well depending on where you are tax bracket wise it can also 'help' keep you under whatever threshold, alongside bumping pension contributions... but yeah i'd imagine as its taken pre-tax it nerfs your overall 'take-home' and therefore the percentage salary contributions...
We've not yet had our company introduction with Octopus EV, i'd be interested to know what order the 'deductibles' are taken, obviously preference on pension first would be nice, but maybe there's a set order
Our company have been toying with the idea for the last 2 years, apparently the master-hire agreement is days away from being signed and then we'll get employee rollout, im just waiting for my company invite code so i can see what cars they have in the salary sacrifice scheme. I got a callback from one of their customer support folks as i'd filled something in mistakenly as a 'direct customer' and the guy said the cars and deals are entirely different so best to wait