something I never quite get about contract hire. If I take out a personal contract hire (is that a PCP?), do I get the chance to buy the car at the end of the 36 months?

If I don't get the chance to buy, is it any cheaper than actually just taking out a finance deal over 36 months which also gives me the choice of either giving the car back or buying it?

Thanks!

yes - if you are taking out a personal contract hire, then yes you can buy the car at the end of the lease. Business users can't, however.

Well they can, but they have to do it via a third party, and pay the correct market value (loads of legalese!)