Smart Lease
The simplest way to drive a brand-new insured car, with servicing and road tax included. All for one monthly payment with no deposit.
Exclusively available for AA Members
Provided by LeasePlan UK Limited. AA Financial Services is a credit broker and not a lender.
Our best deals
The prices shown are for a typical 36 month term and 5,000 miles a year, and include comprehensive car insurance, servicing and maintenance, vehicle tax and VAT.
What's Smart Lease?
AA Smart Lease works just like a long-term rental. You pay a monthly fee for you and your partner to drive a brand-new car for between 2 and 4 years. You choose for how long.
Your AA Smart Lease monthly fee covers a comprehensive range of services, including road tax, servicing and maintenance. AA Smart Lease even includes tyres and glass replacement, plus you have the flexibility to change your mileage or term during your lease. And should your circumstances change, such as redundancy or other critical life events, you can terminate with no questions and no penalties.
We deliver your new car at the start of your contract and collect it at the end. It’s a brilliant and simple way of driving the latest cars without splashing too much cash.
What's included?
For a single monthly price with no hidden charges, you get a brand-new car with all the Smart Lease package benefits. And the clear price up front means you don't have to worry about unexpected bills ahead.
- Rental costs of your chosen car
- Fully insured car included
- Service, maintenance and repair costs
- Vehicle tax
- Single change of term or mileage
- No early termination fees for cancelling early if a critical life event occurs1
- Generous end of contract damage waiver
- Free delivery and collection
- Add your partner or spouse onto your lease for free
- 24/7 Accident management
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How it works
Smart Lease is flexible to provide the type of car you need, from 2 to 4 years, and for the mileage you drive. It just takes 4 steps to get a quote.
Learn more about leasing
It all sounds simple so far, but is there more to leasing? Don't worry, our guides explain the details and can help you make the right choice.
What is a car lease?
We explain how car leasing works and how it can benefit you.
Buy or lease a car?
More and more drivers are looking at leasing their next car instead of buying.
Returning your lease vehicle
Here's how to get your car in tip-top condition when it's returned to the leasing company.
AA Smart Lease is provided by LeasePlan UK Limited, which is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 312989.
The AA is a trademark of the AA Group and AA branded companies, and is used with permission under licence to LeasePlan UK Limited. LeasePlan UK registered office: 165 Bath Road, Slough SL1 4AA. Registered in England and Wales number 1397939.
AA Financial Services Limited is a credit broker and not a lender.
AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 912211.
Life can be unpredictable and throw unexpected challenges at you – that's why we include life-event break clauses into every Smart Lease contract.
Once you've had your Smart Lease car for more than 6 months, you qualify for the life-event break clauses. This means you won't be charged an early termination fee if you need to cancel your lease for these specific life events:
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redundancy – excluding voluntary redundancy, early retirement, and termination of contract by agreement or dismissal
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divorce or the dissolution of a civil partnership
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loss of driving licence for medical reasons for 6 months or more – excluding conditions that were pre-existing when the term commenced
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death of you or your partner – where it's not the result of alcohol, solvent or drug abuse
Plus, if you're pregnant or adopting and need a bigger car, you can change to a different vehicle under the Smart Lease scheme and won't be charged an early cancellation fee.
You're not required to inform us about any medical conditions at this stage, unless they render you unable to drive now, but we may require evidence of them to process a claim.
Find out more about DVLA reportable medical conditions.
The early termination fee is calculated as 50% of the sum of the remaining monthly payments due on the vehicle at the time of the early termination. In the unlikely event that the early termination fee exceeds £10,000, the life-event break clauses can't be used.
If you do cancel your lease early, you're still entitled to the benefit of the contract's damage waiver. So long as the condition of your vehicle is in line with the BVRA Fair Wear and Tear Guide, any identified damage that adds up to £500 including VAT will be waived.
However, in the unlikely event that the damage is valued over £500, you'll have to pay the full amount.
The AA Financial Services privacy notice and the LeasePlan privacy notice explain how and why we use your personal information – including what details we hold, whom we might share them with, and your choices and rights. It also includes information about any checks and decisions we may make.
The car you lease is comprehensively insured as part of your monthly fee so you don’t have to worry about picking the appropriate level of cover for you.
If you have an accident, any damage is fully paid for. The insurance covers the cost of the repair and/or any replacement parts. If any parts are stolen, we’ll replace the part and cover any labour costs.
Plus, the insurance covers personal belongings in your Smart Lease car if they're lost or damaged due to an accident, fire, theft or attempted theft.
You’re also able to claim for any damage to your windscreen. Windscreen repairs are free of charge. There's a £100 administration fee for replacement windscreens.
Legal costs of up to £100,000 are also included, along with medical expenses. As is liability to others, the cost of damage to property, or death or injury to another person.
No annual renewal is required as your car is covered for the duration of the lease, even if you have an accident you won’t have to pay more.
You can add a partner or spouse onto your lease for free. Providing this information is given to us, and your partner passes the eligibility checks, they’ll be listed on your certificate of motor insurance. They’ll receive the same level of cover as you.