Buying a new car

Buying a new car

The pros

There are some very important benefits to buying new. You get the car you want, in the colour you want, with all the must-have, neon-cup-holder features you’ve always dreamt of.

Plus, it doesn’t come with a suspect history. Instead you get motoring peace of mind depending on how long the manufacturer’s warranty lasts.

In turn, new cars don’t need an MOT for the first three years. And the new engine should deliver optimum performance – and be as economical to run as it will ever be.

The cons

In the UK, we pay among the highest prices in Europe for new cars. In fact, a £12,000 car loses around £80 a week, even if it’s left on your driveway. And the average car wipes a third off its value in the first year. After three years, it’ll be worth between 30%-40% of what you paid for it (2).


Vehicle Excise Duty varies dramatically, depending on the car. Some aren’t subject to it. Certain car manufacturers will give it ‘free’ as part of the package. And some high polluting cars are subject to astonishingly high ‘first-year’ road tax – at worst £1,065 (3).

How to buy

Ultimately, the most exciting time to buy is in September, and in March – when the new ‘age identifier’ plate numbers are released.

Dealerships are convenient places to get new cars. They have the latest models. You get great, personal service. They’ll offer finance. And they’ll take your old car in part-exchange.

In terms of getting a bargain, it’s best to go around Christmas, dealers’ quiet period. But even then, try to visit towards the end of months, when they might be keener to do a deal.

One thing to remember

Motoring is now British families’ biggest expense after housing costs(4). So whatever you decide, do shop around. 

To know what car insurance group your vehicle’s in, this useful guide explains how different insurance groups will affect your car insurance quote.  Aviva car insurance is not on any comparison sites, get a quote direct from us online.





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