PCP or a Car Loan – Which is Better?

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Affording a new car has never been so easy, with a range of finance options available. If you are thinking about how to finance your next new car, here are some of the main points you should consider:

  • PCP is good if you just want a car for a certain period. Usually, a PCP finance deal will last for around 3 to 4 years.
  • PCP is only really any good if you can afford it without a deposit. If you are planning to give the car back after the period of your finance deal, you don’t want to put down a deposit or you will lose it. Make sure you can find a deal you can afford without a deposit.
  • Look for loan options. Consider all your options before you make a decision and make sure you fully understand them. Know that you can easily afford the repayments and understand what happens if your circumstances change.

How to Look After your Car

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Cars inevitably age over time and sometimes, it can feel like all you do is repair them. There are things you can do to make your life easier though, which may cost you a little bit more money now but can save you a great deal of money in the long term.

First of all, carry out basic checks on your car every so often. This can just be a quick visual check to make sure nothing is physically damaged and things like the lights and windscreen wipers are working as they should.

You should get your oil changed according to the instructions in your manual as well. Monitor the oil though, as this can be a good indicator if something else is going wrong with your vehicle.

Check your tyre pressure regularly, perhaps once or twice a month. It’s easy to do and can actually make a big difference to the way your car drives and the amount of fuel it is using.

Electric Cars – are they Worth it?

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Electric cars have been growing in popularity for many years now. They have gone from being clearly inferior in terms of the technology behind them to actually quite decent and viable car options. If you are thinking about buying an electric car, it can be hard to know whether or not it will be worthwhile.

The main advantage of driving an electric car is being able to help the environment. Electric cars are much more environmentally friendly than petrol or diesel cars and they have the potential to make a big difference to the atmosphere. You may also be able to enjoy other benefits like free parking and reduced costs when driving on toll roads or in restricted areas.

The main disadvantage is the lack of places to charge electric cars. Whilst charging stations are becoming a more regular fixture, they are still by no means common and it may be difficult to find one.

Buying a car or van with little MOT

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If you are looking to buy a used car or van then one of the musts to check is how much MOT is left on it. For vehicles over 3 years old, an MOT inspection must be carried out every 12 months. IF the car or van fails the Mot then the issues need to be rectified and a retest carried out before a valid test certificate is issued.

If buying from a garage they will almost certainly sell the car with at least 3 months MOT if not often even 12 months, but private buyers can be different.

Some people will sell their used van or car with only a few weeks/ days or even no MOT on. The price often reflects this but sometimes the price is only reduced by £50 or so. Often the advert will state “No MOT (or short MOT) but I do not think it will take much to pass”. This statement is widely used and often the seller knows that that is not the case. With an Mot costings as little as £20, it would be worth while anyone putting an MOT on to a car to sell it, therefore increasing the value, if they are not willing to MOT it then it would suggest they are aware of costly problems.

 

Looking for a van

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When you’re in the market looking for a van, you need to take in to account the mileage, how long is left on the mot plus all round condition. You may start to look on websites such as Gumtree, Auto Trader or Shpock to find vans that may be suitable. You need to take in to account what size van you would need depending on the type off work you will be carrying out in it.

If you need to carry quite a bit of equipment which is easily accessible then you may wish to look for something like a Ford Transit Connect, the van has a side loading door which is ideal for easy loading and unloading plus you can easily put a roof rack on top for ladders. There should be enough room in the back for all of your materials and tools. You may wish to put an inverter in the back so you can run 230 volts in the van which will allow you to charge phones, batteries for tools and even run a kettle to make a brew.