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Complete Care Cars

Get an insured leased car with everything you need in a single package

The complete vehicle leasing solution

Complete Care is all about convenience. It allows you to lease an insured vehicle with everything you need in one simple, hassle free package. With Complete Care, your insured lease includes a range of services including maintenance and breakdown cover for a fixed monthly rental. All you need to add is the fuel.

Watch our video to discover more of the advantages of Complete Care.

We're Award Winners!

Nationwide Vehicle Contracts is proud to have won the Provider of the Year award for Complete Care at the 2019 Arval UK Awards.

This means you can rest assured that you’re dealing with an award-winning provider, trusted for our expertise and high level of service.

What's included

Complete Care has everything you need in one package – all you need to add is the fuel.

Insured Leased Vehicle

Save yourself the time and hassle of comparing insurance quotes every year. Complete Care gives you an insured leased vehicle, so you’re covered for the cost of repairs for accident, fire or theft for the whole of your lease.

Breakdown cover

Complete Care includes complete cover. In the unlikely event of a breakdown, the AA cover ensures you’ll never be stationary for long. It even includes a replacement vehicle for the first 48 hours if your car needs to be repaired.

Maintenance and repairs

All routine maintenance is covered in your Complete Care contract, so you can relax knowing your car will stay in tip-top shape with regular maintenance and servicing throughout your lease term.

Accident management

Should you have an accident, a dedicated team will take care of your vehicle, dealing with any repairs that may be necessary, leaving you with one less thing to worry about.

Complete Care

Standard Lease

Insured Leased Vehicle

Third Party Cover & Own Damage Protection

Maintenance Included

Breakdown Assistance

Road Tax

Glass Protection

Accident Management

Total Loss Shortfall Protection

Fixed Monthly Rentals

Cover Extends to Family

Fuel

Complete care: All In One Deals

Fiat 500 Hatchback

Insured Leased Vehicle with Maintenance Included

£240.18

Citroen C3 Hatchback

Insured Leased Vehicle with Maintenance Included

£247.96

Peugeot 208

Insured Leased Vehicle with Maintenance Included

£263.53

Mazda 2 Hatchback

Insured Leased Vehicle with Maintenance Included

£291.34

Volkswagen Polo

Insured Leased Vehicle with Maintenance Included

£300.24

SEAT Arona

Insured Leased Vehicle with Maintenance Included

£305.80

Ford Focus Hatchback

Insured Leased Vehicle with Maintenance Included

£352.51

Volkswagen ID.5

Insured Leased Vehicle with Maintenance Included

£414.15

Cupra Formentor

Insured Leased Vehicle with Maintenance Included

Low initial rental available on this vehicle

£449.27

Ford Focus Estate

Insured Leased Vehicle with Maintenance Included

£449.27

Mazda CX-60

Insured Leased Vehicle with Maintenance Included

£589.75

Land Rover Range Rover Sport

Insured Leased Vehicle with Maintenance Included

£1,976.55

Who is eligible?

At the time of driving, you must:

For high value electric vehicles, the following eligibility criteria applies:

Got questions?

Frequently asked questions regarding our Complete Care package.

What is Complete Care?

Complete Care (also known as Total Care) is a complete vehicle solution provided by Arval. It provides you with a insured Contract Hire vehicle for a fixed monthly rental.

What is included in Complete Care?

Complete Care provides a complete packages of services, these include:

What is excluded in Complete Care?

Complete Care does not include cover for:

Who is eligible for Complete Care?

To be eligible for Complete Care, drivers of the vehicle must:

For high value electric vehicles, the following eligibility criteria applies:

Full eligibility criteria and restrictions are detailed in a schedule to your contract. It is important that you understand what this criteria is and that you comply with the criteria at all times as you could invalidate the insurance for the vehicle if you do not.

Is the fee for Complete Care fixed for the Contract Term?

Yes, your monthly rental will only change if you mutually agree a change (if applicable) with the finance provider or as a result of Arval exercising its rights under the contract. For example, if there is a change in overnight postcode, an increase in your contracted mileage, or the vehicle is involved in two or more at fault incidents in a 12-month period. In which case, Arval will discuss your options with you.

Who is allowed to drive my vehicle?

For customers on a Personal Contract Hire agreement, the driver’s spouse or partner and immediate family (i.e. parents, siblings or children) can drive the vehicle provided they fit the eligibility criteria.

For customers on a Contract Hire agreement, any employee of the company and their spouse, partner or immediate family (i.e. parents, siblings or children) can drive the vehicle, provided they fit the eligibility criteria.

For high value electric vehicles, the driver, driver's spouse or partner can drive the vehicle, provided they fit the eligibility criteria.

There is no limit on the number of additional drivers, providing they meet the criteria.

Restrictions and exclusions also apply, for example, in relation to age, driver history (including medical) and use of the vehicle. 

Who provides the cover for my vehicle?

AIG insure the vehicle for third party liability cover. The Insurance Policy is in the name of Arval UK Ltd who hold this policy on your behalf.

Arval provide cover for the Own Damage Protection. You will not be responsible for the costs but you will be required to pay the Customer Incident Charge which is explained in more detail below. The Own Damage Protection will not protect you against damage caused or resulting from driver abuse of neglect. 

What is Own Damage Protection?

Arval will responsible for repairing any damage to your vehicle resulting from an accident. You will not be responsible for the costs but you may need to pay a Customer Incident Charge (CIC) if you are found to be “at fault”. 

The Own Damage Protection does not include routine maintenance and will not protect you against any damage caused or resulting from driver abuse or neglect. If any damage is caused by the fault of a third party then Arval will recover the costs directly from them.

Am I covered for business travel?

Yes, your Complete Care package covers you for both Business and Personal use of your leased vehicle. All vehicles are acceptable for trade and usage except for the below:

Please note, if you make a misrepresentation of your eligibility, then cover can be withdrawn and no claim will be paid out. 

What is an incident?

An incident is an event or accident resulting in damage, loss or theft of the Complete Care vehicle or damage to a third party property or personal injury/death of a third party.

An incident will be considered at fault if Arval is unable to recover the costs from the responsible third party. This includes theft, fire, vandalism and weather events.

Where it’s been established that you aren’t at fault, Arval will attempt to recover costs from the responsible party. This could involve legal proceedings, where you may need to give evidence to support the claim in court. 

If the losses aren’t recoverable due to any act or omission by you or your driver, then Arval reserve the right to invoice any losses to you.

Will my no claims history be taken into account on my premium?

No, Complete Care does not take this into account on the premium.

Can I request a no claims bonus letter after my vehicle contract is ended?

Arval can provide a driver history letter which will detail that the driver has had a lease vehicle for an agreed amount time and has incurred zero claims within this period under the Complete Care agreement. This will be available upon request. Arval cannot guarantee all insurance companies will accept the documentation they provide. 

I’ve had an accident, what do I do?

You must contact Arval at the earliest opportunity, ideally within 24 hours of the incident taking place, making sure that it is safe and legal to do so. Please call Arval’s driver support contact centre on 0370 600 4499 and select ‘report an accident’.

Arval’s Accident Management partner will record the relevant details and either get your vehicle recovered if it is immobile or allocate a repairer.

I’ve had an accident, will I have to make any payments?

In the event of an incident where it is considered that you are “at fault”, you will be required to pay an excess known as a Customer Incident Charge (CIC). The CIC varies depending on the number of “at fault” incidents incurred during the contract term. This is designed to maintain a fixed monthly rental for the duration of your contract. It is necessary to levy a higher incident charge when there have been multiple incidents during the contract term. This is an escalating charge as follows:

For high value electric vehicles, the CIC is as follows:

The CIC is only charged where you are considered to be at fault including where you have damaged your vehicle or caused damage to a third party. If an identified third party is at fault, monies will be recovered from them. 

The CIC is a contribution to the losses incurred by Arval as a result of the incident. If the repair costs are less than the CIC, then Arval will only charge you the cost of the repair. If a repair is lower than the relevant incident level then a CEP (Customer Elected Payment) is applied.

Am I entitled to a replacement vehicle when mine is off the road due to an accident?

You are entitled to a courtesy car for the duration of the vehicle repair and is subject to the repairer’s conditions. Please note this will not be a like for like replacement of your existing lease vehicle.

If you are involved in an incident where the Third Party has been identified and proved at fault, you may be provided with a vehicle similar to your current lease through Arval's non-fault hire provider, Auxillis, subject to acceptance.

If your vehicle is stolen and not recovered, you will not be provided with a replacement vehicle. 

Am I entitled to a replacement vehicle when mine is off the road due to a mechanical failure / maintenance work?

If the repairer has a courtesy vehicle available, while your vehicle is being repaired, then you can utilise this subject to their conditions, and the insurance cover costs and / or any administration fee must be paid for directly to the repairer by yourself. 

What is Glass Protection?

Arval is responsible for repairing and replacing the body glass to your vehicle. You must report the damage to Arval and the repair will be arranged via Arval’s network. 

You will be required to pay a per incident charge which is fixed at £100 per incident where it is necessary to replace the glass. For high value electric vehicles (Tesla Model 3, Y, S & X, Porsche Taycan, Audi e-tron GT and Mercedes Benz EQS), the incident charge is £250.

No CIC applies where the glass is repaired. The glass CIC does not count towards the escalating CIC for incidents.

To report an incident or for glass replacement call the Arval Driver Contact Centre on 0370 600 4499.

What is included in the maintenance cover?

Arval cover the costs of all routine work that is due to occur during the contract term (based on manufacturer guidelines). This will include servicing, maintenance, repairs, premium tyres*, batteries, breakdown cover, exhaust and any worn items.

*Arval has a Fair Play policy on tyres. This means that damaged tyres will be replaced inside the maintenance budget. Replacements in the event of abuse, neglect, theft or vandalism will be recharged.

Arval’s maintenance scheme does not cover driver abuse items, damage or replacement as a result of neglect. These charges will be billed via a vehicle services invoice.

If you need servicing work or tyres, please contact the Arval Driver Contact Centre on 0370 600 4499 and they will assist you with a local supplier.

What happens if my vehicle is stolen?

You must notify the Police and then Arval (quoting your crime reference number) within 24 hours. After 21 days if the vehicle hasn’t been recovered, or has been recovered but has been deemed a total loss, then the vehicle lease will be terminated at Arval and your monthly rental liability will cease. At this point, Arval will invoice the relevant Customer Incident Charge (CIC) to you.

If there has been an act, omission or negligence by you or your driver which contributed to, or resulted in the theft of the vehicle (e.g. if the keys are left in the car) then the termination costs will be borne by you. If at a later point the vehicle is recovered and sold or any monies are received, these will be credited back to you up to the value of the charge you received.

What happens if my vehicle is deemed a total loss as a result of an incident?

The lease will be terminated within 48 hours of Arval's assessors confirming the vehicle is not economic to repair. At this point, if you were considered to be “at fault”, Arval will invoice the Customer Incident Charge (CIC) due to you. You will be responsible for the whole month's rental at the point of termination. 

If there is a third party at fault, Arval will seek to recover the costs from the third party’s insurers. If the losses are not recoverable due to any act or omission by you / the driver, then Arval reserve the right to invoice any losses to you.

What are rules around towing?

The Driver will need to ensure they comply with the legal requirement around the weight they will be towing. Any damage to a trailer or caravan is not covered under Complete Care. However, you will be covered for any damage caused to a third party in accordance with UK legislation. 

What should I do if the overnight address changes?

You'll need to call Arval to declare a change of overnight postcode. Please contact Arval on 0370 600 4499 to discuss in more detail. 

Still have questions?

Contact one of our friendly sales advisors to find out more about Complete Care and we'll be in touch to help you.

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© 2024 Copyright Nationwide Vehicle Contracts Limited. All Rights Reserved. Nationwide Vehicle Contracts Limited is authorised and regulated by the Financial Conduct Authority, FRN 668741. Nationwide Vehicle Contracts Limited is a credit broker not a lender. Vehicles shown are for illustration purposes only. All offers are subject to change at any time and are subject to finance approval and vehicle availability. Nationwide Vehicle Contracts Limited is registered in England and Wales under Company No: 4408958. Our registered address is Unit 9, Christie Way, Christie Fields, Manchester M21 7QY. VAT Registration No: 784493286 ICO Registration: Z8731077 BVRLA Member 1501.

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Complete Care Terms and Conditions

Complete Care is available to drivers aged between 21-70 with no more than 2 “at fault” claims in the last 2 years and no more than 6 points on driving licence. The driver must not have been subject to a driving ban in the last 5 years and must have held a full UK/EU licence for at least one 1 year. High value electric vehicles are available to drivers aged between 25-70 with no “at fault” claims in the last 2 years and no points on driving licence. The driver must not have been subject to a driving ban and must have held a full UK/EU licence valid for at least 5 years.  Prices are based on the postcode of the customer. 72% of our customers would qualify for the advertised price however a confirmed rate will be sent in writing upon request.

In the event of an incident resulting in damage, loss or theft to the vehicle, the customer will be required to pay an excess known as a Customer Incident Charge (CIC) if they are found to be “at fault”. The CIC varies depending on the number of “at fault” incidents for the vehicle and is an escalating charge as follows:

For high value electric vehicles, the CIC is £1000 for the Tesla Model 3 & Y, Porsche Taycan and Audi e-tron GT and £2000 for the Tesla Model S & X and Mercedes-Benz EQS. 

If a repair is lower than the CIC, then the customer will only be charged for the loss, also known as a Customer Elected Payment (CEP).

Full eligibility criteria, restrictions and policy exclusions are available upon request.