Who is responsible for the maintenance and insurance of the lease vehicle?

Customer maintained Agreements
Customers are responsible for the upkeep and maintenance of the vehicle along with ensuring that the vehicle is fully comprehensively insured and has a valid MOT. You must get an MOT for your vehicle by either:

-the third anniversary of its registration
-the anniversary of its last MOT, if it’s over 3 years old

https://www.gov.uk/getting-an-mot

Novuna maintained Agreements
To help with the cost of maintenance and repairs, customers are able to take out the full maintenance option which spreads the costs over the life of the agreement. This can make budgeting much easier and also allows customers to take advantage of the lower labour rates and tyre costs that Novuna Vehicle Solutions offer.

One other advantage is the ability to use a maintenance booking line to take care of interaction with the dealer along with the authorisation of work.