Salary sacrifice leasing

Author
Discussion

PaulWoof

1,629 posts

158 months

Thursday 30th May
quotequote all
possibly silly question but spurred for the ariya EV thread where apparently you cant set the limit of battery percent to charge to.

if you are leasing. does the "dont charge to 100% every day" go out the window as realistically the car is not yours and will be going back in 2/3/4 years. so long term battery health isnt your concern. Just charge to 100% and long term battery health is lease company/future owners problem?

KTF

9,865 posts

153 months

Thursday 30th May
quotequote all
TheDrownedApe said:
Sorry no idea what C level is but assume it's for those with large salaries; I'm a normal 40% rate payer.
C level are the 'chiefs' at the top of the food chain smile CEO, COO, CFO, etc.

Pistonheadsdicoverer

310 posts

49 months

Thursday 30th May
quotequote all
PaulWoof said:
possibly silly question but spurred for the ariya EV thread where apparently you cant set the limit of battery percent to charge to.

if you are leasing. does the "dont charge to 100% every day" go out the window as realistically the car is not yours and will be going back in 2/3/4 years. so long term battery health isnt your concern. Just charge to 100% and long term battery health is lease company/future owners problem?
I have the Ariya and this is exactly how I am looking at it. I have the car for 2 years. I will charge it to 100pc and give it back.
Bear in mind as well that Nissan has been in the EV market for longer than anyone else with the 12/13 year old leaf, so they know a thing or two about battery degradation.


riskyj

393 posts

83 months

Thursday 30th May
quotequote all
Pistonheadsdicoverer said:
I have the Ariya and this is exactly how I am looking at it. I have the car for 2 years. I will charge it to 100pc and give it back.
Bear in mind as well that Nissan has been in the EV market for longer than anyone else with the 12/13 year old leaf, so they know a thing or two about battery degradation.
I was originally the same with my leased EV. My view was that any degradation was simply not my problem. However, as a recent buyer of a used EV I now see it from both sides. Now charging to 80% max for day to day usage.

m3jappa said:
q8 etron 50 black edition in ultra blue with tech pack.

806 a month!
Gross or net?

I’m paying about £960 gross for the predecessor (original e-tron 55 in base Technik spec) which seemed like a good deal at the time! Thinking of swapping it out for whatever Arval have on deal currently as it seems like a horrific monthly amount in hindsight.

Edited by riskyj on Thursday 30th May 20:37

dino_jr

372 posts

179 months

Thursday 30th May
quotequote all
If the Nissan can't limit the max charge then fair enough, but the "I'll charge to 100% all the time because it goes back in x years anyway" attitude just further puts of used buyers...

Pistonheadsdicoverer

310 posts

49 months

Thursday 30th May
quotequote all
I should caveat that (a) The actual capacity of the battery is 91KWh and usable at 87KWh. So the battery never really get charged to 100%. (b) I charge the car on average once fortnight on average. I expect to charge it 40 times before I give it back. That's about £250 worth of charging over 2 years to complete my 12,000 mile lease lease

SWoll

18,792 posts

261 months

Thursday 30th May
quotequote all
Pistonheadsdicoverer said:
I should caveat that (a) The actual capacity of the battery is 91KWh and usable at 87KWh. So the battery never really get charged to 100%. (b) I charge the car on average once fortnight on average. I expect to charge it 40 times before I give it back. That's about £250 worth of charging over 2 years to complete my 12,000 mile lease lease
No need to caveat anything, you're paying for the car so use it as you see fit.

riskyj

393 posts

83 months

Thursday 30th May
quotequote all
What is more detrimental in the long run? The home user who charges to 100% every time, but only does so once a week and at 7kwh, or the user who only charges to 80% but constantly uses rapid chargers?

Similarly, is it worse to run the battery down to say 20% before charging back up to 80%, or are you better to keep it topped up?

essayer

9,182 posts

197 months

Thursday 30th May
quotequote all
Charging an Ariya to 100% regularly will not damage the battery even over a multi year term. I wouldn’t give it a moment’s thought.

m3jappa

6,482 posts

221 months

Friday 31st May
quotequote all
riskyj said:
Gross or net?

I’m paying about £960 gross for the predecessor (original e-tron 55 in base Technik spec) which seemed like a good deal at the time! Thinking of swapping it out for whatever Arval have on deal currently as it seems like a horrific monthly amount in hindsight.

Edited by riskyj on Thursday 30th May 20:37
Thats net.

It feels like a horrific amount to me too, but working it all out it works out about the same as pcp on a car a few years old (something around 30-40k) The biggest thing here for us is we moved to a house with solar panels and we don't do a lot of miles. It 'should' cost very little to fuel it which levels the costs.

For example we have a cayenne v8d at the moment and when you combine the finance payment with insurance, fuel, tax , maintenance this works out less.

Pistonheadsdicoverer

310 posts

49 months

Friday 31st May
quotequote all
m3jappa said:
Thats net.

It feels like a horrific amount to me too, but working it all out it works out about the same as pcp on a car a few years old (something around 30-40k) The biggest thing here for us is we moved to a house with solar panels and we don't do a lot of miles. It 'should' cost very little to fuel it which levels the costs.

For example we have a cayenne v8d at the moment and when you combine the finance payment with insurance, fuel, tax , maintenance this works out less.
With solar panels, it's not that you don't pay anything, it's more that, the supplier pays you.
Octopus charges you 7.5p/kwh off peak but will pay you 15p/kwh for solar export.
On a good sunny day, I export about 20Kwh, hardly enough to fill my EV but enough to pay for 40Kwh charge off peaksmile

KTF

9,865 posts

153 months

Friday 31st May
quotequote all
My work (through Tusker) is offering the Mazda MX-30 at £280 net at the moment. Is that good/bad/indifferent for one of these? I realise its shorter range compared to the other options but its fine for the pottering about that we do and a reasonable lead time.



Edited by KTF on Friday 31st May 09:57

Pistonheadsdicoverer

310 posts

49 months

Friday 31st May
quotequote all
KTF said:
My work (through Tusker) is offering the Mazda MX-30 at £280 net at the moment. Is that good/bad/indifferent for one of these? I realise its shorter range compared to the other options but its fine for the pottering about that we do and a reasonable lead time.



Edited by KTF on Friday 31st May 09:57
mileage and lease period?
24/5000?

KTF

9,865 posts

153 months

Friday 31st May
quotequote all
Pistonheadsdicoverer said:
mileage and lease period?
24/5000?
Oops, missed that bit smile

24/5000 = £362 net
36/5000 = £280 net
48/5000 = £255 net

Pistonheadsdicoverer

310 posts

49 months

Friday 31st May
quotequote all
Well worth the price if you don't care about the range.
I am with Tusker but was asked to pay farrrr too much
Hence why I went private (i.e. with a normal leasing company).

KTF

9,865 posts

153 months

Monday 10th June
quotequote all
Having looked at the MX-30 and thought about it for a bit I passed. Very nice place to sit and premium feel to the interior but the realistic 100(ish) miles range would only become an annoyance (more so in winter when it would reduce).

There as a Nissan garage over the road so went to have a look at a Leaf (£280 a month/48 months on the work scheme) and that was a much better proposition. Better range, much nicer than I expected inside, more space, roomier, etc.

It comes with a hilarious 3 pin granny charger included so might give that a go first (I have solar panels so the excess will easily trickle feed it) before going for the wall box option. Although to be honest the wall box will be much easier as you can set them up to divert excess production to the car automatically and forget about it.

With a bit of man maths and some squinting my fag packet calculations make it.

£50 of fuel every 3 weeks = £866
VED = £190
Insurance = £350
Servicing & MOT = £350
Tyres, wipers, etc. = £150
£1906 total (effectively £158.83 a month).

£280 x 12 is £3360 so an extra £1454 a year (or £121.16 a month) for a 0 miles car with lots of gadgets and no other costs to worry about isnt bad.

Plus I wont have to worry about my wifes terrible habit of resting her foot on the clutch pedal instead of using the clutch rest and wondering how long it will be until it needs replacing...

Edited by KTF on Monday 10th June 15:30

Sheepshanks

33,323 posts

122 months

Monday 10th June
quotequote all
KTF said:
With a bit of man maths and some squinting my fag packet calculations make it.

£50 of fuel every 3 weeks = £866
VED = £190
Insurance = £350
Servicing & MOT = £350
Tyres, wipers, etc. = £150
£1906 total (effectively £158.83 a month).

£280 x 12 is £3360 so an extra £1454 a year (or £121.16 a month) for a 0 miles car with lots of gadgets and no other costs to worry about isnt bad.
You're not allowing anything for depreciation of the current vehicle?

KTF

9,865 posts

153 months

Monday 10th June
quotequote all
Sheepshanks said:
You're not allowing anything for depreciation of the current vehicle?
Thats true. That would make the gap between the cost per month narrower on top.

kevburner

129 posts

189 months

Monday 10th June
quotequote all
hi all , really tempted by the ioniq 5n , through tusker , around the £750 net depending on paint colour , anyone on here ordered 1 through tusker ?

ive never had an ev , still pottering about in an f30 330d ! only do around 3000k a year , and how will it effect my tax for the year i earn approx 112000k

KTF

9,865 posts

153 months

Tuesday 11th June
quotequote all
I ordered mine through tusker yesterday.

There is a load of paperwork that you sign electronically and then it goes to your company for approval.

After approval it goes to a local dealer to be fulfilled.

My leaf is meant to be an in stock car so be interesting to see how long it takes to be delivered.

The VED on my current car is due at the end of the month so hopefully before then.

Then it’s off to WBAC or similar with the current car.