PCP, HP, PCH or cash? We compare the true total cost of a £25,000 car over 4 years across every financing option in 2026 — including EV salary sacrifice, the best deal on the market.
EV salary sacrifice is the most tax-efficient employee benefit available in 2026/27. With a 4% BIK rate and savings of up to 48% for higher-rate employees, here's exactly how it works, with a worked example on a £40,000 EV.
How much value new and used cars lose each year in 2026, which models hold value best, and how depreciation reshapes the buy-new-vs-used and lease-vs-own decision
Practical ways UK drivers can cut car insurance costs in 2026, from telematics and voluntary excess to mileage limits, multi-car policies and avoiding auto-renewal price hikes.
A 2026/27 comparison of taking a company car versus a cash car allowance, factoring Benefit-in-Kind tax, fuel, insurance and who really wins for petrol, hybrid and EV.
Personal leasing versus buying outright or on finance in 2026, comparing monthly cost, mileage limits, depreciation risk and who each option actually suits
PCP vs HP car finance in 2026 explained: how each works, the balloon payment, who ends up owning the car, total cost over the term, and which suits your situation.
How company car tax works in 2026/27: the 4% electric BIK rate vs 25–37% for petrol, worked take-home comparisons, P11D values, and why EVs still win on tax.
EV salary sacrifice in 2026/27 cuts the cost of a lease by 30-50% through income tax and NI relief, with BIK at just 4%. Full worked examples on £40k and £60k salaries.
How EV salary sacrifice works in 2026/27: the OpRA exemption for ultra-low-emission cars, 4% Benefit-in-Kind, the National Insurance and income tax saving, and a full worked example for basic and higher-rate employees.
Car allowance vs company car UK 2026: worked tax examples for cash, petrol, and EV options. BiK rates, AMAP rules, and when the allowance wins after tax.
True EV running costs 2026: home vs public charging, VED £425 supplement, insurance premium, 5-year total cost of ownership vs petrol, and smart tariff savings.
