Buying and owning
Costs, equipment, reliability, safety and security
However you look at it, the 5 Series comes out cheaper. Its lower CO2 emissions translate to smaller tax payments for company car drivers, and it’s the more affordable option for anyone planning to lease.
For cash buyers, there’s only £277 between the price of these rivals after dealer discounts. However, the XF will lose its value more quickly, while the 5 Series is easier on fuel, too – all of which means it’s much cheaper to own in the long run.
Both cars come with comparable standard equipment, but if you’re a high-mileage motorway driver you might want to add some active safety systems. In the 5 Series, the Driving Assistant Plus package brings adaptive cruise control and steering and lane control assist. It’s a pricey £2250, but it really does improve motorway journeys. Semi-autonomous steering isn’t available on the XF, but you can get adaptive cruise control for £1460.
Our latest reliability survey suggests you’re more likely to be visiting the garage with the XF than the 5 Series; BMW as a brand scored average marks, whereas Jaguar was below par. Meanwhile, Thatcham rates both cars equally highly for their resistance to being stolen or broken into.
These cars are very safe, scoring full five-star safety ratings from Euro NCAP with almost identical results in all categories bar safety assist. Here, the XF has an edge, because while both get automatic emergency braking as standard, it adds lane departure warning.
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