The independent car subscription guide
Drive smarter. Pay monthly.
Car subscriptions bundle the car, insurance and maintenance into one monthly fee. We explain how they compare with leasing and buying, and help you work out the real cost.
01 / Compare
Sub vs lease vs buy
General differences between the three ways to get a car. Exact terms vary by provider and country.
| Feature | Subscription | Lease | Buy (finance) |
|---|---|---|---|
| Typical commitment | 1–12 months | 24–48 months | Until paid off |
| Insurance included | Often | Rarely | No |
| Maintenance included | Usually | Sometimes | No |
| Upfront cost | Low | Medium | Higher |
| Monthly price | Higher | Lower | Varies |
| Ownership at end | No | No (option) | Yes |
| Swap vehicles | Often possible | No | Sell & buy |
02 / Calculator
What will it really cost?
Enter a provider's quote to see the all-in total for your term, including extras that aren't in the headline price.
Estimated all-in monthly
$0
- Total for term
- $0
- Subscription fees
- $0
- Start / delivery
- $0
- Excess mileage
- $0
- Separate insurance
- $0
03 / Before you sign
The 4-point checklist
What's included
Insurance, maintenance, tyres, roadside help, registration.
Mileage terms
Included miles and the cost per mile over the limit.
Hidden fees
Start-up, delivery, swap, damage and early-return charges.
Total cost
Compare the all-in total, not just the monthly headline.
04 / FAQ
Quick answers
What is a car subscription?+
A car subscription is a monthly plan that gives you access to a vehicle, often with insurance, maintenance and roadside assistance bundled into one fee, usually with shorter commitments than a lease.
Is a car subscription cheaper than leasing?+
Not always. Subscriptions often cost more per month but include extras and offer flexibility. Compare the all-in cost for your term and mileage.
Can I cancel a car subscription anytime?+
It depends on the provider. Some allow month-to-month cancellation, while others have minimum terms or early-return fees.