Section 75 cover on purchase (just) over 30k

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Mon 23 Jun 2025 19:04
Section 75 cover on purchase (just) over 30k - Chips with everything

Hi,

I'll be buying a car soon that's just over 30k, is there any way in which to get section 75 cover on it?

Many thanks.

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Mon 23 Jun 2025 19:11
Section 75 cover on purchase (just) over 30k - Orb>>.

Why not ask your card issuer, and buy it on a PCP, paying the deposit and if you are happy, then pay off the PCP.

My first thought for me is this......

If I am unsure about that expensive a car, I won't buy it.

But feel free to put us out of our misery.

What car is it and how old is it? Or negotiate the price down... I assume on a car of that value the dealer will have a healthy margin?

Or is this another question we can't answer as of others of late?

Edited by Orb>>. on 23/06/2025 at 19:19

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Mon 23 Jun 2025 19:20
Section 75 cover on purchase (just) over 30k - Falkirk Bairn

Section 75 of the Consumer Credit Act 1974 provides protection for credit card purchases, with specific limits. To be eligible, the item or service must cost more than £100 and not exceed £30,000. This means if a purchase falls outside these limits, Section 75 protection doesn't apply.

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Mon 23 Jun 2025 19:22
Section 75 cover on purchase (just) over 30k - daveyjp

For slightly over £30k negotiate hard and get it below £30k.

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Mon 23 Jun 2025 19:23
Section 75 cover on purchase (just) over 30k - Chips with everything

Thanks for the replies.

The Ts and Cs on the PCP offered mean that I'm not interested in that, but for others that may be a good tip.

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Mon 23 Jun 2025 19:23
Section 75 cover on purchase (just) over 30k - Maxime.

Example from Monetsaving expert.

forums.moneysavingexpert.com/discussion/6114808/se...0

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Mon 23 Jun 2025 19:34
Section 75 cover on purchase (just) over 30k - Chips with everything

love the typo. Someone should patent that website (if it isn't already).

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Mon 23 Jun 2025 19:27
Section 75 cover on purchase (just) over 30k - Chips with everything

It's a BMW iX3, 3 years old and very low mileage with FSH from a main dealer local to me. It's very specific what I'm after and this one is a keen price, although the trade in offered for mine was laughable. Hello WBAC!

Still after 2 hours of negotiating I believe that I've got the best deal possible. Two hours though!

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Mon 23 Jun 2025 19:40
Section 75 cover on purchase (just) over 30k - Orb>>.

I thought the iX3 had a good reputation. If it ticks your boxes then that's ok.

And if it is BMW main dealer I assume you will get a minimum 1 year BMW warranty?

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Mon 23 Jun 2025 19:46
Section 75 cover on purchase (just) over 30k - Chips with everything

Yes it's just me being paranoid. 1 year by default, I got 2 though the second half price. It'll be fine.

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Mon 23 Jun 2025 21:03
Section 75 cover on purchase (just) over 30k - Mr Mc

Pay on two separate cards. Two sets of Section 75 cover. Simples ;-)

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Mon 23 Jun 2025 21:25
Section 75 cover on purchase (just) over 30k - RT

Good luck finding a dealer that will accept payment by credit card - most refuse because of the high charges.

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Mon 23 Jun 2025 21:28
Section 75 cover on purchase (just) over 30k - catsdad

The last two dealers I used would not take more than an initial deposit via credit card. The fees they get charged are too high, they claimed.

PS just see above post…great minds…

Edited by catsdad on 23/06/2025 at 21:29

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