Driving instructors typically have their cars on a 3 year hire purchase then return instead of buying. Why? Way back when, my driving instructor actually bought one of the cars. 3 months later, the engine failed and it was out of warranty.

Because of that, he realised that paying a monthly fee meant he had no surprise failures, he returned the car just as the clutch was burning out (learner drivers don’t have great driving technique, weirdly enough), and had a fresh car every 3 years for new learners.