Another broker worth trying is coast2coast - when we were recently looking at a new Z4, C2C could do £7200 off list, our local dealer (after a bit of work) came to within £140 of that. As C2C use a BMW dealer in London (oh, the wonder of owner's forums on the internet), and we are in North Wales, we decided to stay local, and save having to drive down to pick up the car

My elder daughter had four Yarises on PCPs, each successive one slightly cheaper per month than the one before. If you're on a 3-year PCP, any time after 2 years can be a good time to change; the alternative is to keep it long-term and pay the 'balloon payment' at the end of the PCP contract. The car is then yours and you have the benefit of the 5-year warranty, BUT it will be more expensive when eventually you do want to change.

You can probably get an Auris for the same monthly payment, but possibly not the Hybrid. You'd have to work out how much cheaper to run the Hybrid is compared with a 'normal' petrol.

My daughter then changed to a Hyundai i10 which was much cheaper than another Yaris; she's been very happy with it and another is on order. You may like to look at the cost of an i20 or i30 compared with a Toyota - also perhaps a Skoda Fabia.

I'm curious about your reference to Munich - is it that BMWs don't concern you, or maybe you've just been saying the morning / evening prayer responses with 'Give peace in our time, O Lord' !

Edited by Avant on 24/04/2015 at 01:15

Basically no. Due to the margins its very unlikely. What you need to consider as your monthly payments. The cost of finance + devaluation i.e. the total payable is what you need to consider. look at contractcars.com alway have good deals. I would not be surprised if a auris would cost about the same monthly as your pay now.

"Avant, your daughter seems to enjoy changing her cars! Is this a knock-on effect of the PCP system, making it easy for dealers to tempt owners to change, maybe more often than they otherwise would?"

As always, finance is of course a vital consideration in buying cars but it isn't the only one. Olivia is a nanny who has great expertise in child care but none in car mechanics: she often has small children in her car and above all it needs to be reliable.

It makes sense to change towards the end of each 3-year PCP. After four 1.3 Yarises a Hyundai i10 1.2 was a lot cheaper and has done the job equally well: a new i10 is on order.