In this section you can find out which finance products we have available at SEAT Finance, as well as information for existing customers such as how to manage your agreement with SEAT me finance and what to do when your agreement is coming to an end.

SEAT Finance Explained

Different customers' requirements vary. To meet an individual's requirements SEAT Finance offer a range of consumer finance plans that cover a broad spectrum of products meeting a SEAT driver's motoring needs. For details of the products SEAT Finance can offer, please click on the Finance product links below or contact us.

SEAT Finance Solutions

Solutions (Personal Contract Plan) offers you the flexibility to drive the SEAT that you really want. You can choose a period between 1 ½ - 3 ½ years. It also allows you to delay paying some of your vehicle's value. The agreement allows you to choose from one of the following options at the end of the agreement:

Solutions (personal contract plan):
  • Part-exchange your SEAT for a new one
  • Make all the payments and keep your SEAT
  • Return your SEAT
Benefits of Solutions:
  • Option of driving a higher specification car for the same monthly motoring budget that you were planning to spend, when compared with hire purchase
  • Drive a new car more often thanks to shorter replacement cycles
  • Maintain your lifestyle by driving the latest SEAT
  • Afford a new car or a higher specification model
  • Include additional optional products such as fixed-cost maintenance in your motoring budget
  • Known cash flow - fixed interest rate and payments
  • Reduced term of funding and ability to defer your decision to purchase until the end of your agreement
  • Easy entry - as little as the equivalent of one monthly payment required as a deposit
  • Available for new and used SEATs
Hire Purchase

Hire purchase is the simple and straightforward way to pay for your SEAT. You make an initial payment and then you can pay for your car over one year to five years.

Once all of the payments have been made (including the option to purchase fee), you then become the owner of your SEAT.

Benefits of hire purchase:
  • Minimal cash outlay - low deposits available
  • Fixed interest rate for the duration of your agreement
  • Fixed repayments for ease of cash flow and budgeting
  • Flexible terms - any monthly interval between one and five years
  • Available for new and used SEAT.
Contract Hire

At SEAT Fleet we’ve noticed a lot of fleet manufacturers have become a little too complacent. For you, that means compromising on things like terms, service and range.

We're not satisfied with the status quo and we don't think you should be either. Our fleet service sets us apart - providing you a dedicated team to meet your needs, an extensive model range, extra specification as standard, and an Ecomotive range encompassing some of the most efficient cars on the road.

Benefits of Contract Hire:
  • Models featuring the very latest Ecomotive technology, which deliver excellent MPG.
  • Efficiency technology which produces lower emissions - meaning you potentially pay less tax.
  • Competitive residual values.
  • 'Long Life' servicing - where service intervals are determined by individual driving styles to bring down whole life costs.
  • 'A Big Leap Forward' - SEAT was honoured with three nominations in this year’s prestigious Fleet News Awards for the Ibiza, the Leon SC, and Leon ST. All were considered among the best in their class but it was the Leon that took home the top prize of Best Medium Sized Car.

If you run a small business and want to drive a SEAT without worrying about its future value or the hassle of eventually selling it, a SEAT Contract Hire agreement could be an excellent option.

SEAT Contract Hire aims to provide small businesses with convenient contract hire based on competitive rentals, access to the latest product information and high quality customer service.

  • We’ll agree on a plan of fixed monthly rentals lasting from twelve months up to four years.
  • At the end of the contract you simply hand the car back, subject to mileage and vehicle condition, and start a new agreement on a brand new SEAT.

You can budget ahead by adding servicing, maintenance and tyre costs to your agreement. It may even be possible for your business to recover the VAT on these elements, but we recommend you seek independent tax advice.

SEAT Insurance

At SEAT we believe a great driving experience should be matched by an equally great ownership experience. That is why we put as much thought, time and effort into designing our finance options as we do our vehicles.

Free Ensurance


Ensurance is SEAT’s accident and repair cover, which works alongside your main motor insurance policy to help you if your SEAT is damaged in an accident or stolen.

How Free Ensurance works

We understand that being involved in an accident and having to deal with lots of companies can be really stressful and time consuming. That’s why we’ve designed Ensurance to take care of everything for you. A dedicated claims manager will be available for you to contact 24 hours a day, they will look after the entire claim from start to finish – liaising with your motor insurer, any third parties and our SEAT Insurance approved repairers.

They will also arrange for your vehicle to be recovered and taken to a SEAT Insurance approved repairer to be repaired by SEAT trained technicians who will only use SEAT parts and paints. And where possible, we make sure that you are provided you with a courtesy car to keep you on the road.

And the best bit…… Ensurance is now free to all SEAT customers for three years.

Motor Insurance

Trying to think of every detail when you're renewing car insurance can be tricky. You won't really know if you've ticked all the boxes until something happens.

Trust SEAT to get it right. Our protection, benefits and service are every bit as good as our reputation. Detail is what we do best.

For more information on what's covered download a copy of our Policy Booklet.

Standard Features
  • Genuine SEAT parts and repairs guaranteed for three years
  • Guaranteed courtesy car
  • Recovery of your car after theft, vandalism or in the event of an accident
  • Driving other cars
  • Windscreen cover
  • Foreign travel
  • Personal accident
  • Luggage trailers
  • Legal expenses
  • Paper documents

If you are not ready to switch your insurance to us at the moment, then take advantage of our free Ensurance cover.

GAP Insurance

SEAT Insurance products are designed to ease the pain, ensuring that if the unforeseen happens you and your SEAT have the best protection available.

Our gap insurance (also known as guaranteed asset protection) helps to bridge the payment gap between the settlement amount from your motor insurer and the original purchase price of your car or the outstanding finance.

So if your car is written off, or stolen and not recovered, the additional worry of finding the money to purchase a replacement SEAT could be taken away.

We think you deserve another new SEAT if yours is no longer with us. So SEAT Insurance provides you with a range of cover to choose from:

1. Return to invoice price

Pays the difference between the original purchase price of your SEAT and the total loss settlement paid to you by your motor insurer.

2. Outstanding finance

Pays the difference between any outstanding finance (excluding any arrears) on your SEAT and the settlement paid to you by your motor insurer.

3. Return to invoice price and outstanding finance

Combines the advantages of return to invoice price and outstanding finance. Paying the difference between the total loss settlement paid by the motor insurer and the original purchase price or the amount required to settle the finance agreement, whichever is greater.

4. Lease charges

For vehicles financed on a contract hire agreement, lease charges pays the difference between the motor insurance payout and the amount required to settle the agreement.

The original purchase price includes all factory fitted accessories and any discount given but excludes SEAT dealer fitted extras or accessories, road fund licence, new vehicle registration fee, fuel, paintwork and/or upholstery protection kits, insurance premiums, warranty premiums and any such associated costs and any negative equity.

How does gap insurance work?

If, for example, you purchased a vehicle costing £15,000 and it is written off after 15 months, your motor insurer may only pay out the current market value which might be £11,000. To replace your SEAT with another model worth £15,000 you will need to find £4,000. However, with our return to invoice price cover we could pay you the missing £4,000.

With our outstanding finance product the gap insurance payment would only be sufficient to cover any charges (up to a maximum of £10,000) that would need to be paid in order to fully settle your finance agreement.


Arranging SEAT I gap insurance is really easy. Contact us at Sinclair and we can help you work out which level of cover is right for you. They can then set up your policy there and then.

  • Genuine SEAT parts and repairs guaranteed for three years
  • Guaranteed courtesy car
  • Recovery of your car after theft, vandalism or in the event of an accident
  • Driving other cars
  • Windscreen cover
  • Foreign travel
  • Personal accident
  • Luggage trailers
  • Legal expenses
  • Paper documents

If you are not ready to switch your insurance to us at the moment, then take advantage of our free Ensurance cover.

Terms and conditions apply.
SEAT Insurance is a trading name of Volkswagen Insurance Service (Great Britain) Limited, an appointed representative of Volkswagen Financial Services (UK) Limited registered in England number: 2835230 (registered office: Brunswick Court, Yeomans Drive, Blakelands, Milton Keynes MK14 5LR). SEAT Insurance motor insurance is sold, underwritten and administered by Allianz Insurance plc., registered in England number: 84638 (registered office: 57 Ladymead, Guildford, Surrey GU1 1DB). Volkswagen Financial Services (UK) Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No 311988. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849. Volkswagen Financial Services (UK) Limited and Allianz Insurance plc are not part of the same corporate group.

Contact a Finance Specialist
Sinclair SEAT Swansea
01792 621668
Sinclair SEAT Service
01792 620411
Sinclair SEAT New Cars
01792 621668

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