Just looking at company car options, as we've relaxed the rules on the
age of car we can use.
My list is:
Audi A4 2.0TDI-SE
BMW 320d SE
Volkswagen Passat 2.0TDI Highline
or
£475 (gross) cash.
Given that I pay company car tax at the moment, that gross figure can be
taken as the net figure I can spend.
Looking around, I could get a GT JTDm on an 06 plate for £12-13k,
financed over 3 years and including insurance for that kind of money.
I'd still have a diesel card, so could claim back the tax on the
difference between the 12p / mile company rate and the IR rates, which
would pay for maintenance.
After 3 years, Katie would have a 5 year old GT to use.
Whilst this looks like a perfect plan, I can't help but get a tad
nervous about opting out of the safety net of a company scheme -
especially as I do around 40k miles / year.
The one thing that really puts me off is that I assume I can only claim
my tax back once a year, which would put me out of pocket in the first
year, at least.
What do you lot reckon?
--
SteveH 'You're not a real petrolhead unless you've owned an Alfa Romeo'
www.italiancar.co.uk - Ducati 750SS - Hongdou GY200
Alfa 75 TSpark - Alfa 156 TSpark - B6 Passat 2.0TDI SE
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