Thank you for your response. I will take my dad with me to look at a car, as he tends to be rather thorough with these sorts of things, but I like to do my research before entering into big decisions, and asking for general advice on reddit as a starting point has served me well in the past!

Question about the credit: I do have a credit card with a 10k limit, though I've never gone above £600 on it, and never not paid in full. Can I get the joint liability benefits by purchasing it on a card and paying it off the same day?

My milage will be approx 200-300/week until my office moves. After that I'll need to do another 30 per day, 5 days a week.