Sadly, most of us haven't driven cars at this end of the market. But even if we had, this sort of decision has to come down to which car you prefer to drive - and if it's important to you, which looks nicer.

If you're not sure about finance, you should get advice from an independent financial adviser, rather than someone (even a bank manager) who has their own products to sell. With a PCP you'll pay less each month but then have to deal with the balloon payment at the end of the contract.

As for the cars, it should just be personal choice. For me it would be a VXR8 as I dislike autos, but thats not what you asked. If you must keep them for just 2 years pcp will give you a maximum loss as guarantee which might be very useful. But you will be losing nearly £ 30k, and paying many thousands more in interest on top. That is hugely expensive motoring for just 2 years.

I've driven both - I would have expected to prefer the Jag by miles - but sadly they've bitten the German bug and gone too hard core - the fast supple poised supercharged Jag saloons of old are history - it's just another bone-shaker like most Germans cars - what a shame.

Gimmie my old Jag XJR over either of them anyday.