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Newbie - Help Needed!


nohedes
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Hi All,

I am a Newbie to the Forum (and an Audi virgin blush.gif) and I'm hoping for some help/advice in which Audi to order for my company car...

I am considering the following Audis:

A4 2.0T quattro S-Line Spec Ed (Saloon)

A4 2.0T S-Line Spec Ed (Avant)

A6 2.0TDI SE

A6 2.0T SE

I've driven the A6s on 48hr test-drives and was really impressed with the build quality and pleasantly surprised by the performance of both, but the fuel consumption on the 2.0T averaged 24mpg shocked.gif Is this about right for a 2.0T engine?

I'm also very tempted by the quattro but the extra CO2 means £50pm more company car tax - is it worth it in your opinion?

Sorry for the long post, all comments/advice much appreciated 169144-ok.gif

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Welcome to TSN!

I first think you need to decide on which model you want - A4 or A6. The build quality will be superb on both so it's really about how much space you want.

If it's an A4 you decide on, personally I would go for the Quattro saloon as 220PS and 300Nm is a lot power and torque to put through the front wheels in my opinion. However if it's going to hit you hard on the tax, it may not be an option.

As far as fuel consumption goes, it depends on your driving style and the type of miles you do. If you pootle up and down the motorway in the 2.0T, I daresay you should get well into the 30s. Remember though the Quattro will increase consumption by around 10%.

I do a lot of urban driving and expect to get around 25 out of my 2.0T Quattro when it arrives.

Have you considered the 2.0 Tdi? It's a cracking engine and may help reduce your tax liability. It's not available with Quattro though.

If it was me, I would be tempted to go for 2.0T Quattro saloon but if the tax is a major sticking point, go for the Avant or consider the 2.0 Tdi (saloon or avant but definitely s-line).

If it's an A6 you decide on, I can't help you as I've sat in one for a couple of minutes and that's about it! 169144-ok.gif

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[ QUOTE ]

If you don't mind me asking what sort of cost would a car of that nature be for CO2 Emissions

[/ QUOTE ]

FWD is about £200pm, 4WD is about £254 169144-ok.gif

Forgot to mention the A43.0TDI quattro is an option but only in SE spec.

Thanks for the replies so far guys 169144-ok.gif

edited to add - sorry hadn't seen Milo's post!

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Purely for personal reasons, if I was buying an A4 I would go for the s-line every time. They look a lot better in my opinion with lowered suspension, bigger/nicer wheels and the side flares.

The 3.0 Tdi will be very quick mind; how does it compare on tax?

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Isn't that quite an expensive way of doing things e.g.

Contract hire of an Audi (http://www.prestige-car-leasing.co.uk/car_leasing/audi/a4_saloon/2.0_t_fsi_quattro_s_line/)

= £412.00 -

CO2 Emissions payed by the individual = ~ £281.25

(Make a not that tese prices are for the 200 bhp version for the contract hire so it will be slightly more for the 220 special edition

Total = £693.25

Payed between the company and the individual.(you could get an S4 for that - even verging towards RS4 territory)

Would it not be cheaper for the individual to take out a personal contract plan i.e.

Same Audi A4 2.0 T Quattro S Line

http://www.prestige-car-leasing.co.uk/car_leasing/audi/a4_saloon/2.0_t_fsi_quattro_s_line/

£484.00 per month

and get the company to contribute towards the monthly payments, say for example the £412 that it would have payed with a contract hire, hence only costing you £72 per month.

I do something like this and pay £503 for an S4, petrol card given by the company and insurance paid by the company.

Imagine what the costs would be if I was to go down the contract hire route!!!!!

Just a thought, I could be totally wrong but I am doing ok with this method and I suppose everyone's circumstances are different.

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If doesn't work like that; he'd still be liable for company car tax as it's a benefit in kind.

Even if they picked up the full £484 bill, the tax man says it's a benefit and he'll still have to pay £250+ per month BiK tax (you pay tax on the full list price of the car with all the options).

If they wanted to give the money in his pay packet they'd have to pay him £800 to leave him with £484 after tax.

Nohedes - have you considerd opting out of your scheme?

I have and managed to get a much better car for the same money. My monthly allowance is paid with my salary so you pay tax on it but you can then claim tax back on your mileage rate. Because it is your car, you then don't have to worry about company car tax i.e. emmissions, list prices etc 169144-ok.gif

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[ QUOTE ]

I do something like this and pay £503 for an S4, petrol card given by the company and insurance paid by the company.

Imagine what the costs would be if I was to go down the contract hire route!!!!!

[/ QUOTE ]

I don't want this to drift off topic because we're trying to help nohedes but if I understand you right, you could be in big trouble with the taxman blush.gif

If your company (was it the family business?) are giving you anything towards a car payment, then that is a benefit in kind and is taxable. If it's paid through salary and you pay tax on it at source then fine. But if it's a 'expenses' type payment direct into your bank account then you will be in for a whopping big tax bill if they find out.

I presume your petrol card is also for your private miles and is declared on your P11D?

If it's not I'm afraid it should be as it's a benefit in kind and on the S4, that's going to hit you hard.

For example, on a 4.2 litre engine, for 5,000 private miles a year, a 40% tax payer should be coughing up around £160 a month tax for the fuel card wink.gif

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i agree with Milo - try and opt out. I get a wadge of cash, just short of £600 per month, then taxed and NI'd on it. It isnt pensionable though.....

At present, my Audi costs me no where near that to own and run and i get 19p per business mile ontop of that, with tax-relief on the difference between that and the tax mans rates (40p for first 10k, then 25p thereafter).

I am currently using the money to get rid of some debts and cover personal fuel / car tax / insurance etc. instead of using it all on the car. This will change come my 30th birthday March next year, when i will probably buy a porsche and have to put to it a bit! 169144-ok.gif

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[ QUOTE ]

[ QUOTE ]

I do something like this and pay £503 for an S4, petrol card given by the company and insurance paid by the company.

Imagine what the costs would be if I was to go down the contract hire route!!!!!

[/ QUOTE ]

I don't want this to drift off topic because we're trying to help nohedes but if I understand you right, you could be in big trouble with the taxman blush.gif

If your company (was it the family business?) are giving you anything towards a car payment, then that is a benefit in kind and is taxable. If it's paid through salary and you pay tax on it at source then fine. But if it's a 'expenses' type payment direct into your bank account then you will be in for a whopping big tax bill if they find out.

I presume your petrol card is also for your private miles and is declared on your P11D?

If it's not I'm afraid it should be as it's a benefit in kind and on the S4, that's going to hit you hard.

For example, on a 4.2 litre engine, for 5,000 private miles a year, a 40% tax payer should be coughing up around £160 a month tax for the fuel card wink.gif

[/ QUOTE ]

Yes i get an allowance into my salary to cover the car so the dirty tax man gets his hands on some of it but regarding my personal milage I have a company PC at home and home is also classed as business therefore to get from home to work every day can be classed as business miles as I sometimes work from home as well.

I think a lot af companies are looking into persanal contributions into salaries to cover cars owned by the emplyees, the only problem comapnies might encounter is that not everyone will be able to do this, i.e employees with bad credit etc, does this mean they can't have a car etc.

I just thought it might be worth investigating to see if he can save some money by doing it the way I do

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169144-ok.gif

To leave you with £400/month though in your salary, that means paying you an extra £670/month if you pay 40% tax. That's a lot more than most schemes pay.

Unless someone does 25k+ miles a year, I would encourage anyone to look very hard into opting out which is in effect, the same as you've done 169144-ok.gif

The company pay an amount into your salary which is taxed but then you can claim tax back on the mileage rates as per Avant_B6_130's description. Add to that you no longer have to pay company car tax (which is a rip off), and you end up with a tidy sum to spend 169144-ok.gif

Anyway, is it going to be an A4 or an A6 nohedes?

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I have to eat my hat when I say this, but seriously consider the oil burner. I have the 200ps 2.0T Quattro A4, and it is a very thirsty beast, urban low 20's motorway, 35mpg WITHOUT a heavy foot. As soon as you give it a bit of stick, it just burns the fuel.

Now if I had an S4, I could live with the fuel cons. cool.gif

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As it's a company car though, the fuel consumption may not make much difference. I get a much lower mileage rate for my Tdi than I will for the 220PS 2.0T so all things considered, it's only going to cost me maybe £150/year more to run the 2.0T Quattro than the 2WD Tdi 169144-ok.gif

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I agree, a favourable mileage claim rate could make a difference, I also have mine as a company car, but compared to others (in my company) with the 2.0 TDI and the 3.0 TDI, it costs me more, quite a bit more. I love my A4, but the 360-380 miles per tank is not fun, even my Vauxhall Zafira (1.8 petrol) was more economical!

My next A4 will be 3.0 TDI Quattro Cab, or whatever equiv they have in just under 3 years time...

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Thanks for all the advice guys, sorry haven't been on the thread - been out test-driving this weekend jump.gif

My company's opt-out scheme is very complicated and seems to be designed to make sure any benefit to opting out is taken by the company mad.gif My current car (Vauxhall Signum smashfreakB.gif) is not quite two years old and has done 65k miles and 5 sets of front tyres so I'm also a bit nervous of depreciation/running costs etc. I'm going to give the A6 2.7TDI a try as well, although Audi's free SatNav offer doesn't apply to 6cyl cars I think confused.gif

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