• Income tax saved
• Tax-free business mileage allowances
• Taxable salary car allowance

FUNDING YOUR OWN CAR - USE THE EXPERTS
Wide range of low priced new and “nearly-new” vehicles – SJF buys directly from the manufacturer – access to over 45 manufacturers
SJF pricing is done directly with the manufacturer, using the combined purchasing power of our finance houses secures enormous economies of scale, allowing us to negotiate extremely competitive discounts on new and nearly new ( up to 11 months old) vehicles. Together our finance houses purchase millions of pounds worth of new vehicles every year.
SJF is also able to secure lower prices on maintenance, servicing, tyres, parts, roadside rescue etc., all the discounts are passed on to the drivers.

Corporate funding rates – Corporate rates for companies and car allowance drivers
The vehicle finance market has become a “minefield”. It is very difficult to know which funder is best for which vehicle. As part of the benefit in using SJF you have access to the UK’s largest finance houses and preferential finance rates. The corporate finance rates were always available to companies, plc’c etc
SJF is able to offer employees with a car allowance the same corporate discounts (subject to status) as fleet buyers of Plc's are Limited companies.
SJF also arrange "Guaranteed Buy-Back’s” on most vehicles to avoid any future disposal worries.

Choosing you funding method – Complete peace of mind
SJF arrange a variety of different cost effective financing methods depending on whether drivers want to purchase, lease, hire or a combination.
SJF will also arrange maintenance, Road Fund Licence, Road Side Rescue Cover, motor and GAP Insurance and Payment Protection, which covers redundancy, sickness or accident. Plus support services to compliment your finance options.
SJF has facilities available to do no - deposit (although this will reduce monthly payments).

Impartial Guidance and Advice
SJF will consult with drivers to establish the most appropriate solution for the drivers motoring requirements.
SJF now deal with over 45 manufacturers: 10 Finance Houses; over a dozen different financing methods.
SJF main objectives is to ensure driver receive the best possible independent, impartial guidance and advice.

Maintenance
One of the unpredictable aspects of running a car is servicing and maintenance expenditure. A comprehensive manufacturer’s maintenance package can be arranged for your chosen car.

The services are carried out at any main franchise in the UK, courtesy cars are arranged locally as some drivers do not require a courtesy car, approval is authorized, the work is carried out and the driver signs for the work and drives away, the cost is all covered by the maintenance agreement.

Contract maintenance allows drivers to spread the cost of maintaining the vehicle over the contract period through regular fixed monthly payments. The maintenance package includes servicing, maintenance, replacement tyres, batteries and exhausts, road fund licence, road side rescue, MOT, and extended warranties where drivers exceed the manufacturer’s standard warranty for the life of the contract.

This facility is particularly attractive to ex-company car drivers, who are familiar with the benefits of a "hassle-free" - fully maintained car.

Road Tax (RFL - Road Fund Licence)
With new vehicles, the Road Fund Licence for the first year is included. However, dependent on the financing method you choose the RFL to be included for subsequent years of your agreement.

Motor Insurance
Using a car for business travel does expose drivers to additional risk, if only because of higher miles travelled. Most insurance policies only cover domestic and social use, some of the additional issues that will need to be covered are:-

• Comprehensive
• Business Use Class 1 (Owner-driver)
• Business Use Class 2 (Any other driver) - optional
• Samples, Tools and Goods (if not covered by your employer)
• New for Old Cover
• Social & Domestic Use
• Carriage of Passengers (Not fare paying)
• Replacement Car
• 12 points plus
• Foreign use cover

No Claims Bonus
It is recognised that many company car drivers may not have their own car insurance policy and No Claims Bonus. As a member of a properly designed company car allowance scheme, your employer can arrange for you to be given a letter confirming your driver history for the last two-five years, which should secure you a level of No Claims Bonus discount. In addition, by using one of SJF approved insurance brokers, you may be able to enjoy the benefit of corporate insurance rates, at least for the first year.

Payment Protection Plan Insurance/Early Termination Cover
Drivers have the option to take out cover on their monthly finance payments. This can include cover for redundancy, resignation, sickness, disability or accident. Cover can also extend to pregnancy. Details are available on request from SJF
For more information, e-mail info@sjfm.co.uk or call us on 0161 426 4060