaper to run and insure which makes them an ideal car for new or young drivers or those looking to lease a car on a budget.

Where your car is parked at night can have an effect on how much your insurance policy might be. Those who park on a driveway or in a garage rather than on the road tend to pay less for their insurance policy.

For further help and advice on insuring your lease car or van, please call 0800 311 8290 or email – one of our friendly and helpful team will gladly answer any questions you may have.


Please click here to find out more about our car leasing services and fantastic offers for both Business and Personal customers, or give us a call on 0800 311 8290.

Drop us a quick email to or chat with a member of our team NOW using our online ‘We Are Here!’ service – we’ll gladly answer any leasing questions you may have.

Find out more about our car leasing services and fantastic offers for both Business and Personal use. Give us a call today on 0800 311 8290.

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