Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
quote:
Originally posted by John
You can get GAP insurance without PCP.
|
Adster
Member
Registered: 8th Jul 10
Location: Leyland, Lancs
User status: Offline
|
quote:
Originally posted by Bonney
Think it just goes off what each car owes them/dealer mark up.
Thats how we do it at my work (im only a valeter like)
We sell cars, carvans and motorhomes.
Just had a ford KA come in on trade for a pug 206 and the car owes us something silly like £95 so were selling it for just over £100 to make abit of profit 
|
A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
|
318 petrol, Fuck me I'd be bored after the first month then realise I've still got 35 more at £350 a go.
My 318D M-Sport does my head in at times.
[Edited on 29-03-2012 by A2H GO]
|
Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
|
The badge on the bonnet should be all that matters though.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
quote:
Originally posted by Sunz
It's obviously the only way for some people to have peace of mind with their driving but if you really could afford the car wouldn't you just buy it ? (Most people claim they can "afford" the car)
I wouldn't go and look at cars over my price range, seems like something for people who live behond their means, always relying on that monthly pay check, never having any savings. 
Ok for a second suppose that this cars monthly payment is maybe just 5-6% of a households net income, its pretty insignificant. I'm not living outwidth my means i'm taking advantage of a good deal. I dont see any reason at all why i'd be better buying outright, my names still on the V5 as if I bought it, I get options in 3yrs whether to keep, trade or give back & moneys cheap to borrow just now might as well take advantage of it
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
quote:
Originally posted by A2H GO
318 petrol, Fuck me I'd be bored after the first month then realise I've still got 35 more at £350 a go.
My 318D M-Sport does my head in at times.
[Edited on 29-03-2012 by A2H GO]
Thats what the M3's for
I'm not wanting to give the wee one whiplash when racing away from the lights
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Remember all you 318i hatters..........less that goes on the family car the more I can splodge on my car, whether thats keep the M3 & tidy it up a bit or sell it mid summer & get something else. 
|
whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
|
318 actually is not that bad. not much between the 318i and 320i
I would have had the derv but i dont think you do the miles to justify it
|
CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
|
No that's not what I mean mate, surely if you HAVE pcp you don't need GAP? Hence because you don't own the car if it gets written off you don't owe anything? Or am I being daft?
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
If you write the car off you'll still be liable for the rest of the payments.
|
CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
|
Oh rite, so gaps still needed then...
Literally just seen a 320d coupe in a gorgeous blue colour 
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
Not sure you need GAP.
I never expect to get a brand new car if I crash my old one.
|
Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
|
nice car, think the 1.8 will be the biggest disappointing factor, that as well as its not an R8.
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
GAP insurance covers the difference between what the insurance company pay out and what you still owe should the car be stolen/written off iirc.
|
CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
|
quote:
Originally posted by Dave
GAP insurance covers the difference between what the insurance company pay out and what you still owe should the car be stolen/written off iirc.
That's what I mean...
|
whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
|
But GAP isn't required for a PCP. but dave is correct
|
CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
|
Arrrr righty ho
|
Sunz
Member
Registered: 12th Jan 07
Location: SE England
User status: Offline
|
quote:
Originally posted by Colin
Ok for a second suppose that this cars monthly payment is maybe just 5-6% of a households net income, its pretty insignificant. I'm not living outwidth my means i'm taking advantage of a good deal. I dont see any reason at all why i'd be better buying outright, my names still on the V5 as if I bought it, I get options in 3yrs whether to keep, trade or give back & moneys cheap to borrow just now might as well take advantage of it
It wasn't anything personal against you.
Just don't understand the whole thing of never owning something and paying off for it always, isn't something I can do, I either pay for it outright in cash or I don't bother, obviously it works for some people.
I like to have money in the bank for a rainy day or when a good deal comes up but guess you have that as well
Finance to me is a way of paying for something you cant afford outright and in that sense you can't afford it so why have it.
Just a way I have been brought up
|
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
|
good luck buying a house.
|
Gareth T
Member
Registered: 14th Feb 06
Location: newcastle
User status: Offline
|
quote:
Originally posted by Jambo
good luck buying a house.
I second what jambo said. with leasing cars end of the day if you want easy motoring and can afford to get something like what colins just got, you only live once so why not.
Btw nice motor colin.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Cheers Gareth
Pick her up Sunday............then back to work Monday 
|
whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
|
excellent - welcome to the white club
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
for people who don't like getting new cars on finance, i paid £2000 for my puma. i spent £300 on a starter motor repair, then the gearbox went. all in 18 months.
i pay £130 a month on the fiesta and don't need to worry about that stuff, and also get to drive a brand new car around for 2 years or until i part ex it for another new one.
in the grand scheme of things, £33 a week doesn't seem to much to have that peace of mind.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Exactly, one trouble free dispensable car on a manageable monthly payment & one older cool one is the future.
I'll be upgrading the M3 as & when possible & keeping the kids & shopping lugger exactly for that!!
|
Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
|
So just like renting a big widescreen television.
Do you'se do that aswell?? Have a house full of rented appliances, cooker, washing machine, the lot.
Sounds like it if thats you're outlook on renting a car. Same scenario in the grand scheme of things.
|
