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Tijdens het lopende leasecontract ga ik uit dienst. Hoe werkt dat met de leasefiets?

Als je fiets van de zaak rijdt, dan heb je altijd te maken met een leasecontract van 36 maanden. Het kan zijn dat je in die periode bij je baas vertrekt. Maar wat gebeurt er dan met de leasefiets?

Op het moment dat je je leasefiets uitkiest, ben je van plan er zeker 3 jaar op te fietsen. Eerst gedurende de vaste looptijd van het leasecontract van 36 maanden en daarna misschien in privébezit als je de fiets overneemt. Maar omdat 36 maanden in de toekomst kijken best ver is, is het goed om te weten welke regelingen er bestaan als je binnen die periode uit dienst treedt. Daarnaast is het belangrijk om duidelijke afspraken met je werkgever hierover te maken. Er zijn dan verschillende scenario’s denkbaar.

Scenario 1: Je collega stapt op jouw leasefiets
Als jij uit dienst treedt, dan komt er vast een nieuwe collega op jouw plek te zitten. Hij of zij kan jouw leasefiets overnemen, net zoals dat vaak bij leaseauto’s gaat. Het bestaande leasecontract loopt dan gewoon door en je bent je baas bij het weggaan niets verschuldigd. In de meeste gevallen is dit dé ideale oplossing.

Scenario 2: de resterende leasetermijnen moeten betaald worden
Als er geen collega op jouw fiets komt te zitten, dan zit er niets anders op dan de resterende leasetermijnen af te betalen. Ga je bijvoorbeeld na 16 maanden uit dienst, dan blijven er nog 20 maanden (elk leasecontract heeft een looptijd van 36 maanden) over die betaald moeten worden. Je werkgever is altijd verantwoordelijk voor het voldoen van de resterende leasetermijnen, maar hij kan die kosten met jou verrekenen. In de voorwaarden die je ondertekent aan het begin van de leasetermijn moet dat dan wel opgenomen zijn. Overigens worden de kosten voor het service- en onderhoudspakket niet meegerekend als de eerste 12 maanden van de leasetermijn zijn verstreken. Je kunt er voor kiezen om de fiets na het betalen van de resterende leasetermijnen over te nemen. Dit kan meestal voor een bedrag ter hoogte van ongeveer 15% van de nieuwwaarde.

Rekensom:
Je kiest een fiets á € 90 bruto leasebedrag per maand uit en besluit na 20 maanden op eigen initiatief uit dienst te gaan. In de voorwaarden is afgesproken dat je bij uitdiensttreding verplicht bent om de resterende leasetermijnen (16 maanden) af te betalen. Als je even snel rekent ben je dan nog 16*€ 90, ofwel € 1.440 verschuldigd, maar daar stopt het rekensommetje gelukkig niet. Je werkgever draagt bijvoorbeeld € 30 per maand bij (of € 480 voor de resterende 16 maanden). Die kosten hoef je in principe niet te voldoen. Omdat er 12 maanden verstreken zijn, worden de kosten voor het service- en verzekeringspakket (circa € 20 per maand) evenmin in rekening gebracht (€ 320 voor de resterende 16 maanden). Jij bent voor de resterende 16 maanden dus € 1.440 (16*€ 90) - € 480 (16*€ 30) - € 320 (16*€ 20) is € 640 kwijt. Vervolgens heb je na afbetaling van de resterende leasetermijnen nog de optie om de fiets voor circa 15% van de verkoopwaarde over te nemen.

Scenario 3: je valt onder de coulance-regeling van LEASE A BIKE
Voor grotere werkgevers wordt in sommige gevallen een coulance-regeling afgesproken, waarbij 1 op de 25 fietsen kosteloos geretourneerd kunnen worden. Daarnaast, soms is er een hele goede of bijzondere reden waarom je uit dienst gaat. Dan kan de leasemaatschappij besluiten om een coulance-regeling toe te passen. De leasemaatschappij denkt dan actief met je mee in een goede oplossing voor beide partijen. Wat die oplossing is, hangt af van elk uniek geval.

Duidelijk afspraken beginnen met de voorwaarden
De leasemaatschappij stelt altijd voorwaarden op die jij en je baas voorafgaand aan het leasecontract ondertekenen. Dat is een standaard verzameling aan voorwaarden die je werkgever – soms met jou inbreng - kan aanpassen. Lees voor het ondertekenen de voorwaarden goed door. Zo kom je samen met je werkgever tot voorwaarden waarin jullie je allebei kunnen vinden. Bepaal bijvoorbeeld dat er bij uitdiensttreding altijd eerst gezocht wordt naar een collega die op jouw fiets doortrapt. En leg duidelijk vast wie de resterende leasetermijnen betaalt.

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