The XF is offered at four trim levels: Prestige, R-Sport, Portfolio and S. The last of these is the preserve of the V6 models and commands a £10k premium over the next most senior spec.
Given the focus on the business user, it is hardly surprising to find the model both competitively priced and decently equipped.
The entry-level Prestige model gets leather seats, rear parking sensors and sat-nav and is around the same money as the BMW 520d SE.
The slightly more athletic R-Sport we drove adds mostly cosmetic enhancements to the firmer suspension, leaving the Portfolio, which has keyless entry, electrically adjustable seats, a reversing camera and an 11-speaker Meridian system for a £2200 walk-up.
Buying the 161bhp Ingenium engine and sticking with the manual gearbox and 17in alloys delivers a car with CO2 emissions of 104g/km, claimed to be the lowest non-hybrid score in the segment.
Most buyers will prefer the auto – still admirably efficient at 109g/km – although with the 178bhp motor tested, it ends up at 114g/km, which is highly competitive but not class-leading.