Your mileage is probably too low to justify a diesel. At average mpg between petrol and diesel you may be looking at about £400 per annum extra for petrol, but the purchase price and maintenance should be lower for petrol. You need to do some sums.
The OP's 16,000 miles per annum should in theory be fine for keeping a diesel healthy.
The last diesel we bought saved us quite a sum compared to buying the petrol version over the 5 years we owned it..
2010 Kia Ceed 1.6 CRDi SW. We paid £17000, the petrol was £1000 less. When we sold it back to the garage we bought it from we got £5200 cash (better than WBAC etc). I remember looking at Parkers at the time and their figures suggested that the petrol was worth about £1400 less than the diesel, we were possibly £400 better off with the diesel.
Servicing was the same for both.
VED was less for the diesel, we paid £30 a year, the petrol was £135 (I think), a saving of £105 a year, total £420.
Insurance was probably the same, we were paying the smallest amount that Aviva shows.
Fuel, the diesel was a big saving. We averaged 51 mpg over 45,000 miles, Fuel over that period averaged about £1.27 a litre so total cost was about £5100. Reports from owners on the website (which HJ Real mpg verifies) suggested about 38 mpg for the petrol. Over 45,000 miles the fuel cost at say 5 pence a litre less than diesel would have been about £6600. The saving was about £1500.
So over those 5 years we were approx. £2300 better off plus we had a better car, the 1.6 CRDi was a good drive, the 1.6 petrol was poor in comparison. If we had done the OP's mileage our saving would have been nearer £3500.
But things are different these days, the small turbo petrols are very efficient and good to drive and diesels are not as popular on the used market which has depressed their values. The calculation using 45,000 miles over 5 years would probably show little or no advantage for the diesel and any savings would soon evaporate if the DPF etc gave and problems.
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