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
Aug 22, 2018

What is Just Add Fuel?

Just Add Fuel deals combine finance, breakdown, servicing, insurance and tax costs into a single monthly instalment, making it easier to budget for a new car. You just need to factor in the cost of fuel. They can be a more affordable way for young drivers to get a brand new vehicle.

 

Best Just Add Fuel deals

Just Add Fuel Deals make budgeting for a brand new car as simple as for your mobile phone. With one payment each month, most of your major costs are covered.

As the name makes clear, the only regular additional cost should be the fuel, although you'll normally need to pay for any new tyres or brakes that are needed during the agreement.

Just Add Fuels 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 Just Add Fuel, but the name is used as a general term for these sorts of deals offered by other car manufacturers. Peugeot's sister companies Citroen and DS offer the same sort of agreement under the name SimplyDrive. Volvo has a more expensive scheme 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.

 

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

Care by Volvo

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

for any of the above manufacturers

 

Just Add Fuel Deals: finance

Most Just Add Fuel deals are based on Personal Contract Purchase (PCP) finance. Your monthly payments cover the value that the car's expected to lose over the term. At the end, you can either return it or buy it for the remainder of its value. If the car turns out to be worth more than expected, you'll also have the option of trading it in for a new one.

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: 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 less than £300 a month on a three-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 pay a higher monthly price. 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 could cost around £295 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 £340.

     

Just Add Fuel age and experience requirements

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.

 

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.

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 amount you owe, then you may be able to trade it for a newer one without penalty. 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 if you have less than two years' driving experience or certain convictions.

  • Includes servicing, tax, insurance, finance and breakdown cover (home & abroad)
  • Based on PCP finance:return the car at the end or buy it for a lump sum.
  • 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 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.
Peugeot 108 buying guide

OR

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.
Peugeot 208 buying guide

OR

Nearly new & used cars with standard finance

  

Peugeot 3008 Just Add Fuel Deal

The 3008 is the best all-round family crossover car that you can buy at the moment. 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 a premium 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.
Peugeot 3008 buying guide

OR

Nearly new & used cars with standard finance

                 

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 haven't got two years of No Claim Discount.

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

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.
Citroen C1 buying guide

OR

Nearly new & used cars with standard finance

  

Citroen C3 SimplyDrive deal

The C3 is an ostentatious 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 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.

OR

Nearly new & used cars with standard finance

 

DS SimplyDrive

DS 3
DS 3 Cabrio
DS 4

Drivers aged 18 to 75 can take advantage of SimplyDrive Peugeot’s Just Add Fuel scheme, 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.

OR

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.
DS3 buying guide

OR

Nearly new & used cars with standard finance

 

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 & abroad)
  • Leasing arrangement, so you return the car at the end
  • Available across the Volvo range, including XC40, V60 and XC60 (above), plus V40, XC90 and V90

   

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 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. Momentum pro 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.

OR

Nearly new & used cars with standard finance

   

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