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sjak92 last won the day on March 6

sjak92 had the most liked content!

About sjak92

  • Rank
  • Birthday 03/29/1992

Profile Information

  • Gender
  • Location
  • Interests
    Cars, football, travelling.
  • Occupation
    Legal Professional


  • Garage
    2017 BMW 520d M Sport - 2018 Mini Cooper S Clubman in Pepper White (Wife's Car)

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1,177 profile views
  1. sjak92

    Anybody Planning to keep G30 52OD long term?

    Leasing will not get you away from the road tax. £450 a month will get you much more than the base £36k 520d. I pay £9 a month more, but like I said, my car list would be £46k. And mines on the original 3.9% APR
  2. sjak92

    Anybody Planning to keep G30 52OD long term?

    Never said I’d do that. If you don’t want high risk, go for property for example
  3. sjak92

    G31 - what gear?!

    Knock over the gearbox lever into sports (will limit you to 7 gears in that setting) or go into full manual from there Using the lever again or the paddles. But it what’s the point in doing that apart from the odd occasion?
  4. sjak92

    Anybody Planning to keep G30 52OD long term?

    Mines on a PCP - this has been discussed many times before already - but unless you plan to keep a car forever, I see no point in dropping £46k into a depreciating asset, rather get a discount, spread it over 3/4 years and then jump into the next best thing. Money makes money. Dropping cash money into a car is a pointless concept in my opinion.
  5. sjak92

    Anybody Planning to keep G30 52OD long term?

    Define long term? i personally will not keep it a day longer than the 30 year warranty so 30 June 2018 will be the last possible day that I will own it. As lovely as the car is, considering I’ve already had the headlight changed (non warranty cost would have been £2k+) steering wheel and a software update, I dread owning it outside of warranty
  6. There is also a scam where people "make" money on cars being stolen/written off. This is based on Return to Invoice Gap. Say you own a £45k vehicle based on invoice price. After your discounts and deposit, say the price for the car is £38k. You drive the vehicle for 3 years, it is then written off/stolen. You get a payout from your insurers which will cover trade value most often, say £21k. This will probably leave you with a shortfall to pay off for the finance (as if you were buyin the vehicle outright) £25k for example. RTI Gap steps in, covers the shortfall and pays out over and above, returning you to invoice money, so you get a further £24k less any difference between insurance payout and finance pay off. Obviously your pay out cannot be higher than the maximum insured loss you agreed to originally.
  7. sjak92

    G30 520d vs F10?

    More Importantly, the S90's residuals are appalling. I think its a great car, and the XC90 is class leading IMO, however, they are both priced pretty much the same as their German counterparts (only about £600/£700) difference between a base 5 series diesel and S90 diesel. But, a less than year old S90 in top trim level can be gotten for under £25k? They are superb value second hand (especially as Volvo often does 0% APR deal on USED cars - brilliant concept) but i dont think I would risk one new. The monthly payments would be high or youd almost always risk being in negative equity upon return. And yes, the rear of the S90 is a bit Marmite. I think it looks OK in that rip off version of Estoril Blue but the V90 is a very handsome car indeed.
  8. sjak92


    Now that everything is (almost) at a happy ending, can I joke about the forensics looking something like this:
  9. sjak92

    Insurance on 520d

    That's a big ask at 20! You will pay a lot for insurance no matter what, a 320d would be considerably less to insure. The 5 will always carry a premium. My First 5 series was a two year old 520d two and a half years ago so at the age of 23. had 2 years NCD and insured at £800 a year. My current G30 was £600 a year when bought new last year at the age of 25. As mentioned above, Chris Knott does great prices
  10. sjak92

    Icon lights failing?

    Car is back, everything working o-ok!
  11. sjak92

    Service notifications

    Thats putting the car into diagnostic mode. I dont think you want to be messing with that and resetting your service intervals on your own whilst car is still under warranty?
  12. sjak92

    Service notifications

    Nope, will stay there until its done. If you have a service pack, it can be done as soon as the counter dips below 1000 miles
  13. sjak92

    Light Switch Settings

    Light switch on “0” will mean lights will never come on unless ignition is on. I.e when you open doors, lights will stay off etc etc. Can be coded to be completely off however.or if you want to run on the DRL only, switch to the next position up.
  14. sjak92

    Time to Change the Company Car

    That makes sense, but apparently each light has 4 control units and BMW Germany suggested to start with those - I guess they are cheaper than the light unit itself
  15. sjak92

    Time to Change the Company Car

    Knock on wood but we live in a top floor apartment, allocated parking and a constabt CCTV fred onto my parking space so it’s hard to distinguish which place belongs to who without putting a real effort into research. That + the extra pair of doors and a “superb” guard dog in the form of a 9 month old beagle let’s me sleep easy haha