What do you drive?

[LancsVillan]

Boy do I have some mediocrity in my car history

Vauxhall Viva - Budgie yellow

Hillman Avenger - hand painted with black coach paint to replace the written off budgie

Escort Mk2

Orion

Rover 213s

Audi 80 - with fully functioning indicators. Twas good for people moving across on the M6 (wasn't it @blandy  )

205GRD

Focus Estate

Vectra

Focus Estate

Volvo s40 

Saab 95 Aerodeck thing which was bloody quick for an estate

Then the taxi

So 2 x Toyota Avensis D4D Estates with combined mileage by me so far of 352k!!!

 

and in all time t'missus has had 

Nova Star 1.2

Saxo Forte

and a Renault Clio

[BOF]

Ah, the Viva   I just went looking for pictures of that old thirsty bint and I've just discovered they've brought the name back from the dead !  And a Saab Aerodeck is just an estate Aero isn't it?  The Aero is a rocket.  Eats Beemers for breakfast.  Excellent wolf in sheep's clothing.

[rjw63]

On 31/03/2017 at 18:29, Xela said:

01 Vauxhall Passat 1.9 TDI Estate

 

 

 

[TrentVilla]

On 05/04/2017 at 09:27, tonyh29 said:

ah .. that explains a lot 

 

 

Yeah, like I didn't have kids then!

[Midfielder]

Too many nice looking cars on this thread. In a work car park full off BMW, Audi, Mercedes, Infinitis, couple of Teslas I am proud to squeeze this bad boy in to the car park almost like a red headed stepchild into the mix.

 

[BOF]

Extra kudos for the rotated photo

[blandy]

1 hour ago, LancsVillan said:

Audi 80 - with fully functioning indicators. Twas good for people moving across on the M6 (wasn't it @blandy  )

It went almost as fast as the fastest car known to man - the hire car. Proper quick it was. 

[Risso]

Al's Volvo was pretty nippy too as I recall.

Had a go in my brother in law's Tesla on Sunday.  Interesting (and very quick) car to drive, but the the 36 inch iPad thingy on the dashboard was hugely distracting.

[Xela]

3 hours ago, rjw63 said:

I made a Keenan! 

[omariqy]

Thinking of selling my car and getting a mini SUV/crossover. I do love my car but it's just not practical. I've looked at the following:

- Audi Q3
- BMW X1
- Mazda CX-5
- Range Rover Evoque
- VW Tiguan

I purchased my car for about £12k about 18 months ago. It's now worth £8k/£8.5k.  I reckon I am better off leasing or doing the PCP route given the depreciation of my car. Anyone have any recommendations? Both for car or whether to go down the leasing or PCP route?

Thanks

Omar

[wazzap24]

On 16/04/2017 at 05:43, omariqy said:

Thinking of selling my car and getting a mini SUV/crossover. I do love my car but it's just not practical. I've looked at the following:

- Audi Q3
- BMW X1
- Mazda CX-5
- Range Rover Evoque
- VW Tiguan

I purchased my car for about £12k about 18 months ago. It's now worth £8k/£8.5k.  I reckon I am better off leasing or doing the PCP route given the depreciation of my car. Anyone have any recommendations? Both for car or whether to go down the leasing or PCP route?

Thanks

Omar

PCH all day long. 

Doesn't seem to be that popular on here, more tend to lean towards PCP or ownership, but I would recommend it over those. 

With PCH, you can bolt on maintenance and insurance, plus road tax and breakdown are included. 

Its literally 'fuel it and **** off' 

my missus has a Vauxhall Mokka. I pay £180 per month, for the car, servicing AND fully comp insurance!! 4th PCH for her now and it's been ace every time and a MUCH better deal than PCP. 

My dad has just taken a little Seat Ibiza on PCH too, same principle and he pays £149.99 per month! 

My best mate has £42k's worth of BMW on his drive that he pays £350 a month for, with a deposit of less than £1200 - som of the deals are mental. 

Pch has more flexible down payment options too, so you don't need a big Dipper, but if you want to put more down to pay less per month - you can. 

Use a leasing company, not a dealer and be prepared to look at a few options to get the best deal. 

80% of people who take PCP never had up paying the final payment anyway and if you compare total costs, PCP will work out more over the term, more often than not. 

Offers more flexibility with mileage too. 

And there is your credit record. PCP sticks the whole value on your file, so if you needed to borrow for something else (mortgage etc) it can be tricky. 

 

 

Edited April 17, 2017 by wazzap24
Mileage

[omariqy]

8 hours ago, wazzap24 said:

PCH all day long. 

Doesn't seem to be that popular on here, more tend to lean towards PCP or ownership, but I would recommend it over those. 

With PCH, you can bolt on maintenance and insurance, plus road tax and breakdown are included. 

Its literally 'fuel it and **** off' 

my missus has a Vauxhall Mokka. I pay £180 per month, for the car, servicing AND fully comp insurance!! 4th PCH for her now and it's been ace every time and a MUCH better deal than PCP. 

My dad has just taken a little Seat Ibiza on PCH too, same principle and he pays £149.99 per month! 

My best mate has £42k's worth of BMW on his drive that he pays £350 a month for, with a deposit of less than £1200 - som of the deals are mental. 

Pch has more flexible down payment options too, so you don't need a big Dipper, but if you want to put more down to pay less per month - you can. 

Use a leasing company, not a dealer and be prepared to look at a few options to get the best deal. 

80% of people who take PCP never had up paying the final payment anyway and if you compare total costs, PCP will work out more over the term, more often than not. 

Offers more flexibility with mileage too. 

And there is your credit record. PCP sticks the whole value on your file, so if you needed to borrow for something else (mortgage etc) it can be tricky. 

 

 

Thanks, that's some really good advice. Any recommendations on where to get good deals?

[chrisp65]

28 minutes ago, omariqy said:

Thanks, that's some really good advice. Any recommendations on where to get good deals?

all manner of places, it really is as flippantly simple as googling PCH

but this site is quite good for getting a starting idea of what costs what...

Car Leasing

 

[Stevo985]

9 hours ago, wazzap24 said:

PCH all day long. 

Doesn't seem to be that popular on here, more tend to lean towards PCP or ownership, but I would recommend it over those. 

With PCH, you can bolt on maintenance and insurance, plus road tax and breakdown are included. 

Its literally 'fuel it and **** off' 

my missus has a Vauxhall Mokka. I pay £180 per month, for the car, servicing AND fully comp insurance!! 4th PCH for her now and it's been ace every time and a MUCH better deal than PCP. 

My dad has just taken a little Seat Ibiza on PCH too, same principle and he pays £149.99 per month! 

My best mate has £42k's worth of BMW on his drive that he pays £350 a month for, with a deposit of less than £1200 - som of the deals are mental. 

Pch has more flexible down payment options too, so you don't need a big Dipper, but if you want to put more down to pay less per month - you can. 

Use a leasing company, not a dealer and be prepared to look at a few options to get the best deal. 

80% of people who take PCP never had up paying the final payment anyway and if you compare total costs, PCP will work out more over the term, more often than not. 

Offers more flexibility with mileage too. 

And there is your credit record. PCP sticks the whole value on your file, so if you needed to borrow for something else (mortgage etc) it can be tricky. 

 

 

I don't know much about most of the differences between PCP and PCH.

But PCP deals include (or can include) your maintenance, insurance, tax, breakdown etc.

MIne only included tax and breakdown, but the OH's deal included maintenance as well. I was offered insurance but didn't take it.

But those options are there.

[wazzap24]

3 hours ago, Stevo985 said:

I don't know much about most of the differences between PCP and PCH.

But PCP deals include (or can include) your maintenance, insurance, tax, breakdown etc.

MIne only included tax and breakdown, but the OH's deal included maintenance as well. I was offered insurance but didn't take it.

But those options are there.

They tend to vary from manufacturer to manufacturer. 

A lot offer 'service plans', which do a job, but won't cover as much (generally) as a maintained deal from a leading leasing company. 

Tyres is normally a good example. A PCP 'service plan' won't include them, but a maintained packages from a leasing company will (and they normally include no quibble puncture replacements too). 

with insurance, I've only ever known this to be offered as a stand alone service provided by a third party and not actually insured as part of the deal from the manufacturer/dealer? And those don't tend to cover any 'shortfall' or 'gap' if you incur a write off and don't get enough back to cover the loss. 

I'm not saying you're wrong, products are always being updated, but I've not come across any PCP packages that provide the same levels of cover on either SMR or insurance. A lot of its all in the fine print. 

Out of interest, did your deal include breakdown and road tax for the whole term? If so that's pretty good as most only give you the first 12 months thrown in? was the insurance you were offered guaranteed for the whole term too? Again I've seen PCP deals with 12 months 'free' insurance, but not the duration of the contract? 

 

[wazzap24]

5 hours ago, omariqy said:

Thanks, that's some really good advice. Any recommendations on where to get good deals?

Personally, I'd go direct to one of either Lex Autolease, Network/Leaseplan or Arval 

Those are the three biggest and tend to get the best deals, due to the amount of vehicles they buy each year. It's not always the case and it's worth doing plenty of looking around on line. 

Be careful with leasing comparison sites, they sometimes only have broker and dealer offerings - not direct deals from the leasing companies (a bit like some insurers, who deliberately don't advertise on comparison sites)

going via a broker can be ok,  but generally they have to build a margin in, over and above the rate you would get direct and they sometimes have additional 'documentation fees'. 

With any deal, it's all about the fine print and 'total cost' over the full term, including your initial payment.

a couple of biggies are your mileage allowance and return standards. You'll see a lot of 'good' deals based on 5k per year and a massive initial payment. They can still end up costing more overall than another that looks more expensive from a monthly payment perspective. Excess mileage charges can be a bitch on PCP and PCH deals if you aren't careful. 

Return standards are important. Leasing companies tend to work to an industry standard set by the BVRLA, which allows some tolerance for minor damage and will only charge you if it's over a certain amount. Dealer/Manufacturer deals sometimes stipulate 'retail' return conditions, which means they expect it to be returned in practically showroom standard. 

I've worked in the vehicle finance industry for over 15 years, I don't know everything about every deal/contract, but I would be happy to try and help answer any questions you have if you find yourself a deal 

[wazzap24]

5 hours ago, omariqy said:

Thanks, that's some really good advice. Any recommendations on where to get good deals?

Here's a quick example on one of the cars you were looking at. 

RR Evoque 2.0 TD4 SE TECH Auto. 

PCP from Landrover: http://www.landrover.co.uk/offers-and-finance/finance-offers/range-rover-evoque.html

PCH via a finance broker: https://www.nationwidevehiclecontracts.co.uk/Landrover_range-rover-evoque-hatchback-2-0-td4-se-tech-auto-64162.htm

Look at the monthly rate. PCP looks better doesn't it? But when you compare the total cost inc deposit. Ouch. 

Same car, same term, same mileage etc - PCH works out about £4K less over 3 years (assuming you just hand it back after 3 years and walk away) 

They are not all like this, some PCP offers offer low deposits etc, but I'd stand by my opinion that PCH will win the majority. 

Edited April 18, 2017 by wazzap24

[maqroll]

On 4/12/2017 at 12:01, LancsVillan said:

Boy do I have some mediocrity in my car history

I'm a mixed bag. I started out practical, then got silly. But it was fun nonetheless, considering I usually walked/bicycled/trained to my destination.

My first vehicle was a total shitbox, a 1978 Buick Century I inherited from a girl who lived down the street. I was doing her the favor. Nonetheless, this is the car* that I drove from Boston to Seattle in 1991. It died once I got there, almost like the Blues Brothers movie.

 

*Not the actual car

Edited April 18, 2017 by maqroll

[Stevo985]

5 hours ago, wazzap24 said:

They tend to vary from manufacturer to manufacturer. 

A lot offer 'service plans', which do a job, but won't cover as much (generally) as a maintained deal from a leading leasing company. 

Tyres is normally a good example. A PCP 'service plan' won't include them, but a maintained packages from a leasing company will (and they normally include no quibble puncture replacements too). 

with insurance, I've only ever known this to be offered as a stand alone service provided by a third party and not actually insured as part of the deal from the manufacturer/dealer? And those don't tend to cover any 'shortfall' or 'gap' if you incur a write off and don't get enough back to cover the loss. 

I'm not saying you're wrong, products are always being updated, but I've not come across any PCP packages that provide the same levels of cover on either SMR or insurance. A lot of its all in the fine print. 

Out of interest, did your deal include breakdown and road tax for the whole term? If so that's pretty good as most only give you the first 12 months thrown in? was the insurance you were offered guaranteed for the whole term too? Again I've seen PCP deals with 12 months 'free' insurance, but not the duration of the contract? 

 

Mine included breakdown and tax for 3 years.

Don't know about insurance, can't remember. They definitely offered me some sort of insurance deal but i wasn't interested so can't remember if it was full term or not.

[darrenm]

17 hours ago, wazzap24 said:

Personally, I'd go direct to one of either Lex Autolease, Network/Leaseplan or Arval 

Those are the three biggest and tend to get the best deals, due to the amount of vehicles they buy each year. It's not always the case and it's worth doing plenty of looking around on line. 

Be careful with leasing comparison sites, they sometimes only have broker and dealer offerings - not direct deals from the leasing companies (a bit like some insurers, who deliberately don't advertise on comparison sites)

going via a broker can be ok,  but generally they have to build a margin in, over and above the rate you would get direct and they sometimes have additional 'documentation fees'. 

With any deal, it's all about the fine print and 'total cost' over the full term, including your initial payment.

a couple of biggies are your mileage allowance and return standards. You'll see a lot of 'good' deals based on 5k per year and a massive initial payment. They can still end up costing more overall than another that looks more expensive from a monthly payment perspective. Excess mileage charges can be a bitch on PCP and PCH deals if you aren't careful. 

Return standards are important. Leasing companies tend to work to an industry standard set by the BVRLA, which allows some tolerance for minor damage and will only charge you if it's over a certain amount. Dealer/Manufacturer deals sometimes stipulate 'retail' return conditions, which means they expect it to be returned in practically showroom standard. 

I've worked in the vehicle finance industry for over 15 years, I don't know everything about every deal/contract, but I would be happy to try and help answer any questions you have if you find yourself a deal 

My PCP is up in March next year but I'm getting itchy feet already. Now prices seem to have gone way up compared to when I got my car I'm looking at PCH. 

I've been watching SEAT Ateca prices on contracthireandleasing and I like the look of the 24 month, 6 months deposit for £285 a month for an Ateca 1.4 TSI xcellence DSG. The deposit is almost £2k but I've got that in equity with the current car and 2 years is about as long as I like to keep a car. This looks like it's through a broker but I can't see any reason why this would be a bad thing as long as you've factored all costs in?