villa4europe Posted September 9, 2015 Share Posted September 9, 2015 I got it on my last car as they included it in my pcp, current car they wanted cash upfront so I haven't botheredIf I wrote my car off tomorrow I'd probably be about £10k out of pocket Link to comment Share on other sites More sharing options...
chrisp65 Posted September 9, 2015 Share Posted September 9, 2015 I have never bought tartan paint, a left handed screwdriver or gap insurance so far, I haven't missed any of them - the amount of pressure they will apply to get you to buy gap should give you some indication how much of it is commission Link to comment Share on other sites More sharing options...
BOF Posted September 9, 2015 Moderator Share Posted September 9, 2015 If you wear glasses you can upgrade to a matching prescription windscreen though 1 Link to comment Share on other sites More sharing options...
darrenm Posted September 9, 2015 Share Posted September 9, 2015 You definitely need gap insurance. Not from the dealer of course, ho ho ho.Just buy it online. £129 for my Auris to potentially save me £8k if it gets stolen or written off. Link to comment Share on other sites More sharing options...
chrisp65 Posted September 9, 2015 Share Posted September 9, 2015 I just read Auris as Airbus and spat out a little bit of my tea on the keyboard. 1 Link to comment Share on other sites More sharing options...
Stevo985 Posted September 10, 2015 VT Supporter Share Posted September 10, 2015 Gap insurance is a must.But like Darren said, don't get it through the dealer. Get it online. Link to comment Share on other sites More sharing options...
omariqy Posted September 10, 2015 Share Posted September 10, 2015 Thanks I will get it separately. They have offered me a 2 year old used BMW for £21k. It's top of the range with all the trimmings. Considering the biggest depreciation on the car has already happened I imagine that would be a pretty good deal on PCP? Marque:BMWModel:3 SERIES DIESEL SALOONVersion:320d M Sport 4dr Step AutoExterior Colour:Black SapphireInterior Colour:Black-Dakota LeatherModel Year:2013 63Body Style:SaloonEngine Capacity:2,000Mileage:20,600Transmission:AutomaticFuel Type:DieselPrice:£21,450 Link to comment Share on other sites More sharing options...
Stevo985 Posted September 10, 2015 VT Supporter Share Posted September 10, 2015 Are you doing this directly through the dealer omar? Or are you using one of those referral site thingamajigs Link to comment Share on other sites More sharing options...
omariqy Posted September 10, 2015 Share Posted September 10, 2015 It's a BMW Sytner dealer. Those referral sites only really deal with new cars. Link to comment Share on other sites More sharing options...
turnbull Posted September 10, 2015 Share Posted September 10, 2015 Well I've done something today that I never thought I'd do. No, not that, I've gone and bought a personalised reg number.Nothing too ostentatious, like something you have to explain in a message underneath, just a relevant number and my initials.Nice and cheap off the DVLA site. Link to comment Share on other sites More sharing options...
StefanAVFC Posted September 10, 2015 Author VT Supporter Share Posted September 10, 2015 Blimey Tony, that's a bit upmarket! 1 Link to comment Share on other sites More sharing options...
omariqy Posted September 10, 2015 Share Posted September 10, 2015 So details are as follows:- Cash Value - £21,450- Deposit - £4,000- APR - 9.2%- Flat Rate - 4.7% (I still don't know what this is)- 48 Months- GFV - £8,299- 8,000 miles- £282 pcm- Total charges at end of 4 years - £17,824 or £26,000 if I make the baloon paymentDoes that seem like a good deal. Also from what the guy said I could conceivably sell the car in 2 years time and settle the finance myself. Is that correct? Link to comment Share on other sites More sharing options...
turnbull Posted September 10, 2015 Share Posted September 10, 2015 Blimey Tony, that's a bit upmarket! Not that upmarket really, £250 all in. That's about the cheapest on there. You can buy your Dad one for Christmas! Link to comment Share on other sites More sharing options...
StefanAVFC Posted September 10, 2015 Author VT Supporter Share Posted September 10, 2015 Blimey Tony, that's a bit upmarket! Not that upmarket really, £250 all in. That's about the cheapest on there. You can buy your Dad one for Christmas! We'll see! 1 Link to comment Share on other sites More sharing options...
StanBalaban Posted September 11, 2015 Share Posted September 11, 2015 Been chatting with the Bentley dealership about ordering a Continental GT V8 to replace my departed Carrera 4S, and so got invited to a sneak preview of the new Bentayga 4x4 tonight.Got to say that it looks very much like the new Audi Q7 but bejazzled. No doubt it will sell like hotcakes, especially here, but was pretty underwhelmed. Without getting into the debate as to whether Bentley should be making an SUV at all, it's beautifully trimmed and built, but definitely someone that one can trace it's VW Group lineage to. Link to comment Share on other sites More sharing options...
darrenm Posted September 12, 2015 Share Posted September 12, 2015 So details are as follows:- Cash Value - £21,450- Deposit - £4,000- APR - 9.2%- Flat Rate - 4.7% (I still don't know what this is)- 48 Months- GFV - £8,299- 8,000 miles- £282 pcm- Total charges at end of 4 years - £17,824 or £26,000 if I make the baloon paymentDoes that seem like a good deal. Also from what the guy said I could conceivably sell the car in 2 years time and settle the finance myself. Is that correct?Depends on the car. APR seems a bit steep, my car is 0%. Also you need to be sure you're not going to go much over 8k PA on the mileage.You can settle the finance yourself at any time. The salesman is probably saying that you'll pay back past the value of the car in about 2 years, which is conceivable. 48 months is a long time to be tied in. They may be overestimating the GFV to get the balloon higher to get the payments down.Massive discounts are available on new cars through brokers. On a 2nd hand car you won't be getting the same level of discount.If you can get anywhere near that with a brand new car through a broker I'd be looking at that instead. Link to comment Share on other sites More sharing options...
omariqy Posted September 12, 2015 Share Posted September 12, 2015 Thanks mate, got a great quote for a new BMW 320d M Sport from coast2coast but the issue is you have to get the finance elsewhere. I am just going to wait till end of the month and decide then. Link to comment Share on other sites More sharing options...
TrentVilla Posted September 12, 2015 Moderator Share Posted September 12, 2015 So details are as follows:- Cash Value - £21,450- Deposit - £4,000- APR - 9.2%- Flat Rate - 4.7% (I still don't know what this is)- 48 Months- GFV - £8,299- 8,000 miles- £282 pcm- Total charges at end of 4 years - £17,824 or £26,000 if I make the baloon paymentDoes that seem like a good deal. Also from what the guy said I could conceivably sell the car in 2 years time and settle the finance myself. Is that correct?Regarding the last point, yes it is and you will almost certainly get a better deal by doing so. With my last one I was going to sell it privately then settle the finance rather than give it to BMW as I would have been left with some cash, in the end though I gave it to Audi in part ex and they gave me even more for it as they wanted my trade over BMW.PCP deals are pretty good but don't believe them when they come out with the old chestnut of "you'll probably have £x amount of your deposit back at the end of the 2 years to put into your next car" it won't happen.I've had a couple of PCP deals with Sytner and they are okay as long as you go into it with a good grasp of the deal which you will I'm sure.The 4.7% is the interest charge I believe. 1 Link to comment Share on other sites More sharing options...
darrenm Posted September 12, 2015 Share Posted September 12, 2015 Does it have to be BMW?For instance, I've just got a quote on DTD for an A5 coupe 190 S line TDI multitronic, £35k car discounted to £28k. Then the balloon will be more like £12k, and you'll probably be paying the same kind of monthly figure (or slightly more) as the APR would be more like 5% over 48 months with a £4k deposit. 2 Link to comment Share on other sites More sharing options...
TrentVilla Posted September 12, 2015 Moderator Share Posted September 12, 2015 The deals from Audi do seem to be better than BMW. Link to comment Share on other sites More sharing options...
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