My First Car – By Jan Vennegoor of Hesselink

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I have to be honest and say I felt I should never have passed my driving test when I sat it in Holland more than 20 years ago. I was a little bot erratic and a little bit too keen to put my foot down on the accelerator. I could feel the assessor’s eyes really on me.

But when we got back to the Driving Centre he told I had passed. To say I was taken aback is an understatement. I really thought he was going to ‘Fail’ me. However, there I was, as an 18-year-old, being given my independence on the roads. I had 21 or 22 lessons and I was good to go.

I was playing for FC Twente Enschede at that time. I spoke to a leasing company with connections to the club and got myself a brand new Citroen AX. It was a beautiful dark green colour, extremely pleasant on the eye.

It had spoiler on the back and I quickly got a music centre system fitted into the boot. It meant I had no room for any shopping bags in the boot but that didn’t bother me. The priority was being able to play my music. At that time I probably would have had House Music and Oasis as my choices. Hey, you are only young once!

I knew I was very lucky to have such a nice car at my age and I treated it well. I suppose it was my pride and joy. Every teenager dreams of having a car and when you get one you don’t want to waste a moment. I was out driving at every opportunity and volunteering to pick up my friends and team-mates, whether it was to go to work or out for a bite to eat.

As time has gone on, my fondness for cars has remained and I’ve been very lucky to have been able to treat myself to some lovely cars down the years.

Sometimes I have had cars given to me for use by the various football clubs I have played for. I had a couple of nice ones when I was at Celtic. Glasgow is a great city and I spent some of the happiest years of my career at Celtic. I still love coming back to visit.

Number of Cars Owned: Between 15 and 18.

Favourite Car Owned: It has to be the Panamera Porsche. I had it during my time playing in Austria and on my return to Holland

Dream Car: That is an easy one for me to answer. It has to be the Bentley Continental GT.

My First Car – By Paul Hartley

Some of the best memories from my life come from my first car, a wee Mini Metro. It was a nice colour of red and I bought it for £400 back in 1994.

I was playing for Hamilton Accies at the time and was 17-years-old. It took me two attempts to pass my driving test but the feeling of when the examiner told me I was good to go was as good as scoring a goal.

I didn’t waste any time getting down the garage and buying a car. The Metro was only a 1litre engine but I was whizzing around the streets of Hamilton, delighted at having my own set of wheels.

The car had a cassette deck in it and it was brilliant being able to select your own music and back then I was listening to Beautiful South. I was really into their music and before that when they first came onto the scene as The Housemartins.

It was also good having a car because it meant I could take my mum to the supermarket and help her get the weekly shop in for the family. It’s always been important to me to help my mum whenever possible because she was great with me as a young boy. And still is to this day.

Thankfully, though, because I lived just two minutes away from the Accies ground, I didn’t need to pick up any of the boys and take them to training. Two or three of the lads would be going here, there and everywhere and it would add an hour onto their day. The lads knew there was no point in asking me but I always helped out when I was needed. It’s important to always be a team player.

Number of cars owned: 18 – 20

Favourite Car Owned: Can’t split the BMW X5 and the Audi Q7

Dream Car: Would have to be the Bentley Jeep. But that definitely would be in my wildest dreams. If you ever see me driving one of them then you’ll know I’ve scooped the lottery!

Is Britain Ready For Driverless Cars? New Research Says No.

If you follow any sort of motoring or lifestyle columns then it’s very hard to not read about driverless cars. It wasn’t too long ago that the idea of a car that drives itself was contained to the realm of science fiction. Now there are road-legal cars that don’t need human control in order to get from A to B being tested in live traffic all over the world.

Therefore it’s no wonder that this new and exciting technology is getting a lot of press coverage. However, just because people are interested in the development of autonomous vehicles, it doesn’t mean they’d actually adopt them in practice.

Having looked around Intelligent Car Leasing found few studies looking into the likely adoption/acceptance rates of self-driving vehicles, and none looking only at the UK market. So we decided to conduct our own study to see what Britain’s attitude towards driverless cars really is.

The results show a real lack of confidence and trust in self-driving vehicles, you can see a full write up of the study here with responses, analysis and the implications for car manufacturers - http://www.intelligentcarleasing.com/autonomous-vehicles

It’s likely a long way away before we see a noticeable amount of autonomous vehicles on the road, if ever! So have a read of the results, muse things over and in the meantime enjoy driving (while you can still do it yourself).

My First Car – By Simon Donnelly

WHEN I was a teenager all I wanted to do was pass my driving test. After I joined Celtic at 17, I had two aims – to get into the first team squad and get my licence.

I sat my test when I was 19 and had already bought my car. Talk about being confident! It was a brand new Volkswagen Golf. Right out of the wrapper. It was a lovely shade of green and it was gleaming.

All I had to do was pass my test. Well, I don’t need to tell you, I failed.

But I still went to the garage right after the Examiner broke the bombshell news to me. I took my mum me and my ‘L’ plates and she had to sit in the passenger seat as I drove away. It only made me more determined than ever to get behind the wheel without a ‘babysitter’ and I passed the second time.

It was a wonderful time in my life and having the freedom to get around without relying on others is bliss. I was able to drive down to my grandparents in Ayrshire on a regular basis and that gave me great pleasure.

But I wasn’t keen on getting it dirty and that’s when the arguments and ducking and diving would start every day at training when we were in the reserves at Celtic. We would get changed at Parkhead and then drive to Barrowfield, about half a mile along London Road.

You’ve no idea the lengths some of us would go to not to be the one to drive and have four passengers with muddy football boots and dirty training gear on. But we took out turn – some more than others! The car always needed a full wash and scrub by the end of the week.

I enjoyed my Golf car and bought three of four more after that. Happy, happy days.

Number of Cars owned: eight or nine

Favourite Car Owned: BMW 5 Series. Very smooth and luxurious.

Dream Car: I’m not really into cars, my wife is keener than me. But I’d have to say a Ferrari. My sons would love being driven around in such style!

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

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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!