I'm sure other forum contributors know more about this than me (I've never had a car on PCP) but I understood that, broadly speaking, you cannot sell a PCP car during the period of the contract (for example, 2 years into a 3- or 4-year agreement) as suggested by the OP. Can anyone with closer knowledge confirm this or put me right?

Sure you can - but you'll need to settle the finance and won't get the benefit of the guaranteed future value.

Thanks, Marlot. Would there be substantial penalties for early settlement? And presumably you would have to settle the finance before selling the car, otherwise you would not have title to it?

Interest is calculated pro-rata for the amount/time that money has been loaned and there's a termination fee would would have come out of monthly payment even going full term.

If a dealer is involved, then just like HP they can ring up the finance company, get a settlement figure and build that into the deal.

Only if you're selling privately would you need to settle before selling.