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Post by Martin on Jan 19, 2022 14:48:06 GMT
I don't think anyone does this through an employer? I know John and Garry take advantage of putting cars through the business, but I assume that gives you more control. Reason for asking is Lindsay's employer had a scheme in place and she mentioned it before Christmas and said a lot of people were joining the scheme, even those with company cars. I've now got the detail and access to the configurator/cost calculator and it's certainly interesting, although the tax saving and therefore net cost would be even better if my employer offered it. The part that I'm unsure about is it's an all inclusive cost, great on the budgeting side, but I guess you'd lose any no claims built up (Lindsay has been claim free for 19 years) and I remember the days of my old employer sending my car to backstreet garages, arguing over tyres....I like to be in control, have a set of winter tyres etc. The other downside is with it being a 'Green Car Scheme' (not that any other would work financially), the only options are EV and PHEV. I've struggled for ages to get excited about anything to replace the Golf with as it is. My sketchy plan when I bought my current car was to run that for 3-3.5 years until the eldest two were driving and I no longer needed to do 10-12k miles a year travelling to Swindon and back or require such a large car. Then I'd swap the budgets around, get Lindsay into a family wagon of some description, which I'd also use for work a fair bit and I'd buy something more fun/a treat (Boxster 4.0, 911, Vantage....etc). Using a figure I've got in mind as a depreciation budget for the Golf replacement and looking at the scheme, on a 36 month/60k deal we could either save £200-300 be getting a midsize EV, ie Polestar 2 AWD with all the packs, Model Y LR, EV6 GTS etc. Or increase the term to 48 months/80k and save just under £100 and get a well specced i4 M50 or ETRON 55. Problem is, the only EV I really think work based on all the colleagues I have with them, are Teslas and whilst it is very practical (more boot space than my car in total), it's not a car I can get very excited by. The i4 is more interesting, but I just couldn't but a car with that front end, I think rear headroom wouldn't be enough and the real world range is supposed to be terrible. I've read people are getting sub 200 miles in this weather, colleagues in the latest Model 3 LR are getting very close to 300 miles at the moment. A Taycan would mean increasing the budget by £200+, it broke the configurator when I brought it up to Martin Spec, as it exceeded the maximum insurance cost due to list price....you have to call to get a quote! All those costs take into account the saving on fuel from running an EV, inflated a bit to take some electricity cost increases into account. The other benefit would be sticking away rather than spending the £20k+ (currently £25k) the Golf would sell for plus the money I've got put to one side to replace it. Looking at PHEVs, a broadly Jeff spec 530e would be just within budget providing it was a 4 year/80k deal or I could go full on Ed and get a XC90 T8 Ultimate Dark (what a name...it means it has everything available as standard inc the B&Q speakers and no chrome) with the new bigger battery/motor which means 41+ mile range and 450hp. That would even be under budget (it's over £200 a month less than a mid spec X5 45e) on a 3 year/60k deal, which I'd prefer. It would also mean the current family requirements would be covered, I could sell my car at barely a loss vs what I paid for it 20 months/25k miles ago and I could treat myself a couple of years early.... There are obviously a number of other options in and around that as well. Just musings / thinking out loud really rather than serious thoughts at the moment, you know what it's like when you are given access to a configurator!!  |
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Post by johnc on Jan 19, 2022 15:45:26 GMT
Quite a few employers are doing this at the moment but it only works because of the very low BIK for EV's and 40 mile plus PHEV's. If an EV would not fit in to your life then stay away and just keep planning for your normal fleet changes. However if you can find a way to fit in an EV or PHEV then it is a no brainer cost wise. Salary sacrifice also saves the employer 13.8% in NI but probably only 2% for the employee (increasing to 15.05% and 3.25% after April!!)
If you have range anxiety I think a PHEV is the only way to go. A client recently got a Lexus NX450h+ and whilst it isn't my kind of car, it is exceptionally well finished without being daft money (around £58K).
If I were you I would be getting my name down for a Boxster GTS and spend the time waiting for it to work out what to do about the other car!
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Post by PetrolEd on Jan 19, 2022 15:48:28 GMT
Nice option to have. Of the Electric offerings I'd be tempted by the Kia EV6 or the Polestar 2 which both look great to my eyes. A Taycan Sport Cross thing would be cool but don't think the range is anything special when compared to a Tesla. Model X on the list?
I would be tempted by moving Lindsay into the family bus and free up the budget for your car. How would she feel about going full on mummy with the XC90? I think they look great and the quality's up their but you might have a melt down on the tech which is way behind BMW and its not exactly sporting to drive. I do stand by the fact they are the best looking full size SUV.
Budget then freed up for a 911 which you can use on weekends and when working localish. When you need to swap cars with the missus the 911 will happily take the little ones car seat and can do the nursery run and shopping trips.
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Post by Martin on Jan 19, 2022 16:45:50 GMT
Quite a few employers are doing this at the moment but it only works because of the very low BIK for EV's and 40 mile plus PHEV's. If an EV would not fit in to your life then stay away and just keep planning for your normal fleet changes. However if you can find a way to fit in an EV or PHEV then it is a no brainer cost wise. Salary sacrifice also saves the employer 13.8% in NI but probably only 2% for the employee (increasing to 15.05% and 3.25% after April!!) If you have range anxiety I think a PHEV is the only way to go. A client recently got a Lexus NX450h+ and whilst it isn't my kind of car, it is exceptionally well finished without being daft money (around £58K). If I were you I would be getting my name down for a Boxster GTS and spend the time waiting for it to work out what to do about the other car! I think the only EV that would work would be a Tesla at the moment, which is not a good looking car and the reviews of the Model Y all slate the ride. Going for a PHEV then placing an order on something for me and running either mine of the Golf while I wait does make the most sense. Financially anyway. Although the most financially sensible thing to do is sell the Golf, put Lindsay in an EV and keep mine. |
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Post by Martin on Jan 19, 2022 16:55:43 GMT
Nice option to have. Of the Electric offerings I'd be tempted by the Kia EV6 or the Polestar 2 which both look great to my eyes. A Taycan Sport Cross thing would be cool but don't think the range is anything special when compared to a Tesla. Model X on the list? I would be tempted by moving Lindsay into the family bus and free up the budget for your car. How would she feel about going full on mummy with the XC90? I think they look great and the quality's up their but you might have a melt down on the tech which is way behind BMW and its not exactly sporting to drive. I do stand by the fact they are the best looking full size SUV. Budget then freed up for a 911 which you can use on weekends and when working localish. When you need to swap cars with the missus the 911 will happily take the little ones car seat and can do the nursery run and shopping trips. The Model X isn't available in the UK at the moment. I like both the EV6 and Polestar 2 as well and that size of car would be fine when the oldest two are driving, but to get one now would mean holding onto the Range Rover for up to 2 years. Which is fine and what I'd planned to do anyway. Lindsay has already agreed to run the family car next time we change, but I'm not sure how she'd feel about a mummy wagon. Not very happy I think, but if it came with a Porsche for her to drive as well it might be different. She really misses the Boxster and regrets selling it, which we had to do as funds wouldn't allow us to keep it at the time. The tech has just changed a bit I think, it's gone Google which I assume means it has the infotainment from the Polestar and XC40? The Ultimate spec isn't shot of much kit wise as well, with air suspension, voodoo lights, B&W, panoramic roof, nappa leather, ventilated/massage seats, HUD, surround view etc. But I'd have to use it for work quite a bit, although with the new job I've got a lot more local sites. The closest at the moment is 75 miles away and the ones I go to most are 100/150 each way, I'll have at least 12 sites less than 60 miles from home and the second biggest is 6 miles from home. The biggest change will be when I'm not driving to/from Swindon, that's over 10,000 miles a year. Family car + 911 would work pretty well I think, even more so in the future. |
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Post by chipbutty on Jan 19, 2022 17:25:49 GMT
Based on the scheme my missus has access to - I can't see how the PHEVs make any sense when you include the BIK charge you will incur. I did some basic maths on the PHEVs offered and the saving vs a traditional lease is blown out the water when you include BIK.
Sourcing an EV only makes sense if the BIK remains very low - if you are locked into a 4 year SS lease how confident are you that Rishi won't crank the rate ?
What I also noticed was that Teslas were relatively expensive when compared with the Taycan and the Audi E-Tron - particularly the Model S.
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Post by Martin on Jan 19, 2022 18:27:29 GMT
Based on the scheme my missus has access to - I can't see how the PHEVs make any sense when you include the BIK charge you will incur. I did some basic maths on the PHEVs offered and the saving vs a traditional lease is blown out the water when you include BIK. Sourcing an EV only makes sense if the BIK remains very low - if you are locked into a 4 year SS lease how confident are you that Rishi won't crank the rate ? What I also noticed was that Teslas were relatively expensive when compared with the Taycan and the Audi E-Tron - particularly the Model S. The lease costs on this particular scheme do look high compared to what you could get yourself. The EV net cost (after pessimistic fuel savings over 20k miles/yr) are quite a bit lower than the PHEVs, around £200 a month on the couple of examples I've looked at. The lease costs are more expensive though, especially Teslas as you've seen. e.g. Based on 3 years, 20k miles, all inclusive inc insurance....Model Y LR with a list price of £56k has a lease cost of £1,365 vs £1,308 for an £80k XC90 on the same terms. Easy to compare the Volvo as they have the scheme that includes everything and they want £1,129, so the company lease deal is nearly £6,500 more expensive over 36 months. A PHEV with 40+ miles range drops to 8% BIK, so there's only a £60-£120ish a month difference on the BIK vs an EV at 2% depending on which tax band you're in. As a 'buy it yourself' comparison, appreciating that used prices are plain silly at the moment, using the residual in the BMW PCP calculator on Autotrader and assuming a cash purchase. The cost of depreciation plus estimated running cost for well specced, low mileage '70 plate X3 M40d would be about £160 a month more than the salary sacrifice XC90. A new decent spec (£72k list) 530e Estate would be £230 a month cheaper than a discounted BMW PCP over 4 years/80k miles, an £11k saving in total. |
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Post by ChrisM on Jan 19, 2022 20:06:04 GMT
..... it has everything available as standard inc the B&Q speakers and no chrome) The DIY sound system upgrade ?? |
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Post by chipbutty on Jan 19, 2022 21:43:20 GMT
I was looking at RRS P400e and the A8 PHEV  but are there any plus 40 mile range PHEVs you would actually want to drive ? |
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Post by Martin on Jan 19, 2022 22:06:06 GMT
I was looking at RRS P400e and the A8 PHEV  but are there any plus 40 mile range PHEVs you would actually want to drive ? Well, neither of those options appeals to me, so I think you’ve had a lucky escape with the BIK impact! I’ve not driven a 40+ mile PHEV, so I don’t know. |
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Post by chipbutty on Jan 20, 2022 6:57:52 GMT
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Post by PetrolEd on Jan 20, 2022 8:59:36 GMT
Nice option to have. Of the Electric offerings I'd be tempted by the Kia EV6 or the Polestar 2 which both look great to my eyes. A Taycan Sport Cross thing would be cool but don't think the range is anything special when compared to a Tesla. Model X on the list? I would be tempted by moving Lindsay into the family bus and free up the budget for your car. How would she feel about going full on mummy with the XC90? I think they look great and the quality's up their but you might have a melt down on the tech which is way behind BMW and its not exactly sporting to drive. I do stand by the fact they are the best looking full size SUV. Budget then freed up for a 911 which you can use on weekends and when working localish. When you need to swap cars with the missus the 911 will happily take the little ones car seat and can do the nursery run and shopping trips. Well if you can get out of your Range Rover now without costing you much. I assume you've done very well residually given the current market? And into that 911 you posted yesterday then I' jump at it. Volvo is a compromise but if you'll probably find it fits into your life very nicely. Its a fab motorway cruiser, not as plush as a Rangie obviously but the best family bus on the market. I have got 7 six footers in the car and those in the 3rd row were mighty impressed with its space. |
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Post by Martin on Jan 20, 2022 10:30:45 GMT
Based on the current Motorway estimate, I could get out of mine for less than £2k under what I paid for it 20 months ago and I’ve more than trebled the mileage. But, Model Y aside perhaps, lead times are 6 months plus so the figures will change. But I can’t see it being anything other than a lot better than I expected when I bought it. If we didn’t get something big family size, then it will have to stay for even longer. But as I said, that’s no hardship as it’s a great car.
Good / interesting feedback on the XC90x will have to go and have a look at one.
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Post by PG on Jan 20, 2022 20:31:48 GMT
As Pete said, the benefit of these recent salary sacrifice for an "eco" model are based on the low BIK rates. I'd be very wary of those low rates for PHEV's being there for the full term of a lease. Whilst a 40+mile PHEV is 8% today, when 60+ mile PHEV's become available, that'll be the one that gets the best BIK treatment, others will start to pay more. And so on. History shows that relying on stability, common sense or reasonableness from HMG when it comes to all aspects of car taxation is a lost cause.
And to add to your thought, call me a snob but after a full fat RR, a Volvo XC90 is just a posh bus (sorry Ed, but IIRC I think that's pretty much what you've called it in the past!). I reckon that your best bet, if you choose to go down this route, is to get a Tesla Y for a good BIK saving and keep the RR. You can then use either for your journeys or for family use.
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Post by garry on Jan 21, 2022 14:53:02 GMT
John might be able to shed more light on this, but I thought BIK tax rates are going to remain at at 2022/23 levels for an additional two years - so you know what you're paying through to 2025.
I cant see how the scheme makes much sense unless you go full EV - you'll be at 8% bik for the most efficient plug in hybrids which turns into quite a chunk of cash if you're a higher rate tax payer. A BMW x5 45e is just under £200 per month in BIK for me.
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Post by johnc on Jan 21, 2022 15:32:01 GMT
Garry is right. The rates are now frozen at 2022/23 rates until 2024/25.
Apologies about the table which I can't get to paste properly but it shows rows for cars with zero emissions, then hybrids with less than 50g Co2 with more than 130 mile range, then hybrids that will do between 70 and 129 electric miles and the bottom one is for hybrids with an electric range between 40 and 69 miles and so on.
Cars registered before 6 April 2020:
CO2 (g/km)
Electric range (miles)
2020-21 (%)
2021-22 (%)
2022-23 (%)
2023/24 (%) 2024/25 (%)
0 N/A 0 1 2 2 2
1-50 >130 2 2 2 2 2
1-50 70-129 5 5 5 5 5
1-50 40-69 8 8 8 8 8
1-50 30-39 12 12 12 12 12
1-50 <30 14 14 14 14 14
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Post by Martin on Jan 21, 2022 20:55:46 GMT
John might be able to shed more light on this, but I thought BIK tax rates are going to remain at at 2022/23 levels for an additional two years - so you know what you're paying through to 2025. I cant see how the scheme makes much sense unless you go full EV - you'll be at 8% bik for the most efficient plug in hybrids which turns into quite a chunk of cash if you're a higher rate tax payer. A BMW x5 45e is just under £200 per month in BIK for me. £200 a month company car tax isn’t exactly a chunk of cash, not compared to what is used to be. As I’ve said, the EV lease charges are high, so the only saving from having something like the Model Y vs XC90 is fuel saving. With electricity prices changing, that gap will narrow but will still be a gap. If I was just replacing the Golf and look8ng to save some money, I’d probably get a top spec Polestar and keep the Range Rover for a while longer. Still might do that. I’ve not even spoken to Lindsay about it yet, although she will go with what I want when it comes to cars. But I do value her opinion (of course) although it’s sometimes difficult to get a strong view as she wants me to get what I want…. I knew about the BIK rates be8ng fixed, one of the reasons I’m thinking a 3 year deal but the other is things are changing / moving so quickly at the moment. |
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Post by Alex on Jan 21, 2022 20:56:39 GMT
The Octavia PHEV I've ordered has a range of 41 miles so I'm more than happy for BIK to be T 8% for its entire 3 year lease. I'm expecting that if I'm still with my employer and getting a car by 2025 it will be an EV I choose next.
As for you Martin I don't know if I can offer any more than anyone else has but given your new found additional income following your promotion I think you're best served just working out the car you like best with least compromises and worry about the finances afterwards, taking advice from your accountant regarding the possibility of using salary sacrifice and BIK to work out if its best for the car you choose. But don't let the tail wag the dog if it means opting for a car that's not what you really want.
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Post by Martin on Jan 21, 2022 21:00:57 GMT
The Octavia PHEV I've ordered has a range of 41 miles so I'm more than happy for BIK to be T 8% for its entire 3 year lease. I'm expecting that if I'm still with my employer and getting a car by 2025 it will be an EV I choose next. As for you Martin I don't know if I can offer any more than anyone else has but given your new found additional income following your promotion I think you're best served just working out the car you like best with least compromises and worry about the finances afterwards, taking advice from your accountant regarding the possibility of using salary sacrifice and BIK to work out if its best for the car you choose. But don't let the tail wag the dog if it means opting for a car that's not what you really want. I agree with you Alex, getting the right end result is the most important. Although there is always some compromise. I’m not thinking / planning on spending any more than the budget I already had in mind before work changes, just swapping it around. Holidays are a higher priority and hopefully we’ll have planning permission granted for an extension early next week….. |
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Post by garry on Jan 21, 2022 21:44:56 GMT
John might be able to shed more light on this, but I thought BIK tax rates are going to remain at at 2022/23 levels for an additional two years - so you know what you're paying through to 2025. I cant see how the scheme makes much sense unless you go full EV - you'll be at 8% bik for the most efficient plug in hybrids which turns into quite a chunk of cash if you're a higher rate tax payer. A BMW x5 45e is just under £200 per month in BIK for me. , not compared to what is used to be. As I’ve said, the EV lease charges are high, so the only saving from having something like the Model Y vs XC90 is fuel saving. With electricity prices changing, that gap will narrow but will still be a gap. If I was just replacing the Golf and look8ng to save some money, I’d probably get a top spec Polestar and keep the Range Rover for a while longer. Still might do that. I’ve not even spoken to Lindsay about it yet, although she will go with what I want when it comes to cars. But I do value her opinion (of course) although it’s sometimes difficult to get a strong view as she wants me to get what I want…. I knew about the BIK rates be8ng fixed, one of the reasons I’m thinking a 3 year deal but the other is things are changing / moving so quickly at the moment. I have an allergic reaction to giving the taxman a penny more than I need to ! |
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Post by Martin on Jan 21, 2022 21:54:46 GMT
£200 a month company car tax isn’t exactly a chunk of cash, not compared to what is used to be. As I’ve said, the EV lease charges are high, so the only saving from having something like the Model Y vs XC90 is fuel saving. With electricity prices changing, that gap will narrow but will still be a gap. If I was just replacing the Golf and look8ng to save some money, I’d probably get a top spec Polestar and keep the Range Rover for a while longer. Still might do that. I’ve not even spoken to Lindsay about it yet, although she will go with what I want when it comes to cars. But I do value her opinion (of course) although it’s sometimes difficult to get a strong view as she wants me to get what I want…. I knew about the BIK rates be8ng fixed, one of the reasons I’m thinking a 3 year deal but the other is things are changing / moving so quickly at the moment. I have an allergic reaction to giving the taxman a penny more than I need to ! Don’t even get me started on that subject, unfortunately I’m a salaried employee so I don’t have much choice and they take, I don’t give!  All I’ve looked at is net cost, best not to think about anything else. |
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Post by PG on Jan 22, 2022 22:23:46 GMT
.. A BMW x5 45e is just under £200 per month in BIK for me. £200 a month company car tax isn’t exactly a chunk of cash, not compared to what is used to be. .... I guess it also depends how big the salary sacrifice has to be to add to the £200 cash to the taxman. Is the sacrifice the same as the lease cost? |
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Post by Martin on Jan 22, 2022 22:42:51 GMT
£200 a month company car tax isn’t exactly a chunk of cash, not compared to what is used to be. .... I guess it also depends how big the salary sacrifice has to be to add to the £200 cash to the taxman. Is the sacrifice the same as the lease cost? Yes, you ‘sacrifice’ the lease cost which includes everything (insurance as well), so that reduces your taxable income (let’s say by c£1300 on my examples above) and then you pay tax as if it’s a company car. So the £200 is a lot less than the tax saving on £1300 a month income, but the lease costs are pretty high which eats into the real saving a bit. Despite the high lease costs, you’re well into the £hundreds a month vs leasing or buying yourself. As it’s through the company, they have all your income details / tax code etc, so you configure the car and it tells you the net cost, so really easy to compare options. |
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Post by PG on Jan 24, 2022 12:26:04 GMT
I guess it also depends how big the salary sacrifice has to be to add to the £200 cash to the taxman. Is the sacrifice the same as the lease cost? Yes, you ‘sacrifice’ the lease cost which includes everything (insurance as well), so that reduces your taxable income (let’s say by c£1300 on my examples above) and then you pay tax as if it’s a company car. So the £200 is a lot less than the tax saving on £1300 a month income, but the lease costs are pretty high which eats into the real saving a bit. Despite the high lease costs, you’re well into the £hundreds a month vs leasing or buying yourself. As it’s through the company, they have all your income details / tax code etc, so you configure the car and it tells you the net cost, so really easy to compare options. Surely what you are "losing" is the after tax income from the £1300 salary sacrifice? So you have to compare the loss in net income plus the BIK v's the car lease you already have. Depending on where you are in the higher rate / upper rate / NI upper limit mind-boggling matrix of tax-hyper-crappish-ness, a sacrifice of £1300 per month could reduce your next income by about £750 maximum. Add that to the £200 BIK and that gets expensive in my view. Plus are your employer pension contributions worked out on the new sacrificed lower salary? In which case you are losing your employer pension contribution as well. And what if you got made redundant - which salary do they use? |
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Post by Martin on Jan 24, 2022 12:53:20 GMT
Too many questions, but I’ll need to get the answers to some of them!  . If I start to take it seriously I’ll have a proper read through the T&C’s, the pension contribution question in particular. It’s all built into Lindsay’s employers intranet in the benefits section along with everything else you can have from cycle to work schemes to dental plans. It takes your income and tax code into account, so when you spec a car and choose the term/mileage it gives you a full breakdown and shows the net figure which details the impact on tax and NI as well as company car tax. |
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Post by Martin on Jan 24, 2022 16:44:10 GMT
Yes, you ‘sacrifice’ the lease cost which includes everything (insurance as well), so that reduces your taxable income (let’s say by c£1300 on my examples above) and then you pay tax as if it’s a company car. So the £200 is a lot less than the tax saving on £1300 a month income, but the lease costs are pretty high which eats into the real saving a bit. Despite the high lease costs, you’re well into the £hundreds a month vs leasing or buying yourself. As it’s through the company, they have all your income details / tax code etc, so you configure the car and it tells you the net cost, so really easy to compare options. Surely what you are "losing" is the after tax income from the £1300 salary sacrifice? So you have to compare the loss in net income plus the BIK v's the car lease you already have. Depending on where you are in the higher rate / upper rate / NI upper limit mind-boggling matrix of tax-hyper-crappish-ness, a sacrifice of £1300 per month could reduce your next income by about £750 maximum. Add that to the £200 BIK and that gets expensive in my view. Plus are your employer pension contributions worked out on the new sacrificed lower salary? In which case you are losing your employer pension contribution as well. And what if you got made redundant - which salary do they use? Had a quick look. This doesn't effect your salary, so pension and redundancy aren't changed. The salary is paid and it's a deduction after that point which is paid to the lease company, in the same way something like additional health cover or dental care would be handled. There are early termination charges, which vary from 1 month to 6 months depending on how long you've had the car, but that's just if you decide to give it back. If you resign or are made redundant, then as long as you've had the car more than 3 months you can just hand it back, subject to fair wear & tare and mileage being OK of course. The costs are pretty much fixed, there is a clause about RFL being changed and passing that through, but the insurance is fixed for the term as long as you don't have more than 2 claims in a year. Everything is covered apart from fuel, top up oil and screen wash Needs a bit more reading, but I've not spotted any big issues so far and the only question is what the insurance excess is (it doesn't say whether there is one or not). |
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Post by johnc on Jan 24, 2022 17:24:58 GMT
Since it is a company car is it not the company's insurance policy meaning there would be no excess for the driver in the event of a claim.
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Post by Martin on Jan 24, 2022 18:27:23 GMT
Since it is a company car is it not the company's insurance policy meaning there would be no excess for the driver in the event of a claim. Could be, as I can't see anything about an excess. |
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Post by Alex on Jan 24, 2022 18:30:02 GMT
Since it is a company car is it not the company's insurance policy meaning there would be no excess for the driver in the event of a claim. Our company insurance requires us as the employee to pay the excess which is a rather unreasonable £500! If we have an accident we pay half but if our sponsored driver has an accident we have to cover the whole excess. |
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Post by Martin on Jan 24, 2022 18:47:37 GMT
Since it is a company car is it not the company's insurance policy meaning there would be no excess for the driver in the event of a claim. Our company insurance requires us as the employee to pay the excess which is a rather unreasonable £500! If we have an accident we pay half but if our sponsored driver has an accident we have to cover the whole excess. I've never seen that in any company I've worked for. Not that I'm against the idea of an excess. |
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but are there any plus 40 mile range PHEVs you would actually want to drive ?
but are there any plus 40 mile range PHEVs you would actually want to drive ?
. If I start to take it seriously I’ll have a proper read through the T&C’s, the pension contribution question in particular.