Volkswagen ID.3

Electric

Hatchback

Trim

Pro 58 kWh

List price: £38,645
Battery: 58 kWh
Efficiency: 4.0 mi/kWh
CO₂: 0 g/km
Insurance group: 25

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Compare ways to pay Against other cars New vs used

Typical cost by finance method

Illustrative only: uses placeholder quotes and default assumptions. Use the comparison wizard to put in your own numbers.

Cash

£6,727 per year

£561 a month · £33,633 over 5 years

Cost	Per month
Vehicle	£419
Energy / fuel	£37
Tax (VED)	£13
Insurance	£55
Breakdown cover	£5
Maintenance	£32
Total per month	£561
One-off / capital	£38,645
Total over 5 years	£33,633

Bought at 0y old for £38645
Sold after 5y for £13526

PCP

£7,181 per year

£487 a month · £21,544 over 3 years

Cost	Per month
Vehicle	£350
Energy / fuel	£37
Tax (VED)	£11
Insurance	£55
Breakdown cover	£5
Maintenance	£30
Total per month	£487
One-off / capital	£4,000
Total over 3 years	£21,544

PCP 36m @ £350/mo, £4000 deposit, £18000 GFV
If you keep the car: add £18000 balloon to TCO
Implied depreciation over hold: £20868
Warning: annual mileage 10000 exceeds PCP cap 8000

Lease (PCH)

£6,148 per year

£457 a month · £18,444 over 3 years

Cost	Per month
Vehicle	£320
Energy / fuel	£37
Tax (VED)	£11
Insurance	£55
Breakdown cover	£5
Maintenance	£30
Total per month	£457
One-off / capital	£1,980
Total over 3 years	£18,444

Lease 36m @ £320/mo, £1500 deposit
Excess mileage: 6000 mi × 8p = £480

Hire purchase

£4,198 per year

£642 a month · £20,988 over 5 years

Cost	Per month
Vehicle	£500
Energy / fuel	£37
Tax (VED)	£13
Insurance	£55
Breakdown cover	£5
Maintenance	£32
Total per month	£642
One-off / capital	£2,000
Total over 5 years	£20,988

HP 48m @ £500/mo, £2000 deposit
You own the car at the end; residual £13526 offsets cost

Salary sacrifice

£5,080 per year

£423 a month · £15,239 over 3 years

Cost	Per month
Vehicle	£387
Energy / fuel	£37
Tax (VED)	—
Insurance	—
Breakdown cover	—
Maintenance	—
BIK tax	£39
Total per month	£423
Total over 3 years	£15,239

Gross sacrifice £600/mo over 36m
BIK 3% on £38645 → £39/mo tax
Net cost £387/mo (incl BIK)
Tax/maintenance/insurance assumed bundled in sal-sac scheme