Independent UK guidance on premium used cars, salary-sacrifice EVs, warranty and specialist insurance.
Updated 23 July 2026. PCP and HP for premium used cars, salary-sacrifice versus retail EV finance, early settlement maths and the FCA motor-finance redress path. Primary references: FCA PS26/3, FCA car-finance complaints guidance, Consumer Credit Act sections 99 and 100, plus GOV.UK company-car tax pages for the BiK leg. Start with negative-equity voluntary termination, sacrifice-versus-PCP, early settlement and pure-EV BiK rates 2026/27. Featured reading: PCP negative equity 2026: voluntary termination checklist · Salary sacrifice vs PCP EV 2026 · Early settlement on premium car finance 2026 · Company-car BiK rates 2026/27 for pure EVs
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