At Flexed, we like to believe that all of our customers keep within the laws of the road when driving around in their lease car or van, however if you do get caught for speeding either by a camera or a police officer, what happens next and what do you do? Let’s find out.
Who owns the lease car?
When you lease a car or van from Flexed, you don’t own the vehicle but simply pay a monthly amount that enables you to drive the lease car or van of your choice for an agreed period of time. Therefore, it’s the finance provider who remains the registered owner and keeper of your lease car or van for the duration of your chosen lease term and it is they who hold onto the V5C logbook relating to your lease vehicle.
What is the penalty for speeding in the UK?
Speeding penalties in the UK depend on how far over the limit you were and the type of road. In most cases, drivers face a fine and penalty points on their licence.
For minor offences, this is typically £100 and 3 points, but more serious cases can result in higher fines, up to 6 points, or even a court summons.
If the speeding ticket offence occurs in a lease car situation, the penalty itself is the same as any privately owned vehicle, but the process of receiving and handling the fine differs due to the involvement of the leasing company.
If I don’t own the leased car, do I still have to pay the speeding ticket?
Your leased car with a speeding ticket means the fine is initially passed to the finance provider.
If your finance provider receives a speeding ticket because you’ve broken the law and been caught in the act whilst driving your lease vehicle, they will simply post the speeding ticket onto you so that you can pay it.
You may also find that your finance provider charges an administration fee for this service which could cost you a further £25-30 on top of the fine.
If I ignore the speeding ticket on my leased vehicle will it just go away?
Once you receive your speeding ticket you must not ignore it, as doing so could result in the case going to court and may lead to much tougher penalties as a result.
It’s very important all our customers keep their details with us and their finance provider up-to-date at all times. This is so any driving penalties or speeding tickets can be forwarded on to you immediately for you to deal with.
What if I change address?
If you change address during your lease term you must contact the lease company.
If you’re with us here at Flexed, please get in touch by calling 0800 311 8290 so that we can update our records and please remember to inform your finance provider as well, as it is they who will receive the speeding ticket or driving penalty relating to your lease car or van in the event you’re caught breaking the rules of the road.
How will you receive your speeding fine?
In the UK, there are two ways in which you can be caught speeding – by a speed camera or by a police officer stood on the side of the road pointing a speed gun. If you get caught by the former, a speeding ticket is sent out to the registered owner and keeper of the vehicle within 14 days of the offence occurring.
However, because you are not the registered owner and keeper of your lease vehicle, any speeding tickets or driving penalties will be sent to your finance provider but that doesn’t mean that they’ll pay the fine on your behalf.
I have received a fine, what should I do?
If you receive a fine while driving a lease vehicle, you should:
- Check the details of the offence carefully
- Confirm whether the leasing company has already transferred liability to you
- Decide whether to pay or challenge the fine within the stated timeframe
- Be aware of any admin fees charged by your leasing provider
Delays can affect how the notice is handled, so act quickly to pay or appeal the speeding ticket for your car lease and especially in cases with a 14 day rule. The alternative is to appeal.
How do I contest a leased car speeding ticket?
If you believe the fine was issued incorrectly, you have the right to challenge it. The process typically involves:
- Waiting until the leasing company transfers liability to you
- Submitting an appeal to the issuing authority
- Providing evidence (e.g. incorrect signage, mistaken identity, or mitigating circumstances)
In a lease car speeding ticket case, you usually cannot appeal until you are officially named as the driver.
Do I still need to pay my lease if I get banned from driving?
Yes, you are still contractually obligated to make your lease payments even if you are banned from driving.
A driving ban does not cancel your lease agreement. If anything, it can make the situation more difficult, as you are paying for a vehicle you cannot use.
This applies regardless of whether the ban resulted from a lease car speeding ticket or another offence.
Top advice to lease car drivers
We hope that every one of our customers stays within the law when driving in their lease car or van from Flexed, however we realise that it’s not always easy.
Our advice is to stay calm when driving and never react to other drivers who may be acting in a selfish way on the road. Always wear your seatbelt and stay within the speed limits to avoid a speeding ticket.
We want our customers to enjoy driving their lease car or van without having to deal with any kind of issues that could spoil the whole experience.
About Flexed
Short term leasing with Flexed allows you to lease the car or van of your choice for a minimum of 28 days and after which you can simply return the vehicle, lease for longer or swap to another model or make without having to pay any additional charges.
Our rolling 28 day contracts enable you to ‘roll on’ your lease for as long as you want it to once you’re initial 28 days is up.
It’s the flexible way of leasing that doesn’t involve being tied into anything long term and puts you in full control of your leasing journey.
We also offer long term rentals from 3 months, 6 or 12 months – available on select vehicles only. Please call 0800 311 8290 to find out more.
All of our cars and vans available to lease at Flexed are less than 12 months old, with 85% being less than six-months old. Our entire fleet is changed every six months to ensure our customers always have the latest models to choose from.
Our 28-day price includes UK road tax, manufacturer warranty, breakdown cover, vehicle maintenance and 1,250 miles a month (additional mileages available). All that’s left for you to cover is insurance (fully comprehensive insurance policy only) and fuel, then you’re ready for the road.
Find your dream lease car here at Flexed
From medium cars to SUVs, from smaller motors to EVs, we offer affordable short-term leasing solutions that allow you to drive your dream car today. Whether you’re leasing for one month or one year, whether you’re older or younger, we have the solution for you.
Want to find out more about our latest short-term car leasing offers for both business and personal customers? Just email hello@autohorn.co.uk or call on 0800 311 8290, and our team will be happy to help.
