Independent employer-side review
Is your EV salary sacrifice scheme still delivering what you think it is?
We help HR and reward, finance and procurement, risk, fleet and sustainability teams test whether an existing employee car benefit programme is fairly priced, well governed and ready for renewal.
The best time to review a scheme is before the exception becomes expensive
Provider renewal, rising employee complaints, a second-supplier decision, unexplained pricing, early termination exposure or a change in senior ownership are all useful triggers for an independent review.
We connect the commercial terms to the operating reality: what employees are told, what payroll does, how vehicles and insurance are handled, which party owns each risk, and what management information reaches the employer.
The result is a clear decision path for the employer, not another generic provider presentation.
What we test
The review follows the employee journey and the employer's decision rights.
Value and pricing
Gross pay foregone, employee net cost, employer savings, provider fees, funder pricing, manufacturer support and VAT treatment.
Provider performance
Service levels, complaints, data quality, ordering, delivery, in-life support, exceptions and management information.
Contracts and policy
Supplier terms, employment addendum, car policy, eligibility, pay changes, leavers and the responsibilities between documents.
Insurance and early termination
Protection, exclusions, write-off, theft, claims, long-term absence, redundancy and what happens when a driver leaves.
Governance and renewal
Decision owners, review forums, evidence, renewal timetable, retender triggers and second-supplier options.
Employee experience
Clarity of illustrations, vehicle choice, onboarding, communications, support and the points where confidence is lost.
What you receive
A concise evidence pack that supports a decision and an action plan.
Current-state map
The documents, parties, obligations, data flows and decision rights that make the programme work.
Gap and risk schedule
Specific commercial, operational, employee, financial and governance issues, prioritised by consequence and urgency.
Renewal or remediation plan
The decisions, owners, evidence and sequencing needed before renewal, retender or provider change.
Executive findings session
A practical briefing for HR, reward, procurement, finance, risk, fleet and sustainability stakeholders.
Independent means useful to the buyer
Fagan & Company sells advisory and implementation support, not vehicles, finance or insurance products. The employer is the client.
We can work constructively with an incumbent provider, leasing company, insurer and other advisers while keeping the review focused on the employer's requirements and evidence.
Where formal legal, tax or regulated advice is required, we work alongside the employer's appointed specialists.
Related employer decisions
Scheme review FAQs
Know the renewal or decision date?
Share the programme stage, provider model and the decision you need to make. We will suggest the smallest useful first engagement.