I wouldn't have had a bad word to say about the overall experience with Octopus until the post-collection damage report, excessive charges and frustrating correspondence which followed, which completely changed my perception of the company and the product.
To be clear as a matter of fact, the car was in near-immaculate condition when collected by Octopus's representative. There was a very small chip, well within the BVRLA guideline size, which Octopus's own pre-collection automated assessment tool had indicated would probably cost at most a couple of hundred pounds to repair (in reality probably less), well within the £500 that Octopus supposedly covers without charge. On that basis I didn't bother having it fixed before collection as I reasonably assumed there would not be more than £500 of damage on a near-immaculate vehicle. Additionally, all accessories were present and correct and all of this was documented with photos and video. The representative from Greenhaus provided a form indicating they didn't see any damage and that all accessories were indeed present.
I was therefore shocked when Octopus's assessors then came back with a report indicating OVER A THOUSAND POUNDS in supposed damages after receiving the car at their assessment centre (having driven it over 100 miles after collection).
The inflated and spurious damages included:
- "Inflation kit missing" - this was in fact present and correct in the boot, as signed for by the person collecting it and with photographic proof, and indeed was even marked as being present on the subsequent assessment report, but they still attempted to spuriously charge EIGHTY SIX POUNDS PLUS VAT (note that these standard inflation kits retail for less than £10).
- Poor previous repaired panels - these were repairs conducted by Octopus's insurers' own nominated repairers, and appeared perfect; there would be no way for a consumer to tell there was any problem.
- Supposed "paint contamination" - invisible to the naked eye and no way for a consumer to tell.
- Damage to trim that was not present upon collection and can only have happened on the >100 mile drive to the assessment centre.
- No less than THREE separate items relating to repair and blend for the very small chip (measured by the assessor and documented as being within BVRLA tolerances in any event), totalling an eye-watering £675. For reference I had obtained a quote from a popular paint chip repair company that was circa £250 for a full repair and blend, and had I known Octopus would inflate the cost of repairs so much for something so small, I would of course have had it repaired myself before collection.
When I challenged the many clearly over-inflated and obviously spurious damages, I entered into protracted correspondence including a formal complaint. Octopus finally agreed to remove the entirely spurious items (such as the inflation kit which wasn't in fact missing), but refused to budge on the grossly inflated chip repair costs and supposed additional damage that I maintain wasn't present on collection, leaving a final total damage cost conveniently just above the £500 covered under the scheme (meaning I had to pay the full amount, not just the excess over £500). They then rejected my complaint and deemed the matter closed.
All in all the collection and post-lease damage experience totally reversed my view of Octopus EV and their EV salary sacrifice product. I certainly would not enter into such an arrangement with them again in the future, having experienced how cutthroat they are at the end of the lease.