Just Add Fuel explained plus deals

  • Package deals include servicing, car tax and insurance
  • Simplifies running a car, making monthly budgeting easier
  • All motoring costs covered in single monthly payment except fuel

Major motoring costs like insurance, car tax, and servicing have a nasty habit of creeping up on people.

If you'd rather cut the stress of unknown payouts and bundle everything into one monthly payment, along with the payment of a car, there's always Just Add Fuel.

These kinds of deals simplify paying for a brand new car by throwing all of the motoring costs (except for fuel, funnily enough) into one monthly payment.

Just Add Fuel deals

Peugeot pioneered this type of finance scheme in the UK. Which is why it's often broadly referred to as Peugeot's term of Just Add Fuel.

For the sake of this article, we'll call these types of package deals Just Add Fuel. But Citroen and DS call their schemes Simply Drive, while Volvo refers to it as Care by Volvo.

The best Just Add Fuel deals

These types of package finance deals are generally only available for new cars. Below we've rounded up some of the best around. The prices are very rough because of how variable they are depending on personal circumstances.

Peugeot 308 Active Premium Just Add Fuel deal*

Monthly cost: £358.04 per month (37 payments)
Deposit: £2,500 (£3,100 deposit contribution)
Total amount payable: £22,337.36
Cash price: 
£21,310
Mileage allowance: 
6,000
APR: 
2.1%

Citroen C1 Touch Simply Drive deal*

Monthly cost: £340 per month (37 payments)
Deposit: £164
Total amount payable: £13,219.35
Cash price:
£11,271
Mileage allowance:
6,000
APR:
8.1%

DS 7 Crossback Performance Line Simply Drive deal*

Monthly cost: £593 per month (37 payments)
Deposit: £2,500 (£2,050 deposit contribution)
Total amount payable: £37,597.85
Cash price: 
£32,740
Mileage allowance: 
6,000
APR: 
6.9%

Volvo XC40 Momentum Care by Volvo deal*

Monthly cost: £559 per month (rolling, not including insurance)
Deposit: £0
Mileage allowance: 
6,000

*Deals are correct at time of writing and are subject to change. All prices are for 21-year old drivers and older. Prices change depending on age, mileage limit, and postcode.

How Just Add Fuel schemes work

Peugeot’s Just Add Fuel, along with Citroen and DS’s SimplyDrive scheme includes practically everything you’ll need to pay for when running a new car. Monthly payments cover the following:

> Car finance costs
> Car tax
> Routine servicing
> Insurance
> Roadside assistance

If you're aged 18-20 or have less than two years' no claim discount, Peugeot adds a telematic device. This measures various things like speed and braking force. If you use a telematics box, the insurance can be cancelled after four warnings of poor driving.

Wear-and-tear items such as tyres and windscreen wipers, however, are not included, so you’ll want to make sure you save a little cash to cover any unexpected costs – such as having to buy a new tyre if you pick up a puncture.

The Volvo scheme is a little different. Called Care by Volvo, it bundles the cost of a new Volvo with maintenance and roadside assistance into one monthly fee. Insurance can be added for more money. It's on a rolling contract because this is essentially like leasing - so you'll never own the car at the end of it.

Just add fuel cars

Cars that are available via a Just Add Fuel deal of some description include:

> Peugeot 108
> Peugeot 208
> Peugeot 2008
> Peugeot 308
> Citroen C1
> Citroen C3
> Citroen C3 Aircross
> Citroen C4 Cactus
> Citroen Grand C4 SpaceTourer
> Citroen Berlingo
> DS 3 Crossback
> DS 7 Crossback
> Volvo XC40
> Volvo XC60
> Volvo XC90
> Volvo V60
> Volvo V90
> Volvo S90

Just add fuel deals for new drivers

Bundling all of the motoring costs into one neat package is hugely appealing. Sadly, it's not quite that simple for young or new motorists.As mentioned above, most companies offering Just Add Fuel add a proviso that those aged 18-20, or those with less than two years' no claims discounts need a telematics device installed.

While if you're lucky enough to be under 18, you can't sign a finance agreement anyway.

If you want something powerful, a lot of schemes will only insure you if you're over 25. Some even want you to reach 30. 

What this means for you

If convenience is important to you, a Just Add Fuel-style scheme could be the right one for you. 

But it's still worth comparing how much you’ll pay in total compared with paying for the extras yourself if you’re after the best-value option. For instance, many new cars slot into the free road tax band, with a large proportion of the others costing just £20 or £30 per year to tax. So having car tax included is often not a big cost benefit.

Peugeot 308 SW

Servicing deals are often available on a pay-monthly basis too – even for cash buyers. As a result, you can compare the monthly cost added in a packaged deal – as this is typically shown as an additional monthly cost – with the price of a standalone service plan.

Meanwhile, many manufacturers throw in free insurance or servicing into some of their standard PCP deals – which can be extremely good value, thanks to low interest rates, big discounts and several extras included.

As a result, it’s worth comparing the best PCP deals with top packaged deals to see the difference in total monthly price and make your mind up on which set-up works better for you.

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