Some have, some haven't. Usually the creditors are content to allow the expense ( depending on everything else, of course) but the issue lies with the PCP lender. Even if you are allowed to continue the contract, you will need to plan ahead to the balloon payment as you will not be able to borrow this amount and may well be unable to hire a new vehicle either.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk