My daughter just bought that exact same car one on pcp, £5000 deposit, £216 a month repayments over 4 years and £80 a month insurance.
Then they make you include a separate paint protection insurance at a cost of about £900 over 4 years, with a £50 excess per scratch or you get one visit a year to do every paint mark for £50.
The salesperson told her from July this year it’s compulsory on all pcp orders? Scam alert.
She gets 3 years breakdown cover, I guess they think most will update their car before year 4 as once you’ve repaid a certain amount you are free to hand the car back.
But the best part is , I was reading in her small print, because she’s paid for this paint protection insurance.
When she hands the car back she gets an extra £200 discount off her next finance deal. ?