Get an insured leased car with everything you need in a single package
The complete vehicle leasing solutionComplete Care is all about convenience. It allows you to lease an insured vehicle with everything you need in one simple, hassle free package.
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.
Complete Care has everything you need in one package – all you need to add is the fuel.
|Complete Care||Standard Lease|
|Insured Leased Vehicle||Included||Not Included|
|Third Party Cover & Own Damage Protection||Included||Not Included|
|Glass Protection||Included||Not Included|
|Accident Management||Included||Not Included|
|Total Loss Shortfall Protection||Included||Optional|
|Fixed Monthly Rentals||Included||Included|
|Cover Extends to Family||Included||Not Included|
|Fuel||Not Included||Not Included|
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. 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:
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.
At the time of driving, you must:
Frequently asked questions regarding our Complete Care package.
Complete Care (also known as Total Care) is a complete vehicle solution provided by Arval. It provides you with a comprehensively covered insured Contract Hire vehicle for a fixed monthly rental.
Complete Care provides a complete packages of services, these include:
Complete Care does not include cover for:
To be eligible for Complete Care, drivers of the vehicle must:
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.
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 you travel materially more miles than agreed (and the vehicle is recontracted) 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.
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.
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.
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.
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.
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:
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.
No, Complete Care does not take this into account on the premium.
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.
You must contact Arval at the earliest opportunity and make 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.
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:
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.
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 credit hire provider, Accident Exchange subject to acceptance.
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.
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. 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.
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.
You must notify the Police and then Arval (quoting your crime reference number) within 24 hours. Arval’s Accident Management provider will monitor the progress directly with the police. 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 for any future rentals. 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.
The lease will be terminated as soon as our assessors have confirmed 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. Your liability for the monthly rental of the vehicle will cease at this point.
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.
The Driver will need to ensure they comply with the legal requirement around the weight they will be towing. In regards to insurance cover, the car will be covered for all Complete Care services however the towing item i.e. a caravan etc. will only be covered for Third Party Liability only.
As your monthly rentals are, in part, determined by your postcode, if you move home during the term of your lease contract, the finance provider is entitled to adjust your monthly rentals, however this rarely happens. If you are considering a Complete Care deal and are intending to move house soon, we would suggest seeking a quotation based on the new postcode area.
Contact one of our friendly sales advisors to find out more about Complete Care and we'll be in touch to help you.