ouch!

[danroly]

had my octy vrs a year at start of march.......love it but they aint cheap!

this month i will have paid out £1, 429 on the car

for tax, insurance,1st MOT, 2 new Vreds, a service and the monthly finance............and thats not including petrol or if owt needs doing on the car!!!!!

If i see you at the next meet and i bring my own fizzy drink you know why i'm being tight!

[devonutopia]

Could gocompare / indep garage / camskill have brought down the cost much?

[Guest westallc]

finance!!!! if you havent got the money dont buy it simple lol

unless it 0% that is lol or you will be paying silly silly silly money for it

[danroly]

finance!!!! if you havent got the money dont buy it simple lol

unless it 0% that is lol or you will be paying silly silly silly money for it

paying hardly owt over 2 yrs which means i got cash in the bank to spend on family.............put a huge deposit down so borrowed a tiny amount........ not that im justifying my own actions.

who doesnt pay finance of some kind................???? mortgage anone......unless you mega rich westalic? lucky you if you are

[danroly]

Could gocompare / indep garage / camskill have brought down the cost much?

got the tyres from camskill and what a good service that was £170 for 2 tyres plus £15 a corner to fit at ATS aint bad........better than $130 -£170 a tyre at kwick fit.

main cost insurance........£650 :'(

[blueR36]

got the tyres from camskill and what a good service that was £170 for 2 tyres plus £15 a corner to fit at ATS aint bad........better than $130 -£170 a tyre at kwick fit.

main cost insurance........£650 :'(

Are they sessantas < tyres> mine were £200, ins from more than £247 :no:

[Brimma]

main cost insurance........£650 :'(

I hope that was your annual renewal and not a monthly instalment

['daiking']

Could gocompare / indep garage / camskill have brought down the cost much?

Kick a man when he's down :yes:

[Stuart_J]

got the tyres from camskill and what a good service that was £170 for 2 tyres plus £15 a corner to fit at ATS aint bad........better than $130 -£170 a tyre at kwick fit.

main cost insurance........£650 :'(

For Insurance next time try Pace Ward http://www.pw-f.co.uk/content/view/17/79/ They specialise in quick cars for experienced drivers. If they ask how you heard of them say it was Stuart J on puregt.com

Im paying less than you, OK Im 50, but the cars a 350 Zed tuned to 500 bhp, modified suspension, brakes, Full Nismo body kit & it includes the option of track day cover on a meet by meet basis with a low excess, I also have 6 points

Edited 18 February, 2010 by Stuart_J

[danroly]

For Insurance next time try Pace Ward http://www.pw-f.co.uk/content/view/17/79/ They specialise in quick cars for experienced drivers. If they ask how you heard of them say it was Stuart J on puregt.com

Im paying less than you, OK Im 50, but the cars a 350 Zed tuned to 500 bhp, modified suspension, brakes, Full Nismo body kit & it includes the option of track day cover on a meet by meet basis with a low excess, I also have 6 points

nice car mate......................you could prob have a bugati veyron and still pay less than me.....................manchester awful for insurance. that quote was the chaepest by over £200 and i did have a good shufty around but cheers for the advice

[slider955i]

never mind next month will be cheaper

[banjostu]

i beleive Skoda do something where you pay so much a month and this covers service costs, parts labour etc and for a little more even replacement tyres! not sure if its only on new vehicles though. i get my new vrs on the 1st March and it is a policy i reckon i will certainly be taking out, we can all do without months like your having this month mate

[Raglits]

i beleive Skoda do something where you pay so much a month and this covers service costs, parts labour etc and for a little more even replacement tyres! not sure if its only on new vehicles though. i get my new vrs on the 1st March and it is a policy i reckon i will certainly be taking out, we can all do without months like your having this month mate

I was quoted £113 a month... Decided to put £50 a month to one side instead..

[pad953]

I was quoted £113 a month... Decided to put £50 a month to one side instead..

I hope that included fuel!

Edited 19 February, 2010 by pad953

[Raglits]

I hope that included fuel!

If it did, I'd have signed up on the spot... In the 6 weeks I've owned the car I've put over £400 of diesel in it :(

[Avalon]

finance!!!! if you havent got the money dont buy it simple lol

unless it 0% that is lol or you will be paying silly silly silly money for it

With the greatest respect I can understand why you say that but you're wrong.

1) I SAVED over £1800 by taking finance on my RAV as Toyota did a £2,200 contribution, I let it run a month then cleared it saving myself £1800 off what was at the time the cheapest new official XTR in the UK.

2) With my last car we'd just purchased a new DSG Golf for cash and i'd cleared my Graduate loan in the same week. I couldn't easily lay my hands on £2k without penalty or taking out some form of finance, the fuel costs on my old car were £4-500 a month, I could have held off making the purchase for 2-3 months and paid out £1200-1500 in fuel, had to tax and MOT my old car and change the front tyres and a new set of disc's/pads would be due in that time. Finance cost me less than £200 over the full term and my new fuel bill was £120-150 a month, that's £360-450 over 3 months or a saving of £840-£1050 saved on fuel alone.

What I would agree with is that the wrong finance is bad but when used correctly it's a very useful tool that can save you money.

Edited 20 February, 2010 by Avalon

[Stuart_J]

What I would agree with is that the wrong finance is bad but when used correctly it's a very useful tool that can save you money.

Yep.

And like buying the car itself shop around

Edited 21 February, 2010 by Stuart_J

[susi]

Is this a thread to share our car running costs with others? Or is it sympathy you want?

Here's mine:

Annual car tax - 128€

Diesel tax - 489€

Insurance - 770€ (includes the optional moose-collision waiver)

Service - 426,22€ (mine was yesterday)

This totals about 1800€ (about 150€ a month).

I plan to keep the car for 5 years, and assume 3500€ a year for depreciation (that's about 300€ a month).

So every month I put away 450€, and when the bills come (most arrive in August), then there's no shock

Someone once told me never to borrow money unless it was to buy something that would likely increase in value (=cars don't usually). He also told me, "if you don't have the cash to buy something, then you're trying to live beyond your means". I'm not preaching this to anyone, but it's worked ok for me so far in life, well of course it wasn't so nice going through the tough period driving an old wreck :( But getting in a position to be able to "create your own finance", should be everyone's target. You win twice, firstly by making interest on your monthly saving, then you win a second time by not having to pay out interest for the finance. Of course there are times when finance make sense, but these are just a couple of percent of all finance transactions.

[muckipup]

"Moose collision waiver" - I love it! I guess it must be a real risk in Finland

[susi]

"Moose collision waiver" - I love it! I guess it must be a real risk in Finland

Oh yes

Elk accident cover

The cover compensates for loss or damage caused directly

by a collision with an elk, reindeer or deer. The elk and deer

accident cover included in the Super Motor Insurance additionally

covers collisions with other wild animals. Elk accident

cover does not provide indemnity for damage that results from

avoiding a collision with animals. If the motor vehicle has

collision cover, the damage will be compensated for under

this insurance.

https://www.pohjola.fi/NR/rdonlyres/epric2yjldzlcdymelmvxxc4gnepmsnvhedv735ulxcniqdpcyey2ailkt3vmvxrasxefmpa6ufsibwilsxia7subbh/1017041.pdf

[muckipup]

Oh yes

https://www.pohjola.fi/NR/rdonlyres/epric2yjldzlcdymelmvxxc4gnepmsnvhedv735ulxcniqdpcyey2ailkt3vmvxrasxefmpa6ufsibwilsxia7subbh/1017041.pdf

Great! I have heard of insurance policies covering for an 'act of God'. I guess this one covers for an 'act of Moose' :p