AndyRKett said:

VRI protection a fancy name for what is otherwise known as GAP insurance, which you can buy anywhere cheaper and you won't end up Having to pay finance interest on the gap insurance, that is assuming you really want it, it covers the difference in car value and finance outstanding, what that basically means that from the moment you buy the car you will owe a great deal more than the car is worth, if you crash the car there will be a shortfall in the value of the car that the insurance company will pay out and the amount you will still owe in finance. The longer you own the car the smaller the gap becomes as most loans are front loaded, meaning the first few months are spent only paying off the interest, as you pay it off the finance goes down and so does the car's value till eventually what you owe is far less than what the car is worth, at which point the gap insurance isn't worth the paper it's written on as it will never have to pay out.

Example you owe £9300 on day one the car is worth £8500 you crash and the gap insurance will pay out the £800 difference.

2 years down the road you only owe £2000 as an example but the car is still worth £5500 when you have an accident the gap insurance will not need to pay anything.

Oh and if the accident is someone else's fault you are intitled to claim for all your losses so you can claim for the difference in your finance and car value so

Gap insurance is only useful if you plan to cause an accident yourself in the first months/couple of years of ownership.

When you say including road tax I presume you mean for the first year as I can't imagine they will tax your car for you for the next 3 years, an I wouldn't be buying a car like this without it being taxed? But remember again you are paying interest/finance on a tax disc.

If its an interest free deal then you usually have some liability after the 3 year period which they will then use to screw you over. Either hand the car back pay them £3-4k or continue the repayments at which point they lump on the interest for the entire 3 years.

Always be wary of buying a car on finance, I know it is the only way most people can buy a newish car but you have to have your wits about you to make sure you get the best deal.
Push for free road tax a tank of fuel and some lovely car mats and see how you get on you might get one or two of the three, don't bother with VRI unless it's something you really think you need in which case look else where for a cheaper gap insurance deal after you,ve bought it.

Finally check out that warrantee and see what it does and doesn't cover, because that's where you really stand a chance of loosing out especially once the manufactures warrantee runs out.

Looks like a nice little car though

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