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Post by ChrisM on Aug 3, 2019 16:24:20 GMT
Still humming and ha-ing about what to do with the Kuga bearing in mind its very soft paint that scratches so easily and looks IMHO dreadful for a car that's only just over 2 years old, I made arrangements to be contacted when the facelifted X1 was available, and much to the surprise of the local dealer and me, they received their first one last week and booked me for a test drive this morning. The new oversized grille does not look too out of place on a black vehicle, and it's not at all bad to drive, feels narrower than the Kuga although the demo was a 2.0i petrol 2 wheel drive (FWD rather than RWD?) and felt somewhat sluggish, even being an auto. This may have been down to it having just a handful of miles on the clock, but it certainly did not feel particularly sports unlike the Kuga. It's more refined though and the road noise is less, plus it rides better with less suspension noise and it's smoother, less disturbed by the numerous potholes we encountered (no solo test drive here sadly, so even the route was predefined). Not so good that the car had so little range showing on it that the salesman had to send one of his colleagues out to half-fill it whilst we looked over spec level/standard equipment. If they can come up with somewhat better figures (4.9% APR, and no real talk of a discount for outright purchase) I may be interested; delivery is about 3 months (no unsold cars in stock on which they could do a great deal, unlike Ford!) and I'll also have to check out the insurance costs compared to the Kuga, but I'm half-tempted to treat myself to an early landmark birthday present, even if it means entering into another finance agreement for at least 3 years. Alternatively I may just buy the Kuga for the PCP settlement figure and wait a while. 
EDIT: And it's got Vauxhall indicators - the indicator lever moves back to the centre position when you release it... two positions, the usual first one for 3 flashes then the "normal" position for indicating which does not "click" into position but releases back to the central position. Weird.... Anyway by the time a few options are added the price is dangerously close to the £40k extra VED band... you even have to pay £50 to get a reasonable sized fuel tank in place of the standard one! My choice:  |
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Post by Bob Sacamano v2.0 on Aug 3, 2019 17:29:02 GMT
Tell them to work out the best finance deal they can. To get discount you need to take the finance and then pay it off a few weeks later.
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Post by Martin on Aug 3, 2019 18:42:49 GMT
So things aren’t so terrible then Chris?  Had a quick look on coast 2 coast cars and you can get a 16% discount, which includes £1,500 for going with the BMW PCP deal, but you can pay that off when you collect the car and keep the £1,500. So max our the £40k and you’d pay £33,600. |
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Post by ChrisM on Aug 3, 2019 21:15:58 GMT
i've stuck my build into Car Wow to see what comes back. Coast 2 coast price looks good compared to dealer, the amount to pay with 4.9% APR takes the total to pay back to list price
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Post by michael on Aug 3, 2019 21:17:40 GMT
You don’t seem in as bad a place as somebody who moans a great deal about how hard done by they are. Anyway, for around £30k drive the deal have an Audi Q3 or even a Volvo XC60 with 0% apr.
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Post by Martin on Aug 4, 2019 7:39:09 GMT
Personal Loan. Depending on spec, up to £8k down and £25k over 4 years at £550 a month and you own it at the end. Only £1500 interest in total so a decent saving.
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Post by ChrisM on Aug 4, 2019 16:58:56 GMT
£550 a month !!! I can't afford that ! Not at the moment anyway whilst helping elder daughter sort her life out after her painful separation.
I'd really prefer to be debt-free again and just pay off the PCP on the Kuga but you only live once... if I change now it would probably be the last change until I retire (assuming that I will be able to retire at 66 and that the Government don't raise the age again) and then I'd have to decide what to do afterwards, since I doubt that I could afford to run a "decent" car afterwards.
Saw younger daughter for lunch today and she's not keen on orange - is it likely to be good or bad for depreciation? (If I'd had my way the Captur would have been orange with a black roof). One CarWow offer has come back looking significantly better than the local dealer, and I must follow up Martins Coast2Coast info.
(it's not that I feel hard done by, I just wish I'd had a bit more good luck in life, like working for good employers, getting a pay rise every year etc)
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Post by racingteatray on Aug 4, 2019 17:14:41 GMT
I doubt orange is good for depreciation.
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Post by Bob Sacamano v2.0 on Aug 4, 2019 17:51:10 GMT
I don’t think that burnt orange will make much difference on depreciation, especially if you’re planning on keeping it in excess of 6 years. If you like the colour get it - I like it and it stands out from the the standard black, grey and silver.
I’m not sure I understand what your budget is, whether you plan on financing or buying outright? An outright purchase is not a attractive deal to a dealership so you'll get less discount.
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Post by ChrisM on Aug 4, 2019 17:53:16 GMT
Not enough money for outright purchase.... the Kuga has depreciated heavily but not so bad when you take the discounted price into consideration.
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Post by michael on Aug 4, 2019 17:57:09 GMT
I quite like the BMW orange. I was in Sainsbury’s recently and there were two Macans in the car park, one a bright metallic blue and the other a Kermit kind of green.
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Post by Martin on Aug 4, 2019 18:08:22 GMT
I quite like the BMW orange as well and if it’s on PCP then the colour won’t impact the GFV
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Post by ChrisM on Aug 4, 2019 21:02:26 GMT
One big sticking point I have just discovered - on review, the X1 does not have a water temperature gauge !
:-(
There appears to be just one orange X1 on sale second-hand in the Used BMW scheme, and it a petrol manual 2WD
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Post by bryan on Aug 4, 2019 21:28:22 GMT
Whilst they are preferable, when was the last time you needed to use a water temp gauge?
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Post by Roadrunner on Aug 4, 2019 21:40:42 GMT
The 1969 to 1976 Rolls-Royce Silver Shadow didn't have a temperature gauge, so you will be in good company.
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Post by Martin on Aug 4, 2019 21:52:45 GMT
Whilst they are preferable, when was the last time you needed to use a water temp gauge? Exactly and Oil temperature gauges / readings are much more useful. |
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Post by ChrisM on Aug 4, 2019 22:34:54 GMT
Whilst they are preferable, when was the last time you needed to use a water temp gauge? Every journey I drive - to check that the engine is warming up correctly. I've already posted that I've spotted issues in several cars over the years due to errant temperature gauge readings, including my parents 145 |
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Post by Bob Sacamano v2.0 on Aug 5, 2019 7:36:32 GMT
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Post by Martin on Aug 5, 2019 8:05:05 GMT
£550 a month !!! I can't afford that ! Not at the moment anyway whilst helping elder daughter sort her life out after her painful separation. I'd really prefer to be debt-free again and just pay off the PCP on the Kuga but you only live once... if I change now it would probably be the last change until I retire (assuming that I will be able to retire at 66 and that the Government don't raise the age again) and then I'd have to decide what to do afterwards, since I doubt that I could afford to run a "decent" car afterwards. If you go for used, it would be a lot less than £550 a month, plus you wouldn’t have to save for the next deposit / purchase of a cheaper car / paying off the PCP because after 4 years you’d own it outright and could keep it for as long as you want. |
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Post by johnc on Aug 5, 2019 8:42:00 GMT
Whilst they are preferable, when was the last time you needed to use a water temp gauge? Every journey I drive - to check that the engine is warming up correctly. I've already posted that I've spotted issues in several cars over the years due to errant temperature gauge readings, including my parents 145 Water temperature is not a good indicator of whether the engine has warmed up. Oil temperature is the one you need to watch. If you have a car with both water and oil temperature gauges, you will find water reaches working temperature but oil can still be dangerously cool for full bore acceleration. |
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Post by Tim on Aug 5, 2019 9:47:51 GMT
The Glasgow one is 'S Drive' which I think means 2wd but in X Line trim which means, well, God knows what!! |
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Post by Martin on Aug 5, 2019 9:51:41 GMT
X Line trim means satin chrome bits and a bit more ‘off road’ looking. They look better with the black trim.
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Post by racingteatray on Aug 5, 2019 10:24:50 GMT
By any measure £550/month is quite a lot. That's £6,600 pa. For a higher rate tax payer, that would consume £11k of pre-tax income. Even for basic rate, it's knocking on for £8.5k.
Which begs the question of what percentage of income is sensible to allocate to a wasting asset like a new car. If one has spare money going begging then fine, but otherwise I'd counsel caution.
Of course, it depends how much you use your car. If you do Martin-mileage, then I can see the sense in spending more. If you do my mileage (circa 6-7k pa), then there really isn't any.
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Post by ChrisM on Aug 5, 2019 10:58:00 GMT
By any measure £550/month is quite a lot. That's £6,600 pa. For a higher rate tax payer, that would consume £11k of pre-tax income. Even for basic rate, it's knocking on for £8.5k. Which begs the question of what percentage of income is sensible to allocate to a wasting asset like a new car. If one has spare money going begging then fine, but otherwise I'd counsel caution. Of course, it depends how much you use your car. If you do Martin-mileage, then I can see the sense in spending more. If you do my mileage (circa 6-7k pa), then there really isn't any. Indeed - I am not a high rate tax payer, but I do like having a nice car ! It gets harder each year to justify spending money on a car with all the other crap going on in my life at the moment, but OTOH you only live once, In theory I have just "a few" years to go until I retire when I am most likely to downsize to just the Fiesta, and anyway legislation is likely to outlaw "decent" car engines in the not-too-distant future. If only I could afford a Mustang for a few years !! |
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Post by bryan on Aug 5, 2019 11:03:00 GMT
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Post by ChrisM on Aug 5, 2019 11:05:16 GMT
I like the idea of the one with "front censors" !! |
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Post by bryan on Aug 5, 2019 11:07:04 GMT
It blocks out anything offensive in front of you! - maybe even BMWs new nose treatment and the RR Cullinan if you're lucky!
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Post by Martin on Aug 5, 2019 11:50:03 GMT
By any measure £550/month is quite a lot. That's £6,600 pa. For a higher rate tax payer, that would consume £11k of pre-tax income. Even for basic rate, it's knocking on for £8.5k. Which begs the question of what percentage of income is sensible to allocate to a wasting asset like a new car. If one has spare money going begging then fine, but otherwise I'd counsel caution. Of course, it depends how much you use your car. If you do Martin-mileage, then I can see the sense in spending more. If you do my mileage (circa 6-7k pa), then there really isn't any. I agree, but you wouldn’t have to save for the next deposit, which based on the £8k deposit / 4 year assumption is £166 a month, so the £550 drops to £380 and you’d have more than £8k equity in the car so the next one would be even less per month. |
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Post by Tim on Aug 5, 2019 12:07:40 GMT
I like the grey hardtop Mustang! I might send that link to Mrs Tim.......  |
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Post by racingteatray on Aug 5, 2019 12:57:22 GMT
By any measure £550/month is quite a lot. That's £6,600 pa. For a higher rate tax payer, that would consume £11k of pre-tax income. Even for basic rate, it's knocking on for £8.5k. Which begs the question of what percentage of income is sensible to allocate to a wasting asset like a new car. If one has spare money going begging then fine, but otherwise I'd counsel caution. Of course, it depends how much you use your car. If you do Martin-mileage, then I can see the sense in spending more. If you do my mileage (circa 6-7k pa), then there really isn't any. Indeed - I am not a high rate tax payer, but I do like having a nice car ! It gets harder each year to justify spending money on a car with all the other crap going on in my life at the moment, but OTOH you only live once, In theory I have just "a few" years to go until I retire when I am most likely to downsize to just the Fiesta, and anyway legislation is likely to outlaw "decent" car engines in the not-too-distant future. If only I could afford a Mustang for a few years !! If you kept to the Fester now and saved the monthlies, you could have a Mustang when you retire?
I just think of my FiL, who decided upon retiring and giving up his company E-Class, that he would downsize to a Grande Punto because "he didn't need anything bigger or better". That didn't last. He ended up upgrading to a Qashqai and is now talking about chopping that in for an X-Trail.
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