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Expect, the unexpected.

SOGO now offer fully comprehensive insurance*

By The SOGO Team

SOGO are pleased to be able to offer fully comprehensive insurance, subject to approval*, by way of our Fleet Motor Insurance Policy.  This is available on vehicles through our Flexible Lease program to individuals, and businesses, across the majority of the vehicles we have available, and can even be flexed based on your monthly mileage needs.

It’s competitively priced to offer you a hassle-free Flexible Lease experience, and can even move with you should you decide to swap cars with us too.  This means that once you’ve been approved you can have your Lease and Insurance costs through one convenient invoice.

Example Pricing can be found below:


      Band 1000 Miles 1500 Miles 2000 Miles
BMW 1 SERIES HATCHBACK 118i [136] M Sport 5dr Step Auto A £65 £75 £85
AUDI A4 DIESEL AVANT 35 TDI Black Edition 5dr S Tronic B £80 £90 £105
AUDI Q5 ESTATE 55 TFSI e Quattro Competition 5dr S Tronic [C S] C £105 £115 £130
JAGUAR I-PACE ESTATE 294kW EV400 HSE 90kWh 5dr Auto [11kW Charger] D £160 £170 £185


Please note that we do not sell Motor Insurance policies, SOGO Mobility Limited are the policyholder and we simply add you as a named driver for the vehicle you are leasing only, therefore the policy will not be in your name but in the name of SOGO Mobility Limited.

For more information, please speak to a SOGO Team Member, or drop us an email:


Telephone: 01908 101 100

*Please note that all Drivers will need to be qualified before Insurance Cover can be offered, and before any payments are taken.


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A full set of FAQs and Terms and Conditions will be provided upon successful addition to the Fleet Policy, however, if you have any questions then please do speak to a member of the SOGO Team.

FAQs – Driver Qualifications

All drivers need to complete a qualification form, whereby a background check will be carried out in conjunction with the DVLA.  This will includes checks on claims information and your licence history.

All drivers must:

  • Be aged over 23
  • Hold a valid, full UK licence for at least 3 years
  • Have not incurred more than 6 conviction points on their licence
  • Have had no more than 1 fault claim in the last 3 years
  • Have had no more than 2 non-fault claims in the last 3 years
  • Have not incurred a criminal conviction which is not yet considered spent under the Rehabilitation of Offenders Act 1974.

FAQs – Policy

What cover is provided?

Comprehensive cover is provided, meaning you are covered for loss or damage to the vehicle and any audio, navigation or telematics device permanently fitted by ourselves, subject to the policy excess, in the event of an accident.

The policy does not provide cover for general wear and tear, damage to tyres unless following a collision and mechanical, electrical failure/breakage or breakdowns.

What is the excess?

£500. This is the maximum charge in the event of a claim where damage is incurred to your vehicle and losses can not be recovered from a third party.

If the claim is not your fault, we will attempt recovery of the excess from the at-fault party.

Is windscreen cover included?

Yes, any claim is subject to the £500 excess and a maximum of two claims per vehicle. 

Am I covered if the vehicle is stolen?

Yes, as long as the keys are not in or on the vehicle and all doors, boot, windows and sunroof have been closed.

Theft by deception is not covered.

Are my belongings covered whilst in the vehicle?

No, the cover should be arranged for any personal belongings under your home or contents policy.

Is breakdown cover provided?

Breakdown cover is already included in all SOGO Flexible Lease Agreements.

What can I use the vehicle for?

The vehicle can be used for social, domestic, pleasure, commuting and your own business purposes as long as your business is not an excluded trade.

Please speak to a SOGO Team member to confirm whether your trade is excluded.

What can I not use the vehicle for?

The vehicle can not be used for:

  • Courier/parcel/food/fast-food/takeaway delivery purposes (carriage of goods for hire or reward) for further details please review to the full Terms and Conditions and the Supplementary Insurance Questionnaire.
  • Self-drive hire and/or credit hire purposes i.e., any vehicle you hire out or rent to others
  • Carriage of passengers for hire or reward
  • For any purpose of Hire and reward in connection with the motor trade
  • Where the vehicle is primarily used or based in Northern Ireland
  • Use outside of the UK (unless agreed by SOGO)
  • For any business purpose other than for the proposer's business excluding those trades identified in our Terms and Conditions
  • Use whilst drawing a greater number of trailers than is permitted by law
  • Use by any Embassies, High Commissions, or any member of a Royal Family
  • Racing and off-road events, the full wording is shown within our Terms and Conditions
  • Carriage of hazardous substances as defined within our Terms and Conditions
  • Use in hazardous locations as defined within our Terms and Conditions
  • To secure the release of any motor vehicle which has been seized by or on behalf of any government or public authority
  • The Carriage of High Exposure US/Canadian passengers

Where can I use the vehicle?

The vehicle can be used anywhere in the UK. If you are planning to use the vehicle outside of the UK, you must obtain prior authorisation and an additional charge may be applicable. We ask that you provide a minimum of 14 days’ notice.

Can other people drive my vehicle?

Cover can be extended to include other people but full details of these drivers must be given to ourselves and a check will be carried out. We will advise our decision once the check has been completed but other drivers are not automatically covered by the policy.

There may be an additional charge to add a driver to the Insurance policy. Please speak to a SOGO Team member to confirm.

Can I drive other vehicles?

No, there is no cover provided by this policy to drive other vehicles.

Does my vehicle have to be parked on a driveway?

No, but we do recommend that you keep the vehicle in a secure location and the keys kept in a Faraday pouch to minimise the chance of theft occurring.

Does my no claims bonus change the premium?

No, our policy is a fleet policy and therefore individual factors are not taken into consideration.

Will I generate no claims bonus?

No. Although, we can provide a letter confirming the duration of your hire and details of any claims incurred, or confirmation that you did not incur a claim upon request.

What happens if I change my vehicle?

We will arrange for the cover to change over when your vehicle is collected and delivered. A different premium may be applicable depending upon the class of vehicle.

How can I check that my vehicle is insured? allows you to see whether the vehicle is showing on the motor insurance database.

What documents will I receive?

Once your insurance is setup, you will receive an email containing:

  • Insurance Cover Note - including Incident Claims Number
  • Insurance Frequently Asked Questions (specific to the SOGO Fleet Policy)
  • Specific Terms and Conditions for our Insurance Service Customers (where applicable)


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What is SOGO Flexi?

No upfront payments or long-term contracts. Swap your vehicle when you want for what you want.

Learn how it works