Top quality, better powertrain options, less kit for the money. £59,520
Volvo XC90 T8
It’s a PHEV so considerably more economical. Interior has similar use of fine materials. £65,540
BMW X5 30d X-Line
Less well equipped for the money, less interesting design inside and out. £60,735
■ Pay-as-you-drive insurance specialist By Miles has teamed up with Ford to offer customers a route to reduced insurance rates, particularly for those for whom working from home is going to become the new normal.
Rather than using a black box, By Miles will collect driving data direct from the Ford car’s embedded modem. It makes enormous sense. Obviously you need theft insurance even when your car is not being driven, but only paying for third party and comprehensive cover when you’re out on the road would be a breakthrough.