Suzuki Swift vs Toyota Yaris: Which Small Car is the Smarter Buy in 2026?
Both the Suzuki Swift and the Toyota Yaris are small cars that prioritise efficiency and ease of ownership above everything else. The Swift is the simpler, more affordable choice - a refreshingly honest car that does what it says, costs less to buy, and comes loaded with standard equipment that rivals charge extra for. The Yaris is the more sophisticated option - a full self-charging hybrid with 25 years of powertrain development behind it, a reliability record matched by no rival, and a warranty extendable to 10 years.
The question is not which car is better on paper. It is which one makes more sense for a buyer who will drive it for the next four or five years and wants to be confident in that decision.
This guide works through the real questions buyers ask when comparing these two cars - honestly, without dismissing either. Both are available through Motor Source Group with exclusive discounts for NHS staff, Blue Light Card holders, Armed Forces, Police, Teachers and more. Not sure which type of car suits your needs? Our guide on how to decide which car is right for you is worth reading before you commit.
2026 UK Specifications at a Glance
Suzuki Swift - 1.2 Mild Hybrid Motion 5dr
UK RRP£19,999
You Save£3,060
Motor Source Price£16,939
See detailsToyota Yaris - 1.5 Hybrid Design 5dr CVT
UK RRP£24,910
You Save£3,173
Motor Source Price£21,737
See details| SPECIFICATION | SUZUKI SWIFT 2026 | TOYOTA YARIS 2026 |
|---|
| MSG entry price | £16,939 | £21,737 |
| Hybrid type | 48V mild hybrid (no EV-only mode) | Full self-charging hybrid |
| Official fuel economy | 57.6 to 64.2 mpg | 67.3 to 70.6 mpg |
| Power output | 82hp | 115hp or 130hp |
| 0–62mph | 11.9 to 13.6 sec | 9.7 to 10.9 sec |
| Boot space | 265 litres | 286 litres |
| CO2 emissions | 99 to 110g/km | 91 to 99g/km |
| Euro NCAP | 3 stars (2024) | 5 stars |
| Standard warranty | 3yr + up to 7yr service-linked | 3yr + up to 10yr service-linked |
| Physical climate controls | Yes - dedicated switches | Yes - climate control |
| AWD option | Yes - ALLGRIP trim | No |
The Swift costs £4,800 less and keeps things refreshingly simple. The Yaris is more sophisticated, more economical in town, and better covered for long-term ownership. The right car depends on whether simplicity and value or long-term confidence and efficiency matter most to you.
Motor Source GroupHow to Use This Guide
Both cars share similar dimensions and a similar mission, but their approach to it is quite different. The Swift uses a simpler 48V mild hybrid system that improves efficiency without the complexity of a full hybrid - no EV-only mode, no large battery to manage, no additional ownership variables. The Yaris uses a full self-charging hybrid that gives it a genuine economy advantage in town and a longer, more comprehensive warranty. Each scenario below addresses a real question buyers ask when choosing between them.
Scenario 01
Purchase Price and Upfront Value
The £4,800 gap between these two cars is the most immediate difference. What that gap buys in each direction is the first question to answer.
SUZUKI SWIFT
The Swift Motion enters at £16,939 through Motor Source - saving £3,060 on the £19,999 RRP. That £16,939 buys adaptive cruise control, heated seats, keyless entry, a reversing camera and rear parking sensors as standard. In most small car comparisons, this level of standard equipment at this price is genuinely unusual.
Motor Source customers who have chosen the Swift frequently comment that the standard equipment list was a deciding factor - they expected to pay extra for heated seats and cruise control and were surprised to find both included at entry level. For buyers working within a tighter budget, this is a strong starting point.
TOYOTA YARIS
The Yaris starts at £21,737 through Motor Source - saving £3,173 on the £24,910 RRP. The extra £4,800 over the Swift buys a full self-charging hybrid system, higher official fuel economy figures, a better Euro NCAP rating and a warranty extendable to 10 years rather than seven.
For buyers who plan to keep the car for five or more years, that premium begins to pay back through lower running costs and broader long-term cover. For buyers on a three-year cycle, the Swift's lower entry price and strong standard equipment make it a harder case to dismiss.
Edge: Suzuki Swift on upfront price - £4,798 less with comparable standard equipment at entry level. For short-cycle buyers the Swift is the clear value answer. For five-year owners the Yaris cost gap begins to close through running cost savings.
Scenario 02
Fuel Economy and Hybrid Technology
Both cars are hybrids, but they use very different systems. Understanding the difference shapes the running cost picture for the full ownership period.
SUZUKI SWIFT
The Swift uses a 48V mild hybrid system - essentially an advanced start-stop that recovers braking energy to assist the petrol engine. It cannot drive on electric power alone. Official figures are 57.6 to 64.2 mpg, and Motor Source customers report that 60 mpg is genuinely achievable in everyday mixed driving.
For buyers who do most of their miles on A-roads and motorways, the mild hybrid system is well-suited - it delivers its efficiency benefit consistently across all driving types rather than relying on stop-start urban conditions to charge a battery. CO2 from 99g/km keeps both VED and company car BIK in a low bracket.
TOYOTA YARIS
The Yaris uses a full self-charging hybrid - it can drive on electric power alone at low speeds and manages its battery entirely automatically. Official figures are 67.3 to 70.6 mpg, and in real-world town driving the economy advantage over the Swift is consistent. Toyota claims 80% of urban trips are completed on electric power alone.
CO2 from 91g/km is lower than the Swift's, giving it the better company car BIK position of the two. For urban commuters the Yaris full hybrid system delivers a genuinely material fuel saving over the Swift's mild hybrid across a full year of ownership.
Edge: Toyota Yaris for urban drivers - the full hybrid delivers a consistent town economy advantage over the Swift mild hybrid. For mixed and motorway use the gap narrows and the Swift's simpler system has its own appeal.
Scenario 03
Reliability and Long-Term Ownership Confidence
Both brands carry a strong reliability reputation. The question is which one carries more evidential weight for a buyer planning to keep their car past year five.
SUZUKI SWIFT
Suzuki has a long-standing reputation as a builder of dependable workhorses. Motor Source customers who have bought the Swift consistently describe it as an honest, uncomplicated car that simply gets on with the job without fuss. High-mileage examples are a regular topic of conversation in the customer community, with one well-documented car reaching over 300,000km.
The mild hybrid system is mechanically simpler than the Yaris full hybrid - fewer battery management variables, no EV mode to maintain. For buyers who value mechanical simplicity as a proxy for long-term reliability, this is a genuine advantage. The standard warranty extends to seven years with Suzuki dealer servicing.
TOYOTA YARIS
The Yaris ranks 4th out of 50 new cars in the 2025 What Car? Driver Power reliability survey. Toyota's hybrid system has been in production for over 25 years and is consistently documented running reliably past 200,000 miles. Motor Source customers who have owned the Yaris long-term describe it as a car that rarely gives cause for concern across the full ownership period.
The 10-year service-linked warranty is the longest available on any small car in the UK. The minor issues reported by Motor Source Yaris customers relate to 12V battery management on some 2023-24 models and wireless CarPlay compatibility on specific multimedia units - not the hybrid drivetrain itself.
Edge: Toyota Yaris on surveyed reliability and warranty length. Both brands are dependable - but Toyota's 4th of 50 ranking and 10-year warranty extension give it a stronger evidential base for buyers planning long ownership.
Scenario 04
Safety Ratings and Standard Safety Equipment
Euro NCAP ratings for these two cars diverge sharply. For buyers who prioritise crash protection, this scenario carries significant weight.
SUZUKI SWIFT
The Swift received a three-star Euro NCAP rating in its 2024 assessment. The primary reason was the absence of advanced driver monitoring systems rather than any failure in occupant protection itself - the Swift scored well for actual crash protection. However, three stars is a factual and meaningful gap versus the Yaris five-star rating.
Standard safety equipment on the Motion trim is strong for its class: lane keep assist, rear cross-traffic alert, autonomous emergency braking and a reversing camera are all included. The NCAP penalty reflects system monitoring requirements rather than a failure in core crash protection.
TOYOTA YARIS
The Yaris holds a five-star Euro NCAP rating. Adaptive cruise control, lane-keeping assist, pre-collision system with pedestrian and cyclist detection, and a centre airbag between the front seats are standard across every trim from entry level. Toyota describes it as one of the world's safest compact cars.
For buyers with families, for whom safety rating is a primary filter, or for employers specifying fleet cars with duty-of-care obligations, the five-star rating and standard centre airbag are advantages that the Swift cannot match at any trim level.
Edge: Toyota Yaris - clearly. Five stars vs three stars. The gap reflects monitoring system requirements rather than occupant protection failure, but the rating difference is real and matters for buyers for whom NCAP is a filter.
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Scenario 05
Driving Dynamics and Urban Usability
Both cars are small and light. The difference in how they feel to drive is more pronounced than the spec sheets suggest.
SUZUKI SWIFT
The Swift is widely described as "sweet to drive" and "good fun to fling around corners." Its low weight, direct steering and minimal body roll give it a lively, engaging character that most small cars in this price bracket cannot match. Motor Source customers who buy it as a city car consistently remark on how easy it is to place on the road and how little effort it asks of the driver.
The large windows provide excellent all-round visibility. The tight turning circle makes U-turns and manoeuvring in tight spaces genuinely easy. Physical climate switches mean adjusting temperature requires no screen interaction. These daily usability advantages are consistent and significant for urban drivers.
TOYOTA YARIS
The Yaris is also described as "good fun to drive" - its shorter wheelbase gives it a nimble, pointy feel that independent reviewers praise as unusual for an economy hybrid. Sharp steering and balanced suspension distinguish it from the average small car. The smooth, stepless CVT makes it effortless in town.
The Yaris hybrid system is notably quiet in urban conditions - at low speeds the electric motor is dominant and the petrol engine is often absent. Motor Source customers who commute in cities report that the near-silent pull from junctions is one of the most appreciated day-to-day qualities of the car.
Edge: Draw - both are genuinely fun small cars by the standards of this class. The Swift has more tactile driving engagement; the Yaris is quieter and smoother in town. Use-case preference decides this one.
Scenario 06
Warranty and Long-Term Peace of Mind
Both cars offer service-linked warranty extensions beyond the standard three years. The ceiling is different, and for long-term owners it matters.
SUZUKI SWIFT
The Swift carries a standard 3-year warranty extendable to 7 years or 100,000 miles with annual Suzuki dealer servicing. This is a strong warranty by the standards of the small car class - significantly better than the European mainstream 3-year limit. Motor Source customers who have explored this scheme appreciate that it brings meaningful long-term cover at a lower annual service cost than Toyota's equivalent scheme.
Seven years of cover eliminates the most anxiety-inducing ownership window for most buyers. For anyone planning to own the Swift for five to six years, the extension provides genuine peace of mind without requiring a trip to an expensive main dealer at every service interval.
TOYOTA YARIS
The Yaris warranty extends to 10 years or 100,000 miles with annual Toyota dealer servicing - three years longer than the Swift's ceiling. The hybrid battery is separately covered. No other small car in the UK offers a comparable warranty structure. For anyone planning to own past year seven, the Yaris is the only car in this class with structured cover for that period.
Motor Source customers who buy the Yaris as a long-term car consistently cite the 10-year warranty extension as one of the primary reasons for their decision - it removes the financial anxiety of ownership at a stage where most other cars are entirely out of cover.
Edge: Toyota Yaris on warranty ceiling - 10 years vs 7 years. Both beat the European mainstream standard. For owners planning to keep past year seven, the Yaris is the only structured option. For year five or six ownership, both are comparable.
Scenario 07
Interior Quality and Passenger Space
At this price point, interior quality is a realistic trade-off. What each car offers in cabin space and material quality shapes daily satisfaction.
SUZUKI SWIFT
The Swift interior uses some cheap and scratchy plastics on lower surfaces - reviewers are consistent on this point and Motor Source customers confirm it. The honest caveat is that it is also described as "suitably solid" and built to last. The interior looks like what it costs, but it does not feel fragile or poorly assembled.
What surprises buyers is the rear passenger space. The boxy design provides significantly more headroom and legroom than the exterior dimensions suggest - Motor Source customers who test the Swift back-to-back against the Yaris and Renault Clio consistently remark that the rear seat comfort exceeds both rivals. Four adults genuinely fit.
TOYOTA YARIS
The Yaris interior is consistently described as "dour," "dark" and "dingy" in independent reviews. Build quality is high and materials are durable, but the cabin lacks visual appeal at a price point where buyers reasonably expect more. Motor Source customers who have owned the Yaris long-term note that plastics and soft trim show wear under heavy family use.
Rear passenger space is more limited than the Swift's - the Yaris rear seat is adequate for children and shorter adults but cramped for tall passengers. Both cars have this class limitation, but the Swift's boxy proportions give it a genuine rear seat advantage over the lower-roofed Yaris.
Edge: Suzuki Swift for rear passenger space - the boxy design delivers noticeably more headroom and legroom than the Yaris. On interior material quality both have limitations at this price, with the Swift more honest about it.
Scenario 08
Boot Space and Everyday Practicality
Both cars have small boots by class standards. Knowing the numbers before the test drive avoids a late-stage disappointment.
SUZUKI SWIFT
The Swift boot is 265 litres - the smaller of the two. To give context, that is 115 litres less than a Skoda Fabia. For solo drivers or couples using the car primarily for commuting and light shopping, 265 litres is workable. For anyone regularly carrying bulky items, a buggy or a full weekly shop for a family, it is a genuine limitation.
The trade-off is rear passenger space, which is better in the Swift than any rival at this price point. The space that the Fabia or Yaris puts in the boot, the Swift redistributes to rear seat occupants. Buyers need to decide which compromise suits their actual usage.
TOYOTA YARIS
The Yaris boot is 286 litres - 21 litres more than the Swift, but still small by class standards. Toyota engineers the space well and five carry-on suitcases fit with the seats up, but it is the smallest boot in the hybrid small car class. For most solo commuters and couples it is sufficient; for families loading regularly it asks for compromises.
The Yaris does not trade that marginal boot advantage for rear seat space in the same way the Swift does. Buyers who carry equipment but not rear passengers will find the Yaris boot slightly more practical. Buyers who regularly carry rear passengers will likely find the Swift rear seat more comfortable.
Edge: Toyota Yaris on raw boot volume - 286L vs 265L. But both are small. The Swift trades boot space for rear passenger room. Which compromise fits your life is the practical question to answer on the test drive.
Scenario 09
Insurance, Running Costs and First-Car Suitability
Insurance groups, VED and service costs shape the full annual ownership bill beyond the purchase price. For first-time buyers in particular, this calculation can override every other factor.
SUZUKI SWIFT
Motor Source customers who are first-time buyers or younger drivers flag insurance costs as a significant concern with the newer Swift models - particularly the 2017-onwards 1.2L Dualjet engine, which sits in higher insurance groups than buyers expect for a car of this size and price. This is a specific and documented concern in our customer community worth investigating before purchase.
On all other running cost metrics the Swift is strong: low VED, straightforward servicing, no complex hybrid battery to maintain long-term. For buyers with access to favourable insurance premiums (typically older drivers or those with named driver history), the Swift is an economical choice across every running cost dimension.
TOYOTA YARIS
The Yaris tends to sit in lower insurance groups than the Swift despite its higher purchase price - the lower-powered hybrid drivetrain and Toyota's safety technology suite both contribute to this. For younger drivers where insurance is the dominant annual cost, the Yaris can produce a lower total ownership bill than the cheaper Swift, particularly in the first two years.
CO2 from 91g/km gives it the lower VED band of the two. For company car drivers, the lower CO2 also produces a better BIK rate than the Swift's 99g/km baseline. Obtain insurance quotes for both before making a final decision - the Swift insurance premium can significantly alter the total cost comparison.
Edge: Toyota Yaris for younger drivers and company car users - lower insurance groups and lower CO2 can offset the higher purchase price in year one. Always obtain insurance quotes for both before deciding - the Swift premium can change the calculation entirely.
Scenario 10
Simplicity vs Sophistication: The Real Choice
The fundamental difference between these two cars is not a spec list comparison. It is a question of what kind of ownership experience you want.
SUZUKI SWIFT
The Swift is a refreshingly honest car. It does not pretend to be more than it is. The mild hybrid system is less complex than the Yaris full hybrid, the interior is functional rather than aspirational, and the pricing reflects what it is. In an era where small cars are becoming increasingly complicated and expensive, the Swift's straightforward approach is a genuine selling point.
Motor Source customers who have chosen the Swift over more sophisticated alternatives often describe the decision in the same terms - they wanted a car that would just get on with it, cost less to buy, and not ask them to manage complexity. For this type of buyer, the Swift is exactly the right answer.
TOYOTA YARIS
The Yaris is a more sophisticated car that manages its own complexity invisibly. The full hybrid system requires nothing of the driver - it charges itself, manages its own battery and delivers its economy benefit without any input. The sophistication is entirely behind the scenes.
Motor Source customers who value long-term confidence choose the Yaris precisely because it asks nothing extra of them while delivering more over the full ownership period. The extra £4,800 buys a car that is objectively better covered, more economical in town, and more completely protected across a long ownership period - without adding any management complexity to daily life.
Edge: Personal preference - both approaches are valid. The Swift's simplicity and lower price are genuine virtues. The Yaris's sophistication is entirely invisible in daily use. The right car is the one that matches the ownership experience you actually want.
Scenario Scorecard
| SCENARIO | SUZUKI SWIFT | TOYOTA YARIS |
|---|
| 01 Purchase price and upfront value | £4,798 less | Higher entry price |
| 02 Fuel economy and hybrid technology | 57.6 to 64.2 mpg | 67.3 to 70.6 mpg in town |
| 03 Reliability and long-term confidence | Strong reputation | 4th / 50 Driver Power |
| 04 Safety ratings and standard equipment | 3-star Euro NCAP | Clear edge - 5 stars |
| 05 Driving dynamics and urban usability | Draw | Draw |
| 06 Warranty and long-term peace of mind | Up to 7 years | Up to 10 years |
| 07 Interior quality and passenger space | Better rear seat room | Comparable quality |
| 08 Boot space and practicality | 265L | 286L |
| 09 Insurance, running costs and first-car | Higher insurance groups | Lower groups, better BIK |
| 10 Simplicity vs sophistication | Refreshingly simple | Sophisticated but invisible |
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The Test Drive: What to Check Specifically
Book both on the same day. These two cars are close enough in size and purpose that the differences are best felt when compared within hours of each other. The Swift's rear seat space advantage and the Yaris's in-town electric running are both things that only register clearly when you experience them back-to-back.
Seven Things to Test on the Day
1
Sit in the rear of both cars with the front seat adjusted to your own driving position. The Swift rear headroom and legroom advantage over the Yaris is immediately apparent - note whether it matters for your actual passenger use.
2
Drive both through a town centre with multiple junctions. In the Yaris, note how silently it pulls away from junctions on electric power alone. In the Swift, note that the mild hybrid contribution is less obvious - the petrol engine is present throughout.
3
Adjust the climate temperature in both cars while moving. The Swift's physical switches require no screen interaction. The Yaris climate control is also physical. Both score well here - but note the difference in control layout and which you find more intuitive.
4
Drive both on a twisty B-road. The Swift's low weight and direct steering are noticeable here - it is genuinely nimble. The Yaris is also good but in a different way. Decide which character you prefer for the roads you actually drive.
5
Load both boots with the items you actually carry. The 265L Swift boot and 286L Yaris boot are both small. Assess honestly whether either fits your real weekly cargo, or whether neither does - in which case both cars are pointing you towards a different class.
6
Before visiting either dealer, obtain an insurance quote for both cars with your actual age, postcode and driving history. The Swift's higher insurance groups are a documented concern for some buyer profiles - this single figure can significantly alter which car represents better total value for you.
7
Ask both dealers the same question: what does year five and year seven servicing look like in terms of cost? The Suzuki warranty extension to seven years and the Toyota extension to ten years are both service-linked - understanding the dealer service cost at each interval is part of understanding the full warranty value.
The Financial Picture
Purchase Price
Motor Source price on the Suzuki Swift 1.2 Mild Hybrid Motion is £16,939 (saving £3,060 on the £19,999 RRP). The Toyota Yaris 1.5 Hybrid Design CVT is £21,737 (saving £3,173 on the £24,910 RRP). The Swift is £4,798 less. Both savings are meaningful - the Swift saving is the larger percentage. Before the purchase decision is finalised, obtain insurance quotes for both - the Swift's higher insurance groups can narrow or eliminate the total-cost advantage for some buyer profiles.
Fuel Costs
The Swift delivers 57.6 to 64.2 mpg officially, with Motor Source customers confirming 60 mpg is achievable in mixed everyday driving. The Yaris delivers 67.3 to 70.6 mpg, with the full hybrid advantage most pronounced in town. For a commuter covering 12,000 miles per year predominantly in urban conditions, the Yaris fuel saving over the Swift is approximately £200 to £350 per year at current UK fuel prices - meaningful over a four or five year ownership period.
Warranty and Long-Term Cost
The Swift warranty extends to 7 years with Suzuki dealer servicing. The Yaris extends to 10 years with Toyota dealer servicing. Both schemes require annual main dealer servicing to remain valid - confirm current servicing costs at each dealer before committing to either extension programme. For buyers keeping past year seven, the Yaris is the only car with structured cover. For buyers keeping to year five or six, both provide equivalent protection from unexpected bills.
Which Car Is Right for You?
Both cars are strong choices for buyers who want a small, efficient, easy-to-own car. The right one depends on how much the £4,800 price gap matters versus the long-term advantages of the Yaris, and on whether simplicity or comprehensive cover matters more in your specific situation. If you are still working through which type of car fits your life, our guide on how to decide which car is right for you is a useful place to start.
Choose the
Suzuki Swift if you:
✓Want maximum standard equipment at the lowest entry price. The Motion trim includes heated seats, adaptive cruise, keyless entry and a reversing camera as standard at £16,939 - a level of standard equipment that rivals charge significantly more for.
✓Regularly carry adult passengers in the rear. The Swift's boxy proportions deliver noticeably more headroom and legroom than the Yaris - four adults genuinely fit comfortably, which is unusual for a car of this price and size.
✓Value mechanical simplicity. The 48V mild hybrid has no EV-only mode, no large battery to manage and fewer ownership variables than the Yaris full hybrid. For buyers who want a straightforward ownership experience, the Swift delivers exactly that.
✓Do mixed or motorway-heavy driving rather than predominantly urban. The mild hybrid delivers its economy benefit consistently across all driving types, and the Swift's lower purchase price makes the total cost position stronger for buyers who cover longer, faster routes where the Yaris full hybrid advantage shrinks.
Choose the
Toyota Yaris if you:
✓Plan to keep the car for five or more years. The 4th-place reliability ranking and 10-year extendable warranty make the Yaris the most comprehensively covered small car available. For long-term owners the total cost of the Yaris premium begins to pay back through lower fuel and lower repair risk.
✓Do most of your driving in town. The full self-charging hybrid delivers its economy advantage most strongly in stop-start urban conditions. Motor Source customers who commute in cities consistently report that the near-silent electric pull in town is one of the most appreciated qualities of the car.
✓Prioritise a five-star Euro NCAP rating. The gap between the Swift's three stars and the Yaris's five stars is factual and meaningful for buyers with families or employers with fleet duty-of-care obligations. The Yaris centre airbag is standard on every trim.
✓Are a younger driver or company car user where insurance groups matter. The Yaris typically sits in lower insurance groups than the Swift, and its lower CO2 produces the better BIK rate. For some buyer profiles the annual insurance saving alone offsets a significant portion of the higher purchase price.
The Swift and the Yaris serve the same broad purpose but answer different ownership questions. The Swift asks less of your wallet upfront and gives you more rear seat room. The Yaris asks more upfront and gives you more long-term confidence. Neither answer is wrong - but only one of them is right for your specific situation.
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Disclaimer: All prices correct at publication April 2026 versus manufacturer UK RRP. Prices shown (Suzuki Swift 1.2 Mild Hybrid Motion 5dr £16,938.91 from £19,999 RRP | Toyota Yaris 1.5 Hybrid Design 5dr CVT £21,737.20 from £24,910 RRP) are subject to change without notice. Always check nhs.motorsourcegroup.com for live pricing before ordering. Individual savings vary by model, specification and eligibility. Average saving of £7,500 represents the group average across all vehicles sold in 2025. Fuel economy figures are official WLTP combined. Real-world economy will vary with driving style, route type, temperature and payload. Euro NCAP ratings as assessed at date of publication - Suzuki Swift 3-star 2024 assessment, Toyota Yaris 5-star. Reliability rankings sourced from 2025 What Car? Driver Power survey. Warranty extensions subject to annual servicing within the respective manufacturer dealer network - confirm current terms before purchase. Insurance group information is indicative - always obtain a personal quote before making a purchase decision. Motor Source Group (Forces Cars Direct Ltd) is authorised and regulated by the Financial Conduct Authority (FRN 672273). We act as a credit broker, not a lender.