Perx can include motor insurance: the awkward bit, now built in.
5 min read · 27 July 2026. EV salary sacrifice solved most of the problem. It gave employees a simple route into a new electric car, with the cost coming out of gross pay. But for many drivers one piece still sat outside the scheme. Insurance can now be embedded inside the Perx journey, so the car and the cover are quoted together and sit inside one gross salary deduction.
The bit that always sat outside
Salary sacrifice has never really struggled to explain the car. The car is the easy part. You choose it, you see the monthly figure, and the deduction comes out of gross pay before income tax and National Insurance are calculated.
Insurance was different. For many drivers it meant another quote, another website, another password, and another thing to sort before the car could go on the road. It also meant more admin for the employer, more questions for the fleet team, and more points in the process where the whole thing could stall.
None of that is dramatic on its own. It is just friction, arriving at exactly the moment when someone is trying to decide whether to commit.
What changes
Motor insurance can now be embedded inside the Perx salary sacrifice journey. It is optional, so nobody has to take it, but when it is chosen it sits alongside the vehicle in one joined-up process.
The driver gets a single quote covering the car and the cover together. They see a real insurance premium at the same time as the vehicle price, rather than a placeholder to be filled in later. The full package then sits inside one gross salary deduction.
That last point is the one that matters most. Instead of a set of separate steps, logins and payments, there is one clear monthly amount coming out of gross pay. Fewer moving parts, less to sort, and a cleaner route from quote to order to delivery.
What the driver actually experiences
The practical difference shows up on delivery day. When the car arrives, the insurance certificate is already there in the portal. It arrives automatically, without anyone chasing documents or manually pushing paperwork between systems.
There is also no separate shopping around, no paper chase, and no awkward handover between the vehicle quote and the policy. The two are part of the same journey rather than two processes that happen to finish at roughly the same time.
The premium is fixed for the lease term, subject to standard conditions. That removes the annual renewal surprise that makes private car insurance feel like a moving target, and it means the monthly figure an employee agrees at the start is the one they can plan around.
What it means for the employer
For the employer, embedded insurance mostly shows up as things that stop happening.
Fewer employees stuck between the quote and the road. Fewer queries landing with HR or the fleet team about cover, documents and timing. Less drift in a process that otherwise loses people at the point where they have to go and organise something themselves.
It also makes the scheme easier to explain. A benefit that resolves into one clear monthly amount is a much simpler thing to put in front of a workforce than one that comes with a list of steps the employee still has to complete on their own.
See what Perx would look like for your workforce. A short call gets you a costed view: participation by salary band, what the bundle includes, and how the scheme runs once it is live.
Talk to us about Perx →The wider bundle
Perx can do more than the car. The wider bundle can include the EV, a home charge point, solar generation and battery storage, all inside the same salary sacrifice structure.
That matters because the car is only part of the cost picture for an electric vehicle. Where and how you charge it is the rest. Bundling the pieces lets employees build a more joined-up monthly package around how they actually live and drive, rather than bolting things on later and running several arrangements side by side.
Insurance now fits into that same logic. It is not an extra sitting around the edges of an EV scheme. It is one more of the practical pieces folded into a single experience.
Who does what
It helps to be clear about the roles. Perx by Covase is the branded, employee-facing solution, the thing an employee signs up to and interacts with. Heva is the partner delivering the bundled EV, charger, solar and battery structure. And Orbis IO is the platform underneath, underpinning delivery and in-life management once the scheme is running.
Why this is the version worth waiting for
The best way to describe this is not that a feature has been added. It is that one more thing has come off the employee's plate.
If you are planning a salary sacrifice benefit and want the whole thing to feel easier from day one, this is the version that takes the friction out. One quote, one clear monthly amount from gross pay, and a certificate that turns up with the car.
Launching in August 2026.
Insurance is an optional element of the Perx journey and is subject to standard conditions. Nothing here is personal financial, tax or insurance advice.
Related reading
- EV salary sacrifice and home energy: the complete UK bundle guide
- Can you include a home charger in salary sacrifice?
- Is salary sacrifice safe? What HMRC's EV rules actually mean
- How SMEs set up an EV salary-sacrifice scheme
Frequently asked questions
Can motor insurance be included in EV salary sacrifice?
Yes. Motor insurance can be embedded inside the Perx salary sacrifice journey, so the car and the cover are quoted together and the cost sits inside one gross salary deduction. It is an optional element rather than a requirement, so employees who prefer to arrange their own cover can still do that.
Is insurance compulsory on a Perx salary sacrifice car?
No. Insurance is an optional part of the journey. When it is selected it sits alongside the vehicle in the same process and the same monthly deduction, but the scheme does not depend on it.
How does embedded insurance affect the monthly salary deduction?
When insurance is included, the vehicle and the cover are combined into a single gross salary deduction. The employee sees one clear monthly amount rather than a vehicle deduction plus a separate insurance payment set up somewhere else.
When does the driver receive the insurance certificate?
The certificate is delivered automatically in the portal when the car arrives, so there is no chasing documents or moving paperwork between systems before the car can go on the road.
Does the insurance premium change during the lease?
The premium is fixed for the lease term, subject to standard conditions. That avoids the annual renewal repricing that applies to most private motor insurance.
What else can be included in a Perx salary sacrifice bundle?
Alongside the electric vehicle, the bundle can include a home charge point, solar generation and battery storage, all within the same salary sacrifice structure. Heva delivers the bundled home-energy structure and Orbis IO underpins delivery and in-life management.
Perx by Covase brings the electric car, the home charge point, solar, battery storage and now optional motor insurance into one gross salary deduction, with Orbis IO underpinning delivery and in-life management. A short call gives you a costed view for your workforce.
Talk to us about Perx →