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Enter the registration and we'll take it from there.

Business user Company car, BIK and the cash question — 2026/27 rates built in

Simplified illustration: BIK tax on the car vs the allowance after income tax & NI, before personal running costs on the cash route. 2026/27 appropriate percentages (EV 4%). Not financial advice — for your exact position, ask Reg or talk to an accountant.

TRADE INSIGHT

Buying agent Your mechanic mate, in your pocket

Trade Insight

What the trade knows, on your side. Live valuations, real market prices, known faults for the exact car you're viewing.

£2.99 / month
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Market price check is a Trade Insight feature

Market check

£11,490£740 OVER TYPICAL
£9,800 low£10,750 typical£11,900 high

Based on 34 comparable cars listed nationally this week (same engine, trim, ±8k miles). Dealer price includes warranty — worth £300–400, not £740.

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Known-fault checkpoints are a Trade Insight feature

Before you shake hands 1.3 DIG-T — known issues

1
Timing chain rattle, cold startListen the moment it fires from cold. Tensioner wear is the known weak point on this engine — a £1,100+ job. Walk away from any rattle.
2
Oil change history — every service, no gapsThis engine punishes stretched oil intervals. Stamp book or digital record for every year, or price accordingly.
3
Clutch judder in 1st/2nd (manual)Common complaint. Test a hill start — any shudder is a negotiation point, not a walk-away.
4
AEB / radar warning lightsFront sensor faults are widely reported. Check the dash on startup and ask if the AEB light has ever been on.
5
Your line to the salesman"It's £700 over the going rate and the service book has a gap at year 3 — where can you get to?" For live backup during the haggle, or a drafted offer email — open Ask.
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Part exchange coaching is a Trade Insight feature

Part exchange Get every pound it's worth

1
Price it before they doGet instant offers from Motorway, WeBuyAnyCar and carwow first — that's your floor, in writing, before a dealer says a number.
2
Negotiate cost-to-change, not the PX figureDealers inflate one number to shrink the other. The only figure that matters is what leaves your pocket.
3
Keep the PX backAgree the price of the car you're buying first. Then introduce the trade-in — it can't be used against you if it arrives last.
4
Present it like the trade wouldWashed, hoovered, both keys, service book on the passenger seat. Ten minutes of prep is worth real money.

Know your rights Consumer Rights Act 2015 — after the purchase

1
First 30 days — short-term right to rejectIf the car is faulty, not as described or unfit for purpose, you can reject it for a full refund. Put it in writing immediately; the clock matters.
2
30 days to 6 months — one shot at repairThe dealer gets ONE attempt to repair or replace. If the fault persists, you have the final right to reject (a use deduction can apply).
3
Under 6 months, the burden is theirsThe fault is presumed present at sale unless the dealer proves otherwise. You don't have to prove anything first.
4
On finance? You have extra routesPCP/HP: the finance company is jointly on the hook — complain to them. Card deposits over £100: Section 75 applies.
5
Escalate in orderWritten complaint → dealer's final response (8 weeks max) → The Motor Ombudsman (free) or Financial Ombudsman if finance is involved → small claims court under £10k.

Reg Thirty years in the trade, in your pocket · 10 free questions a month, unlimited with Trade Insight

Alright — I'm Reg. Thirty years in the trade, both sides of the desk, and now I'm in your corner. A car you're eyeing up, a finance letter that reads like a trap, MOT nerves, a dealer messing you about after the sale — bring it here. I'll coach the haggle too: live lines while you're stood on the forecourt, or a written offer ready to send. What's going on?