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Car PCPs 12:23 - Sep 12 with 1961 viewsmonmouth

I know we've done all this loads on leasing, but have we done PCPs? I'm thinking about it as I still want a diesel but don't really want the risk on the 3 or 4 year value. There seem to be some decent guaranteed residuals and 0% offers out there at the moment on new shiny shinies.

Anyone got any advice on traps to avoid or how to get best value when dealing with the car sales sharks? Out of principle I'll be walking away from the first couple of bastards, whatever they offer.

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Car PCPs on 19:24 - Sep 13 with 588 viewsCooperman

Car PCPs on 18:47 - Sep 13 by monmouth

Done a back of an envelope. Thanks to Coops and everyone, this has been quite thought provoking. The figures are a bit eye watering. If I keep my current car (and the repairs would be bloody expensive, a headlight is 2k ffs), but:

Vs pcp on a replacement over 4 years I’d have to incur £21k on repairs to break even
Vs buying replacement outright over 4 years £I’d have to incur £17k on repairs to break even

That would be bloody unlucky, to say the least, and I guess you can get warranties for major failures from places like warranty wise anyway.

So financially I think there’s only one decision.

Problem is that the new model is so pretty and so shiny.....😆


There are plenty of ‘specialists’ out there who operate as private entities solely working on BMW (insert any marque here) repairs and servicing. These are very often chaps who used to work in main dealers but got fed up of the franchise / dealer owner pocketing the vast majority of the £50 an hour labour rate charged to Joe public. In turn they jumped ship and have gone it alone.

The aftermarket parts business is also very competitive these days. An original equipment headlight unit might cost £2k via the main dealer but the go it alone guy will have other supply routes known to him. It will almost certainly be a copy but you will still get twelve months warranty with it.

If you haven’t already done so you should bookmark the various BMW owners forums next to your Planet Swans page.

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Car PCPs on 20:23 - Sep 13 with 564 viewsmonmouth

Car PCPs on 18:51 - Sep 13 by Neath_Jack

Why are you getting so hung up about repairs?

Have you had bad luck with cars previously?


On previous cars yes I know how expensive it can be (I had springs collapse, a computer failure and some problems with an automatic clutch out of warranty, all over £1000, plus a simple parking sensor was £400, and none at a dealer neither). So I’m just trying to think about how best to manage a 4 year risk. Stick or twist. My own fault, but expensive cars are my only real stupid indulgence.

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Car PCPs on 20:40 - Sep 13 with 551 viewsNeath_Jack

Car PCPs on 20:23 - Sep 13 by monmouth

On previous cars yes I know how expensive it can be (I had springs collapse, a computer failure and some problems with an automatic clutch out of warranty, all over £1000, plus a simple parking sensor was £400, and none at a dealer neither). So I’m just trying to think about how best to manage a 4 year risk. Stick or twist. My own fault, but expensive cars are my only real stupid indulgence.


It's just I've never seen anyone use potential repair costs into consideration, certainly not the amounts you suggested.

As for your 4 year old car, I'm in the same boat. My Merc has just turned 4 and I'm wrestling with upgrading, mostly due to a couple of blokes in my office have just had new ones (all on PCP). Keeping up the Jonses is alive and kicking

But, I haven't done 50k yet, and I'm thinking whats the point...

I want a mate like Flashberryjacks, who wears a Barnsley jersey with "Swans are my second team" on the back.
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Car PCPs on 20:43 - Sep 13 with 549 viewslondonlisa2001

Car PCPs on 18:47 - Sep 13 by monmouth

Done a back of an envelope. Thanks to Coops and everyone, this has been quite thought provoking. The figures are a bit eye watering. If I keep my current car (and the repairs would be bloody expensive, a headlight is 2k ffs), but:

Vs pcp on a replacement over 4 years I’d have to incur £21k on repairs to break even
Vs buying replacement outright over 4 years £I’d have to incur £17k on repairs to break even

That would be bloody unlucky, to say the least, and I guess you can get warranties for major failures from places like warranty wise anyway.

So financially I think there’s only one decision.

Problem is that the new model is so pretty and so shiny.....😆


Monnie, is that a really long way of saying you’ve worked out a brand. new car is more expensive than an older car

Funnily enough, I had a call from BMW this afternoon, wanting me to switch into a new car.

I’m interested in the post about an X1 as I’m considering one of those. I’ve had a small 1 series for the past 7 years (the second of them is due for renewal early next year) but since getting this one, I’ve acquired a dog which makes the 1 series a bit small now. The X1 looks like a potential good option.
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Car PCPs on 20:49 - Sep 13 with 546 viewsmonmouth

Car PCPs on 20:40 - Sep 13 by Neath_Jack

It's just I've never seen anyone use potential repair costs into consideration, certainly not the amounts you suggested.

As for your 4 year old car, I'm in the same boat. My Merc has just turned 4 and I'm wrestling with upgrading, mostly due to a couple of blokes in my office have just had new ones (all on PCP). Keeping up the Jonses is alive and kicking

But, I haven't done 50k yet, and I'm thinking whats the point...


No, that’s why I meant the ‘keep’ decision was so financially obvious. You could probably get a whole new engine and drivetrain for those figures. So replacing would be senseless on a hardheaded basis.

It’s true that others are buying new cars which made me look around a bit. We are daft creatures sometimes. Faulty wiring.

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Car PCPs on 21:29 - Sep 13 with 531 viewsCooperman

Car PCPs on 20:40 - Sep 13 by Neath_Jack

It's just I've never seen anyone use potential repair costs into consideration, certainly not the amounts you suggested.

As for your 4 year old car, I'm in the same boat. My Merc has just turned 4 and I'm wrestling with upgrading, mostly due to a couple of blokes in my office have just had new ones (all on PCP). Keeping up the Jonses is alive and kicking

But, I haven't done 50k yet, and I'm thinking whats the point...


Also see my post re the Spanish taxi.

800,000 km and it didn’t rattle, shudder or squeak at all. Body work in pristine condition and no hint of issue with drivetrain.

Your four year old example isn’t even run in properly.

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Car PCPs on 21:42 - Sep 13 with 517 viewsNeath_Jack

Car PCPs on 21:29 - Sep 13 by Cooperman

Also see my post re the Spanish taxi.

800,000 km and it didn’t rattle, shudder or squeak at all. Body work in pristine condition and no hint of issue with drivetrain.

Your four year old example isn’t even run in properly.


Yeah it's still crisp, but it's like Monny says, a nice new shiny car...

As long as I can resist the temptation, the urge to upgrade normally passes after a week or so.

I want a mate like Flashberryjacks, who wears a Barnsley jersey with "Swans are my second team" on the back.
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Car PCPs on 21:47 - Sep 13 with 511 viewsmonmouth

Car PCPs on 20:43 - Sep 13 by londonlisa2001

Monnie, is that a really long way of saying you’ve worked out a brand. new car is more expensive than an older car

Funnily enough, I had a call from BMW this afternoon, wanting me to switch into a new car.

I’m interested in the post about an X1 as I’m considering one of those. I’ve had a small 1 series for the past 7 years (the second of them is due for renewal early next year) but since getting this one, I’ve acquired a dog which makes the 1 series a bit small now. The X1 looks like a potential good option.


Yes to first line 🤣🤣🤣🤣.

Ps my dad bought a previous model X1 (when he was 90 🙄🙄). He liked it. You’d have to check the dog likes it though. Estate version of a 3 series might suit better. The space is then in the horizontal plane rather than vertical.
[Post edited 13 Sep 21:56]

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Car PCPs on 22:02 - Sep 13 with 500 viewsexiledclaseboy

How come everyone on this thread has a BMW or a Merc? I’ve got a Vauxhall. What am I doing wrong?
[Post edited 13 Sep 22:04]

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Car PCPs on 22:07 - Sep 13 with 496 viewscontroversial_jack

Car PCPs on 22:02 - Sep 13 by exiledclaseboy

How come everyone on this thread has a BMW or a Merc? I’ve got a Vauxhall. What am I doing wrong?
[Post edited 13 Sep 22:04]


Mine is 10 year old
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Car PCPs on 22:07 - Sep 13 with 496 viewsNeath_Jack

Car PCPs on 22:02 - Sep 13 by exiledclaseboy

How come everyone on this thread has a BMW or a Merc? I’ve got a Vauxhall. What am I doing wrong?
[Post edited 13 Sep 22:04]


Being a tight arse?

I want a mate like Flashberryjacks, who wears a Barnsley jersey with "Swans are my second team" on the back.
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Car PCPs on 22:09 - Sep 13 with 494 viewsexiledclaseboy

Car PCPs on 22:07 - Sep 13 by Neath_Jack

Being a tight arse?


There’s definitely an element of that. I’d never even consider paying the amount a high end car would cost.

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Car PCPs on 22:15 - Sep 13 with 486 viewslondonlisa2001

Car PCPs on 21:47 - Sep 13 by monmouth

Yes to first line 🤣🤣🤣🤣.

Ps my dad bought a previous model X1 (when he was 90 🙄🙄). He liked it. You’d have to check the dog likes it though. Estate version of a 3 series might suit better. The space is then in the horizontal plane rather than vertical.
[Post edited 13 Sep 21:56]


Yes, I was considering an estate instead. Someone recommended an A4 estate as well.

Because I’m a complete short arse I thought I may like the height of an SUV type thing.
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Car PCPs on 22:19 - Sep 13 with 480 viewslondonlisa2001

Car PCPs on 22:09 - Sep 13 by exiledclaseboy

There’s definitely an element of that. I’d never even consider paying the amount a high end car would cost.


On a PCP though, the residual is higher as well as the initial cost, so the bit you finance isn’t that much different. A 1 series is only £6k or £7k higher than a Focus. And the residual is probably £4K higher. So spreading that £2k or £3k difference over 4 years doesn’t amount to much difference a month in what you pay.
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Car PCPs on 22:24 - Sep 13 with 474 viewsmonmouth

Car PCPs on 22:15 - Sep 13 by londonlisa2001

Yes, I was considering an estate instead. Someone recommended an A4 estate as well.

Because I’m a complete short arse I thought I may like the height of an SUV type thing.


Yeah they are nice to sit high in. My wife’s Kia Sportage is a fine car of that type too, and half the price of a beemer. She loves it. Swapped a 1 series convertible for it in fact and wouldn’t go back. I’d never thought of Kia, until we drove one, 7 year warranty and it drives really well. I’d be totally happy with that as a main car if I wasn’t an arsehole.

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Car PCPs on 22:35 - Sep 13 with 461 viewslondonlisa2001

Car PCPs on 22:24 - Sep 13 by monmouth

Yeah they are nice to sit high in. My wife’s Kia Sportage is a fine car of that type too, and half the price of a beemer. She loves it. Swapped a 1 series convertible for it in fact and wouldn’t go back. I’d never thought of Kia, until we drove one, 7 year warranty and it drives really well. I’d be totally happy with that as a main car if I wasn’t an arsehole.


I was looking at that as an option as well and like it, also a Nissan Qashqai.

I’m not that fussed on the make. I used to be, when I was in my thirties, but now I couldn’t give a toss, as long as it has sat nav, heated seats and a reversing beepy thing I’m good. My main attraction to something like a BMW is if I was hit on a motorway I’d feel it was well built. I’ve less idea about whether something like a Kia would be the same?
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Car PCPs on 22:40 - Sep 13 with 450 viewsmonmouth

Car PCPs on 22:35 - Sep 13 by londonlisa2001

I was looking at that as an option as well and like it, also a Nissan Qashqai.

I’m not that fussed on the make. I used to be, when I was in my thirties, but now I couldn’t give a toss, as long as it has sat nav, heated seats and a reversing beepy thing I’m good. My main attraction to something like a BMW is if I was hit on a motorway I’d feel it was well built. I’ve less idea about whether something like a Kia would be the same?


I think they all have full Ncap rating, crumple zones etc, but I don’t know the full sp. I know I reversed it into someone’s wall and the wall came off much worse....and that’s with reversing beepy things :)
[Post edited 13 Sep 22:41]

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Car PCPs on 11:17 - Sep 14 with 390 viewsCooperman

Car PCPs on 22:35 - Sep 13 by londonlisa2001

I was looking at that as an option as well and like it, also a Nissan Qashqai.

I’m not that fussed on the make. I used to be, when I was in my thirties, but now I couldn’t give a toss, as long as it has sat nav, heated seats and a reversing beepy thing I’m good. My main attraction to something like a BMW is if I was hit on a motorway I’d feel it was well built. I’ve less idea about whether something like a Kia would be the same?


A point re Qashqai’s - model changeover is next year and the last minor change of current model is complete. There won’t be many common faults on this vehicle that haven’t been re-engineered out. Therefore a Qashqai could be a great buy for someone looking for long term life out of the vehicle but not great for the short term owner as the new model coming next year will impact on residuals.

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Car PCPs on 12:25 - Sep 14 with 369 viewslondonlisa2001

Car PCPs on 11:17 - Sep 14 by Cooperman

A point re Qashqai’s - model changeover is next year and the last minor change of current model is complete. There won’t be many common faults on this vehicle that haven’t been re-engineered out. Therefore a Qashqai could be a great buy for someone looking for long term life out of the vehicle but not great for the short term owner as the new model coming next year will impact on residuals.


Thanks Cooperman - that’s really helpful. Probably not good for me then.

What’s your view on any of the small SUV type things? X1 vs GLA vs XC40 vs Q3? Boot space is important for me (or my dog) otherwise I’d be really tempted by the new Lexus UX (tiny boot). The others all seem pretty similar - although they do vary, they’re all much bigger than I have now.

Or would you recommend something like a Kia instead? I ask as you appear to be in the business - apologies if you’re not.
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Car PCPs on 18:07 - Sep 14 with 338 viewsCooperman

Car PCPs on 12:25 - Sep 14 by londonlisa2001

Thanks Cooperman - that’s really helpful. Probably not good for me then.

What’s your view on any of the small SUV type things? X1 vs GLA vs XC40 vs Q3? Boot space is important for me (or my dog) otherwise I’d be really tempted by the new Lexus UX (tiny boot). The others all seem pretty similar - although they do vary, they’re all much bigger than I have now.

Or would you recommend something like a Kia instead? I ask as you appear to be in the business - apologies if you’re not.


I am manufacturing sector (automotive tier 1) as opposed to retail so I only have a good handle on manufacturers that are in our customer portfolio. I’m generally not a fan of SUV’s either so my familiarisation with the platform is generally quite low.

What I will say though is space for the dog sounds like a pre requisite so check what meets that criteria first. Then have a think about what level of tech you want - those models that you quoted are all at different stages of their seven year production cycle and as such will have varying levels of ‘new’ tech such as the latest iterations of adaptive cruise control or lane departure avoidance control.

Don’t rule out a VW T-Roc either as you will almost certainly get more bang for your buck than with the Q3. This also applies to the Kia; Monny seems to speak very highly of his as does my mate who had one on contract.

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Car PCPs on 21:46 - Sep 14 with 309 viewsmonmouth

Kia residuals probably not great for pcp. It’s a car to buy and keep. For cash of 27k though you can get one with just about everything on it, DCT, genuine over 40 to the gallon mixed driving, a seven year warranty and three years free servicing. Ours was the 21k version and has most things like rear camera, sat nav, reversing sensors, but no heated seats because they are high quality cloth. I love the car and its Muttley type looks. Plus it is bulletproof. Wife put petrol in the diesel and drove 30 miles in it when it was a month old. It packed in just after she got it home. RAC drained it, filled it with diesel and it’s been absolutely fine since. RAC man said ‘I guessed that’s what you’d done, nothing else goes wrong with these things’. I know that’s not true but nice to hear.

Used it today in preference to my 6 series without thinking twice as couldn’t be bothered to spend a few minutes to transfer something we needed to bring between the cars. The interior is not shabby but not in the same class as the Germans, or the Lexus UX, which my wife also really likes the look of.

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Car PCPs on 17:44 - Sep 16 with 209 viewslondonlisa2001

Car PCPs on 18:07 - Sep 14 by Cooperman

I am manufacturing sector (automotive tier 1) as opposed to retail so I only have a good handle on manufacturers that are in our customer portfolio. I’m generally not a fan of SUV’s either so my familiarisation with the platform is generally quite low.

What I will say though is space for the dog sounds like a pre requisite so check what meets that criteria first. Then have a think about what level of tech you want - those models that you quoted are all at different stages of their seven year production cycle and as such will have varying levels of ‘new’ tech such as the latest iterations of adaptive cruise control or lane departure avoidance control.

Don’t rule out a VW T-Roc either as you will almost certainly get more bang for your buck than with the Q3. This also applies to the Kia; Monny seems to speak very highly of his as does my mate who had one on contract.


Sorry Cooperman - didn’t see this before.

Thanks very much. I’ve looked at the T-Roc - bit small. The Tiguan is an option (always recommended by ‘good cars if you have a dog’ type articles). Never had a VW although friends that have always seem to like them.
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Car PCPs on 19:01 - Sep 16 with 186 viewsNeath_Jack

Car PCPs on 21:46 - Sep 14 by monmouth

Kia residuals probably not great for pcp. It’s a car to buy and keep. For cash of 27k though you can get one with just about everything on it, DCT, genuine over 40 to the gallon mixed driving, a seven year warranty and three years free servicing. Ours was the 21k version and has most things like rear camera, sat nav, reversing sensors, but no heated seats because they are high quality cloth. I love the car and its Muttley type looks. Plus it is bulletproof. Wife put petrol in the diesel and drove 30 miles in it when it was a month old. It packed in just after she got it home. RAC drained it, filled it with diesel and it’s been absolutely fine since. RAC man said ‘I guessed that’s what you’d done, nothing else goes wrong with these things’. I know that’s not true but nice to hear.

Used it today in preference to my 6 series without thinking twice as couldn’t be bothered to spend a few minutes to transfer something we needed to bring between the cars. The interior is not shabby but not in the same class as the Germans, or the Lexus UX, which my wife also really likes the look of.


They are the company cars for the company I work for.

I've driven the Sportage model many times, and apart from the badge on the front, I found them faultless to be honest with you. They don't actually look too bad either.

I want a mate like Flashberryjacks, who wears a Barnsley jersey with "Swans are my second team" on the back.
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Car PCPs on 20:10 - Sep 16 with 171 viewsCooperman

Car PCPs on 19:01 - Sep 16 by Neath_Jack

They are the company cars for the company I work for.

I've driven the Sportage model many times, and apart from the badge on the front, I found them faultless to be honest with you. They don't actually look too bad either.


Better than that, I would say that the latest model looks tremendous.

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Car PCPs on 20:44 - Sep 16 with 162 viewsmonmouth

Car PCPs on 20:10 - Sep 16 by Cooperman

Better than that, I would say that the latest model looks tremendous.


Yeah, I love the manic grin the car gives me, but the looks do polarise. If Porsche had come up with it, it would be called genius. I was sat in an Audi Q5 today and I thought some of the finish was inferior to the Kia. Bits were better, but, with the interior and the experience of riding in it, if you put a cover over the four ringed death star on the steering wheel, you’d be hard pressed to say which was which, and certainly to explain why one cost twice as much as the other.

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