Like most folks I want to pay the minimum in finance mark-up.
So I always look at the total cost of a deal, and that is not just the purchase price. Many dealer offers look good when you look at the finance package - but they you realise it is a model about to be replaced or face a major overhaul and thus the "cheap" model will take a hit in terms of depreciation.
Typical APR figures from the likes of Blackhorse are way above what can be obtained via a regular bank loan, if not from the likes of Lloyds, HSBC, then certainly from Tesco, Sainsbury's etc.
So any package needs to be competitive, for current models.
What also really gets my, and I dare say others, hackles up are hidden admin charges. When I buy a bike I dont expect to pay £50 at the start and £50 at the end for paperwork. These costs may be negligable but they are bloody annoying and leave a bad taste, and would certainly be part of my considerations when looking at a deal.
If the PCP is to work for getting a new bike every three years is to be meaningful, mileage can't be resticted to 2 - 3K per year. Some of us like to get out an ride. It needs to be a meaningful figure. Likewise the deposit amount needs to be realistic. I would have thought between deposit and payments about 66 - 75% of the On Road price, as the resale value at the end ought to be what 50% of the initial On Road price. giving a 5% ROI (if you factor in NPV) even more.
Also look at the many complaints on here about MCE Insurance - that'll show you the sort of customer service issues that really piss customers off. I would suggest most of us are also car drivers so don't treat us like second class citizens, or you risk the monies you might have also got from our car purchases. In fact why not link the two. Think BMW make cars and bikes, Audi recently bought Ducati they see the opportunities for cross selling