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.

OK, thanks!

I'm laid up right now so can't check - I remember the door inlays having Monte Carlo on them but can't remember about the mats. No idea about the vest.

The digital speedo can only be changed by the dealer - apparently they have to set it to Australian for some reason.

If you got the Monte Carlo, are the mats branded with a Monte Carlo logo? Mine is just plain with some red stitching on it. Also did it come with the hi-vis vest? I can see where it goes under the driver's seat but the vest is missing?

Any idea how I can get the digital speedo to read in MPH? I've found the setting for units but can't see anywhere to change the speedo.

Congratulations.... I have cancelled my order as they said they can deliver in April. Cant wait that long... Enjoy your new drive!

Any news on your order now? Mine is getting delivered tomorrow. Hooray. Days after the replacement has been shown:

http:/autosblog.com/2017-skoda-yeti-spied-undisguised-exterior

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.

Did you get it on the 13th? Was it worth the wait.

Did you or anyone else find that the insurance was higher because it was a leased vehicle not registered in your name?

Sounds like Skoda are in a mess.

That's really terrible for a main dealer and they say Skoda dealers are amongst the best.

I ordered direct from Skoda dealer and no info on delivery dates yet. They are not even sure if it is built, I ordered in late Sept and they processed it in Sept apparently. They are away trying to find out what is happening with my order, fingers crossed that they dont just cancel the order.

Where did you order it from? I ordered off this leasing company and even they knew what built down it was planned for. Mine was built in week 2 and is now due to be delivered on the 1st March. 1 day short of a full 6 month wait time.

Still waiting on mine, phoned the dealer and they cant get any info on the order. Apparently there is no information and I have been told that either the car is built and they havent updated the system or not built at all.... Not sure what to do, kicked up a fuss about it and have complained to Skoda as well. Lets see what they come back with...

Yeah, I understand how you feel. I know we both expected ours before Xmas.

Not too bothered about number plates, I just want to get the car as soon as possible. Said mid Feb for 66 or early March for 17 plate. Hopefully yours won't be much longer.

Not too bothered about number plates, I just want to get the car as soon as possible. Said mid Feb for 66 or early March for 17 plate. Hopefully yours won't be much longer.

Congrats! Last month I was told the earliest I could get mine was mid-February, so I told them to wait until 1st March so I'll get it as a 17 plate. However they still can't confirm it'll actually arrive on the 1st, even though I've completed the final documents and signed the contract last week and the car arrived at the local dealer on the 2nd Feb.

Will never lease from these again and will advise others not too either.

Finally got my delivery date: 13th February. It's been a long wait!

It is a lovely car. Really nice to drive. You can barely hear the engine at tickover and the gearchange is so smooth that you have to concentrate to notice it. I am very happy with it as a runabout.

Looking at my emails, it was the first week of September that I requested the car so 3 and a half months which isn't quick.

Congrats, are you happy with it?

So you ordered it from fleetprices at the beginning of September? Mine is still down for 2017 :disappointed:

I got my car today.

Surely they are reneging on their side of the deal so the fees should be refundable. This is a material difference in what has been offered to you, prior to your ordering. If I were you, I would kick up a stink. Although you might be left with as long a wait for another new car. And this is a good price.

At least your getting yours before mine still, as is everyone else. I think what has happened for mine, is that the supplier dealer has given my original order to someone whose wanted to buy one outright rather then lease it. There's much more money in it for the dealer and salesman. Then they have placed a new order for my lease, hence a delivery date of 4 months from when I was told of the delay.

This shouldn't be allowed but what can I do about it other then cancel the order and lose the fees already paid?

Ordered mine direct with Skoda end of Sept, was told Mid December delivery, got a call today to says its Mid January as they will be running a special order through in December to meet demand as this vehicle is now no longer available to order in the uk

original buid date quoted was 5 December (I leased via CHL Contracts). Chased them yesterday, and they got told by dealership that they order through that is now 2 Jan.

Early Dec is your original or new build date? Mine is Mid-February build date, ordered 2nd Sept.

ordered Sept 9th, build date now 4 weeks later than planned early Dec. No doubt will be at least Feb before it turns up.

As soon as I pick it up, I will post about it on here. To be honest, I would be quite annoyed if it came in 2017 because when it comes time for renewal, car companies won't be trying to shift old stock by year end and so the deals won't be as good.

If you can let me know if you get it in December it'll be much appreciated. Thanks again.

Someone called Claire.

Thanks for your reply. That's quite irritating if I have to wait until Feb'17. Was it Katherine you spoke to?

After reading your post, I phoned them and they reassured me that it is still on for mid-December delivery.

I wonder if it is because I ordered some extras, and the car is being built to my specification so it is only for me, whereas one to the normal spec can be sent to anyone. Although I shouldn't imagine they have started yet.

I ordered mine on the 3rd Sept, (so I think before you?) and have been told the end of February now. You might to give them a call if you want an updated delivery date.

I've enquired about cancelling the order but they say there's a £360 cancellation fee. Which would mean along with the processing fee that I would pay £600 to get absolutely nothing.

I got an email a while ago saying mid December. I had previously been told late November. It isn't a major hassle for me to be without a car, although I am aware that if it is pushed in to early next year, when it comes time to renew, there may be fewer good deals about as distributors aren't scrambling to get their sales numbers up by the end of the year.

I got an Aygo (with touchscreen upgrade) from drivethedeal on PCP direct from Toyota. £0 deposit, £154 a month for 35 months. Due here next week.

Have you been given a delivery date for it yet?

It says there's a £300 cancellation fee and also it doesn't mention if I can get my £240 processing fee back or not. :disappointed:

If you have ordered it then you might have signed some sort of contract?
Is there an escape clause for you to be able to get out of the deal free of charge?

I ordered one when this was posted and was given a Mid-December date.

They now say it's going to come at the end of February. That'll be 5 months in all. They have already stopped selling the non-Outdoor version, which this deal is for :disappointed:

Weirdly, since I posted earlier in the thread my mpg on my daily commute has improved by >10% for no apparent reason. I have no explanation for it - identical route, same fuel, same times of day but now I'm averaging about an extra 6-7 mpg per journey.

The only thing I can put it down to is the ECU doing a bit of learning or me learning how to get the best out of the car.

Happy days.

Yes, sounds about right. I ordered mine when this deal first came out and the delivery is down as mid-December. Placing an order now will include the Xmas break and orders have increased this last month, so Feb is the likely delivery time.

Fleetprices can't get me one until Feb/Mar 2017. I need it in November. Any other deals out there? I need any auto, any size (other than Smart/Fiat 500), under £150 with 3 months upfront. Thanks.

Thanks Devro, much appreciated. I am going for a test drive this weekend and will decide whether to go for it or not...

CHL Contracts

http://www.chlcontracts.co.uk

08444 150 930.

I have searched a few companies but havent found any doing it at the same price as fleetprices with metallic paint included. Can you give me details of what other companies you found doing this deal? Thanks

If you look round the other leading websites doing the same offer, it's all included. There is no point in paying for any extras because they are charged at full price but you'll only get two years' use out of them. You're just making the car more saleable for Skoda in two years' time. They'll maybe even be able to recoup some of your money for themselves.

Metallic paint is extra isnt it close to £400?

We've just gone for it. We went and sat in one, but didn't drive it. Metallic paint is available as part of this deal although there are very few metallic colours on the Monte Carlo; metallic white, silver and cloud grey.

Buying/leasing a new car doesn't always have to have a point. Some people just like to have a new car, and as it's their money, it's their choice.

I am thinking of getting one also, have you test driven one before applying or just went for it? Did you manage to get anything extra for the price like metallic paint etc? I am thinking of contacting local skoda dealer to see if they can match it....

Just this current lease application

Thanks, have you dealt with them before?

Try 07814 026 709

It is the business mobile of Katherine who works there.

Has anyone had issues contacting them over the phone? I have been trying for the past 15 minutes and I get no answer?

That depends a lot on how long you're planning to keep the car. Leasing's an expensive option if you're able to buy outright without loans and plan to keep the car a while. :wink:

Yes DSG gearboxes are fully automatic. Same gear box used in audis, seats and VWs. They are good, but after a some useage the "mechatronic unit" (electro-mechanical part) can fail (£2000 repair cost if outside of warranty), hence why its better to lease than to buy one!

I'm not familiar with a DSG gearbox - Do these change gear 'automatically' or does the driver have to manually do something - I ask as my wife and I both have automatic licences and so we wouldn't be able to drive a 'manual' shift car.

​the car is for my parents so they don't need all the toys, just wanted the cheapest possible rental. I didn't take the maintenance contract - it was £39 upfront and £13 a month. I figure the car may need 1 service over 2 years and certainly shouldn't need tyres or wipers etc

Mine has rear parking sensors as standard. DAB only cost me £2pm extra. I wish I'd specified smartgate now... :smirk:

I've just seen this - a weird decision imo... I would stick to the white in that case. Just my personal preference though.

Black roof became an option at the beginning of August.

Fleetprices have it as an extra cost item. I am going to see them this weekend, and if I like it in the flesh I will be buying one. The only options I am considering are the smartgate and the DAB radio. Maybe parking sensors.

​I thought the Monte Carlo trim had the black roof as standard?

Ordered, Thanks OP - it's a cracking deal for a £20k car.
Ordered from CHL with Metallic paint 8k pa (4.2p excess mileage) £154pm "all in" over 2 years.
For those trying to chose a colour, watch out as the Black roof is no longer included and I don't think it is even a cost option.

​yeah we are going with the white. with regard to servicing, vw offer 2 regimes - fixed interval (for low mileage drivers done every 12 months) or long life for higher mileage drivers that is triggered by sensors in the engine / oil. this let's the car decide when it needs servicing and can be as much as 2 years / 24000 miles apart.

In the flesh (metal?) both colours are good but I think the white looks better than the red. IMO the red is probably the worst colour on a normal Yeti (there just seems to be too much of it if you know what I mean) but the black roof on the Monte Carlo breaks it up and drastically improves it.

What do you mean about setting it to long life servicing?

​Mine and my brothers kids so I've twisted his arm into putting in. I have spoken to Sav at fleet prices today. She was really helpful. You can have a choice of red or white in the quote above. metallic or other colours are more. Servicing is not included however it can be set to long life service like the vw / Audi so it should only need 1 over the 2 years. Possibly even none depending on how you drive / how many miles you do.
I'm calling back tomorrow to fill the finance forms and will hopefully have a new Skoda before xmas

That would be good, the agent for Fleetprices said the deal has been very popular so I expect there will be a lot of Yetis to make before mine gets done. Still a new car for Christmas....

I meant road tax not insurance. Most of the deals I have seen, road tax is included in the price ..

Anyone heard or know of any problems with the DSG model for the Yeti?

Mine arrived a month before I was told it would (end of July instead of end of August). Not saying that would definitely happen though...

Just called, delivery is in December.

I have very bad credit score and if my wife bought this lease for me with her name. Does insurance costs me more?

Really depends if you want free metalic paint or not...I'm tempted because of this as I'll only lose 1.5% interest on the deposit anyway...

Huge



If you're happy with an auto then I would - I went for the same car in a slightly more expensive deal a few months back and don't regret it for a moment.

If you take out this deal and have to cancel six months down the line, what is the exit cost? I would assume its one months rental but can someone who is/has leased confirm?

I've used their online quote, added some optional extras. Lets see what happens next.

Has anyone taken this deal? I'm considering calling them tomorrow.

Agree with poster above, you got done by your insurance provider.

I had the same with Direct Line, docs arrived with myself as registered keeper and owner. Gave them a call to correct and they wanted to charge me an extra £23 as a result. A brief reply from myself saying that I won't pay that and the advisor was actually able to not only wave the charge but gave me a £53 reduction on the cost of the original policy.

You got ripped off by your insurance company then. Most insurer won't charge any extra and don't mind that you are not on the V5 or the registered keeper etc., as long as the lease is longer than 12mths. I'm with Tesco and I paid no extra premium so suggest you tell your insurance company to shove it come renewal time:)

Good point I didnt know that ! Thanks

If it's the same chap, I have seen him on the Skoda forums, I think he was was using a TDI 170 Yeti at one point and doing really well.

Lots of info here

I believe there are some videos in the thread of the TDI 170 overtaking a lot of other cars.

I had the TDI170 SE+ before swapping it for a lease Alltrack and it was a cracking car.

Ask your Škoda dealer if they can match this deal. VW often do it and not charge the admin fee.

I said I was the keeper but not the owner, my insurance company (Swinton) said they still put me down as the owner as the lease is >12 months so there was no extra cost for me.

​I should have mentioned the BMW I'm replacing is an estate too.

The worst part of leasing is that you have to wait for few month to get the car !! Does anyone know a company with cars In Stock ?!

Good enough deal but I did see one in black and it looked like a hearse..

Agree. On a lease deal try to keep the initial deposit as low as possible. In this case you'd be crazy to take this over OP's deal.

Hi all, I have no idea re leasing but my wife skipped through the front door today and announced 'My WHOLE office lease! Sort it for me!' Can someone give me some pointers? This is what she wants http://www.fleetprices.co.uk/search?mode=PCH&vt=car&catid=0&makeid=6425&rangeid=886&minprice=0&maxprice=0&transmission=A&fueltype=D&instock=0&seats=0&doors=0

It's not more risk, it's more effort in the event of a claim. They'd have to liase between the keeper, the owner and the other party, which takes more man hours.

Very ugly car...cold from me

good post about how insurance premiums are calculated.

but one thing I seldom see mentioned in lease deals is the fact if the driver "is not the registered owner of the vehicle", but is the "registered keeper" of the vehicle, adds a significant premium to the quote.

I have a yeti on lease from June this year. while going through a quote on the phone I got offered a price, which was acceptable. but when going through the confirmation of the details, I realised that they had me as the registered owner, which I pointed out to them was not the case. so the deal was modified to list VW financial services as the owner, which added around £80 to the price I had been previously quoted.

i don't get why that would make a difference in terms of risk for the insurance company, that they would need to add this much on to it. any ideas?

Thanks for all that info - surprisingly really helped lol

Treat them, especially if "the grandchildren" are yours. Not so much if they're a siblings! :wink:

looks like a great deal

8000 does me for the year. 34 mile round trip commute, with occasional cycle commute interspersed.

Whoa calm down there cowboy! I didn't say it was a bad thing, it's what car companies do.

If VW have over-ordered a particular box, they'll find another way to use it. It's not a "Skoda" gearbox. It's probably a GM box if anything.

​boring. I struggle to cycle 8000 miles a year, and I love cycling

You're either really quite funny, or extremely dense. I can't work out which but I hope it's the former :smiley:

That really doesn't relate to my comment. Insurance is all about statistics, and statistically there will be far, far fewer crashes in estate vehicles versus hatchbacks, especially due to dangerous, boy racer-type driving.

8000 miles works out 21m/day. If you do this kind of mileage you better off with a bicycle. What's the point of having a brand new car if you can barely use it.

That only happens if you fit an Audi TT RS Engine in to your Skoda Yeti which was why the Ariel Atom couldn't catch up. That Skoda Yeti has over 500BHP available.

I think this is the same one >

https://www.youtube.com/watch?v=n-XnIeLriow

Here you go >

https://www.youtube.com/watch?v=qchG_ED9pAk

"It has the TT-RS wheel from the car I took the engine out of. The RS wheel is better for track days than the stock Yeti one. If you look, the dash is all Yeti."

Probably something to do with being an estate too. You never see a "boy racer" driving an estate, and it probably has a far lower crash rate than the hatchback version.

Maybe that's why Skoda's reliability record is better than VW's then, is it? I think you need to wise up. :wink:

sorry to go off topic, can someone please advice if the insurance is lower for new cars?

One of my friends used to be an insurance broker - he told me that NCD is basically a marketing gimmick. He said the only time it makes a difference is if you have 0 no claims, as that probably means you've not been recently driving.

I didn't believe him and did the same quote on confused.com with 1 year and 5 years, made sod all difference to the price.

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?

been looking for a cheap lease with automatic gearbox for my folks. this fits the bill perfectly! I wonder if the rental would decrease if the mileage was dropped to 5k? They spend a fortune on an ageing Chrysler neon when they could be driving in comfort in this and keeping the grandchildren far safer!

Good explanation. All credit for taking the time to post

Would this one not be cheaper? http://www.fleetprices.co.uk/personal-lease-cars/skoda/yeti-estate/yeti-estate-12-tsi-110-monte-carlo-5dr-dsg-102899508

I am waiting for deals of their new Kodiaq.

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.

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.

seriously considering a new car on lease, but probably need more research on the insurance part, never thought it could be free?

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

Also, my previous car was a Yeti and would definitely recommend one, brilliant car.​

Nice find OP.
I am only three months into a two year lease but would snap this up if the time was right.
Currently driving a DSG, not sure I would want to go back to a manual now.

Wow that's a super deal. 150 a month to drive a brand new jeep-ish car for 2 years.
Wish I could buy but not the right time.

Heat Heat Heat!!!

I have had a yeti for a few months and love it. different model from this though. I have the non dsg 1.4tsi.

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.

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.

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

Great find. Heat.

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

Great price, good find OP.