Read all about setting up a car subscription with Mycardirect. Find out about vehicle range, what’s included, contract flexibility and more so that you can make an informed decision when deciding whether Mycardirect is right for you.

By: Simon Richardson
Last update 2. March 2023 Reading time 3:45 min

About Mycardirect

Mycardirect has built its reputation on valuing the importance of every customer. The group was founded in 1997 and is now a leading provider of bespoke vehicle solutions and business services. The head office is based in Hemel Hempstead, with locations also in Cambridgeshire, Milton Keynes and Birmingham, making mycardirect available right across the UK (also see our interview with the CEO).

From one month to four years and multiple options in-between, mycardirect full range of vehicles and subscription lengths will ensure you always have the car that suits your needs.

How it works

Click through 4 decisions and you are ready to have your car delivered to your home. Thanks to mycardirect’s dedicated automated system, the entire process can be as quick as three business days. Once the necessary documents have been filled out, a delivery date can be agreed. Customers have the choice to either receive their new car via home delivery or to collect from one of mycardirect’s locations.* The longer you subscribe the more you save.

The insurance is powered by the Wagonex fully automated insurance engine. The platform gets to know you through the customer journey so that once you get to the insurance questionnaire, they only need a few more pieces of information to give you an instant quote. You are able to use your personal no-claims discount (NCD) to reduce the monthly premium (as long as you are not already using it on another policy) and continue to build your personal NCD as you drive with us.

Alternatively, you are free to use your own insurance. You simply need to provide us with an up to date cover note from your insurer. Each repair is carried out in accordance with recognised industry standards and guaranteed for at least 5 years. All parts are approved by vehicle manufacturers.

* (additional charges may apply for deliveries outside UK mainland).

Costs and fees

Mycardirect offers cars from just £498 pm for a Citroen C3 Aircross. With mycardirect there is a refundable deposit required. The price of the deposit is dependent on the vehicle value, but is generally £250 or £500. The refundable deposit comes out on signed agreement and monthly subscription/admin fee is made on delivery. Your second payment will occur one calendar month after the delivery/pick up date of the vehicle, and this will become your contract renewal date.

Brands and models

Mycardirect subscribers have access to a wide range of vehicles. This includes:

  • Audi Q2 TDI S Line
  • BMW 3 Series Pro Pack M
  • BMW 118i M Sport
  • BMW 320i
  • Citroen C4 Cactus Flair PT
  • Citroen C3 Aircorss PT
  • Ford Fiesta
  • Fiat 500L Cross 7City 1.4
  • Mercedes EClass 220 SE 9GT
  • Peugeot 5008 1.2 GTL Prem
  • Peugeot 2008
  • Peugeot 3008
  • Peugeot 208 Active PureTech
  • Hyundai i10
  • Porsche Macan
  • Suzuki Vitara Hybrid SZ-T
  • Tesla Model 3

Mycardirect has access to a large fleet of cars, so if you have your eye set on a specific vehicle, contact the MCD team to discuss your vehicle preference and they will gladly help.

Notice periods

If you are on a mycardirect rolling monthly plan, then the minimum required period to keep each vehicle is one month. Please give mycardirect at least one week’s notice before the contract renewal date if you would like to switch vehicles for the following month.
If you are on a 3-month plan or longer and would like to switch cars, get in touch and mycardirect can discuss what options are available to you.

If you are on a rolling monthly plan and would like to return your vehicle before the start of the next month, just let mycardirect know a week before your contract renewal date. If you are on a long-term plan, mycardirect will be in touch in your penultimate month to discuss your options. If you wish to cancel before the end of your subscription, please contact the team service via .

What’s special about Mycardirect?

Mycardirect offers a wide range of subscription lengths, from 1 to 24 months, making them highly flexible. If you are after a specific car, simply contact mycardirect via and they will gladly help. Roadside assistance and full maintenance are included with every vehicle and are part of your monthly price. Mycardirect takes away the stress of unplanned costs and gives you a bubble of safety.

When you have a car through mycardirect you will have an accompanying contract which will show that you are the beneficial owner of the car. This will allow you to obtain the relevant resident parking permit.

Social media

You can find mycardirect on Facebook (myvandirect: Facebook) Instagram, Twitter and linkedIn.


What checks do Mycardirect do?
As Mycardirect is regulated by the Financial Conduct Authority, they must ensure that they are providing a subscription service in a financially responsible manner. To that end, they carry out a credit check in advance of any agreement, including CCJs.

Can I get a subscription if I have points on my licence?
Mycardirect will accept you with up to 9 points on your licence, but you must check with your insurer that they are happy to cover the vehicle you have selected.

What’s the deposit for Mycardirect?
Depending on the value of the vehicle you select, the deposit is either £250 or £500. This is refunded at the end of your contract, minus any charges.

What happens if I crash my subscription car?
Your subscription does not cover accidental damage, so you will need to make sure that you are covered on your insurance policy. However, your Mycardirect subscription does include breakdown cover, so if you are in an accident you can call them on 0800 107 5867.

Can I swap cars on my subscription?
As your subscription goes month to month, it is easy to swap vehicles. You must call and give 2 weeks’ notice for this to happen, in advance of your next scheduled monthly payment.


Mycardirect subscriptions come with roadside assistance, road tax, service, and maintenance. The fully automated and tailormade personal insurance is optional and worth asking the Wagonex team for details. If opting to provide your own insurance, just share your certificate with the mycardirect team. With mycardirect there is no need to waste time filling out multiple forms or visiting different companies. They cover it all, with the paperwork being emailed to you and signed digitally.

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Mycardirect Reviews

4.1 of 5 stars
4 Reviews
4.1 of 5 stars

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  1. Nice company at first to get you signed up, £250 sign up fee £250 deposit. They will charge you extortionate rates for minor damages upon return of vehicle so be careful. - from Sarah | 24. October 2021
  2. Fabulous service from this company, highly recommend. Very easy and straight forward process from start to finish and I am super happy with me new car. A big thank you to the mycardirect team. - from Chantal Oakman | 16. March 2021
  3. Loved my experience with mycardirect Well done. Gary Hodder - from Gary Hodder | 13. September 2020
  4. My first venture into the world of Car Subscription and I have to say that I am really impressed! I would highly recommend this company and convey special thanks to Sarah and Lydia who ensured that I was fully informed via email throughout the journey from order to delivery. - from Steve Anderson | 1. September 2020

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