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Used test: BMW 5 Series vs Jaguar XF: costs

Buy either of these two luxury saloons at four years old and you'll save nearly £27,000 on the price of a new one, but should you go BMW 5 Series or Jaguar XF?...

BMW 5 Series alloy wheel and headlight

Buying and owning

Costs, equipment, reliability, safety

New, these two cars cost roughly the same, at just under £50,000, and bought at four years old as here they'll both still set you back roughly the same, at around £23,000. That's a headline saving of nearly £27,000.

As far as running costs go, the XF will cost more to insure, by roughly £60 over three years, and around £800 more over three years to service than the 5 Series. It’ll also cost more to fuel, according to the NEDC official tests that were prevalent at the time these two were new. Expect to fork out around £200 more over three years if you do an average mileage, according to our figures.

Jaguar XF alloy wheel and headlight

It’s worth considering the BMW’s more impressive reliability record, too. In our most recent survey, covering cars of this age, the 5 Series finished top in the luxury car class, while the XF finished fourth out of six. BMW as a brand also finished the same survey several places above Jaguar, in 13th place as opposed to 21st place out of 30 brands. 

Both cars are tested here in their range-topping trims, so there’s been no scrimping on luxuries. You get 19in alloys, climate control, heated leather seats, automatic xenon headlights, rain-sensing wipers and front and rear parking sensors. The XF also adds keyless entry to that. Automatic emergency braking is standard on both cars to stop you accidentally running into the car in front.

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