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Author Topic: Insignia Auto boxes  (Read 10633 times)

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Re: Insignia Auto boxes
« Reply #15 on: 20 October 2013, 10:43:46 »

I hope so :-\

 ;D ;D ;D ;D

I thought yours was an auto  ;D

This will be a daily driver though, could be racking up miles fairly quickly. You happy with yours?

What engine have you got? I see there are a few variants of the CDTi - MPG looks impressive, you manged to get over 50mpg from yours?

2.0 Diesel, 160 Bhp.

Best I've achieved is about 49, car heavily loaded, air con on.
So the autobox really does kill the mpg, unsurprisingly?  What do you normally average, tootling about on a normal week?


Tunnie, why auto? I naturally distrust FWD autos. Additionally, an auto needs a big engine. Whiilst the 160bhp (there are a lot of 130bhp variants) version of the CDTi isn't too bad, its probably still lacking for auto use. Lastly, for a daily commuter, if there is a lot of urban work, you'll find mpg seriously suffers.

Tootling about, and I mean tootling about, 36/37, as opposed to 21/22 in the Omega.

I would imagine 50+ driving solo with the car unladen is easily achievable, but never had the opportunity to try it.

Most of my long distance driving these days involves going on holiday (Mrs AA always takes the kitchen sink), or towing the 'van.

I find the six speed auto quite smooth.

Always drive any car with the air con on, so never tried to see what I would get without it.
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I_want_an_Omega

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Re: Insignia Auto boxes
« Reply #16 on: 20 October 2013, 12:17:00 »

Google "HMRC Advisory Mileage Rates" & all will be revealed in this area ........
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05omegav6

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Re: Insignia Auto boxes
« Reply #17 on: 20 October 2013, 12:21:53 »

My 3.2 costs 38ppm, including fuel, insurance, tyres, servicing, brakes and road tax :y

Fuel, not yet LPG, is 26ppm (@1.32ppl)

Any new(er) car will cost atleast as much as you have to account for depreciation, for example, my brand new £12.5k Seat Altea diesel I had before cost 22ppm in fuel (@1.35), and 8ppm in depreciation, even allowing for cheaper road tax, it still cost me 40ppm.

So basically my Omega, which is a proper car rather than a tinfoil pos, actually costs less compared to said pos ::)

Also, the more expensive the newer car is, the higher the depreciation, and therefore the higher the ppm costs,

For reference, the fuel costs above are actual numbers, based on actual mileage, the others are based on full service (plugs/filters/oil), brakes (discs and pads all round), tyres (4), insurance and road tax all divided by 10k.
For depreciation on the Seat, the £10k loss in value was £12.5k purchase price less the final trade in value of £2.5k, over 130k miles.

When estimating future value, don't use forecourt prices as you will never realise them :y
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I_want_an_Omega

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Re: Insignia Auto boxes
« Reply #18 on: 20 October 2013, 12:33:58 »

Google "HMRC Advisory Mileage Rates" & all will be revealed in this area ........

I should also mention that you can also claim tax relief on the difference between the rate actually received and the full 45ppm rate - so that needs to be taken into account also. There are some annual limits in place regards this - but anyone who has been playing this game will know all about that.  :y
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tunnie

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Re: Insignia Auto boxes
« Reply #19 on: 20 October 2013, 12:36:07 »

Thanks all, depreciation is being considered.  :y

Fuel only my 2.2 is around 12ppm, but it does need fairly regular tlc. We will need something that does at least 45mpg+ to ensure fuel allowance covers fuel + little left for basic work.

The Insignia is possible, but to be honest every time I've gone to see one in the flesh it's been very disappointing. As we did consider the Estate once, we went to see one.

I suspect something like this maybe on the cards

http://www.autotrader.co.uk/classified/advert/201309068657222/sort/default/usedcars/body-type/coupe/maximum-mileage/up_to_20000_miles/transmission/automatic/fuel-type/diesel/model/e_class/make/mercedes-benz/onesearchad/used/onesearchad/nearlynew/onesearchad/new/radius/1500/page/3/postcode/w39ej?logcode=p
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tunnie

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Re: Insignia Auto boxes
« Reply #20 on: 20 October 2013, 12:37:39 »

Google "HMRC Advisory Mileage Rates" & all will be revealed in this area ........

I should also mention that you can also claim tax relief on the difference between the rate actually received and the full 45ppm rate - so that needs to be taken into account also. There are some annual limits in place regards this - but anyone who has been playing this game will know all about that.  :y

Sadly not much can be done, there is a car allowance given which is aimed for car purchase/finance.

There is a set ppm rate, regardless of fuel type. Distance traveled (no matter how high or low) is calculated at this rate and payment given, no room to negotiate. 
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05omegav6

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Re: Insignia Auto boxes
« Reply #21 on: 20 October 2013, 13:01:39 »

Re that Merc, it only has 4 seats, and assuming a realistic 44mpg, a fuel cost of 15.6ppm. Lets assume 40k miles a year. £6240

With a 10% deposit, looking at £600 pm over 4 years, or £7200 pa.

Tyres £600 for four, every 20k so £1200.

Servicing, average of £300 every 20k, so £600

Brakes, discs and pads every 40k/annually £800

Road tax £168

Insurance £350

Depreciation (value after 4 years 160k) £4k, so a drop of 20k, so 12.5 ppm, £5000

Maintenance assumes dealer for warranty purposes.

Total annual cost = £21208 or 53.8ppm

Ok I have made alot of assumptions there, but now tell me which is the best deal, honestly :y
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tunnie

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Re: Insignia Auto boxes
« Reply #22 on: 20 October 2013, 13:12:45 »

Re that Merc, it only has 4 seats, and assuming a realistic 44mpg, a fuel cost of 15.6ppm. Lets assume 40k miles a year. £6240

Why is only 4 seats a problem? He only needs one  ;D 44mpg, that's very conservative. Book says 47, we've got first hand experience of C220 CDi, book say 48 on that, but we've been averaging 50+

Quote
Tyres £600 for four, every 20k so £1200.

20k? Come now, 40k easy. First set of boots FatherT had lasted shade over 50k  :y

Quote
Ok I have made alot of assumptions there, but now tell me which is the best deal, honestly :y

Not another Omega  ;)

XF 3.0d is a strong contender I think, they can be had for around £15k, although they will do only 40mpg

I won't be living at home, so cannot do the weekly checks an Omega needs. Car will be needed, currently other arrangements can be made such as train to airport.

There is real lack of good Omega's out there, could go Rodger Budden's Omega's - He gets some super low miles ones, in great condition. However even with LPG, it's not a viable option for fatherT.
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05omegav6

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Re: Insignia Auto boxes
« Reply #23 on: 20 October 2013, 13:29:02 »

About my assumptions,

That car, being second hand, will have some wear on the tyres already, budgeting for a set every 20k allows for punctures and pot hole damage.

Should be checking levels every week on anything, be it a £50 Metro or a £500k Bugatti ::)

If you are realistic with the fuel economy, you get change, if you over estimate the mpg, you lose out ::)

The E class is bigger and heavier than the C class ::)

It is only an idea of the numbers, based on alot of assumptions, but people rarely look at the actual costs when buying a car until they suddenly realise just how much it costs at the first service, or when the exhaust falls off...

Without depreciation or finance, the Omega is 30ppm cheaper to run. Just saying, like :y
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tunnie

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Re: Insignia Auto boxes
« Reply #24 on: 20 October 2013, 13:39:43 »

Aware E Class is heavier than C, it's bigger  ::)

What I'm saying is in our experience, the book is under estimating mpg  :y - The Omega's are old, their replacement was always a matter of time.

Tyres? - Well any car needs these, a Merc or Jag just the same cost wise. (assuming no silly AMG alloys)

Road Tax? - Well that is cheaper for a start!

Insurance - About the same, could even be less, which is insane given an Omega is worth as much as a Mars bar & bottle of coke on a good day.

The key cost increase will be depreciation & service costs, everything else it's a winner. I won't be there day to day, to help out on jobs. Merc offer a service where they come to you to collect the car, service it and bring it back. That's kind of service fatherT needs, zero hassle  :y
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Crazycarzowner

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Re: Insignia Auto boxes
« Reply #25 on: 20 October 2013, 13:44:56 »

My 5 speed auto 2.5 diesel Skoda if driven liberally will easy return over 40mpg over the 60 mile round trip I have to work and back. When we went down south on hols this year I got a maximum of 48mpg. Just a case of how heavy ya right foot is. The newer versions (like my F-I-L has) has the 2.0 diesel with 7 speed auto, I assume he'll get more but not much  :-\ :-\ :-\
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05omegav6

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Re: Insignia Auto boxes
« Reply #26 on: 20 October 2013, 13:46:23 »

Time will tell, but will be interesting to see what they come up with being lifelong Omega owners :y

£12k pa is mortgage money though :-\

My 5 speed auto 2.5 diesel Skoda if driven liberally will easy return over 40mpg over the 60 mile round trip I have to work and back. When we went down south on hols this year I got a maximum of 48mpg. Just a case of how heavy ya right foot is. The newer versions (like my F-I-L has) has the 2.0 diesel with 7 speed auto, I assume he'll get more but not much  :-\ :-\ :-\
Certainly not enough to pay for the DSG box when it goes bang ::)
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tunnie

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tunnie

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Re: Insignia Auto boxes
« Reply #28 on: 20 October 2013, 13:49:30 »

Time will tell, but will be interesting to see what they come up with being lifelong Omega owners :y

One is already been converted, she likes it. Auto wipers, auto headlights, 7 speed box, 50+ mpg, parking sensors all around, packed full of gadgets. All she has to do is steer and press the pedals occasionally.  ;D
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05omegav6

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Re: Insignia Auto boxes
« Reply #29 on: 20 October 2013, 13:54:35 »

The numbers won't be much different on that, probably 50ppm :-\
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