Toyota Aygo 1.0 VVT-i X-Play 5dr 8k, 42 month £99.97 with £900 deposit or £119.97 with £119 Deposit from Mad-Sheep Leasing
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Toyota Aygo 1.0 VVT-i X-Play 5dr 8k, 42 month £99.97 with £900 deposit or £119.97 with £119 Deposit from Mad-Sheep Leasing

45
Found 19th Feb 2016
Just helped my son to order one of these, and after looking around, this seemed like the best deal.

Toyota Aygo 1.0 VVT-I X-Play

42 Month PCP @ £99.97 / month inc VAT with a £900 deposit
or
£119.97 / month with £119 deposit.

Other shorter leases available. Nice cheap insurance for a 19yr old too.

Both 8k per year which will be plenty for my lad.
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Not bad starter car, good miles for the lad- hot.
Good deal.
you'll be surprised how many miles he'll rack up in the first couple of years. especially if the local woods/forest/dogging spot is any distance away...ahh..the days of being a horny 19 year old. 1.2 corsa B is was in them days!
fiat panda 79. bigger, cheaper, 10k, 24months
Original Poster
He wasn't keen on the Panda, in his words "looks like a grandmas car"
its a great car had once ad a courtesy car and I did 1000 miles in 24 hours with 3 breaks (london to Dundee round trip) bit dear in motorways because of small engine working on full capacity but kept it for a month and certainly enjoyed it
pikey12

fiat panda 79. bigger, cheaper, 10k, 24months



​Fiat Panda though oO
42 months is a long time for a lease! Get Cactus in black for 18 months!
Banned
Thought this was a joke.

£5500 over a 42 month period in a brand new car for a 19 year old lad? No matter how well behaved he is, once he's out and about in a new car he'll think he's superman. Statistically, young lads are highly likely to be involved in a car accident, so I'd think a car for £2000 would be more suitable, surely? Not a brand new £10,000 car...

Still, can't imagine you can do much with 68 horses and 3 passengers in the car, probably will top 55mph if you're lucky. At least you can still do handbrake turns.
snack_attack

Thought this was a joke.£5500 over a 42 month period in a brand new car … Thought this was a joke.£5500 over a 42 month period in a brand new car for a 19 year old lad? No matter how well behaved he is, once he's out and about in a new car he'll think he's superman. Statistically, young lads are highly likely to be involved in a car accident, so I'd think a car for £2000 would be more suitable, surely? Not a brand new £10,000 car...Still, can't imagine you can do much with 68 horses and 3 passengers in the car, probably will top 55mph if you're lucky. At least you can still do handbrake turns.



​It doesn't matter the cost of the car really as it will be the insurance paying out, assuming the excess would be about the same.

Make sure you get Gap insurance also.
A 19 year old lad driving and keeping this car for 42 months your having a laugh?
I guarantee after about 10 months if he hasn't already killed it he'll be bored and asking you if you want to take over the contract so he can buy a different car.
I was a driving instructor for 25 years and I really got to know in that time how the mind works in young lads.
Oh and defo get GAP insurance.



Edited by: "paulandpam1" 19th Feb 2016
jonnybravo99

you'll be surprised how many miles he'll rack up in the first couple of … you'll be surprised how many miles he'll rack up in the first couple of years. especially if the local woods/forest/dogging spot is any distance away...ahh..the days of being a horny 19 year old. 1.2 corsa B is was in them days!



Banned
seanrtkelly

​It doesn't matter the cost of the car really as it will be the insurance … ​It doesn't matter the cost of the car really as it will be the insurance paying out, assuming the excess would be about the same. Make sure you get Gap insurance also.



Of course the price of the car matters. Insurance will likely be more expensive for a 19 year old in a £10,000 car vs. a £2000 car. If both cars were to be written off in an accident, the higher priced car will earn a higher market value payout which equates to a higher insurance premium, believe it or not!

And it's not just that either, if you decide to hand the car back at the end of the PCP, then any damage outside of normal wear and tear guidelines will be charged. I expect a 19-23 year old to have a pretty good chance of causing some nice scrapes/bumps/intimate moments with a ditch.
I love car posts. The HUKD car experts are more comically entertaining than anything on TV.
pikey12

fiat panda 79. bigger, cheaper, 10k, 24months


That sounds interesting. I couldn't find it on the site; the only car that appears in the search is the Fiat 500, would you happen to have a link handy?
Actually there are times where a 2k car will be more insurance wise vs say a 6k car as someone driving a 2k car is likely to be less careful with it and more likely to crash. I have tested this many times on comparethemarket and increasing my car value made the premium go down.

Strange I know
Edited by: "Phene" 19th Feb 2016
but you are right in a sense, once he burns the clutch out and scratches it, the rental company are gonna charge through the roof for all those things. Get him an old fiesta lol
snack_attack

Of course the price of the car matters. Insurance will likely be more … Of course the price of the car matters. Insurance will likely be more expensive for a 19 year old in a £10,000 car vs. a £2000 car. If both cars were to be written off in an accident, the higher priced car will earn a higher market value payout which equates to a higher insurance premium, believe it or not!And it's not just that either, if you decide to hand the car back at the end of the PCP, then any damage outside of normal wear and tear guidelines will be charged. I expect a 19-23 year old to have a pretty good chance of causing some nice scrapes/bumps/intimate moments with a ditch.



The value of the car will have some impact, sure. But in either case, the insurer needs to cover scenario of him being at fault in a collision with, say, a £50K Range Rover. That's were the majority of the premium will lie.


Edited by: "rebelspawn" 19th Feb 2016
snack_attack

Of course the price of the car matters. Insurance will likely be more … Of course the price of the car matters. Insurance will likely be more expensive for a 19 year old in a £10,000 car vs. a £2000 car. If both cars were to be written off in an accident, the higher priced car will earn a higher market value payout which equates to a higher insurance premium, believe it or not!And it's not just that either, if you decide to hand the car back at the end of the PCP, then any damage outside of normal wear and tear guidelines will be charged. I expect a 19-23 year old to have a pretty good chance of causing some nice scrapes/bumps/intimate moments with a ditch.



This gets me everytime when people say this. The price of the car isn't the main factor which causes insurance to be high, its one of them but no where near the main one. I used to work as an Insurance Broker so ill give you the main factors

- Age
- Year the Car was manufactured (Newer most of the time means better due to safety ratings)
- Previous offences
- Price of the Car (what does a 2000 pound car matter if he crashes into a ferrari thats worth 200k)

Mileage + where you park it barley contribute to the price. Roughly £50 total I think was our old average. Also remember ladies and gents you can haggle your insurance down so get a salesman on the phone and get him to get you a better deal.



The amount of "Young Driver Bashing" on these kind of posts make me Laugh, the speed in which self-proclaimed "safe drivers" rush to these things to say "A 19 year old would kill himself..blah...blah" or "He would ruin the engine in....blah...blah".

Yes, SOME young drivers can be careless/reckless but just the same applies to anyone, Id say I drive a fair distance to work each day and come across countless horrible drivers of all ages, including young who will put other drivers at risk by cutting people up, undertaking, overtaking round bends, not indicating to a 1st or 3rd+ exit. The List goes on.

I'm not soley defending young drivers, I actually agree with the statement, just next time one of you forget to indicate, just that 1 time you forget, from someone elses car you're instantly **** at driving.
Banned
tomalfredcox

This gets me everytime when people say this. The price of the car isn't … This gets me everytime when people say this. The price of the car isn't the main factor which causes insurance to be high, its one of them but no where near the main one. I used to work as an Insurance Broker so ill give you the main factors- Age- Year the Car was manufactured (Newer most of the time means better due to safety ratings)- Previous offences - Price of the Car (what does a 2000 pound car matter if he crashes into a ferrari thats worth 200k)Mileage + where you park it barley contribute to the price. Roughly £50 total I think was our old average. Also remember ladies and gents you can haggle your insurance down so get a salesman on the phone and get him to get you a better deal.



Age will be the same no matter what car you insure.
Same can be said for previous offences.
Same can be said for hitting an expensive car.

I do agree with you about the car's safety ratings etc. But can't see much a difference with a basic spec Aygo vs. a decent used car. It's not as if this Aygo has automatic emergency radar braking, lane assist blah blah, tech that makes the car insurance cheaper.

My main point is that, in my personal opinion, I would not buy a new car for my 19 year old son purely based on the likelihood of them damaging it in some way. This would mean more expensive repair bills and ultimately, you're likely to be more out of pocket. And he's likely to want a new car after a year. Start off with a £2000 used car, get a year or two NCB, then get into a brand new car (if you have to).

As for haggling, no point phoning a salesman. Do it the MSE way:

- Confused.com
- GoComapre
- MoneySupermaket.com
- Aviva
- Direct Line

Also look for cashback.

No phone salesman will beat that combination of searches.
Original Poster
snack_attack

Age will be the same no matter what car you insure.Same can be said for … Age will be the same no matter what car you insure.Same can be said for previous offences.Same can be said for hitting an expensive car.I do agree with you about the car's safety ratings etc. But can't see much a difference with a basic spec Aygo vs. a decent used car. It's not as if this Aygo has automatic emergency radar braking, lane assist blah blah, tech that makes the car insurance cheaper.My main point is that, in my personal opinion, I would not buy a new car for my 19 year old son purely based on the likelihood of them damaging it in some way. This would mean more expensive repair bills and ultimately, you're likely to be more out of pocket. And he's likely to want a new car after a year. Start off with a £2000 used car, get a year or two NCB, then get into a brand new car (if you have to).As for haggling, no point phoning a salesman. Do it the MSE way:- Confused.com- GoComapre- MoneySupermaket.com- Aviva- Direct LineAlso look for cashback.No phone salesman will beat that combination of searches.




I'm not buying it for him! He's doing it himself, I was merely helping him through the process.
snack_attack

My main point is that, in my personal opinion, I would not buy a new car … My main point is that, in my personal opinion, I would not buy a new car for my 19 year old son purely based on the likelihood of them damaging it in some way. This would mean more expensive repair bills and ultimately, you're likely to be more out of pocket. And he's likely to want a new car after a year. Start off with a £2000 used car, get a year or two NCB, then get into a brand new car (if you have to).As for haggling, no point phoning a salesman. Do it the MSE way:- Confused.com- GoComapre- MoneySupermaket.com- Aviva- Direct LineAlso look for cashback.No phone salesman will beat that combination of searches.



http://cdn.meme.am/instances/56092727.jpg
snack_attack

Age will be the same no matter what car you insure.Same can be said for … Age will be the same no matter what car you insure.Same can be said for previous offences.Same can be said for hitting an expensive car.I do agree with you about the car's safety ratings etc. But can't see much a difference with a basic spec Aygo vs. a decent used car. It's not as if this Aygo has automatic emergency radar braking, lane assist blah blah, tech that makes the car insurance cheaper.My main point is that, in my personal opinion, I would not buy a new car for my 19 year old son purely based on the likelihood of them damaging it in some way. This would mean more expensive repair bills and ultimately, you're likely to be more out of pocket. And he's likely to want a new car after a year. Start off with a £2000 used car, get a year or two NCB, then get into a brand new car (if you have to).As for haggling, no point phoning a salesman. Do it the MSE way:- Confused.com- GoComapre- MoneySupermaket.com- Aviva- Direct LineAlso look for cashback.No phone salesman will beat that combination of searches.




Weirdly Age does have a difference on the car you buy.

Insurance companies put your age against the speed x engine size of the car and use some "bull" algorithm they share between them to create a price which makes the customer a reliable investment that they can "justify" because the car is faster than a turtle.

We got run through all this multiple times at my old work place so just relaying what I learnt there.

EDIT

Also Big side note.

Haggling gets it so much cheaper than those quotes. You're taking the right step though, Get the quotes first, then call the 2nd cheapest one, ask them to beat it and let the price off commence between the cheapest and the second cheapest. usually can get about another 10%. 20 minutes of your time for whats quite a large amount off a new drivers quote.

Edited by: "tomalfredcox" 19th Feb 2016
My Mrs got a 3 year old aygo from Toyota dealer, 20k on the clock , 500 deposit and 100pm for 47 months, plus 4 year warranty and at the end of 47 months the car is hers bought and paid for, this lease deal is a rip off.
rebelspawn

The value of the car will have some impact, sure. But in either case, the … The value of the car will have some impact, sure. But in either case, the insurer needs to cover scenario of him being at fault in a collision with, say, a £50K Range Rover. That's were the majority of the premium will lie.



The big risk from the insurance company's point of view is an accident leaving them with a multi million pound payout for life changing injuries.

Agree with the majority, sticking a 19 year old in a lease care is likely, not certain, to prove expensive.
Edited by: "spamcan61" 19th Feb 2016

Not always.

snack_attack

Age will be the same no matter what car you insure.Same can be said for … Age will be the same no matter what car you insure.Same can be said for previous offences.Same can be said for hitting an expensive car.I do agree with you about the car's safety ratings etc. But can't see much a difference with a basic spec Aygo vs. a decent used car. It's not as if this Aygo has automatic emergency radar braking, lane assist blah blah, tech that makes the car insurance cheaper.My main point is that, in my personal opinion, I would not buy a new car for my 19 year old son purely based on the likelihood of them damaging it in some way. This would mean more expensive repair bills and ultimately, you're likely to be more out of pocket. And he's likely to want a new car after a year. Start off with a £2000 used car, get a year or two NCB, then get into a brand new car (if you have to).As for haggling, no point phoning a salesman. Do it the MSE way:- Confused.com- GoComapre- MoneySupermaket.com- Aviva- Direct LineAlso look for cashback.No phone salesman will beat that combination of searches.



Not always.
I got my best insurance quote down to £450 over the phone, compared to £670 online
Edited by: "jimmy2007" 19th Feb 2016
This discussion on young drivers and new cars have always bemused me. Ask someone who would they do anything for to protect them ,( even give their life for ) and most will answer their children . Then we all do the same , put them in a 10/15 year old car with far less protection than a new car , and why ,because we Know they will have an accident ! This is not a dig at anyone , hell I put my boy is a old Nova ! It just doesn't make sense .
tomalfredcox

The amount of "Young Driver Bashing" on these kind of posts make me … The amount of "Young Driver Bashing" on these kind of posts make me Laugh, the speed in which self-proclaimed "safe drivers" rush to these things to say "A 19 year old would kill himself..blah...blah" or "He would ruin the engine in....blah...blah".Yes, SOME young drivers can be careless/reckless but just the same applies to anyone, Id say I drive a fair distance to work each day and come across countless horrible drivers of all ages, including young who will put other drivers at risk by cutting people up, undertaking, overtaking round bends, not indicating to a 1st or 3rd+ exit. The List goes on.I'm not soley defending young drivers, I actually agree with the statement, just next time one of you forget to indicate, just that 1 time you forget, from someone elses car you're instantly **** at driving.



​Statistics back up the 'young driver bashing' !!
snack_attack

Thought this was a joke.£5500 over a 42 month period in a brand new car … Thought this was a joke.£5500 over a 42 month period in a brand new car for a 19 year old lad? No matter how well behaved he is, once he's out and about in a new car he'll think he's superman. Statistically, young lads are highly likely to be involved in a car accident, so I'd think a car for £2000 would be more suitable, surely? Not a brand new £10,000 car...Still, can't imagine you can do much with 68 horses and 3 passengers in the car, probably will top 55mph if you're lucky. At least you can still do handbrake turns.



​80mph actually (170kph)
The deal is solid enough but I am not sure this is what a teenager needs as a first car. Best to find your driving feet with a nail for a year or two before upgrading to something like this or another car.
This doesn't seem a particularly good lease offer.
Aygo's keep their value rather well and will continue to do so when fuel shoots back up.

You can pick up a pre-reg for about £1500 more than this lease costs.
chilangopt

​80mph actually (170kph)



99mph dont know were you got 80mph from
oddballjamie

This doesn't seem a particularly good lease offer.



And yet you posted a 3 year £4067 deal for a dull VW Take Up which doesn't even have a/c or remote central locking. (And with almost half the annual mileage allowance too)
The post refers to this as a lease,but its actually a PCP product - they are different products so make sure you understand which agreement you are entering into
Mr No

I love car posts. The HUKD car experts are more comically entertaining … I love car posts. The HUKD car experts are more comically entertaining than anything on TV.



Alongside chicken deals.
Mr No

And yet you posted a 3 year £4067 deal for a dull VW Take Up which … And yet you posted a 3 year £4067 deal for a dull VW Take Up which doesn't even have a/c or remote central locking. (And with almost half the annual mileage allowance too)



For a car that at the time was unobtainable for less than £8,000.

I then found an even better deal at £3,239.39.

Which were both far less than £5500 (this offer) and didn't need an MOT part way through the lease.

Lets take your Jag deal as an example and break it down to compare with this Aygo.
£11,710.72 / 24 * 42 = £20493.76
Add the same percent difference between the overall lease cost and a pre-reg that I've found for this Aygo and it would suggest a pre-reg Jag would be available for £26k.
However in real life you're looking at £40k+.

If you're gonna troll through my deal history at least do some groundwork.
GJ_31 posted this deal earlier, which hasn't gained any heat. It's PCP however if you use it like a lease and hand back after 42 months it works out to be £3650 overall and has AC, CL and EW.
Skoda Citigo SE £89 a month no deposit
Edited by: "oddballjamie" 20th Feb 2016
This isn't a lease everyone (and to be pedantic, whenever a 'lease' deal comes up on here, it's actually Contact Hire).

It's PCP - if the GFV on the car is £2,000, and it's actually worth £3,000 at the end of the term, it actually costs £1,000 less than it appears by simply adding the payments up...

Obviously I'm using the £2000 and £3000 figures to fill in blanks, but hopefully what I say makes sense.
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