Had a dealer yesterday being rather forceful with trying to sell PCP, I have cash to buy a new car outright but he was using every argument possible to tell me it was a ridiculous idea to use cash when PCP offered so many benefits...

I declined his PCP however wanted to know your views

His points from memory were -

1. Save your cash in case your roof blows off your house ( im insured!)

2. You can hand the car back at year 3 and walk away

3. You will loose more in depreciation if you own it outright

4. The interest rate is irrelevant because you hand the car back just see it as a cheap way to rent a car

5. Most customers go with pcp these days and save their cash for other things


I know my views on the above, hes obviously on a far better commission to sell pcp.

I never got written examples as was not reeled in by the above.

Any one good at maths that would like to prove or disprove his arguments ?


New car price with 3 year service package and 3 year warranty is £13500

Car will be worth £ x in three years and 30k of use whatever standard devaluation is )

Versus -

Pcp deposit in a £13500 car plus monthly repayment costs.


Which person is better off assuming at the end if three years the car is sold for cash so we can see who paid the most.

This is for interest only but of course may help other people make a decision.

Thanks in advance to anyone who replies


Read more

I've just bought a 65-plate Yaris and there is a light to the left of the steering wheel on constantly. It is orange and is a pic of a baby in a car seat. I rang the Toyota showroom and they said it wasn't a warning light.

Is there a way I can switch it off? Read more

With the current hoo haa around Brexit I wonder if it advisable to drive into France with a car bought only last week from an auction ie Mannheims.

No V5 yet as it can take 5 weeks for it to arrive from the DVLA.... Read more

Hi simple comparison - advice greatly received

Im in the market for a new Dacia Duster 2019

Decided on 2wd either Comfort or prestige model - my only concerns are

1) with the prestige is the lower profile tyres and 17 inch wheels ( will they give a harder ride?)

2) on the prestige it has the keyless entry is this more prone to theft?

3) diesel is a add blue is this a pain?

4) is the 1.3 petrol turbo a better bet or is the Diesel more drivable / torquey etc

Any thoughts? Any one experienced the cars ref the above?

Info - i travel two 18 mile trips per day 5 days a week and two 40 mile round trips at weekend. Always had diesels with no issues but aware of many nightmare story's on this formula with dpf etc. Current car Dacia Duster 2016 Diesel 51.000 miles so aware of what im buying and happy with choice its just the above to consider please. Thank you


Read more

Excellent article!.

Haven't had too much experience of mega mileage motors myself, but the first van i bought when i became a window cleaner was an Iveco Daily which had done 175k. I kept it for nearly a year, but decided it was far too big (though it was a SWB) and heavy duty (3.5t) for my needs. Really liked it though, loved the highly adjustable (and very comfy) seat, the truly epic heating/ventilation system, the 'london taxi' steering lock, and looking down on SUV drivers!. Read more