SalSac has established itself as one of the UK’s leading salary sacrifice lease car providers, specialising in bespoke Electric Car Salary Sacrifice Schemes for businesses.
SalSac uses an automated software system that quickly generates comprehensive customer quotations, via their network of 18 partner brokers.
SalSac provides a full-service, easy-to-implement solution, including bolt-on products such as EV chargers. They partner with Mr Charger to offer fully fitted electric car home charge points, which can be included within the salary sacrifice to benefit from tax savings.
SalSac Salary Sacrifice Pros & Cons
- Cost-Neutral for businesses
- Option to purchase the EV at the end of the lease
- Home charger inclusion under the salary sacrifice
- Employee engagement and education via webinars
- Expert customer support
- Early termination fees
We selected these pros and cons based on the criteria that Electric Car Guide customers identified as the most important to them in our survey of EV owners. We also researched real-world customer reviews (both positive and negative) and compared SalSacs’s features with its nearest competitors.
Am I eligible for SalSac Salary Sacrifice?
To be eligible for a SalSac scheme an employee must be aged between 18 and 75 years at the beginning of the lease term. If insurance is included in the agreement, the maximum permissible age is 78 at the end of the lease term.
You have to be a permanent UK resident, to ensure the scheme aligns with UK tax laws and regulations.
You must hold a valid driving licence for the entire duration of the lease period to guarantee that you are legally permitted to drive in the UK.
The applicant must be a permanent PAYE (Pay As You Earn) employee and your basic pay must not fall below the National Minimum or Living Wage after all deductions, including those related to the lease. This safeguard ensures that the scheme operates responsibly and does not put participants in financial difficulty.
Salsac Salary Sacrifice features at a glance
|Contract||Salary Sacrifice Lease|
|Minimum term||24 months|
|Early terminiation details||SalSac will attempt to relocate the contract to a new employee or new employer if needed.|
If relocation is not possible, early termination fees will apply.
Included in the contract is an early termination provision that covers 50% of the penalty amount.
A funder early termination option is available at an extra cost, requiring a 3-month notice, offering more comprehensive coverage.
|Deposit required||No deposit|
|Charging benefits||The cost of a home charger unit and its installation can be included as salary sacrific over the lease's duration. SalSac partners with Mr Charger to provide and install the charger.|
|Number of models available||All current UK EV & PHEVs available|
|Whats included?||Manufacturer warranty|
Full maintenance including EV tyres
Employee engagement & free webinars
|Car purchase option||SalSac allows employees to purchase the vehicle at the end of the lease term, but the employer or anyone financially linked to the employer's business cannot buy the car.|
|Customer support options||Online chat support|
customer service email address: [email protected]
customer service phone number, 0330 174 6768
|Pros||Cost-Neutral for businesses|
Option to purchase the EV at the end of the lease
Home charger inclusion under the salary sacrifice
Employee engagement and education via webinars
Expert customer support
|Cons||Early termination fees|
|Eligibility||Employee must be aged between 18 and 75 at the start of the lease; 78 maximum if insurance is included.|
Must be a permanent UK resident.
Must hold a valid UK driving licence for the entire lease duration.
Must be a permanent PAYE employee.
Basic pay must not fall below the National Minimum or Living Wage after all deductions, including the lease.
SalSac Salary Sacrifice full review
SalSac was established in 2021 and is headquartered in Amersham, Bucks.
Offering a fully comprehensive service, as you would expect from one of the best EV salary sacrifice packages, SalSac takes responsibility for every step of the process, from liaising with employees and finding them the right lease car to handling payroll deductions and P11d BIK reporting.
With no setup fees, hidden costs, or unexpected charges, the service is fully managed while remaining cost-neutral. SalSac’s fee structure is based on National Insurance and tax savings and they fix their fee over the entire term.
Contract and early termination protection
SalSac offers a minimum 24-month lease agreement.
If you want to terminate the agreement early SalSac will work with you to try and relocate the contract to a new employee or your new employer.
If you are not able to move the contract early termination fees will apply.
Included in the contract is a provision for early termination that covers 50% of the penalty amount. SalSac also offers a funder early termination option at an extra cost. This option requires a 3-month notice and provides a more comprehensive cover.
Salsac pricing structure
SalSac’s pricing structure is ‘cost-neutral’, here’s how it works:
- No setup fee
SalSac does not charge a fee to set up its salary sacrifice scheme.
- The fee is taken from tax savings
The fee for SalSac’s service is derived from the employee’s National Insurance and tax savings. This ensures that the system is effectively run at no cost to either the business or the employee.
There is no deposit needed for SalSac salary sacrifice scheme cars.
SalSac charging benefits
With SalSac, the cost of a home charging unit and its installation can be added to the lease order.
Employees are able to spread the cost across the duration of the lease term and receive the salary sacrifice tax benefits on the charger as well as the car lease.
SalSac has partnered with Mr Charger, a national EV charger installation company, to offer a one-stop solution for both EVs and chargers.
SalSac car options
SalSac offers all models of EVs and PHEVs that are available through their broker partners.
What’s included with SalSac?
SalSac’s Salary Sacrifice scheme is designed to provide a complete all-inclusive service, including:
All vehicles leased through SalSac come with the original manufacturer warranty.
SalSac includes a comprehensive electric car breakdown cover package.
SalSac provides an option for comprehensive, fixed-fee electric vehicle insurance for the term of the lease.
Employee engagement & free webinars
Recognising that a Salary Sacrifice scheme might be new to some employees, SalSac offers tailor-made, interactive webinars. Their experts guide staff through the details of the scheme and answer any questions that your team might have.
Full maintenance including EV tyres
SalSac’s full maintenance package covers all scheduled services, including EV-specific tyres, brake pads, and discs. This ensures that all employee cars are maintained to a high standard.
Can I purchase the car at the end of a SalSac lease?
SalSac typically offers the option for the employee to purchase the vehicle from the funder at the end of the lease term.
There is one significant restriction though, the employer or anyone with a financial link to the employer’s business is unable to purchase the vehicle.
SalSac customer support
SalSac provides a good range of customer support options.
Online chat support: SalSac’s online chat support works well and it’s a real expert on the other end. Our experience with their chat service was impressively swift, and we were pleased to be greeted by a real person, not a bot. They followed up with more information via email promptly.
SalSac provides a dedicated customer service email address: [email protected].
SalSac’s customer service phone number, 0330 174 6768, offers a direct line to their support team.
SalSac lead time & delivery cost
If the vehicle is in stock it can take as little as a few days for SalSac to arrange delivery, if it is not in stock though the wait can be up to 6 months.
There is no delivery fee payable.
SalSac (as the name might suggest!) are Salary Sacrifice experts. They offer a full-service Salary Sacrifice, from the vehicle selection to the scheme administration.
What SalSac Salary Sacrifice does well
Cost-Neutral for businesses
There are no hidden costs, no setup fees, and SalSac’s charges are based on the National Insurance and tax savings, making it a financially attractive option for employers.
Vehicle purchase option
Unlike other schemes, employees have the opportunity to purchase the vehicle at the end of the lease term.
Home charger inclusion under the salary sacrifice
The partnership with Mr Charger allows for the inclusion of a home charging unit and installation cost, benefiting from the salary sacrifice and spread across the lease term.
Employee engagement and education
SalSac conducts interactive and tailor-made webinars to educate staff about the scheme, ensuring full understanding and participation.
Good customer support
With real human interaction through online chat, email, and phone support, SalSac provides responsive and personalised customer assistance.
Where SalSac Salary Sacrifice falls short
Early termination fees
The early termination clause only covers 50% of the penalty amount, which does not fully assist with the financial impact of ending the lease early. The full coverage option (funder early termination) also comes at an extra cost.
What electric cars does SalSac Salary Sacrifice offer?
The following range is available via SalSac’s website:
- Audi E-Tron Estate: A luxury electric estate version of Audi’s E-Tron series.
- Audi E-Tron GT Saloon: A high-performance Audi salary sacrifice model.
- BMW iX: BMW’s electric SUV on salary sacrifice.
- Fiat 500e: A compact electric version of Fiat’s iconic 500 model.
- Hyundai IONIQ 5: Part of Hyundai’s dedicated EV line.
- Kia Niro: Fully electric SUV option.
- MG 4 Hatchback: An electric hatchback from MG.
- Peugeot E-2008: The electric version of Peugeot’s popular compact SUV.
- Peugeot E-208: An electric hatchback.
- Tesla Model 3: Tesla’s more affordable electric sedan.
- VW E-Up: Volkswagen’s small electric city car.
A full range of UK EVs is accessible via SalSacs broker partners.
How do I apply for SalSac Salary Sacrifice?
If you’re interested in applying for SalSac, here’s how you can do it:
- Refer your company
If your employer doesn’t currently offer the SalSac scheme, you can fill in the form on the SalSac website to have their team reach out to your employer. You can choose to keep your details anonymous by ticking the appropriate box on the form.
- Contact your broker
If your company is already partnered with SalSac, start by contacting your broker to discuss options.
- Choose your car
Once you’ve selected the vehicle you like, you and your employer will need to sign the vehicle order form.
SalSac will liaise with their broker partner to order your chosen vehicle and guide you through the minimal paperwork required.
- Arrange charger installation (if applicable)
If you’ve included the installation of an electric charge point in your order, SalSac’s partner, Mr Charger, will coordinate with you to arrange the installation.
- Salary deductions begin
Your salary deductions will commence the month after you receive the car. The exact dates will depend on your specific payroll dates.
The final word on SalSac Salary Sacrifice
SalSac offers a bespoke electric car salary sacrifice solution, with no hidden fees, a cost-neutral fixed fee service, and a fully comprehensive package that includes vehicle maintenance, insurance, and even optional home electric car charger installation.
The application process is fairly streamlined and assisted by expert support, from initial contact with a broker to the final delivery of the vehicle.
SalSac goes beyond just leasing you the car, it provides free interactive webinars, helping employees to understand the scheme, and an option to purchase the vehicle at the end of the lease. Customer support is prompt and when we tested it, we were impressed by the expertise.
The program does have early termination conditions, that are not fully explained on the website in-depth. Always check directly before you commit to ensure you are happy with any potential early exit fees as SalSac only covers 50% of the penalty fee via their early termination policy.
Help if you’re struggling with debt from car subscriptions or leases
Late payments on car subscriptions or leases can lead to financial difficulties. If you find yourself struggling with debt from car subscriptions or leases, it is essential to seek professional guidance. Several debt advice services can help:
- StepChange: StepChange offers debt management plans tailored to your situation
- Citizens Advice: Offering free and confidential advice on managing debts.
- National Debtline: National Debtline is a helpline specifically designed to assist with personal debt, including car subscription or lease obligations.
- MoneyHelper (formerly The Money Advice Service): Providing tools and support to help you understand your options and make informed decisions.
Remember, the terms of car subscriptions and leases can vary significantly, so it’s really important to read and understand your specific agreements and obligations.
Salsac review methodology
At Electric Car Guide, our review of Salsac was conducted with impartiality and an in-depth understanding of what electric car users value. Here’s how we worked through our evaluation:
- Customer Feedback from Electric Car Guide: We surveyed users on our own website, Electric Car Guide. These insights offered us a firsthand view of real-world experiences and car subscription expectations, allowing us to frame our review around actual user needs and preferences.
- Reviews: We took into account both positive and negative reviews online. This provided a balanced perspective, acknowledging the praises and criticisms Salsac has received from a diverse range of customers.
- Comparison with Competitors: We compared Salsac’s features, offerings, and customer experience against their nearest competitors in the electric car subscription market. This enabled us to gauge Salsac’s standing in the industry, highlighting its strengths and areas for improvement.
Ready to dive even deeper...
John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.