Drive Smarter with Autora
Most people don’t need - or use - a car 365 days a year. Yet traditional ownership models force you to pay for 100% of a vehicle, along with 100% of the insurance, tax, maintenance, depreciation, and parking that come with it.
Autora works differently
Instead of buying the whole car, you purchase an ownership stake that reflects how much you actually use a vehicle (around 36-40 days per year for most drivers). You keep the benefits of real ownership, but only pay for the portion you truly need.
This page compares Autora’s co-ownership model with all the major alternatives - PCP, PCH/Leasing, Hire Purchase, Outright Purchase, traditional rental, and peer-to-peer car sharing - using the same premium example vehicle. We break down every cost: insurance, tax, parking, maintenance, depreciation, usage, and the overall 5-year financial impact.
Equivalent to just £106 per month (vs £1,191 with PCP)
* Based on an Audi Q7 in Central London. Costs include insurance, tax, maintenance, parking, and usage fees where applicable.
The True Cost of Car Ownership
The average UK driver owns a vehicle for 5 years before selling or upgrading. Here's how Autora compares to traditional ownership models over this typical ownership period.
* Based on an Audi Q7 in Central London. Costs include insurance, tax, maintenance, parking, and usage fees where applicable.
Why Autora's the Future
Smart co-ownership that combines the best of ownership with the flexibility of rental
Pay only for your stake's value but enjoy all the benefits of premium car ownership. Insurance, maintenance, and parking costs are pooled across all co-owners.
Unlike rentals or leases, your stake retains value. After 5 years, you keep the vehicle's equity that you can sell or reinvest.
No surprise repair bills or service scheduling headaches. All maintenance, MOTs, and consumables are managed and included in your low monthly cost.
Drive luxury cars without the luxury price tag. Access premium brands at a fraction of traditional ownership costs.
Car depreciation is one of the biggest ownership costs. With Autora, you only bear your stake's depreciation, not the full 100%.
Need more access? Buy additional stakes. Want to reduce or exit? Sell some or all of your position anytime. True flexibility without long-term commitment.
Full Cost Breakdown
See exactly where your money goes with each ownership model
| Cost Category | PCP | Autora |
|---|---|---|
| ACQUISITION | ||
| Vehicle Purchase Price | — | £5,617 |
| Deposit | £14,842 | £624 |
| Monthly Payments (5yr total) | £37,200 | — |
| Registration Fee | — | £500 |
| INSURANCE & PROTECTION | ||
| Insurance (5 years) | £6,500 | £650 |
| Breakdown Cover (5 years) | £475 | — |
| Excess/Damage Protection | £750 | — |
| TAX & REGISTRATION | ||
| Vehicle Tax/VED (5 years) | £2,750 | £275 |
| SERVICING & MAINTENANCE | ||
| Services (5 years) | — | £133 |
| Consumables (5 years) | — | £319 |
| MOT Tests (5 years) | — | £17 |
| PARKING | ||
| Private Parking (5 years) | £8,940 | £894 |
| USAGE & RENTAL COSTS | ||
| Usage-based Costs (5 years) | — | — |
| DEPRECIATION & RESIDUAL VALUE | ||
| Depreciation Loss (5 years) | — | £3,564 |
| Cash from Sale (after 5 years) | — | -£2,677 |
| TOTAL 5-YEAR NET COST | £71,457 | £6,352 |
| MONTHLY EQUIVALENT | £1,191 | £106 |
| Cost Category | PCP | Outright | PCH Lease | Hire Purchase | Turo (P2P) | Zipcar | Rental | Autora |
|---|---|---|---|---|---|---|---|---|
| ACQUISITION | ||||||||
| Vehicle Purchase Price | — | £62,409 | — | — | — | — | — | £5,617 |
| Deposit | £14,842 | — | — | £6,241 | — | — | — | £624 |
| Monthly Payments (5yr total) | £37,200 | — | £40,800 | £29,100 | — | — | — | — |
| Registration Fee | — | — | — | — | — | — | — | £500 |
| INSURANCE & PROTECTION | ||||||||
| Insurance (5 years) | £6,500 | £6,500 | — | £6,500 | — | — | — | £650 |
| Breakdown Cover (5 years) | £475 | £475 | — | £475 | — | — | — | — |
| Excess/Damage Protection | £750 | — | — | — | £1,000 | £180 | opt | — |
| TAX & REGISTRATION | ||||||||
| Vehicle Tax/VED (5 years) | £2,750 | £2,750 | — | £2,750 | — | — | — | £275 |
| SERVICING & MAINTENANCE | ||||||||
| Services (5 years) | — | £1,325 | — | £1,325 | — | — | — | £133 |
| Consumables (5 years) | — | £3,185 | — | £3,185 | — | — | — | £319 |
| MOT Tests (5 years) | — | £165 | — | £165 | — | — | — | £17 |
| PARKING | ||||||||
| Private Parking (5 years) | £8,940 | £8,940 | £8,940 | £8,940 | — | — | — | £894 |
| USAGE & RENTAL COSTS | ||||||||
| Usage-based Costs (5 years) | — | — | — | — | £24,090 | £16,972 | £8,212.50 | — |
| DEPRECIATION & RESIDUAL VALUE | ||||||||
| Depreciation Loss (5 years) | — | £35,637 | — | £35,637 | — | — | — | £3,564 |
| Cash from Sale (after 5 years) | — | -£26,772 | — | -£26,772 | — | — | — | -£2,677 |
| TOTAL 5-YEAR NET COST | £71,457 | £58,977 | £49,740 | £31,909 | £25,090 | £17,152.00 | £8,212.50 | £6,352 |
| MONTHLY EQUIVALENT | £1,191 | £983 | £829 | £532 | £418 | £286 | £137 | £106 |
* All figures based on an Audi Q7 in Central London over a 5-year period. Negative values in "Cash from Sale" represent residual value recovered.
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