December 6 2025
A new UK independent car-pricing insight service says private buyers could be missing out on significant savings, with billions of pounds’ worth of achievable discounts available across the market. With industry data forecasting 800,000 private new-car purchases this year, Insider Car Deals reveals that £4.1 billion* in real-world savings is available to buyers – an average of £5,473 per car – simply by negotiating using its Smart Buy Price.
Insider Car Deals has been launched by automotive industry expert Pat Hoy to help consumers get the deal they deserve. Hoy, known as “The Automotive Insider”, has provided trusted pricing intelligence to national publications for over 20 years, with clients including What Car?, Parkers, Which? and The Independent.
Hoy brings decades of real-world car buying insight and knowledge directly to consumers, saving them time, hassle and money. He provides clarity, confidence and certainty to help people navigate through the confusion of modern car buying and secure a great deal for themselves.
“We don’t buy cars for people, we help them buy better,” Hoy added, emphasising that Insider Car Deals is an independent pricing-insight service, not a dealer, broker or sourcing operation.
“Most consumers are in the dark and at a disadvantage when buying a new car,” said Hoy. “They have no idea how much discount is truly available, or what a great deal looks like – it’s akin to a state secret.
“Buying a car is costly and consumers need clear, independent intelligence to become confident car buyers.” said Hoy. “Our bespoke paid-for services give them the real numbers, so they never overpay for a new car again.”
Insider Car Deals applies Hoy’s decades of pricing knowledge, research and mystery-shopping insight directly to the car market as it stands today. It’s like having ‘Pat in their Pocket’ when they enter a retailer.
For example, Insider Car Deals average achievable savings on this year’s top selling cars with a manufacturer-supplied PCP finance deal are:
Each month, Insider Car Deals will publish a free market segment ‘Top 10 Deals Guide’ detailing the highest achievable discounts available to help car buyers decide what car is right for them.
When a buyer has defined which car they want to buy, Insider Car Deals provides a ‘Personal Deal Sheet’ for £95 – a DIY route that gives consumers a clear, achievable price and the confidence to negotiate their purchase without overpaying. All deals are genuinely attainable, but individual retailers may choose not to
offer them. Buyers can either try other retailers or, if they prefer, upgrade to the ‘We Do It For You’ service for an additional £140, where Insider Car Deals secures the deal directly with a retailer.
The premium tier, ‘Your Deal – Your Way’ (£355), is a fully bespoke concierge service including a 30-minute consultation with Pat Hoy, a shortlist of three suitable models, and tailored Personal Deal Sheets showing genuine dealer discounts, manufacturer incentives, deposit contributions, APRs and on-the-road pricing. Once the buyer chooses their preferred option, Insider Car Deals will secure the deal directly with a retailer and connect the buyer to complete the purchase.
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Photo supplied by Pat Hoy, Insider Car Deals
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