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
Apr 11, 2022

A Just Add Fuel deal could be a great way for you to pay for your next car if you're trying to simplify your finances. The idea is that you consolidate the majority of expense that comes from driving a car into a single monthly payment, allowing for a predictable and convenient way to pay for your running costs.

Much like the various car finance options available, Just Add Fuel is a great way to bypass the need to shell out thousands of pounds in cash to buy a new car. You can split that one large cost into smaller and more affordable chunks, but where car finance generally only covers the cost of the car itself; a Just Add Fuel deal includes a whole load else besides.

The payments for these special deals can also include car insurance, road tax, servicing and breakdown cover, so you'll have everything you need to drive the car paid for in one easy step. This makes your own admin much simpler, rather than having to shop around for the best insurance quote and fill in tax forms, all you have to do is make sure you can pay your monthly bill.

There are some drawbacks to Just Add Fuel, though. Just like with standard car finance, you won't be the registered owner of the car while you're completing the monthly payments, you'll technically be borrowing the car from the dealer. In some cases, such as with Peugeot Just Add Fuel, you can opt to buy the car outright once all of your payments are made, by paying what's called the balloon payment, or optional final payment.

If, however, convenience and simplicity are your main goals when it comes to your next car purchase, a Just Add Fuel deal is about as straightforward as it gets. Read on for more details on the various options available now.

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 and their hassle-free nature. Most are available to drivers from the age of 18, but under-21s must often 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 these sorts of deals that are offered by other car manufacturers. Just Add Fuel is available on all models in the Peugeot range, but 18 to 21-year-olds only have access to certain versions of the 208, 2008 and 308.

Volvo's Care By Volvo breaks away from the traditional mould that finance plans should last three or so years. The plan can be cancelled with three months' notice, and you can jump into a new car again. Be aware, you pay a premium for this over other types of finance like PCP. This - and Volkswagen's Lease&Care plan which spans a period of two to four years - does not include insurance; instead, drivers can insure separately through the respective manufacturer or a third party.

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 damage beyond '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, predictable, and easy to budget for
Fixed insurance costs (unless circumstances change)
New cars are often more affordable for young drivers

Just Add Fuel: the not-so-good

Can't shop around to find cheaper insurance quotes
Requires no-claims bonus or black box to monitor driving
Restricted to a few manufacturers, on new cars only

How much are Just Add Fuel deals?

For a small car, such as a Peugeot 108 (pictured above), you could find yourself paying less than £300 per month on a three-year, 8,000-mile-per-year deal with a deposit of around £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 £260 per month for a 25-year-old - as long as they live in a "safe" postcode. An 18-year-old might find themselves paying more than £330 in the same "safe" postcode.

Just Add Fuel deals for new drivers

The cost of insurance for new drivers, and those 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 the 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 - as well as finding the services you've cut elsewhere.

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 the 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.

Volvo's plan is a little bit different - you can cancel at any point with 3 months' notice.

Peugeot Just Add Fuel

Peugeot 208
Peugeot 308
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 208, 2008, 308, 3008, 508, 5008, Rifter, Traveller (restrictions apply for under 21s)

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. 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

The Peugeot 208 is an economical supermini, 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 dashboard-mounted touchscreen media system with Bluetooth and alloy wheels. The steering wheel is also unusually small, a design choice that's intended 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.



Care by Volvo

Volvo XC40
Volvo S60
Volvo XC90

Care by Volvo is a subscription service that allows drivers to change their cars regularly. The plan caters for those aged over 25 who have held a full UK licence for at least 12 months. Insurance is covered for the first thirty days, after which drivers can choose to pay for Volvo's insurance package, or source their own.

  • Includes servicing, tax, finance, breakdown cover, and wear and tear (including tyres)
  • Unlike PCP finance, you can return the car at any point with 3 months' notice - you can also commit to a full 36 months on the XC40 Recharge
  • Available with brand new C40, XC40, XC60, XC90, S60, S90, V60 and V90

Care by Volvo: the best deals

Volvo XC40 Care by Volvo Deal

The XC40 is Volvo's answer to the Mercedes GLA, BMW X1, Audi Q3 and Range Rover Evoque. You can personalise your XC40 with a range of two-tone colours and eye-catching alloy wheels. You can get an XC40 with a range of efficient three- and four-cylinder petrol engines, and there's even a pair of electric versions with up to 410hp. 

Entry-level Momentum models include 18-inch alloy wheels, LED headlights, a nine-inch central touchscreen with sat-nav and traffic updates, plus another 12.3-inch screen in front of the driver, displaying a digital speedometer. Other kit includes dual-zone climate control, cruise control, and plenty of safety equipment.


Volvo S60 Care by Volvo Deal

Its sleek, eye-catching design makes the S60 an attractive alternative to the BMW 3 Series, Audi A4 and Mercedes C-Class. You can have your S60 with a range of petrol engines, or a plug-in hybrid setup that replaced all diesel offerings.

The S60 comes in two flavours - Inscription and R-Design - and the amount of standard specification is high. All models get at least 18-inch alloy wheels, front and rear parking sensors, LED headlights, dual-zone climate control and a nine-inch touchscreen with digital radio and Bluetooth.



Volkswagen Lease&Care

Volkswagen ID.3
Volkswagen ID.4
Volkswagen ID.5

Volkswagen's Lease&Care plan is available to those over 18, but it's important to remember that a good credit rating will help secure any loans. There are three levels - or tiers - that drivers can choose from. 'Small' includes roadside assistance and servicing, brake fluid changes, and dust and pollen filters. Step up to 'medium', and you will also get brake, suspension and cooling system repairs, maintenance on the electric system and fluid top-ups. 'Large' includes tyre replacement and wheel alignment for wear and tear, puncture repair, and a courtesy car allowance.

  • Roadside assistance, servicing, and some fluids and parts are included at a minimum
  • PCP finance means that you can return the car or buy it for a lump sum at the end
  • Only for Volkswagen's latest electric models - ID.3, ID.4 and ID.5

Volkswagen Lease&Care

Volkswagen ID.3 Lease&Care Deals

The Beetle was one of Volkswagen's most noteworthy models until the Golf arrived, which became one of the best-selling family hatchbacks for decades. That is, until now. Volkswagen thinks the new ID.3 can be the new best-seller.

Affordable electric motoring is fast approaching, and the ID.3 is one of the models that makes this possible. Exterior dimensions are similar to a Polo, or a Golf, but thanks to clever packaging the interior offers space that rivals the much larger Passat.

Standard kit includes LED headlights, heated seats, a heated steering wheel, wireless phone charging and a 10-inch sat-nav.

Volkswagen ID.4 Lease&Care Deals

Piggy-backing on the success of the smaller ID.3, Volkswagen's ID.4 is an electric alternative to the likes of the Ford Kuga, Nissan Qashqai and Kia Sportage.

It comes with a slightly different battery offering compared with the ID.3 owing to its larger size, but standard kit is equally as strong. There's even a coupe-inspired ID.5, which will be to the ID.4 what the BMW X4 is to the X3, as well as a GTX performance model.

*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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