It's not only a case of security when it comes to insurance underwriting; I'd say the value of the car and the risk of theft is not the factor which gets top billing when underwriters set premiums. A car valued at £1000 may cause a payout of tens of millions if say the driver causes death or serious lifechanging injuries (e.g. Agnes Collier's payout in 2012 for £23M). Underwriters assess risk using complex, multi-factorial algorithms and significant weight is given to the driver's age and gender, socio-economic status usually reflected by the occupation and residential post code, NCB/ past history of claims, driving history (e.g. points on licence, traffic-related cautions and arrests etc), history of claims for that particular model of car (e.g. coupe's vs saloons vs estates, engine size) etc. etc.

All things being equal, a newer car worth £30K would be seen to be a significantly safer bet on the road than a 15 year old car and the premium for the former could well be in the same range as for the latter; after all, innovations such as automatic braking (e.g. see ex-Google heavyweight Vic Gundotra's video on how his MB's auto braking prevented an accident on YouTube), lane guidance, ABS, EBD do save lives.

Security features in a car could have an effect on premiums in certain post-codes; e.g. if several Range Rovers in your neighbourhood had been stolen in the recent past, the premiums for ALL the poor sods in that post-code would be raised for the next few years; if you own a Range Rover your premium will skyrocket. Could even impact surrounding post-codes. In these circumstances say a tracking device being fitted on to your brand new X6 could result in a significantly lower premium compared to your neighbour with an X6 without tracking, again everything else being equal.

In general however, the full replacement cost of the motor if stolen really plays only a small part in how insurers determine your premium.

Better still, work out the all-in cost per mile - that's going to give you a real comparison to other deals.

Factor in excess mileage charges (often low) and you're on to a winner.

Before service and tyres, this works out at 23p per mile or £150.87 per month. If you do 12k miles, we're talking just 17p per mile, assuming a 7ppm excess mileage charge (£174.20 per month).

Even if servicing and tyres are put in (150 and 100 per annum respectively as an estimate), it's 26p per mile at 8k p/a and 20ppm at 12k p/a.

This is a good deal. Pence per mile is the best *real* metric for measuring a lease deal and comparing to others.

Obviously factoring in upfront deposits is important, but that is often personal preference.

Turned up exactly when they said on the 13th to the minute. Love it to bits, it's everything I'd hoped for. I'm afraid to park it anywhere in case it gets scratched, it's just too shiny. Insurance was £15 more than my beat up old Ford Focus with LV including the first years GAP cover.

Probably what they could salvage from the VW parts bin :P

Fiat tend to do that quite a bit too.

Seems a very good price, odd that they'd put a DSG gearbox in a car that isnt even vaguely sporty - but I think you can also use in the same way as standard automatic?

Great price, good find OP.

Car is a bit marmite, but you can't find fault with less than £400 down and £130 a month for a new car.

Good find OP you'll probably need to put up the total price before people start kicking off and throwing a fit. I think it works out at £3620.79 for the 2 year cost which is a very fair price and works out at just over £150 per month all in. With the warranty, no road tax and cheap insurance that's some pretty cheap motoring.

Great find. Heat.

Or is this a better deal? https://www.centralukvehicleleasing.co.uk/vehicle/choose_your_lease/74883/skoda/yeti/12_tsi_110_monte_carlo_5dr_dsg.html

About £5 cheaper a month, so, yep, better.

About £151pm by my (admittedly dodgy) maths.

I got one of these from a previous deal - great car. Forget the DSG and just use it as a normal auto. Getting just under 40mpg on my stop start commute - haven't done a longer journey yet.

DAB isn't standard but only adds about £2pm. The voice recognition system and Android / Apple car stuff (so your phone satnav appears on the screen) doesn't come as standard. It needs an activation code which you have to pay for but good luck trying to get it from a dealer... people only seem to be able to get it unlocked if they specify it as an option at initial lease / purchase.

Oh, and the pic is of the wrong model.