Car Subscription Explained | AMT Auto
Car Subscription Explained – Amt Auto

Car Subscription Explained

In recent years, the concept of car ownership has undergone a significant transformation with the emergence of car subscription services. These services offer an alternative to traditional car ownership, allowing individuals to “subscribe” to a vehicle for a monthly fee rather than purchasing or leasing it outright. Some subscription schemes also go under other names such as flexible leasing, long-term rental or long-term hire. But what exactly is a car subscription service, and is it the right choice for you? Here we delve into the details for you.

What is a Car Subscription Service?

Car subscription services operate on a simple premise: subscribers pay a monthly fee to access a vehicle of their choice for a set period, typically ranging from a few months to a year or more. These services often include benefits such as insurance, maintenance, roadside assistance, and sometimes even delivery and pickup services. Unlike traditional car ownership or leasing, car subscription services offer greater flexibility and convenience. Subscribers can easily switch between different vehicle models, upgrade or downgrade their subscription plan, and avoid the long-term commitments associated with purchasing or leasing a car.

The Pros of Car Subscription:


Car subscription services allow subscribers to adapt to changing needs and preferences. Whether you need a compact car for city driving or a spacious SUV for a family road trip, you can easily switch vehicles to suit your requirements. If you’re happy with the car, you can keep your contracting rolling along for as long as you like. If you need or want to end your contract or change to a different car, you can do so at very short notice.


With all-inclusive packages that cover insurance, maintenance, and other expenses, car subscription services offer a hassle-free experience. Subscribers don’t have to worry about the complexities of car ownership, such as arranging insurance or scheduling maintenance appointments.


While the upfront costs of car subscription services may seem higher than traditional leasing, they often provide better value in the long run. With no down payment or long-term commitment required, subscribers can enjoy driving a new car without a hefty financial investment.

Some Perceived Cons of Car Subscription:

Monthly Payments:

Car subscription services entail ongoing monthly payments, which may not be ideal for individuals on a tight budget. While these payments cover various expenses, they can add up over time and may exceed the cost of traditional leasing or financing.

Limited Availability:

Subscribers may not always find their preferred make or model available, especially during peak seasons or high-demand periods.

Mileage Restrictions:

Most car subscription services impose mileage restrictions, limiting the number of miles subscribers can drive each month – typically between 800 – 1,000 miles. You can pay for higher mileage if you think you will need it, but exceeding limits may result in additional fees, making it essential for subscribers to carefully monitor their usage.

The Cost of Car Subscriptions

The cost of a car subscription service varies depending on several factors, including the vehicle model, subscription plan, and additional services included.

Monthly Fees

Monthly fees typically range from a few hundred to over a thousand pounds, with luxury or high-end vehicles commanding higher prices.

Additional Costs

In addition to the monthly subscription fee, subscribers may incur additional costs such as taxes, registration fees, and excess mileage charges. It’s essential to carefully review the terms and conditions of the subscription agreement to understand all associated costs fully.

How Do the Costs Compare to Leasing?

The monthly fee for usage may initially seem expensive versus traditional leasing and PCP rates, but the total running cost of the car is generally comparable once you take into account the absence of any lump-sum deposit and the fact that it includes insurance, charging and servicing costs.

Rather than it being seen as a bargain, the value of a car subscription is the price you put on no long-term financial commitment and being able to drive and change new or recent-model cars when you like.

Does Car Subscription Affect Your Credit Score?

Car subscriptions are not considered a loan and don’t affect the customers’ credit ratings.

Is Car Subscription Right for You?

Car subscription services have grown hugely in popularity over the last couple of years and they’re set to expand even further this year. Whether a car subscription service is right for you depends on your individual circumstances, preferences, and driving habits.

You should consider the following factors when making your decision:


If you require a vehicle for occasional use or short-term needs, such as a temporary job assignment or extended holiday, a car subscription service may offer greater flexibility than traditional ownership or leasing.


If you value the ability to switch between different vehicle models or upgrade/downgrade your car as needed, a car subscription service provides the flexibility you desire without the long-term commitment.


Evaluate your budget and financial goals to determine whether the monthly cost of a car subscription service aligns with your financial situation.

Driving Habits:

Consider your typical driving habits and mileage requirements. If you anticipate exceeding mileage restrictions or driving extensively, a car subscription service with flexible mileage options may be more suitable.

In conclusion, car subscription services offer a convenient and flexible alternative to traditional car ownership or leasing. By weighing the pros and cons and considering your individual needs, preferences, and budget, you can determine whether a car subscription service is the right choice for you.

Read here why you should choose AMT Auto for your Car Subscription service.

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AMT Specialist Cars Limited T/A AMT Auto is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include acting as a credit broker not a lender. Registered in England and Wales No: 08403661 | VAT Registration Number: 159095186 | ICO Registration Number: ZB212276.

We can introduce you to a limited number of finance providers. We charge a £239.99 arrangement fee for our Consumer Credit services. We typically receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.

AMT Vehicle Rental Ltd is authorised and regulated by the Financial Conduct Authority: FRN724010. BVRLA Membership No: 1559 | Registered in England and Wales No: 03713753 | VAT Registration Number: GB721712857 | ICO Registration Number: ZA120651. All companies are subsidiaries of AMT Global Investments Ltd - Registered in England and Wales No: 05904790.

Please note: Whilst every effort has been made to ensure the accuracy of the vehicle information and images, some errors may occur. It is important that you do not rely solely on the information, images or prices shown but confirm with AMT regarding any items that may affect your decision to rent, lease or buy a vehicle. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, guarantees may be required. Registered Address: AMT House, 174 Armley Road, Leeds, LS12 2QH, Tel: 0113 387 4240.

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