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To find out which car is the cheapest, we need to calculate the final price of each car after applying the discount.
For the first car:
15% of £8495 is (15/100) * £8495 = £1274.25
Therefore, the discounted price of the first car is £8495 - £1274.25 = £7220.75
For the second car:
12% of £8195 is (12/100) * £8195 = £983.40
Therefore, the discounted price of the second car is £8195 - £983.40 = £7211.60
Hence, the second car is cheaper with a price of £7211.60.