I think I've calculated about ?3000-3500 for annual car costs, which includes an ?8k car loan, but does not include depreciation. That would add an extra thousand at least. Car hire for holidays reasons would be about ?1500 I estimate; and local and weekend zipcar trips probably the same again. So, not much difference, but no major outlay. Zipcar also seem to have some consistently bad net reviews out there, but they've certainly corndered the market in ED for car club cars.