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
Sep 21, 2020

Trying to decide which is the best way to go about purchasing your next car? There's certainly no shortage of options on the table, each with their own pros and cons.

If you're not able to shell out thousands of pounds in cash - you're not the only one - then there are several other ways of making your next car purchase much more affordable. Car finance offers a chance for you to split that massive cost into smaller and manageable monthly payments, so instead of having to save £10,000 for a nearly new Volkswagen Up, you can pay for it in £150 chunks instead. Read our car finance guides for more details.

There are drawbacks to car finance though, you won't be the registered owner of the car until you've completed all the payments, while you'll be constrained by annual mileage limits and additional costs for any damage during the course of your contract. You'll also still need to sort out insurance, servicing and road tax on top of your monthly finance payments, so keeping track on the expenditure can be a challenge.

One way to remove some of that admin work is to opt for a Just Add Fuel deal. These offer a chance for you to pay for the car in reduced monthly payments, just like car finance, but those payments will also include breakdown cover, servicing, insurance and tax costs - making it easier to calculate your budget.

The best Just Add Fuel deals

Just Add Fuel deals are only available for brand new cars and are growing in popularity because of their affordable monthly costs. Most are available to drivers from the age of 18 but under 21-year-olds must use a black box that monitors the quality of their driving.

Peugeot owns the trademark to the Just Add Fuel name, but the phrase is used as a general term for this sort of deals offered by other car manufacturers. Peugeot's sister company DS offers the same type of service under the name SimplyDrive - Citroen also used to offer this scheme, but it's currently unavailable. Volvo has a more expensive scheme called Care by Volvo that provides a similar service.

Peugeot Just Add Fuel

  • Peugeot 108 (above) monthly example:
    18 year-old £343 25 year-old £253
  • Tax, insurance, servicing included
  • Other cars include: 208, 2008 and 308

Citroen SimplyDrive

  • Citroen C1 (above) monthly example:
    18 year-old £361 25 year-old £295
  • Includes tax, servicing, insurance
  • Cars include C3, C3 Aircross, C4 Cactus

DS SimplyDrive

  • DS 3 (above) monthly example:
    currently unavailable
  • Tax, servicing, insurance included
  • Cars include DS 3, DS 3 Cabrio, DS 4, DS 4 Crossback, DS 5

Care by Volvo

  • Volvo XC40 (above) monthly example:
    30-49 year-old £479
  • Covers insurance, servicing, repairs
  • Cars include S60, S90, V40, V60, V90, XC40, XC60, XC90

Used Just Add Fuel Deals:

If you're looking to buy a used or nearly new car, then you won't be able to get a standard offer from the dealer, but you can work towards creating your own used car Just Add Fuel deal, by arranging finance to cover your first year's insurance and tax costs.

Just Add Fuel Deals: finance

Most Just Add Fuel deals are based on Personal Contract Purchase (PCP) finance. With PCP you get low monthly payments as these only cover the difference in value between the car's initial price and what it's expected to be worth at the end of the contract. At the end, you can either return the car or make the optional final payment to own it outright.

If the car turns out to be worth more than the optional final payment, you'll also have the option of effectively trading it in for a new one and putting the extra value - known as equity - towards your new finance deal, lowering your monthly payments.

Volvo's scheme, on the other hand, uses a leasing arrangement, which requires you to hand the car back at the end, with no option to buy it outright.

You'll be charged extra under both arrangements if you go over the pre-agreed mileage limit - in the same way that you have to pay more if you exceed your phone’s data allowance. Similarly, if there's any more damage than 'fair wear and tear' you can expect a bill to put this right.

How Just Add Fuel schemes work

Just Add Fuel: the good

Convenient and predictable
Fixed insurance costs (unless circumstances change)
New cars often more affordable for young drivers

Just Add Fuel: the not-so-good

Can't shop around for insurance quotes
Requires no-claims bonus or black box to monitor driving
Restricted to a few manufacturers

How much are Just Add Fuel deals?

For a small car, such as a Peugeot 108 (above), you could find yourself paying just over £250 per month on a three-year, 10,000-mile-per-year deal with a deposit of £1,000.

Depending on your circumstances, you may be able to take out an agreement without a deposit, but you'll face higher monthly payments. 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, too.

For example, that Peugeot 108 could cost around £258 per month for a 25-year-old - as long as they lived in a "safe" postcode. An 18-year-old might find themselves paying more than £332 in the same "safe" postcode.

Just Add Fuel deals for new drivers

The cost of insurance for new 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 to get a deal if you're a new or young driver 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 Just Add Fuel 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.

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 payments 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.

You are normally able to end PCP finance agreements early. If you’re close to the end of the deal and the car is worth more than the remaining balance on the finance, then you may be able to trade it for a newer one without penalty, putting any equity - meaning value in the car over the remaining debt - towards the deposit on your next car. If not, then you'll need to pay a settlement fee to cover the difference.

Peugeot Just Add Fuel

Peugeot 108
Peugeot 208
Peugeot 2008

Peugeot’s Just Add Fuel scheme is for drivers aged 18 or over and includes insurance for up to three drivers. You'll need a black box to monitor your driving if you have less than two years' driving experience or certain convictions.

  • Includes servicing, tax, insurance, finance and breakdown cover (home and abroad)
  • Based on PCP finance: return the car at the end or buy by making the optional final payment
  • Available with brand new 108, 208, 2008 (all above) and the 308, 3008 and 5008

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 sliding fabric roof, in 'Top' versions. Active is the best trim for most young drivers 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 room 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 could fit the bill.


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, a dashtop touchscreen media system 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.


Peugeot 3008 Just Add Fuel Deal

The 3008 is one of the best all-round family crossover cars that you can buy. Combining the comfortable ride of the Peugeot 308 hatchback with a higher driving position and a high-tech interior with a dual-screen dashboard, it feels like an upmarket family car, which hasn't always been the case with Peugeots in the past.

It's available on Just Add Fuel for drivers aged over 21.


Citroen SimplyDrive

Citroen C1
Citroen C3
Citroen C3 Aircross

Citroen's SimplyDrive scheme is similar to Just Add Fuel. Drivers must be aged between 18 and 75; three additional drivers can be added to the policy. A black box is required if you don't have two years of no-claims discount or more.

  • Includes servicing, tax, insurance, finance and breakdown cover (home and abroad)
  • Six months' payment waiver if you're made redundant during the agreement
  • PCP finance: return the car at the end or buy it for the pre-agreed optional final payment
  • Available with brand new C1, C3 and C3 Aircross (all above), as well as C4 Cactus

Citroen SimplyDrive: the best deals

Citroen SimplyDrive is currently unavailable, so you won't be able to purchase a car via this scheme for the time being. However, we expect these offers to return at a later date.

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 price and which one you find more stylish. Both cars come with the option of a sliding fabric 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, dashtop touchscreen media system and Bluetooth that’s standard on the rest of the range.


Citroen C3 SimplyDrive deal

The C3 is an boldly styled small car 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 67hp 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.


DS SimplyDrive

DS 3
DS 3 Cabrio
DS 4

Drivers aged 18 to 75 can take advantage of SimplyDrive by DS, which runs over three years. Insurance can cover up to three extra drivers. Black boxes are mandatory for drivers with less than two years of experience or certain driving convictions.

  • Servicing, tax, insurance, finance and breakdown cover (home & abroad) are included
  • Six months' payment waiver if you're made redundant during the agreement
  • PCP finance means that you can return the car or buy it for a lump sum at the end
  • DS 3, DS 3 Cabrio, DS 4, DS 4 Crossback and DS 5

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.

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 110hp PureTech 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 media system with Bluetooth and digital radio as standard.


Care by Volvo

Volvo XC40
Volvo V60
Volvo XC60

Care by Volvo is billed as a subscription service because it's based around leasing - a form of long-term car rental. One monthly payment covers insurance for up to three drivers but you need to be at least 30, and have no insurance claims in the past year to sign up.

  • Includes servicing, tax, insurance, leasing, certain repairs and breakdown cover (home and abroad)
  • Leasing arrangement, so you have to return the car at the end, with no option to buy
  • Available across the Volvo range, including V40, V60, V90, XC40, XC60 (above) and XC90

Volvo XC40 Care by Volvo deal

The new Volvo XC40 has been winning plaudits around the globe, and was recently awarded the World Car of the Year title. 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 virtually matches it on space. The boot is a substantial 460 litres and has an adjustable floor to boost practicality and storage options.

Each trim level features different exterior colour schemes. Momentum Pro trim, available on Care by Volvo, has the option of a white roof, for example. It also has a nine-inch colour touchscreen media system, sat-nav and 18-inch alloys.



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