What is Citroen SimplyDrive?

Pay for your finance, insurance, servicing and breakdown cover in one single instalment: all the details on Citroen SimplyDrive

BuyaCar team
Apr 19, 2021
Citroen C4 Cactus moving

Every now and again car manufacturers offer exciting new ways for you to purchase one of their cars. One of the more intriguing options are so-called 'Just add fuel' deals which, as you may have guessed, require you only to pay for fuel on top of what you're paying for the car. Citroen SimplyDrive is one of these initiatives, and it's essentially a way of stretching out the overall cost of purchasing and running a car so you don't need to save up a shed load of cash.

These kinds of deals have appeared across the market in a number of forms over the years, one of those is Citroen SimplyDrive, which allows you to pay for a brand new car, with insurance, tax, servicing, and roadside assistance all taken care of within your monthly payments. Then all you have to do is just add fuel - hence the name.

Generally speaking, just add fuel options including Citroen SimplyDrive are only available with brand new cars, but the offer will normally be restricted to certain models. As it stands however, Citroen SimplyDrive is not currently being offered on Citroen's website.

Initiatives like this are a great way for younger and first-time drivers to get hold of a set of keys, making for reliable and consistent motoring without having to worry about unexpected costs for repairs or servicing, while also offering the benefit of paying monthly for the car like you would a finance deal. It takes away the need to save a small mountain of cash.

As a side note, in the case of Citroen SimplyDrive, teenage drivers will need to have a black box fitted to their car, which will monitor the safety of their driving. Older drivers may be required to have one too if they don't have two years of no-claims bonus.

How Citroen SimplyDrive works

Pros

✔ Easy to budget with single monthly payment
✔ Fixed insurance costs (unless circumstances change)
✔ Can offer good value for young drivers
✔ Large choice of Citroens

Cons

 Limited to Citroen models
Requires no-claims history or black box to monitor driving
 Can't shop for cheaper insurance or breakdown cover
 Save driving doesn't cut insurance costs

Citroen SimplyDrive for young drivers

If you’re aged between 18 and 20 and you've had your driving licence for less than two years, then you’ll need to have a black box fitted to your SimplyDrive car. Using telematics technology, it will monitor how you’re driving, and keep a record of your speed among other things, including the roads that you’re travelling on and how smoothly you brake and accelerate. Your performance is ranked out of 100. Your score has to remain above a threshold set by Citroen. If it falls below, then you’ll be sent a formal warning. Receive four of those in a year, and your insurance policy will be cancelled.

This will be the same for any driver with less than two years of no claims. The minimum age for the scheme is 18. Drivers under 21 are limited to certain models and smaller engines if they want to use SimplyDrive.

How much does Citroen SimplyDrive cost?

It all depends on the car that you’re looking at and your circumstances - particularly your age, which will affect your insurance payments.

For example, an 18-year-old living in Cheshire can take out a SimplyDrive agreement on a small Citroen C1 (below), which has relatively cheap monthly finance payments. However, the insurance part of the agreement costs £136 per month, taking the total monthly payment to £325.

For a 23-year-old with two years’ no claims discount, the insurance element drops to £63 a month, bringing monthly payments down to £252.

The exact quote will depend on your postcode, the length of the agreement, mileage limit and deposit that you have.

Is Citroen SimplyDrive good value?

As long as you want a Citroen, and the insurance part of the deal is cheaper than you would be able to obtain elsewhere, then SimplyDrive can be good value.

The price tends to increase sharply if you choose a car with anything but the smallest engine. That's because you face a double whammy of higher insurance costs, plus the extra finance payments for a more expensive model - just as you would if you bought these items separately.

Also, cars purchased through SimplyDrive won’t necessarily be available with the very best Citroen discounts that might be on offer, so it’s worth comparing against the cost of financing a car and paying for the insurance separately, along with all of the other elements.

If you’re set on a single monthly payment that includes everything except fuel, then you can also look at other just add fuel deals, operated by Citroen’s sister companies DS and Peugeot.

Requirements for Citroen SimplyDrive

As with other types of car finance, you will have to pass a credit check. There’s also a list of requirements that are designed to attract safe drivers.

  • Drivers aged between 18 and 24 cannot have had any driving convictions in the past five years, or any fault or theft claim in the previous three.
  • Young drivers must also have a black box fitted, as does anyone without a two year no claims discount.
  • Drivers aged 25 and over cannot have had more than one minor conviction (and no serious driving convictions) in the previous five years and must have held their driving licence for at least two years.
  • There is also an upper age limit: you have to be under 75 to qualify.

Can I end a SimplyDrive agreement early?

Yes. If you decide that you would prefer to pay for insurance, breakdown cover or servicing separately, then you can remove one or more of these elements during the agreement without penalty. These are pay-as-you-go services so if you stop making the payments, you’ll need to make your own arrangements, but you won’t owe anything.

However, if you want to hand the car back or buy it before the end of the agreed term, then you’ll need to ask Citroen for a settlement figure. This will be the total amount that you’ll need to pay in order to end the agreement. You’ll save on some interest payments but will usually have to pay an additional fee. Towards the end of the agreement, the settlement fee may not apply.

 

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