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Thanks Alleycat. Plenty to consider and may thanks for your reply.
To give a bit more info, and answer at least some of your questions:
>Do you need to go cash for cars or can you just pick something else? If you can stay in the fleet (and the choices are reasonably generous i would keep with this). Unfortunately I have to come out of the fleet. I've pushed this as much as I dare, as I alwys chose the car insteadof the cash in the past as the choice was quite good.
>How much will the lease company want for the car to start with? They won't tell me that until immediately before the lease runs out. which doesn't help do the comparison. Our fleet manager doesn't seem to have much experience of whether they offer reasonable prices or what.
> How are you paying to purchase the vehicle. Things like loans, etc have a cost associated with them? What will it cost you to insure it? Unless there is a good finance deal I might as well pay with cash, as I don't get much interest on it in the bank.
>Your cash for cars allowance, would it cover the cost of the purchase, insurance, etc? Basically it will be difficult to run a 320D for the amount they are offering given these other costs.
>Does the company run a policy about the age of vehicle (ours says cars that are on a cash for cars scheme cannot exceed 5 years of age). It is supposed to be less than 6 years old, though I don't know how rigorously they enforce it. I know of people with older cars, though they were probably within the rules when they bought it.
>If you had to then get rid of the car in another two years what depreciation would you suffer on the BMW v's an Octavia. Depreciation is a major consideration, but I in order to reduce that I would attempt to keep the car beyond the 6 year limit, assming it is still reliable at that stage.
>If it was me:- Don't buy a x4x4 estate if it is because of the weather. Get the proper tyres for winter and it'll work out cheaper (unless you live somewhere where the snow gets deep obviously). Agree with you on that one.
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