Lease: £350 pcm inc. Insurance.

[Blib]

I know nothing about what lease deals are out there........hopefully the PH massive will come through with some suggestions.

A friend is looking for a "small", Golf/A3/Focus sized car. Two or preferably four door.

She'd like something "stylish" and a bit sporty looking. She doesn't want diesel but would like good mileage from mostly London suburban trips.

She has NO no claim bonus of her own. So, she thought that an "all in", pay your monthly amount and drive away kind of deal would be the most suitable.

Any suggestions?

Thanks.

[Gareth1974]

I'm not aware of any lease deals that include insurance. Peugeot do something called "just add fuel" on their PCP deals, which includes insurance, which might be the kind of thing you're after perhaps?

[Blib]

Gareth1974 said:

I'm not aware of any lease deals that include insurance. Peugeot do something called "just add fuel" on their PCP deals, which includes insurance, which might be the kind of thing you're after perhaps?

Yes that kind of thing. Ad I said I'm not up with these kind of deals. I had assumed Peugeot's offerings was a "lease"

[Mandat]

Blib said:

Yes that kind of thing. Ad I said I'm not up with these kind of deals. I had assumed Peugeot's offerings was a "lease"

I don't know the full details, but I believe that the Peugeot deal is a lease, on the basis that the small print says that you will not own the vehicel at the end of the term, therefore precluding it being a PCP.

[Gareth1974]

Mandat said:

Blib said:

Yes that kind of thing. Ad I said I'm not up with these kind of deals. I had assumed Peugeot's offerings was a "lease"

I don't know the full details, but I believe that the Peugeot deal is a lease, on the basis that the small print says that you will not own the vehicel at the end of the term, therefore precluding it being a PCP.

You can purchase your brand new Peugeot~ through Just Add Fuel® but the great news doesn’t stop there. It’s also available to drivers aged 18 and over on five of our most popular models: 108, 208**, 2008 SUV, 308^ and 308 SW^ - with the addition of a telematics device.

Just Add Fuel® is an innovative finance package from Peugeot which includes ALL of the following :
•THREE YEARS INSURANCE* - FOR UP TO THREE DRIVERS - WITH NO CURFEWS
•THREE YEARS WARRANTY
•THREE YEARS SERVICING
•THREE YEARS CAR TAX
•THREE YEARS ROADSIDE ASSISTANCE

All for one easy, and more importantly, fixed monthly payment. No need for multiple direct debits. All you have to do is add fuel and go!

Discover how Just Add Fuel® works with our helpful video guide. Click the “Play” button above to watch.

• Excesses, limits on age, convictions/claims apply. Telematics Box, consent to Data capture and transmission required. Insurance subject to cancellation for four warnings for poor driving. Motor insurance is provided and underwritten by U K Insurance Limited. Peugeot Motor Company PLC is a credit broker not a lender and will only introduce you to PSA Finance UK Ltd., the exclusive provider of Just Add Fuel®. Personal Contract Purchase over 37 months. Finance subject to status. Guarantee may be required. Finance provided by PSA Finance UK Ltd, RH1 1QA. Terms and conditions apply.

[Blib]

Thank you.



Anything else interesting around at £350? Not necessarily insurance included as she may be able to get some extra funds for insurance.

[kieranblenk]

Citroen/DS do their Simplydrive scheme which covers insurance too just like the Peugeot deal and works in a similar fashion. A DS3 or Citroen Cactus Puretech would fit the bill on the scheme.

[Blib]

kieranblenk said:

Citroen/DS do their Simplydrive scheme which covers insurance too just like the Peugeot deal and works in a similar fashion. A DS3 or Citroen Cactus Puretech would fit the bill on the scheme.

Ooh one of those could fit the bill. Thanks for that.

[Blib]

She likes the BMW 1 series or Mercedes A class. Can anyone point her towards something by them?

[duckson]

Leon Cupra 300 @ £259 a month (1+23)? (IMG Warrington Seat, although other Seat dealers may match).
Sporty, ok-ish on fuel.

Depends what the insurance would be of course.

[filski666]

you need to look on this thread for lease deals (not including insurance)

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Also this is a good place to compare deals:

https://www.contracthireandleasing.com/personal/ca...

and special offers here:

https://centralukvehicleleasing.co.uk/special-offe...

but £350 is a huge amount for a lease car - you can get a good car from £100 pcm (depending on mileage) leaving plenty over to get insurance.

I am looking at £330 a month for an S4!

[Blib]

Thanks for the suggestions. Looks like she has quite a choice..

[RacerMDR]

I'm sure it's been done to death but I still just don't get it!

I actually want to lease a car.........but it just doesn't work. Anything decent is very expensive to lease.

Someone please help me understand why it isn't just pay all the depreciation of the car and get nothing at the end?

[Gareth1974]

RacerMDR said:

Someone please help me understand why it isn't just pay all the depreciation of the car and get nothing at the end?

A good lease deal should give you this, and in a typical year there are plenty of deals which would work out better than this, especially if you factor in that the lease will normally include things like road fund licence that you'd otherwise have to pay yourself.

[RacerMDR]

Gareth1974 said:

RacerMDR said:

Someone please help me understand why it isn't just pay all the depreciation of the car and get nothing at the end?

A good lease deal should give you this, and in a typical year there are plenty of deals which would work out better than this, especially if you factor in that the lease will normally include things like road fund licence that you'd otherwise have to pay yourself.

but, without being rude...........it seems only for shopping cars? Anything nice - seems to be twelvty million quid a month plus a big deposit..........?

by nice I don't mean Italian Supercar............even things like a Discovery

I can't quite get it. I must be wrong, because loads of people do it.

I looked at an Abarth Spider thing - it was way cheaper to buy it than lease...........

Especially if you factor in getting one a year old............still immaculate.

My friend just bought a year old Fiat 500 (and was originally trying to get a lease)

The difference in numbers made the lease deal totally un'doable.

I can't remember exactly what they were - but she is early hundreds per month, with zero deposit, the car was over 5k less than a new one, under a year old, with 7k miles on it.

I' had a really good look around it..............so for her 5k saving she has 2 stone chips in bonnet, a little mark on roof lining and 7k on the clock

[Gareth1974]

RacerMDR said:

Gareth1974 said:

RacerMDR said:

Someone please help me understand why it isn't just pay all the depreciation of the car and get nothing at the end?

A good lease deal should give you this, and in a typical year there are plenty of deals which would work out better than this, especially if you factor in that the lease will normally include things like road fund licence that you'd otherwise have to pay yourself.

but, without being rude...........it seems only for shopping cars? Anything nice - seems to be twelvty million quid a month plus a big deposit..........?

by nice I don't mean Italian Supercar............even things like a Discovery

I can't quite get it. I must be wrong, because loads of people do it.

I looked at an Abarth Spider thing - it was way cheaper to buy it than lease...........

Especially if you factor in getting one a year old............still immaculate.

My friend just bought a year old Fiat 500 (and was originally trying to get a lease)

The difference in numbers made the lease deal totally un'doable.

I can't remember exactly what they were - but she is early hundreds per month, with zero deposit, the car was over 5k less than a new one, under a year old, with 7k miles on it.

I' had a really good look around it..............so for her 5k saving she has 2 stone chips in bonnet, a little mark on roof lining and 7k on the clock

There have been some very good deals on desirable cars, but the deals aren't available every day of the year. At the moment, a 2 year lead on an Audi S4 is around £10k. My wife has a mk 7.5 Golf GTi, that was £5700 for 2 years. Of the cars you mention, this year there have been really good deals on the Fiat 500 Abarth, and similar to the Fiat Spyder, Mazda MX5.

PCPs though are a different matter, these often do work out more than buying the car outright.

[codenamecueball]

RacerMDR said:

I'm sure it's been done to death but I still just don't get it!

I actually want to lease a car.........but it just doesn't work. Anything decent is very expensive to lease.

Someone please help me understand why it isn't just pay all the depreciation of the car and get nothing at the end?

Because the best lease deals are where you pay less than the depreciation would have been had you paid cash.

[RacerMDR]

codenamecueball said:

Because the best lease deals are where you pay less than the depreciation would have been had you paid cash.

ok.......on anything good? So it only works if you want a brand new car and are happy to lose the VAT and Depreciation over a couple of years.

[Gareth1974]

RacerMDR said:

codenamecueball said:

Because the best lease deals are where you pay less than the depreciation would have been had you paid cash.

ok.......on anything good? So it only works if you want a brand new car and are happy to lose the VAT and Depreciation over a couple of years.

It can be cheaper than a used car too. You'd expect a used car to depreciate less than a new one, but equally your new car will have all new parts, tyres, comprehensive warranty, normally breakdown cover, etc.... whereas your used car will probably throw up more bills. Factor all these things together and the lease '"may" still win.

[Blib]

Back on track.....

Any BMW, Mercedes or Audi dealers reading this? Do you have anythi g that fits the bill? With or without insurance?

I bought a fiat 500 from a dealer chap who just happened to read a random post of mine and took a punt with a PM....