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Decisions, decisions - CitroenianAgain

Hi all

I've got a bit of a car dilemma. Need to get a replacement car, and have four very different choices. I'll use it for the commute to work and occasional long trip and airport runs (me flying). Would apprecaite any thoughts, i've managed to confuse myself!

Thanks

1. Honda Jazz 1.4 DSi 112k miles 2008 £650 from sister

No monthly outgoings, car is sound and has been looked after but is the mileage time big bills come along?

2. Honda Jazz EX 1.4 iVTEC 60k miles 2009 £4200 main dealer

5yr 0% finance, includes full year's Honda Warranty. Slightly worried about the age - newer version of the Jazz, again should I worry about the bills? It'll be 14 years old when paid for

3. Nissan Note Accenta Prem dci 41k mies 2014 £6350 main dealer

5yr 0% finance - includes Three month warranty but extendable. Excellent mpg and drives well, but is it a risk out of warranty?

4. Skoda Fabia SE 90 (new shape)16K 2016 £7100 main dealer

5yr 0% finance, includes balance of Manufacturer warranty (to Sep). Car has poor repair on driver's door but dealer says they'll fix the paint- also has a EPC engine light on when I drove it (Start Stop System fault) - but I think "it's under warranty so they'll have to fix it"

Decisions, decisions - gordonbennet

One car there with a known history, and its the cheapest by a long chalk.

If you got a year or two from it, and then rinsed and repeated with other known cars you would have motoring costs that would make others green with envy.

I assume you don't have the funds available for any of the others, hence going for 0% finance deals where you are paying over the odds for the car in the first place to offset the lack of interest payments, no guarantee any of those options will be running or worth a can of beans in 4 years time let alone 5 but you will still be paying.

Option 1 for me every time, and that would still be the same answer if you had a bank balance boasting 6 figures, you can't beat known cars like this, 2 years down the line it presents you with a £500 bill? not a problem stick it in the spares or repairs listings, go and buy another car, its cost you £350 per year less the £150 you get back on it, all the others will cost you up to £1000 a year in depreciation alone.

The only question i have is why is sister selling.

2, high price , but a genuine Honda Approved Used warranty could make this worth considering, it would have to be very good underneath with 4 newish quality tyres on unmarked wheels with good condition brakes/discs all round, perfect condition on top and interior, and a perfect service history.

3, 3 months warranty on a 4 year old car, he can get in the sea.

4, poor body repair and an engine light on, that's one uncared for car and the dealer has about as much interest in preparation as i have in football.

Edited by gordonbennet on 15/12/2018 at 14:59

Decisions, decisions - CitroenianAgain

GB - that's a brilliant reply, and exactly what I was hoping for

My sister has had the Jazz for five or six years and just fancies a new car (-ish, she's getting a year old Yaris) - was going to trade the car in.

The 09 Jazz is a much nicer car - but 8x nicer than the £650, I cannot hand on heart say it is

Yes, I don't want to spend my money on the car (so "cheap" money is the temptation. Get in the sea. Nail/head

As for the Fabia, you've articulated my worry- might have been unlucky with the engine light but they would have known about the bodged door.

I owe you a pint, I think you've straightened out my head, really very much appreciated.

Decisions, decisions - Engineer Andy

One car there with a known history, and its the cheapest by a long chalk.

If you got a year or two from it, and then rinsed and repeated with other known cars you would have motoring costs that would make others green with envy.

I assume you don't have the funds available for any of the others, hence going for 0% finance deals where you are paying over the odds for the car in the first place to offset the lack of interest payments, no guarantee any of those options will be running or worth a can of beans in 4 years time let alone 5 but you will still be paying.

Option 1 for me every time, and that would still be the same answer if you had a bank balance boasting 6 figures, you can't beat known cars like this, 2 years down the line it presents you with a £500 bill? not a problem stick it in the spares or repairs listings, go and buy another car, its cost you £350 per year less the £150 you get back on it, all the others will cost you up to £1000 a year in depreciation alone.

The only question i have is why is sister selling.

2, high price , but a genuine Honda Approved Used warranty could make this worth considering, it would have to be very good underneath with 4 newish quality tyres on unmarked wheels with good condition brakes/discs all round, perfect condition on top and interior, and a perfect service history.

3, 3 months warranty on a 4 year old car, he can get in the sea.

4, poor body repair and an engine light on, that's one uncared for car and the dealer has about as much interest in preparation as i have in football.

Brilliant! I don't think HJ could've put it better himself.

Decisions, decisions - SLO76
Take the Jazz. These are very reliable and cheap to run little cars and at £650 you could run it til you’ve saved enough to upgrade and it’s very likely you’d get most of your money back again when you trade it in. Gearbox and clutch issues are the most common problems on the Mk I Jazz so listen out for any noises when initially driving off and make sure the clutch isn’t slipping. Other than that these can run and run if looked after and 50mpg is easy to achieve.
Decisions, decisions - CitroenianAgain

Thanks, yes - I could run the £650 Jazz until either the wheels fall off of it, or I see a better deal somewhere else that I know in my heart is the right one. And I'd forgotten about the trade in aspect. Clutch isn't brilliant I think, but does work OK - she's not binning it because of the clutch though and we have a cousin who looks after the car (a proper mechanic) - when she bought it (getting rid of a C3) - he said "Well, if you've got a Jazz, I'll never see you now"

Decisions, decisions - badbusdriver

Assuming your sisters car has a decent amount of MOT on it, it seems to good an opportunity to pass up on. That age suggests it could be a MK1 or 2, but either way, if you are just looking for something reliable and practical, it is hard to see a down side, especially given the price of the one from the dealer!. Oh, and the mileage is nothing to worry about, especially as the car has been looked after. Might be worth having a good poke and prod for rust, but that is about it.

I don't think there is anything particularly bad out your other choices, even the Note, as that Renault engine seems pretty good with regards to the usual problems relating to modern diesels. But at the end of the day, why pay more than you need to?.

Decisions, decisions - CitroenianAgain

Thanks BBD- I'll have a look for rust - I know the Honda perforation warranty is now 12 years, but not sure what would apply here. It is in pretty good shape from what I can see without shining a torch underneath - it's a late Mk1 Jazz

I really liked the Note, and the engine I've had in a couple of Capturs - lots of torque and some kind of magic in how little fuel they use. It was/is a nice car

Need to check the insurance, online it wouldn't give me an alteration quote on the older Jazz,

Thank you for taking the time to reply.

Decisions, decisions - Vitesse6

The older Jazz. Have had both models and always thought the Mk1 jazz was better made than the Mk2. I think some of the early Mk 2 were made in China and some had the i shift gearbox which wasn't liked. The Mk1 was made in Japan.

For cheap motoring the Jazz is hard to beat. Check if the plugs have been changed. It has 2 per cylinder and sometimes the rear ones don't get swapped as they are fiddly to get at.

Decisions, decisions - Andrew-T

2. Honda Jazz EX 1.4 iVTEC 60k miles 2009 £4200 main dealer

4200 for a nearly 10-year-old car? Is it gold-plated?

Decisions, decisions - 72 dudes

2. Honda Jazz EX 1.4 iVTEC 60k miles 2009 £4200 main dealer

4200 for a nearly 10-year-old car? Is it gold-plated?

There's one near me, same year with 75k, not at main dealer for £3995.

They hold their value Andrew, these. Also depends where in the country OP is. Here in East Anglia, prices are always higher than in the Midlands or South East.

Decisions, decisions - CitroenianAgain

£4200 Jazz is the EX so full spec and in Doncaster at main Honda dealer. I really liked it, but too old for a five year finance I think.

Have decided to go for the Mk1 Jazz, and have set about organising it.

Weird thing is the insurance. How can it cost more to insure a 08 Jazz with 80BHP than it is to insure a 10 Citroen C5 tourer (top spec) with 163BHP. Same result on comparison sites. Honestly can't think why it would be the case.

Wonder if my driving standards are expected to fall off a cliff when I start driving the Jazz!

Edited by CitroenianAgain on 15/12/2018 at 21:47

Decisions, decisions - RT

Repair cost, not performance, plays a big part in setting insurance premiums

Decisions, decisions - Andrew-T

Repair cost, not performance, plays a big part in setting insurance premiums

And frequency of claims, presumably.

Decisions, decisions - Big John

Keep an eye on rust - the earlier Jazz does not have rear wing wheel arch plastic inserts and some (not all) can have rust issues. Jet-wash the rear wheel arches and clean / rustproof . Some of the wheel arch areas towards the sills can collect mud - Keep on top of it it's not a problem.

My sister has one and it's brill (I keep an eye on the car) but someone at work had an 05 one that had a bad MOT fail due to rust at the rear.

Mechinically they are bullet proof although slightly revvy at speed. Love the magic seats!

Edited by Big John on 15/12/2018 at 23:11

Decisions, decisions - CitroenianAgain
Thanks John, I will have a look at that next week when I get it.

I’ve always been amazed at the size of the thing inside- I remember four of us over 6ft in my mother in law’s mk2 having more space for a journey than in my father in law’s Jag XF. Not quite as refined, but still impressive for such an overall small car.
Decisions, decisions - CitroenianAgain
Can definitely see this aspect but it wouldn’t take much of a bump for the cost of repair panels/paint whatever to hugely outweigh the fairly low value of the car and so be written off. The value of the Citroen is 3x that of the Honda.

But I’m sure you’re right, and the frequency of claims would be a sensible contributor to the cost- but it’s still me pedalling and I’m assuming my driving standards won’t suddenly drop!

Although I will be putting a box of hankies on the parcel shelf and shopping at Greenwood’s for beige slacks once I have the car, and never mind 20, 12 is plenty.

Now, where did I put my glasses?

Decisions, decisions - Andrew-T
Can definitely see this aspect but it wouldn’t take much of a bump for the cost of repair panels/paint whatever to hugely outweigh the fairly low value of the car and so be written off. The value of the Citroen is 3x that of the Honda.

Don't get sucked into the argument about cost of repair against book-value of car. It may take very little damage for an insurer to write off a car, but you can always offer to keep it and have it fixed if you like the car. What matters is what it would otherwise cost you to buy another car (which later you may not like as much).

Decisions, decisions - barney100

No contest, have your sisters, depreciation on even the 4.2k car will be over the £650 you pay for your sister's.