For individuals

Advice as individual as you are.

Your journeys, circumstances and priorities are personal. Your mobility decisions should be too. Whether you’re keeping your current car, thinking about changing, considering electric or exploring salary sacrifice, we’ll help you understand what works for you.


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We start with you. Not the car.

Your journeys, lifestyle, budget and priorities come first. From there, we help you understand the choices available and what genuinely makes sense for your circumstances.

Sometimes that might mean changing your car. Sometimes it could mean salary sacrifice or going electric. And sometimes the best decision might be to keep what you already have.


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1
We listen
It starts with a conversation. We get to know how you travel, what you need, what matters to you and what you’re trying to achieve.

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We explore
We help you understand the relevant vehicle, funding, salary sacrifice, EV and mobility options — including the pros, cons and practicalities.

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You decide
We’ll explain the options clearly and give you our view, but the decision is always yours. No predetermined answer and no pressure to proceed.

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We stay with you
If you decide to make a change, we can help you navigate what comes next. And if questions come up later — charging, costs, changing circumstances or your next decision — we’re still here.

What’s right for someone else might not be for you

Your journeys, lifestyle, budget and circumstances are your own — so the right answer will be too. Salary sacrifice might make perfect sense. An EV could fit your life brilliantly. Personal finance or leasing might work better. Or keeping the car you already have could be the smartest decision.

That’s why we start with you — not with something to sell.

Your local dealer
Wants to sell you a car directly
Their conflict
Salary sacrifice schemes use “preferred dealers” — meaning your local dealer is cut out of the sale entirely. So if you ask them whether salary sacrifice is better for you, they have a strong financial reason to say no.
The result
You’re steered toward personal finance — not because it’s right for you, but because it’s right for them.

Your salary sacrifice scheme operator
Can only offer salary sacrifice
Their conflict
Scheme operators make their money from salary sacrifice arrangements. They can’t offer personal finance, PCP, or HP — so they’re not in a position to tell you when one of those might actually suit you better.
The result
You’re steered toward salary sacrifice — not because it’s right for you, but because it’s the only thing they can provide.

Odigo Verve
Works across everything
Our position
We have relationships across the whole market — salary sacrifice schemes, dealers, leasing companies, and finance providers. We’re not tied to any one channel and so we can consider everything based on your individual circumstances.
The result
You get a genuine comparison of every option — and a recommendation based entirely on your circumstances.

Why does this matter? Here’s a real example.

Imagine you’re an employee whose company offers a salary sacrifice car scheme. You visit a local dealer to look at a new EV. You ask: “Would I be better off getting this through my employer’s salary sacrifice scheme, or on personal finance?”

The dealer knows that if you go through salary sacrifice, they won’t get the sale. So the answer you get is almost always: “Personal finance is probably better for you.” Whether that’s true or not.

Now imagine asking the same question to your employer’s scheme provider. They can only offer salary sacrifice, so they have no incentive to tell you when personal finance might genuinely be the smarter choice.

This is the gap Odigo Verve exists to fill. We’ll give you the honest answer, whatever it turns out to be.


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How we get paid — and why it matters

We believe you should understand how we work as well as the advice we give you.

Odigo Verve may receive a fee when we introduce you to certain providers and you choose to go ahead. Where a commercial relationship exists, we’ll be transparent about it.

That doesn’t mean our guidance starts with the options that pay us. We start with you — your circumstances, your choices and what makes sense for you.

The bottom line: our reputation is built entirely on the quality of our advice and the outcomes we get for our clients. That’s a stronger incentive to do right by you than any referral fee.

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Transparency
We’ll explain relevant commercial relationships so you understand how we work.

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Your circumstances first
Our starting point is what you’re trying to achieve, not a particular product or provider.

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Your decision
We’ll explain our view and the reasons behind it. You decide what happens next.

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Sometimes the answer is “not yet”
If changing car, going electric or choosing a particular route doesn’t make sense for you, we’ll say so.

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An advisor for life, not just a transaction
We’re here beyond the purchase — for running cost questions, EV support, and your next car when the time comes.

How we help

Whatever you’re considering, we’ll help you understand your options and what they mean for you.

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Vehicle and mobility choices

Keeping your current car, thinking about changing or wondering whether there’s another option? We help you work out what fits your journeys, lifestyle and priorities.

  • Current vehicle & needs review
  • Vehicle search & selection support
  • Lifestyle & journey assessment
  • Wider mobility options
Explore your options

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Salary sacrifice & funding

Salary sacrifice, PCP, HP, leasing or buying outright can be difficult to compare. We help you understand the differences, costs and practicalities before you decide.

  • Salary sacrifice explained
  • Funding options made clear
  • Cost & practical considerations
  • Existing proposition or deal review
Learn more about funding options

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EV & charging guidance

Thinking about electric? We help you understand whether an EV fits your journeys, lifestyle and charging options before you make the change.

  • Journey & mileage suitability
  • Home & public charging guidance
  • Real world EV considerations
  • Cost of ownership guidance
Explore EV support

Curious about electric? Could it work for you?

Electric cars can work brilliantly for some people. For others, the practicalities, costs or timing might mean they’re not the right choice yet. The important thing is understanding what an EV would actually mean for your journeys, lifestyle and circumstances.

We’ll help you look at the things that really matter — from range and charging to costs and everyday use — so you can decide with confidence.


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What if I regularly make long journeys?
Range figures on their own don’t tell you whether an EV will work for you. We’ll look at the journeys you actually make, how often you make them, the kind of mileage you cover and the charging options available along the way. That gives you a much more realistic picture of what living with an EV could involve — including where you might need to charge and whether that fits comfortably with the way you travel.

What if I can’t charge at home?
Not having a driveway doesn’t automatically rule out an EV, but it does make understanding your charging options more important. We’ll help you look at what’s realistically available to you — whether that’s workplace charging, local public charging, on-street provision or charging as part of your regular journeys. We’ll also consider how often you may need to charge and the practicalities and costs involved, so you can decide whether it would work for your lifestyle.

Would an EV actually save me money?
It depends. The vehicle, your mileage, how you fund or access it and where you charge can all affect the answer. Salary sacrifice can change the calculation again for some employees. Volatility in petrol and diesel prices also highlights another consideration: how exposed you want to be to changing fuel costs? For drivers who can charge at home — particularly those able to make use of suitable off-peak tariffs — electric can offer more choice over how and when they buy the energy they need for their car. For someone relying heavily on public charging, the picture can be very different. Electricity prices can change too, so this isn’t about pretending EV costs are fixed. It’s about understanding where your costs come from, how much control you may have over them and how that compares with the alternatives available to you. Rather than relying on headline savings or generic cost-per-mile figures, we’ll help you compare the options using your mileage, charging situation, funding route and circumstances.

What if I’m still not sure?
You don’t have to decide based on a short test drive and a specification sheet. Where available, we can help you explore longer EV experiences, giving you the opportunity to see how electric driving fits into normal life — your commute, regular journeys, charging and everyday routine. And if you come away deciding electric isn’t right for you, that’s a perfectly valid outcome.

Whatever your next move, make it the right one for you

Start with a free, no-pressure conversation. We’ll listen to what you need and tell you honestly how we can help.


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