The best personal car leasing and business car leasing deals in the UK

Car Leasing with Insurance Deals

Total Care allows you to drive your lease car with total peace of mind as all maintenance and breakdown cover is included in the fee. Find your lease car with insurance today!

Total Care - The all in one vehicle leasing solution

Whether you’re looking for business or personal car leasing with insurance and maintenance packages, we’ve got you covered at All Car Leasing®. Taking out a car leasing deal with insurance included is a fabulous way to get the vehicle rental and insurance payment rolled into one. It’s convenient and easy to set up and available for most manufacturers and models we advertise. 

Finding your perfect lease car with insurance couldn’t be simpler, but since insurance prices can differ from person to person, give us a call or send us an email with your requirements to get a quote. Alternatively, you can enquire on any vehicle and state in the comments you’d like it fully insured.

Enquire now on car leasing with insurance

What is an insured lease vehicle?

Car lease including insurance is your contract hire agreement packaged with vehicle insurance, accident cover and maintenance in one monthly payment. Less hassle, more convenience and worry-free driving. At All Car Leasing, we are able to offer a fully insured vehicle as a lease deal on thousands of brand new cars.

Benefits of Car Lease Deals with Insurance

There are plenty of benefits to car leasing including insurance. With insurance included on your lease you can take unnecessary stress out of the process and guarantee your car arrives at your door ready to be driven the second you sit in it. Our total care option includes everything you need to enjoy a hassle free lease car with insurance. 

Personal and Business Car Lease Deals with Insurance

Here at All Car Leasing we are more than happy to accommodate whichever type of lease you're after whether its a personal car lease with insurance included or a business lease deal with insurance. Reduce the stress and hassle and add our total care package to be covered in every aspect of your lease.

Total Care Vs Regular Leasing


Total Care

Regular Leasing

Insured Leased Vehicle



Third Party Cover & Own Damage Protection



Maintenance Included



Breakdown Cover



Road Tax



Glass Protection



Accident Management



Total Loss Shortfall Protection



Fixed Monthly Rentals



Cover Extended To Family







Who is Eligible?

To qualify for Total Care, and getting your hands on a business or personal car lease with insurance and maintenance included, at the time of driving you must:

  • Be aged between 21 and 70
  • Be a holder of a Full UK/EU driving license which has been valid for at least 1 year
  • Meet the requirements of a Personal Car Hire or Business Car Hire
  • Be fit to drive as judged by the DVLA
  • Have no more than 6 points on your license
  • Have 2 or less fault claims within the last 2 years of the day of driving
  • Not have been banned from driving at any time in the last 5 years

Total Care Insured Lease Vehicle Frequently Asked Questions

If you’re still unsure about car leasing with insurance and want to understand more then please check the FAQs below or get in touch with one of our friendly team members who will be happy to assist you in your search for the perfect car lease deal.



Q. What is Total Care?

A. Total Care is an all in one lease vehicle solution provided by Arval. It provides you with an insured Contract Hire vehicle including all maintenance and breakdown cover for a fixed monthly rental fee.


Q. How much does it cost?

A. Each person’s circumstances and needs are different when it comes to choosing a car lease deal. The same goes for finding the most suitable car lease deal with insurance and maintenance included. To ensure you are getting the best package available for your needs, give us a call on 01565 880 880, email or send an enquiry from any vehicle page.


Q. Can I lease any vehicle with Total Care?

A. Practically any vehicle on our site can be leased with Total Care, but there are some restrictions in special circumstances, such as:

  • Vehicles which aren’t cars or LCVs
  • Vehicles weighing more than 3.5 tonnes
  • Vehicles which Arval do not own
  • Cherry Pickers
  • Ice Cream Vans
  • Left-hand drive vehicles
  • Vehicles with more than 8 seats for passengers

Apart from that, wherever you are in the UK, you will have a wide range of car leasing with insurance to choose from.


Q. What's included in the Total Care Package?

A. There are a couple of things that aren’t included in your Total Care Package. These include personal injury cover, legal expenses protection, personal belongings, loss of earnings cover and property damage (only cover for 3rd party property damage is included). This is because your cover is just against the lease car policy.


Q. Am I the policy holder?

A. Arval (UK) Ltd, who are the funder and owner of the car, is the policy holder on your behalf.


Q. Who is allowed to drive my vehicle?

A. If you’ve taken out Personal Car Leasing, Total Care is generous with who can drive the vehicle. As long as the leaseholder is the main driver on the insurance, the driver's spouse or partner and immediate family members (parents, siblings, children) can drive the car as long as they meet the eligibility requirements.

If you’ve taken out Business Car Leasing then any employee, employee’s spouse or partner and immediate family (parents, siblings, children) can drive the vehicle provided they meet the eligibility. However, we are not able to lease if the car will be used as a taxi, hired out etc.


Q. Who is the insurance provider?

A. The insurance provider at the time of writing for Total Care is AIG. The insurance cover will be in the name of Arval (UK).


Q. What to do if I have an accident?

A. If the car has been in an accident then it is the same as any other situation, you would need to get in touch with Arval (UK). Accident management is included in your package so you would need to contact Arval (UK) who will be able to take care of your vehicle and deal with any repairs that may be necessary, leaving you with one less thing to worry about.


Q. What happens if I have an accident and its my fault?

A. In the event of an incident where you are at fault, you will be required to pay the CIC (customer incident charge). This will also apply if the funder is unable to recover costs from a third party involved in the incident. How much you will have to pay depends on the number of “at fault” incidents that have taken place while you have leased the vehicle. For more information about the specific charge please give us a call, as it is variable depending on the number of previous incidents etc.


Q. What is a customer incident charge? (CIC)

A. The CIC is used to help cover the costs incurred due to an incident. If the repair costs are lower than the CIC, you will not be charged anything more than the cost to repair the vehicle.


Q. What is included in the maintenance cover?

A. Included in the maintenance package is regular servicing and maintenance such as MOTs. We can also arrange mobile fitters for problems such as exhausts, batteries, windscreens and tyres, even replacing tyres worn down naturally as well as punctures!


Q. If my vehicle breaks down, who should I contact?

A. In the unlikely event that your vehicle is having problems and needs repairs, then your first port of call is to speak with your vehicles manufacturer's local dealership to get it repaired or the finance company who owns the car. We have a full breakdown of what to do if your vehicle breaks down in our guides.


Q. If the vehicle is off the road due to an accident or for maintenance, am I entitled to a replacement?

A. Most main dealers will offer a courtesy vehicle whilst yours is being serviced or repaired, but if you can’t be without a vehicle, you can arrange a relief vehicle as an optional part of the contract, available after 24, 36 or 48 hours. Please note that the Total Care Package does not provide vehicle insurance for courtesy vehicles and this should be requested directly from the supplying dealer.


Q. What happens if the vehicle is stolen?

A. If you are unfortunate enough to have your vehicle stolen, you should contact Arval immediately with a police incident report number so the case can be looked into as soon as possible.


Q. What happens if the vehicle is written off?

A. In the event of your vehicle being written off, much like if your vehicle is stolen, you will need to contact Arval immediately to notify them of the situation. Arval can then terminate your lease with no financial shortfall to you, leaving you free to discuss a replacement vehicle.


Q. Am I covered for business use?

A. Yes! Total Care covers the driver for business use subject to trade usage detailed in the contract.


Q. Will the cost for Total Care change if I move address?

A. As with any type of car insurance, moving address could alter the cost of your Total Care package. Insurers take your postcode into account when they set the premiums for car insurance, so you should contact Arval UK immediately if you’re moving home. The change in address could alter your package amount to be higher or lower than the current premium dependent on whether the area you're moving into is deemed more or less ‘risky’ among other factors.


Q. Is insurance on a leased car more expensive?

A. There are many different factors that effect the cost to insure your vehicle. Some examples of these are age, NCD, gender, power of vehicle. Insuring a car that is leased is usually slightly more expensive than if you owned the car.


Q. Does car lease include road tax?

A. Yes. Road tax is included in the lease price of a vehicle and spread across the monthly payments. You don't have to worry about taxing the vehicle as the finance company handles this.