Groups

    are there any personal contract lease deals for new drivers

    Hi, I have passed my driving test and I would like to know are there any personal contract deals if any one is aware of for 2 years that includes insurance cost plus and no initial rental. I am new with leasing and was trying to find something good for me. Let me know. I am looking for automatic cars will a small car...as long as offer is good I'm fine with any cheap low maintainance cars.

    20 Comments

    What's your monthly budget?

    I wouldn't worry too much about maintenance. If you are leasing a brand new car then you shouldn't be changing anything other than tyres and possibly pads (although doubtful in two years).

    Original Poster

    My monthly budget less than £100. Comprehensive insurance should be included and after two years i wont buy that car and would simply return it. My current insurance is as im first time driver for a small car £1400 per annum as per confused.com quote so in two years i am technically paying £2800 with black box...so if i could get any deal with less than £100 with pcp, then for two years im paying around £2400 (comprehensive insurance included) and doing £8000 miles a year then i am good with pcp deals...correct me if im wrong in thinking with any of my calculation

    ab713

    My monthly budget less than £100. Comprehensive insurance should be … My monthly budget less than £100. Comprehensive insurance should be included and after two years i wont buy that car and would simply return it. My current insurance is as im first time driver for a small car £1400 per annum as per confused.com quote so in two years i am technically paying £2800 with black box...so if i could get any deal with less than £100 with pcp, then for two years im paying around £2400 (comprehensive insurance included) and doing £8000 miles a year then i am good with pcp deals...correct me if im wrong in thinking with any of my calculation



    ​think logically, if your insurance is £1400 (~£118 per month) do you really think you'll get a deal for a brand new car including insurance with no deposit for less than £100p/m?

    Surely if this were possible all new drivers would be driving round in brand new cars not old bangers.


    I don't know why members are voting down realistic comments. If you are going to down vote at least comment as to why you feel the comments are not valid and give a positive response to op's question. I'll vote back up
    Anyway, just looked at Wearemarmalade that specialise in new cars with just £500 deposit and insurance and looks like prices start from £175 for a 12 month contract.

    ab713

    My monthly budget less than £100. Comprehensive insurance should be … My monthly budget less than £100. Comprehensive insurance should be included and after two years i wont buy that car and would simply return it. My current insurance is as im first time driver for a small car £1400 per annum as per confused.com quote so in two years i am technically paying £2800 with black box...so if i could get any deal with less than £100 with pcp, then for two years im paying around £2400 (comprehensive insurance included) and doing £8000 miles a year then i am good with pcp deals...correct me if im wrong in thinking with any of my calculation


    PCP? Citroen offer inclusive insurance on a 3year PCP but the FAQ includes "Must have a minimum of two years no claim discount and be able to evidence this." Regardless, seriously doubt anybody will be able to achieve any PCP with insurance for under £100/month unless there is a huge upfront payment
    info.citroen.co.uk/off…er/

    ab713

    My monthly budget less than £100. Comprehensive insurance should be … My monthly budget less than £100. Comprehensive insurance should be included and after two years i wont buy that car and would simply return it. My current insurance is as im first time driver for a small car £1400 per annum as per confused.com quote so in two years i am technically paying £2800 with black box...so if i could get any deal with less than £100 with pcp, then for two years im paying around £2400 (comprehensive insurance included) and doing £8000 miles a year then i am good with pcp deals...correct me if im wrong in thinking with any of my calculation



    let me think u missed the most important and crucial bit for that price it must include the fuel aswell r u having a laugh mate.

    why do u think lease deals for new drivers should be less than any other lease deals in the real world it's the other way round.

    Original Poster

    People who are laughing on my silly question.....I just had a thought because of this link : Hukd link. . When an expensive car can be available at such price then why not car with a smaller retail price......this forum is to help and ask any question that comes into mind...and shouldn't be made fun of

    Double your monthly budget then you'll stand more of a chance

    ab713
    On that particular thread was the following detail ' Looks like there are a few clauses to be aware of I.e. Drivers must be UK resident, aged between 25 to 75 with no medical conditions, have held a valid full UK/EU licence for at least one year with at least one year no claims discount. One fault claim in the past three years is allowable in total across all drivers and no more than one minor motoring conviction in the past five years per driver, all other motoring convictions are unacceptable. Policies are underwritten by Ageas Insurance Ltd. Other insurance specific Terms and Conditions apply'
    The trouble is without any no claim bonus and perhaps your age, many deals would not be available to you irrespective of the type of car or deal

    You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.

    Original Poster

    thearbiter65

    You stand 0 chance of getting a brand new car for £100 a month with … You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.



    thearbiter65

    You stand 0 chance of getting a brand new car for £100 a month with … You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.


    Thanks. So the £2500 that you pay will that be returned to you when you return the vehicle in a good condition?

    thearbiter65

    You stand 0 chance of getting a brand new car for £100 a month with … You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.

    thearbiter65

    You stand 0 chance of getting a brand new car for £100 a month with … You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.



    ​no, its the deposit which reduces the monthly payments.

    realistically, i dont think you'll find what you are looking for. new drivers are too high risk for the majority of dealers to include "free" insurance for, as mentioned above.

    i'd probably recommend a cheap run around instead and use the money to pay your first years insurance. once you have a years no claims you might stand a better chance.

    either that or consider wearemarmalade as mentioned above who specialise in new drivers.
    Edited by: "adamspencer95" 26th Feb

    My advice is to buy a banger for a grand, like a ten year old Fiesta or similar and then buy the insurance in one go on a 0% credit card and then pay the card off within 12 months. You will get a discount paying the insurance up front so it's cheaper to do it that way - as a new driver you have just got to grin and bear it I'm afraid

    thearbiter65

    You stand 0 chance of getting a brand new car for £100 a month with … You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.

    thearbiter65

    You stand 0 chance of getting a brand new car for £100 a month with … You stand 0 chance of getting a brand new car for £100 a month with insurance included and no money up front. I doubt that £100 a month would even cover the insurance on a brand new car. Leasing can be a good and practical option, but I think you might need to save a bit of money first for a deposit and maybe look at doubling your monthly budget. I'm after a lease myself, but I want to put £2500 down, pay £200 a month, then pay insurance separately.



    No, if I go down this route, the £2500 goes towards the car and won't be coming back.

    If I were you I'd buy etching a 10 plate for around £2000 and build up the no claims bonus. I did that with my first car.

    You have no chance of getting the deal your after. With no deposit you won't find any car to lease over two years for £100 a month. Needing an automatic pushes up the price more. Best deal I can find is on a Hyundai ioniq 8k a year at £144 a month but that needs £1300 deposit and you need your own insurance.
    Edited by: "Wadda" 10th Mar

    Your expectations are unrealistic.

    Wholly unrealistic.

    If you could lease a new car for less than the price of just the insurance alone, the roads would be full of new drivers in shiny new cars.

    You either need a whopping great deposit, to at least double your budget or to wait until you have a couple of years NCD.

    If it was possible for £100/month then pretty much every new driver would be doing it!

    If you go down the traditional route, try asking your mum or dad if they mind being a named driver (secondary driver, not the main driver!) as just having their details on the quote often brings the price down and this method is 100% above board and legal.

    My suggestion is to check the new Citroen and Peugeot drive the deal or simply drive offers. It's includes comprehensive insurance, servicing and break down (I think). Basic models would be around 150-200 but depends on time of year and discounts on offer. Try the website first and use your parents as the main applicant, it will give an offer price that you can use to visit the dealer to get it formalised. The insurance allows adding additional driver and new drivers should have black box fitted, they will give you a revised quote then you can negotiate on car price to see if that works for you. If you include a lady as the main applicant the insurance premium tends to get lower. Good luck with your search, don't get discouraged by the negative comments here. If there is will and you put the efforts you will find a way. I tried this and found the best deal is this approach for new driver ( my wife) and also adding her as provisional license holder ( while she was learning) in my main car insurance didn't increase much.

    Original Poster

    itsvinod2k20th Jun

    My suggestion is to check the new Citroen and Peugeot drive the deal or …My suggestion is to check the new Citroen and Peugeot drive the deal or simply drive offers. It's includes comprehensive insurance, servicing and break down (I think). Basic models would be around 150-200 but depends on time of year and discounts on offer. Try the website first and use your parents as the main applicant, it will give an offer price that you can use to visit the dealer to get it formalised. The insurance allows adding additional driver and new drivers should have black box fitted, they will give you a revised quote then you can negotiate on car price to see if that works for you. If you include a lady as the main applicant the insurance premium tends to get lower. Good luck with your search, don't get discouraged by the negative comments here. If there is will and you put the efforts you will find a way. I tried this and found the best deal is this approach for new driver ( my wife) and also adding her as provisional license holder ( while she was learning) in my main car insurance didn't increase much.


    Thanks mate
    Post a comment
    Avatar
    @
      Text
      Top Discussions
      1. Ripped off by GearBest, VERY ANGRY!1719
      2. Iptv1228
      3. Music download79
      4. FedEx sent me a Duty & Tax Invoice - Advice needed67

      See more discussions