The Electric Car Scheme vs
Lease Fetcher
Compare EV Salary Sacrifice from The Electric Car Scheme with Personal Leasing deals on Lease Fetcher
Choosing a salary sacrifice or EV benefit route is a strategic decision. Pricing, vehicle availability, risk protection and operational simplicity all determine whether the scheme is accessible, scalable and cost-neutral for your workforce.
At a Glance: Key Differences Between The Electric Car Scheme and Lease Fetcher
Structure: The Electric Car Scheme is employer-run EV salary sacrifice (paid from gross); Lease Fetcher compares post-tax personal contract hire deals.
Cost: Salary sacrifice typically costs 30–40% less than an equivalent personal lease for a 40% taxpayer.
Risk protection: The Electric Car Scheme includes Complete Employer Protection; Lease Fetcher deals place all risk on the individual.
Charging: The Electric Car Scheme salary-sacrifices home, workplace and public charging; personal leases via Lease Fetcher don't.
Employer upside: Salary sacrifice creates employer NI savings and supports sustainability reporting; personal leases don't.
The Strongest Prices for Employee Electric Cars
Lease Fetcher surfaces competitive personal-lease prices from UK brokers — but they're paid from post-tax income. Salary sacrifice is pre-tax, creating a 30–40% effective saving for higher-rate taxpayers.
The Electric Car Scheme
Electric and plug-in hybrids below 75g CO2/km
Hundreds of used EVs in stock at any time
Multi-funder leasing panel
Lease Fetcher
Multi-fuel lease deals aggregated from third-party brokers
No salary-sacrifice option
No tax efficiency for EVs
For larger organisations with a high proportion of employees in the basic-rate tax band, broader access to used and plug-in hybrid vehicles can make the scheme accessible to a significantly wider share of the workforce.
Risk and Early Termination Protection Comparison
92% of senior HR professionals believe salary sacrifice carries risk if an employee leaves while they still have a car.
The Electric Car Scheme's Complete Employer Protection
Included as standard from day 1
Covers resignation (3 months+), redundancy, dismissal, parental leave, long-term sickness, loss of licence and death
No excess fees, caps or annual limits
Cover continues even if the employee doesn't pay termination fees or damage costs
Lease Fetcher's protection
Early-termination fees sit with the individual
No redundancy, sickness or parental-leave cover by default
GAP and lifestyle products sold separately
| Event | The Electric Car Scheme | Lease Fetcher |
|---|---|---|
| Resignation | Covered from 3 months, no excess or cap | Typically 3-month exclusion; excess may apply |
| Redundancy | Covered from day 1, no excess or cap | Exclusion period and annual cap common |
| Dismissal | Covered, no excess or cap | Often partial or excluded |
| Parental leave | Covered, no excess or cap | Often excluded or time-limited |
| Long-term sickness | Covered, no excess or cap | Often time-limited |
| Loss of licence | Covered | Varies by provider |
| Death | Covered | Covered |
| Employee non-payment | Covered — scheme absorbs loss | Often not covered |
Service, Technology and Portals Comparison
The Electric Car Scheme
Employer Portal: approvals, payroll reporting, live order tracking, sustainability
Employee Portal covering the full lease lifecycle and charging
API/SFTP/SSO integrations with major benefits and payroll platforms
Dedicated Customer Success Manager per employer
Lease Fetcher
Consumer comparison site redirecting to third-party brokers
No employer portal or payroll integration
No in-life lease management
Our technology is designed to minimise admin, remove manual uploads and double entry, and provide real-time visibility of uptake, savings and carbon impact.
Charging: EV Charging Salary Sacrifice Comparison
A personal lease doesn't include any tax-efficient charging package. The Electric Car Scheme bundles home, workplace and public charging into salsac.
The Electric Car Scheme
Salary-sacrifice home, workplace and public charging
20–50% savings on charging costs over the lease
Home charge-point install included in salary-sacrifice
Preferred tariffs (e.g. OVO Charge Anytime with free miles)
Up to £4,405 of charging value per employee across a typical lease
Lease Fetcher
No integrated charging package
Charge-point install arranged separately by the driver
No tax efficiency on charging costs
Cost to Run and Employer NI Sharing
Personal leasing generates no employer NI savings. Salary sacrifice does — and The Electric Car Scheme lets employers retain or reinvest those savings.
Many employers choose to share a large proportion of their employer National Insurance savings with employees to support affordability and maximise participation, while retaining a portion to fund wider people and climate initiatives.
Why Choose The Electric Car Scheme Over Lease Fetcher?
30–40% effective saving vs a post-tax personal lease
Employer-funded risk protection from day 1
Integrated, tax-efficient charging
Employer tech and payroll integrations
Deep EV and PHEV inventory including used stock
If you'd like to see how The Electric Car Scheme compares with Lease Fetcher for your workforce, we can build you a tailored side-by-side based on your company's demographics and vehicle mix. Book a call with our Salary Sacrifice Specialists here.
Be the Hero and Make Net Zero the Obvious Choice for your Team
Reward your employees, attract the best talent and drive your sustainability goals - all with one simple, cost-free benefit: The Electric Car Scheme.