Top Alternatives to EZOO: EV Salary Sacrifice Schemes You Can Trust
Image source: Shutterstock
EZOO is a family-run EV salary sacrifice provider offering both new and used electric vehicles on contracts from 12 months. It covers the standard package of insurance, maintenance, servicing, and breakdown cover, and has built a solid reputation as a smaller, more personal alternative to the larger commercial providers.
The limitation that prompts most HR Directors and Finance leads to exploring alternatives is the employer protection terms. EZOO's risk cover only applies once an employee has held their vehicle for three months, leaving employers exposed to early termination liability during that initial window. For organisations with any degree of staff movement, that gap carries real financial risk.
This guide compares the leading EZOO alternatives on the factors that matter most: employer protection, vehicle choice, pricing model, and charging provision.
What Should I Look For In An EZOO Alternative?
Not every EV salary sacrifice scheme is built the same way, and the differences that matter most aren't always visible in a provider's marketing. Before comparing names, it's worth establishing the criteria that should drive the decision.
Employer Protection Terms
The most commercially significant variable between providers is how they handle early termination liability.
EZOO's cover doesn't activate until an employee has held their vehicle for three months, which means every new lease starts with a window of unprotected financial exposure. Employers with any degree of staff movement should treat Day 1 protection as a baseline requirement rather than a premium feature.
Funding Model And Pricing
EZOO sources from a panel of lenders rather than operating as a single direct-leasing provider. That structure introduces competitive tension into pricing, which generally works in employees' favour.
Any alternative worth considering should match or improve on that approach - a provider that controls its own vehicle supply may offer consistency, but typically at the cost of pricing flexibility.
Vehicle Range And Accessibility
EZOO includes used EVs alongside new ones, which keeps monthly costs within reach for employees at lower salary levels. A scheme that restricts availability to new vehicles only effectively narrows participation - and reduces the National Insurance (NI) savings the employer generates from the benefit.
Charging Support
Running an EV involves more than the vehicle payment, and EZOO's scheme stops at the car. Providers that extend salary sacrifice to cover domestic electricity costs increase the total tax-efficient savings available to employees without any additional administration for the employer.
Key Takeaways
EZOO's 3-month protection gap is the most significant contractual risk to assess
A multi-funder model typically delivers more competitive pricing than direct leasing
Used EV availability determines how broadly the scheme can be offered across the workforce
Charging salary sacrifice extends employee savings beyond what EZOO currently provides
The Best EZOO Alternatives At A Glance
The table below compares the five leading alternatives to EZOO across the features most relevant to employers evaluating their options.
| Feature | The Electric Car Scheme | Octopus EV | Tusker | Loveelectric | Fleet Evolution | Typical alternative |
|---|---|---|---|---|---|---|
| Day 1 employer protection | ✓ Full, no exclusion | Partial (medical/licence only) | ✗ 3-month exclusion | ✓ (employee-funded) | ✓ (employer-termination scenarios) | ✗ 3-month exclusion |
| Used EVs available | ✓ | ✗ | ✗ | ✓ | ✓ | ✗ |
| Charging salary sacrifice | ✓ The Charge Scheme | ✗ | ✗ | ✗ | ✗ | ✗ |
| Multi-funder broker model | ✓ 50+ funders | ✗ Direct | ✗ Direct | ✓ | ✓ | ✗ |
| Min. contract term | 24 months | 24 months | 24 months | 24 months | 6 months | 24 months |
| B Corp certified | ✓ | ✗ | ✗ | ✓ | ✗ | ✗ |
The Electric Car Scheme
The Electric Car Scheme is the most direct upgrade from EZOO for employers where employer protection terms are the deciding factor.
Its Complete Employer Protection covers every lease from Day 1, with no exclusion period, no excess, and no cap on the number of claims, making it the most comprehensive protection structure available in the UK market. That directly addresses the gap that EZOO leaves open during the first three months of each contract.
Beyond protection, The Electric Car Scheme operates as a multi-funder broker across 50+ UK leasing partners, which typically delivers more competitive monthly costs than direct-leasing providers. Both new and used EVs are available, with used vehicles delivered within 14 days, keeping the scheme accessible across the full range of employee salary levels.
The Charge Scheme - an industry-first salary sacrifice solution for domestic electricity costs - extends the tax-efficient benefit beyond the vehicle itself, delivering an estimated 20–50% additional saving on home charging that no other major provider currently matches.
The Electric Car Scheme holds a 4.9-star Trustpilot rating and was ranked Best Salary Sacrifice Provider by Car Sloth in both 2024 and 2025, as well as EV Salary Sacrifice Provider of the Year 2026 from SME News. It's B Corp certified, with a score of 104.3, and has been trusted by household-name employers including Holland & Barrett, Leeds Bradford Airport, and Millwall FC. For businesses comparing salary sacrifice scheme costs, the employer NI saving of 15% on sacrificed salary means the scheme is cost-neutral or better in most cases.
Key Takeaways
Complete Employer Protection covers every lease from Day 1
Multi-funder model across 50+ partners drives competitive pricing
The Charge Scheme adds 20–50% savings on home charging costs
Best Salary Sacrifice Provider: Car Sloth 2024 and 2025
Other Salary Sacrifice Providers Worth Considering
Each of the following providers has specific strengths that make them a viable EZOO alternative in particular employer contexts.
Octopus EV
Octopus EV is one of the UK's largest EV salary sacrifice providers by volume, operating a direct-leasing model with a broad vehicle range and strong energy ecosystem integration.
| Pros | Cons |
|---|---|
| Large, recognisable brand with high employee trust | 3-month exclusion on redundancy, resignation, and dismissal - same gap as EZOO |
| Broad EV range with strong availability | Protection capped at 10 vehicles or 10% of fleet |
| Suits employers already using Octopus Energy | Direct-leasing model limits pricing flexibility |
| Established implementation and account support | No used EVs; no charging salary sacrifice |
Tusker
Tusker has operated in the fleet and salary sacrifice market since 2008, making it one of the longer-standing providers, though its protection terms don't improve on EZOO's.
| Pros | Cons |
|---|---|
| Established fleet expertise since 2008 | 3-month exclusion period matches EZOO - no improvement on protection |
| Strong HR and payroll reporting tools for larger workforces | New vehicles only - no used EV option |
| Credible direct-leasing operation | Direct-leasing model limits pricing competition |
| Suited to larger employers with fleet management requirements | No charging salary sacrifice provision |
Loveelectric
Loveelectric is a B Corp-certified broker-model provider acquired by Perkbox in December 2025, offering both new and used EVs alongside a Day 1 protection guarantee.
| Pros | Cons |
|---|---|
| Established fleet expertise since 2008 | 3-month exclusion period matches EZOO — no improvement on protection |
| Strong HR and payroll reporting tools for larger workforces | New vehicles only — no used EV option |
| Credible direct-leasing operation | Direct-leasing model limits pricing competition |
| Suited to larger employers with fleet management requirements | No charging salary sacrifice provision |
Fleet Evolution
Fleet Evolution is one of the UK's most experienced EV salary sacrifice providers, offering Day 1 leaver protection for employer-initiated terminations and a free workplace charger for qualifying businesses.
| Pros | Cons |
|---|---|
| Zero Risk Guarantee covers employers from Day 1 across all termination scenarios | Day 1 cover is employee-funded at an additional monthly cost, reducing net savings |
| B Corp certified with independently verified sustainability credentials | Voluntary add-on structure may reduce employee uptake |
| New and used EVs available via ReLoved Cars brand | No charging salary sacrifice provision |
| Integration with Perkbox benefits platform for existing users | Perkbox acquisition (Dec 2025) introduces platform transition uncertainty |
Key Takeaways
Octopus EV's full protection excludes resignation, dismissal, and redundancy for 3 months
Tusker's 3-month exclusion matches EZOO; best for fleet-experienced larger employers
Loveelectric's Day 1 cover is employee-funded, reducing net savings
Fleet Evolution's Day 1 protection covers employer-terminated leavers
Already On EZOO? Here’s How To Switch
Switching providers mid-scheme isn't always necessary, and for most businesses, the lowest-cost approach is to run existing EZOO leases to their natural end while routing new orders through a preferred alternative from the point of decision.
Audit Your Current EZOO Contracts
Note the end dates of all active leases and identify which employees are within or past the 3-month exclusion window, as these represent your current areas of unprotected liability.
Run Providers In Parallel
There's no obligation to use a single scheme. New starters and renewals can be onboarded to an alternative provider immediately, while existing drivers complete their EZOO terms without disruption.
Get A Full Implementation Pack From Your New Provider
Most leading schemes can be set up and ready to accept employee orders within a few weeks, with dedicated account management handling payroll integration from the outset.
Communicate The Change To Employees
Frame the switch around the tangible improvements: stronger Day 1 protection, access to used EVs if relevant, and any additional benefits such as charging salary sacrifice that directly increase take-home value.
Key Takeaways
Existing EZOO leases don't need to be terminated early — let them run to completion
New orders can move to an alternative provider immediately, with no disruption to current drivers
Most leading schemes are operational within a few weeks of setup
Lead with employee benefits when communicating the switch internally
Frequently Asked Questions About EZOO
-
EZOO's risk protection applies once an employee has held their vehicle for three months. If an employee leaves (for any reason) within the first three months of delivery, the employer carries the full early termination liability.
This is publicly confirmed on EZOO's own website and is the primary limitation that leads employers to explore alternatives.
-
The Electric Car Scheme's Complete Employer Protection is the most comprehensive structure currently available, covering every lease from Day 1 with no exclusion period, no excess, and no cap.
Loveelectric's Zero Risk Guarantee also covers employers from Day 1 across all scenarios, but is funded by an additional monthly employee contribution. Fleet Evolution offers Day 1 protection specifically for employer-initiated terminations such as redundancy and dismissal.
-
It can, depending on when individual leases sit in their contract term. Returning vehicles before the agreed end date typically incurs charges based on the remaining rentals.
The lowest-cost approach is to run existing EZOO leases to completion and route all new orders through a preferred alternative provider from the point of decision.
-
EZOO does not offer a salary sacrifice solution for EV charging.
The Electric Car Scheme's Charge Scheme is the only integrated charging salary sacrifice product currently available among major providers, allowing employees to save an estimated 20–50% on domestic electricity costs through the same pre-tax mechanism as their vehicle payments.
-
The Benefit-in-Kind rate for fully electric vehicles is 4% in 2026/27, rising to 5% in 2027/28, 7% in 2028/29, and 9% in 2029/30. Even at its highest confirmed rate, EV
BiK remains less than a quarter of the 37% maximum applied to petrol and diesel vehicles, making salary sacrifice one of the most tax-efficient employee benefits available through 2030 and beyond.
Why Act Now?
Every new lease that goes through EZOO starts with three months of unprotected employer liability - and that exposure resets with each vehicle ordered.
The case for reviewing your provider isn't about abandoning a scheme that works; it's about closing a protection gap that has a direct financial consequence if an employee leaves during those first 12 weeks.
With EV BiK at 4% in 2026/27 and employee savings of 20–50% compared to personal leasing, demand for salary sacrifice is growing, which means more leases starting, and more exposure accumulating under terms that haven't changed.
The providers covered in this guide each offer a meaningful improvement on at least one dimension of what EZOO provides, whether that's Day 1 protection, charging salary sacrifice, or broader vehicle access. For employers who want to close the gap entirely rather than partially, The Electric Car Scheme remains the only provider combining Complete Employer Protection from Day 1, a multi-funder broker model, used EV access, and an integrated charging salary sacrifice solution in a single scheme.
Are you an employer?
BOOK A DEMOAre you an employee?
SEE AVAILABLE CARSEcs Business Toolkit
Electrify Your Fleet: Tools and Guides to Help Your Business Get Started
-
How the Scheme WorksFind out how salary sacrifice can work for you or your business.
-
Complete Employer ProtectionAll employers and drivers are protected from day 1.
-
Our ImpactWe are an award-winning B Corp - find out about how we do good.
-
Case StudiesJoin thousands of employers already offering The Electric Car Scheme.
You Might Also Like…
Last updated: 08/04/2026
Our lease pricing is based on data collected from The Electric Car Scheme quote tool. All final pricing is inclusive of VAT. All prices above are based on the following lease terms; 10,000 miles pa, 36 months, and are inclusive of Maintenance and Breakdown Cover. The Electric Car Scheme’s terms and conditions apply. All deals are subject to credit approval and availability. All deals are subject to excess mileage and damage charges. Prices are calculated based on the following tax saving assumptions; England & Wales, 40% tax rate. The above prices were calculated using a flat payment profile. The Electric Car Scheme Limited provides services for the administration of your salary sacrifice employee benefits. The Electric Car Scheme Holdings Limited is a member of the BVRLA (10608), is authorised and regulated by the FCA under FRN 968270, is an Appointed Representative of Marshall Management Services Ltd under FRN 667174, and is a credit broker and not a lender or insurance provider.
Copyright and Image Usage: All images used on this website are either licensed for commercial use or used with express permission from the copyright holders, in compliance with UK and EU copyright law. We are committed to respecting intellectual property rights and maintaining full compliance with applicable regulations. If you have any questions or concerns regarding image usage or copyright matters, please contact us at marketing@electriccarscheme.com and we will address them promptly.
