As the impact of COVID-19 is felt across the UK, you may have concerns or be experiencing financial hardship.  If your income has been affected by the disruption caused by COVID-19 we can support you with a range of solutions for our Personal customers.

If you are an individual, sole proprietor, unincorporated association or small partnership (“Personal Customer”) and are experiencing financial hardship, and need help, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it., or 01794 511458,  if you are a business customer please contact your account manager/contact.

Please see below the answers to a number of common questions that Personal customers are facing at this time:

I am currently unable to make my payments due to the impact of COVID-19

If your income has been affected by COVID-19, we may be able to support you with a payment holiday for up to 3 months.

A payment holiday can help if you need to take a short break from making your payments. This may be due to a short-term loss of, or reduction in, your income or your household income due to COVID-19.  If you would like to ask for a payment holiday and you are a Personal customer please contact This email address is being protected from spambots. You need JavaScript enabled to view it..  Business customers with fleets of 20 vehicles or less, please contact your Account Manager/Contact directly to discuss the options available.

Personal Customer - Am I able to end my current agreement early?

COVID-19 has caused unprecedented disruption and has resulted in deeply concerning and difficult times for everyone. Depending on the type of agreement you have, there may be an option to return your vehicle early.  If you are a Personal customer and are considering ending your agreement early due to concerns around COVID-19, please get in contact with us at This email address is being protected from spambots. You need JavaScript enabled to view it..  For business customers please contact your Account Manager/Contact directly to discuss the options available.

If you feel that you may have an issue with payment please get in touch with SHB immediately to discuss your concerns. Our team of experienced advisors will treat each case individually and will work with you to support where we can, based on your individual circumstances.

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