Just Add Fuel deals

One single payment covers your car, insurance, servicing and breakdown cover: the best hassle-free just add fuel deals

BuyaCar team
Jan 23, 2018

Buy a brand new car on a Just Add Fuel Deal and you'll only need to make one fixed payment a month, which covers finance, as well as insurance, tax, servicing and breakdown cover. The schemes are designed to make budgeting for car payments as simple as your mobile phone bill.

As the name suggests, you’ll need to pay for your fuel, but that should be your only regular additional cost. If certain parts need replacing, such as tyres or brake pads, then you'll normally need to pay for them.

Some deals are available for drivers from the age of 18 but younger motorists will normally have to fit a black box to their car so that the quality of their driving can be monitored.

Just Add Fuel is a trademark owned by Peugeot, but it's also used as a general term for these sort of deals. Peugeot's sister companies Citroen and DS offer the same sort of agreement under the name SimplyDrive. Volvo will soon offer a more expensive scheme with its new XC40 vehicle called Care by Volvo.

If you're looking to buy a used or nearly new car, then it's possible to create your own used car Just Add Fuel deal, by arranging finance to cover your first year's insurance and tax costs. 

More details on Just Add Fuel deals from: 

from any of the above manufacturers then ask about Just Add Fuel


With the exception of Volvo’s scheme, Just Add Fuel deals are based on Personal Contract Purchase (PCP) finance, a scheme that gives you three options at the end of the term. You could hand the car back and walk away; buy it by paying a lump sum or refinancing; or - if your car is worth enough - you may be able to get a new one on another Just Add Fuel deal (or another type of finance agreement) with no, or minimal, deposit.

Volvo's scheme uses a leasing arrangement, which requires you to hand the car back at the end.You'll be charged extra under both arrangements if you go over your annual mileage limit - in the same way that you have to pay more if you exceed your phone’s data allowance.

How Just Add Fuel schemes work


Just Add Fuel schemes: the good

✔ Convenient and predictable with one monthly payment
✔ Fixed insurance costs (as long as your circumstances remain the same)
✔ Can be the cheapest way for a young driver to get a new car


Just Add Fuel schemes: the not-so-good

✘ No option to shop around for the cheapest insurance or breakdown cover
✘ Requires you to have a no claims bonus or to fit a black box, which monitors your driving.
✘ Restricted to a few manufacturers



How much are Just Add Fuel deals?

For a small car, such as a Peugeot 108 (below), you could find yourself paying less than £200 a month on a three-year deal with a deposit of just £500.

However, it depends on your circumstances: you may be able to take out an agreement without a deposit, but there’s usually the option to leave one that’s up to 40% the cost of the car. this will reduce your monthly payments and the interest that you’re charged.

Finance costs can vary depending on your credit score, and the insurance element of your monthly payment will vary depending on your age, postcode and annual mileage.

For example, that Peugeot 108 would be less than £200 per month for someone over the age of 30 - as long as they lived in a safe postcode. An 18-year-old might find themselves paying more than £250.


What are the requirements for Just Add Fuel Deals?

The cost of insurance for young drivers, under the age of 21, means that they are only able to take out Just Add Fuel deals on smaller, less-powerful cars. The most powerful models on the schemes are only available if you’re 30 or over.

The other main requirement is a relatively safe driving history, which may include at least two years of no-claims discount, a limited number (or no) driving convictions and limited claim history.

If you can’t prove this, or are under the age of 21, then you may be able to take out a Just Add Fuel deal with a black box fitted to your car to monitor your driving. This is also described as telematics.

The box monitors your speed, how quickly you take corners, and the smoothness of your acceleration and braking. If you’re judged to be regularly driving unsafely, then you’ll be given a warning. If you reach a fourth warning, your insurance will normally be cancelled.

Any speeding tickets or other motoring convictions could mean that you’re unable to take out a Just Add Fuel deal.


Speeding can result in your Just Add Fuel insurance being cancelled if your car is fitted with a black box


Can I cancel a Just Add Fuel deal early?

Normally, yes, but you’ll need to check the terms and conditions of your deal for any specific restrictions or costs.

You’ll typically be able to reduce your monthly payment by cancelling the insurance, breakdown cover and servicing elements at any point and then make your own arrangements, but you’ll still be liable for the biggest cost: the monthly finance payment.

If you’re close to the end of the deal and the car is worth more than the amount you owe, then you may be able to end the finance deal early, or trade your car in for a newer one without penalty.

If you owe more than the current value of the car, then you’ll be charged a settlement fee, which your finance company will provide.


Peugeot Just Add Fuel

Peugeot’s Just Add Fuel scheme is aimed at younger drivers aged 18 or over. It includes insurance for up to three drivers (with no curfews) but you’ll need a black box fitted to your car if you have less than two years experience on the road, or certain driving convictions. If you get four warnings for poor driving, your cover is cancelled.

Servicing, car tax and breakdown cover (at home and abroad) are also included over the three-year term. These costs are combined with your monthly finance payment to make a single fee that you pay each month.

Just Add Fuel is based on PCP finance, so you can hand the car back at the end or buy it for a fixed lump sum. If it’s worth more than the lump sum, then you may be able to trade it for a new car on another finance agreement with little or no deposit required.

You can take the scheme out when you buy either a brand new Peugeot 108, 208, 2008 and 308, although some sporty versions of the 208 and 308 are excluded.

then ask about Just Add Fuel

Nearly new & used cars with standard finance


Peugeot Just Add Fuel: the best deals

Peugeot 108 Just Add Fuel Deal

Peugeot’s city car is available on Just Add Fuel for anyone from the age of 18. It looks modern, and is available with a folding roof, in version called Top. Active is the best trim because it has air-conditioning, a digital radio and Bluetooth for connecting your phone wirelessly. A split-fold rear seat allows you to boost luggage space and retain space for a passenger in the back. It’s a little cramped and it lacks oomph on the open road but as a stylish runabout, it does the job.
Read the Peugeot 108 buying guide

then ask about Just Add Fuel

Nearly new & used cars with standard finance


Peugeot 208 Just Add Fuel Deal

Peugeot’s supermini is economical, good-looking and available on a Just Add Fuel deal from the age of 18. Don't go thinking you can have the sporty GTi version, though: it’s excluded from the deal.

The 208 feels well-made and even entry-level Active cars come with air conditioning, dashboard touchscreen with Bluetooth and alloy wheels. The steering wheel is also unusually small. It’s meant to make the car feel more nimble but may take a bit of getting used to.
Read the Peugeot 208 buying guide

then ask about Just Add Fuel

Nearly new & used cars with standard finance



Citroen SimplyDrive

Citroen’s just add fuel scheme is called SimplyDrive, and offers the same features as Peugeot’s for a single monthly fee. It also offers six months’ payment waiver in the unfortunate event you are made redundant.

There are plenty of models available on the scheme from city cars to rugged-looking sport utility vehicles (SUVs) and spacious people carriers. Models include the (clockwise from top left) Citroen C1Citroen C3Citroen C4 Picasso and Citroen C4 Cactus.

See our separate and complete guide to Citroen SimplyDrive for a full list of Citroens that are available on the plan.

Drivers aged from 18 to 75 years qualify. Young drivers must have a black box fitted (four warnings for poor driving will result in cancellation of cover). Otherwise, drivers need to have at least two years’ no claims discount and to have held a full driving licence for at least two years.  Because it’s PCP-based, you have the usual three options at the end of the deal, so you can walk away with nothing more to pay; buy your car; or switch to a new car and new deal.

then ask about Just Add Fuel

Nearly new & used cars with standard finance



Citroen SimplyDrive: the best deals

Citroen C1 SimplyDrive deal

Underneath the Citroen C1 city car are the same mechanical parts that make up Peugeot’s 108. They are virtually identical apart from the exterior design, so your choice depends on which one you find more stylish. Both cars come with the option of a folding roof.

The C1 is best around town where it feels nippy and two adults won’t mind being sat in the back (they won’t want to be there on a long-distance journey).

Avoid entry level Touch cars, which lack the air conditioning, dashboard touchscreen and Bluetooth that’s standard on the rest of the range.
Read the Citroen C1 buying guide

then ask about Just Add Fuel

Nearly new & used cars with standard finance


Citroen C3 SimplyDrive deal

The C3 is an ostentatious supermini that’s a refreshing alternative to the more conventional-looking cars in its class. It’s comfortable to drive, spacious inside and comes with the option of plastic side Airbumps to help protect it from parking scrapes. All of the engines, bar the entry-level 67bhp petrol unit, are punchy and economical.

Feel trim offers the best value for money and comes with a wider choice of engines than entry-level Touch. It’s unusual for having an on-board camera that records your journeys and which will save those crucial seconds either side of an accident for use as evidence.

then ask about Just Add Fuel

Nearly new & used cars with standard finance



DS SimplyDrive

Until recently, DS was just the name of some Citroen models, but it has since been launched as a new brand. It’s still part of the same company as Citroen and Peugeot, though, so its Just Add Fuel scheme is called SimplyDrive, too.

It’s identical to the Citroen scheme in offering three years’ PCP finance, insurance, servicing, roadside assistance, road tax, warranty and six month’s payment waiver. Likewise you must be aged between 18 and 75 years. Minimum-age drivers must have a black box fitted to the car, while on selected models 21 and 25-year-old drivers must, too.

The cars covered under the scheme are the DS 3, DS 3 Cabrio, DS 4, DS 4 Crossback and DS 5.

then ask about Just Add Fuel

Nearly new & used cars with standard finance


DS3 SimplyDrive deal

The DS3 still looks fresh and distinctive and remains good value for money. It’s nimble, changing direction quickly, which makes it fun to drive, even if it’s not as comfortable as a VW Polo.

The 110bhp Pure Tech petrol engine has a good blend of power and economy; entry-level Chic trim won’t leave you feeling short-changed, with alloy wheels, air conditioning, mood lighting and a touchscreen with Bluetooth and digital radio as standard.
Read the DS3 buying guide

then ask about Just Add Fuel

Nearly new & used cars with standard finance



Volvo Care by Volvo

Volvo’s answer to Just Add Fuel is not a PCP-based offer but one based on contract hire. This means that you can't keep the car at the end of the term – you must hand it back, which means that you'll start from scratch if you want another agreement, so you'll probably need to find a deposit or initial payment.

Volvo bills its new offer as a hassle-free way to have a new car but - for now, there are a few frustrating barriers. It's only available if you live within the M25 and want to buy its new XC40 D4 and T5 Momentum models, which are available to order, but will only be delivered from early next year. Volvo promises that in time the offer will be available on more models and to more people.

It's even more hassle-free than the Citroen and Peugeot offers because you don't even need to add fuel: Volvo promises that a concierge will pick your car up and do it for you (although you'll have to pay for the petrol or diesel). They will also valet the car and collect it for servicing. Not only that, you can borrow another Volvo for a maximum of 14 days a year for those times when the XC40 isn't enough: a big Volvo V90 estate for your summer holiday, perhaps.

As you might expect, all of this service doesn't come cheap, which means that the monthly payment, which also covers your hire payments, insurance, road tax, servicing and breakdown assistance is a hefty £629 - or more than £15,000 over two years.

To qualify for Care by Volvo, you must be aged between 25 and 79 years. You must have held a full driving licence for at least two years, have one year’s no claims discount and a maximum of three penalty points. The insurance covers you and two other named drivers.

Nearly new & used cars with standard finance


Volvo XC40 Care by Volvo deal

The all-new XC40 has only recently been revealed but it’s clear the Range Rover Evoque rival is one of the more stylish cars in its class. It’s smaller than the XC60 but has an interior that vortually matches in on space. The boot is a generous 460 litres and has an adjustable floor to boost practicality and stowage options. Each trim level features different exterior colour schemes. Entry-level Momentum trim, available on Care by Volvo, has the option of a white roof, for example. It also a nine-inch colour touchscreen, a sat nav and 18in alloys.




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