How much does your car cost you per year (not including initial cost or petrol)?

(41 Posts)
Belladonna666 Sat 26-Jan-13 11:45:01

Can I ask how much your car costs your household per year (per car), not including the cost of the car itself (bought outright or rented) or petrol but costs like:

Mot, road tax, servicing, insurance, breakdown cover?

Thank you.

TheMightyLois Sat 26-Jan-13 11:47:40

About £800 I reckon, all included.

Tax about 130
Insurance about 280
MOT/service about 200
random minor repairs about 200
Breakdown cover 70

eminemmerdale Sat 26-Jan-13 11:49:55

ABout £500 I guess <old but lovely Micra smile )

YorkshireDeb Sat 26-Jan-13 11:50:30

I assume this is to help you decide if you can afford a car? It varies hugely depending on the make & model you get. X

Nancy66 Sat 26-Jan-13 11:50:40

My car is 11 years old and usually needs some tweak or other at MOT or service. Plus I have on street parking in London which makes the insurance sky high. I also have to cough up for resident's parking.

so we're talking about £ 1700

ivykaty44 Sat 26-Jan-13 11:52:53

tax = £220
insurance = £350
MOT = £50
service = £150

Euphemia Sat 26-Jan-13 11:54:02

Mot: under three years old so doesn't need one
road tax: £35
servicing: £300
insurance: £300
breakdown cover: £150

LIZS Sat 26-Jan-13 11:55:42

Varies according to car . Tax is either £130 or £190, insurance c. £400 (parked off road), mot £50, servicing/repairs anything from £100-1000+

Lesbeadiva Sat 26-Jan-13 11:56:59

Service £200 (car is only 2 years old)
Insurance £319
Tax £120

ivykaty44 Sat 26-Jan-13 13:21:27

op you might want to look at this

it explains abut car grouping for insurance

Tax = £270
Insurance = £300
MOT= £50
Service = £250
Tires = £400
Breakdown = £150 (me & DH on 1 policy)

MisForMumNotMaid Sat 26-Jan-13 13:54:45

Tax £30, insurance £180, mot £50, service £150, tyres £60. Hyundai I10

It's under warranty and fairly new, just three years old, so no parts/ labour but depreciation is probably £1000/ yr

Vauxhall Zafira tax £170ish, mot £50 but it always costs £500 with bits, service £200but it always needs stuff as she's getting old so again £500, tyres £100, insurance £200.

Breakdown insurance is just under £30 for both.

KobayashiMaru Sat 26-Jan-13 14:01:37


WMittens Sat 26-Jan-13 14:56:07

Car 1:
Tax: £430ish
Insurance: £1500
Tyres: don't know yet, probably about £600
Servicing/consumables: don't know yet
Breakdown: £90ish

Car 2:
£700ish BIK tax

WMittens Sat 26-Jan-13 14:57:42

tyres £60

It fills me with fear that there are cars out there with such poor quality tyres.

(Unless you've adjusted it for annual mileage, in which case ignore this.)

MisForMumNotMaid Sat 26-Jan-13 15:49:20

Tyres £60 is per small car tyre and with very low mileage i have only changed one in four years, yes the others are all road worthy. So my £60 is £240 a set over four years IYSWIM.

Fakebook Sat 26-Jan-13 15:54:02

I am jealous of all of all your cheap insurances!

Insurance: £890

Car tax: ~£140

MOT: £50

Servicing (including tyres): ~£250

Breakdown cover: free (for now)

MisForMumNotMaid Sat 26-Jan-13 16:06:28

I'm boringly middle aged, low mileage, not a valuable/ desirable car, stored off road. That makes insurance cheaper!

MOT - free
Road Tax - £30
Service - £200-ish
Breakdown Cover - free
Insurance - £380-ish

That's a 2008 Ford Fusion (diesel)

teacherandguideleader Sat 26-Jan-13 16:16:52

Lease = approx £2K
Insurance = £180
Tax = £20
Service = £200

Sometimes I hate the thought of paying so much on the lease, but I do high mileage so it works out best for me. Also, I feel better about it when I hear friends having to pay out £500 on repairs every few months when something else has gone wrong - mine is under warranty.

WMittens Sat 26-Jan-13 16:51:47


"MOT - free"

How do you manage that?

ivykaty44 Sat 26-Jan-13 17:29:40

fakebook - what band car are you driving?

Fakebook Sat 26-Jan-13 18:48:54

Ivy, tax band F. It's actually £135 a year, but about £74 for 6 months.

lljkk Sat 26-Jan-13 19:09:55

(I have a background in cost benefit analysis so you will regret asking):

Depends which vehicle...

Big old diesel car: £600 to park on the drive ready to go or be rescued, 43p/mile to move from A to B.

Small newer petrol car: £210 to park on drive ready to go and get rescued away from home, 13p/mile in petrol and probably (not enough data yet) 25p/mile to move from A to B.

Park on drive costs = insurance + MOT + VED + emergency rescue.
Probably extra 20-40p/mile in depreciation on both vehicles.

lljkk Sat 26-Jan-13 19:10:51

ps: we are both middle aged, lucky for us wrt insurance. Teenager not old enough to drive yet, thank goodness.

lunchbox Sat 26-Jan-13 19:20:42

Tax £30
Servicing £200
Mot - under 3 years old so hasn't had one yet
Insurance - about £400
Repayments on loan to buy car - £2500

zumbaholic Sat 26-Jan-13 19:31:03

MOT -£50
Road Tax - £240
Service - £200
Breakdown Cover - £93
Insurance - £456

Not had to do much to it since Ive had it although last year it cost me a whopping £600 what with 4 new tyres,alternator and screen wash pumphmm

Peugot 107, 6 years old
Tax £20
MOT £50
Service £75 (£50/£100 every other year)
Tyres £70 (tyres last 3 years or so)
Repairs £100 (clutch and water pump but this is the average per year cost)
Insurance £324
Breakdown cover £18

Ilovemydogandmydoglovesme Sat 26-Jan-13 20:00:32

Mot - £50
Service - £200
Tax - £270
Insurance - £260
Cam belt every four years - £250ish at local garage, £400 at dealer
New tyres every two or three years - £250
It's a VW Passat estate 1.8T so drinks petrol, about £80 a month and I only do about 500 miles a month.

Meglet Sat 26-Jan-13 20:08:14

I added up the cost of MOT, servicing, Tax, breakdown and insurance and added a couple of hundred on for repairs and ended up with about £1500 a year. I put away £130 a month in the car account.

My insurance never goes down, I've got 10yr no claims, no points and still pay £360 on a low mileage, sensible car <<sigh>>.

We'd be stuffed without it though so it's worth sucking up the cost. I don't use it that much though so probably only spend £60 a month on petrol. It gives us days out, errands outside of town, holidays and we can visit family.

I can't afford a new one (I won't want to get in debt for it) so I'm looking after this one for the time being.

Darksideofthe80s Sat 26-Jan-13 21:13:01

Tax - £400 (ish)
Mot - £45
Insurance £400 (ish)
AA - £180 (but they do pay the 1st £500 of garage bills if can't be fixed x 6 per year)
Tyres - budget £75 each, proper jobs £130 each
Service - £ 300

wmittens it was a deal we got years ago when we bought previous car and it was then part of the part exchange deal when we got this one. free mot for as long as you own the car

Bananapickle Sat 26-Jan-13 21:26:04

We spend about £1200 per year but that includes putting money aside in case something big goes wrong and doesn't include breakdown cover because that comes with our bank account.
We drive an 08 plate Ford S-Max.

Tax: £280
Insurance: £700
RAC £100 ish
Repairs £100/150

My own little cosy space= priceless... grin

ivykaty44 Sat 26-Jan-13 21:51:31

fakebook - the insurance group that you are paying 890 quid for? confused which insurance band are you?

thenightsky Sat 26-Jan-13 21:57:00

I put aside £400 a month to run 2 cars and have enough in the pot now to pay for a major engine rebuild at any given moment. I don't bother paying out for useless warranties that won't pay out when push comes to shove.

teza267 Sat 26-Jan-13 22:20:41

Oh, I'm so jealous of everyones cheap/ish insurance.
Tax - £240
MOT - £45
Insurance - £1200
On street parking permit- £156
New tyres (every 2 years) - £320
New winter tyres (every 3 years) - £400

We used to pay CC annually too which was about £200 but not anymore (moved out of CC zone).

Im really fed up with insurance going up all the time. We drive 11 years old VW passat estate, I have never had an accident in my life, 15+ years of no claim bonus....still got me nowhere when it comes to cheap car insurance sad

YesIamYourSisterInLaw Sat 26-Jan-13 22:25:43

Tax 130
Mot free
Insurance 600
Service 140
Tyres 120
Cost for tyres and service is split as it only needs doing every 2 years
It shocks me that it's still nearly a thousand pounds a year and that's not even including the 200 pm I pay on finance and the money i spend on petrol.

YesIamYourSisterInLaw Sat 26-Jan-13 22:28:26

Wow If I didn't need my car to get ds I would seriously consider trading it in. Iv just worked out it nearly 5000 a year compared to about 800 for a bus pass

PicaK Sat 26-Jan-13 23:24:52

550 Insurance
120 Tax
50 Winter tyres on
50 Winter tyres off
40 MOT
99 Service

We put 125 aside every month - this seems to work out for extra stuff every few years (In 2013 we need a new battery and 2 new tyres).

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