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Non GAA Discussion => General discussion => Topic started by: Dinny Breen on March 06, 2018, 11:56:22 AM
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I am a luddite when it comes to cars, it's always just about getting from A to B but thinking about buying a new car so looking for advice..
Thinking SUV or Station Wagon. I coach football and rugby so on the go all year with balls, cones bibs etc. Also have 2 young kids and a dog, so even weekends away require lots of bags.
So really looking for a good sized car/SUV, nice spec but crucially good value to run and maintain.
So if anyone has any suggestions or can point me towards a website it will be much appreciated.
Also is PCP finance a viable option?
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Stay away from PCP.
Why take out this sort of finance deal on a product that will deprecate so fast.
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Stay away from PCP.
Why take out this sort of finance deal on a product that will deprecate so fast.
Does that not apply to any finance deal with regards to new cars, it's a product that depreciates as soon as it leaves the forecourt. You could send 20K cash and in a month it's worth €19500.
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I've a Ford Kuga and love it. Good big boot and not bad on fuel. Mine is a 2.0 litre but I see they are doing a 1.5 now also which should be better on fuel.
Great spec on them aswell.
If I was changing car in the morning though I'd probably go for the new Skoda Kodiaq.
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Kuga was on my radar, yea don't need a big engine so 1.5 would be good. Will check out the Skoda Kodiaq. Cheers
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Depending how young the kids are Dinny consider the leather upgrade interior on a car. The shit they leave behind on a cloth upholstery is just never gonna come out.
Not sure if Toyota are doing much business over there but they’re the absolute leader here from a resale point of value. Was shown a highlander recently and it had a lot going for it on the inside, outside just wasn’t what I was looking for.
That skoda looks nicely set up as well.
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Kuga was on my radar, yea don't need a big engine so 1.5 would be good. Will check out the Skoda Kodiaq. Cheers
Would concur with Laoislad on the Kodiak - fine looking vehicle.
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In a similar situation but maybe not going "new" new.
Skoda maybe a bit too recent. Herself has picked out a Hyundai Tuscon. It's a 1.7 Diesel and seems to be well specced. Planning a test drive in coming days.
Honda CRV is also on the agenda but pricey enough.
/Jim.
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In a similar situation but maybe not going "new" new.
Skoda maybe a bit too recent. Herself has picked out a Hyundai Tuscon. It's a 1.7 Diesel and seems to be well specced. Planning a test drive in coming days.
Honda CRV is also on the agenda but pricey enough.
/Jim.
Wife also needs a new car and definitely not buying new. 7 seats and grey or silver is the spec she has issued ::)
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In a similar situation but maybe not going "new" new.
Skoda maybe a bit too recent. Herself has picked out a Hyundai Tuscon. It's a 1.7 Diesel and seems to be well specced. Planning a test drive in coming days.
Honda CRV is also on the agenda but pricey enough.
/Jim.
Wife also needs a new car and definitely not buying new. 7 seats and grey or silver is the spec she has issued ::)
We have already a 7 seater with Toyota Verso. With 4 kids it's not really practical for long journeys. No one wants to sit in back two seats and you have damn all boot.
For long journeys with any kind of luggage we have to take 2 cars. It's worth considering about that if going for 7 seater.
/Jim.
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I have the Toyota Rav 4 and I love it 2 years now and no problems at all plenty of room and a reasonable price!
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I've a Subaru Outback. Superb car. The all wheel drive is fairly handy too when you've got the conditions you've had in Ireland over the past week!
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In a similar situation but maybe not going "new" new.
Skoda maybe a bit too recent. Herself has picked out a Hyundai Tuscon. It's a 1.7 Diesel and seems to be well specced. Planning a test drive in coming days.
Honda CRV is also on the agenda but pricey enough.
/Jim.
Wife also needs a new car and definitely not buying new. 7 seats and grey or silver is the spec she has issued ::)
I've a Kia Carens 7 seater and its spotty dog for the day to day stuff with all the crew it in (5 kids from 12 down), but no boot of any great significance which can be a problem when taking a double buggy anywhere.
The Hyundai Santa Fe is a good yolk but pricier.
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I have the Toyota Rav 4 and I love it 2 years now and no problems at all plenty of room and a reasonable price!
Same here.
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I have the Toyota Rav 4 and I love it 2 years now and no problems at all plenty of room and a reasonable price!
Same here.
Been looking at a similar thing myself, SUV of some sort, lookinga t maybe a 2014/2015 or so.
driven the sportage,Qashqai,rav4 & hyundi ix35 . personally prefer the qashqai or the rave 4. the rav 4 would be my pick, but a good bit pricier for the top spec ones.
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myself and the just got a pair of ranges rovers . loads of room and much better than last years models, tax is a bit pricy though
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I got my wife one of the new model VW Tiguan TDI. Great wee SUV. Plenty of room and great spec.
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I have the Toyota Rav 4 and I love it 2 years now and no problems at all plenty of room and a reasonable price!
Same here.
Been looking at a similar thing myself, SUV of some sort, lookinga t maybe a 2014/2015 or so.
driven the sportage,Qashqai,rav4 & hyundi ix35 . personally prefer the qashqai or the rave 4. the rav 4 would be my pick, but a good bit pricier for the top spec ones.
Anyone any experience of getting one of these brought over from england to the north?
seem a good bit cheaper over there.
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Have a look at kia Sorrento. Serious kit built in and a very nice machine
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Going to look at a Jeep Cherokee this evening, after being stranded in the house from last Wednesday night until this morning I’m getting a 4x4.
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Going to look at a Jeep Cherokee this evening, after being stranded in the house from last Wednesday night until this morning I’m getting a 4x4.
Don't touch with a barge pole.
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The Cherokee (and most jeeps) get triaged for durability and repairs needed down the line.
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myself and the just got a pair of ranges rovers . loads of room and much better than last years models, tax is a bit pricy though
Plenty of money out west.
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Going to look at a Jeep Cherokee this evening, after being stranded in the house from last Wednesday night until this morning I’m getting a 4x4.
You are going to by a 4x4 based on an event thst happens once every 10 years or so?
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
Yes but fewer around.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
Kia Sorrento and Mitsubishi outlander are reasonable and can be got in 4x4. There not for farmers but might be a decent compromise.
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I see you can get manual 4wd Nissan X Trails, anyone any experience of these?
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I see you can get manual 4wd Nissan X Trails, anyone any experience of these?
Fella in work has one. I've had a few spins in it and its a nice car with plenty of kit in it for the dough.
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Good place to compare vehicles is www.parkers.co.uk.
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why would you not go for an estate?
mondeo?
hyundai i40
avensis
I don't get the obsession with these SUVs
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
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I was looking at electric cars. Currently the cost of charging is considerably lower than petrol and the engines are a lot simpler so last longer - 2.5 times longer was quoted. The price would need need to come down though.
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I was looking at electric cars. Currently the cost of charging is considerably lower than petrol and the engines are a lot simpler so last longer - 2.5 times longer was quoted. The price would need need to come down though.
The price will come down but too expensive for me to justify the cost.
Seems like a golden era for Cars except for Jeep Cherokee. Will be busy for the next few weeks.
Good place to compare vehicles is www.parkers.co.uk.
Will check that out.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
She who must be obeyed needs a kick up the arse then Harold
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Get her an auto, make her drive it for a few weeks. After she gets used to it she will never want a manual again.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Yes, she had a BMW auto for a while and hated it. Said it was grand for motorway driving but found it poor for short trips and town/city driving. I’ve never really driven one so can’t comment.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Yes, she had a BMW auto for a while and hated it. Said it was grand for motorway driving but found it poor for short trips and town/city driving. I’ve never really driven one so can’t comment.
Women......strange creatures.
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On the lookout for something with 7 seats myself, thinking about Hyuandai Sante Fe or Kia Sorrento.
Is there anything else I should consider?
Had thought about the Discovery Sport but Ive heard too many horror stories about Land Rovers so Ill give them a miss.
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On the lookout for something with 7 seats myself, thinking about Hyuandai Sante Fe or Kia Sorrento.
Is there anything else I should consider?
Had thought about the Discovery Sport but Ive heard too many horror stories about Land Rovers so Ill give them a miss.
I had a BMW X5 with 7 seats. Looked great and had fantastic spec. Only down side was the poor MPG.
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On the lookout for something with 7 seats myself, thinking about Hyuandai Sante Fe or Kia Sorrento.
Is there anything else I should consider?
Had thought about the Discovery Sport but Ive heard too many horror stories about Land Rovers so Ill give them a miss.
I had a BMW X5 with 7 seats. Looked great and had fantastic spec. Only down side was the poor MPG.
The road tax on a X5 must be a good bit north of £500 per year now!
They've also got a bad reputation for tyre wear, have you noticed that.
Was looking at bringing a high spec VW Touareg over from England a few years back but my local mechanic put me off as he said even changing the filter was a nightmare.
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the whole benefit of an automatic car is for town driving! That's mad that your Mrs thought the auto was great on the motor ways which is where it doesn't really add any benefit..... anyways
The mini van / people carrier is the way to go with a big family. All the seats and a big boot. There's not an SUV on the market that can come close in boot space. They don't look the best but you can get over that with the comfort and practicality of the car. Prams, bags, sports stuff...all fit in there.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Yes, she had a BMW auto for a while and hated it. Said it was grand for motorway driving but found it poor for short trips and town/city driving. I’ve never really driven one so can’t comment.
Jeez, driving in traffic is what really makes an auto stand out for me. If you are stuck in traffic for 30 mins, driving 50 metres every minute type of thing, then the auto is way less tiring and stressful. But each to their own!
Dinny, I wouldnt believe the stories about the Jeep Cherokee. I really like the look of it (esp the Grand), and I'd imagine the bad stories are from years ago.
Likewise, someone else mentioned Landrover's being bad. I've a mate who loves his Discovery Sport, can't speak more highly about it. There's so many of them about I can't believe they are a bad car.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Yes, she had a BMW auto for a while and hated it. Said it was grand for motorway driving but found it poor for short trips and town/city driving. I’ve never really driven one so can’t comment.
Jeez, driving in traffic is what really makes an auto stand out for me. If you are stuck in traffic for 30 mins, driving 50 metres every minute type of thing, then the auto is way less tiring and stressful. But each to their own!
Dinny, I wouldnt believe the stories about the Jeep Cherokee. I really like the look of it (esp the Grand), and I'd imagine the bad stories are from years ago.
Likewise, someone else mentioned Landrover's being bad. I've a mate who loves his Discovery Sport, can't speak more highly about it. There's so many of them about I can't believe they are a bad car.
I do like the look of it too but genuinely haven't a clue but will see what the research says. Will it take one for a test drive.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Yes, she had a BMW auto for a while and hated it. Said it was grand for motorway driving but found it poor for short trips and town/city driving. I’ve never really driven one so can’t comment.
I would say the complete opposite. Town driving is perfect for automatics. Cruising on a motorway is ideal for a manual.
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do not buy a new car and avoid finance at all costs, complete rip off
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I would say the complete opposite. Town driving is perfect for automatics. Cruising on a motorway is ideal for a manual.
Accelerating is where a manual is more enjoyable IMO. Cruising and decelerating I'd prefer auto. And of course the stop/start traffic and town stuff.
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On the lookout for something with 7 seats myself, thinking about Hyuandai Sante Fe or Kia Sorrento.
Is there anything else I should consider?
Had thought about the Discovery Sport but Ive heard too many horror stories about Land Rovers so Ill give them a miss.
I had a BMW X5 with 7 seats. Looked great and had fantastic spec. Only down side was the poor MPG.
The road tax on a X5 must be a good bit north of £500 per year now!
They've also got a bad reputation for tyre wear, have you noticed that.
Was looking at bringing a high spec VW Touareg over from England a few years back but my local mechanic put me off as he said even changing the filter was a nightmare.
Rented an X3 with 150 miles on the clock in Scotland , Got a puncture before I hit 200 miles . Runflat tires TG but no spare , I could not get a spare between Inverness and Glasgow airport abd even if I had it would have been £400 to replace,
Kinds put iff the X series a bit
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On the lookout for something with 7 seats myself, thinking about Hyuandai Sante Fe or Kia Sorrento.
Is there anything else I should consider?
Had thought about the Discovery Sport but Ive heard too many horror stories about Land Rovers so Ill give them a miss.
I had a BMW X5 with 7 seats. Looked great and had fantastic spec. Only down side was the poor MPG.
The road tax on a X5 must be a good bit north of £500 per year now!
They've also got a bad reputation for tyre wear, have you noticed that.
Was looking at bringing a high spec VW Touareg over from England a few years back but my local mechanic put me off as he said even changing the filter was a nightmare.
Rented an X3 with 150 miles on the clock in Scotland , Got a puncture before I hit 200 miles . Runflat tires TG but no spare , I could not get a spare between Inverness and Glasgow airport abd even if I had it would have been £400 to replace,
Kinds put iff the X series a bit
Plus they are pointless and they are ugly as sin. Other than that great job ;D
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
What’s the reason for her not wanting an auto？
Has she driven a decent auto before?
Yes, she had a BMW auto for a while and hated it. Said it was grand for motorway driving but found it poor for short trips and town/city driving. I’ve never really driven one so can’t comment.
Jeez, driving in traffic is what really makes an auto stand out for me. If you are stuck in traffic for 30 mins, driving 50 metres every minute type of thing, then the auto is way less tiring and stressful. But each to their own!
Dinny, I wouldnt believe the stories about the Jeep Cherokee. I really like the look of it (esp the Grand), and I'd imagine the bad stories are from years ago.
Likewise, someone else mentioned Landrover's being bad. I've a mate who loves his Discovery Sport, can't speak more highly about it. There's so many of them about I can't believe they are a bad car.
I do like the look of it too but genuinely haven't a clue but will see what the research says. Will it take one for a test drive.
Had a look at a Jeep Cherokee last night, it is a very nice vehicle, the only drawback is that is has a quite small boot.
I’m going to check out a 2017 Nissan X Trail 1.6 DCI N-Vision 5dr 4WD this evening, it has low mileage and is quite reasonably priced.
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do not buy a new car and avoid finance at all costs, complete rip off
Buy new and deal hard... nothing like collection day for a new car ;D
On another note if you a looking for a new sporty saloon with a big boot, the new M5 is quite phenomenal :)
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do not buy a new car and avoid finance at all costs, complete rip off
Buy new and deal hard... nothing like collection day for a new car ;D
On another note if you a looking for a new sporty saloon with a big boot, the new M5 is quite phenomenal :)
If you need a big boot I would recommend an Audi RS6 Avante.
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I brought a second hand car in from the UK recently. More hassle and either you or someone else needs to know a bit about cars but excellent value even when you factor in VRT, flight, ferry etc. I even got a warranty that's effective over here. I think in NI the cross border factor is priced in so cars aren't as good value.
PCP is very expensive. You're paying a high premium for certainty in regards anything going wrong and of course the removal of hassle of resale or getting done on a trade in.
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The car I bought up North was the same price as similar in England. It was less than 1 year old, so maybe that made a difference.
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do not buy a new car and avoid finance at all costs, complete rip off
Buy new and deal hard... nothing like collection day for a new car ;D
On another note if you a looking for a new sporty saloon with a big boot, the new M5 is quite phenomenal :)
If you need a big boot I would recommend an Audi RS6 Avante.
If you need a big boot and a reliable, cheap to run car, look no further than the Skoda Superb. High end spec without the luxury price tag.
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On the lookout for something with 7 seats myself, thinking about Hyuandai Sante Fe or Kia Sorrento.
Is there anything else I should consider?
Had thought about the Discovery Sport but Ive heard too many horror stories about Land Rovers so Ill give them a miss.
I had a BMW X5 with 7 seats. Looked great and had fantastic spec. Only down side was the poor MPG.
The road tax on a X5 must be a good bit north of £500 per year now!
They've also got a bad reputation for tyre wear, have you noticed that.
Was looking at bringing a high spec VW Touareg over from England a few years back but my local mechanic put me off as he said even changing the filter was a nightmare.
Rented an X3 with 150 miles on the clock in Scotland , Got a puncture before I hit 200 miles . Runflat tires TG but no spare , I could not get a spare between Inverness and Glasgow airport abd even if I had it would have been £400 to replace,
Kinds put iff the X series a bit
Plus they are pointless and they are ugly as sin. Other than that great job ;D
Pretty much all BMWs are as ugly as fcuk nowadays.
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An astute business person once told me to "Never own anything that reduces in value" ... a car fits into this perfectly.
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I brought a second hand car in from the UK recently. More hassle and either you or someone else needs to know a bit about cars but excellent value even when you factor in VRT, flight, ferry etc. I even got a warranty that's effective over here. I think in NI the cross border factor is priced in so cars aren't as good value.
PCP is very expensive. You're paying a high premium for certainty in regards anything going wrong and of course the removal of hassle of resale or getting done on a trade in.
Not so great deals if you are buying a 4x4 due to higher emissions.
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
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An astute business person once told me to "Never own anything that reduces in value" ... a car fits into this perfectly.
Anyone got a car on PCH Personal Contract Hire? Views?
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
There are a few on here:
https://www.usedcarsni.com/search_results.php?make=33&model=17108899&fuel_type=0&trans_type=0&age_from=0&age_to=0&price_from=0&price_to=0&user_type=0&mileage_to=0&keywords=&distance_enabled=1&distance_postcode=&homepage_search_attr=1&search_type=1&car_class=
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
We got an XC60 before Christmas. 2016. To be honest I'm a bit disappointed with it. Seems very hard on the diesel (Which I know is common enough for a SUV) and wasn't great in the snow. Looks well but there's been a few minor niggly things that annoy me driving it. Nothing major but when you put them together is slightly disappointing.
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An astute business person once told me to "Never own anything that reduces in value" ... a car fits into this perfectly.
Anyone got a car on PCH Personal Contract Hire? Views?
Great way to buy a car. You have a fixed monthly payment and no worry about depreciation. You can add in maintenance if you want. Only two worries, get the annual mileage right in the beginning as penalties can be paid if you exceed it between 6 and 10p per excess mile. The second is keeping it in good shape during rental period as it will be examined at the end - less of a problem with a leasing company than with a franchise who might consider some wear and tear as damage. There are some great deals with PCH if you are ready to go, always set the mileage as high as possible to prevent excess payments. Road tax is always included in the payment as the vehicle is never yours.
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
Have one myself Tony, Workhorse. 2.5 tonne steel rollcage so great safety aspect in terms of shipping the kids about, however as expected it is heavy on the ol juice and Road tax aint cheap. Your talking circa 2011 for 10kish. You'll be able to pick up a very decent XC90 at that price. Becaue of the weight the brakes / Pedal handbrake kit need abit more careful attention more often than not. I really love it but will be trading in soon to soemthing abit cheaper to run.
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
Have one myself Tony, Workhorse. 2.5 tonne steel rollcage so great safety aspect in terms of shipping the kids about, however as expected it is heavy on the ol juice and Road tax aint cheap. Your talking circa 2011 for 10kish. You'll be able to pick up a very decent XC90 at that price. Becaue of the weight the brakes / Pedal handbrake kit need abit more careful attention more often than not. I really love it but will be trading in soon to soemthing abit cheaper to run.
Cheers. How heavy on the juice?
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An astute business person once told me to "Never own anything that reduces in value" ... a car fits into this perfectly.
Anyone got a car on PCH Personal Contract Hire? Views?
Great way to buy a car. You have a fixed monthly payment and no worry about depreciation. You can add in maintenance if you want. Only two worries, get the annual mileage right in the beginning as penalties can be paid if you exceed it between 6 and 10p per excess mile. The second is keeping it in good shape during rental period as it will be examined at the end - less of a problem with a leasing company than with a franchise who might consider some wear and tear as damage. There are some great deals with PCH if you are ready to go, always set the mileage as high as possible to prevent excess payments. Road tax is always included in the payment as the vehicle is never yours.
this post has to be a wind up?
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
Have one myself Tony, Workhorse. 2.5 tonne steel rollcage so great safety aspect in terms of shipping the kids about, however as expected it is heavy on the ol juice and Road tax aint cheap. Your talking circa 2011 for 10kish. You'll be able to pick up a very decent XC90 at that price. Becaue of the weight the brakes / Pedal handbrake kit need abit more careful attention more often than not. I really love it but will be trading in soon to soemthing abit cheaper to run.
Cheers. How heavy on the juice?
The official stats if 33/34 mpg on motorway and early to mid 20s arsing about are almost bang on.
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Anyone any experience of the older Volvo XC90? The missus has to travel hill and glen to work and the roads are shite so a 7-seat 4x4 is the answer but I don't want to spend big money on anything this year, so would buy one to do a few years if in decent nick around the £10k mark.
Have one myself Tony, Workhorse. 2.5 tonne steel rollcage so great safety aspect in terms of shipping the kids about, however as expected it is heavy on the ol juice and Road tax aint cheap. Your talking circa 2011 for 10kish. You'll be able to pick up a very decent XC90 at that price. Becaue of the weight the brakes / Pedal handbrake kit need abit more careful attention more often than not. I really love it but will be trading in soon to soemthing abit cheaper to run.
Cheers. How heavy on the juice?
The official stats if 33/34 mpg on motorway and early to mid 20s arsing about are almost bang on.
Hmmm that's off-putting I have to say. Thanks for the tip off.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
Think when people say that, is because never driven an automatic!
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
Think when people say that, is because never driven an automatic!
Agree. Once you get an automatic you wonder why you ever bothered with a manual
They practically drive themselves. Simple to drive just get used to not using your left foot.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
Think when people say that, is because never driven an automatic!
Agree. Once you get an automatic you wonder why you ever bothered with a manual
They practically drive themselves. Simple to drive just get used to not using your left foot
Some of us are committed left footers.
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My Golf auto also has adaptive cruise control and in combination it can almost drive itself, braking, accelerating, changing up and down itself. It is great when on some of our crowded roads where speeds are usually well below the limited and the traffic speeds up and slows down. The ACC keeps the car a safe distance from the vehicle in front and is a great safety device.
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3 times this year already! Are manual 4 wheel drives an option? She who must be obeyed just informed me she doesn’t want an automatic.
Think when people say that, is because never driven an automatic!
Agree. Once you get an automatic you wonder why you ever bothered with a manual
They practically drive themselves. Simple to drive just get used to not using your left foot
Some of us are committed left footers.
Yep. Don't want to lose that muscle tone built up over many years.
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My Golf auto also has adaptive cruise control and in combination it can almost drive itself, braking, accelerating, changing up and down itself. It is great when on some of our crowded roads where speeds are usually well below the limited and the traffic speeds up and slows down. The ACC keeps the car a safe distance from the vehicle in front and is a great safety device.
Christ, that’d take a bit of getting used to. I’d be hovering the foot over the brake.
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My Golf auto also has adaptive cruise control and in combination it can almost drive itself, braking, accelerating, changing up and down itself. It is great when on some of our crowded roads where speeds are usually well below the limited and the traffic speeds up and slows down. The ACC keeps the car a safe distance from the vehicle in front and is a great safety device.
Christ, that’d take a bit of getting used to. I’d be hovering the foot over the brake.
The roads will be full of autonomous vehicles in our lifetime.
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My Golf auto also has adaptive cruise control and in combination it can almost drive itself, braking, accelerating, changing up and down itself. It is great when on some of our crowded roads where speeds are usually well below the limited and the traffic speeds up and slows down. The ACC keeps the car a safe distance from the vehicle in front and is a great safety device.
Christ, that’d take a bit of getting used to. I’d be hovering the foot over the brake.
The roads will be full of autonomous vehicles in our lifetime.
You can get very used to it. I head out the road, set the max speed to 60 and keep in the line of traffic I can accelerate away if I wish but no point unless vehicle in front is on its own. When I get to dual or motorway raise speed setting to 70 and use ACC to keep distance or accelerate to pass slower vehicles.
Usually turn it off when heavy rain or slippery as it keeps the brake primed and a slight touch is only needed with the usual push length removed.
Often lose the nerve to allow it to stop suddenly when you come up behind a slow mover.
Overall a great addition I would always want as a safety device in a car.
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
I had one for a couple of months as a courtesy car, great to drive but the one they gave me was a hybrid was a nightmare, only last extremely expensive on juice once the 28 miles it did on electric ran out.
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
I had one for a couple of months as a courtesy car, great to drive but the one they gave me was a hybrid was a nightmare, only last extremely expensive on juice once the 28 miles it did on electric ran out.
Had a look at PHEV models on web but I live out in the sticks so didn't see any advantage. I am free state based so VRT would have been low but mostly I would be using hybrid and reports weren't great on it.
Gone ahead with diesel one this morning.
/Jim.
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Looked at PCP but wasn’t going to work for us. We have 2 cars, we always buy a car and pay it off over 3 years or so, then change the other one and do the same again. If we take out a PCP on a new car, then what do you do when you need to change the other car. It would mean paying 2 PCP deals at the one time. The guts of £500 a month on cars and you don’t own them ffs.
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
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Looked at PCP but wasn’t going to work for us. We have 2 cars, we always buy a car and pay it off over 3 years or so, then change the other one and do the same again. If we take out a PCP on a new car, then what do you do when you need to change the other car. It would mean paying 2 PCP deals at the one time. The guts of £500 a month on cars and you don’t own them ffs.
Why wouldn’t you run the PCP for 3 years and pay off the remaining before doing a PCP deal on the 2nd car? Would it not ultimately be the same as paying a loan back over 3 years anyway?
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
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Looked at PCP but wasn’t going to work for us. We have 2 cars, we always buy a car and pay it off over 3 years or so, then change the other one and do the same again. If we take out a PCP on a new car, then what do you do when you need to change the other car. It would mean paying 2 PCP deals at the one time. The guts of £500 a month on cars and you don’t own them ffs.
Why wouldn’t you run the PCP for 3 years and pay off the remaining before doing a PCP deal on the 2nd car? Would it not ultimately be the same as paying a loan back over 3 years anyway?
What do you mean pay off the remaining? As in a lump on what’s left on the pcp car?
-
PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
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My Golf auto also has adaptive cruise control and in combination it can almost drive itself, braking, accelerating, changing up and down itself. It is great when on some of our crowded roads where speeds are usually well below the limited and the traffic speeds up and slows down. The ACC keeps the car a safe distance from the vehicle in front and is a great safety device.
Agreed, that VW ACC system is an amazing piece of engineering.
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
Was listening to a fella on the radio who reckoned it's a bubble alright but not likely to affect the users hugely (any individual will be in hoc for a relatively low sum) but could have a huge effect on car dealerships who might be in too deep on these if a lot of people were to default. Anyone know how the details of how dealerships finance these?
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who regulates these PCP products though?
not the Central Bank!!
In fact, nobody!
its a disaster waiting to happen
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manfromdelmonete
100% correct but the deluded will call you a begrudger
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In the north, a large number of PCP/PCH products are provided by large leasing companies like Lex Autolease who are owned by banks. It is a heavily regulated industry.
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who regulates these PCP products though?
not the Central Bank!!
In fact, nobody!
its a disaster waiting to happen
THey would have to have a banking license - which means they are regulated.
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
When you called it a vanity product for people thinking they need new big cars - you come across as a knob and a begrudger.
What car people drive is irrelevant to the arguments on PCP for financing. If someone wants to buy a car through PCP, then it’s their business - if they can afford the repayments then ultimately they can afford it.
-
PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
Was listening to a fella on the radio who reckoned it's a bubble alright but not likely to affect the users hugely (any individual will be in hoc for a relatively low sum) but could have a huge effect on car dealerships who might be in too deep on these if a lot of people were to default. Anyone know how the details of how dealerships finance these?
Ther dealerships are a separate entity to the financing company - BMW dealers for example make the application to BMW Finance on your behalf. The dealer “should” still get their cash irrespective of whether you default or not.
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Looked at PCP but wasn’t going to work for us. We have 2 cars, we always buy a car and pay it off over 3 years or so, then change the other one and do the same again. If we take out a PCP on a new car, then what do you do when you need to change the other car. It would mean paying 2 PCP deals at the one time. The guts of £500 a month on cars and you don’t own them ffs.
Why wouldn’t you run the PCP for 3 years and pay off the remaining before doing a PCP deal on the 2nd car? Would it not ultimately be the same as paying a loan back over 3 years anyway?
What do you mean pay off the remaining? As in a lump on what’s left on the pcp car?
PCP deals basically require you to make a set number of payments (usually at a lower amount than if you were paying back the full amount borrowed) and at the end you have a few options:
- pay the remaining amount of the loan and keep the car
- hand it back and “hopefully” the guaranteed value covers the remainer of the finance
- trade it in and use the trade in to cover the remainder of the finance (bit simplistic but this is what the dealers want)
So if you got a 0% PCP deal for 10k over 3 years - why would you not pay the PCP for 3 years and put aside the remaining money (you would be paying with a loan) every month to make the lump payment at the end of the 3 years?
With a 10k loan you won’t get a 0% rate, so it may make sense to do the above.
Also be aware dealer discounts are heavily subsidised by the (separate) finance company. So you may not get as good a discount as you would with taking it out as it is on top of the max a dealer and can salesman can offer. You can take out PCP and avail of the discounts but pay off the moment you leave the dealer with zero interest. I do it all the time as you could be talking anything up to 10k subsidised by the Financing Company (these are usually entities within the manufacturer).
It’s not just a simple PCP is bad argument. There are deals to be had by playing the game.
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
When you called it a vanity product for people thinking they need new big cars - you come across as a knob and a begrudger.
What car people drive is irrelevant to the arguments on PCP for financing. If someone wants to buy a car through PCP, then it’s their business - if they can afford the repayments then ultimately they can afford it.
when a generation can only tell you how much a month their car costs facilitated by PCP schemes most don't understand, then there is a serious societal issue. People in the 20s and early 30s going for brand new fancier BMWs or audis because its only 100 a month extra trype mindset.
so less of the knob abuse whoever you are.
presumably a BMW driving PCP holding "consumer"
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
When you called it a vanity product for people thinking they need new big cars - you come across as a knob and a begrudger.
What car people drive is irrelevant to the arguments on PCP for financing. If someone wants to buy a car through PCP, then it’s their business - if they can afford the repayments then ultimately they can afford it.
That worked well in the property crash!!! Making high repayments impacts other areas of the economy.
The criticism of PCP made by Orchard Park and manfromdelmonte is largely correct in my view. It's a short term quick fix for car dealers which is now their core business I'd guess. It has in my view allowed people to get new cars they can't really afford. It's expensive for the customer and while I understand it does away with some hassle I think it's a rip off. It's not begrudgery to say that as personally I really couldn't care less what the next person drives - good luck to them. What does bother me though is if/when this crashes I'm going to end of paying for it somehow. And lets be realistic - there is a certain degree of vanity involved in it for a lot of people. That's grand but let them and the motor industry who are creaming it off these deals, pay for it.
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likewise Magpie I couldnt care less what any individual drives or leases / PCPs / owns. Its the overall societal impact that quick fix creative financial "products" have caused in the recent past and that this one again threatens........
every can drive a ferrari if they want once i don't end up footing a levy or bill for 10 years when it goes tits up
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I totally agree. Its a price people many are willing to pay for instant bling in the driveway.
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
When you called it a vanity product for people thinking they need new big cars - you come across as a knob and a begrudger.
What car people drive is irrelevant to the arguments on PCP for financing. If someone wants to buy a car through PCP, then it’s their business - if they can afford the repayments then ultimately they can afford it.
That worked well in the property crash!!! Making high repayments impacts other areas of the economy.
The criticism of PCP made by Orchard Park and manfromdelmonte is largely correct in my view. It's a short term quick fix for car dealers which is now their core business I'd guess. It has in my view allowed people to get new cars they can't really afford. It's expensive for the customer and while I understand it does away with some hassle I think it's a rip off. It's not begrudgery to say that as personally I really couldn't care less what the next person drives - good luck to them. What does bother me though is if/when this crashes I'm going to end of paying for it somehow. And lets be realistic - there is a certain degree of vanity involved in it for a lot of people. That's grand but let them and the motor industry who are creaming it off these deals, pay for it.
PCP and it’s percentage of turnover is dictated by the area of the dealership. I know a guy in west Belfast and 80% of his new sales is mobility cars and the rest PCP.
People paying cash for new cars now are very rare when you consider company leases are 100% tax deductible.
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Leasing is becoming huge over here, only difference to PCP is there's no option of a balloon payment at the end.
I'm nearly 2 years through my first lease with another year to go, not looking forward to handing it back and finding out what they class as wear and tear.
I'd imagine new car sales would be shocking without people leasing over here, anyone I know who's leased would never have bought a new car. Surely this is going to have some knock on affect with second hand cars?
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
When you called it a vanity product for people thinking they need new big cars - you come across as a knob and a begrudger.
What car people drive is irrelevant to the arguments on PCP for financing. If someone wants to buy a car through PCP, then it’s their business - if they can afford the repayments then ultimately they can afford it.
That worked well in the property crash!!! Making high repayments impacts other areas of the economy.
The criticism of PCP made by Orchard Park and manfromdelmonte is largely correct in my view. It's a short term quick fix for car dealers which is now their core business I'd guess. It has in my view allowed people to get new cars they can't really afford. It's expensive for the customer and while I understand it does away with some hassle I think it's a rip off. It's not begrudgery to say that as personally I really couldn't care less what the next person drives - good luck to them. What does bother me though is if/when this crashes I'm going to end of paying for it somehow. And lets be realistic - there is a certain degree of vanity involved in it for a lot of people. That's grand but let them and the motor industry who are creaming it off these deals, pay for it.
PCP is not comparable to the property crash. Cars are depreciating assets, the whole property bubble was based on the premise that property prices will continue to rise. The exposure risk is much lower and the financing companies are separate legal entities which would be allowed to crash (as they don’t offer other banking services).
PCP may not be the cheapest way to buy a car but whether a person can or cannot afford something is subjective. Ultimately Mortgages allow you to buy a property you can’t really afford otherwise - irrespective of the controls in place. Sure we all used to rent TVs that we couldn’t afford. Finance products evolve - we used to have the exact same arguements about the lads who took out credit union loans to buy their Nova.
Nothing Orchard Park has said have given any indication of why these products are bad. His opening gambit attacked the people availing of them as vain and financially reckless.
On societal issues - maybe look at the bigger economic picture too than taking the ants penis view and focusing the consumers availing of the product.
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I didn't attack the people
I attacked the product that preys on people who dont look deeper than how much per month.
Obviously you are earning commission from PCP as i have never seen someone so touchy on what is a potential economy hand grenade
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Looked at PCP but wasn’t going to work for us. We have 2 cars, we always buy a car and pay it off over 3 years or so, then change the other one and do the same again. If we take out a PCP on a new car, then what do you do when you need to change the other car. It would mean paying 2 PCP deals at the one time. The guts of £500 a month on cars and you don’t own them ffs.
Why wouldn’t you run the PCP for 3 years and pay off the remaining before doing a PCP deal on the 2nd car? Would it not ultimately be the same as paying a loan back over 3 years anyway?
What do you mean pay off the remaining? As in a lump on what’s left on the pcp car?
PCP deals basically require you to make a set number of payments (usually at a lower amount than if you were paying back the full amount borrowed) and at the end you have a few options:
- pay the remaining amount of the loan and keep the car
- hand it back and “hopefully” the guaranteed value covers the remainer of the finance
- trade it in and use the trade in to cover the remainder of the finance (bit simplistic but this is what the dealers want)
So if you got a 0% PCP deal for 10k over 3 years - why would you not pay the PCP for 3 years and put aside the remaining money (you would be paying with a loan) every month to make the lump payment at the end of the 3 years?
With a 10k loan you won’t get a 0% rate, so it may make sense to do the above.
Also be aware dealer discounts are heavily subsidised by the (separate) finance company. So you may not get as good a discount as you would with taking it out as it is on top of the max a dealer and can salesman can offer. You can take out PCP and avail of the discounts but pay off the moment you leave the dealer with zero interest. I do it all the time as you could be talking anything up to 10k subsidised by the Financing Company (these are usually entities within the manufacturer).
It’s not just a simple PCP is bad argument. There are deals to be had by playing the game.
Just curious if such a deal you mention actually exists? Or is it like these 0% APR finance deal where the initial buy price itself is inflated to factor in the lost interest.
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Looked at PCP but wasn’t going to work for us. We have 2 cars, we always buy a car and pay it off over 3 years or so, then change the other one and do the same again. If we take out a PCP on a new car, then what do you do when you need to change the other car. It would mean paying 2 PCP deals at the one time. The guts of £500 a month on cars and you don’t own them ffs.
Why wouldn’t you run the PCP for 3 years and pay off the remaining before doing a PCP deal on the 2nd car? Would it not ultimately be the same as paying a loan back over 3 years anyway?
What do you mean pay off the remaining? As in a lump on what’s left on the pcp car?
PCP deals basically require you to make a set number of payments (usually at a lower amount than if you were paying back the full amount borrowed) and at the end you have a few options:
- pay the remaining amount of the loan and keep the car
- hand it back and “hopefully” the guaranteed value covers the remainer of the finance
- trade it in and use the trade in to cover the remainder of the finance (bit simplistic but this is what the dealers want)
So if you got a 0% PCP deal for 10k over 3 years - why would you not pay the PCP for 3 years and put aside the remaining money (you would be paying with a loan) every month to make the lump payment at the end of the 3 years?
With a 10k loan you won’t get a 0% rate, so it may make sense to do the above.
Also be aware dealer discounts are heavily subsidised by the (separate) finance company. So you may not get as good a discount as you would with taking it out as it is on top of the max a dealer and can salesman can offer. You can take out PCP and avail of the discounts but pay off the moment you leave the dealer with zero interest. I do it all the time as you could be talking anything up to 10k subsidised by the Financing Company (these are usually entities within the manufacturer).
It’s not just a simple PCP is bad argument. There are deals to be had by playing the game.
Just curious if such a deal you mention actually exists? Or is it like these 0% APR finance deal where the initial buy price itself is inflated to factor in the lost interest.
No they do exist. Plenty of them in the South a few years back.
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I didn't attack the people
I attacked the product that preys on people who dont look deeper than how much per month.
Obviously you are earning commission from PCP as i have never seen someone so touchy on what is a potential economy hand grenade
Again you spout about economy hand grenades without any substance to back it up. I don’t work in the finance industry and not touchy at all but you haven’t made any sort of statement to back up your platitudes.
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PCP is the next big credit bubble car crash, a vanity product for people thinking they need new big cars which they actually cant afford
If they can make the payments, then they can afford. If you don’t want to keep the car or can’t afford too at the end, then ultimately you hand back.
The post ultimately strikes of begrudgery.
far from begrudgery, just a caustic eye on credit bubbles over a lifetime.............if it walks like a duck and quacks like a duck then its a f**king duck in my book. PCP is a credit crash world wide waiting to happen
When you called it a vanity product for people thinking they need new big cars - you come across as a knob and a begrudger.
What car people drive is irrelevant to the arguments on PCP for financing. If someone wants to buy a car through PCP, then it’s their business - if they can afford the repayments then ultimately they can afford it.
when a generation can only tell you how much a month their car costs facilitated by PCP schemes most don't understand, then there is a serious societal issue. People in the 20s and early 30s going for brand new fancier BMWs or audis because its only 100 a month extra trype mindset.
so less of the knob abuse whoever you are.
presumably a BMW driving PCP holding "consumer"
No I lease and own my cars.
Society has changed, young people are less concerned about owning stuff outright.
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Far from BMWs most of ye bucks were reared.
I have a good lump of a 2008 VW and hope to get 3 or 4 more years out of her.
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rossfan,
dont be such a consumer, at least aim for 10 more
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I didn't attack the people
I attacked the product that preys on people who dont look deeper than how much per month.
Obviously you are earning commission from PCP as i have never seen someone so touchy on what is a potential economy hand grenade
Again you spout about economy hand grenades without any substance to back it up. I don’t work in the finance industry and not touchy at all but you haven’t made any sort of statement to back up platitudes.
I'll let others make the statement then......... Not platitudes at all
https://www.rte.ie/lifestyle/motors/2017/0603/880092-warning-about-regulation-of-pcps/
https://www.irishtimes.com/business/personal-finance/consumer-watchdog-highlights-risks-of-pcp-car-finance-deals-1.3416875
https://www.independent.ie/business/personal-finance/charlie-weston-official-ireland-finally-wakes-up-to-hidden-dangers-of-popular-pcp-car-finance-deals-35957898.html
https://www.independent.ie/business/personal-finance/charlie-weston-pcp-car-finance-deals-could-be-a-subprime-mess-all-over-again-35331251.html
https://www.westportcu.ie/pcpfinance
https://www.thesun.ie/motors/1975601/a-quarter-of-cars-have-hidden-finance-history-heres-how-to-avoid-being-a-fraud-victim/
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PCP is not comparable to the property crash. Cars are depreciating assets, the whole property bubble was based on the premise that property prices will continue to rise. The exposure risk is much lower and the financing companies are separate legal entities which would be allowed to crash (as they don’t offer other banking services).
PCP may not be the cheapest way to buy a car but whether a person can or cannot afford something is subjective. Ultimately Mortgages allow you to buy a property you can’t really afford otherwise - irrespective of the controls in place. Sure we all used to rent TVs that we couldn’t afford. Finance products evolve - we used to have the exact same arguements about the lads who took out credit union loans to buy their Nova.
Nothing Orchard Park has said have given any indication of why these products are bad. His opening gambit attacked the people availing of them as vain and financially reckless.
On societal issues - maybe look at the bigger economic picture too than taking the ants penis view and focusing the consumers availing of the product.
In general, if people in society are consuming things from money they haven't earned yet, there is a problem if things don't go to plan. A house is one thing, houses last for centuries, cars do not.
The specific problem with PCP, as I understand it, is that people initially come along with a trade in worth €6000 (say), so they are not funding the whole amount but only the part of the cost, but at the end of the PCP they have no equity left in the vehicle, so subsequent plans will be more expensive.
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Leasing is becoming huge over here, only difference to PCP is there's no option of a balloon payment at the end.
I'm nearly 2 years through my first lease with another year to go, not looking forward to handing it back and finding out what they class as wear and tear.
I'd imagine new car sales would be shocking without people leasing over here, anyone I know who's leased would never have bought a new car. Surely this is going to have some knock on affect with second hand cars?
Check this out.
https://www.drive-electric.co.uk/wp-content/uploads/2016/05/Fair_Wear_Tear.pdf (https://www.drive-electric.co.uk/wp-content/uploads/2016/05/Fair_Wear_Tear.pdf)
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I didn't attack the people
I attacked the product that preys on people who dont look deeper than how much per month.
Obviously you are earning commission from PCP as i have never seen someone so touchy on what is a potential economy hand grenade
Again you spout about economy hand grenades without any substance to back it up. I don’t work in the finance industry and not touchy at all but you haven’t made any sort of statement to back up platitudes.
I'll let others make the statement then......... Not platitudes at all
https://www.rte.ie/lifestyle/motors/2017/0603/880092-warning-about-regulation-of-pcps/
https://www.irishtimes.com/business/personal-finance/consumer-watchdog-highlights-risks-of-pcp-car-finance-deals-1.3416875
https://www.independent.ie/business/personal-finance/charlie-weston-official-ireland-finally-wakes-up-to-hidden-dangers-of-popular-pcp-car-finance-deals-35957898.html
https://www.independent.ie/business/personal-finance/charlie-weston-pcp-car-finance-deals-could-be-a-subprime-mess-all-over-again-35331251.html
https://www.westportcu.ie/pcpfinance
https://www.thesun.ie/motors/1975601/a-quarter-of-cars-have-hidden-finance-history-heres-how-to-avoid-being-a-fraud-victim/
No one of those articles give any reasons that we on another economic disaster. They are more examples of preditory lending practices & people failing to understand what they are signing up for. Nothing in those tell us anything we don’t already know or particularly what we all agree on the risks.
Charlie Weston equates it to the sub prime crisis without ever qualifying that statement or providing any evidence. It’s sensationalist line in an article with no substance.
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Congrats to the board member who just won a new car!! Jammy git!!
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Congrats to the board member who just won a new car!! Jammy git!!
It wasn't Tony?
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If you have the option of a company car or allowance whats best overall tax wise and savings over the year?
I really dont need a company car as I'm totally based in the one spot and no need to have it, though I love the perks with it I'm probably paying for it through my tax
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If you have the option of a company car or allowance whats best overall tax wise and savings over the year?
I really dont need a company car as I'm totally based in the one spot and no need to have it, though I love the perks with it I'm probably paying for it through my tax
Depends on a few things. Miles you are doing? Fuel card? etc. I found I was better of staying with my expenses than what I was getting for a car allowance / company car. If your doing massive miles then it's definitely value. But I was doing just about 10,000 miles so didn't really see a benefit (Financially). Course you save on the hassle of maintenance with a CC but I was tied to a couple of vehicles.
Course my calculations could have been up the left. ???
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If you have the option of a company car or allowance whats best overall tax wise and savings over the year?
I really dont need a company car as I'm totally based in the one spot and no need to have it, though I love the perks with it I'm probably paying for it through my tax
Depends on a few things. Miles you are doing? Fuel card? etc. I found I was better of staying with my expenses than what I was getting for a car allowance / company car. If your doing massive miles then it's definitely value. But I was doing just about 10,000 miles so didn't really see a benefit (Financially). Course you save on the hassle of maintenance with a CC but I was tied to a couple of vehicles.
Course my calculations could have been up the left. ???
What he said, it depends on circumstances. There are a couple of decent comparison calculators online that you can tailor
https://www.whatcar.com/news/company-car-cash-alternative/
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So if you win a car and don’t want that specific car, what is the best option? ;D
Seriously though, fewer cash buyers around these days, best to give up a lot of value and sell back to the dealer, or take it and sell privately?
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So if you win a car and don’t want that specific car, what is the best option? ;D
Seriously though, fewer cash buyers around these days, best to give up a lot of value and sell back to the dealer, or take it and sell privately?
Add cash to the sales price to get the vehicle you prefer?
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So if you win a car and don’t want that specific car, what is the best option? ;D
Seriously though, fewer cash buyers around these days, best to give up a lot of value and sell back to the dealer, or take it and sell privately?
Dealer will have donated car at cost price so don’t be surprised at their valuation if you return it for cash or upgrade.
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If you have the option of a company car or allowance whats best overall tax wise and savings over the year?
I really dont need a company car as I'm totally based in the one spot and no need to have it, though I love the perks with it I'm probably paying for it through my tax
Depends on a few things. Miles you are doing? Fuel card? etc. I found I was better of staying with my expenses than what I was getting for a car allowance / company car. If your doing massive miles then it's definitely value. But I was doing just about 10,000 miles so didn't really see a benefit (Financially). Course you save on the hassle of maintenance with a CC but I was tied to a couple of vehicles.
Course my calculations could have been up the left. ???
What he said, it depends on circumstances. There are a couple of decent comparison calculators online that you can tailor
https://www.whatcar.com/news/company-car-cash-alternative/
At the minute and for the immediate future I’m doing a daily run of 15 miles! Initially that’s far greater when I was at different locations, now with my lease nearly up I’ve got to choose, fuel card insurance maintenance good spec car services breakdown cover! Even toll charges.. for a car allowance which will be decent enough and bring down tax I think
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What are these Merc A180's like - they look good at least but just interested in their running - my civic is about done and it was decent and had a golf before but just interested in case anyone had one
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What are these Merc A180's like - they look good at least but just interested in their running - my civic is about done and it was decent and had a golf before but just interested in case anyone had one
Supposed to be hard to sit in due to suspension built for carpet like roads on the continental mainland. New model supposed to have improved on this area.
If you intend to carry anyone more than 5-10 in the back they will struggle to get in and have any head room. Probably same applies if you carry children in car seats in the rear in terms of getting them in and out.
On the other hand the Golf 7 has none of these problems.
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What are these Merc A180's like - they look good at least but just interested in their running - my civic is about done and it was decent and had a golf before but just interested in case anyone had one
Supposed to be hard to sit in due to suspension built for carpet like roads on the continental mainland. New model supposed to have improved on this area.
If you intend to carry anyone more than 5-10 in the back they will struggle to get in and have any head room. Probably same applies if you carry children in car seats in the rear in terms of getting them in and out.
On the other hand the Golf 7 has none of these problems.
I like the look of them tbh, but probably not practical
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Anyone any experience with the new Seat Ateca? Is it just more or less a Tiguan with the VW badge? We are looking at that kind of motor for the family car.
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Seems petrol hybrid is the future. Diesel cars bought now will have no resale value.
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Anyone any experience with the new Seat Ateca? Is it just more or less a Tiguan with the VW badge? We are looking at that kind of motor for the family car.
Basically from the same VW parts box but without some of the things that give the difference between Seat and VW cars. According to all reports the third SUV from the same parts bin built by Skoda, the Karoq. Tiguan supposed to be luxury version and most expensive, Ateca is the sport version trimmed back with harder suspension but cheaper by thousands and the Karoq is the family version with more gadgets, more comfort, more storage and softer suspension (blander) with Skoda price. There is one to suit everyone. Big step up in terms of looks shared by all three.
Check out these reviews:
https://youtu.be/W2y6shUHD7M (https://youtu.be/W2y6shUHD7M)
https://youtu.be/vI4v73CUoQc (https://youtu.be/vI4v73CUoQc)
https://youtu.be/DYhF6-oKjWg (https://youtu.be/DYhF6-oKjWg)
Note the design similarities of all 3 from the same parts bin.
Just depends if you are a badge snob or not.
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Thanks Owen. We’re going to test drive a few in the next week or so. I do like the look of the Ateca though.
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Thanks Owen. We’re going to test drive a few in the next week or so. I do like the look of the Ateca though.
One of the best looking compact SUVs. If you need more than 5 seats the Kodiaq from Skoda is the big brother of the Karoq and also highly rated. Q7 size and near quality for a Skoda price.
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Thanks Owen. We’re going to test drive a few in the next week or so. I do like the look of the Ateca though.
One of the best looking compact SUVs. If you need more than 5 seats the Kodiaq from Skoda is the big brother of the Karoq and also highly rated. Q7 size and near quality for a Skoda price.
Was in one of those Kodiaq's the other day, spacy enough inside without looking like a bus on the outside, was impressed by it.
Didn't get a drive at it though, but I think they're 2 litre diesel engines.
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Thanks Owen. We’re going to test drive a few in the next week or so. I do like the look of the Ateca though.
One of the best looking compact SUVs. If you need more than 5 seats the Kodiaq from Skoda is the big brother of the Karoq and also highly rated. Q7 size and near quality for a Skoda price.
Was in one of those Kodiaq's the other day, spacy enough inside without looking like a bus on the outside, was impressed by it.
Didn't get a drive at it though, but I think they're 2 litre diesel engines.
https://youtu.be/b62ITcoqN0s (https://youtu.be/b62ITcoqN0s)
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Thanks Owen. We’re going to test drive a few in the next week or so. I do like the look of the Ateca though.
One of the best looking compact SUVs. If you need more than 5 seats the Kodiaq from Skoda is the big brother of the Karoq and also highly rated. Q7 size and near quality for a Skoda price.
Was in one of those Kodiaq's the other day, spacy enough inside without looking like a bus on the outside, was impressed by it.
Didn't get a drive at it though, but I think they're 2 litre diesel engines.
https://youtu.be/b62ITcoqN0s (https://youtu.be/b62ITcoqN0s)
Looking at a Seat Arona myself. Bit of a smaller SUV type. I've had 2 Leon's in the past and have always been happy with them.
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Recently bought a Nissan X-Trail, happy enough with it so far, very comfortable and spacious and has decent fuel economy. I still have my Seat Leon, the wee lad is now 17 and he can have it when he passes his test.
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VW T-Roc looks nice but I imagine its pricey enough
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Saw a VW Tiguan Allspace on the road today. Far nicer and bigger looking than a regular Tiguan.
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Going to read through this thread in detail later for some advice so maybe it's mentioned but can anyone recommend any dealers in Northern England or Scotland.
I've been noseying online to the big dealers around London, cargiant.com and bigmotoringworld. However would like something closer for the drive home.
Thanks
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
I am driving it now for 2 weeks and I find it a lovely car. Very comfortable, good kit and plenty of pep. A bit early to judge economy but seems good with a mix of rural and motorway driving.
It's my first experience of a Korean make and so far I am impressed.
/Jim.
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
I am driving it now for 2 weeks and I find it a lovely car. Very comfortable, good kit and plenty of pep. A bit early to judge economy but seems good with a mix of rural and motorway driving.
It's my first experience of a Korean make and so far I am impressed.
/Jim.
Kia 7 yr warranty Jim?
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
I am driving it now for 2 weeks and I find it a lovely car. Very comfortable, good kit and plenty of pep. A bit early to judge economy but seems good with a mix of rural and motorway driving.
It's my first experience of a Korean make and so far I am impressed.
/Jim.
Kia 7 yr warranty Jim?
Yes 7 yesr/100k miles.
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In the process of buying a Kia Optima (17 car, ex-demo).
Any experience of them, it's a 1.7 Diesel manual.
/Jim.
A mate had one as a company car, he loved it. Said it was one of the best cars he ever drove.
I am driving it now for 2 weeks and I find it a lovely car. Very comfortable, good kit and plenty of pep. A bit early to judge economy but seems good with a mix of rural and motorway driving.
It's my first experience of a Korean make and so far I am impressed.
/Jim.
Kia 7 yr warranty Jim?
7 years or 150 Kilometres (In the Free State we remain under the jackboot of EU oppression) which ever comes first.
I bought at 2017 car so 6 years remaining.
/Jim.
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
See my post above. Kia Optima 1.7 diesel. Lots of extras.
/Jim.
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
Because?
/Jim.
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
See my post above. Kia Optima 1.7 diesel. Lots of extras.
/Jim.
Just went through a few of them on Hurst (though I'd imagine they are robbing bstards), £215 per month and £215 deposit, through the PCH, which is what I'm looking but 5,000 miles is the deal with 9p cover for over those miles. I'd need max 10,000 miles I'd imagine..
Lovely looking car and as you say plenty of nice extras on them
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
See my post above. Kia Optima 1.7 diesel. Lots of extras.
/Jim.
Just went through a few of them on Hurst (though I'd imagine they are robbing bstards), £215 per month and £215 deposit, through the PCH, which is what I'm looking but 5,000 miles is the deal with 9p cover for over those miles. I'd need max 10,000 miles I'd imagine..
Lovely looking car and as you say plenty of nice extras on them
Nissan Pulsar Diesel 1.5cCi
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
Because?
/Jim.
Because they are an absolute plague. They are the motoring equivalent of white goods and every bit as exciting as a new dish washer. Why anyone would choose to drive one is beyond me.
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You've chosen to have white goods though, haven't you? Not as exciting as washing your clothes by hand I'm sure, but handy, no?
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You've chosen to have white goods though, haven't you? Not as exciting as washing your clothes by hand I'm sure, but handy, no?
have you ever tried donut'in a Zanussi??
Anyone any experience of the Mazda 6? They look a decent motor and seem to be fairly economical (diesel).
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You've chosen to have white goods though, haven't you? Not as exciting as washing your clothes by hand I'm sure, but handy, no?
have you ever tried donut'in a Zanussi??
Anyone any experience of the Mazda 6? They look a decent motor and seem to be fairly economical (diesel).
Girl in work has the estate. Nice bus.
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
Because?
/Jim.
Because they are an absolute plague. They are the motoring equivalent of white goods and every bit as exciting as a new dish washer. Why anyone would choose to drive one is beyond me.
Ambrose what do you drive?
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
There is a whole new Focus coming out, but it will be couple of months before you can buy one.
A Mazda 6 would be bigger yoke.
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
There is a whole new Focus coming out, but it will be couple of months before you can buy one.
A Mazda 6 would be bigger yoke.
Wouldn’t mind waiting, my current car goes back at end of June
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As if to continue my recent run of bad luck, needed a new car after someone wrote off my car about 6 weeks ago. Finally decided on a second hand Audi. After much negotiation I agreed a price yesterday only for Audi to recall all A7's from the relevant period and stop their dealers selling them pending the recall.
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As if to continue my recent run of bad luck, needed a new car after someone wrote off my car about 6 weeks ago. Finally decided on a second hand Audi. After much negotiation I agreed a price yesterday only for Audi to recall all A7's from the relevant period and stop their dealers selling them pending the recall.
Don't expect much sympathy on here if you've the dough to afford an audi A7.
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As if to continue my recent run of bad luck, needed a new car after someone wrote off my car about 6 weeks ago. Finally decided on a second hand Audi. After much negotiation I agreed a price yesterday only for Audi to recall all A7's from the relevant period and stop their dealers selling them pending the recall.
Don't expect much sympathy on here if you've the dough to afford an audi A7.
Its not even close to new and its only because my car was written off but fair point well made
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Because they are an absolute plague. They are the motoring equivalent of white goods and every bit as exciting as a new dish washer. Why anyone would choose to drive one is beyond me.
I am not sure what would constitute an exciting car, a Ford Capri or the like?
Why I chose to drive the Optima: economy, price, comfort, spec and fallback of the warranty. Excitement didn't was way further than the list, as is the balaclava.
/Jim.
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
Because?
/Jim.
Because they are an absolute plague. They are the motoring equivalent of white goods and every bit as exciting as a new dish washer. Why anyone would choose to drive one is beyond me.
Why anyone would look for excitement in someone else's choice of car is beyond me.
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Because they are an absolute plague. They are the motoring equivalent of white goods and every bit as exciting as a new dish washer. Why anyone would choose to drive one is beyond me.
I am not sure what would constitute an exciting car, a Ford Capri or the like?
Why I chose to drive the Optima: economy, price, comfort, spec and fallback of the warranty. Excitement didn't was way further than the list, as is the balaclava.
/Jim.
I think the Optima's actually a cracking looking car
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
That is the biggest 'my head is up my own arse' post since Fearon posted about the rental income he was getting from the house he had inherited.
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
That is the biggest 'my head is up my own arse' post since Fearon posted about the rental income he was getting from the house he had inherited.
Very funny all the same. :D
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
That is the biggest 'my head is up my own arse' post since Fearon posted about the rental income he was getting from the house he had inherited.
Very funny all the same. :D
I knew that gobshite Dougal would have to reply, he probably sees a 4 year old Kia with remaining manufacturers warranty as aspirational.
This isn't a willy waving contest, but Kia's like the vast majority of people that drive them are more than a little bit dull. A grey Kia might brighten Dougal up a little.
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
That is the biggest 'my head is up my own arse' post since Fearon posted about the rental income he was getting from the house he had inherited.
Very funny all the same. :D
I knew that gobshite Dougal would have to reply, he probably sees a 4 year old Kia with remaining manufacturers warranty as aspirational.
This isn't a willy waving contest, but Kia's like the vast majority of people that drive them are more than a little bit dull. A grey Kia might brighten Dougal up a little.
So if cars reflect personality does it mean that my robin reliant makes me a little unstable ?
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
That is the biggest 'my head is up my own arse' post since Fearon posted about the rental income he was getting from the house he had inherited.
Very funny all the same. :D
I knew that gobshite Dougal would have to reply, he probably sees a 4 year old Kia with remaining manufacturers warranty as aspirational.
This isn't a willy waving contest, but Kia's like the vast majority of people that drive them are more than a little bit dull. A grey Kia might brighten Dougal up a little.
Classic stuff there. What do you know about me that makes you reach that conclusion?
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Those Kia's and Hyundai's would want to come with a free balaclava, because there is no way anyone with any self respect would ever be seen driving one.
That is the biggest 'my head is up my own arse' post since Fearon posted about the rental income he was getting from the house he had inherited.
Very funny all the same. :D
I knew that gobshite Dougal would have to reply, he probably sees a 4 year old Kia with remaining manufacturers warranty as aspirational.
This isn't a willy waving contest, but Kia's like the vast majority of people that drive them are more than a little bit dull. A grey Kia might brighten Dougal up a little.
Classic stuff there. What do you know about me that makes you reach that conclusion?
Sorry Dougal, grey would be a little showy for you, stick to beige.
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If you have a car allowance and looking to get a decent deal on a, lets say on a 1.6 type car, with a decent extras, where is the best place to look? I'm not a petrol head so for me any new car is nice, loved the Ford Focus i had for 3 years, might even go back to that type, but interested in something different
I got a brilliant lease deal on an Infiniti Q30. Nissan's "upmarket" brand, Mercedes engine, fully loaded. Probably not the best car but different.
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Anyone in the Newry area can give advice via PM about a car dealer. Thinking of making a purchase but I've heard too many horror stories.
Thanks
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PMA?
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Sent you a PM there longball.
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Anyone in the Newry area can give advice via PM about a car dealer. Thinking of making a purchase but I've heard too many horror stories.
Thanks
If you've heard too many horror stories then I that tells you all you need to know.
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A cousin of mine has two twins who turn 17 in a few weeks. He’s looking at maybe getting them a car but wants advice on the following.
Which car would be cheapest to insure for two 17 year olds with him as named driver.
Would a new car represent better value if he could pay it off?
How much more would insurance be for two 17 year olds over and above one.
Does anyone offer car with free insurance like they did in my day?
There’s an older fella in the house who drives a polo would it be best just adding them to that insurance for a year or two? The only other car in the family is an old estate
I know very little about cars so can’t really help but I know a few on here seem to know a fair bit.
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Car insurance for 17 year olds is expensive business.
I'd say £1500 each.
Bought a Peugeot 107 for 18 year old at £2200
Insurance quotes ranged from £1300 to £4000!
Multi car reduced the quote to £1200 for his part.
As a main driver the young one needs to be the policyholder!
But add as many over 25s on the policy as you have.
Other factors include different quotes from insurers in different days of the week .
Parked in driveway !!! Etc
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Car insurance for 17 year olds is expensive business.
I'd say £1500 each.
Bought a Peugeot 107 for 18 year old at £2200
Insurance quotes ranged from £1300 to £4000!
Multi car reduced the quote to £1200 for his part.
As a main driver the young one needs to be the policyholder!
But add as many over 25s on the policy as you have.
Other factors include different quotes from insurers in different days of the week .
Parked in driveway !!! Etc
Cheers. I know from my own job that insurance companies are fairly cracking down on the old have the parent as the primary driver when really it’s the youngster thing. Remember too when my now wife learnt to drive. It reduced her premium by near £300 by adding me as a named driver even though I had active penalty points at the time.
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David, check out Autoline’s telematics policy, called ChilliDrive. It is based on monitored driving, and premiums come down quite a bit in Yr2. £1,500 is prob right enough. No black box needed, just an app.
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David, check out Autoline’s telematics policy, called ChilliDrive. It is based on monitored driving, and premiums come down quite a bit in Yr2. £1,500 is prob right enough. No black box needed, just an app.
This is presuming the person who is driving the car is actually a good driver!
I’ve worked in insurance and you shouldn’t be giving your child a car so young. Number 1
it’s ridiculously expensive and 2 they don’t really need a car at that age. Being insured on the second car or the main car should be more than enough for what a 17 year old needs and at least £500 quid cheaper insurance wise!