Help a lady out please

[MissHarper]

So my daughter aged 27 has just passed her test. She wants a pcp on a yaris hybrid and was hoping for a budget of 200 a month...is this achievable please? Also is having black box insurance the cheapest? Thanks in advance.

[DorsetSparky]

MissHarper said:

So my daughter aged 27 has just passed her test. She wants a pcp on a yaris hybrid and was hoping for a budget of 200 a month...is this achievable please? Also is having black box insurance the cheapest? Thanks in advance.

It's an odd world when a 27-year old firstly, has just passed their test and secondly, requires their parents to find out answers to basic questions. I really can't understand that mentality whatsoever.

[MissHarper]

Odd world where kindness and support are seen as flaws

[DorsetSparky]

MissHarper said:

Odd world where kindness and support are seen as flaws

You misunderstand me. My parents offer me kindness and support but I'm able to make basic purchasing decisions without involving them, as most other adults would.

However, to answer the original question, any PCP amount technically would be possible as it directly correlates to how much deposit one puts down as part of the scheme.

I'd also try the usual comparison sites and see what comes out cheapest/top rated. It may be beneficial to have a black box, maybe not, but I'd probably be guided by the usual Confused/Compare The Market etc.

[M4cruiser]

MissHarper said:

So my daughter aged 27 has just passed her test. She wants a pcp on a yaris hybrid and was hoping for a budget of 200 a month...is this achievable please? Also is having black box insurance the cheapest? Thanks in advance.

You need to consider the costs of everything, not just the monthly PCP repayment
- PCP (or any similar "leasing" or "delayed purchase" scheme): Initial deposit, interest rate, number of repayments, final payment;
(i.e. the higher the initial deposit, the lower the monthly; similarly the longer the term the lower the monthly);
- Road Tax (or VED, or whatever it's called this week);
- Insurance (this could be big for a new driver);
- Fuel;
- Servicing & repairs.

[tumble dryer]

This thread may be useful. https://www.pistonheads.com/gassing/topic.asp?h=0&...

[Scootersp]

googling "pcp on a yaris hybrid" brings up this one of the 'deals'

https://www.carwow.co.uk/deals/toyota/yaris?utm_so...


£4,233 deposit £216 per month, so £7,803 over 3 years so near as damn it £12K to own for 3 years and 24K miles at which point she;ll have to find/finance £10,500 to buy it/continue to own it or will be offered another deal.

She could try and finance a 2022 model for similar cost to the above but would own it outright at the 3 years. I suspect a 3-6 year old yaris will be as reliable as a 0-3 year old one, that's what I'd advise if she wants a new/newish car

[Easternlight]

To try and be helpful.
I would have thought having a brand new car on PCP was a bit ambitious for a new driver.
The odds of her doing a fair bit of damage to it in the first years are rather high sadly.

Maybe at 27 she has a decent income and doesn't need to worry too much?

You could get something half tidy for the amount she needs to put down to get those payments and not have to worry about it much.

[Mikebentley]

Scootersp said:

googling "pcp on a yaris hybrid" brings up this one of the 'deals'

https://www.carwow.co.uk/deals/toyota/yaris?utm_so...


£4,233 deposit £216 per month, so £7,803 over 3 years so near as damn it £12K to own for 3 years and 24K miles at which point she;ll have to find/finance £10,500 to buy it/continue to own it or will be offered another deal.

She could try and finance a 2022 model for similar cost to the above but would own it outright at the 3 years. I suspect a 3-6 year old yaris will be as reliable as a 0-3 year old one, that's what I'd advise if she wants a new/newish car

^^^^ very much this.
Get a 3 yr old one with full service history for similar payments, get it serviced every year at Toyota and warranty will be 10 yrs I believe. Bought my 17 yr old son a 2018 Fiat 500 last year. Passed test in June 2025 so then needed his own insurance and it was £500 Hastings online with black box and basic policy. I ended up paying £1k but this was purely by choice and got him everything covered, breakdown , legal cover, hire car and increased cover for passengers up to £100k each as he is a new driver. The last bit is a bit extreme though as he doesn’t carry his mates around and uses the car to drive to school and rowing.

[MissHarper]

Mikebentley said:

^^^^ very much this.
Get a 3 yr old one with full service history for similar payments, get it serviced every year at Toyota and warranty will be 10 yrs I believe. Bought my 17 yr old son a 2018 Fiat 500 last year. Passed test in June 2025 so then needed his own insurance and it was £500 Hastings online with black box and basic policy. I ended up paying £1k but this was purely by choice and got him everything covered, breakdown , legal cover, hire car and increased cover for passengers up to £100k each as he is a new driver. The last bit is a bit extreme though as he doesn t carry his mates around and uses the car to drive to school and rowing.

So 2022 onwards only ? Do you recommend anywhere to look please. Ill tell her to look on Hastings thank you!

[Gnevans]

Try

Broadspeed

Leaseloco

[lvolvo]

Black box insurance would probably be the cheapest, but could you not just get a quote? Depends when the car starts to depreciate and how long she is prepared to be locked in the agreement before recovering some of the cars value.

[SydneyBridge]

A new one may work out cheaper monthly, with a balloon/final payment. Do any manufacturers do free insurance deals nowadays

[lvolvo]

lvolvo said:

Black box insurance would probably be the cheapest, but could you not just get a quote? Depends when the car starts to depreciate and how long she is prepared to be locked in the agreement before recovering some of the cars value.

Having looked online for something similar I’d say that is quite a large financial commitment for their first car, but they are a bit older to be fair. Surely get a used car? One purchase and then maintenance costs which could easily be quite low if she is considering the initial deposit of the pcp deal (if it has one) + mot. (which you could get on warranty from some dealers)

[bennno]

MissHarper said:

So my daughter aged 27 has just passed her test. She wants a pcp on a yaris hybrid and was hoping for a budget of 200 a month...is this achievable please? Also is having black box insurance the cheapest? Thanks in advance.

Does she have a £500 or £10000 deposit, will she do 3k miles per year or 30,000?

Lease perhaps better, she’d get a new Aygo or Fiat Grande Panda for that budget…..

https://www.selectcarleasing.co.uk/car-leasing/bud...

[ZX10R NIN]

How many miles will she be doing per year?

Other options are to buy a used car that she'll actually own after 3 years.

Kia Picanto:

https://www.autotrader.co.uk/car-details/202508155...

i20 hybrid:

https://www.autotrader.co.uk/car-details/202508255...

https://www.autotrader.co.uk/car-details/202509015...

Kia Rio:

https://www.autotrader.co.uk/car-details/202509096...

Mazda2:

https://www.autotrader.co.uk/car-details/202509066...

Clio e Tech:

https://www.autotrader.co.uk/car-details/202509206...

https://www.autotrader.co.uk/car-details/202505132...

[g40steve]

Get a quote for the Puma Gen E, that’s available on 1X23 £149 still.

[bennno]

g40steve said:

Get a quote for the Puma Gen E, that s available on 1X23 £149 still.

Great idea, apart from not knowing if an electric car suits her use, or if home charging is possible.

Too little info here to provide meaningful guidance

[ThingsBehindTheSun]

Scootersp said:

£4,233 deposit £216 per month, so £7,803 over 3 years so near as damn it £12K to own for 3 years and 24K miles at which point she;ll have to find/finance £10,500 to buy it/continue to own it or will be offered another deal.

£22,500 to own a Toyota Yaris, the world has gone mad. I have driven sheds for the last 20 years, every now and then I think "wouldn't it be nice to drive a brand new car".

I think I will stick with my sheds.

[Vsix and Vtec]

Given she's statistically most likely to have an accident in her first car, would it not be prudent to get the "risky" years out the way in something less expensive? Buy her a 10 year old Honda Civic 1.4 or a Jazz. It won't cost much in fuel or maintenance, it's safe and easy to drive. Plus when the accident happens there's thousands of them out there to buy a replacement bumper or wheel from the scrapyard.