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Driver Guide

Worry free all-inclusive motoring


Contents
Welcome! Accidents and Breaking Down
Opening Hours 1
Accident Damage 10

Breakdown Cover 10
General and Administration
Glass Repair & Replacement 10
Keep us informed 3
Accident Management 10
Road Tax 3
Accident Procedure 11
Personalised Number Plates 3

Travelling Abroad 3
Fines
Motor Insurance 4
Speeding Fines 13
Salary Reductions 4
Parking Fines and Charges 13
Congestion Charges 13
Maintaining Your Car
Contesting Fines 13
Servicing and Maintenance 6

Repairs Not Covered 6


Leaving the Scheme Early
Safety Checks 6
Maternity Protection 15
Mileage Monitoring 7
Early Termination Charges 16
Smoking & Driving 7
Resignation & Redundancy 16
Fuel 7

Tyres 8
End of the Agreement
Defect Rectification Notice 8
Renewing Your Car 19

MOT 19
Tusker - Driver Guide | 1

Welcome! Opening
At Tusker we’re dedicated to providing you with Hours
first class customer service and a worry-free
motoring experience. Our offices and customer services
are open between 8am and 6pm,
Monday to Friday.
We’re always along for the ride and will be your
first point of contact for any servicing, Tusker
Building 4 Hatters Lane
maintenance or tyre queries through our Croxley Green Business Park Watford
nominated partners. Hertfordshire
WD18 8YF

customerservices@ss4c.com
Thank you for choosing Tusker for your Driverline: 0333 400 2020
new car.

Outside our opening hours, our


emergency driver services facility is
available 24 hours a day, 7 days
Paul Gilshan a week. The Driverline switches to
Chief Executive Officer this service when it is out of hours.
General and
Administration
Tusker - Driver Guide | 3

Keeping us Vehicle Exise Duty


Informed (VED) Road Tax
It’s important that you always update us To keep you on the road legally, we’ll make sure that your VED Road Tax is
if you change your address, or any other always up to date.
personal details. To change your personal
details, simply login to the driver portal, In 2014, the Government changed the process of taxing a vehicle and you
select ‘My Account’ and then ‘Personal are no longer required to display a paper tax disc. If you’d like to check if
Details’ or call us on the Driverline Tel your vehicle is up to date or when the Tax is due you can see this by visiting
0333 400 2020 and select the www.vehicleenquiry.service.gov.uk
customer services option.
You will need to know your vehicle registration and the manufacturer to
obtain the correct information.

Travelling Personalised
Abroad Number Plates
If you’d like to take your car abroad, you’ll To find out if you’re allowed to fit personalised number plates,
need a VE103b certificate and a green please check your Scheme Policy. If you are, you’ll need to let us
card. This is a legal requirement and printed know and you’ll be responsible for all associated costs of getting
copies must be carried with you when these fitted, including any administration charges.
travelling outside of the United Kingdom.
Call 0800 0923273 to speak to the RAC You’ll need to make sure the personal plates are removed 6 weeks
and request a certificate and green card before the car is returned. To do this please contact customer
directly. Please note, different countries services. If you forget to remove the personalised plate before the
have certain requirements of what return date, you may lose ownership of it.
motorists need to have in their vehicle while
driving in their country so always check The DVLA may take up to 6 weeks to process a plate change. If
requirements beforehand for the country you decide to leave the scheme early and your plate change is not
you’re visiting. complete by the date you leave your employment, you may incur
an additional salary sacrifice amount.
We charge a £10 fee for producing and
sending this to you. Payment will be taken
by credit or debit card over the phone and
you’ll need to allow 14 days’ notice for us
to arrange and send you the document. A
VE103b certificate is valid for 12 months.

Roadside Assistance and


Maintenance Abroad
Your VE103b pack contains a booklet
detailing the procedures you should follow if
your car breaks down.

It’s your responsibility to check that any


necessary maintenance, servicing work or
tyre requirements are carried out in the
UK prior to travelling. Should you suffer a
puncture or breakdown, please refer to your
VE103b pack.

Please note, different countries have


certain requirements of what motorists
need to have in their vehicle while driving in
their country so always check requirements
beforehand for the country you’re visiting.
Tusker - Driver Guide | 4

Motor
Insurance
Once your car has been delivered, the
policy documents will be emailed to you
by Howdens. If you have not received
them 14 days following delivery, please
contact your HR department.

Your motor insurance includes:

• Fully comprehensive insurance for


all UK and European travel for you
• Personal business use for you
• Social, domestic and pleasure cover
for any named additional drivers
• Fixed premium for the term of your
agreement (on the basis that you
have no more than two fault claims
within any preceding 12 month
period)
• Total loss protection - for
unexpected losses that may be
payable following the “write off”
of your car due to Fire, Accident or
Theft.

The policy is issued on a 12 month


insurance basis and, in all instances, your
premium will not be affected until the
next renewal date. If you do have any
incidents or claims, your next annual
premium may be affected.

Salary
Reductions
Every Pay Period, your Employer will
reduce your gross salary by the agreed
amount. We recommend that you check
your payslip to ensure your salary
sacrifice amount is correct in the months
following delivery or if you rewrite the
agreement at any time.
Maintaining
Your Car
Tusker - Driver Guide | 6

Servicing & Maintenance


To book your car in to be serviced or for maintenance work, • Most garages offer courtesy cars and we recommend
you can either call the Driverline or log in to the driver that you give a minimum of 15 days’ notice to ensure
portal, select ‘My Account’, the ‘My Car’ tab and then the availability. We’re not always able to guarantee a courtesy
‘My Car’ button. From here select ‘Book service/repair’. car because it depends on the garage’s capacity and is
Have your car registration, current mileage reading and 3 subject to availability. However we will do our best to assist
preferred dates ready. where we can. Courtesy cars will not be reflective of the
car you’re currently driving. If you drive an electric car,
• It’s our policy to use non-franchised garages within a then the courtesy car is still likely to be a petrol or diesel.
preferred network for service and repair to ensure the Also, drivers should inform at the point of request if they
servicing costs are kept to a minimum and fed back into only have an automatic licence and therefore an automatic
your reduction figure unless you decided to select the courtesy car is required.
cost option ‘Franchise Dealer Servicing’ when you placed
your order. Please be aware that it is your responsibility to regularly check
and maintain levels of engine oil, coolant, and where relevant,
• All warranty concerns and repairs will be booked with
Adblue. The costs to top up these fluids are not included within
main dealers.
the scheme.
• Due to our agreed network terms and conditions, you
are unable to specify or request to use another garage. It’s also your responsibility to make sure that the car is serviced
in line with the manufacturer’s guidelines. The required intervals
• Any form of work that is needed on your car must be can be found in the manufacturer service book, if your car is not
booked by Tusker via our approved network. If you do on a Variable Servicing System. If you are unsure then please call
not follow this process, Tusker may refuse to accept the us on the Driverline and select the servicing option.
work which means that you’d be liable for the full cost.
• Depending on your location and the repair required, we If this isn’t managed, it means that any costs incurred as a result
can arrange for your car to be collected and delivered of the car not being regularly serviced or fluid levels maintained
back to you, we just need 5 working days’ notice.* may be recharged to you.

Repairs not Safety


covered Checks
Some repairs won’t be covered by the
maintenance agreement. For example:
We strongly recommend that you carry out
• Stone chips regular safety checks on your car. If issues
do occur which are due to driver negligence,
• Fluid top-ups error or misuse, then repairs will be charged
to you.
• Missing trim, locking wheel nut keys and
other items Weekly car checks should include:
• Locking your keys inside the car
• Tyres for inflation levels, visible damage
• Mis-fuelling and tread depth
• Running out of fuel • All lights are in full working order
• Driver error/misuse • Water levels - check and top up washer
bottle levels
• Accidental damage
• Oil and fluid levels -check, and top
• In some instances, replacement glass may up engine oil, Adblue and coolant as
not be covered by the motor insurance detailed in the manufacturer’s handbook
(mechanical failures resulting from non-
If repairs are needed due to these incidents, maintained or low fluid levels will not be
the costs to repair will need to be settled covered under the vehicle maintenance
by you. Any damage must be repaired by a agreement)
Tusker recognised garage or service provider. • Registration plate cleanliness & visibility
Sub-standard repairs will need to be rectified,
and paid for by you.
*subject to availability
Tusker - Driver Guide | 7

Mileage Smoking &


Monitoring Driving
We recommend regularly updating your mileage on the driver portal. This will All salary sacrifice cars are ‘no
allow us to check the agreed mileage is in line with the car’s actual mileage. smoking’. The no smoking sign on your
windscreen should be visible at all times.
Excess Mileage
When you chose your car you decided the annual mileage. If you wish to
change this mileage figure later on, we can rewrite the agreement to

Fuel
accommodate this after the first 12 months, as long as there are no National
Minimum Wage implications for your employer. Please note: We’re unable to
change the mileage if there are less than four clear billing months remaining
on the agreement.

If you return your car with more than the agreed mileage, you’ll be charged an
It’s important that you make sure the
excess mileage cost to cover the expense of the additional vehicle
correct fuel is used in your car at all
depreciation and servicing costs that will have been incurred due to the
times. If a situation occurs where you’ve
additional mileage. If you’d like us to review the agreed mileage, please email
mistakenly filled your car with the
the current mileage of the car and your expected monthly mileage to our
wrong fuel, please follow these simple
customer services team. You can find the excess mileage pence per mile on
guidelines:
your quote and this figure will be subject to the addition of VAT.
Discovery at refuelling station

1. DO NOT try to start up or drive the

Driving car away.


2. Inform the forecourt attendant

electric?
cashier immediately.
3. Inform any drivers waiting to use
the fuel dispensing point.
Have an electric car with us? Please be aware that the range shown by the 4. Avoid locking and unlocking the
manufacturer is the quoted range. It’s also important to be aware that cold doors as, on some models, this can
temperature can reduce the available range in electric cars. This is due to the prime the fuel pump which could
the increased use of in-car heating and lighting and the batteries themselves draw contaminated fuel into the
don’t perform as well. Depending on how cold it is, in sub zero temperatures, fuel system.
the range can drop by almost 30%. Plus, when batteries are cold, the amount 5. Call the Driverline to contact your
of time it takes to charge them increases. Overnight charging can take an breakdown recovery provider.
extra hour or two to fully charge up the batteries.

Discovery after exiting the fuel


station

1. Stop your car in a safe place, as

DPF: Care and Costs


soon as possible.
2. Treat the situation as a vehicle
breakdown.
3. Call the Driverline to contact the
breakdown recovery provider.
All new diesel vehicles by law have a diesel particulate filter to reduce the
emissions your vehicle produces. The DPF is programmed to regenerate 4. Avoid locking and unlocking the
doors as, on some models, this can
periodically and when the engine reaches its optimum running temperature.
prime the fuel pump which could
Once the regeneration process has commenced the vehicle will need to be draw contaminated fuel into the
driven at a constant speed for a period of time to allow the regeneration cycle fuel system.
to complete, you should refer to your manufactures driver guide to confirm
the exact requirements for your vehicle. Failure to allow the regeneration
cycle to complete can result in the DPF becoming blocked which is not
covered by the manufacturer’s warranty or by your Tusker service and repair
agreement therefore may result in extensive charges to you.
Tusker - Driver Guide | 8

Tyres
• Replacement tyres are included in the To have your tyres replaced,
scheme. please call 0333 400 2020
and select the tyre option.
• You should regularly check the
condition and tread depth. • If you require a spare
wheel to be fitted due
• If you’re unsure how to check them you
to a puncture, call 0333
can visit your local Kwik-Fit who will
400 2020 and select
check them for you. Just inform Kwik-
the breakdown/roadside
Fit that you have a Tusker vehicle and
assistance option.
they will check your tyres.
• If your car is fitted with run
• Tyres can be replaced at 2mm of tread flats, you may be able to
or less. carry on your journey for
a limited distance at lower
• The current legal limit in the UK is speeds.
1.6mm. • It’s important to be aware
• Tyres cannot be changed at a garage that manufacturers are
or any supplier other than Kwik-Fit. increasingly replacing
Therefore it’s important to regularly spare wheels with repair
check your tyres as replacements sprays - please refer to the
will not be carried out when the car manufacturer’s handbook
is serviced or MOT’d. If your car is or contact Tusker on the
presented to a repairing garage with Driverline for further
illegal tyres, the vehicle may not be information.
released back to you. When returning • If you use an inflation kit
the car to Tusker at the end of the and need a replacement
agreement all tyres must be road legal, tyre, Tusker will replace this
as the collection agent cannot collect a free of charge.
car with illegal tyres and this will incur
an aborted collection fee.

Defect Rectification
Notice
If your car is defective, e.g., one of its indicators is broken, you may
be issued with a vehicle defect rectification notice by the Police. This
means that you’ll have to provide proof at a Police Station that the
fault has been fixed.

In this circumstance, please call 0333 400 2020 as soon as possible


to book your car into one of our approved garages and ask the garage
to provide a copy of the invoice for your records.

Remember that damaged items are not covered by the maintenance


agreement.
Accidents and
Breaking Down
Tusker - Driver Guide | 10

Accident Damage

You mustn’t leave accident damage to your car unattended. When reporting damage it’s important to note that you are
Any damage should be reported and rectified as quickly as responsible for paying the insurance excess to the garage
possible. You are responsible for any charges gained from upon collecting the car. You are responsible for paying the
unreported damage when the car is returned. Any damage insurance excess even in non-fault accidents. This cost will
must be repaired by a recognised garage and be to a high be claimed back from the other party through the non-
quality standard. If the repair is not to the correct standard insured loss recovery service provided by the Accident
you will be charged a poor previous repair fee. Management provider FMG, and repaid to you directly.

Accident
Breakdown Cover Management
We know that an accident can be a distressing
European breakdown cover assures recovery time may vary on situation. This is why we include an accident
you of assistance if you get into average between 1 & 3 hours. management service as part of the service
difficulties whilst motoring in the UK An onward travel vehicle can provided to you. This includes the following
or Europe. Your breakdown cover be made available to you free benefits:
includes: of charge for up to 48 hours
• First Notification of Loss (FNOL) is taken
however this will not be a like
• Roadside Assistance over the phone so no lengthy forms to fill in
for like car. You will need to
• Recovery request this facility. You will • Active management of the repairer and
also be required to present insurer to minimise time to repair
• Home Start (assistance if the a credit card for a deposit to
breakdown is at home or work cover fuel, damage and any • Provision of a replacement car by a garage
and not just whilst you are on cost arising from usage. (not like for like unless it is a non-fault
the road) accident) for the repair’s duration where
If the replacement car is required
If you need roadside assistance call
the Driverline on 0333 400 2020. A required for longer than 48 • Whilst the car is being assessed you may be
breakdown agent will be dispatched hours, you must contact entitled to a courtesy car
and it might be necessary for the us directly to discuss your
options. • Excess is always payable to the garage and
car to be recovered to a repairer.
in the case of non-fault accidents will be
Please be aware that depending
recovered by Uninsured Loss Recovery and
on call volumes and your specific
paid back to you directly once all costs have
breakdown situation, the
been settled

Glass Repair &


Replacement
For any windscreen replacement and repairs, contact our accident
management provider through the Driverline on 0333 400 2020. If the
glass needs to be replaced, they will inform you about the excess amount
payable, or you can find this information in your motor insurance policy
document.
Tusker - Driver Guide | 11

Accident
Procedure
If you’re involved in an accident, you
must under no circumstances admit
liability or blame at the scene.

Where possible, you should do the


following:

• Record the involved parties’ names


and addresses, and their insurer’s
names and addresses
• Record the names and addresses of
any witnesses to the incident

To anyone with reasonable grounds for


requiring the information, you should
give the following:

• Your own name and address


• Registration number of the car
• Your insurer’s name, address and
your policy number
• Make a note of the make, model
and registration number of all cars
involved in the accident

Call the Police to the scene if:

• You or anyone else has been injured


• Damaged vehicles constitute a
road hazard
• Traffic signs, road markings, etc.
have been damaged

Once all necessary details have been


exchanged, please call immediately to
report the accident.

Do not attempt to drive your car


if there is any doubt about its
roadworthiness or safety.
Fines
Tusker - Driver Guide | 13

Speeding Parking Fines and


Fines Parking Notices
As Tusker is the owner and registered If your vehicle is issued with a Penalty Charge Notice and you fail
keeper of the car, we always receive the to pay within the initial timeframe, the authority will then send a
first notification of any fines. As soon as “Notice to Owner” to Tusker as the registered keeper of the car. We’ll
we have this we’ll complete the relevant pay and recharge all local authority fines including TFL and all toll
form with your contact details, including roads within the timescale stipulated to ensure the fine amount does
your home address and send it back to the not increase. You will be liable for this cost plus an administration fee
relevant authority, who in turn will send of £10+VAT.
you the details of the offence. Tusker may
charge an administration fee of £10+VAT, Where possible we will always advise private parking companies to
which we will invoice to your employer send their notice directly to you for settlement. This means you will
and they will deduct it from your net be able to challenge the notice with the issuing company directly.
salary.
Tusker reserves the right to pay any fine on your behalf if a
Please note that it is your responsibility private notice increases or escalates to debt recovery, or if our
to inform the insurance provider of any arrangements with the relevant parking company allow us to do so
penalty points issued to you. This may without impacting your ability to challenge the notice.
result in a review of your premium. Please note there are additional restrictions around notices issued on
Failure to do this may result in your motor railway land and as such these will be paid immediately by Tusker and
insurance being invalidated. cannot be contested.

All fines and charges are dealt with according to guidelines laid out
by the following organisations: British Parking Association, British
Vehicle Rental and Leasing Association and Protection of Freedoms.

Congestion
and ULEZ Contesting
Charges Fines
As the driver of the car, you are within
It’s important to be aware that you your rights to contest any fines but you
are responsible for the costs of driving must contact the authority directly. If
into the Congestion Zone and the Ultra the authority upholds your objection,
Low Emissions Zone (ULEZ). Although they will credit us, and we will credit
pure electric car are eligible for a 100% your employer, and instruct them to
discount on the Congestion Charge , unless credit you minus the administration fee.
you have a green number plate you’ll Please note, many authorities have a
still need to register your car with TFL to very tight deadline for contesting a fine,
apply for the discount and travel in the therefore you will need to act quickly.
congestion zone.
If you are contesting a ticket
We’ll pay any fines within the timescale (given to you directly), please
stipulated by them to ensure the fine email the details immediately to
amount does not increase. You will be liable fleetadmin@tuskerdirect.com. This
for this cost plus an admin fee of £10+VAT. will reduce the possibility of Tusker
We will invoice this to your employer and paying the fine twice.
they will deduct it from your net salary.
Please note: we will not accept liability
It is your responsibility to ensure that your for an increase to the fine if we have
car is registered with TFL for exemption received communication from you
(where applicable) from the congestion advising you are contesting it.
charge.
Leaving the
Scheme Early
Tusker - Driver Guide | 15

Maternity
Protection
If your agreement includes maternity,
paternity and adoption protection, it
will provide protection for the gross
salary sacrifice amount of the car over
a select period. Only one claim can be
made in the select period, subject to
the maximum level of cover provided.

The protection will not apply if at the


point of ordering you are more than 8
weeks pregnant.

To find out if your agreement includes


maternity, paternity and adoption
protection and to what level, please
contact customer services.
Tusker - Driver Guide | 16

Early Termination Charges


We understand there may be times when you need to return your car early and if the
reason is not included within the Early Termination Protection, there will be an Early
Termination Charge.

Resignation & Redundancy


You will need to check your Scheme Policy to understand You will be liable for an excess mileage charge if the miles
what protection is included; not all of the following may be driven to the date of termination exceed the mileage
applicable. allowance calculated from the annual mileage of the
Resignation Protection agreement. Any damage above and beyond the criteria set
out by the BVRLA will be recharged to you if it is not fixed
If you resign (tender your notice to advise you will be before the car is returned. You can find a copy of this guide
leaving your employment) after the set exclusion period by visiting
following delivery of your car (check Scheme Policy for http://www.bvrla.co.uk/advice/guidance/returning-your-
details), you’ll be protected for any Early Termination Charge
that would normally be incurred as a result of leaving the leased-vehicle. Please make sure that all keys, remote
scheme early. This is providing that we receive the following devices, alarm/immobiliser codes and the service book (if
documentation within one month of the car’s return date: applicable) are returned.

• Either an employee’s resignation letter and an employer Tusker are unable to settle the Early Termination Charge
acceptance letter or a driver declaration form
if at the commencement date, the employer or the
• Signed early termination paperwork employee were aware that they were going to resign or if
the notification date of the resignation occurs within the
Upon the tender of your resignation you’ll need to contact us exclusion period.
and give the following information:
Redundancy Protection
• Date resignation tendered
If you’re made redundant after the set exclusion period
• Date of leaving your employer’s employment
following delivery of your car (check your Scheme Policy for
• Reason for leaving i.e. resignation, dismissal, redundancy details), you’ll be protected for any Early Termination Charge
etc. that would normally be incurred as a result of leaving the
• The car’s current mileage scheme early. This is providing that we receive the following

Upon receiving this information we will prepare the required • Copy of employee’s letter of notice of redundancy
paperwork for your employer to complete. Once your
• Signed early termination paperwork
employer has signed the required documents, the customer
services team will contact you to arrange collection. This
Tusker won’t be able to pay the Early Termination Charge if
will be Monday to Friday between 8am and 6pm. It’s not
the following occurs:
possible to provide a collection time, however it’s important
you are present at the time of collection and return items
such as spare keys, service records (where applicable), • At the delivery date, the employer or the employee was
aware of the redundancy
locking wheel nuts (if applicable) and any other removable
items that belong with the car. Failure to provide these items • The notification date of the redundancy occurs within
can result in a charge. You will be charged for missing items the exclusion period
to reflect our estimate of any resale loss suffered. • An employer changes the terms and condition of
employment which means that an employee needs to
It’s important that the car is returned to Tusker before your reapply for their position
last day at work. If we do not receive collection details by
this time, your employer may need to take legal action to To inform us of a redundancy, please follow the instructions
recover the car from you and you will be liable for any costs in the Resignation Protection section. Please remember that
incurred. once you leave the company, you will no longer be insured to
drive the car.
End of the
Agreement
Tusker - Driver Guide | 18

Renewing
your Car
You have a number of choices at the end of the
agreement: you can choose to re-enter the
scheme, just return the car or you can buy it
from us.

We’ll get in touch with you 6 months before


the end of the agreement to remind you of the
end date and your options.

If you’re planning to return the car, you’ll need


to check that it’s free from damage and where
applicable, your application to remove your
personal plates has been made. You can find
a link to the BVRLA’s Fair Wear and Tear guide
(the damage guidelines we work to), on the
driver portal. Any damage in excess of the
BVRLA criteria will be recharged to you if it
hasn’t been fixed before the car is returned.

Please make sure that all keys, remote devices,


alarm/immobiliser codes and the service book
(if applicable) are returned. Failure to provide
these items can result in a charge. You will
be charged for missing items to reflect our
estimate of any resale loss suffered.

If you’d like to purchase your car, we’ll be happy


to provide you with a ‘price to purchase’ in the
last 2 months of the agreement (unless the
agreement is being terminated early).

Important: Please note that if there is any


circumstance which prevents us from collecting
your car at the end of the agreement term
(e.g. if you wish to purchase the car, or are
interested in re-entering the scheme, but fail to
return the necessary paperwork to us on time,
MOT
or you fail to arrange with us a date for us to
collect the car from you) and you continue to
have possession of the car, then we will extend It’s imperative that your car is booked for an MOT just prior to it
the term of your agreement on a monthly reaching three years old. Failure to do so will render it illegal on
basis. In these circumstances your salary the day of collection and could also invalidate your insurance if
sacrifice arrangement with your Employer will driven without a valid MOT.
also be extended on a monthly basis, and your
Employer will continue to reduce your gross If the car does not have a valid MOT on the day of collection
salary by the amount of the agreed rentals, then you will be charged any cancellation costs that may be
until such time as the car has been returned or incurred from the collection agent. You must also ensure that
the purchase/re-entry completed. the tread of the tyres are above the legal limit and the vehicle is
safe and roadworthy or this could again mean the collection has
To discuss your options, please contact our to be aborted and the cost passed on to you.
Employee Engagement Team on 0333 400
7464. We’ll contact you 3 months before the due date to remind you
that this is needed. You’ll then need to call us to book your car in
to a suitable garage at a date convenient to you.
Opening Hours
Our offices and customer services are open between
8am and 6pm, Monday to Friday.

customerservices@ss4c.com
Driverline: 0333 400 2020

Outside our opening hours, our emergency driver


services facility is available 24 hours a day, 7 days a
week.

The Driverline switches to this service when


it is out of hours.

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