Originally Posted by ExclusiveWorkshops View Post
You don't need it really. It's a 17 car so probably has two years of warranty left? So for a thousand pounds, you will get an Mot which you don't need for another two years, and servicing which is minimal if you follow the intervals so unlikely you'll spend that. You might if you take it to a main dealer, because they'll tell you the car needs things when it doesn't quite.
My advice is to accept the possibility of going to the garage or wherever, a bit more often and not fall for the sales effort of the dealership when they phone you and say how the car's doing, but it just needs blah or blurb. The reality is, that it will be being judged on whether it is likely to reach the next interval, so they want you to do things now if you see what I mean.
Most 'customers' that like you have either little motoring experience or simply don't know about cars, what things do or where they go, and what they mean, have a hard time knowing who or where to trust, so I empathise with those faced with expense after expense if relying on main dealers. They charge over £125 per hour, and will charge sometimes ten minutes to clip in wiper blades, or twenty for fitting a bulb, the bulb itself might be £8 where another shop it might be £1 and fitted free or for £5-10. You can get the idea how your money can be spent.
Sorry another long post, that's me. The truth is you don't need the agreement. Check your bank account and car insurance, often perks are included such as breakdown service. The BMW service is very good ok, but life seems to be about making you think you need some sort of cover or other. It's a wonder people make it out the door haha.
My other opinion regarding purchasing the car stands ;O) I know I couldn't save £11k in a three year period, let alone give away £6k of it if I did. (your potential residual)
Please don't underestimate how incredibly helpful this sort of advice is! I've always been the kind of person who wants to know exactly how things fit together in order to get them to work. If I know how parts all fit together, I know how to get the best out of it! Hence being a complete tech geek etc. So I really want to get to know my new car inside and out. Which is why it's frustrating at this stage not knowing enough about cars yet.
I do hear you on the finance vs buying - the only reason I am leasing now is because this is my first ever car. I don't want to jump in and buy a car, as a brand new road user, not having experienced what's out there. I thought a 3 year lease on a Mini Countryman would teach me a lot about what I like/don't like. I'd love to own thereafter. I definitely can't afford to wallop a whole load down right now but the deal they are offering is affordable for me at the moment. Although a bit eye watering!!! I'd love a little Cooper but as I am a lot older, I have elderly parents or small nieces I envision having to run around - plus and all fishing/all golfing other half! So I needed something bigger.
Re the maintenance - what a good point about being 2 years in to the 3 of the manufacturer's warranty. Hadn't thought of that.
It's a leasing company - basically a financial car broker. They just do the financing so of course want you to get as many extras as possible.
I can add roadside assistance via my car insurance for £65 per year.
So I am tempted to say no to the maintenance agreement