About Us / Terms And Conditions

Optimum, our family run Contract Hire and Leasing Company.

Optimum Contract Hire Limited is a family run independent vehicle sourcing specialist. We specialize in supplying new cars anywhere in the UK via both personal contract hire and business contract hire (also known as leasing).

Our company combines proven knowledge and skills of staff who are experts within the UK new car marketplace. Our determination to find the optimum deal for you our customer is unrivaled. From enquiry point to delivery and indeed during the term of your contract our sole focus will be your satisfaction and continued custom.

We are unique within our field as our sole intention is to provide you the customer with the most cost effective deal possible without ever compromising on a level of customer care that will exceed all of your expectations. Many of our current clients will endorse this on our testimonial page of which we are extremely proud of. We hope our customer endorsements go some way to show you how highly we aim with regards to providing you with a level of professionalism, dedication and overall customer satisfaction unrivalled within our industry.

Our promise to you is very simple, whether you are a business user looking to optimize your company fleet or a private user who normally uses the main dealer, we will listen to your needs and requirements and provide you with the best possible car available at the budget you set out to spend.

You benefit from our purchasing power and that of the national leasing companies, which allows us to offer you extremely competitive contract hire and lease rates and ensures your money will go further than you may have expected. Our monthly payments genuinely are the best in the UK. We look forward to hearing from you very soon.

Optimum Contract Hire Terms and Conditions

Who are we?

Optimum Contract Hire Ltd is authorised and regulated by the Financial Conduct Authority. Our Firms Reference number is 723351. We are permitted by the FCA to conduct regulated activities of Credit Broking –Broking for consumer hire of a vehicle.

You can check this in the Financial Conduct Authority’s Register by visiting the FCA website www.fsa.gov.uk/register or by contacting the FCA on 0800 111 6768

Registered No: 07215820

FRN: 723351

VAT No: 995 9903 39

Data Protection Reg: Z2160536

BVRLA Membership: 7182

Optimum Contract Hire Ltd

8 Farm Meadow Road




01695 624970



Optimum Contract Hire Ltd

We provide motor vehicle finance brokerage and vehicle sourcing services to customers and can offer  you products from a range of financiers, who may be able to help you contract hire your new vehicle.

What Services will be provided?

Whilst exploring your options and advising you, we will only make a recommendation; that is suitable for your needs and circumstances at the time the recommendation is made, based on the information you provide to us.

We will seek information about your personal circumstances and relevant objectives in order to identify your requirements. It is important that all the information you provide is accurate.

Confidentiality and Data Protection

Throughout the process of obtaining finance for your vehicle agreement we will need to collect personal information from you and pass this information onto one or more third party lenders to enable them to make a credit decision. We will not disclose your personal details outside of this group of lenders and will always seek your authorisation prior to submitting your data to any lender on our panel. We are able to supply a comprehensive list of lenders by request.

Other Finance Facilities

It might be possible to obtain finance for your vehicle from other lenders/suppliers and you are well within your rights to seek alternative quotations and product choices by researching on the high street, in the media and also on the internet.


The prices quoted on the website for personal will include vat and the prices quoted for business exclude vat. Should the VAT rate change between the placing of the order and the supply of the vehicle, payments will be adjusted accordingly.  Prices may vary depending upon vehicle colour or stock availability or if you would like the vehicle to be maintained.  Unless stated prices include delivery to your chosen UK mainland destination, road fund license, number plates and vehicle first registration charge.

All prices are correct at the time of publication to our website and are subject to change in line with the supplying financier’s terms. Optimum Contract Hire Ltd reserves the right to change or amend a price, before or after accepting an order, you will be notified immediately of any such change by Optimum Contract Hire Ltd in the interest of a renewed mutual acceptance of the order.


An order of a vehicle from Optimum Contract Hire Ltd is an offer by you to lease a specific vehicle at a specific rental on your specific terms. All orders are subject to acceptance by Optimum Contract Hire Ltd, vehicle availability, prices changes and the payment of the initial rental in accordance with your accepted order. If for any reason the vehicle becomes unavailable, we will contact you immediately to discuss other options and if we find a suitable alternative a new revised order form will be produced.


Optimum Contract Hire charge an administration fee of £175.00 plus vat unless stated otherwise. This fee is non refundable 14 days after order point. If for any reason we cannot supply you with the vehicle we will refund the full amount.

 Cancellation Of  A Order

If you cancel your order, we will charge a cancellation fee .This will be to cover a loss dependent upon the number of hours spent dealing with/processing the order. The cancellation fee will be £360.00 plus vat. You will receive the notice in writing within 48 hours of cancellation. The invoice must be paid via bank transfer or via cheque within 7 days of the date of the invoice

Vehicle Information

Whilst every effort is made to verify the vehicle information and images produced on this website are correct and up to date, please do not use as a guide and a decision to order your vehicle. Please check with the specification from the manufacturer. In accordance with this Optimum Contract Hire Ltd will not accept any liability for any loss or damage arising or in relation to, reliance upon any information supplied through the website.

 Delivery & Registration

Upon completion of finance documents and if any cooling off period occurs, Optimum Contract Hire Ltd, will arrange for delivery of your new vehicle, to your choose of destination within the UK mainland. Please ensure you are fully insured on the vehicle before you accept delivery. We are not authorised to assist you in any way related to the arranging of your motor insurance. You must take full responsibility for arranging your own insurance.

 When lead times are quoted by us at Optimum Contract Hire Ltd, the information supplied will come direct from the manufacturer and as such any delays changes or cancellations made by the manufacturer to the vehicle, is outside of our control and Optimum Contract Hire Ltd will take no responsibilities nor liability for any losses, damage or inconvenience that may occur.

 When orders are placed with dealers there is no guarantee that it will be sourced from a dealer local to you, as we will always try to source the earliest vehicle available. So we cannot guarantee a local registration of your vehicle.

 Even after a delivery date is given and confirmed they are still subject to change in line with manufacturer’s policies and dealership terms. If this was the case you would be informed immediately, but the delay is out of Optimum Contract Hire Ltd hands and such cannot be held responsible for.


Nothing in these conditions shall affect your statutory rights, Optimum Contract Hire Ltd is committed to customer service, and if you are dissatisfied with our service we will endeavour to resolve any issues in a fair and effective manner.

Optimum Contract Hire Ltd Complaints Procedure

It’s Optimum Contract Hire Ltd aim to provide a very high standard of service to every client. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients. This procedure explains how we will deal with any complaints. It also tells you what you can do if you think your complaint has not been resolved to your satisfaction.

If you have a complaint:

If you have a complaint about any aspect of our service then we would like to hear from you. You can contact us by telephone or in writing and your complaint will be resolved by Stephanie Stevenson (Company Director) in the shortest possible time.

To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance contact the sales person with which you have been dealing. To help us resolve your problem you should provide the following information in writing or via email

•your full name, address and contact information
•full details of your complaint
•your agreement details including registration number
•A clear description of your concern or complaint. Include supporting evidence or documentation
•Details of what you would like us to do to put thing right.

We will try to resolve your complaint immediately; however, sometimes this may not be possible. In the unlikely event that we are not able to resolve your complaint within3 working days, our aim is to keep you informed of the progress of our investigations and provide our final response in writing providing our findings and the action to then take within 4 weeks.

If you have a regulated consumer contract with us and are not satisfied with our final response, you may be eligible to refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service was set up by law to give most consumers a free, independent service for resolving disputes with financial firms. You have a period of 6 months to refer your complaint to the Financial Ombudsman Service. The 6 months starts from the date of our final response or 8 weeks after we received your complaint. Whichever is the earlier date.

Their contact details are as follows:

Financial Ombudsman Services
South Quay Plaza
183, Marsh Wall
E14 9SR
Tel: 0300 1239 123
Email: complaint.info@financial-ombudsman.org.uk

BVRLA Conciliation Service

As a Leasing Broker member of the British Rental & Leasing Association (BVRLA) you or Optimum Contract Hire Ltd may refer any unresolved disputes to them.

The BVRLA is approved by Government as a Consumer ADR body under the Alternative Dispute Resolution For Consumer Disputes (Competent Authorities and Information) Regulations 2015.

The BVRLA Conciliation Service will investigate potential breaches of the BVRLA Code of Conduct and will aim to resolve matters using information presented by both parties to the dispute. Any information requested from Nationwide Vehicle Contracts will be sent to the BVRLA within five working days. Based on the information available, the BVRLA will provide both parties with its findings and recommendations.

The BVRLA aims to resolve complaints through their Conciliation Service within 30 days and members must comply with the Conciliation Service’s findings.

You can send any complaint to the BVRLA in writing via:

Details should be submitted by email to: complaint@bvrla.co.uk

If you do not have access to email, details can be sent by post to:

British Vehicle Rental and Leasing Association
River Lodge
Badminton Court

Initial Disclosure Document

Optimum Contract Hire Ltd are required by the Financial Conduct Authority (FCA), who regulate the financial services industry, of which we are a part, to provide you with an Initial Disclosure Document (IDD) to enable you to decide, whether or not the products and services we offer are suitable for your needs. In addition we are required to advise you on how to make a complaint should you need to do so.

Who are we?

Optimum Contract Hire Ltd is a vehicle finance broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FCA) with registered offices at: 8 Farm Meadow Road Orrell Wigan WN5 8TE. Our Financial Conduct Authority Firm Reference Number is 723351 , which can be verified by searching the Financial Services Register at https://register.fca.org.uk or calling the FCA on: 0300 500 8082.

What do we Offer?

We offer a range of vehicle leasing facilities, services and products through a select panel of third party lenders from which we may receive an introductory fee or commission. We will not offer facilities, services or products from lenders outside of this panel.

What Services will we provide you with?

By using our services, you are entering into two separate agreements, a finance agreement, and a leasing broker agreement. We will provide you with either comparable details of firms most appropriate to your lending requirements or general information relating to finance products. In assessing your requirements we may seek information about your personal circumstances and objectives to enable us to identify your needs. It is important that you provide us with accurate and relevant information enabling us to narrow down the selection of firms and/or products offered, from which you can more easily make your choice.

What do we charge for our Services?

A Fee of £175.00 plus vat, which is payable at order stage, as a contribution to the costs incurred in processing the vehicle finance, from application to agreement, negotiating discounts to secure your preferred vehicle at the best possible price, and locating and supplying that vehicle. Payment can be made by either BACS or via Cheque.

In the event of a cancellation, whereby a vehicle has been purchased in accordance with your instructions, We may charge a cancellation fee as set out in our terms and conditions.

Commission disclosure

Financial Conduct Authority

The Financial Conduct Authority expects any intermediary to disclose to the customer that a commission may be payable by the owner or creditor to the intermediary, and, if the customer asks, the amount of that commission. The Financial Conduct Authority has made it clear that “commission” means any financial consideration.

If you would like us to disclose any potential commission we earn:

In-line with new legislation, if you would like Optimum Contract Hire Ltd to disclose any potential commission please make your request to our office address or by email to steph@optimumcontracthire.co.uk or by telephone: 01695 624970

Confidentiality and Data Protection

Throughout the process of obtaining finance for your vehicle agreement we will need to collect personal information from you and pass this information onto one or more third party lenders to enable them to make a credit decision. We will not disclose your personal details outside of this group of lenders and will always seek your authorisation prior to submitting your data to any lender on our panel. We are able to supply a comprehensive list of lenders by request.

Other Finance Facilities

It might be possible to obtain finance for your vehicle from other lenders/suppliers and you are well within your rights to seek alternative quotations and product choices by researching on the high street, in the media and also on the internet. 

Treating Customers Fairly

Optimum Contract Hire Ltd is a family run business and customer service is extremely important to us and we take Treating Customers Fairly very seriously. As we are regulated by the Financial Conduct Authority (FCA) we must pay due regard to the interests of its customers and as a consequence, TCF is an integral part of our culture and is embedded in all areas of our business from systems and controls to training, remuneration and staff behaviour.

The principles of TCF are not new and are part of existing regulatory requirements. They aim to raise standards by introducing a series of changes that will benefit consumers and increase their confidence in the financial services industry.

There are 6 outcomes which have been identified by the FCA as the core features of TCF, these are:

Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.

Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.

Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.

Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.

Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is both of an acceptable standard and as they have been led to expect.

Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.

What does this mean for you?

  • We listen to our customers and continually aim to understand the needs of our customers
  • Any information provided by us is stated clearly and accurately to ensure there is no ambiguity or misleading of our customers.
  • We ensure that the marketing of our products is appropriately targeted, clear not misleading and highlights the risks/conditions as well as the key features/benefits of a product
  • We are transparent about any fees we may charge or receive in our Initial Disclosure Document.
  • Any advice given will be appropriate and take into account the customers individual needs
  • We take our clients privacy seriously and ensure that our staff are aware of and follow rules in relation to data protection to ensure that client details are kept secure and confidential
  • We will remain in contact throughout the whole of your lease to ensure everything is ok and providing answers to any queries you may have.

How does Optimum Contract Hire Ltd continue Treating Customers Fairly?

  • Customer feedback is extremely important to us at Optimum, it helps us identify areas, to ensure we are treating our customers fairly
  •   We audit phone calls and electronic correspondence from our staff to our customers.
  •   Staff training to ensure that we are doing all we can for our customers and remaining compliant.
  • Ongoing review of FCA materials and attendance to workshops and conferences to further our knowledge base to ensure that we provide only our best possible service to customers.

Is there anything you as a customer can do to help us?

There are many things you can do to help us deliver the best possible service to you, including:

  • Ensure any information you provide is as accurate as possible.
  • Read any information you see from us carefully, this includes adverts and correspondence direct to you.
  • Many of our products include a “cooling off” period as part of the process, this period is required by law and you should use it to fully consider whether to proceed.
  • Keep an eye on your financial situation by using one of the many credit report services which are now available.
  • If you are unsure over anything or have any questions, please don’t hesitate to contact us.

What to do if you feel you haven’t been treated fairly.

Whilst we endeavour to provide the best services possible, there may be occasions where things can go wrong and if you have a complaint about any part of your  dealings with us, please get in touch, we take any complaint seriously and will deal with any complaints promptly and make improvements to our operations where required.

Call: 01695 624970

Email: Steph@optimumcontracthire.co.uk

Post: Optimum Contract Hire Ltd 8 Farm Meadow Road Orrell Wigan WN5 8TE


Optimum are a credit broker and not a lender.

VAT Reg 995 9903 39 / Company registration 7215820
Data Protection registration Z2160536
Credit Consumer Licence registered Company
Data Protection and FCA Registered Company

Optimum Contract Hire Ltd is a credit broker not a lender
Optimum Contract Hire is authorised and regulated by the Financial Conduct Authority: FRN: 723351

Optimum Contract Hire is a member of the BVRLA membership No: 7182
Registered address: Optimum Contract Hire Ltd, 8 Farm Meadow Road Orrell Wigan
Company Registered in England and Wales No. 7215820 Data Protection No. Z2160536 VAT Reg No. 995 9903 39