The Volvo S90/V90 lease thread
Discussion
The Chevalier de Recci said:
If say, the cost is about £100 then would you buy a raffle ticket for £100 where the top prize is only £1250.
Most of my leases have had minimal up front payments so I never bothered to look into it until my previous one which was 9 up front. I spent a bit of time reading experiences people had where they had suffered a total loss and none of them that I found had to pay anything to the lease company. In all instances (that I found) the lease company and the insurer sorted it out between themselves and lease holder was left to pick up a new deal. As mentioned, it is possible to cover an up front payment as well as an add on to the basic cover but to me the risk vs the premium just did not measure up.
Just my opinions and based on no expertise other than time to kill and using google to search for others experiences.
I'm not worried about GAP as such and I'm on 1+23 so no problem with big upfront.Most of my leases have had minimal up front payments so I never bothered to look into it until my previous one which was 9 up front. I spent a bit of time reading experiences people had where they had suffered a total loss and none of them that I found had to pay anything to the lease company. In all instances (that I found) the lease company and the insurer sorted it out between themselves and lease holder was left to pick up a new deal. As mentioned, it is possible to cover an up front payment as well as an add on to the basic cover but to me the risk vs the premium just did not measure up.
Just my opinions and based on no expertise other than time to kill and using google to search for others experiences.
The issue for me is that the top prize (if I write the car off in the first week) is £3500 i.e. half of the £7k total lease cost which I would owe the lease company.
EvilGazebo said:
I'm not worried about GAP as such and I'm on 1+23 so no problem with big upfront.
The issue for me is that the top prize (if I write the car off in the first week) is £3500 i.e. half of the £7k total lease cost which I would owe the lease company.
Never seen that in any of the leases I have had. In the VWFS, MBFS and Lex schemes a total loss means the end of the agreement since after your insurer has paid out you are no longer leasing anything. Seems hard on the lease holder.The issue for me is that the top prize (if I write the car off in the first week) is £3500 i.e. half of the £7k total lease cost which I would owe the lease company.
EvilGazebo said:
Everyone says this but my terms say if the car is a write off then I owe Santander Finance half of the remaining payments. So £130 odd quid seems like a reasonable precaution?
No you wont owe santander half the remaining payments. The Finance act wont let them claim them if you have no car to rentsaaby93 said:
No you wont owe santander half the remaining payments. The Finance act wont let them claim them if you have no car to rent
This. The lease agreement says they agree to provide you with your specification of car for £x amount of money per month. If they can't do that, then your agreement ends. 
EvilGazebo said:
Never heard of anybody having to pay remaining payments on a totalled car. And just because it's in their terms and conditions doesn't make it legally binding. In essence they'd be getting paid twice for a car written off? Doesn't make sense. As far as I'm aware GAP protection wouldn't help with remaining payments anyway. It just covers the shortfall between what's paid from insurers and what's outstanding (or covering a sizeable up front payment).
dogdiego said:
Never heard of anybody having to pay remaining payments on a totalled car. And just because it's in their terms and conditions doesn't make it legally binding. In essence they'd be getting paid twice for a car written off? Doesn't make sense.
As far as I'm aware GAP protection wouldn't help with remaining payments anyway. It just covers the shortfall between what's paid from insurers and what's outstanding (or covering a sizeable up front payment).
There is a PCH specific version to do just that: As far as I'm aware GAP protection wouldn't help with remaining payments anyway. It just covers the shortfall between what's paid from insurers and what's outstanding (or covering a sizeable up front payment).
You may be right and it's unenforceable. But unless you're a solicitor specialising in contract law, I think I'll just spend the £120
EvilGazebo said:
There is a PCH specific version to do just that:
You may be right and it's unenforceable. But unless you're a solicitor specialising in contract law, I think I'll just spend the £120
Do you have a link to the one you’re buying? I’d like to take a look at it. Don’t think I’ll end up getting it but worth researching in to. You may be right and it's unenforceable. But unless you're a solicitor specialising in contract law, I think I'll just spend the £120
If you feel you must buy a GAP policy then the best way to play off the price matching offered by some of the main players was discussed at length a while back. Cut and pasted one of the relevant bits below. A colleague of mine used a similar approach and paid £58 in 2017 for GAP only no excess. I told him not to bother but he perhaps rightly thought that for £58 he would get it.
If you feel you must then you may as well get it at the best price.
Snipped from anothers posting some time back.........
I first got a quote with GAP123, - £129 for £10k cover over the 2 years with the deposit cover (£35)
I then got a quote with ALA for the same (without the deposit cover) - £115. £101.20 with the Piston12 code.
I then got a quote with Autoebid (run by Motorpocket) - The same cover - £10k 2 years came to £63.48.
I then got ALA over their livechat - quite hard to find, but I did, to pricematch the Motorpocket quote. This brought it down to £53.18 (as they price match, then reduce by 20%).
I then went back to GAP123 (as I really wanted the deposit cover). GAP123 on their website state they don't need to offer codes, as they are normally the cheapest.
I emailed them stating a rare case had occurred (the wording on their website referencing cheaper prices). I asked them to price match the £53.18.
They asked for evidence, of which I had emailed over to me by ALA.
GAP123 Price matched at £53. They also offered me an added service of deposit protection (I was going to ask if they can tack it onto the £53) - I thought it would then be a non-price-match-able price, as it's different services.
Anyway. GAP123 offered the £10k cover over 2 years, with the deposit protection for a total of £78.
If you feel you must then you may as well get it at the best price.
Snipped from anothers posting some time back.........
I first got a quote with GAP123, - £129 for £10k cover over the 2 years with the deposit cover (£35)
I then got a quote with ALA for the same (without the deposit cover) - £115. £101.20 with the Piston12 code.
I then got a quote with Autoebid (run by Motorpocket) - The same cover - £10k 2 years came to £63.48.
I then got ALA over their livechat - quite hard to find, but I did, to pricematch the Motorpocket quote. This brought it down to £53.18 (as they price match, then reduce by 20%).
I then went back to GAP123 (as I really wanted the deposit cover). GAP123 on their website state they don't need to offer codes, as they are normally the cheapest.
I emailed them stating a rare case had occurred (the wording on their website referencing cheaper prices). I asked them to price match the £53.18.
They asked for evidence, of which I had emailed over to me by ALA.
GAP123 Price matched at £53. They also offered me an added service of deposit protection (I was going to ask if they can tack it onto the £53) - I thought it would then be a non-price-match-able price, as it's different services.
Anyway. GAP123 offered the £10k cover over 2 years, with the deposit protection for a total of £78.
pobot said:
Collected mine yesterday. No options selected at all so still getting used to parking with no camera view.
Nice same exterior colour as mine I sometime wish I'd been braver and gone for the interior too but with young kids it would be filthy.There was one an identical demonstrator at the dealers to mine but with the upgraded wheels-suit it much better the bogo wheels look better when dirty IMO
Following on from my earlier post, the music files on my USB stick appear to be playing in alphabetical order. I thought I might have to rename the tracks, but after checking on my computer, all the tracks already include the track number (and disc number if multi-disc) in the name of the file. Therefore it must be sorting by the title from the id tag. I'm not sure how to get around that! Anyone got any ideas?
Picked up my V90 T5 CC a couple of weeks ago. No extra options because I'll only have it for the 18 month lease it feels like a rip-off to pay for any options. Slightly regretting not having the reversing camera, but managing fine so far...
Really happy with it overall, but has anyone else noticed that the stop/start & auto-brake-hold system is a bit crap, or is it just mine?
I've driven lots of cars with stop/start but this is the first one that I've ever noticed turning off the engine before I come to a stop. It sometimes (seems random) decides to turn the engine off when I'm braking and reach around 5mph, but then as soon as I come to a full stop it turns it back on again.
And the brake hold system sometimes takes a few seconds to activate after I stop - from previous (non-Volvo) cars I'm used to it being an instant thing when you stop and squeeze the brake pedal a bit. I keep forgetting, so I come to stop, squeeze the brake pedal, let go, and the car lurches forwards - and then sometimes after half a second of moving forward it remembers to activate and suddenly grabs the brakes.
Also sometimes during low speed maneuvering it CONSTANTLY grabs the brakes even though I'm gently touching the accelerator to crawl forward / reverse. I have had times where I'm basically reversing with the brakes applied because it refuses to let go of them unless I press the accelerator harder (which I can't do if I'm reversing into a tight space)
And if I come to a halt and put the car straight into Park, that obviously means I've parked up and I'm planning on staying stationary for a while - and yet it refuses to put either the brake hold or auto handbrake on - seems really silly.
Other than that, very happy with it. It's a lovely car to drive and you soon forget the size of it. I had a Mondeo before that always felt big and awkward - but in the V90 it's easy to forget how big it is (until you need to park).
Really happy with it overall, but has anyone else noticed that the stop/start & auto-brake-hold system is a bit crap, or is it just mine?
I've driven lots of cars with stop/start but this is the first one that I've ever noticed turning off the engine before I come to a stop. It sometimes (seems random) decides to turn the engine off when I'm braking and reach around 5mph, but then as soon as I come to a full stop it turns it back on again.
And the brake hold system sometimes takes a few seconds to activate after I stop - from previous (non-Volvo) cars I'm used to it being an instant thing when you stop and squeeze the brake pedal a bit. I keep forgetting, so I come to stop, squeeze the brake pedal, let go, and the car lurches forwards - and then sometimes after half a second of moving forward it remembers to activate and suddenly grabs the brakes.
Also sometimes during low speed maneuvering it CONSTANTLY grabs the brakes even though I'm gently touching the accelerator to crawl forward / reverse. I have had times where I'm basically reversing with the brakes applied because it refuses to let go of them unless I press the accelerator harder (which I can't do if I'm reversing into a tight space)
And if I come to a halt and put the car straight into Park, that obviously means I've parked up and I'm planning on staying stationary for a while - and yet it refuses to put either the brake hold or auto handbrake on - seems really silly.
Other than that, very happy with it. It's a lovely car to drive and you soon forget the size of it. I had a Mondeo before that always felt big and awkward - but in the V90 it's easy to forget how big it is (until you need to park).
fly said:
Really happy with it overall, but has anyone else noticed that the stop/start & auto-brake-hold system is a bit crap, or is it just mine?
I've driven lots of cars with stop/start but this is the first one that I've ever noticed turning off the engine before I come to a stop. It sometimes (seems random) decides to turn the engine off when I'm braking and reach around 5mph, but then as soon as I come to a full stop it turns it back on again.
And the brake hold system sometimes takes a few seconds to activate after I stop - from previous (non-Volvo) cars I'm used to it being an instant thing when you stop and squeeze the brake pedal a bit. I keep forgetting, so I come to stop, squeeze the brake pedal, let go, and the car lurches forwards - and then sometimes after half a second of moving forward it remembers to activate and suddenly grabs the brakes.
Also sometimes during low speed maneuvering it CONSTANTLY grabs the brakes even though I'm gently touching the accelerator to crawl forward / reverse. I have had times where I'm basically reversing with the brakes applied because it refuses to let go of them unless I press the accelerator harder (which I can't do if I'm reversing into a tight space)
And if I come to a halt and put the car straight into Park, that obviously means I've parked up and I'm planning on staying stationary for a while - and yet it refuses to put either the brake hold or auto handbrake on - seems really silly.
Has yours had the April gearbox and software update? I have seen on here that a couple of people have mentioned they were much happier after getting it done and had certainly solved issues regarding approaching junctions - just wondering if it also rectified some of what you are experiencing too? I've driven lots of cars with stop/start but this is the first one that I've ever noticed turning off the engine before I come to a stop. It sometimes (seems random) decides to turn the engine off when I'm braking and reach around 5mph, but then as soon as I come to a full stop it turns it back on again.
And the brake hold system sometimes takes a few seconds to activate after I stop - from previous (non-Volvo) cars I'm used to it being an instant thing when you stop and squeeze the brake pedal a bit. I keep forgetting, so I come to stop, squeeze the brake pedal, let go, and the car lurches forwards - and then sometimes after half a second of moving forward it remembers to activate and suddenly grabs the brakes.
Also sometimes during low speed maneuvering it CONSTANTLY grabs the brakes even though I'm gently touching the accelerator to crawl forward / reverse. I have had times where I'm basically reversing with the brakes applied because it refuses to let go of them unless I press the accelerator harder (which I can't do if I'm reversing into a tight space)
And if I come to a halt and put the car straight into Park, that obviously means I've parked up and I'm planning on staying stationary for a while - and yet it refuses to put either the brake hold or auto handbrake on - seems really silly.
Hopefully they will see this and be able to confirm or deny this - I would've assumed it would've had the latest updatse before you received it though...but you never know if it might've been missed.
fly said:
It sometimes (seems random) decides to turn the engine off when I'm braking and reach around 5mph, but then as soon as I come to a full stop it turns it back on again
Mine does this. I find it restarts if I press the brake too lightly i.e it thinks I’m about to set off again. Give it a slightly harder push to engage the auto hold. Annoying as it spoils the refinement. fly said:
Also sometimes during low speed maneuvering it CONSTANTLY grabs the brakes even though I'm gently touching the accelerator to crawl forward / reverse. I have had times where I'm basically reversing with the brakes applied because it refuses to let go of them unless I press the accelerator harder (which I can't do if I'm reversing into a tight space
This happens too when auto hold is on. I turn auto hold off for slow manoeuvring so that it gently creeps. Annoying, I often forget to switch it on again. fly said:
And if I come to a halt and put the car straight into Park, that obviously means I've parked up and I'm planning on staying stationary for a while - and yet it refuses to put either the brake hold or auto handbrake on - seems really silly.
I thought this only happened when auto hold is switched off.
Gassing Station | Volvo & Polestar | Top of Page | What's New | My Stuff