New Car Buyers Guide from New Car Bundle

Overview

New Car Bundle have created the following new car buyer's guide to help you make an informed decision regarding your next vehicle purchase. From help choosing the right car bodystyle to selecting the right safety equipment, we are here to help.

Quality promise

All of our new cars come with a full manufacturer's warranty, car tax and 24/7 breakdown cover.

Choosing the right car

What is the most suitable type of car? Should it be petrol or diesel? How to minimise depreciation?

Understanding car finance & car loan options

The different types of car finance can be confusing. At New Car Bundle, we'll help you find out which one is right for you and your budget.

Delivery

When you order your new car with New Car Bundle, we deliver your car direct to your door at no extra cost!

After sales

If you are not 100% happy with your car or have some questions please get in contact with the New Car Bundle customer care team.

Know your rights

What are my rights for new cars? Or used cars? What to do if things go wrong?

FAQs

Have a question or unsure about the New Car Bundle buying process? Check out our FAQs.

Quality promise

You will receive the following benefits with a New Car Bundle bundle:

  • A full manufacturer's warranty (which may vary depending on vehicle manufacturer)
  • 12 months car tax
  • 24/7 breakdown cover
  • A full multi-point inspection check by qualified technicians
  • Full valet and service before being delivered to you
  • Delivery of your car direct to your door for no extra cost†
  • A detailed handover is available so you can familiarise yourself with your new car controls
  • Service and maintenance packages available*

Choosing the right car

Choosing the right bodystyle

Choosing a body shape is a question of both practicality and style. There are seven options: saloon, hatchback, estate, MPV (or multi-purpose vehicle), coupe, cabrio or off-roader, also known as SUV (or Sports Utility Vehicle).

  • Saloons have a separate boot, which means that loads are hidden from view. On smaller cars (up to Golf/Focus size), saloons are out of fashion.
  • Hatchbacks are characterised by a tailgate that lifts up from the bumper and includes the rear window. On smaller cars, they are now the rule rather than the exception, but on executive cars they have no appeal at all.
  • Estates offer a larger load space by extending the roof to the rear of the car. Originally the most practical mainstream design, estates are now quite fashionable and are often designed to look a bit sporting (e.g. Alfa 156 Sportwagon), which means they might not have as much room as you expect.
  • MPVs are a completely different category. There are now three different types of MPV: full size models like the Ford Galaxy, small MPVs like the Renault Scenic, and utility MPVs or "vans with windows" like the Citroen Berlingo. The number of seats varies from five to seven (or occasionally eight) depending on the model.
  • Off roaders started life as genuine farm vehicles like the original Land Rover or Jeep. Now usually designed more for the road, they look butch but are far easier to drive. The big news in this sector is "crossover" vehicles like the Volvo XC90 which is part off roader, part MPV and part estate.
  • Coupes have always had their place in the market, but recently have been losing out to the growing popularity of convertibles.
  • Convertibles are a big success story at present, especially as many are becoming available with folding metal roofs that turn them into coupes as well (e.g. Peugeot 206 Coupe Cabrio).

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Choosing the fuel

The type of engine you choose will greatly affect the character and performance of your vehicle. Alternative fuels such as gas and electricity are just starting to catch the public imagination - especially in London where they are not subject to the Congestion Charge.

At present, the main choice is still between diesel and petrol, with diesel driving just over a quarter of all new cars sold today. Diesel sales have soared in the last three years for two reasons. Firstly, the Government made changes to the taxation of company cars which benefit cars with low carbon dioxide (CO2) emissions. Diesels always score well for CO2, although most diesels have to pay a small excess due to their higher emissions of other pollutants (mostly small particulates). Secondly, there has been a revolution in diesel technology. In recent years, "common rail" diesels have been developed which are far more powerful (and more economical) than older designs. Common rail works by injecting all the fuel from a single pipe, or rail at immense pressures - over 10,000 pounds per square inch, the idea being that the higher the pressure, the greater the engine's efficiency. If you are considering a diesel, make sure that it is common rail - typical abbreviations are HDI, CRD, TDCI or PD (PD being VW's equivalent to common rail which works slightly differently, but gives the same result). The last of the non-common rail diesels are still being made and should be avoided - they are usually the cheapest diesels in the range, such as the 1.9 SDI fitted to some VW and Skoda models.

The latest diesels are always more economical than the equivalent petrol (typically 30% better), but they may be more expensive to buy and diesel is no cheaper than petrol. More surprisingly, diesels are now often nicer to drive than petrols - they have more power between 30 mph and 70 mph, which is where you need it most. They are also quieter on the motorway as they are lower revving (i.e. the engine is running more slowly for a given road speed). However, diesels are still noisier when they are cold, so a 6 a.m. start in winter can have you worrying about waking the neighbours. Check our road tests for more information on particular models.

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Getting the right safety equipment

ABS
ABS, or anti-lock braking system, is a sophisticated system that stops your brakes locking up if you have to brake sharply, preventing skidding and loss of control - it even allows you to swerve to avoid an object during an emergency stop.

Seat belts
All new cars have seat belts in the front and rear that comply with British safety standards. Some cars now have a "three point" belt in the back for the middle passenger (like the ones in the front), rather than the old fashioned lap-only belt. If you regularly carry three in the back, this is a major consideration: a lap-only belt, although far better than nothing, can cause serious stomach injuries as the whole force of the impact will be taken through the stomach. The only extra feature you may want to ask about is the seat belt pre-tensioning system - it pulls the belt tight in the event of an impact, clamping you to the seat faster than a standard belt's fast-pull locking system.

Airbags
Airbags are inflatable cushions that expand in a fraction of a second in the event of a collision. Drivers' airbags prevent the driver hitting the steering wheel, a major cause of injuries. Passenger air bags prevent the front passenger hitting the dashboard, although a correctly worn seat belt should do this anyway. Side air bags provide some protection against the intrusion of body panels in a side impact. Nearly all cars now have a driver's airbag fitted as standard, with passenger and/or side impact air bags as optional extras, often costing up to £500. More upmarket models are now offering head curtain airbags that fire out of either the headlining or side pillar - these dramatically reduce the likelihood of injury.

Headrests
Headrests play a major role in safety, preventing whiplash injuries as the head is thrown backwards during an impact. Look for cars with headrests fitted to both the front and back seats. If they are adjustable make sure they are positioned correctly. Badly positioned headrests can be as bad as none at all. As a rough guide, the headrest should be in line with the back of the head, not in line with the neck. In the latter case, the head could just pivot around the headrest, causing injury.

Child seats
Child seats, particularly those that are rear facing (used until a child is at least one-year-old), should not be used in a seat equipped with an airbag. However, many cars now have the facility to turn off a passenger seat airbag using a special keyhole - check before fitting though. The latest child safety seats are fitted using the ISOFIX system. These are child seats designed for a particular make of car and are easier to install and remove.

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Choosing security equipment

Manufacturers' standard security devices are often not effective enough to protect your car. Studies of new cars often reveal that they fail to meet the Home Office's security guidelines, which suggests that a car's locking system should keep a thief at bay for at least two minutes. The most important security features are locks, alarms and immobilisers.

Central locking
Central locking secures all car doors when the key is turned in just one lock. Some systems also close any windows that have been inadvertently left open. Remote central locking systems are operated as you approach the vehicle via a button on the key fob.

Deadlocks
Deadlocks are highly effective. They prevent doors being opened even if windows are smashed.

Alarms
Alarms are effective up to a point. Make sure the system does not work on what is known as a 'voltage drop'. This type of alarm is triggered by a drop in car battery voltage, which happens when someone tries to start the engine. However, cold winter weather can also sap the battery's power, causing the alarm to go off by itself.

Immobilisers
Immobilisers come in two forms:

  • Physical: bars that fit on to the steering wheel, locking it to the accelerator or gear lever
  • Electronic: devices that stop the engine from working if the car is broken into. All new cars now have some form of engine immobiliser.

Tracking systems
Depending on the cost of your car and the area you live in, you may wish to invest in a tracking system which, when activated, can pinpoint your car by satellite. It is estimated that 95 per cent of stolen vehicles using this system are recovered but the fitting and monthly costs can be high. The coverage is now being extended to mainland Europe too. Leading systems include Tracker and NavTrak and they can be astonishingly sophisticated. The latest NavTrak system has a discreet personal ID tag, so even if the thief steals the car with the keys (e.g. by breaking into your house), the control room is alerted.

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Minimising Depreciation

With a New Car Bundle bundle car you get to avoid the depreciation pitfall and enjoy a new car without the pain of watching its value plummet.

A great deal of the eventual depreciation comes down to the image of the car. Image is a complicated mix of aspiration, fashion and reputation that owes something to car advertisements and often little to the car itself. Broadly speaking, image comes from the manufacturer rather than the model. In the second hand market, an Alfa is never going to have the image of an Audi, regardless of how many magazines prefer an individual Alfa to the equivalent new Audi. The only exceptions are small, sporty models that develop an image of their own like the Peugeot 206 Coupe Cabrio or the Ford StreetKa mentioned above. However a mainstream Ford Focus 1.6 is always going to depreciate faster than a VW Golf. Most road testers agree that the Focus is a better car, but the Golf has years of careful VW image-building to fall back on.

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Car finance & car loans

To help you understand the different types of car finance and car loan available, we have summarised the main options below.

Depending on your circumstances, you may decide to opt for a car loan rather than contract or hire purchase.

Regardless of which finance type your opt for, it's essential to check the total amount payable over the life of the loan before signing any agreement.

Things to understand include:

  • The Annual Percentage Rate (APR) – lower rates incur less interest, meaning you'll pay less for the finance
  • Any additional payments such as setup fees (often called finance facility fees or purchase fees) as well as early repayment charges
  • The total amount payable – a lower APR over a longer term may sound appealing, but might end up costing you more in the long run
  • Mileage & excess mileage charges - most PCP packages will have certain annual mileage restrictions. If you exceed the average annual mileage in the agreement an excess mileage charge may be incurred
  • Payment Protection Insurance (PPI) - will cover a shortfall between your insurance and balance remaining on your finance agreement should your vehicle be written off. Many lenders and dealerships offer PPI, so work out if you need it and shop around. You may be able to arrange a cheaper alternative with a standalone provider

Unsecured Personal Loans

An unsecured personal loan is based on your ability to make monthly repayments. Assets such as your house or car are not required as security for the loan. Typically, an unsecured personal loan can offer the following benefits:

  • Monthly repayments and loan term (length) are fixed
  • You own the vehicle outright, the car can be sold at any time, but the repayments will continue regardless of whether you still own the car
  • Flexible unsecured personal loans may allow you to take a break in repayments or repay the loan early, free of charge (although most unsecured personal loans cannot be repaid early without incurring a penalty charge)
  • A deferred loan may offer lower monthly payments with one large payment at the end of the loan agreement

Try our car finance calculator.

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Secured Loans

A secured loan is generally secured against assets such as your home, which can allow you to borrow larger amounts over a longer period of time. Secured personal loans generally benefit from:

  • More competitive interest rates as there's less risk involved for the lender
  • Lower monthly repayments than equivalent unsecured personal loans

It's worth remembering that with a secured personal loan, if you cannot make the repayments, the assets used to secure the loan could be repossessed.

Try our car finance calculator.

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Personal Contract Purchase (PCP)

A PCP allows you to pay a deposit and lease a car over a fixed term with lower monthly repayments. Be aware that a final payment will be required should you choose to keep the vehicle.

An example of Ford's PCP plan called Ford Options might look something like the following:

Total Cash Price of Goods
£11,000.00
Cash Deposit
£500.00
Deposit Allowance
£500.00
Total Deposit
£1000.00
Amount of Credit
£10,000.00
Charge For Credit
£480.00
Finance Facility Fee
£10.00
Purchase Fee
£10.00
Balance of Amount Payable
£10,500.00
Total Amount Payable
£11,500.00
24 monthly payments
£250.00
Final Payment (MGFV)
£5,500.00
Mileage per annum
6,000
Excess Mileage Charge (exc. VAT)
6.0p per mile
Term (months)
24

The final payment – sometimes known as a balloon payment or GMFV is calculated at the beginning of the finance agreement and is based on the predicted future value of your car. At the end of your agreement you'll usually have three options:

  1. Pay the MGFV/final payment and keep the car
  2. Give the car back and walk away from the deal
  3. Use the MGFV as a deposit for your next new car
Pros & Cons of PCP
  • PCP payments are typically lower than Hire Purchase (HP) monthly payments, although you don't fully own the car until the final payment (MGFV) has been paid
  • You won't be allowed to sell the vehicle until the final payment has been made and you should also be aware that excess mileage charges may apply should you exceed the annual mileage restrictions in your agreement
  • For peace of mind motoring, some PCP contracts offer fully maintained plans that include servicing and repair of your vehicle during the agreement.

Try our car finance calculator.

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Hire Purchase (HP)

HP gives you the option to buy a new car over a set term with fixed monthly payments. An initial deposit is generally required to start a new instalment plan, but by the end of the loan agreement, the vehicle is yours with no final balloon payments (like with PCP plans).

Ford's Hire Purchase plan is called Ford Acquire.

Pros & Cons of HP
  • A larger deposit can be used to reduce monthly repayments
  • You will own your car when the final fixed payment has been made
  • You must settle the finance debt before selling the car

Try our car finance calculator.

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Car Finance Summary

There are many different types of finance available to purchase your next new car. When visiting local dealerships, you're likely to be offered manufacturer's Personal Contract Purchase or Hire Purchase plans depending on your circumstances.

Here's a few helpful tips to remember:

  • Use our car finance calculator to get an idea of what your repayments might look like
  • Find competitive deals online using loan search engines
  • Know what your budget is and work out what the best deals are before visiting a dealership - they might not always offer you the best deals
  • Haggle with dealerships to get finance repayments down - taking a manufacturer's finance deal can often mean additional discounts and incentives are available
  • Don't feel pressured into making a decision about car finance - take your time to look at all the options and make an informed decision

Of course, if you're still looking for your next vehicle, why not check out our range of new car deals. Our trusted UK Deal Network would be more than happy to assist with any car finance enquiries you may have.

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Delivery

When you order your new car with New Car Bundle, you have two option regards delivery:

  1. Delivery to a UK main dealer where you can arrange collection of your vehicle
  2. Delivery of your car direct to your door at no extra cost†

For home deliveries you new car can be delivered Monday to Friday at the location of your choice. Although we can’t specify an exact time, if you would like, we can get the delivery driver to call you one hour before arriving at your delivery address.

When your new car is delivered, the New Car Bundle representative will be happy to show you around your new car and instruct you on the features and functionality. If you wish, you can go for a short test drive to help familiarise yourself with your new car.

Please note in some case your new car will be driven to your delivery location.

New Car Bundle are not able to deliver your car outside of the mainland UK.

Delivery lead-time

Delivery times for your new car will vary depending upon the make, model and specifications of the car you have chosen. Our customer support team will get confirmation from the manufacturer around when your car will be available and then advise you of the estimated time of arrival. However, we will keep you updated on progress and let you know when your new car has arrived from the manufacturer.

After sales

Whilst we try our utmost to deliver your car in perfect condition, on rare occasions problems may occur. If your vehicle arrives with any damage or missing optional extras please email us immediately.

If you are not 100% happy with your car or have any questions, please get in contact with the New Car Bundle customer support team at info@newcarbundle.com and we will do our best to help.

Know your rights

Buying new

The law states that your new vehicle must be of a 'satisfactory quality'. In practice, new cars do sometimes develop small faults, but most dealers will put them right under warranty. Problems may arise if the dealer won't help, if you want your money back or if you'd like to change to a different car. Some manufacturers do offer a no-quibble right to return the car within a limited period.

One way to try to avoid these situations is to choose a car from a marque with a reputation for reliability and after-sales service. The number of dealers could be important too. The biggest manufacturers have the most dealerships, so if you choose them there will probably always be a specialist repair and parts garage nearby.

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Taking it further

Other bodies worth contacting are the Consumers' Association for general consumer advice, and the Driver and Vehicle Licensing Agency at Swansea for queries about vehicle ownership. Trading Standards officers can be contacted via your local authority.

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Contacts

National Conciliation Service (NCS)
Retail Motor Industry Federation
9 North Street
Rugby
CV21 2AB.
Telephone: 01788 538317

Consumer's Association
2 Marylebone Road
London
NW1 4DF
Telephone: 020 77707000

Driver and Vehicle Licensing Agency
Drivers Customer Services
Correspondence Team
DVLA
Swansea
SA6 7JL
Telephone: 0300 790 6801
Textphone: 0300 123 1278
Fax: 0300 123 0784

Scottish Motor Trade Association
Palmerston House,
10 The Loan,
South Queensferry
EH30 9NS
Telephone: 0131 331 5510

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FAQs

How up to date is the website?

Our website is checked and updated on a daily basis to ensure that we get you the best price.

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How do I purchase a car from New Car Bundle?

  1. Find a bundle - look through our bundles and select the one you like
  2. Enquiry - When you've found a car you like, contact our advisors via email to ask any questions about your chosen car
  3. Vehicle order - Orders are taken by email, or you may wish to request a call back. We will call you and send you a confirmation order form which should be checked, signed and sent back to us
  4. Delivery - Delivery times vary, but we will let you know how long this will be once we have an agreed date with the manufacturer. Your new car will be delivered to an address of your choice for no additional cost †

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Can I buy online?

New Car Bundle currently doesn’t offer the facility to purchase your new car online.

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How competitive is the New Car Bundle pricing?

New Car Bundle is able to negotiate good deals with manufacturers so we can pass on savings to our customers.

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How long does it take until I have my new car?

The time between placing your order and receiving your new car will depend on lead time from the car manufacturer. Our customer care team will provide you with an exact delivery date as soon as possible.

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Does my car come with a warranty?

All new cars are supplied with the full manufacturer’s warranty and road side assistance. These vary depending on the manufacturer so please check with a New Car Bundle advisor to get more detail on this.

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What advice can you give me about the cars?

New Car Bundle advisors are very knowledgeable about cars and will be able to provide you with a lot of information over the phone. Our team also writes reviews so you can read up on different features and weigh up the style, character and performance of your next car.

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Where do you get the cars from?

All of our new cars are sourced from motor dealers across the UK and are built to full UK specification.

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Can I buy my company cars through New Car Bundle?

Yes, find a bundle your happy with and send your request to us.

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What if I'm unhappy with the car after its delivery?

If you are unhappy with your new car after your delivery then get in touch with us. Please see our Terms and Conditions for more information.

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