Can you still get car finance with free insurance?
No current young driver PCP or HP deal with free insurance was available when we checked in September 2026.
Peugeot Just Add Fuel and PCP Plus helped make this type of offer well known, but neither is now available to new customers.
You can still find old web pages and search results referring to these products. That does not mean they are still available.
Do not confuse free drive away insurance with insurance included in the finance deal. Some manufacturers still provide a few days of temporary cover so you can collect the car, but you then need to arrange your own annual insurance.
If you want a car using PCP or HP, you need to arrange the finance and insurance separately.
Worth knowing
Some historical finance packages were advertised with “free insurance”. That did not necessarily mean the insurance had no cost, because its value could be built into the overall package price. The important comparison was the total cost of the complete deal.
What happened to Peugeot Just Add Fuel?
Peugeot previously offered Just Add Fuel and PCP Plus, which combined car finance with insurance and other running costs.
Young Car Driver contacted four Peugeot dealers in September 2026. All four confirmed that these products ended in 2024 and are no longer available to new customers.
Old Peugeot pages and search results can still surface details of these packages. Finding one does not mean Just Add Fuel or PCP Plus is currently available.
Why did car finance with insurance disappear?
There was no FCA ban on car finance with insurance. The FCA’s general insurance add-ons market study looked at insurance sold alongside other products, including cars. It found concerns about value, transparency and whether customers had enough information to compare deals properly.
The FCA later tightened rules around how insurance is sold alongside other products.
We found no evidence that these rule changes caused manufacturers to withdraw car finance packages with insurance. These types of packages can still be offered, but they are no longer common in the young driver PCP and HP market.
Are there any car finance with insurance deals now?
We found no current UK PCP or HP deal aimed at young drivers that included insurance.
The closest current alternative is insured car leasing. This combines the use of a car with insurance and other running costs, but it is a different product.
Last checked: September 2026.
Arval Total Care
Arval Total Care combines a leased car with insurance, road tax, servicing, maintenance, repairs, breakdown cover and accident management in one monthly payment.
Drivers currently need to be aged from 21 and have held a full UK or EU licence for at least one year.
Further eligibility restrictions apply, including rules around licence points, fault claims, recent driving bans and previous insurance refusal.
Leasing Options Fuel & Go
Fuel & Go combines a car lease with insurance, maintenance, road tax, breakdown cover and accident management.
Drivers currently need to be from 21 and have held a full UK or EU licence for at least 12 months.
Worth knowing
Insured leasing is not a direct replacement for PCP or HP. The current products we found start at age 21 and have additional eligibility rules around driving history, claims and licence points.
Do you need to arrange car finance and insurance separately?
Yes, if you want PCP or HP. There is no current young driver PCP or HP deal with insurance included, so you need to arrange the finance and insurance separately.
That lets you choose the finance agreement and shop around independently for the insurance.
For a young driver, that matters. Comparing insurers gives you a better chance of finding a lower insurance price, because you can compare quotes from different insurers for the same car.
It also lets you see clearly:
- what the finance costs
- what the insurance costs
- which insurer you are using
- what cover and excess you are getting
- whether a black box policy gives you a lower quote
- what the car will cost you each month overall
The number to focus on is the total cost of having the car, not just the monthly finance payment.
How to arrange your finance and insurance separately?
For young drivers looking at PCP or HP, this is the route you need to take.
Looking for car finance?
See how car finance for young drivers works, the different agreement types and what lenders look at when deciding whether to offer finance.
Explore young driver car finance →
Need car insurance?
See how young driver car insurance works, what affects the price and the different types of cover available before comparing quotes.
Explore young driver car insurance →
What if you find a car deal with insurance included?
You may still come across insured leasing or, if these offers return, a promotional finance deal with insurance included. If you do, check exactly what you are being offered before comparing it with arranging the car and insurance separately.
Is it finance or leasing?
PCP and HP are finance agreements. Personal Contract Hire is leasing.
How long is the insurance included?
Do not assume the insurance lasts for the full vehicle agreement.
Can you choose the insurer?
A bundled package restricts your opportunity to compare insurers, prices and cover.
Does it use a black box?
Check whether telematics applies and whether there are mileage, driving time or other restrictions.
Who else can drive the car?
Check additional driver rules and any minimum age restrictions.
What excess applies?
Check the compulsory and voluntary excess and whether extra excesses apply to younger drivers.
What does the agreement actually cost?
Check the deposit or initial rental, monthly payments, total cost over the agreement and any final payment.
What else is included?
Servicing, maintenance and roadside assistance have a value, but do not assume they make the overall package cheaper.
Compare the complete package cost with arranging the car and insurance separately before deciding.
How old do you need to be to get car finance with insurance?
There is no current young driver PCP or HP package with insurance included, so there is no current age limit to quote for this type of deal.
When Young Car Driver checked in September 2026, we found no current UK PCP or HP deal with insurance included aimed at young drivers.
This also applies to first-time drivers. If you want PCP or HP, you need to arrange the finance and insurance separately, whatever your age.
Would car finance with insurance be good value for young drivers?
There is currently no young driver PCP or HP package with insurance included for us to compare on price.
If this type of deal returns, compare the complete package with the cost of arranging the finance and insurance separately for the same car.
A bundled package can make the monthly cost simpler to understand but it also reduces your ability to shop around for insurance.
Insurance being included would not make the deal good value on its own. The total cost is what matters.