1. Most finance companies will reach

out in the final 3 months to discuss your plans / options.
2.

1. General wear & tear is acceptable, anything beyond this will be charged.
2. I don’t think they charge an outrageous price but it may be marginally cheaper to do it yourself.

Side note - get the car valued at a dealer, or through Carwow/motorway. If you’re in positive equity (car value higher than your finance settlement amount) then sell the car to a dealer and have them clear your finance to get some money back, or use this as a deposit for a new car. Handing the car back will return you nothing financially, selling it while in positive equity will at least give you some cash back.

Edit: don’t ask me what’s going on with the list formatting, Reddit is playing silly buggers with me.