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
Sep 20, 2017

You don't need to budget for insurance, breakdown cover, servicing and tax when you take out a Citroen SimplyDrive deal. There's just one monthly payment to make, which covers everything - plus finance payments on a brand new car.

SimplyDrive is Citroen's name for the ‘just add fuel’ deals that are offered by Peugeot. The agreements last for a set period  - typically three years - and make it easy to work out a car's running costs, as the only extra, in theory, is fuel.

It can cut the cost of motoring for young drivers in particular, because insurance is included as part of the price. Teenage drivers will need to have a black box fitted to their car, though. This 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.

There are eight Citroen models available with SimplyDrive, ranging from the small C1 city car to spacious hatchbacks and the seven-seat Grand C4 Picasso people carrier. New cars, including the latest Citroen C3 Aircross are expected to be added soon.

SimplyDrive is only available on brand new Citroens. Once you've chosen the model that you like, just ask for a quote on a SimplyDrive deal  but similar arrangements are available with used cars on request. Once you've chosen a brand new Citroen, just ask for a quote on a SimplyDrive deal.

See full details of the cars available with SimplyDrive below

SimplyDrive agreements use Personal Contract Purchase (PCP) finance, so you’ve got three options at the end: hand the car back with nothing more to pay, trade it in for a different model on a new agreement (from any manufacturer), or pay a lump sum to buy the vehicle.


How Citroen SimplyDrive works


Citroen SimplyDrive: the good

✔ Regular monthly payment makes it easy to budget
✔ Insurance costs stay the same unless your circumstances change
✔ Often a cheap option for younger drivers looking for a new car
✔ Large choice of Citroens


Citroen SimplyDrive: the not-so-good

✘ Only available on new Citroen cars
✘ You can’t shop around for cheaper insurance or breakdown cover
✘ Requires a two-year no-claims discount or black box monitoring
✘ Safe driving doesn’t result in lower insurance costs.


Citroen SimplyDrive for young drivers


If you’re aged between 18 and 20, have had your driving licence for less than two years, or don’t have two years’ no claims bonus, then you’ll need to have a black box fitted to your SimplyDrive car. This will monitor how you’re driving.

The technology, which is known as telematics, records your speed, the roads that you’re travelling on and how quickly 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.

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. The cars are listed below.


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 just under £100, taking the total monthly payment to £265.

For a 23-year-old with two years’ no claims discount, the insurance element drops to £35 a month, bringing monthly payments down close to £200.

Upgrading to a Citroen C4 Cactus raises the monthly payment to just under £300.

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 alarmingly 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.

However, as there’s no option to reduce your cost by choosing an older car, drivers on a budget will be restricted to the underwhelming performance of the least powerful engines.

Cars bought on a SimplyDrive deal won’t necessarily be available with the very best Citroen discounts, 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 any other type of 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.
  • They are also subject to the black box requirements, along with anyone who doesn’t have 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. If they have made more than one fault or theft claim in the previous three years, they they won’t be able to take out a SimplyDrive arrangement.
  • There is also an upper age limit: you have to be under 75 to qualify.


Driving convictions can prevent you from taking out a Citroen SimplyDrive agreement


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.

That’s because these are pay-as-you-go services: 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.

If you’re coming to the end of your agreement, then you may be able to hand the car back with nothing more to pay if the vehicle is worth more than the amount left owing.


Cars available with Citroen SimplyDrive

All of the cars offered as part of a SimplyDrive deal are listed below. You can configure a new Citroen that’s on the list, and then request to buy it under this arrangement.

The example quotes are for an 18 and a 30-year-old, both living in Cheshire, on a three-year agreement with a £500 deposit and 8,000 annual mileage limit

Citroen C1 deals on SimplyDrive

Typical quote Citroen C1 Feel 1.0 VTi 3dr
Age 18 £300 per month Age 30 £252

Available from the age of 18, Citroen’s little city car is designed to appeal to young drivers, with its funky styling and models that are classified in low insurance groups. There’s the option of a full-length fabric sunroof.

Although you’re likely to put up with the cramped rear seats if your only other option is the bus, the C1 isn’t the best choice for carrying lots of passengers because if its small dimensions and rear windows that pop out, rather than wind down.
Read the Citroen C1 buying guide

Search for all Citroen C1 deals


Citroen C3 deals on SimplyDrive

Typical quote Citroen C3 Flair 1.2 PureTech 82hp
Age 18 £397 Age 30 £343

Also available to drivers aged 18 or over, Citroen’s newest model offers more space than the C1, so you’ll be able to fit five teenagers in, as long as everyone in the back squeezes up.

Pick a top-of-the-range Flair model, and it will come with a built-in dashboard camera to complement the black box that young drivers will need to have fitted, which will give you a full range of data to provide evidence in the case of any accident.

Search for all Citroen C3 deals


Citroen C4 Cactus deals on SimplyDrive

Typical quote Citroen C4 Cactus Feel 1.2 PureTech 82hp
Age 18 £371 Age 30 £282

For teenagers who dream of a soft, comfortable car that’s extremely practical, the the C4 Cactus is ideal - especially as it has the plastic panels on its sides - which Citroen calls Airbumps - that help to protect the paint against car park scrapes.

It’s offered to drivers who are at least 18 on SimplyDrive, and insurance costs aren’t much more than with a C1.
Read the Citroen C4 Cactus buying guide

Search for all Citroen C4 Cactus deals


Citroen C3 Picasso deals on SimplyDrive

Typical quote Citroen C3 Picasso Edition 1.2 PureTech
Age 18 £470 Age 30 £364

Only the deeply unfashionable teenager would opt for a C3 Picasso, which is offered to all ages over the age of 17.

It’s more likely to appeal to parents of young families. The car might not be very long, but it’s tall, and that makes the interior feel bright and airy. There are plenty of storage spaces and legroom is surprisingly good. The car is due to be replaced by the Citroen Ce Aircross shortly and it does feel its age, with a dated-looking dashboard and a bouncy ride on rough roads.
Read the Citroen C3 Picasso buying guide

Search for all Citroen C3 Picasso deals


Citroen C4 deals on SimplyDrive

Typical quote Citroen C4 Feel 1.2 PureTech 110hp
Age 18 £558 Age 30 £452

The Citroen C4 is strong on practical appeal, with plenty of interior space and lots of storage, but there are better options available, including the Peugeot 308, which is eligible for Peugeot’s Just Add Fuel offers.

However, if you can get a good discount on a Citroen C4, then the car is worth considering: it’s no worse than average when it comes to ride comfort and boot space, but falls behind on equipment levels. It’s available to teenagers on SimplyDrive, but prices are steep.
Read the Citroen C4 buying guide

Search for all Citroen C4 deals


Citroen C4 Picasso deals on SimplyDrive

Typical quote Citroen C4 Picasso Feel 1.2 Puretech 130hp
Age 18 n/a Age 30 £450

Class-leading comfort, practicality and style makes the C4 Picasso one of the best people carriers that you can buy. Over 25s also have the option of taking it on a SimplyDrive agreement, although official prices are steep.

Ensure that any deal is based on the current C4 Picasso discounted price. Failing that, you could save thousands of pounds over a three-year agreement by leasing a C4 Picasso and arranging insurance yourself.
Read the Citroen C4 Picasso buying guide

Search for all Citroen C4 Picasso deals


Citroen Grand C4 Picasso deals on SimplyDrive

Typical quote Citroen Grand C4 Picasso Feel 1.2 PureTech
Age 18 n/a Age 30 £484

For slightly more than the cost of a C4 Picasso people carrier, you could have the more spacious Citroen Grand C4 Picasso, which has all of the strengths of the smaller car, plus seven seats.

Admittedly, if you fill the car up with passengers then there will be very little room for luggage, but you can fold the rear two seats down to free up a decent-sized boot. Just as with the standard C4 Picasso, you shouldn’t pay full price for a SimplyDrive package, as discounts and leasing offers make driving one of these cars considerably cheaper.
Read the Citroen Grand C4 Picasso buying guide

Search for all Citroen Grand C4 Picasso deals


Citroen Berlingo Multispace deals on SimplyDrive

Typical quote Citroen Berlingo Multispace Feel 1.2 PureTech
Age 18 £513 Age 30 £444

Combining the space of a small van, with the seating arrangement of a car, the Berlingo Multispace is a practical no-nonsense choice for families, even if it is almost entirely bereft of style and has the heavy steering and noisy engine of a van.

You do have the option of seven seats, though, and the price is cheap. However, hefty insurance costs make the SimplyDrive option extremely expensive, so this people carrier is poorly suited to the scheme, even if it’s available from the age of 18.

Search for all Citroen Berlingo Multispace deals



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