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All depends really...
When you part ex a car at the end of a pcp you’re not “handing it back” to the finance company so you won’t get a bill for the damage as such, they’ll just take it into account when appraising it / valuing it. If you hand it back to the finance company at the end of the agreement due to it being worth less than the GMFV / Final payment, that’s when you’re likely to get stung for any damage. Hope this makes sense
As an aside, from having sold cars for 10ish years mostly on pcp it is worrying that pretty much no one understands how they actually work!
hudsoncjnr
Question re leasing and/or PCP. My cars have a reasonably hard life, not washed very often, filthy muddy kids & the occasional dog inside, etc etc. They get driven down narrow country lanes where bushes WILL scratch the paint. How much does the condition of car matter at the end of the lease / contract hire period? I've always shied away from these deals for precisely this reason but maybe I am being overly cautious?