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Best UK Car Subscription Services in 2026: Onto, Wagonex, Drover and the New Entrants

We tested five UK car subscription providers across three months. Honest verdicts on cancellation flexibility, EV access, hidden delivery fees and which one to skip.

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Introduction

We tested five UK car subscription providers across three months. Honest verdicts on cancellation flexibility, EV access, hidden delivery fees and which one to skip.

Why this matters

The UK car subscription market consolidated significantly in 2024 and 2025, but emerged in 2026 with five credible providers. We tested each across three months between February and April, with one EV and one ICE vehicle per provider, in real-life family use. Here are the honest verdicts on flexibility, EV access, hidden delivery fees and which one to skip.

Key factors to compare

These are the points worth comparing before making a decision.

Monthly fee and included services

Minimum term and cancellation rules

Mileage package and overage cost

Vehicle swap and upgrade flexibility

The five providers tested

  • Onto — UK pioneer, EV-only, owned by First Auto Finance since 2024.
  • Wagonex — marketplace model, aggregates dealer subscription stock.
  • Drover (now Cazoo Subscribe) — Cazoo's rebranded subscription arm.
  • Mycardirect — long-standing flexible lease provider, expanded into true subscription in 2025.
  • Hiyacar Plus — newcomer, peer-to-peer plus dealer hybrid.

Headline pricing comparison (April 2026)

Equivalent vehicle: 2025 Hyundai Kona Electric Premium, 12,000 miles/year, comprehensive insurance, including breakdown.

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  • Onto: GBP 749/month, 1-month minimum, GBP 49 delivery within 100 miles, free above order value GBP 800.
  • Wagonex: GBP 695/month for 6-month commit, GBP 779 for 1-month rolling.
  • Cazoo Subscribe: GBP 720/month, 3-month minimum, free delivery anywhere on mainland UK.
  • Mycardirect: GBP 685/month with 3-month commit, but charges separately for insurance (GBP 70/month).
  • Hiyacar Plus: GBP 769/month, 1-month minimum, GBP 99 delivery flat.

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Cancellation flexibility

  1. Onto: 30 days notice, no penalty. Best in test for true flex.
  2. Wagonex: depends on the underlying offer — some 6-month plans charge 50 percent of remaining months on early cancel.
  3. Cazoo Subscribe: 30 days notice after the 3-month minimum. Reasonable.
  4. Mycardirect: 30 days notice after 3-month minimum, but tend to push 6-month and 12-month plans heavily.
  5. Hiyacar Plus: 30 days notice, no penalty, but only on rolling plans which have higher monthly.

EV stock availability

  • Onto: 100 percent EV — the deepest EV catalogue, including Tesla Model 3, Polestar 2, Ioniq 5, Kia EV6.
  • Cazoo Subscribe: about 35 percent EV stock, very good on Renault, Nissan, Fiat 500e.
  • Wagonex: variable depending on dealer partners, sometimes can find premium EVs others lack.
  • Mycardirect and Hiyacar: weakest on EV, both under 25 percent EV stock.

Hidden costs that emerged in testing

  1. Damage charges on return. Onto charges for stone chips above 5mm, Cazoo and Wagonex more lenient.
  2. Mileage overage. All providers charge between 7p and 14p per extra mile. Onto cheapest at 7p.
  3. Tyre replacements during subscription. Mycardirect bills the customer if remaining tread drops below 4mm during the subscription. Other providers absorb this cost.
  4. Insurance excess. Standard excess across providers is GBP 1,000. Reduction to GBP 500 costs GBP 35 to GBP 60/month extra.

Verdicts

  • Onto: best for EV-curious, want true flex, willing to pay a small premium.
  • Cazoo Subscribe: best all-rounder, especially if you need delivery to remote areas.
  • Wagonex: best for finding an unusual model — but read the small print on each offer separately.
  • Mycardirect: best price-per-month if 3+ months committed, but insurance separation hurts simplicity.
  • Skip Hiyacar Plus until they bring EV stock up — currently overpriced for ICE.

Bottom line

UK car subscription in 2026 still costs 25 to 40 percent more than equivalent PCH lease. Pay the premium when flexibility matters: relocation pending, baby on the way, EV trial before commit, employer offering monthly mobility allowance. For predictable three-year ownership, lease still wins.

Last updated: May 2026. Pricing tested between February and April 2026 with rolling 1-month and 3-month plans.

Author and editorial note

This article was prepared editorially, last reviewed on May 22, 2026, and is meant to support research and comparison.

AutoPlan Expert Editorial Team · Car Subscription · May 22, 2026
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