My First Car – By Tony Watt

My first car was a Vauxhall Astra, 1.6ltr engine. It was a black one. I think all footballers had Black cars back then and I followed the trend. It was 2011 I bought it for around £5000 and I took it out on a Finance deal.

I was a youth team player at Celtic at the time and I didn’t drive for the first six months I was there. Getting to Celtic’s Training Centre at Lennoxtown every day wasn’t the easiest location to get to and I was determined to pass my driving test and get my first set of wheels. I took about 40 lessons and passed my test first time. I was well chuffed with myself.

The memory of being handed the keys by the car salesman is still fresh in my mind, even though it was six years ago. I got some buzz from it. It was like scoring a goal. I went everywhere in my car and I thought I was the new Lewis Hamilton. Even simple things such as choosing your own CD’s to play was so good.

The car park at Lennoxtown had top of the range Mercedes, BMW and Range Rover and even one or two more extravagant than that, but, in my eyes, nothing could beat my Astra.

It was also good for taking my mum to the supermarket every time I could. Helping her do the shopping and then loading my car up with the groceries gave me a nice feeling of giving something back to her after everything she and my dad had sacrificed for me.

I’ve had many different cars since my Astra, from Volvo to Kia, and I now have an Audi A3 in Black, of course. Some things never change.

Number of Cars owned: Five

Favourite Car owned: Audi A3

Dream Car: I’m not massively into cars but I suppose a nice flashy Ferrari would be good for six months when I hang up my boots. I’d also like a drive in a Formula One car….but I’ll also need to wait until I’ve retired from football to drive that kind of machine.

Why not have a look for your dream car?  We have thousands of lease cars to choose from here - http://www.intelligentcarleasing.com/deals

From Marketing to Malawi

From Marketing to Malawi

Mairi tells us about her experiences as a volunteer in Malawi and how Celtic FC Foundation and Mary’s Meals are helping towards a better future for the children of our third world.

Describe a typical day for you in Malawi?

We would leave our accommodation at 7.30am every morning to travel to the under six centre. It was our job to paint the educational artwork onto the classroom walls, which Mary’s Meals call ‘talking walls’. Without any budget for basic teaching supplies such as text books, jotters and pencils these ‘talking walls’ are both long lasting and absolutely priceless by helping the children learn from an early age and increase their education levels. We would then return to our accommodation at around S.30pm, have dinner and spend our evenings chatting and playing games.

On our last day we made a two-hour journey to a primary school in Chikala to help distribute back-packs to all the children. These are donated to Mary’s Meals from several countries around the world, with many coming from Scotland. Inside each bag was a selection of items (clothing, toys, stationery, and toiletries) which were specifically tailored to the gender and age of the child. It was amazing to witness the joy that this brought to the children.

What did you find to be the biggest challenge out there?

How little the children have. Most kids have one set of clothes that they wore every day and only some of the children had shoes. Unless they have been given handmade toys, they will have no other possessions.

Was there a particularly memorable moment during your trip?

On our last day at each centre we would take the children toys to play with, skipping ropes, bat and ball and hula hoops. We played with the kids for a while before returning back inside to finish painting. A couple of minutes later some of the children appeared at the door to hand back all of the equipment that we had just given them! We thought it was incredible that they stopped playing with it, even though they were having so much fun because they knew it didn’t belong to them.

What did you feel was the most rewarding moment of the experience?

Watching the kids learn from the talking walls at the end of each project.

What have you taken from the experience now that you are home?

The children I met in Malawi were the happiest I have ever met. They do not need material things to make them happy in the way that we do.

Do you feel like the experience has changed you in any way?

It is easy to get sucked into worrying about ‘first world problems’ but I now need to remind myself that there are people in this world whose one worry each day is how they are going to feed their children.

Why you shouldn’t be afraid of PCP and PCH

icl-blog-image

Here at Intelligent Car Leasing, we like to feature content that is interesting and informative to read. That’s why we wanted to clarify the difference between PCP (Personal Contract Purchase) and PCH (Personal Contract Hire), as writers in the mainstream press are not only confusing terminology but suggesting PCP is leading consumers into unwanted debt.

We’ve had enough of this confusion, and thought we’d explain why these products are effective ways of financing your next car, with little risk and why they shouldn’t be confused – because they are quite different products, even though their acronyms are very similar.

Personal Contract Purchase (PCP) first then.

This is a really useful product, as it gives buyers more alternatives — even if they don’t end up buying the car at the of the purchase agreement. How? Well, because a PCP offers more flexibility.

With a PCP, you pay the deposit up front you’ll then get a guaranteed future value of the car at the end of the term (which can be two, three or four years away).

The set amounts you pay basically cover the depreciation of the car (retail price minus deposit) plus finance costs to its guaranteed future value. To sum up PCP, you don’t pay the full price of the car from the start, unlike HP. As a result, these monthly payments are significantly lower.

Stick to your set amounts you pay over the agreed period, and you’ve got a choice what happens next — and this is where the PCP’s flexibility comes into play. Either choose to pay the final ‘balloon’ amount (the remaining cost of the car) and it’s yours; or take on a new agreement for another car using any excess value as a deposit; or, if the guaranteed future value is below the stated amount (if, for example, used car values have dropped more than predicted), just walk away with nothing owed.

What about the value of the car, I hear you ask? What if the value goes down during the time I have the car? Well, because the value of the car (the asset) is underwritten by the finance company — there’s no risk to you the consumer.

So, it’s the finance company that takes the hit — not you, so you could return the car and buy a cheaper second hand one; or start another PCP agreement. Up to you.

Most important to remember, is that a PCP is not a lease — as this is where all the confusion in the mainstream press has come from — so those monthly payments are not in fact lease payments.

The only downsides to PCP are perhaps its greatest strength – the flexibility – but the different choices at the end of the agreement could be perplexing; plus you have to keep the car in good nick; and you must stick to the agreed the mileage — as if you exceed that, and decide to hand the car back there will be excess mileage to pay..

You also get a lot of consumer protection thrown in — a PCP is covered by the Consumer Credit Act of 1973 and is a regulated product by the Financial Conduct Authority.

So what about Personal Contract Hire (PCH)?

What to do if you don’t want to buy a car, but instead just want to use it, then give it back at the end of a set period (subject to certain terms and conditions)? Then PCH could be the type of long-term rental that will work best for you.

How I hear you ask? Well, a Personal Contract Hire (PCH) agreement, basically means you lease the car for an agreed period of time and mileage, by making fixed monthly payments that are outlined before any paperwork is signed. You usually pay between three to six months’ rentals in advance when you start the lease. Then, at the end of the contract, the car is returned, then you can take out a new contract on a new vehicle, should you wish — there’s no balloon payment.

Downsides are that once you’ve started an agreement, there’s little flexibility to change it — so a change in personal circumstances equalling more mileage, could see you liable for excess mileage payments.

Condition of the car is important too like the PCP, so you’ll be charged for repairs to items such as kerbed alloy wheels and scratches, although what you are charged for is overseen by the BVRLA.

Once again, there is consumer protection included. Personal Contract Hire is regulated by the Financial Conduct Authority.

Summary

So after all this talk of PCP and PCH, is a straight HP (Hire Purchase) agreement a better option? Not, in our opinion.

You’ll be paying higher monthly payments for HP than PCP or PCH, as you’re paying off the full value from day one. Finally, until the finance is settled, the car is not yours, so you cannot sell it as title to the car does not pass to you until the final payment has been made.

Finally, PCP and PCH gives you the chance to drive newer vehicles on a more regular basis and with this all the benefits that entails, including the latest safety technology, more affordable lower emission models, and all the latest technological advancements, with fewer unexpected maintenance bills and an environmental upside of getting greener cars on the road.

My First Car – By John Hartson

John Hartson - My First Car

John Hartson’s first car, also known as ‘the most comfortable taxi in Luton’…
My first car was a Ford Escort, 1.6ltr engine. I bought it for £400 back in 1992 after I passed my test at the second attempt when I played for Luton Town. I sourced it from a garage in my home town of Swansea and my dad drove it up to Luton for me.

I think he had to make four or five stops en route to let the engine cool down and the black smoke to disappear!

For me, it was just great to be mobile and I loved picking up my team-mates in the morning and taking them into training. I was 17 at the time and I spent a few quid on it doing it up and put some nice, soft seats into the back seat. The lads used to say my car was like a Luton taxi.

Thinking back, it was a light brown shade and wasn’t the most pleasant on the eye, but I couldn’t have cared less.

Your first car is about enjoying the independence and freedom it gives you and it’s about getting your bumps and bruises out of the way as you improve as a driver.

I kept that car for around a year, although I’ve no idea how it managed to stay mobile for that length of time.

Over the years, as I made my way in professional football I was able to treat myself to some nice cars and I’ve been fortunate enough to have had a Porsche Jeep, Porsche Cayane, Range Rover, Bentley and a lovely Audi A8.

But there is always an attachment to your first car and just thinking about that Ford Escort right now evokes some great memories and happy times.

John Hartson Car Facts

Number of cars owned: More than 20

Favourite car owned: Range Rover

Dream Car: Would definitely be the top of the range, four door, Bentley, in black. Think they cost around £250,000.

Why not have a look for your dream car?  We have thousands of lease cars to choose from here - http://www.intelligentcarleasing.com/deals

My First Car By Kenny Dalglish

Kenny Dalglish - My First Car

MY first car was a Fiat 124. I bought from a car showroom on the Great Western Road, near Charing Cross, in Glasgow in 1972. I hadn’t long passed my test by that point. I passed first time, by the way.

I couldn’t wait to get behind the wheel and out on the road. The car was brand new out of the wrapper and I was its first owner. It was a navy blue colour and I was as proud as punch driving around in it. You couldn’t wipe the smile off my face. To me, it was a Rolls Royce.

My dad was very much into his cars and he gave me guidance and advice on that front. He came with me when I bought it. I can’t remember how much I paid for it but it would have been a fortune in my eyes, back then.

To be honest, I wanted a Triumph Vitesse because of the two headlamps on the front, but I couldn’t afford one of them. However, I thought the Fiat 124 looked similar. Truth is it looked nothing like it, but I managed to convince myself that it did.

I’d drive into training every day at Celtic Park and it felt so good to have my own car. Before I was on the road, I’d be getting buses or getting one of the boys to pick me up. So, it was great to have my independence and I really valued that.

I kept the car for a wee while and it never let me down. I think the Russians ended up buying that particular design and it then became a Lada.

Since then I’ve had many cars, from sponsored ones from my days at Celtic, Liverpool and Scotland. But regardless of what they were, I always retained a soft spot for my Fiat 124.

Kenny Dalglish Key Facts

Number of Cars owned: About 25

Favourite Car Owned: Definitely my Fiat 124 – in terms of cars, my first love!

Dream Car: They haven’t made it yet, but one which you don’t need to stop and fill up with diesel fuel, or put air in the tyres or take for a service. So, there’s a challenge to all the manufacturers!

Why not have a look for your dream car?  We have thousands of lease cars to choose from here - http://www.intelligentcarleasing.com/deals

Have You Seen Our New Electric Vehicle Infographic?

At Intelligent Car Leasing, we like to put out content that is actually interesting and fun to read! That’s why we produced a new infographic detailing 10 of the most interesting facts you might not know about electric vehicles.

New EV Facts Infographic Released

EVs are a hot topic at the moment and registrations of electric vehicles are growing year on year. Why not take a look and see how many of our 10 facts you’re aware of…

View Infographic

Interested? Click the button above to view the full infographic and find out all the fun facts!

My First Car by Frank McAvennie

Frank McAvennie First Car Banner

I PASSED my driving test in 1979 and for the first few months I used to borrow my mum’s car to get me from A to B. I also had a motorbike for a short period of time and I always found it a thrill to be on the bike.

But I always wanted my own car and had promised myself that one day I’d be able to buy a Ford Capri. Well, when I signed for St Mirren in 1980-81 I saved up a few quid from my wages and bonuses and paid £2000 to a garage for my dream Capri.

It was a gold coloured one with a tan roof. Not like me to attract attention to myself!

I can remember driving around Glasgow thinking I was the business with my set of wheels. I loved it.

Frank McAvennie Fast Facts

Part of my attraction to a Capri was that I was a big fan of the TV series, The Professionals, and Bodie and Doyle used to speed around London in a Capri catching criminals for CI5. Doyle had a curly brown perm and I had a blonde perm. We’d have made a good partnership!

I suppose I sort of imagined myself as ‘The Third Professional’, only the Glasgow version, although I wasn’t interested in catching any villains when I was out in my car!

My mates all loved my Capri and we had some great times driving around.

I sometimes watch old episodes of The Professionals on ITV4 and the memories come flooding back. I also remember Del Boy getting a shiny green Capri Ghia in Only Fools and Horses. It suited him down to the ground as he ducked and dived his way from deal to deal.

So, in terms of my first car, I was a mixture of Doyle and Del Boy. That’ll do nicely for me.

Why not have a look for your dream car?  We have thousands of lease cars to choose from here - http://www.intelligentcarleasing.com/deals 

2017 Charity Drive For Intelligent Car Leasing!

At Intelligent Car Leasing, we pride ourselves on our many core values and this year one of our charitable aims is to raise more than £10,000.

We have not even been around for 3 years yet but our staff has taken part in countless fundraising activities and that has resulted in almost £9,000 being donated to fantastic causes.

However, we don’t like to rest on previous successes and that’s why we want 2017 to be our best ever year.

We have set our bar at its highest ever point and we aim to succeed.

Our principal charity focus for the next 12 months is the Celtic Football Club Foundation. Celtic FC Foundation strive to honour the charitable principles and heritage of Celtic Football Club and aim to respond to the needs of disadvantaged children, young people and adults in our local communities to improve Health, promote Equality, encourage Learning and tackle Poverty.

To help reach our target and, hopefully crash through it, Intelligent Car Leasing will continue to donate £10 to the Celtic Football Club Foundation for every car leased through the company and we are confident that will raise more than £10,000.

Intelligent Car Leasing is proud to be an official sponsor of Celtic Football Club. For the seasons of 2016/17 and 2017/18, ICL is supplying the club with vehicles for staff as well as sponsoring various aspects of operations and match day events.

We’re confident of delivering the five figure sum and, indeed, we expect to crash through it in the months ahead.

Our staff prides itself on our core values and that’s why we are committed to hitting the back of the net with our charitable goals.

Here’s to 2017 and our £10,000 target…….

What You Need to Know about 2017 Road Tax Changes

As you may have already heard road tax is changing again! It’s definitely not the most exciting of topics, but one which is important to understand. From April 1st onward there will be a universal change in the way VED (vehicle excise duty) on cars is calculated.

What’s changing?

Essentially the change in road tax is down the way that CO2 bands are being calculated. After April 1st fewer cars will come under the £0 band, which isn’t good news for motorists currently enjoying the exemption.

The First Year Rate (referred to as the first licence period) is still based on a graduated table of CO2 emissions, with cars falling into bands, from £0 for cars with zero emissions, all the way up to £2,000 for vehicles with CO2 emissions above 255g/km.

However, after the first year, cars will move into a second licence period known as the Standard Rate. All cars, other than those with zero CO2 emissions, are required to pay a yearly standard rate of £140.

There are some exceptions to this standard rate, more details of which can be found in this downloadable guide by ICL.

See new 2017 VED bands below:

Emissions (g/km CO2) First Year Rate Standard Rate
0 £0 £0*
1-50 £10 £140*
51-75 £25
76-90 £100
91-100 £120
101-110 £140
111-130 £160
131-150 £200
151-170 £500
171-190 £800
191-225 £1,200
226-255 £1,700
Over 255 £2,000

*After the first year, cars with a P11D value over £40,000 pay an annual supplement of £310 for five years.

How might this affect you?

When a vehicle is leased, the VED is included in the monthly payments.

If the vehicle is registered after 1 April 2017, the VED rate used to calculate the monthly payments may change (refer to the table above). The actual registration date depends on the dealership supplying the vehicle, but typically a vehicle is registered on the day it is delivered. If, due to manufacturer issues, a vehicle delivery scheduled for before 1 April 2017 is delayed beyond this date, the monthly payments may change.

January 2017 Car Leasing Special Offers

january car leasing offers

The new year is here and people across the country are going through a period of personal development, change and reflection. You’re going to get that flat stomach you always wanted, run a marathon, build your own house and finally get rid of the old car for something fresh. Well…One of those resolutions is more likely than the others anyway.

Sadly Intelligent Car Leasing can’t help you burn off the mountain of mince pies and sparkling drinks consumed over the festive period. However what we can do is help you get a cracking new car at a very competitive rate.

Below are three car leasing special offers to kick off the start of January! You can also view our full range of specials using dedicated offers section of our site for more deals. If you have any questions, don’t hesitate to lift the phone and speak to one of our dedicated advisors on 0344 3872727.

Offer 1 | Jaguar XF Diesel Saloon Portfolio – £237.99

Key Facts:

  • Transmission: Automatic
  • 0-60mph: 7.7 seconds
  • BHP: 180
  • CO2: 114g/km
  • Wheels: 18″ Alloy
  • Standard Features: 8 inch colour display screen, SD navigation, Electric front seats and wing mirrors, heated front seats.

 

Offer 2 | Nissan Qashqai Diesel Hatchback 1.5 DCi Acenta – £192.99

Key facts:

  • Transmission: Manual
  • 0-60mph: 11.9 seconds
  • BHP: 110
  • CO2: 99g/km
  • Wheels: 17″ Alloy

Offer 3 – Fiat 500 Hatchback 1.2 Lounge – £108.99

Key Facts:

  • Fuel: Petrol
  • Transmission: Manual
  • 0-60mph: 12.9 seconds
  • BHP: 69
  • CO2: 100g/km
  • Wheels: 15″ Alloy
  • Standard Features: 5″ touchscreen with bluetooth and DAB, fixed glass sunroof

We’ve got lots more offers to come in the next few weeks of 2017 so keep an eye out for more fantastic deals on our social media accounts and special offers section.