How to make your employees happier (at no extra cost) in partnership with

Size: px
Start display at page:

Download "How to make your employees happier (at no extra cost) in partnership with"

Transcription

1 How to make your employees happier (at no extra cost) in partnership with

2 We specialise in making employees happy through cars Welcome to CPC Drive in partnership with Tusker, we re the UK s leading Car Benefit company. We work together to provide award winning Salary Sacrifice and Lease Car schemes throughout the UK. In October 2010 we were awarded the OJEU Framework Reference 2010/ S to support the provision of this for NHS and public sector organisations. We were re-awarded this framework at the end of 2013 (OJEU Framework Reference 2013/S ). We help hundreds of organisations from Newcastle Upon Tyne Hospitals to the London Ambulance Service, offer brand new cars to their employees. We look forward to helping you make your employees happy. David Hosking Chief Executive Officer Tusker Julian Clarke Head of CPC Drive Fleet Services NOE CPC

3 of employees are happy with the scheme and would recommend it average savings per year when employees get a car through the scheme average employee take up over three years

4 Saving money with Tusker See how much you and your employees can save. Example of the average employer saving Value of the car (P11d) 18,500 Benefit in Kind* 18% Gross salary sacrifice per month 370 Class 1 NIC saving on salary sacrificed per month Class 1a NIC due on the benefit per month Pension Contribution reduction Net Savings on Class 1 NIC Net saving per employee per month Net saving per employee per year Total saving after 3 years** 697,302 *Sub 95 g/km CO 2 diesel vehicle or Sub 110 g/km CO 2 petrol vehicle **Example based on an organisation with 5,000 eligible employees and a take up rate of 3% per year Example of the average employee saving in pension scheme 20% tax payer 40% tax payer Value of the car (P11d) 18,500 18,500 Benefit in Kind* 18% 18% Gross salary sacrifice per month Tax saving NI saving per month Benefit in Kind per month* Pension Contribution saving Net cost to employee per month Total saving per month Total saving per year 1, *Sub 95 g/km CO 2 diesel vehicle or Sub 110 g/km CO 2 petrol vehicle

5 The benefits for you The scheme is a win-win for employers and employees alike, here s why. 1. It saves you money Every year you can save an average of 770 and your employees can save an average of 1,000 and they don t have to pay a deposit. 2. It s worry free We offer a range of protections to mitigate the cost of employees going on maternity, sick leave, leaving their job or being made redundant. 3. We save you time We make running a scheme simple. From reducing admin with our clever online system to working with you every step of the way to promote the scheme and ensure it s easy for employees to take up. 4. It s a great perk for your employees For no extra cost you can motivate and retain your current employees and appeal to new talent with the ultimate employee benefit, a brand new car. 5. The scheme s greener than green New cars are the greenest on the market with lower CO 2 emissions. Plus we offset the carbon for every car making them carbon neutral. Perfect for improving your carbon footprint..

6 The benefits for your employees 5 big reasons why employees choose a car. 1. They get a brand new car Employees choose the make and model and we deliver a brand new car to their door. 2. It saves them money The cost of the car comes out of your employees salary pre-tax, making their income go even further with an average saving of 1,000 each year. 3. All the running costs are included Everything from MOTs and car insurance to breakdowns and repairs is covered in our fixed monthly amount. The only thing employees pay for on top is fuel. 4. No deposit needed With the Car Benefit Scheme employees don t pay a deposit (most car dealers will ask for a fairly hefty amount). 5. No credit checks Any employee can enjoy a car, whatever their credit history.

7 Make it the complete solution with our Lease Car Scheme Along with The Car Benefit Scheme we re also leasing experts, offering you a simple way to manage company cars for your essential users. Through our all-inclusive package, running a fleet has never been easier.

8 The Car Leasing Scheme Five reasons why it could be the solution for you. 1. Less hassle The scheme is fully outsourced to us, relieving you from the everyday burden of running a fleet. 2. We make the process simple Our advanced online system offers a speedy way for employees to order a car and for you to track and manage your fleet. 3. Our system improves total management of the scheme With automated reports generated through our sophisticated system you can access information at the click of a button enabling quality improvement and cost savings. 4. It s the complete solution We ll tailor a package designed around your fleet management needs, whether it s accident management, daily rental, fuel cards, mileage management or a complete package, we ve got you covered. 5. We re with you every step of the way You ll be fully supported with a dedicated Account Development Manager and Customer Services Team, delivering you first class customer service and the perfect outsourced solution..

9 Don t take our word for it Here s what some of our customers have to say... It is very easy to get quotes and order new cars online through the system, while the delivery of new vehicles has been efficient and on time. We have also been very happy with the levels of support, commitment and service that Tusker has provided. David Malone The Newcastle Upon Tyne Hospitals NHS Foundation Trust I m on my second car on the scheme and have found the overall experience to be an easy journey to follow and understand. The staff are always very helpful and polite. Emma Varty Leeds Community Healthcare NHS Trust I was sceptical about getting a lease car at first, but it was an absolute dream from the initial viewing of the cars on the site, to ordering, and then right the way through to the car being delivered. I would highly recommend this as the service I have been given so far has been exceptional! I have had my car 11 months now, love it, and have just booked it s first service - with absolutely NO hassle whatsoever! Karen Hyrons The Newcastle Upon Tyne Hospitals NHS Foundation Trust

10 Who we work with We are proud to work with hundreds of organisations including:

11 Get in touch to find out more about us today cpcdrive.nhs.uk in partnership with

The eight levers of vehicle optimisation

The eight levers of vehicle optimisation The eight levers of vehicle optimisation For a business that s going places What s next? Introduction When you re a growing business, running a fleet of vehicles can be one of your biggest costs. So any

More information

University of Exeter Frequently Asked Questions

University of Exeter Frequently Asked Questions University of Exeter Frequently Asked Questions CONTENTS 1. About the Scheme and Salary Sacrifice Arrangements... 2 2. Pension Schemes... 5 3. Ordering a Car... 6 4. Taking Delivery of a Car... 7 5. Leaving

More information

Get the car you love the smart and easy way

Get the car you love the smart and easy way Get the car you love the smart and easy way Your Guide to Novated Leasing What is Novated Leasing? Novated Leasing made easy A Novated Lease is a three way agreement between you, Custom Fleet and your

More information

The easy road to your new car

The easy road to your new car The easy road to your new car Fleetcare Novated Leasing So what exactly is a Fleetcare? If you want an easy way to save money on buying and running your next car, a Fleetcare is perfect. A novated lease

More information

1. About the Scheme and Salary Sacrifice Arrangements

1. About the Scheme and Salary Sacrifice Arrangements CONTENTS 1. About the Scheme and Salary Sacrifice Arrangements... 2 2. NHS Pension Scheme... 5 3. Ordering a Car... 6 4. Taking Delivery of a Car... 8 5. Leaving the Scheme Early... 10 6. Long Term Leave

More information

Salary Sacrifice Car Scheme

Salary Sacrifice Car Scheme Salary Sacrifice Car Scheme ABOUT THE SCHEME SALARY SACRIFICE PROVIDES THE OPPORTUNITY FOR ALL ELIGIBLE EMPLOYEES TO HAVE ACCESS TO A BRAND NEW VEHICLE Salary sacrifice allows you to pay for a car by reducing

More information

Offer your employees extra work benefits!

Offer your employees extra work benefits! Offer your employees extra work benefits! Managing a business in a rural or remote location can be a challenging, yet rewarding experience for both you and your employees. In order to attract and retain

More information

Welcome To TCH Salsa...

Welcome To TCH Salsa... Contents Welcome To TCH Salsa... TCH Salsa is a scheme which enables employees to acquire a brand new car every 2 or 3 years under a Salary Sacrifice arrangement with their employer. You agree to a reduction

More information

Making Every Pound Count

Making Every Pound Count WORKFORCE & OD COMMITTEE 09 DECEMBER 2014 AGENDA ITEM 2.6 LEASE CAR SALARY SACRIFICE SCHEME Report of Director of Workforce and Organisational Development Paper prepared by Purpose of Paper Assistant Director

More information

Part 10 Fleet Funding & Taxation A Fleet Managers Guide

Part 10 Fleet Funding & Taxation A Fleet Managers Guide Introduction This section of the Volkswagen Fleet Managers Guide looks at two areas that are completely linked within the UK system, simply because there are different tax treatments for different funding

More information

Using Car Benefits to Drive Engagement

Using Car Benefits to Drive Engagement Using Car Benefits to Drive Engagement Transport of the future? Let s get started Established 25 years ago, we are 1 2 A multi award-winning leading provider of vehicle based benefits The UK s largest

More information

Summer Special Offers.

Summer Special Offers. Summer 2018 Special Offers www.tchsalsa.co.uk Contents Welcome To TCH Salsa... TCH Salsa is a scheme which enables employees to acquire a brand new car every 2 or 3 years under a Salary Sacrifice arrangement

More information

Staff Car Lease Scheme

Staff Car Lease Scheme Staff Car Lease Scheme Under 100g/km C0 2 = Zero Road Tax Electric and Hybrid cars included Contact Staff Travel stafftravel@fhft.nhs.uk http://stafftravel.co/fph How to apply The Trust objectives are

More information

KEY GUIDE. Making the most of fringe benefits

KEY GUIDE. Making the most of fringe benefits KEY GUIDE Making the most of fringe benefits Why should you consider fringe benefits? A fringe benefit is essentially any type of non-monetary compensation provided to an employee or director, and can

More information

How to start a limited company

How to start a limited company How to start a limited company 020 8582 0076 www.pearlaccountants.com How to start a limited company Working as a freelancer, contractor, or small business owner can be incredibly rewarding, but starting

More information

KEY GUIDE. Making the most of fringe benefits

KEY GUIDE. Making the most of fringe benefits KEY GUIDE Making the most of fringe benefits Why fringe benefits? A fringe benefit is essentially any type of non-monetary compensation provided to an employee or director, and can be anything from pension

More information

Prepare for Automatic Enrolment

Prepare for Automatic Enrolment Section title Sage 50 Payroll: Auto Enrolment Edition and The Pensions Module Prepare for Automatic Enrolment 1 What is Sage 50 Payroll? New Sage 50 Payroll: Auto Enrolment Edition Manage your people What

More information

Lease Car Policy. Ref FIN-0005-v4. Status: Ratified Document type: Policy

Lease Car Policy. Ref FIN-0005-v4. Status: Ratified Document type: Policy Lease Car Policy Ref FIN-0005-v4 Status: Ratified Document type: Policy Contents 1 Why we need this policy... 3 1.1 Purpose... 3 2 Scope... 3 2.1 Who this policy applies to... 3 2.2 Related documents...

More information

The Audi guide to contract hire Getting the most from your leasing provider

The Audi guide to contract hire Getting the most from your leasing provider The Audi guide to contract hire Getting the most from your leasing provider Audi Fleet supports Business January 2013 : why choose contract hire? Contract hire is the most popular funding method in the

More information

KEY GUIDE. Making the most of fringe benefits

KEY GUIDE. Making the most of fringe benefits KEY GUIDE Making the most of fringe benefits KEY GUIDE January 2019 Making the most of fringe benefits 2 Introduction MORE THAN JUST A SALARY While pay rises are normally popular, they aren t the only

More information

Driver Information Kit

Driver Information Kit Driver Information Kit Welcome Welcome to Smartleasing Thank you for taking out a lease with us. We re here to make packaging your vehicle lease hassle-free. We focus on exceptional customer service and

More information

Welcome to Peugeot Contract Hire

Welcome to Peugeot Contract Hire Welcome to Peugeot Contract Hire Welcome to a World of Design and Innovation Our aim at Peugeot Contract Hire is to deliver the kind of ownership experience you would expect from one of the world s great

More information

EASISALARY NOVATED LEASING. easisalary.com.au

EASISALARY NOVATED LEASING. easisalary.com.au EASISALARY NOVATED LEASING easisalary.com.au REDUCED INCOME TAX NO GST ON THE PURCHASE PRICE FLEET DISCOUNTED RUNNING COSTS NOVATED LEASING An easisalary novated lease makes vehicle ownership a money saving

More information

Sage 50 Payroll. New. Payroll software for small to medium sized businesses who need complete control and confidence in their payroll process.

Sage 50 Payroll. New. Payroll software for small to medium sized businesses who need complete control and confidence in their payroll process. New Payroll software for small to medium sized businesses who need complete control and confidence in their payroll process. 1 What is Sage 50 Payroll? Sage 50 Payroll provides you with the confidence

More information

KEY GUIDE. Making the most of fringe benefits

KEY GUIDE. Making the most of fringe benefits KEY GUIDE Making the most of fringe benefits Why should you consider fringe benefits? Whilst pay rises are normally popular, they aren t the only way to reward employees and directors. A fringe benefit

More information

TAX TAX & ACCOUNTANCY & ACCOUNTANCY

TAX TAX & ACCOUNTANCY & ACCOUNTANCY TAX & ACCOUNTANCY Open and friendly approach We are local to you, with a free initial consultation. Happy to meet you out of hours too. Up-front pricing Fixed fees, payable monthly, no surprises. Easy

More information

JUST ADD FUEL We ve got the rest covered

JUST ADD FUEL We ve got the rest covered Introduction to your Car Salary Exchange Scheme JUST ADD FUEL We ve got the rest covered Seat Leon 1.0 TSI SE Tech From only 274* per month /CarSalaryExchange /CarSalExchange Tel 0344 85 45 161 Email info@carsalaryexchange.co.uk

More information

POLICY & PROCEDURE FOR THE OPERATION OF THE TRUST CAR SCHEME

POLICY & PROCEDURE FOR THE OPERATION OF THE TRUST CAR SCHEME Directorate of Facilities & Information POLICY & PROCEDURE FOR THE OPERATION OF THE TRUST CAR SCHEME Reference: FMP013 Version: 4.0 This version issued: 20/02/12 Result of last review: Major changes Date

More information

EASIFLEET NOVATED LEASING

EASIFLEET NOVATED LEASING EASIFLEET NOVATED LEASING KNOW WHAT DRIVES YOU easifleet.com.au REDUCED INCOME TAX NO GST ON THE PURCHASE PRICE FLEET DISCOUNTED RUNNING COSTS NOVATED LEASING NOVATED leasing is an arrangement between

More information

EMPLOYMENT BENEFITS.

EMPLOYMENT BENEFITS. EMPLOYMENT BENEFITS Employment Benefits Today the remuneration of many directors and employees comprises a package of salary and benefits. Essentially two tests must be applied in determining the tax implications

More information

Salary Sacrifice. A tax-efficient and cost-saving green fleet solution.

Salary Sacrifice. A tax-efficient and cost-saving green fleet solution. Salary Sacrifice. Salary Sacrifice. A tax-efficient and cost-saving green fleet solution. Alphabet Salary Sacrifice. Satisfaction guaranteed for you and your employees. Salary Sacrifice is the perfect

More information

Employee benefits that benefit employers too

Employee benefits that benefit employers too Employee benefits that benefit employers too Take time to appreciate employees and they will reciprocate in a thousand ways. Dr. Bob Nelson a leading expert on employee motivation How can you have your

More information

6 Reasons to Add a Medicare Advantage Plan to Your Group Coverage

6 Reasons to Add a Medicare Advantage Plan to Your Group Coverage 6 Reasons to Add a Medicare Advantage Plan to Your Group Coverage Your employees work hard for you and help your business succeed. A health plan is one of the most important benefits you can offer them

More information

IT COULD HAPPEN TO YOU

IT COULD HAPPEN TO YOU INCOME PROTECTION thank you IT COULD HAPPEN TO YOU We often say, It won t happen to me. But, if an accident, sickness or redundancy strikes, it could put a swift halt to your income. So it s worth considering

More information

WE ENJOY THE LITTLE MOMENTS IN LIFE.

WE ENJOY THE LITTLE MOMENTS IN LIFE. FLEXIBLE FINANCE CONTENT WELCOME 05 LEXUS CONNECT CONTRACT PURCHASE 06 LEXUS CONNECT CONTRACT HIRE 10 OTHER FINANCIAL PRODUCTS 14 PRODUCT SUMMARY 18 IMPORTANT INFORMATION FOR BUSINESS USERS 20 OUR INSURANCE

More information

YOUR MINI, YOUR WAY. MINI FINANCIAL SERVICES.

YOUR MINI, YOUR WAY. MINI FINANCIAL SERVICES. YOUR MINI, YOUR WAY. MINI FINANCIAL SERVICES. PUT YOURSELF IN THE DRIVER S SEAT. MINI Financial Services offers packages that are designed to help you get your hands on the MINI of your choice. Be it long

More information

Auto Insurance. Good Drivers are Responsible Drivers. Why Auto Insurance?

Auto Insurance. Good Drivers are Responsible Drivers. Why Auto Insurance? Auto Insurance Good Drivers are Responsible Drivers. Auto insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of

More information

Mercedes-Benz Finance Your finance options guide.

Mercedes-Benz Finance Your finance options guide. Mercedes-Benz Finance Your finance options guide. Choosing Mercedes-Benz is just the start We are the only finance partner who has the full backing of our manufacturer, Mercedes-Benz, and we only finance

More information

What is the Cycle to Work Scheme?

What is the Cycle to Work Scheme? What is the Cycle to Work Scheme? The Cycle to Work scheme is a Government initiative created to encourage more people to adopt cycling as a means of active travel and to establish cycling as a healthy

More information

LOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio

LOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio LOOK FORWARD TO MORE CHOICE MORE FREEDOM Pension Portfolio A guide to Income Release 2 A GUIDE TO INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works

More information

Client Resource. Company car taxation. A guide for clients. BWM, Castle Chambers, 43 Castle Street, Liverpool, L2 9SH

Client Resource. Company car taxation. A guide for clients. BWM, Castle Chambers, 43 Castle Street, Liverpool, L2 9SH Company car taxation A guide for clients www.bwm.co.uk 0151 236 1494 What s new for 2018/19? Despite year-on-year tax rises, company cars remain a popular benefit. While the tax cost of expensive high-emission

More information

Limited vs. Sole Trader Guide

Limited vs. Sole Trader Guide Limited vs. Sole Trader Guide ACCOUNTS DIRECT LIMITED 37th Floor, 1 Canada Square Canary Wharf, London, E14 5AA Telephone: 0333 5775332 Fax: 0207 183 1550 Email: info@account-direct.com Contents Limited

More information

THE NHS STAFF COUNCIL WORKING IN PARTNERSHIP REVIEW OF MILEAGE PAYMENTS. Consultation document

THE NHS STAFF COUNCIL WORKING IN PARTNERSHIP REVIEW OF MILEAGE PAYMENTS. Consultation document THE NHS STAFF COUNCIL WORKING IN PARTNERSHIP REVIEW OF MILEAGE PAYMENTS Consultation document Working in partnership as a sub-group of the NHS Staff Council the Mileage Sub Group has been reviewing the

More information

COMPANY CAR ALLOWANCE SCHEME

COMPANY CAR ALLOWANCE SCHEME COMPANY CAR ALLOWANCE SCHEME CAR ALLOWANCE V S COMPANY CAR Companies have traditionally provided employees with a fully expensed company car. The level of car that an employee receives often depends on

More information

The Fuel & Go Car Lease Scheme

The Fuel & Go Car Lease Scheme The Fuel & Go Car Lease Scheme Frequently Asked Questions If you have any further questions or would prefer to talk to someone please speak to one of the Novalease Consultants on 085 868 12 Contents Page

More information

2018/19 GUIDE TO... Business Motoring. Chartered Accountants Registered Auditors

2018/19 GUIDE TO... Business Motoring. Chartered Accountants Registered Auditors 2018/19 GUIDE TO... Business Motoring Chartered Accountants Registered Auditors 020 8731 0777 www.cohenarnold.com YOUR GUIDE TO... Business Motoring With changes to the company car rules taking effect

More information

Welcome to RBSelect. Take time now to check out all the benefits available to you as a new joiner.

Welcome to RBSelect. Take time now to check out all the benefits available to you as a new joiner. Welcome to RBSelect. Take time now to check out all the benefits available to you as a new joiner. RBSelect New Joiner Guide 2013/2014 www.rbspeople.com/rbselect You re the best person to decide which

More information

PES viewpoint. Salary sacrifice: The future

PES viewpoint. Salary sacrifice: The future PES viewpoint Salary sacrifice: The future Salary sacrifice what s changed? Contents Welcome to Optional Remuneration Arrangements. 3 How salary exchange works 3 Example: cycle to work scheme Benefits

More information

Staff benefit car lease scheme. NHSFS

Staff benefit car lease scheme.   NHSFS Staff benefit car lease scheme www.nhsfleetsolutions.co.uk NHSFS 010618 The car lease scheme Overview The Scheme is designed to provide you with competitively priced and trouble free motoring. Under the

More information

Automatic Enrolment Frequently Asked Questions

Automatic Enrolment Frequently Asked Questions Automatic Enrolment Frequently Asked Questions This guide answers some of the questions you may have about automatic enrolment, workplace pensions and True Potential Investor. Contents Q 01 Q 02 Q 03 Q

More information

JUELMIN INSURANCE SERVICES

JUELMIN INSURANCE SERVICES JUELMIN INSURANCE SERVICES Customised protection for the things that matter most. Motor Medical Travel Life Property Marine Engineering Accident & Liability www.juelmin.com THE FUTURE. INSURED. A NOTE

More information

Wealth Management. All the financial help you need. Life is all about peace of mind. So you need a friend in your corner.

Wealth Management. All the financial help you need. Life is all about peace of mind. So you need a friend in your corner. Wealth Management. All the financial help you need. Life is all about peace of mind. So you need a friend in your corner. Dukes gives you peace of mind... The most important things in your life are the

More information

LEXUS CONNECT YOUR FLEXIBLE FINANCE OPTIONS

LEXUS CONNECT YOUR FLEXIBLE FINANCE OPTIONS LEXUS CONNECT YOUR FLEXIBLE FINANCE OPTIONS CONTENT WELCOME 05 LEXUS CONTRACT PURCHASE 06 LEXUS CONTRACT HIRE 10 OTHER FINANCE PRODUCTS 14 PRODUCT SUMMARY 19 IMPORTANT INFORMATION FOR BUSINESS USERS 21

More information

Is it time to talk about you-know-what?

Is it time to talk about you-know-what? Is it time to talk about you-know-what? Let s get the conversation started We know that talking about death and funerals can feel a bit awkward. But, as a trusted adviser, you ll appreciate that dealing

More information

United Kingdom: Budget 2012

United Kingdom: Budget 2012 United Kingdom: Budget 2012 Introduction For detailed coverage and comment on the Budget visit Deloitte s dedicated website. URL: http://www.ukbudget.com In his third Budget, the Chancellor, George Osborne

More information

Your cloud accounting solution

Your cloud accounting solution Your cloud accounting solution 2 CLOUD ACCOUNTING ACCOUNTS ARE A NECESSARY EVIL at least that s the traditional view. Let s face it, for many businesses their accounts are produced typically 9 months after

More information

Personal tax interactive worksheet. Calculating car and fuel benefits in kind

Personal tax interactive worksheet. Calculating car and fuel benefits in kind Rachel Powell AAT Student Personal tax interactive worksheet Calculating car and fuel benefits in kind The calculation of car and fuel benefits is an important skill for a tax professional and as such

More information

Increases to minimum contributions

Increases to minimum contributions Increases to minimum contributions We re here to help you along the way For people, not profit Here s what we can offer to help you with the increases to minimum contributions This guide to tell you what

More information

POLICY & PROCEDURE FOR TRUST LEASE CARS

POLICY & PROCEDURE FOR TRUST LEASE CARS POLICY & PROCEDURE FOR TRUST LEASE CARS Date Approved by Trust Board Version 06 Issue Date Review Date Executive Lead Executive Director of Finance Procedure/Policy PF005 Number Procedure/Policy Finance

More information

SSE UK Your benefits

SSE UK Your benefits SSE UK Your benefits Welcome Your UK Employee Benefits Booklet provides details of the extensive range of benefits you can enjoy as an employee of SSE. Reduced rates are available on a huge range of products

More information

SALARY EXCHANGE ADVISER GUIDE

SALARY EXCHANGE ADVISER GUIDE SALARY EXCHANGE ADVISER GUIDE This material is for use by UK Financial Advisers only. It is not intended for onward transmission to private customers and should not be relied upon by any other person.

More information

Novated Leasing Let s get started.

Novated Leasing Let s get started. Novated Leasing Let s get started. Introduction Let s get started. A great way to get a car. Pay less tax. Save lots of time & effort. A novated lease with LeasePlan is a great way to get a car. It s cheaper,

More information

Welcome to JM Glendinning Group. Paul Glendinning Group Chief Executive

Welcome to JM Glendinning Group. Paul Glendinning Group Chief Executive Welcome to JM Glendinning Group Paul Glendinning Group Chief Executive Much more than just an Insurance Broker. Every year your business faces more risks, duties and obligations than before. We take a

More information

USaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry

USaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all

More information

THE ORIGINAL INDEPENDENT MORTGAGE BROKER

THE ORIGINAL INDEPENDENT MORTGAGE BROKER THE ORIGINAL INDEPENDENT MORTGAGE BROKER JOHN CHARCOL, A NAME THAT CARRIES GRAVITAS IN THE MORTGAGE INDUSTRY. With offices in the City of London, Birmingham and Southampton and a network of advisers across

More information

Limited vs. Umbrella Guide

Limited vs. Umbrella Guide Limited vs. Umbrella Guide ACCOUNTS DIRECT LIMITED 37th Floor, 1 Canada Square Canary Wharf, London, E14 5AA Telephone: 0333 5775332 Fax: 0207 183 1550 Email: info@account-direct.com Contents Limited Company

More information

Part 3 Fleet funding and taxation

Part 3 Fleet funding and taxation Part 3 Fleet funding and taxation A Fleet Manager s Guide Introduction Fleet funding and taxation are two areas that should be considered in unison simply because different tax treatments apply to different

More information

2017/18 P11D WORKING SHEET CALCULATION OF CAR/VAN BENEFITS CHARGEABLE TO DIRECTOR/ HIGHER PAID EMPLOYEE

2017/18 P11D WORKING SHEET CALCULATION OF CAR/VAN BENEFITS CHARGEABLE TO DIRECTOR/ HIGHER PAID EMPLOYEE 2017/18 P11D WORKING SHEET BUSINESS NAME: DIRECTOR / PROPRIETOR NAME PAYE TAX REFERENCE NAME OF EMPLOYEE : NATIONAL INSURANCE NO: CALCULATION OF CAR/VAN BENEFITS CHARGEABLE TO DIRECTOR/ HIGHER PAID EMPLOYEE

More information

Business loans at Funding Circle

Business loans at Funding Circle Business loans at Funding Circle A step-by-step guide to borrowing Business finance tailored to you 94% of customers would come back to us first Getting finance to take the next step for your business

More information

WELCOME TO K&B. Live life, contract happy. for freelancers & contractors

WELCOME TO K&B. Live life, contract happy. for freelancers & contractors WELCOME TO K&B for freelancers & contractors Live life, contract happy. Welcome The accountants always offer me a network of support and advice, and nothing is too much trouble for them Contents About

More information

Will the Mobility Allowance, also known as Cash for Car, be a valid alternative for the company car? 17 October 2017

Will the Mobility Allowance, also known as Cash for Car, be a valid alternative for the company car? 17 October 2017 Will the Mobility Allowance, also known as Cash for Car, be a valid alternative for the company car? 17 October 27 Introduction The government set itself a very ambitious goal to create a shift in mobility

More information

We take care of estate administration. Quickly and completely. It s all we do, every day.

We take care of estate administration. Quickly and completely. It s all we do, every day. We take care of estate administration Quickly and completely. It s all we do, every day. At Kings Court Trust, we only do one thing: estate administration. And from the simplest estate through to multi-million

More information

MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio

MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio MORE CHOICE MORE FREEDOM A guide to Income Release Pension Portfolio 2 INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works 12 Clear charges Product

More information

FINANCE YOUR JOURNEY

FINANCE YOUR JOURNEY FINANCE YOUR JOURNEY DESTINATION: YOUR PERFECT FINANCE PLAN At Suzuki, we re all about putting you in the right direction, which is why we re going to help you drive away in your new or used car with a

More information

GROUP PERSONAL PENSION WITH SALARY SACRIFICE. A guide to help you prepare for the retirement you want

GROUP PERSONAL PENSION WITH SALARY SACRIFICE. A guide to help you prepare for the retirement you want THE GRANT THORNTON UK LLP GROUP PERSONAL PENSION PLAN GROUP PERSONAL PENSION WITH SALARY SACRIFICE A guide to help you prepare for the retirement you want Your Grant Thornton company pension is provided

More information

Defined Contribution Pension Solutions Supporting you on every step of the journey

Defined Contribution Pension Solutions Supporting you on every step of the journey Intended for pension fund trustees and their investment consultants only. Not to be distributed to pension scheme members. Defined Contribution Pension Solutions Supporting you on every step of the journey

More information

Why arrange your insurance with Hiscox Private Client?

Why arrange your insurance with Hiscox Private Client? Why arrange your insurance with Hiscox Private Client? Insurance from experts who understand your lifestyle and can tailor a product and service to meet your exact needs no matter how complex. We specialise

More information

SALARY PACKAGING USER GUIDE

SALARY PACKAGING USER GUIDE SALARY PACKAGING USER GUIDE Page 1 of 21 Introduction Griffith University recognizes the value to staff members of flexible remuneration which can be provided by way of salary packaging. It is possible

More information

Is your trust realising all available Employment Tax savings? Is non compliance putting you at risk of HMRC fines?

Is your trust realising all available Employment Tax savings? Is non compliance putting you at risk of HMRC fines? 16 th July 2015 Warning: This is Time Sensitive Information. Do not put to one side to Read Later and risk missing out Action Required by Friday 31 st July Is your trust realising all available Employment

More information

Fully maintained financing for small fleets

Fully maintained financing for small fleets Fully maintained financing for small fleets Lease or buy? We ll help you weigh up your options so you can get back to business. toyotafleetmanagement.com.au FLEET MANAGEMENT TRUSTED FIGURES IN FLEET Contents

More information

AAA Signature Series Home Insurance Owner s Manual

AAA Signature Series Home Insurance Owner s Manual 1 AAA Signature Series Home Insurance Owner s Manual Grow Your Business and Reward Members Welcome to AAA Signature Series Home Insurance, a new way to provide members with personalized value and the protection

More information

Your Simple Guide to Umbrella Companies. E.

Your Simple Guide to Umbrella Companies. E. Your Simple Guide to Umbrella Companies E. info@contractingscout.com Your Simple Guide to Umbrella Companies Like most contractors, you have probably made the decision to move away from permanent employment

More information

EMPLOYER AND ADVISER GUIDE

EMPLOYER AND ADVISER GUIDE SALARY EXCHANGE EMPLOYER AND ADVISER GUIDE This material is for use by UK Financial Advisers and Employers only. It is not intended for onward transmission to private customers and should not be relied

More information

Telematics Usage- Based Insurance

Telematics Usage- Based Insurance Telematics Usage- Based Insurance Smart solutions for the motor insurance industry m2m.vodafone.com Vodafone Power to you Telematics Usage-Based Insurance Usage-based insurance Consumers want lower premiums

More information

CARS FOR EMPLOYEES.

CARS FOR EMPLOYEES. CARS FOR EMPLOYEES Cars for Employees The current regime for taxing employer provided cars (commonly referred to as company cars) is intended: to encourage manufacturers to produce cars which are more

More information

Sage Guide to ENROLMENT. Everything you need to know about Workplace Pensions: Automatic Enrolment

Sage Guide to ENROLMENT. Everything you need to know about Workplace Pensions: Automatic Enrolment Sage Guide to AUTOMATIC ENROLMENT Everything you need to know about Workplace Pensions: Automatic Enrolment 1 CONTENTS INTRODUCTION What is Automatic Enrolment? 01 SEVEN STEPS TO AUTO ENROLMENT? 02-05

More information

FOR VHA MEMBERS EMPLOYEE BENEFITS PROGRAM

FOR VHA MEMBERS EMPLOYEE BENEFITS PROGRAM FOR VHA MEMBERS EMPLOYEE BENEFITS PROGRAM Your Contacts www.vhaplus.com.au 1300 799 547 enquiries@vhaplus.com.au Level 6, 136 Exhibition Street, Melbourne,Vic 3000, Australia 3 4 5 6 7 8 9 10 11 12 13

More information

LEASING & RENTAL. Flexibility and Competitive Pricing. The Value of the TIP Network

LEASING & RENTAL. Flexibility and Competitive Pricing. The Value of the TIP Network LEASING & RENTAL LEASING & RENTAL 1 Short Term Rental solutions from TIP Trailer Services provide Flexibility, Choice, and most importantly, true Peace of Mind, to enable you to meet the demands of your

More information

SMART and your pension. Sainsbury s Retirement Savings Plan Sainsbury s Self Invested Pension Plan. Start

SMART and your pension. Sainsbury s Retirement Savings Plan Sainsbury s Self Invested Pension Plan. Start SMART and your pension Sainsbury s Retirement Savings Plan Sainsbury s Self Invested Pension Plan Start What is SMART? SMART is a salary sacrifice arrangement which increases your take-home pay by reducing

More information

Your March 2012 Budget Tax Guide.

Your March 2012 Budget Tax Guide. The Budget Tax Guide March 2012 1 Your March 2012 Budget Tax Guide. All the fleet facts at your fingertips. This guide has been produced following the Chancellor s statement of 21 March 2012. Chancellor

More information

Section 17: Reimbursement of travel costs

Section 17: Reimbursement of travel costs Part 3: Terms and conditions Reimbursement of travel costs Section 17: Reimbursement of travel costs 17.1 This section deals with the reimbursement of costs incurred by employees who, with the agreement

More information

HSBC Expat: Helping you achieve your ambitions

HSBC Expat: Helping you achieve your ambitions HSBC Expat: Helping you achieve your ambitions Choose a bank that s in tune with your lifestyle 2 It takes ambition, drive and courage to move to another country. It s a big step for most people and you

More information

Vehicle Funding. British Vehicle Rental & Leasing Association

Vehicle Funding. British Vehicle Rental & Leasing Association Vehicle Funding British Vehicle Rental & Leasing Association Contents Foreword 3 Introduction 4 Contract Hire 6 Finance Lease 10 Contract Purchase 13 Hire/Lease Purchase 16 Outright Purchase 20 Personal

More information

THEBUYER S GUIDE Everything you need to know about insuring your van or pickup truck! Why choose us? / 5 Insurance products / 6-7 FAQ / 10-11

THEBUYER S GUIDE Everything you need to know about insuring your van or pickup truck! Why choose us? / 5 Insurance products / 6-7 FAQ / 10-11 THE Everything you need to know about insuring your van or pickup truck! Take a look inside... Why choose us? / 5 Insurance products / 6-7 FAQ / 10-11 {Exclusive!} {Multi-year} {insurance} See pages 8-9

More information

Essential Health Plans Affordable International Regional Health Insurance

Essential Health Plans Affordable International Regional Health Insurance Essential Health Plans 2017 Affordable International Regional Health Insurance William Russell is a leading independent, one-stop provider of affordable, international health insurance To us, you re a

More information

FirstBenefits. You don t have to wait until retirement enjoy the fruits of your super now!

FirstBenefits. You don t have to wait until retirement enjoy the fruits of your super now! FirstBenefits You don t have to wait until retirement enjoy the fruits of your super now! What is FirstBenefits? We all know that we can t access our super until we retire. For many of us this won t be

More information

QUOTE COMPARISON

QUOTE COMPARISON QUOTE 0800 802 1764 www.staffabsenceinsurance.com THE QUOTE REVOLUTION Across all lines of mainstream insurance, buyers have become increasingly reliant on comparison sites to find the most suitable and

More information

Getting your Budget Simulator up and running

Getting your Budget Simulator up and running Getting your Budget Simulator up and running A quick start guide v2.0 August 2016 Introduction So you need to get your budget consultation up and running but you ve never used Budget Simulator before.

More information

discover your benefits, your way Your guide to BP s flexible benefits plan For eligible UK employees

discover your benefits, your way Your guide to BP s flexible benefits plan For eligible UK employees discover your benefits, your way Your guide to BP s flexible benefits plan For eligible UK employees your benefits, your way DB flex e-guide 2013 Correct as at 1 May 2013 Welcome to your benefits, your

More information

We re here for you every step of the way

We re here for you every step of the way Connect with Vanguard > vanguard.com > 800-750-1520 All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a

More information