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We bought our Zumo in October of last year with wedding present money. We needed a sat-nav that would fit our Ford KA car and my husbands BMW F800 motorbike and it does the job beautifully on each. For the bike there is a set of mountings provided which we leave on permenantly and for the car a suction mounted cradle. The power and audio can be accessed in the car by plugging into the cigarette lighter, and on the bike, although it can be used without audio, my husband has configured it to work with his bike bluetooth system. On the bike it is exteremely waterproof - we have used it on the motorway to London in minus degrees when it was raining a monsoon and it behaved beautifully. Has also endured several drops from the bike (when stationary) and survived unscathed.
I especially like that it recognises road names. For example, instead of the A2334543 (meaningless if you are trying to find an address on a road name) it will actually say 'Brook Street', 'Fairfield Avenue' etc. Locations can be stored in the memory and it works in multiple countries.
Very user friendly - I especially like the little touches that allow you to pick your onscreen vehicle and that the display changes from a day scene to a night scene when dusk falls.
Bought one of these recently and it does exactly what its intended to do. If you are intending to go abroad you would be better off buying the zumo 550 as the european mapping pre installed on the 400 device are VERY VERY basic. The cost of upgrading the maps using garmin maps balances out the cost. The zumo 400 does not come with carry case to protect it when not fitted to your bike and does not come with a car mount. All of which is included in the 550.In summary the 550 is better value for money but if you intend always staying in the UK and not putting the 400 in your car the Zumo 400 will be the cheapest option.