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Buying a car during the coronavirus outbreak

The coronavirus (COVID-19) outbreak is a difficult and challenging time, but there are many people out there in need of a new car. This guide will give you what you need to consider if you are planning on buying or selling a car now, including all the information you need to know about how car-buying is affected during the latest restrictions. 

Latest Coronavirus car-buying news – updated January 13th

Tightening lockdown restrictions in Scotland will be introduced from January 16th, which will halt ‘click-and-collect’ services offered by non-essential businesses. It isn’t yet certain whether this extra measure will affect car dealerships.

Are car dealerships allowed to open?

Tighter restrictions came into force on January 5th across the UK. These only permit ‘essential’ businesses to stay open to the public. The government has classed car dealerships as ‘non-essential’ and, as a result, they must close their doors – just as they did in March 2020.

You will still be able to buy a new car, although you will have to purchase it remotely from a dealer offering click-and-collect, or home-delivery services.

Dealerships are currently offering these services in England and Wales, but new rules coming into force in Scotland on 16th of January will prevent all non-essential shops from offering click-and-collect services. It isn’t yet clear whether this will affect car dealerships.

Dealerships in Northern Ireland had to close to the public on December 26th 2020. They aren’t expected to open until mid-February 2021, and they’re unable to offer click-and-collect services in the meantime.

Showrooms across the rest of the UK will be closed but service departments will still be able to offer MoT tests, car servicing and repairs – these are classed as essential services and are allowed to continue under new lockdown conditions. There are no current plans to introduce an MoT test extension for drivers whose cars require a test during this new lockdown period.

Remote buying and contactless delivery

carwow has launched remote-buying features to help you buy a car without leaving your home. When looking at offers from dealers, you can see which dealerships are offering the ability to purchase 100% remotely and keep an eye out for the banners showing you which dealers are offering disinfected delivery and ‘click-and-collect’ type handovers.

Can I test drive a car?

Car dealerships aren’t able to offer test-drives under the new lockdown restrictions. However, most dealers in England and Wales are still able to offer online-only car buying and contactless delivery. This means you’ll still be able to buy a car, just not test drive it first. If that sounds like you, here are our recommendations:

1) Watch our video reviews
Mat Watson really gets under the skin of a car to show what’s good, what’s not so good, and offers his opinion on whether you should avoid it, consider it, shortlist it or go ahead and buy it. Just find the car review you’re interested in and watch the video.

2) Compare cars side by side
Our compare cars tool shows you all the information on the car’s spec and performance to help you decide if it’s right for you.

3) See who offers video calls
When you receive offers from our trusted dealers you will be able to see which offer a ‘Video Calls’ service, and some of these dealers will be able to offer video ‘walkarounds’ of the car you are interested in. This is a virtual tour where the dealer will take a live video around the car, and be able to answer any questions you may have – all while you watch from the comfort of your home.

Will my new car be delayed by coronavirus?

There is the possibility that new car deliveries will be delayed because of the coronavirus pandemic. If you are concerned about the delivery of your new car, talk to your dealer to get the latest information. We have estimates of delivery times – ie how long a new car could take from being ordered to being delivered. Click the link below for our guide.

 

Even if you’ve already ordered a new car, there may be delays in delivering it to your chosen dealership as logistics companies take extra precautions to protect their staff.

If you’re looking for a car that can be delivered sooner, check out the latest in-stock cars available from carwow dealers. These cars might not come in the exact specification you’re after (they may be painted a different colour or come with a few extra options) but they’re in-stock and ready for delivery now. Configure your chosen car now to see which in-stock cars are available.

Is it safe to buy a used car?

Besides those in Northern Ireland, most dealerships will offer the same click and collect and contactless delivery for used cars that they do for brand-new models. Although, tightening restrictions in Scotland could see click-and-collect sales being halted from January 16th. 

The trusted dealers on carwow will ensure that all their stock – new and used cars – will undergo a thorough cleaning process before they’re delivered. They have the resource and staff to do this properly. This might not be the case if you’re buying a used car from a private seller, especially if the car’s still in regular use. Tap the button below to see used cars from these trusted dealers. 

If you need to buy a replacement car privately, you are still permitted to travel to collect it under the current lockdown restrictions. However, you must only do so if travelling by car is an essential part of your work and you should aim to stay as close to your home address as possible. Merely spotting a second-hand bargain isn’t a good enough reason – one driver received a court summons after being stopped by police on their way back from collecting a new car from a private sale.

Will there be better deals on new cars? 

If you’re planning on paying for your new car monthly (using HP or PCP finance deals), the amount you pay is affected by interest rates – including the Bank of England Base Rate. This is extremely low at the moment, so you may find some dealerships are offering slightly cheaper deals on new cars as a result. 

I’ve bought a car on finance – what happens if I don’t get paid?

You may find your financial situation changes as the coronavirus situation continues to develop. It’s advisable to keep a close eye on your outgoings, including car finance payments, to make sure you don’t fall behind. If you’re concerned about upcoming payments, don’t ignore it – contact your finance provider immediately.

These firms are often separate from the dealership that sold you your car, but you’ll find their contact details on the documents outlining your finance agreement.

The Finance and Leasing Association advises customers to “contact their lender as soon as possible if they anticipate problems – they’re there to help. The type of assistance will likely vary depending on the customer’s circumstances, but starting the conversation is key”.

READ THIS: Coronavirus and car payments

I have a PCP agreement – what are my final payment options?

If you’ve financed your new car using a PCP (Personal Contract Purchase) agreement, you’ll be given the choice of returning your car when your agreement ends or making an optional final payment if you’d prefer to keep it. You’re still entitled to choose from the two options outlined in your original finance agreement, even if your finance term ends while the country’s in lockdown.

The Finance and Leasing Association states that “the abiding principle has to be that customers are able to choose the option that best suits their circumstances”. They advise that you should contact your finance provider to discuss your options if you’re unsure about any aspect of your agreement.

Some finance companies are offering to extend personal finance agreements, allowing you to continue to pay the original monthly amount even after the initial contract period has expired, to allow you to retain your car during the coronavirus outbreak. In these instances, should you wish to pay the optional final payment to keep your car indefinitely, this amount would be reduced to account for the additional payments you’ve already made.

You should contact your finance company and ask for more details if you’re interested in doing this. It’s worth noting that not all finance companies are offering this extended agreement option, however.