With a PCP the vehicle remains the property of the finance company, so in the event of your death to take ownership of the vehicle would require your executor to pay off the outstanding debt. In the event that there is insufficient funds to do so or this is not the option you want, the finance company will take the vehicle back, sell it on and these funds would be deducted from your outstanding finance. If this amount was insufficient to clear the balance then the remaining amount would be a debt to be settled.

If you decide to stop driving, you can end the PCP early through voluntary termination if you have paid 50% or more of the total amount owed, and the vehicle is returned to the finance company. Your contract is then terminated, bar any charges for wear and tear or excess mileage. If you have not paid more than 50% of the total amount you would need to settle the balance, but this would then give you ownership of the vehicle which could then be sold if you no longer wanted to drive.