Frequently Asked Questions About Car Subscription

Start by ordering your perfect car. Once you’ve provided your details and placed your order, you’ll just need to upload your ID documents so we can get you approved.

We are regulated by the Financial Conduct Authority, and need to prove you can afford the vehicle without putting you under undue financial pressure. As such we carry out a credit check to make sure you can afford the vehicle you are applying for. Our credit check is based on affordability, and we may ask for additional information to prove this (typically 3 months of bank statements).

Unfortunately if you have any unsatisfied county court judgements against yourself, individual voluntary arrangements or bankruptcies we will not be able to offer you a vehicle. You can read our full approvals guide here.

After you apply for a car subscription you will need to upload some additional documents to prove your identity.

To start your subscription we will need a selfie, photos of your driver’s licence (front and back), and proof of address (such as a utility bill or letter from HMRC). You can upload your ID documents immediately after placing your order, or follow the link in your confirmation email.

Thanks to our dedicated automated system, the entire process from application to delivery can be as quick as three business days. Once you are approved we will assign your vehicle, and then agree a delivery date.

You do not need a UK driver’s licence to subscribe to a vehicle from mycardirect. International driver’s licences are valid for 1 year upon arrival in the UK, as long as your licence is valid, we will be happy to provide you with a vehicle. Read our full guide on subscribing from overseas here.

We typically do not offer vehicle subscriptions to drivers under 25 years of age.

We can accept people with a maximum of 9 penalty points, your insurance provision may govern which vehicles you are eligible for.

Yes, we deliver anywhere to Scotland, including north of the highland line. Please note that delivery charges will apply. You are however welcome to collect your vehicle from on of our branches in Hemel Hempstead and Birmingham free of charge.

A small refundable deposit is taken when you sign the contract, to secure the vehicle for you ahead of delivery. The deposit is typically £250 or £500 depending on the value of the vehicle, and is refunded at the end of the contract, minus any fees incurred for damage to the vehicle.

We charge a £275 joining fee which makes you a member for life. You remain a member whether or not you are currently subscribing to a vehicle with us, and never pay it again if you take another car. The joining fee is taken alongside your deposit, when you sign your contract.

Your first monthly subscription payment is taken the day before your vehicle is delivered. Your second payment will occur one calendar month after delivery/pick-up date of the vehicle, and this will become your contract renewal date.

Yes, we charge a delivery fee which varies by location. You are however welcome to collect your vehicle from on of our branches free of charge. To calculate the cost of delivery to your home or workplace please speak to a member of the team on 0333 0155 055.

We believe in giving our subscribers the maximum amount of choice possible, which is why we don’t include insurance in our monthly subscriptions.

At mycardirect we allow you to find your own insurance. So if you have a great relationship with your current insurer, you can keep using them, or shop around for the policy that works for you. You can also take full advantage of your no claims bonus, and we have found it often works out cheaper for our subscribers to use their own insurance, than including a one size fits all policy in the subscription price. Read our full guide on insuring a mycardirect vehicle here.

The vehicle must be insured for the full duration of the subscription, starting from the day of delivery. We cannot deliver a vehicle without insurance, so we ask you to provide us with the insurance certificate on or prior to the day before delivery.

Yes, you need a comprehensive insurance policy.

Yes. Its is your legal and contractual obligation to keep the car insured at all times up to and including the agreed day of collection. This includes if the car is not in use if you are abroad.

Yes, we can offer daily rental insurance for £10 per day on subscriptions of 3 months or less. This is a popular option for shorter subscriptions, but we would recommend sourcing an annual policy for longer term subscriptions.

At the end of your initial subscription period your subscription will begin to roll, unless you inform us you wish to end your subscription. You retain the option of extending, swapping or returning the vehicle from month to month. If you choose to return the vehicle we require 14 days notice so that we can arrange for your vehicle to be collected on a date that works for you.

If you wish to extend your subscription, just let us know how long you would like to extend for, and a member our team will get in touch with you to arrange your extension or discuss your options.

Our car subscriptions are flexible, so you have the opportunity to return the vehicle before the end of your contract if you wish. To cancel your subscription early, just let us know over the phone or in writing. A member of the team will then be in touch to confirm your return date, and let you know any important information relating to your return. Please note that we require 2 weeks notice to arrange the return of your vehicle.

There is no early return fee, but our rates typically differ depending on the period you subscribe for, becoming cheaper for longer subscriptions. If you return your car early, you will be recharged at the relevant rate for the period you had the car for. For example: if you signed a 6 month contract, but returned the vehicle after 3 months, you would be charged the difference between the 3 and 6 month rates for each month you had the vehicle.

Subscription works on a monthly basis, and we offer the flexibility to swap into different cars from month to month. If you wish to change your vehicle during your subscription, simply browse all the cars and vans we have available, and place an order for the vehicle you’d like to swap into.

The team will then be in touch to arrange swapping your vehicle. We try and perform swaps on, or as close as possible to your subscription’s renewal date.

We offer subscriptions from as little as 1 month. If you need a car for less than a month, we offer traditional daily rentals from our mycardirect rental branches in Hemel Hempstead and Birmingham.

Our vehicles range from brand new to 4 years old. Because subscription is flexible a car can go out for a single month, and will not be brand new when it next goes out on subscription. We frequently introduce brand new models to our fleet. If you are interested in a brand new vehicle, please call our team on 0333 0155 055, and we will be happy to advise on which vehicles are brand new.

Yes, when you subscribe to a car through mycardirect, you will have an accompanying contract which shows that you are the beneficial owner of the car. This will allow you to obtain the relevant resident parking permit.

You are welcome to take your subscription car abroad, but you must inform us 2 weeks before you depart, and obtain a VE103 form. You will also need to provide your own breakdown cover whilst you are overseas.

You may put personalised plates on your subscription car, as long as they are legally compliant. Please note you must return the vehicle with the original plates, and a small admin fee may apply.

Yes. At mycardirect we love animals, and we’re more than happy for you to put your pets in the car. Please note that you are liable should your pet cause any accidental damage to the vehicle. You can read our full guide to putting pets in cars here.

All our vehicles include a standard mileage package of 800 miles per month as part of your subscription. You may adjust your mileage package when you apply for the vehicle, up to a limit of 2000 miles per month, and can change your mileage package during your contract if you wish.

If you wish to change your mileage package during your contract, simply give a member of our team a call on 0333 0155 055, and we will be happy to change it for you.

Your mileage package applies to the entire term of your contract, so if you exceed your mileage limit in 1 month, but go under in another month, there is no penalty as long as you do not exceed your overall mileage package. For example if you subscribe for 6 months with a standard 800 mile per month package, and drive 2000 miles in one month but 500 in the other 5 months, the 4500 miles you have driven overall are included in your mileage package (4800 total miles).

If you exceed your overall mileage package, a small surcharge will apply for every mile you exceed it by. The rate will vary depending on the vehicle you have subscribed to, if you wish to know the rate for a specific vehicle please give our team a call on 0333 0155 055. If you anticipate regularly exceeding your mileage package, please consider upgrading your mileage package, as it will likely be cheaper than incurring a surcharge.

Yes, the cost of maintenance, MOT and servicing is included within the cost of your subscription.

No, accidental damage such as scratches, bodywork damage and punctures are not covered.

Yes, replacement tyres for when the treads are worn away are included as part of our maintenance package. punctures are considered accidental damage, and are not covered.

If your car requires a service, call our servicing number 0121 798 1735. The team will get your car booked in at a garage or service center convenient to yourself. When you take your car for it’s service the garage will be in touch with us for approval, and we will pay for the service.

Yes, roadside assistance is included in your subscription. If you are in need of roadside assistance, please call 0800 107 5867.