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PCP (Personal Contract Purchase)
PCP (Personal Contract Purchase) a simple cost effective way to buy your new or nearly new vehicle.
You choose the vehicle, the deposit, how long you want the contract to run for and the mileage you intend to do. You will then receive a quote for fixed cost motoring for the length of the contract. At the end of the contract you have a choice to either buy the vehicle outright for an agreed lump sum (the Guaranteed Minimum Future Value or final balloon payment), or hand the vehicle back to the lender.
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Hire Purchase allows you to take ownership of a vehicle once all payments are made.
This is one of the most popular methods to buy a new vehicle. You pay an initial deposit, then pay off the balance in monthly payments over an agreed period of time, when the payments are complete the vehicle is yours.
One of the main benefits with Hire Purchase is the ability to buy a high value vehicle on monthly payments.
Hire Purchase allows you to tailor your finance package as deposit, length of time and monthly payments are all flexible.
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Personal contract hire is very similar to normal contract hire, but is exclusively for private individuals. This is one of the most common form of leasing.
With a personal contract hire agreement you take control of a vehicle for a contractual period – usually referred to as the ‘lease period’. You will make fixed monthly payments for the duration of the contract – when the contract expires you will simply return the vehicle and take out a new personal contract hire lease. PCH means you never have to worry about resale values of your vehicle.
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Luxury floor mats, Front and rear electric windows, DSTC-Dynamic Stability and Traction Control, Voice control system, Speed sensitive steering, 12.3" Active TFT crystal driver's instrument display, Auto dimming interior mirror...
Insurance groups range from 1 to 50 and dictates the cost of the vehicles insurance. The higher the group, the higher the insurance will be for the vehicle.
BHP rates the engine performance of vehicles and stands for the brake horsepower.
CO2 is the amount of carbon dioxide emitted by the vehicle in grams per kilometre travelled, the lower the CO2 emissions the cleaner the vehicle is for the environment.
The total number of seats in the vehicle.
Number Of Seats
Road Tax is based upon the CO2 emissions of the vehicle and is split into 13 bands from A to M. The higher the letter the greater the cost of tax paid to drive the vehicle on public roads. In addition to the road tax detailed below, any vehicle that had a manufacturers retail price in excess of £40,000 when first sold, attracts a road tax supplement of an additional £320 per year. This is charged until the vehicle is 6 years old.
Ten Second Review
In Sweden, they design SUVs just a little differently. Take this one, Volvo's XC40, tested here in D4 diesel form. It gets its own 'CMA' platform and some very distinct design to set itself apart. The result is an interesting alternative to more mainstream premium-branded compact SUVs like BMW's X1 and the Mercedes GLA. And one you might rather like.
A lot of Swedish rhetoric's being used in marketing this car, but actually it's culturally quite mixed. The distinctive shape is the work of young British stylist Ian Kettle and the car's built at Volvo's Ghent plant in Belgium. Under the skin meanwhile, lie underpinnings jointly developed with the brand's parent company the Geely Auto Corporation of China, who'll use this car's new 'Compact Modular Architecture' platform in a whole range of forthcoming Oriental models. There are Swedish characteristics here too of course - the ones likely buyers will probably want: class-leading standards of safety and the promise of a relaxed comfortable road going demeanour. Plus to suit the mood of the day, there's semi-autonomous driving technology and a chassis developed to take both hybrid and full-electric powertrains. We also get the option of 4WD and some really clever practical interior touches. In short, it all sounds pretty promising - which is why this Volvo received the 2018 European Car of the Year award. Time to put it to the test.
Volvo SUVs aren't generally burdened with customer expectations of super-sharp handling dynamics. But they absolutely must ride with decorum, function with refinement and be relaxing to use. If that defines the minimum requirement here, then I'd say the XC40 slightly exceeds it, without ever really allowing any degree of driving enjoyment to get in the way of its day-to-day duties. Few segment rivals manage to be much different and offhand, I can't think of any of them that ride much better than this car over poor surfaces. Tarmac tears, expansion joints and speed humps are dispatched with the kind of confidence you might more ordinarily expect from a much larger model. All of which means that on the test drive, your first impressions will probably be quite positive. True, the steering doesn't provide much feedback, but it's nicely weighted and pleasingly direct, complementing the fact that sudden changes of direction aren't as unwelcome here as they are in some high-sided affordable SUVs. That's mainly thanks to this car's new-tech 'Compact Modular Architecture' CMA platform, a world removed from the heavy, clunky underpinnings that previous compact Volvo models have had to lug about. I tried the 190hp diesel D4 which has a 2.0-litre Drive-E diesel unit putting out 400Nm of torque which helps with a potential braked towing capacity of 2.1-tonnes. The quoted performance stats are 7.9s and 130mph.
Design and Build
The obvious way to style this car would simply have been to merely shrink the themes established with Volvo's larger SUVs. That's usually what competitors do. But British XC40 designer Ian Kettle wanted this car to be different, which is why we've got this, a concept inspired by the small robots he used to watch in science fiction films. Curvy conformity is replaced by chunky cuteness with a 'transformer-like' vibe. Not everyone will like it - but then if everyone did, it wouldn't be such an interesting piece of design. Inside you get digital dials, a dose of Swedish minimalism and door cards made of a weird felt apparently fashioned from recycled drinks bottles. There are door bins bigger than any you'll have ever seen. And the designers have somehow crammed in the 9-inch portrait-style Sensus infotainment screen that's used in larger Volvo models, framing it with these unusual 'Star Wars'-style vertical vents. Interested yet? In the back, headroom's generous, but we're not so keen on the way that the angled style of the rear C-pillar might create something of a claustrophobic feel for younger folk; if you've children, take them along on the test drive to make sure they'll be happy here. Lift the tailgate and you access a cargo area rated at 460-litres. I liked the optional 'Convenience Pack' which can divide the space laterally to stop your shopping from sliding around. The hinges of the provided divider even stand proud of its top edge, giving you hooks from which you can hang shopping bags. Neat.
Market and Model
If you've looked at the various premium brand rivals targeted by this car, you'll have a pretty good idea of what to expect here when it comes to pricing. The XC40 range sits in the same £30,000 to £40,000 bracket targeted by competitors: in other words about £10,000 above similarly-sized 'Qashqai-class' family hatch-based SUVs from the volume makers. There are usually three main trim levels - 'Momentum', 'R-Design' and 'Inscription'. For this test, we opted for the 2.0-litre diesel unit - in this case in 190hp D4 guise, a variant which is only offered with AWD and an auto gearbox and is only available with the top two spec levels, hence the relatively high D4 asking prices which start from around £35,000. Our test car's sporty 'R-Design' trim incorporated gloss black styling details including a contrasting colour black roof, plus diamond-cut black alloy wheels, part-leather seats and aluminium dash inlays. Top-spec 'Inscription' variants meanwhile, enjoy fill-leather upholstery, an electric tailgate, wood detailing and a crystal glass gearlever. As ever with Volvo, a key focus is safety. An autonomous braking system is standard-fit and this system can specifically detect people and animals. There's also an 'Oncoming Lane Mitigation' set-up that not only stops you from pulling out into the path of an oncoming vehicle but can also steer you away from such an impact. Pilot Assist, Volvo's innovative semi-autonomous drive feature, is an optional extra on every XC40, as is 'Run-off Road Protection and Mitigation'. And Cross Traffic Alert with brake support', which warn you of oncoming vehicles when you're reversing out of a space.
Cost of Ownership
The 190bhp D4 variant we tried manages combined fuel consumption of up to 56.5mpg and CO2 emissions from 133g/km. German rivals improve on that - but not by very much. For reference, in manual 2WD form, a 150hp D3 version of this car can manage up to 58.9mpg and 127g/km of CO2. Of course, ultimate running figures aren't just about fuel figures and CO2 stats. Residual value returns are a major contributor to whole life costs and it's important to note that the XC40 fares extremely well in this regard. Residual value experts Cap Hpi reckon that after three years or 60,000 miles, a typical XC40 model would still be worth 43% of its original purchase price. Insurance groupings should be reasonably competitive by class standards. To give you an idea, a high specified D4 diesel variant like the one we tried attracts a group 30E rating. Maintenance should also be relatively affordable for a car of this kind, with intervals every year or 18,000 miles. Three or five year pre-paid servicing packages are available to help you budget ahead. With the useful 'Volvo On Call App' remote connectivity system, this XC40 can be programmed to autonomously realise when a service is due, then automatically book it for you at a dealership of your choice. Finally, we'll tell you that the warranty is the usual three year, 60,000 mile package.
By Jonathan Crouch
If you’re looking for a new Volvo Xc40 2.0 D4  Inscription 5dr AWD Geartronic Diesel Estate for sale, you’ve come to the right place. At Bristol Street Motors we don’t just have the best Volvo Xc40 2.0 D4  Inscription 5dr AWD Geartronic Diesel Estate deals, we also offer friendly advice and help with all your enquiries to ensure your buying experience is a happy experience.
What are you waiting for? Make an enquiry online using the link above or call one of our friendly sales advisors today.
Key Standard Features*
- sensus connect with high perfromance sound, USB, 8 Speakers/250W
- Solid - Black Stone
- Power operated tailgate
- Keyless Start
- Front and rear headrests
- Solid paint
- Dynamic chassis
- Rear Park assist
- Cruise control
- Child proof door locks
- Leather - Charcoal
- Leather - Blond
- Leather - Amber
- Leather - Oxide red
- Urban grid aluminium inlay
- Drift wood inlays
- 18" 6 spoke diamond cut/light grey alloy wheels
- 18" 6 spoke diamond cut/black alloy wheels
- Tyre sealant kit + 12v compressor
|Front and rear electric windows|
|Rain sensor windscreen wipers|
|DSTC-Dynamic Stability and Traction Control|
|Hill descent control|
|Hill start assist|
|Electronic parking brake with auto hold|
|Vehicle deceleration control with Anti-lock Brake System, Electronic Brake Distribution and Emergency Brake Assist|
|Voice control system|
|Bluetooth hands free telephone kit|
|Volvo on call|
|Speed sensitive steering|
|Front park assist|
|Drive Mode Selector|
|Lane keep assist with driver alert control|
|Oncoming Lane Mitigation|
|9" Touch screen|
|Sensus navigation system|
|12.3" Active TFT crystal driver's instrument display|
|Sensus navigation with European mapping and traffic information|
|9" centre console portrait touch screen|
|Auto dimming interior mirror|
|Body colour door mirrors|
|Auto dimming rear view mirror|
|Electrically adjustable and heated door mirrors|
|Colour coordinated auto folding and heated power door mirrors|
|Steering wheel mounted remote controls|
|DAB Digital radio|
|Exterior Body Features|
|Embossed rear side roof pillar|
|Front tread plates|
|Visible VIN plate|
|Chrome window surround|
|Illuminated side steps|
|High gloss black grille with chrome inserts|
|Dual integrated exhaust pipes with high gloss black surround|
|Matt silver front and rear skid plate|
|Dual exhaust pipes|
|Silver roof rails|
|Ambient lighting in door panels|
|Adaptive brake lights|
|Automatic headlamp levelling|
|Home safe and approach lighting|
|LED front fog lights|
|LED Headlights + Active high beam incorporating daytime running lights|
|Adaptive brake lights with high level LED brake lights|
|2 zone electronic climate control with air quality system|
|2 zone electronic climate control with Clean zone air quality system + pollen filter + cooled glovebox|
|Driver's lower storage shelf|
|Centre console storage box|
|Illuminated front cupholder|
|Perforated Leather Key Integrated Remote|
|12V socket in front tunnel console|
|Centre console cupholders|
|Front door pockets|
|Front tunnel storage net|
|Glovebox bag hook|
|Leather coloured key integrated remote|
|High gloss centre tunnel deco|
|Load protection net|
|Leather faced upholstery|
|Front and rear door pockets|
|Height/reach adjustable steering column|
|Perforated leather gearknob|
|Rear armrest / integral cup holders / storage tray|
|Underfloor stowage compartment|
|A-pillar parking ticket holder|
|Adjustable steering wheel force|
|Bright metal luggage threshold|
|Orrefors Crystal Gear Lever Knob|
|3 spoke leather steering wheel with chrome trim|
|Centre console cupholders and storage|
|Front door pocket and front cupholder illumination|
|Driver's side lower dashboard credit card storage compartment|
|12V socket in front tunnel console and cargo compartment|
|Front tunnel net pocket and integrated waste bin|
|Front/rear reading lights|
|Front footwell illumination|
|Illuminated luggage compartment|
|Rear footwell illumination|
|Multicolour theatre lights|
|Rear reading and courtesy lights|
|Ambient front door and instrumental panel lighting|
|Side impact protection|
|Front seat side impact airbags|
|Run off Road Mitigation|
|Slippery road and hazard light alert|
|First aid kit|
|Fasten seatbelt reminder|
|WHIPS whiplash protection system - front|
|Dual stage Driver/Passenger Airbags|
|Tyre pressure monitoring system|
|Passenger airbag cut-off device|
|Drivers knee airbag|
|Road sign information display|
|Run off Road Protection|
|SIPS (Side Impact Protection System)|
|Seatbelt reminder and pretensioners|
|Power memory driver's seat + door mirror memory|
|Electric memory driver's seat + door mirror memory|
|Height adjustable drivers seat with lumbar support|
|Driver seat height/tilt/lumbar adjust|
|Passenger seat adjustable for lumbar support|
|Isofix attachments on rear seats|
|60/40 split folding rear seat|
|Power driver seat with memory + exterior mirrors memory|
|Locking wheel nuts|
|Key integrated remote control central locking|
|Fuel flap with deadlocking system|
|Anti-theft alarm including immobiliser/volume sensor + level sensor|
|Private locking for tailgate|
|Illuminated driver/passenger vanity mirrors|
|Illuminated vanity mirrors + ticket holder|
|Sensus Connect with Premium Sound by Harman Kardon, Dolby Pro Logic II Surround Sound, Dirac Unsion,13 speakers/600W and subwoofer||£550.00|
|Harman Kardon premium sound system||£550.00|
|sensus connect with high perfromance sound, USB, 8 Speakers/250W||Standard|
|Winter plus pack - XC40||£300.00|
|Convenience Pack - XC40||£450.00|
|Winter Pack - XC40||£500.00|
|Intellisafe Pro Pack - XC40||£1,500.00|
|Xenium Pack - XC40||£1,600.00|
|Intellisafe surround pack - XC40||£600.00|
|Paint - Metallic|
|Metallic - Thunder grey||£575.00|
|Metallic - Glacier Silver||£575.00|
|Metallic - Pebble grey||£575.00|
|Metallic - Denim blue||£575.00|
|Metallic - Onyx black||£575.00|
|Metallic - Maple brown||£575.00|
|Paint - Solid|
|Solid - Black Stone||Standard|
|Power operated tailgate||Standard|
|Front and rear headrests||Standard|
|Power passenger seat||£300.00|
|Electric passenger seat||£300.00|
|Exterior Body Features|
|Power glass tilt and slide panoramic sunroof with sun curtain||£1,000.00|
|Premium metallic paint||£850.00|
|Active four-C chassis + four corner adaptive damper||£750.00|
|Dark tinted glass for rear windows + rear screen + side luggage area window||£350.00|
|Smartphone integration with Apple CarPlay and Android auto + 2 USB||£300.00|
|BLIS (Blind spot information system) with cross traffic alert + rear collision mitigation||£500.00|
|Rear park assist camera||£375.00|
|360 degree surround view parking camera||£700.00|
|Rear Park assist||Standard|
|Wireless/Inductive Mobile Phone Charging||£175.00|
|Auto dimming door mirrors||£175.00|
|Paint - Special|
|Premium metallic - Crystal white||£850.00|
|Power child locks on rear doors||£85.00|
|Child proof door locks||Standard|
|Trim - Leather|
|Leather - Charcoal||Standard|
|Leather - Blond||Standard|
|Leather - Amber||Standard|
|Leather - Oxide red||Standard|
|Urban grid aluminium inlay||Standard|
|Drift wood inlays||Standard|
|Wheels - Alloy|
|20" 5 spoke diamond cut/matt black alloy wheels||£1,300.00|
|19" 5 double spoke diamond cut /matt black alloy wheels||£450.00|
|21" 5 double open spoke diamond cut /matt black alloy wheels||£1,950.00|
|18" 6 spoke diamond cut/light grey alloy wheels||Standard|
|21" 5 triple spoke diamond cut/ matt black alloy wheels||£1,950.00|
|20" 5 spoke diamond cut/black alloy wheels||£1,300.00|
|18" 6 spoke diamond cut/black alloy wheels||Standard|
|19" 5 double spoke diamond cut/black alloy wheels||£450.00|
|Wheels - Spare|
|Tempa spare wheel and jack||£150.00|
|Tyre sealant kit + 12v compressor||Standard|
|0 to 60 mph (secs)|
|0 to 62 mph (secs)||7.9|
|Engine Power - BHP||190|
|Engine Power - KW||140|
|Engine Power - PS|
|Engine Power - RPM||4000|
|Engine Torque - LBS.FT||295|
|Engine Torque - MKG||40.8|
|Engine Torque - NM||400|
|Engine Torque - RPM||1750|
Terms & Conditions: Every effort has been made to ensure the accuracy of the information shown. However, errors do sometimes occur. The specification of each vehicle listed on the Bristol Street Motors website is provided by "CAP". Please note that the Images of each vehicle are range shots, these can include images which do not reflect the precise details of the vehicle you are looking at and are purely used for illustrative purposes. The inclusion of such data does not imply any endorsement of any of its content nor any representation as to its accuracy. We do not charge a fee for introduction to a finance provider; however we may or may not receive a commission.
*The information given about models and their specification and features applies at the time that a vehicle is listed online or when the listing has been updated. Specifications and features do change and the information is given only as a guide. It may contain errors or omissions. The actual specification of a vehicle at the time of purchase may differ from that listed above and any important feature should be clarified as part of your purchase. The information above does not constitute an offer to sell.