Fixed-scope employer review
Independent employee car benefit programme audit
We review the programme contract, employment addendum, policy, supplier terms, risk allocation, payroll mechanics and employee communications as one connected operating model.
Review an incumbent salary sacrifice provider before renewal
An employer normally has experience of one programme and one set of documents. Providers, leasing companies, insurers and advisers each see only their part of the model. That can leave important assumptions sitting between contracts, policies and operational processes.
Our independent review draws on experience across multiple employee car benefit, salary sacrifice, leasing and insurance models. It tests whether the whole arrangement works for HR, payroll, finance, risk, procurement and employees, including when circumstances do not follow the standard journey.
Employers can also use our independent salary sacrifice provider guides to compare published propositions and identify the evidence that should be tested with an incumbent or potential replacement.
What we review
The document set and operating model are reviewed together, not as isolated files.
Programme and supplier contracts
Master terms, schedules, service responsibilities, pricing, discount support, order process, in-life service, termination and change control.
Employment contract addendum
The pay adjustment, eligibility, employee commitments, vehicle availability and the connection to policy and supplier terms.
Car policy and employee guidance
Consistency across policy, FAQs, illustrations, portal wording and what employees are told before they commit.
Payroll and administration
The flow from election and vehicle delivery to payroll change, absence, pay changes, termination, extension and end of lease.
Insurance and protection
Responsibilities, exclusions, early termination and life-event protection, write-off handling, claims and evidence requirements.
Commercial and vehicle terms
Employer and employee value, vehicle cost, pay foregone, contributions, OEM support, discounts, availability and exceptions.
Data, complaints and service
Data flows, ownership, consent, complaints, escalation, service levels and the evidence required to manage performance.
Governance and management information
Decision rights, risk ownership, forums, controls, reporting, provider reviews and continuous improvement.
Events the documents should handle
Good governance is most visible when the normal employee and vehicle journey changes.
Employment changes
Resignation, redundancy, long-term absence, parental leave, reduced pay, role change and loss of eligibility.
Vehicle disruption
Write-off, theft, prolonged repair, recall, unavailable replacement, delivery delay and vehicle substitution.
Contract timing
Early termination, formal or informal lease extension, delayed collection, excess mileage and end-of-term damage.
Pay and contribution changes
Changes in salary, tax, employee contribution, protection costs, benefit-in-kind and the amount of pay foregone.
Supplier or service failure
Missed service levels, complaints, data errors, delayed payroll instructions and escalation across organisations.
Programme change
Provider change, second supplier, new OEM terms, policy amendments, portfolio migration and closure to new entrants.
What the employer receives
A practical evidence pack for decisions and remediation.
Document and responsibility map
A single view of each document, party, obligation, dependency and owner.
Gap and inconsistency schedule
Specific areas where documents, communications or processes conflict, omit an event or leave responsibility unclear.
Prioritised risk register
Issues ranked by employee, employment, financial, operational, reputational and supplier impact.
Remediation plan
Recommended decisions, document changes, controls, owners and sequencing for the employer and its advisers.
Governance framework
Review forums, management information, escalation, change control and measures for ongoing programme oversight.
Executive findings session
A concise briefing for HR, reward, finance, procurement, fleet, risk and legal stakeholders.
Commercial and operational review, coordinated with formal advisers
Fagan & Company does not provide legal, tax, actuarial or regulated insurance advice. We identify commercial and operational gaps, frame the questions and provide structured input for the employer's appointed specialists.
The review is supplier agnostic and undertaken for the employer. It can include constructive engagement with the incumbent provider and value-chain partners without compromising the employer-side perspective.
A connected review for the teams involved
The programme may sit with HR or reward, but its risks and dependencies reach across the organisation.
HR, reward and benefits
Eligibility, employee value, communications, life events and the experience of joining or leaving the programme.
Payroll and finance
Pay adjustments, employer savings, employee costs, tax treatment, mileage controls and reconciliation.
Legal, risk and insurance
Responsibilities, evidence, vehicle disruption, insurance requirements, escalation and risk allocation.
Fleet and mobility
Company cars, salary sacrifice, grey fleet, vehicle policy, supply, service, age and replacement decisions.
Procurement and suppliers
Commercial terms, service levels, provider performance, OEM support, data and change control.
Sustainability and leadership
Vehicle strategy, emissions evidence, electrification priorities, governance and management information.
Employee car benefits extend beyond the traditional fleet
The review can include traditional company cars, salary sacrifice cars, car allowances, grey-fleet vehicles and employees using their own cars for business travel. “Fleet” is useful shorthand for some operational teams, but the wider issue is how the employer governs its employee car benefit arrangements.
Vehicle and mileage information may support proportionate review triggers, such as an approaching MOT expiry, an available recall status, recurring advisories, an older vehicle or an unusual mileage pattern. Such information is a vehicle-level indicator; it does not identify a driver, prove business mileage, verify insurance or establish legal compliance.
Employee car benefit programme audit FAQs
Common questions from HR, reward, benefits, finance and risk teams.
Test the programme before an exception exposes the gap
Share the programme stage, provider model and current document set. We will propose a fixed-scope independent review.