The Salary Sacrifice Car Experts
How Does Salary Sacrifice Work?
Salary sacrifice is a government-backed arrangement that allows employees to exchange part of their gross salary for a non-cash benefit such as a brand-new car. Because the deduction is taken before Income Tax and National Insurance, employees can often make significant savings compared to a standard personal contract hire.
With a salary sacrifice car scheme, a fixed monthly amount is deducted directly from an employee's salary, and in return they receive a fully-inclusive package that includes the vehicle, maintainance, servicing, road tax, and insurance.
Employers benefit from reduced National Insurance contributions, making a car scheme a cost-effective employee benefit that helps attract and retain top talent while supporting sustainability goals.
The result is a simple tax-efficient way for employees to drive a new electric car at a lower overall cost, and a way that savvy employers can save thousands in NI contributions each year.
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Used EVs on Salary Sacrifice
Salary sacrifice isn't just for brand-new electric vehicles. At Amber, we can also provide a wide range of high-quality used electric cars through our salary sacrifice scheme, giving employees even greater affordability, flexibility and choice. A used EV salary sacrifice option can significantly reduce monthly costs while still delivering the same tax and National Insurance savings that make salary sacrifice so attractive. Employees can benefit from lower Benefit-in-Kind (BiK) rates, predictable monthly payments and a more accessible route into electric motoring, whilst employers can offer a highly valued employee benefit without increasing business costs.
Whether you're looking for a nearly-new Tesla, Kia e-Niro, MG4, Hyundai Kona Electric or another popular electric vehicle, our used electric car salary sacrifice schemes provide a flexible and cost-effective way to make the switch to electric driving. Every vehicle is carefully selected to ensure quality, reliability and excellent value for money, giving employees confidence in both their vehicle and their monthly budget.
For many employees, choosing a used electric vehicle can unlock even greater savings compared to a new car, making electric motoring accessible to a wider range of budgets. Combined with the lower running costs associated with EV ownership, including lower fuel costs, a used electric car through salary sacrifice can represent exceptional value. It's a smart choice for employees who want to enjoy the benefits of driving electric, while maximising their salary sacrifice savings and reducing the overall cost of motoring.
By offering both new and used electric vehicles within your salary sacrifice scheme, employees can choose the option that best suits their lifestyle, requirements and budget, helping more people take advantage of a greener, more affordable way to drive.
Why Choose Amber Salary Sacrifice?
Trusted by businesses and employees across the UK, Amber makes salary sacrifice simple, cost-effective and hassle-free.
25+
Years of Experience
Decades of combined expertise helping organisations implement successful salary sacrifice schemes.
Any Make & Model
Electric Vehicle Choice
Access hundreds of new and used EVs from leading manufacturers, all through one scheme.
Bespoke Portal
Complete Scheme Visibility
Manage quotes, employees, reporting and scheme administration through a dedicated online portal.
£1,000s
Saved in Tax & NI
Employees and employers could save thousands through Income Tax and National Insurance efficiencies.
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About Us
With over 25 years of experience in the vehicle leasing industry, Salary Sacrifice by Amber Car Leasing helps employers introduce a valuable employee benefit that makes driving a brand-new electric car more affordable. Our straightforward, fully managed salary sacrifice schemes are designed to be simple to implement, with minimal administration and maximum value for both employers and employees.
We're proud of our Excellent 5-star Trustpilot rating, built on honest advice, competitive pricing, and exceptional customer service. From initial consultation through to vehicle delivery and ongoing support, our team is committed to making the process as smooth and hassle-free as possible.
Whether you're an employer looking to enhance your benefits package or an employee wanting to save money on a new electric vehicle, we're here to help every step of the way.
Our salary sacrifice schemes can be tailor-made to include insurance, servicing, maintenance and breakdown cover, providing a cost-effective and convenient route into electric driving while helping businesses support their sustainability goals.
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Salary Sacrifice Frequently Asked Questions
What is salary sacrifice?
Salary sacrifice is a government-approved arrangement that allows employees to exchange part of their gross salary for a non-cash benefit, such as an electric car. Because the deduction is made before Income Tax and National Insurance are applied, employees can often make significant savings compared to funding a vehicle privately.
A fixed monthly amount is deducted from your gross salary before tax. In return, you receive access to an electric vehicle and, in most cases, a fully inclusive motoring package that may include insurance, servicing, maintenance, breakdown cover and road tax.
Eligibility criteria vary between employers, but salary sacrifice schemes are generally available to permanent employees who meet minimum salary and employment requirements. Your employer will be able to confirm whether you are eligible.
Savings depend on a number of factors, including your salary, tax band, pension arrangements and the vehicle selected. Higher-rate taxpayers often see particularly attractive savings, although most employees can benefit from the tax efficiencies available through salary sacrifice.
Whilst salary sacrifice can be used for various benefits, electric vehicles are currently the most popular option due to their low Benefit-in-Kind (BiK) tax rates. This makes electric cars especially cost-effective through a salary sacrifice arrangement.
Yes, your take-home pay will reduce because a portion of your salary is being exchanged for the vehicle benefit. However, the reduction is often substantially lower than the cost of leasing an equivalent vehicle privately due to the tax and National Insurance savings generated.
Most salary sacrifice car schemes provide a comprehensive package that can include the vehicle, insurance, servicing, maintenance, tyres, breakdown assistance and road tax. The exact inclusions will vary depending on the scheme and vehicle chosen.
No. One of the major benefits of salary sacrifice is that employees can access a brand-new or used electric vehicle without needing to provide a deposit upfront. All our salary sacrifice are based on 1+ initial rental.
In many cases, no personal credit check is required because the agreement sits between the employer and the scheme provider rather than the individual employee.
Most salary sacrifice providers offer access to a wide range of electric vehicles from leading manufacturers. Depending on the scheme, employees may be able to choose from hundreds of makes and models to suit their needs and budget.
Yes. Our salary sacrifice scheme offers carefully selected used electric vehicles alongside brand-new models. This can provide an even more affordable way to access electric motoring while still benefiting from tax and National Insurance savings.
This will depend on the terms of your employer's scheme and whether Early Termination Protection is in place. Many schemes include protection designed to minimise financial exposure if an employee leaves during the agreement period.
Most salary sacrifice providers have policies in place to support employees during periods of family leave. The exact arrangements depend on your employer's scheme and individual circumstances. We offer a robust early termination cover to be included in the cost of your salary sacrifice agreement.
Our early termination protection covers you from long-term sickness, ensuring you and your employer are protected should you no longer be able to afford the vehicle.
Potentially. Because salary sacrifice reduces your contractual salary, it can sometimes affect pension contributions. However, many employers calculate pension contributions based on pre-sacrifice salary levels, meaning there may be no impact. You should check your employer's policy for clarification.
Benefit-in-Kind tax is a tax applied to certain employee benefits. Electric vehicles currently attract significantly lower BiK rates than petrol or diesel cars, which is one of the key reasons salary sacrifice EV schemes have become so popular.
We can look to build a bespoke salary sacrifice car scheme to include fully comprehensive insurance within the monthly cost, providing additional convenience and helping employees budget more effectively.
