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Thread: Xc60 Volvo r-design pcp deal

  1. #1

    Xc60 Volvo r-design pcp deal

    Looked at the r design xc60 in black yesterday at our local dealer auto with metallic
    Lovely car. Wheels look great. They offered me a 4yr pcp deal at £400 a month with £1600 deposit doing 8k miles
    A year. Sounds a decent deal. Anyone seen better ?
    Cheers Andy

  2. #2
    Master senwar's Avatar
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    Quote Originally Posted by lenlec View Post
    Looked at the r design xc60 in black yesterday at our local dealer auto with metallic
    Lovely car. Wheels look great. They offered me a 4yr pcp deal at £400 a month with £1600 deposit doing 8k miles
    A year. Sounds a decent deal. Anyone seen better ?
    Cheers Andy
    Not sure if this is any good, but I've been looking at these myself. I've had a few quotes from carwow, and have seen there are a number or pre registered (less than 100 miles) available for £28,999 saving £12.5k.

    On to your offer - whats the balloon payment?

  3. #3
    Grand Master
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    I have one, good cars love R Design insides and D5 engines capable. Never understood renting a car I like to own it and for £20+k Id just buy a 1-2 year old one and be free to do as many miles as I like and not have to worry about it
    RIAC

  4. #4
    Quote Originally Posted by senwar View Post
    Not sure if this is any good, but I've been looking at these myself. I've had a few quotes from carwow, and have seen there are a number or pre registered (less than 100 miles) available for £28,999 saving £12.5k.

    On to your offer - whats the balloon payment?
    It was a pch deal I’ve just realised so no balloon
    Does seem a bit much really £20k to rent a car for 4 yrs

  5. #5
    Master senwar's Avatar
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    Quote Originally Posted by lenlec View Post
    It was a pch deal I’ve just realised so no balloon
    Does seem a bit much really £20k to rent a car for 4 yrs
    Must be honest, I'd never do a PCH longer than 2yrs but that's just me.

    As you say, the price seems high when you end up with nothing at the end.

    If I'm in a position myself shortly then I'm going to go for one of the pre-reg ones as their high spec. I'd prefer an inscription pro but will happily sacrifice that and a few extras I want to save £12.5k on effectively a new car

  6. #6
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    Better deals than that around for PCH on the XC60 R-Design.

    Good reading on Pistonheads-


    https://www.pistonheads.com/gassing/...?h=0&t=1714957
    Last edited by Hatco1800es; 20th January 2018 at 17:29.

  7. #7
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    Quote Originally Posted by 100thmonkey View Post
    Never understood renting a car I like to own it and for £20+k Id just buy a 1-2 year old one and be free to do as many miles as I like and not have to worry about it
    I can. You can drive a brand new 50k/60k plus car for maybe 20k over 3 years whereas if you bought it you’d lose far more. I do get buying a 1 to 2 year old car if that’s what you’re after but leasing new is such a good deal more and more people are doing it.

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    Quote Originally Posted by Devonian View Post
    I can. You can drive a brand new 50k/60k plus car for maybe 20k over 3 years whereas if you bought it you’d lose far more. I do get buying a 1 to 2 year old car if that’s what you’re after but leasing new is such a good deal more and more people are doing it.
    That makes sense. But personally I can’t bring myself to hire something, as opposed to owning something. My car needs to be my car.

  9. #9
    Master Pitch3110's Avatar
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    Once you loose the ‘owning’ desire PCH makes a huge amount of sense at the price. It is all about experience these days not ownership or so they keep saying

    As said above two year lease of wifeys last Golf R worked out at 50% of the depreciation and my Q7 which goes back in May will work out similar.

    I have an R Design XC90 being delivered in May and the lease is ridiculous why would I want to tie money up in plastic tin and rubber which sits of the drive and depreciates.

    The XC60 looks very nice and these new platform Chinese owned Volvo’s will continue to give the Germans a run for their money and I am sure a headache as they develop further.

    Good luck and excellent choice.

    Pitch

  10. #10
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    But on a opposite side, if you are doing a 4 year deal for let's say 100 quid extra, you might do a hire purchase and own the car afterwards , which will leave you with some residual value, where in a lease you hand the car back and the money is gone

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  11. #11
    Grand Master Dave+63's Avatar
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    Quote Originally Posted by murilloinf View Post
    But on a opposite side, if you are doing a 4 year deal for let's say 100 quid extra, you might do a hire purchase and own the car afterwards , which will leave you with some residual value, where in a lease you hand the car back and the money is gone

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    No.

    If you buy on HP, you end up paying for the car and interest on the whole price less your deposit. It’s going to be far more than an extra £100pm or £4800 over four years.

    If you want a new car every two, three or four years then lease/pch/pcp is far and away the best option financially.

  12. #12
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    Quote Originally Posted by Pitch3110 View Post
    I have an R Design XC90 being delivered in May and the lease is ridiculous why would I want to tie money up in plastic tin and rubber which sits of the drive and depreciates.
    .

    Pitch
    In that case why not just get a 5-8 year old runaround and dont waste money to impress the neighbours
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  13. #13
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    Quote Originally Posted by Dave+63 View Post
    No.

    If you buy on HP, you end up paying for the car and interest on the whole price less your deposit. It’s going to be far more than an extra £100pm or £4800 over four years.

    If you want a new car every two, three or four years then lease/pch/pcp is far and away the best option financially.
    I suppose if you are talking about a new car.. I tend to buy it slightly used, where the big hit is gone.

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    Grand Master Dave+63's Avatar
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    Quote Originally Posted by murilloinf View Post
    I suppose if you are talking about a new car.. I tend to buy it slightly used, where the big hit is gone.

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    That’s a different scenario and one with which I completely agree. I bought my car st five years old and have owned it for the last seven years.

    It’s cheap motoring and a quality, reliable car (E220 estate) but it’s not new!

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    Quote Originally Posted by 100thmonkey View Post
    In that case why not just get a 5-8 year old runaround and dont waste money to impress the neighbours
    Because I am paid a monthly car allowance and I am expected to have a suitable car.

    I would add further that we all have priorities on what we spend (or waste) our hard earned on, I have no vices, watches aside, but I do like a nice motor and I don’t really give a monkeys on what the neighbours think of my car, not that I have that many.

    I could indeed spend a great deal more on my old runaround but I am a tight arse and financial matters are high on Mrs P’s pink job list.

  16. #16
    Grand Master
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    I put it in the same logic category as renting a TV from Radio Rentals
    Last edited by 100thmonkey; 21st January 2018 at 14:45.
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    Quote Originally Posted by Devonian View Post
    I can. You can drive a brand new 50k/60k plus car for maybe 20k over 3 years whereas if you bought it you’d lose far more. I do get buying a 1 to 2 year old car if that’s what you’re after but leasing new is such a good deal more and more people are doing it.
    I don't doubt your figures, but since the lease company still has to dispose of the car after the lease-term, probably for less than you could sell it for privately - I would have to assume that the lease companies are able to make money on the whole deal simply by paying a lot less than normal when they stock their fleet (in much the same way as car-hire companies)

    Where else can they make money out of it, as they are in effect acting as a car-owner, just like I would - if I was to buy that car outright.

  18. #18
    Master Pitch3110's Avatar
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    Quote Originally Posted by 100thmonkey View Post
    I put it in the same logic category as renting a TV from Radio Rentals
    It’s much the same as my business. We hire in all our plant rather than purchase it, better business capital used to tie up land and good cash balance rather than in a depreciating asset. Leasing or hiring is not a rude word in business it is quite normal generally a lot of the plant hire companies work this way.

    Likewise with motoring. If the cost of a lease is less than the depreciation on an asset it is a complete financial no brainer. But, if the mindset is I want/must own my car than that’s the individuals choice and there is nothing wrong with that whatsoever, leasing is not everyone’s cuppa.

    Pitch

  19. #19
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    Quote Originally Posted by Pitch3110 View Post
    It’s much the same as my business. We hire in all our plant rather than purchase it, better business capital used to tie up land and good cash balance rather than in a depreciating asset. Leasing or hiring is not a rude word in business it is quite normal generally a lot of the plant hire companies work this way.

    Likewise with motoring. If the cost of a lease is less than the depreciation on an asset it is a complete financial no brainer. But, if the mindset is I want/must own my car than that’s the individuals choice and there is nothing wrong with that whatsoever, leasing is not everyone’s cuppa.

    Pitch
    Could not agree more. Why put capital on a depreciating asset. Unless your car is an appreciating one. Awaiting my 5th PCH lease car in March and having done all the sums on BMWs, Porsches, VW ups and 4×4s, it's a real no brainer to pay just over £300 PCM for a £40k car and hand it back after a few years. Why fund capital finance for purchase, let alone depreciation.

  20. #20
    Grand Master
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    But all PCP or Lease deals add up only if you compare with a “new’ car if you brought a 2-3 year old one it would be loads cheaper to own, if your ego is that big that you dont want anyone to know its n to new then get a private plate
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  21. #21
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    Quote Originally Posted by 100thmonkey View Post
    But all PCP or Lease deals add up only if you compare with a “new’ car if you brought a 2-3 year old one it would be loads cheaper to own, if your ego is that big that you dont want anyone to know its n to new then get a private plate
    Owned both, and would happily own another again. I had a 1971 Volvo 1800ES as a daily driver for most of the 90s. Old 911s. New cars a plenty. Ego has nothing to do with it. Right tool, right job and the right time. And before it's said, I don't need to impress colleagues or neighbours.

  22. #22
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    Quote Originally Posted by 100thmonkey View Post
    But all PCP or Lease deals add up only if you compare with a “new’ car if you brought a 2-3 year old one it would be loads cheaper to own, if your ego is that big that you dont want anyone to know its n to new then get a private plate
    Very odd.

    Just like owning a Rolex over a Casio is ego then?

    From your responses you clearly don’t get the benefit of pcp or lease deals (like most people seem to) yet you’re spending time on them here.

  23. #23
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    Interesting thread. We currently own our cars but I am looking st PCP for the next family wagon. It means the cash is freed up for other things, a small deposit is needed, you have a new car with the nice mod cons they have these days and then you chop it in for a new one in x years time. It’s more expensive than buying a 2/3 year old equivelant model and maybe the same price as buying the same car new and suffering depreciation. Ultimately it frees up money for other things and means the family car will always be new which is nice.

  24. #24
    Master Pitch3110's Avatar
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    Quote Originally Posted by 100thmonkey View Post
    But all PCP or Lease deals add up only if you compare with a “new’ car if you brought a 2-3 year old one it would be loads cheaper to own, if your ego is that big that you dont want anyone to know its n to new then get a private plate
    Let’s just agree to disso Kerry what’s right for one not necessary right for the other.

    Regards plates, all my lease cars have been registered on my plate not an age related brand new Reg one.

    ATB

    Paul

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  26. #26

    Smile

    Quote Originally Posted by 100thmonkey View Post
    I put it in the same logic category as renting a TV from Radio Rentals

    Showing your age there mate!!!

  27. #27
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    Quote Originally Posted by Gareth-W View Post
    Showing your age there mate!!!
    I think they closed Down and I still have that tv!

    They have never asked for it back


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  28. #28

    Smile

    Quote Originally Posted by 100thmonkey View Post
    I think they closed Down and I still have that tv!

    They have never asked for it back


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    Win/win!!!!

    Can't beat a 24" CRT television.....

  29. #29
    Master senwar's Avatar
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    The ones for sale I mentioned earlier are annoyingly the old models. Thought it was too good to be true.

    I’ve had a quote for an r design model with CarPlay metallic and winter pack for £408 per month and deposit of £2k. 10k miles pa and 24 months.

  30. #30
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    Quote Originally Posted by Gareth-W View Post
    Win/win!!!!

    Can't beat a 24" CRT television.....
    Flatscreens no good to me, where would the cat sleep?


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  31. #31
    Rent and buy bitcoin with the rest

  32. #32
    Quote Originally Posted by senwar View Post
    The ones for sale I mentioned earlier are annoyingly the old models. Thought it was too good to be true.

    I’ve had a quote for an r design model with CarPlay metallic and winter pack for £408 per month and deposit of £2k. 10k miles pa and 24 months.
    That’s still a decent deal isn’t it?
    Mine over 2 yrs was £440 a month doing 8k miles

  33. #33
    Master senwar's Avatar
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    Quote Originally Posted by lenlec View Post
    That’s still a decent deal isn’t it?
    Mine over 2 yrs was £440 a month doing 8k miles
    Works out about 28% of total price so not a bad deal although I’ve seen better % just not on this vehicle (yet). I may go for this to be honest. That’s with a Volvo dealer direct as well.

  34. #34
    Grand Master number2's Avatar
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    8,000 miles per year,,

    "Once is happenstance. Twice is coincidence. The third time it's enemy action."

    'Populism, the last refuge of a Tory scoundrel'.

  35. #35
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    I prefer NOT owning something that could potentially break down expensively.

    A 3-4 year old run around sounds great, if nothing goes wrong.

    I'd rather pay a little extra to take the 'if' out of the equation.

    An 8 year old run around would be cheaper again, but even more likely to break down.

    And with 2 babies in the back, I prefer the higher safety ratings of newer cars.

    I look at leasing purely from a cost of ownership point of view.

    If its costs about the same to lease a new car for 2 years, as it would to own a 3-4 year old one for the same period, it's a no brainer.

    Also, you can invest the 20k you would have spent buying outright - that swings it even more in favour of leasing.
    Last edited by demonloop; 24th January 2018 at 12:47.

  36. #36

    Smile

    Quote Originally Posted by senwar View Post
    Works out about 28% of total price so not a bad deal although I’ve seen better % just not on this vehicle (yet). I may go for this to be honest. That’s with a Volvo dealer direct as well.

    Got to love the daft PH "% of list price" equation to decide if its a good or average (or poor) deal........given that MRSP is a totally fictional number that no ones ever pays in the real world it's a worthless exercise I'm afraid...

    - - - Updated - - -

    Quote Originally Posted by 100thmonkey View Post
    Flatscreens no good to me, where would the cat sleep?


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    If it's like ours, wherever they bloody please!!!

  37. #37
    Master senwar's Avatar
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    Quote Originally Posted by Gareth-W View Post
    Got to love the daft PH "% of list price" equation to decide if its a good or average (or poor) deal........given that MRSP is a totally fictional number that no ones ever pays in the real world it's a worthless exercise I'm afraid...
    I see what you're saying (and understand your line of work) but obviously it's just a basis to try and work something out. However, as you say, the price is never the price.

    For info, I've specc'd an Inscription Pro up at just shy of £50k. Through Carwow, I have this down to £42,500. A quick calc on drivethedeal, brings the exact spec (what I've been quoted for) r-design down to £36,400.

    I suppose looking at it that way, would a 2yr old XC60 r-design be worth £25,000? Possibly. That's the more realistic calculation.

  38. #38

    Quote Originally Posted by senwar View Post
    I see what you're saying (and understand your line of work) but obviously it's just a basis to try and work something out. However, as you say, the price is never the price.

    For info, I've specc'd an Inscription Pro up at just shy of £50k. Through Carwow, I have this down to £42,500. A quick calc on drivethedeal, brings the exact spec (what I've been quoted for) r-design down to £36,400.

    I suppose looking at it that way, would a 2yr old XC60 r-design be worth £25,000? Possibly. That's the more realistic calculation.

    I'd be inclined to decide if it's PCP or PCH you want before perhaps getting quotes left, right and centre. If you do want to run the XC60 for 36/48 months and 100% know you will have it for the full term (this is key here) there is some value in looking at PCP - but accept your deposit is funding the depreciation. If you are more likely to want to run it for 24 months and walk away then PCH would make more sense of course.

    Volvo are supporting the RV's to get to these deals on the XC60 (and XC90 too) and as a way to take market share of course.

    Have to say both in R Design spec are handsome SUV's and a change from the Germanic norm as well. Shame the engines aren't as good as the rest of the car but as a package they are very good indeed.

  39. #39
    Master senwar's Avatar
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    Quote Originally Posted by Gareth-W View Post
    I'd be inclined to decide if it's PCP or PCH you want before perhaps getting quotes left, right and centre. If you do want to run the XC60 for 36/48 months and 100% know you will have it for the full term (this is key here) there is some value in looking at PCP - but accept your deposit is funding the depreciation. If you are more likely to want to run it for 24 months and walk away then PCH would make more sense of course.

    Volvo are supporting the RV's to get to these deals on the XC60 (and XC90 too) and as a way to take market share of course.

    Have to say both in R Design spec are handsome SUV's and a change from the Germanic norm as well. Shame the engines aren't as good as the rest of the car but as a package they are very good indeed.
    To be honest, I initially started off with aiming to own as I would like to think I'd keep for 4 or 5 yrs. However, never having owned anything more than 2.5yrs, I'm not so good at sticking with things.

    At the moment, I'm leaning towards a 2yr deal be it PCH or PCP - primarily because I'd like to see what 2020 brings in the whole dieselgate world and Volvo's electric statement. I was considering the T8 but to be fair its just too expensive for my needs and not as economical as the diesel. I had considered Volvo's 0% deal too but that would mean 50% deposit (and the subsequent sale of some watches!). A PCP would put me in a better position (possibly) come the end of the deal and getting something else Volvo.

    I took the XC60 for an extended test drive after having a similar one in a Q5. Far preferred the Volvo and I was relatively impressed overall. Lovely looker as well.

  40. #40
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    8,000 miles? I need a deal for approximately 20,000 miles/pa

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  41. #41
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    Quote Originally Posted by senwar View Post
    I suppose looking at it that way, would a 2yr old XC60 r-design be worth £25,000? Possibly. That's the more realistic calculation.
    I purchased a just under 2 year old XC60 RDesign fully loaded with low miles for £20k. If in 4 years it’s worth nothing (which it won’t be) then it’s cheaper than renting plus it’s all mine and I can do what I like to it plus all the miles I care for



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  42. #42
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    Quote Originally Posted by 100thmonkey View Post
    I purchased a just under 2 year old XC60 RDesign fully loaded with low miles for £20k. If in 4 years it’s worth nothing (which it won’t be) then it’s cheaper than renting plus it’s all mine and I can do what I like to it plus all the miles I care for
    Just think if you'd leased it and put your 20k into Bitcoin ;-)

    I know how you feel about preferring to own the car, I used to be the same but sometimes leasing is hard to ignore.

    Assuming the gearbox doesn't eat itself, engine doesn't go bang, etc etc a 2 year old will normally be a better buy

    There's other good points about leasing too, apart from warranty.

    I used to hate selling my car when it came time to change too, so I don't miss that one bit.

    Timewasters, tinkers, scammers, etc etc

    I would never buy a brand new car with my own money, and I only lease the ridiculous manufacturer supported deals, so it works out not as bad as you might think.

  43. #43
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    Last car I brought a year old. Had it for 14 years and sold it for a grand. Apart from routine replacements like tyres and oils etc it didn’t cost much in fact in its entire life it lost less than the VAT on a newmone


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  44. #44
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    Quote Originally Posted by 100thmonkey View Post
    Last car I brought a year old. Had it for 14 years and sold it for a grand. Apart from routine replacements like tyres and oils etc it didn’t cost much in fact in its entire life it lost less than the VAT on a newmone
    So, you've gone from a Yaris to an XC60 ? That was you selling that recently unless I'm mistaken ?
    If so, I bet that's a life changing uplift for you ?

  45. #45
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    Quote Originally Posted by reggie747 View Post
    So, you've gone from a Yaris to an XC60 ? That was you selling that recently unless I'm mistaken ?
    If so, I bet that's a life changing uplift for you ?
    No it’s was an IQ I had which is now a Golf R the Volvo is the dog and horse wagon


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  46. #46
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    Quote Originally Posted by 100thmonkey View Post
    No it’s was an IQ I had which is now a Golf R the Volvo is the dog and horse wagon


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    Golf R.... Mmmmmmm

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  47. #47
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    Quote Originally Posted by D_redd View Post
    Golf R.... Mmmmmmm

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    With Revo Chip.....Mmmmmmmm Mmmmmmmm
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  48. #48
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    Don't want to derail the thread, but.... Niiiiiice! What colour?

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  49. #49
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    Quote Originally Posted by D_redd View Post
    Don't want to derail the thread, but.... Niiiiiice! What colour?

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    White at the moment!!!


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    RIAC

  50. #50
    I’ve been running an XC60 for nearly 2 years now. Nice car but the turning circle requires a 15 point turn - it’s probably easier turn a bus round!


    Sent from my iPhone using Tapatalk

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