An FSAVC plan is similar to an AVC plan except that it is completely independent of the LGPS. You choose your own provider and make your own arrangements to pay contributions to your FSAVC plan. Therefore, your contributions will not be deducted through payroll and you will not receive tax-relief at source. Instead you will have to claim the tax relief from HM Revenue & Customs yourself.

You may also find that an FSAVC plan involves higher charges than an AVC plan.