What do you guys think about the the dealerships that offer free insurance? On Peugeot's three year lease plans, they give three years free insurance: 'just add fuel'. You have to be 21 though, and have two years NCB. Apparently when you go to the dealership, the salesman just wants to make his commission so he lets it slide. VW offer the first year as free insurance. Builds up no claims at least, and you have a brand new (crappy) car. But you have to muster up some money for the deposit, and stay on top of those monthly bills.