From £15,8497

The Vauxhall Mokka model range is quixotic, to put it mildly. There are three trim levels but, on paper, the second richest in terms of standard equipment – Tech Line – is actually the cheapest.

The model hierarchy only makes sense in a world where fleets demand plenty of equipment for a low taxable list price, while private buyers haggle harder and can be controlled using list price incentives and dealer finance.

Vauxhall's "Lifetime" warranty should help keep costs low

Fleet buyers will get the value-added Tech Line cars, while retail buyers will be encouraged by discounts and finance offers to buy Exclusiv and SE-trim vehicles.

In light of which, the obvious advice, if you’re not happy with the deal offered by your local salesman on an Exclusiv spec car, is to arrange your own finance on a Tech Line model of the Vauxhall Mokka.

Do that and you’ll end up with a car offering a surprising amount for surprisingly little outlay. Want an equivalent all-wheel-drive petrol Yeti or Sportage? It'll cost you more. Tempted by a Mini Countryman? Again, it'll cost more.

The Mokka's engine line-up is also relatively efficient – about par for the course – and not bad for a car of its type. CO2 emissions are low enough to be competitive, and servicing costs are sure to be likewise. Vauxhall's 'Lifetime' warranty, which covers the car up to a mileage of 100,000 miles, should help keep unexpected bills to a minimum.

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