7 Best Salary Sacrifice Car Scheme Providers Compared

What started as a simple way to help employees go electric has turned into a mix of leasing companies, brokers, and energy providers all offering their own version of the same idea.

But that doesn’t mean you can swap one EV salary sacrifice car scheme provider out for another and get the same service. What’s included, who carries the risk, and how easy the scheme is to run can differ a lot between them.

Some prioritise scale, others convenience or energy integration, but the best schemes are the ones that make electric driving genuinely accessible, transparent, and low-risk for everyone involved.

In this guide, we compare the UK’s leading EV salary sacrifice providers — what they include, where they differ, and which ones truly deliver on sustainability, simplicity, and employee impact. All so that you can move forward with confidence in your choice. 

7 best EV salary sacrifice schemes at a glance

Not sure which EV salary sacrifice provider is right for your business? This comparison table breaks down how the top schemes differ, from vehicle range and pricing to the level of protection each one offers employers.

Below it, you’ll find deep dives into each scheme, what they offer, and what makes them different.

‍

1. loveelectric — Best salary sacrifice car scheme for EV affordability

As an EV salary sacrifice scheme, loveelectric was built to challenge a broken system - a system where leasing companies hide margins, employers fear adding admin, and “green benefits” tick a box but don’t make an impact. 

Unlike many salary sacrifice schemes, loveelectric is a broker not a leasing company. That means we source cars from a network of trusted funders and pass on our savings directly to your employees.

Because of this, more of your team can make the switch to an EV and save 30–60% on the cost of a new or Reloved® used car. Our goal is simple: to make electric driving a benefit that’s fair, accessible, and rewarding for everyone, not just top earners.

And the impact goes further than pay packets. When more of your employees can drive electric, you’ll see stronger retention, higher engagement, and measurable cuts in CO₂ emissions across your business. All without risk, HR admin, or cost to the employer. 

What’s included in loveelectric’s EV salary sacrifice scheme

With loveelectric, your employees get more than a car delivered to their door. Each monthly payment covers:

• The electric car lease (new or Reloved® used)
• Fully comprehensive insurance
• Servicing and routine maintenance
• Tyre replacements
• Breakdown cover and roadside assistance
• Road tax and MOT
• Delivery and collection of the vehicle at the start and end of the lease

And like all EV salary sacrifice schemes, that monthly cost comes out of their payslip and is applied to their gross salary. So they get the EV of their dreams, at a price they can afford, all while reducing their tax burden. 

There’s no deposit, no personal credit check, and no hidden fees. Learn more by checking out our resource: How does salary sacrifice work?

Drivers can also get: 

• Discounted home charger installation for drivers with off-street parking (through our partnership with Hypervolt)
• The Charge Card, giving drivers access to thousands of public charging points, and the ability to save up to 62% on home or public charging costs

Employers get:

• A cost-neutral benefit — our service fee is covered by National Insurance savings
• No financial risk, thanks to loveelectric’s Zero Risk Guarantee
• Automated compliance and payroll reporting
• Setup in under a week — with a dedicated onboarding specialist
• Optional carbon reporting tools to track sustainability impact

How loveelectric eradicates employer risk

When we tell employers about loveelectric’s salary sacrifice scheme, they often look at us like, “What’s the catch?” or “This seems too good to be true.”

And we get it. Salary sacrifice has a reputation for being complex or risky, especially when it comes to what happens if an employee leaves mid-lease. 

But rest assured, every loveelectric scheme comes with Early Termination Protection (ETP) as standard. It’s our built-in safety net that covers your business if an employee resigns, is made redundant, goes on long-term sick leave, or the unthinkable happens and they die.

For businesses that want total certainty, there’s our Zero Risk Guarantee (ZRG) — an optional add-on that takes protection even further. It provides Day 1 coverage, removing all financial exposure from the moment each lease begins. 

Best of all, both ETP and ZRG are cost-neutral for employers. The small fee for the Zero Risk Guarantee is added to the employee’s monthly lease, so you get total peace of mind without spending a penny more.

What makes loveelectric different

Here’s what makes loveelectric stand out as the best EV salary sacrifice provider in the UK:

• We’re a certified B Corp: We meet verified standards for social and environmental performance, transparency, and accountability proving that business can be a force for good.
  
  
• We offer a wide range of EVs: Employees can choose from hundreds of new and Reloved® used models, from the Tesla Model 3 and Polestar 2 to the MG4, Kia Niro EV, and VW ID.3, so there’s something for every budget and driving preference. Explore our full range here.
  
  
• Our pricing is transparent: As a broker, not a leasing company, we show exactly how every quote is built. No hidden margins, no inflated lease prices.
  
  
• Our service fee is equivalent to the Employer’s NIC savings: You’ll never pay more than the amount your business already saves (around 15% of the monthly salary deduction) keeping the scheme completely cost-neutral for your company.
  
  
• Our scheme is inclusive: Employees earning £27,000 or more can join, making the scheme accessible to a wider range of people, empowering them all to go electric.
  
  
• We help get your employees on board: Our team provides ready-to-use launch materials, engagement campaigns, and ongoing support to help you promote the benefit internally and drive high uptake from day one.
  
  
• We make sustainability measurable: Optional carbon reporting tools make it easy to track your organisation’s Scope 3 emissions reductions.
  ‍

Check your eligibility or get in touch with us to explore how loveelectric's salary sacrifice scheme could save your employees up to 60% on a new or Reloved® EV – all at zero cost or risk to your business.

‍

2. Octopus EV — Best for bundled EV + energy

Octopus Electric Vehicles runs a salary sacrifice scheme that brings together the car, charger, and energy supply under the wider Octopus Energy Group.

It’s a simple, all-in-one offer where employees can lease an EV and bundle home charging or public charging credit through Octopus Electroverse.

The scheme includes both new and “nearly new” electric cars and offers perks like a free home charger with standard installation.

However, because Octopus EV owns and funds its cars directly, pricing can be less flexible and less competitive than broker-based providers such as Loveelectric, which source cars from multiple funders to secure the best value.

Its termination protection also only begins after three months, meaning employers take on more early risk.

For businesses that want a fully integrated EV + energy solution, Octopus EV offers convenience.

But for those focused on competitive pricing, broader car choice, and charger integration without an energy tie-in, loveelectric provides the same seamless car-and-charger experience, at better value and with less complexity.

What’s included in Octopus EV’s salary sacrifice scheme

Each Octopus EV salary sacrifice lease includes:

• The electric car lease (new or nearly new)
• Fully comprehensive insurance
• Servicing, maintenance, tyres, and breakdown cover
• Road tax
• Delivery and collection of the vehicle

Drivers can also access additional energy-related perks through the wider Octopus Energy Group, such as:

• A free home charger with standard installation (or public charging credit via Octopus Electroverse)
• Access to EV-specific energy tariffs like Intelligent Octopus Go for cheaper off-peak charging
• Public charging integration through Electroverse, which can be linked directly to the driver’s energy account

For employers, the scheme is promoted as cost-neutral, with setup, payroll integration, and ongoing management handled by Octopus EV.

What makes Octopus EV different

Unlike brokers that source vehicles from multiple funders, Octopus EV sets its own lease prices and manages its own vehicle supply. That gives it greater control over the customer experience but can limit flexibility, vehicle options and price variation.

The company also focuses heavily on the energy side of EV ownership. Drivers who join the Intelligent Octopus Go tariff can charge their cars at off-peak rates, and many receive either a free home charger or public charging credit. 

However, these benefits are tied to using Octopus’s own energy products, which won’t suit every employee or employer setup.

3. Electric Car Scheme — Best for flexible funder access

The Electric Car Scheme (ECS) is one of the UK’s best-known salary sacrifice providers, with a model that focuses on flexibility and broad funder access. 

This approach gives drivers access to more makes and models but can also mean prices vary slightly depending on the funder and lease term.

Like loveelectric, ECS offers both new and used electric vehicles, helping to make EV salary sacrifice available to a wider range of employees. While ECS aims to offer cost-neutral schemes with full maintenance, insurance, servicing and fleet support included, pricing details vary by employer contract and funder used.

What’s included in Electric Car Scheme’s salary sacrifice

The Electric Car Scheme includes the main running costs of an electric vehicle within a single monthly payment, similar to loveelectric and other major providers. Each lease typically covers:

• The electric car lease (new or used)
• Comprehensive insurance
• Servicing, maintenance, tyres, and MOT
• Breakdown cover
• Road tax
• Delivery and collection of the vehicle

Drivers can also access additional benefits through ECS, such as:

• The Charge Scheme, a separate salary sacrifice benefit that helps employees save 20–50% on EV charging costs
• Option to bundle a home charge point installation into salary sacrifice payments
• ‘Complete Employer Protection’ which covers redundancy, resignation, long-term illness, family leave, or vehicle damage

For employers, the scheme is advertised as free to set up and run, with minimal HR and payroll administration.

What makes the Electric Car Scheme different

Where ECS stands out is in how it extends salary sacrifice to workplace charging. Through The Charge Scheme, businesses can include workplace charging in payroll deductions, helping employees save on their commute while supporting wider sustainability goals.

And like loveelectric, ECS is also a certified B Corp. Unlike loveelectric, it’s not transparent about its markup or service fee.

4. Tusker — Best for employers prioritising simplicity over flexibility

Tusker is one of the UK’s longest-running salary sacrifice car providers, offering an all-inclusive package.

The scheme includes protection for resignation, redundancy, or long-term illness, though this Lifestyle Protection cover only begins after three months, meaning employers take on more initial risk. 

Because Tusker owns and funds its own vehicles, it has full control over delivery and servicing. However, this model also means less flexibility in pricing and limited access to the broader funding network that broker-based providers like loveelectric use to secure more competitive deals.

Still, for organisations that want an all-in-one solution with minimal admin and a familiar name, Tusker remains a widely used choice.

What’s included in Tusker’s salary sacrifice scheme

Each Tusker salary sacrifice lease includes the main running costs within a single monthly payment. Employees get:

• The electric car lease (brand-new vehicles only)
• Fully comprehensive insurance
• Servicing, maintenance, tyres, and breakdown cover
• MOTs and road tax
• Delivery and collection of the vehicle

Tusker also provides Lifestyle Protection, which covers certain events such as redundancy, long-term illness, or parental leave after three months.

What makes Tusker different

Tusker’s focus is on convenience — a straightforward, all-in-one lease for new cars with predictable monthly costs.

It’s one of the longest-running providers in the market, with established relationships across the public and private sectors. The company owns the vehicles it leases, which gives it full control over servicing, insurance, and maintenance, but also means pricing isn’t as competitive as broker-based providers like loveelectric.

Tusker’s Lifestyle Protection offers cover for redundancy, long-term illness, or parental leave, though it only applies after the first three months of the lease. During that initial period, employers carry more of the financial risk if a driver leaves.

There are no used EV options or energy perks like those offered by providers such as loveelectric or Octopus EV. 

5. Zenith — Best for traditional fleet integration

Zenith’s salary sacrifice offering is designed to integrate with existing corporate fleet operations, which can make it a practical fit for businesses already running large company car programmes.

With Zenith, employees can access electric vehicles under contract terms managed centrally with insurance, maintenance, and vehicle servicing as part of the package. 

Unlike broker models such as loveelectric, Zenith’s strength is in-house management, but this often comes at the expense of choice, agility, and competitive pricing.

What’s included in Zenith’s salary sacrifice scheme

Each Zenith salary sacrifice lease includes the main running costs in one fixed monthly payment. Employees get:

• The electric car lease (brand-new vehicles only)
• Fully comprehensive insurance
• Servicing, maintenance, MOTs, tyres, and breakdown cover
• Road tax
• Delivery and collection of the vehicle

Zenith also provides access to driver support and fleet management tools — a reflection of its background in corporate fleet services. 

Employers can expect a full end-to-end service, including setup, payroll integration, and risk management. 

However, because Zenith operates as a leasing company rather than a broker, vehicle choice and pricing are based on its own funding and stock, meaning costs can be less competitive and delivery times more dependent on its internal supply.

What makes Zenith different

The company has decades of experience managing large corporate fleets, and its salary sacrifice scheme is designed to integrate easily with existing fleet operations. That makes it a strong choice for employers who already lease vehicles or need centralised management.

Zenith is a leasing company, not a broker, which means it sets its own lease prices and controls its own vehicle supply. This gives it stability and control but limits flexibility — employers and drivers can only access vehicles within Zenith’s own funding pool.

There are no used EV options or energy partnerships like those offered by loveelectric,  Octopus EV, or the Electric Car Scheme. Zenith’s focus is on providing a consistent, fully managed service rather than maximising choice or price competitiveness.

6. Fleet Alliance — Best for broad leasing choice, including EVs

Fleet Alliance is a long-established UK leasing broker that offers salary sacrifice as part of its wider fleet and leasing services. 

Unlike loveelectric, Fleet Alliance isn’t an EV-only provider. It offers electric, hybrid, petrol, and diesel vehicles , but its salary sacrifice scheme includes a strong selection of brand-new EVs from across the market.

Fleet Alliance also promotes its carbon offsetting programme, pledging to offset the emissions of every vehicle it supplies, including those leased through salary sacrifice.

Fleet Alliance suits employers who want a flexible, multi-brand leasing option with strong service infrastructure.

What’s included in Fleet Alliance’s salary sacrifice scheme

Each Fleet Alliance salary sacrifice lease includes the key running costs within a single monthly payment. Employees get:

• The electric car lease (brand-new vehicles only)
• Fully comprehensive insurance
• Servicing, maintenance, MOTs, tyres, and breakdown cover
• Road tax
• Delivery and collection of the vehicle

Fleet Alliance also offers driver support and access to its existing fleet management tools, reflecting its background as a full-service leasing provider. Employers can expect assistance with setup, payroll, and ongoing administration, making the scheme relatively low-effort to run.

While standard protections like early termination insurance are included, Fleet Alliance doesn’t have a formal “zero-risk” or “complete employer protection” product like loveelectric or ECS.

It also doesn’t currently offer used EVs or bundled energy benefits.

What makes Fleet Alliance different

Fleet Alliance has a strong corporate fleet background, giving it the infrastructure and experience to support larger employers. Its salary sacrifice scheme includes all the key running costs and access to driver support, making it simple to manage.

However, Fleet Alliance isn’t an EV-only provider and doesn’t currently offer used EV options or bundled charging benefits. Its pricing and lead times can also vary between funders, and it doesn’t publish a transparent service fee like loveelectric. The result is a flexible but less sustainability-focused scheme best suited to employers seeking broad leasing choice over all-electric alignment.

7. Drive Electric — Best for direct EV leasing (new to salary sacrifice)

DriveElectric is one of the UK’s longest-running electric vehicle leasing companies, having specialised exclusively in EVs since 2008. However, it only launched its salary sacrifice offering in late 2023, making it a new entrant to this specific market.

The scheme operates on a direct leasing model, meaning DriveElectric owns the vehicles it supplies. This gives it control over servicing, maintenance, and delivery but makes pricing less flexible than broker-based providers like loveelectric.

All cars offered are brand-new EVs, with no used or nearly-new options available.

DriveElectric’s long-standing EV expertise makes it appealing to employers who value in-house knowledge and hands-on support. But for organisations looking for broader choice, faster delivery, or more competitive pricing, a broker-based provider like loveelectric offers greater flexibility and experience in the salary sacrifice market.

What’s included in Drive Electric’s salary sacrifice scheme

Each DriveElectric salary sacrifice lease includes the key running costs in one monthly payment. Employees get:

• The electric car lease (brand-new vehicles only)
• Fully comprehensive insurance
• Servicing, maintenance, tyres, MOTs, and breakdown cover
• Road tax
• Delivery and collection of the vehicle

For employers, DriveElectric manages all aspects of the lease directly, including vehicle sourcing, servicing, and driver support. 

Their packages may include a home energy tariff bundled with the lease, but this is not (to our knowledge) guaranteed in every scheme. 

What makes Drive Electric’s different

It’s one of the UK’s longest-running electric vehicle leasing companies, with deep experience in EV supply, driver education, and fleet transition. This single focus gives it credibility and expertise that generalist leasing providers can’t match.

Unlike broker-based providers such as loveelectric or The Electric Car Scheme, DriveElectric doesn’t currently offer used EVs or publish its markup or service fees, making direct price comparison more difficult. 

Key considerations as you evaluate the best salary sacrifice car scheme providers

There’s a lot to digest when comparing salary sacrifice schemes, and plenty of marketing claims to wade through. So, as you speak with providers, here are a few areas to look at closely:

• Early Termination Protection (ETP): This is your safety net — and it’s worth understanding exactly how it works. Ask who underwrites the policy and whether the provider could realistically pay out if multiple claims hit at once.
• Pricing transparency: Most providers quote 30–60% savings, but savings on what? If the base lease price is higher, those percentage savings can mislead. Run like-for-like quotes across different salaries, postcodes, and insurance options to see the real difference
• Ease of use: Salary sacrifice should be cost-neutral — not admin-heavy. Some schemes still require HR and payroll teams to manage significant manual steps. Check how intuitive each provider’s portal is, and how much of the setup and compliance they actually handle.
• Ethical business practices: More employees are looking for workplaces that reflect their values. The benefits you offer say a lot about your culture. Look for transparent pricing, credible sustainability commitments (like B Corp certification), and providers that treat the scheme as a long-term partnership, not a quick win.

How to choose from the best salary sacrifice car scheme providers

Which salary sacrifice EV scheme you choose from this list really depends on: 

• How accessible you want the scheme to be across your employee base
• How much risk you’re willing to carry if an employee leaves mid-lease
• How dedicated you are to sustainability and carbon reduction
• How transparent you want pricing and provider margins to be
• How many EV extras you want included (like home charger installation, charge cards, or bundled energy tariffs)
• How hands-off you want to be with logistics, setup, and ongoing management
• How much support you want with getting employees to avail the benefit (like helping them determine if salary sacrifice is even worth it)

If your goal is to combine affordability, sustainability, and simplicity, without locking into rigid contracts or hidden costs, loveelectric is the best salary sacrifice car scheme provider for you.

It’s built for accessibility, offering both new and Reloved® used EVs, so more employees can take part. Employers get zero-risk protection and full compliance support while employees get high quality cars at a price they can afford.

loveelectric gives you all the advantages of salary sacrifice, lower costs, lower emissions, and higher employee engagement, in a way that’s simple to run and genuinely inclusive.

Ready to see how loveelectric could work for your team?

Check your eligibility or get in touch with us to explore how a salary sacrifice scheme could save your employees up to 60% on a new or Reloved® EV – all at zero cost or risk to your business.