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I recently answered a frequent question in one of my standard mailouts which received a massive response so I am reprinting it on my blog for you to come back to if needed. Part 2 will be a further blog when sent out to my database, here is part 1:

I live just outside Brighton, a newly formed city that I rarely visit during the summer because of the traffic and the inability to park, but I had cause to pop down there last week and ended up parking in Hove Actually and walking back into Brighton. It was a pleasant walk but as I was passing cars parked at the side of the road I started to notice that people had left nickable items on clear display inside the car.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

I saw all sorts from laptops to tablets, mobile phones, sat navs, piles of shopping spread across the back seat and several bags of all sizes, from handbags to sports bags, left on display on the front passenger’s seat or on the back seat. It made me think because I had only just read a report by Mike Waters of Arval who, in my opinion, stated the bloody obvious when he explained what people should do to prevent car thefts.

He was commenting on the number of prestige cars that were being stolen on a regular basis and what measures you should take in order to avoid your car being stolen. Having witnessed what I saw I thought that maybe I should share this nugget as some readers (not you of course) could be dopey enough not to understand the basic rules of protecting your car.

The first rule is of course to leave nothing on display. Anything of value should be left at home and if that isn’t practical lock it in the boot. You may not be too concerned about the loose change left in the centre console for use in car parks but that £2 contributes towards a can of Special Brew to some.

They are 2 quid better off and you are £75 worth of glass insurance excess the worse off.  Mr Waters says, ‘Always lock your vehicle and close the windows and sunroof. I have to say this seems obvious but how often do you or people you see leave their car on a garage forecourt whilst they pay for their fuel with windows open and the car unlocked?

There are thieves who target garage forecourts to either steal cars or their contents. Keep car keys out of sight, never put them down and even at home make sure they cannot be seen from the outside through a window or letter box. It is easier to break into a house and steal the keys than break into the car and have to hotwire it to get it started. Secure your number plates with tamperproof or clutch head screws.

Not sure about that one. False plates with a bit of double sided on the back can be stuck to the old number plate in seconds. Another suggestion that I don’t necessarily agree with, lock your car in a garage and lock both the car and the garage. I have found, and reported in the past, that if you show that your car is parked in a garage overnight when applying for insurance it can be more expensive than parked in the street. It can be easier to steal a car if the thief can carry out the theft whilst the car is in a garage rather than out in the street.

When away from home, try to park in a well lit, open location, or a police approved ‘ParkMark’ car park. I would add – in sight of a CCTV camera. Finally fit a tracking device to your vehicle and have the car registration number etched on all windows. By Graham Hill

Emission Analytics have found that the economy ratings on tyres can be misleading and inaccurate. The way that the economy ratings are shown at the moment may not give the full story if their findings are to be believed.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

The company specialises in emission data and carried out a series of tests on tyres with various efficiency ratings only to find that those with a lower efficiency rating can perform just as well as those with a high efficiency rating. The test compared F- and B- rated tyres and found that between 40 – 55 mph the more expensive B- rated tyre only saved about 4% in fuel.

The gap between the two only widened when the speed increased to 70mph when the economy tyre returned a 13% saving. The company found that at mid-range speeds, F rated tyres can perform as well as B rated tyres.

Nick Molden, founder of the company, expressed concern that buyers and fleets were paying extra for tyres that weren’t providing the return they were expecting if the journeys are confined to urban routes. He went on to say, ‘Tyre-efficiency labels don’t provide enough information for buyers to make an informed choice.’ He is calling for action to better inform tyre buyers who could be making decisions based on fiction. By Graham Hill

Auto Express has published its list of award winning cars which I am listing below staring with their car of the year, The Mini. It is the first time the Mini has won the Auto Express car of the year award even though it is now into its third generation.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

Mini (marque) (Photo credit: Wikipedia)

Well done Mini, still one of my most popular cars and still providing great value for money with the rates we can currently offer. Other awards are as follows with one or two shockers. For full details of the awards you should subscribe to Auto Express:

Car Of The Year                  Mini (on offer)

Best City Car                       Skoda Citigo

Best Supermini                     Ford Fiesta (on offer)

Best Premium Small Car      Mini (on offer)

Best Compact Family Car    Seat Leon (on offer)

Best Crossover                     Nissan Qashqai (on offer)

Best Family Car                   Mazda 6 (on offer)

Best Estate Car                    Seat Leon ST

Best Compact Executive     BMW 3 Series (330d on offer)

Best Executive Car              Audi A6 (on offer)

Best Luxury Car                  Mercedes S Class

Best Hot Hatch                    Seat Leon Cupra (on offer)

Best Coupe                          Jaguar F-Type (on offer)

Best Convertible                  Audi A3 Cabriolet

Best MPV                            Citroen Grand C4 Picasso

Best Compact SUV             Porsche Macan

Best Large SUV                  Hyundai Santa Fe (on offer)

Best Roadster                      Porsche Boxster

Best Pickup                          VW Amarok

Best Performance Car          McLaren 650S

Design Award                      Volvo Concept Estate

Green Award                       BMW i3

Special Award                     Tesla*

Best Van                              Ford Transit (on offer)

Safety Award                      Nissan Safety Shield**

*The Tesla has received the award for its efforts in bringing luxury and speed to electric cars and without the backing of old established manufacturers. They are even in the process of installing fast superchargers at key locations that will allow drivers of their cars to ‘top up’ in half an hour giving a range of 170 miles (a full charge takes longer but offers a range of just about 300 miles), a 0-60 acceleration of 4.2 seconds and the level of luxury and gadgetry you wouldn’t even find in a top of the range premium brand. Who said electric vehicles are dead?

**Nissan Safety Shield is a range of safety devices fitted across much of their range of new cars showing that they take safety very seriously.

So there you have it. Auto Express’s list of their top cars, many of which we have on special offer. So get your quote requests across as soon as possible. By Graham Hill

Road rage is on the increase and is having more of an effect than simply a momentary explosion of anger. A road rage incident can affect both parties to the point of casting a black cloud over their day and negatively affect their mood. It can also, in more extreme cases, lead to more serious verbal or physical violence resulting in injury or worse.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

On TV we tend to only see the results of severe road rage when someone is killed but every day road rage occurs on our roads leaving both parties seriously stressed. Black Box Insurer, Ingenie, carried out a survey in which 70% of respondents said they had been involved in road rage over the last 12 months.

65% said that they were not the ones that instigated the road rage although 85% admitted to showing the signs of road rage on occasions. Dr Lisa Dorn of Cranford University is a Driver Behaviour Expert and believes that more should be done in this area. When psychologist, Dr Dorn, started studying this area there were 6,000 – 7,000 deaths each year but whilst this has now dropped to 1,700 this is still too high.

Road safety has greatly improved with the development of technology, both inside and outside cars, road signage has improved and roads are better engineered, all of which has improved the accident and death rate. According to Dr Dorn ‘The way in which you need to continue to improve road safety is by educating drivers.’ According to the good doctor drivers take risks that have nothing to do with their skills or knowledge, they take them because of their emotional condition, the situation they are in.

There are the sensation seekers who are looking for a ‘buzz’. They can often find it through driving. For this character an open country road with lots of bends and hills on a sunny day would be a great temptation which would lead to some very erratic and dangerous driving. These conditions would act as a trigger for those seeking an exciting experience that could often lead to road rage in them if they are stopped during this experience by a tractor or slow driver in their way.

The other type of person most likely to become embroiled in road rage is the angry person. Being angry, for non driving reasons, can result in aggressive behaviour behind the wheel. Dr Dorn says, ‘Put that into a traffic situation and you have a driver who frequently experiences frustration and may intimidate other road users. The focus is not on the road but tunnelled towards letting off steam.’

If accidents are to be avoided and bad feelings resulting from road rage to be eliminated drivers’ attitudes must be changed but there is no ‘silver bullet’ that will resolve this psychological problem. Having said that Dr Dorn points out that, ‘There is a psychology tradition to behavioural change and dealing with different personalities and a methodology that is fairly well researched.’

She points out that there is a need for drivers to develop the ability to self reflect on their personal driving style. Pass your test and you never have to do anything ever again, you are a safe and competent driver. But there are many times during your lifetime of driving when something happens to heighten the risk to your driving performance. For example, being pregnant, being sleep deprived, stress at work, divorce, loss of a loved one, financial worries, all could have a major effect on your alertness and driving.

There are laws and regulations that govern the roadworthy condition of the car but what about the condition of the driver? It might seem crazy (and it does to me) but she is suggesting that just as you unlock the car, put your seatbelt on and start the engine without thinking you should also ask yourself, ‘How is my driving going to be affected today?’

A moment of focus on your driving rather than your need for a buzz or the problem that is pre-occupying your mind may help with your attitude towards your driving. Other suggestions are, be aware of anyone trying to pass by tailgating you, keep an eye in the rear view mirror and find a safe place to move over and let them pass. Focus on the present moment and your driving, not your destination. Hold your hand up by way of an apology to a fellow motorist if you make an error whilst driving, it’s surprising how that small gesture can take the immediate heat out of a potential road rage situation.

Avoid making eye contact with an aggressive driver in a confrontational situation. Dr Dorn also suggests that everyone should take responsibility for their driving and consider their mental condition to be as important to their safety as putting on a seatbelt. My opinion is make sure you buy a car with air conditioning and make sure that it is working, staying physically cool whilst driving is as important as staying mentally cool. By Graham Hill

For those that think that the days of scams in the motor industry are a thing of the past – think on! In the piece sent out last Friday I explained that I would happily buy an ex lease or ex daily rental car but avoid an ex demonstrator like the plague!

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

Someone who probably agrees with me is John Quinn who bought an ex demonstrator Range Rover Vogue. As most of the Range Rovers dropping off the end of the production line at Land Rover are destined for the Middle East, China or Russia there was a long waiting list so as John couldn’t wait he paid the full retail price of a new car for a demonstrator.

The car was 6 months old with 3,000 miles on the clock when he bought it. The Range Rover was then sold on to a private buyer who complained to John that the heated and electric seats weren’t working. The car was returned by John to the supplying main dealer for them to fix the problem under the warranty.

However, they found that the seats had been swapped by the dealer with those fitted in a Vogue SE to satisfy a customer. They then found that the wiring of the seats in the SE was not compatible with a Vogue so the electrics would never work and as the seats were changed it invalidated the warranty on the seats.

The dealer refused to pay for the repair and Land Rover passed it straight back to the dealer – and rightly so. A big thing was made over the price that John had paid and he wouldn’t have paid full price if he had known that the seats would no longer function. First of all the price is totally irrelevant other than to maybe add a little weight to John’s argument but it isn’t material.

What is material is what he bought. Did he buy the car he was told he was buying? The change of seats was explained to John but it wasn’t mentioned that they weren’t working and never would. When buying a used car you buy it as seen so whilst a car may have an LX badge on the boot and say that it is an LX in the registration document it doesn’t have to conform to LX spec. as I’ve mentioned in the past.

This would change of course if the dealer selling you the car confirmed that the car matched the original manufacturers spec of the car. If the dealer knew the seats weren’t working they had an obligation to tell the buyer so he has a chance here as they ‘withheld material information about the car that could influence the buying decision’.

However, they have argued that they weren’t aware that the electrics weren’t working and common sense tells you if you know that the seats have been changed you would check that the electrics work OK – if it was likely to affect your buying decision. The argument continues between himself, the dealer and the manufacturer but yet again it raises some interesting questions, which, in this case, looks as though will only be resolved in court.

But the bottom line is that when you buy an ex demonstrator it could have been driven harder than a hire car and you are buying a used car that could hide all sorts of scary things that you should be, but often aren’t, made aware of. Buy or lease a new car from a reputable dealer or broker and you remove much of the risk.

Don’t go for the cheapest because you may be subject to a scam, the ex demonstrator that has been clocked by the dealer supplying a lease car via a dodgy broker (bucket shop). The new car that was intended for the daily rental market in ‘sub spec’ condition sold to a leasing company as a full spec brand new car. You know the rest as I bang on about it enough. By Graham Hill

Now here’s an idea that I threw out there a couple of years ago which attracted the usual amount of attention that my ideas receive but am I disappointed – nah cos I just keep on throwing the ideas out there till one day I get recognised as the man that made a difference.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

I have just read that the Government has made yet another U turn regarding motorway speed limits. It wasn’t that long ago when Stephen Hammond said that it was the Government’s plan to introduce an 80mph speed limit on motorways. We then received the caveat that this would be a ‘zero tolerance’ limit.

In other words, crack on at 81 mph and you’re nicked sunshine. But chat to any traffic cop and they say that they use as a very rough guide, speed limit + 10% + 3mph before they light up your rear view mirror with a mass of blue lights. So let me see (gets out calculator), umm, 70mph + 10% = 77mph + 3mph = would you believe it 80mph.

So no sodding change! Added to which, for fear of losing votes, Mr Hammond’s boss came out immediately after and said he wasn’t considering a change to motorway speed limits. Back to square 1. But not quite because the greenies amongst us, having heard Mr Hammond, decided to make the case for the environment and insist that rather than increase the speed limit the Government should decrease it to 60mph. Good grief!

So then the Government decided that they should carry out experiments on stretches of ‘Smart’ motorways, currently undergoing widening, where it would be possible to set limits on specific stretches of road whilst the Highways Agency stood at the side and assessed the air quality under different conditions.

Having decided that this was a good idea (I don’t for the record) and to be in place as soon as the motorway improvements were completed on the M1 and M3, Transport Secretary, Patrick McLoughlin, has decided to shelve the idea and instructed the Highways Agency to look for other ways to improve air quality rather than drop speed limits.

This announcement was not necessarily a vote winner, more likely not a vote loser. Look the answer is simple. It is already an offence to hog the centre lane on a motorway but why not go one step further and say if there are no cars to the left of a driver he must move over or be fined, flogged and receive 3 points.

This would result in the freeing up of tens of thousands of motorway miles and help traffic flow. My original suggestion was rather than impose a fine and points make the tar on the inside lane fine and therefore low noise in the car, middle lane a little courser and outside lane much courser increasing the noise, at speed, in the cabin.

Constant drumming in the car whilst hogging the outside lane would soon move them over! Sorted – job done! Thank you very much! By Graham Hill

60KM/H Speed limit sign in Australia. (Photo credit: Wikipedia)

Years ago, a well-known comedian, Jasper Carrott, had a routine that included a part where he read out reasons given to an insurance company by drivers trying to explain the cause of their car accident. They all sounded ridiculous but apparently quite genuine and very funny.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

I was reminded of this routine whilst reading the causes given to the Highways Agency why people had stopped on the hard shoulder of a motorway. I should point out that it is illegal to stop on a hard shoulder unless there is an emergency. It is also illegal to drive down the lane of a motorway if a red X is displayed above it, something that is appearing more frequently as the Highways Agency open up hard shoulders for drivers to drive along at various times of the day.

Between July and September last year there were 2,062 instances of drivers braking the law by stopping on hard shoulders for reasons other than an actual emergencies. According to the Highways Agency, drivers that ignore the law could face a fine and points on their licence if they break either law.

The Central Motorway Police Group sent out over 700 letters to motorists misusing hard shoulders between September 2013 and April 2014 resulting in just 20% repeat offences. They seemed to be quite happy with that! Why aren’t they banning the drivers for 5 years for a repeat offence, ridiculous?

HA1-000949 (Photo credit: Highways Agency)

Anyway, here are the ten most dopey reasons given by drivers as to why they stopped on the hard shoulder:

• One motorist pulled over because they saw fire” on their dashboard display, it later turned out it was the name of the Adele track they were listening to.
• One motorist parked up and fell asleep on the M6.
• People stopping to read a map or check their sat-navs.
• Traffic officers stopped with two cars on the hard shoulder – the owners were half way through the selling and buying process for one of the cars.
• One driver realised their car insurance policy was up for renewal – they were ringing around for quotes to renew.
• A group of motorcyclists parked on the hard shoulder on the M1 to review their route and have a drink.
• Taxi drivers waiting on the hard shoulder around Heathrow airport for their client’s flights to arrive.
• A mobile phone operator, stopping at regular intervals in their private car carrying out signal tests on the hard shoulder.
• A driver who stopped to pick flowers.
• Have you broken down Sir? No, came the reply, we are taking pictures of our new born grandchild (in their open top sports car) as it is a lovely day.

Sadly not in the same league as Jasper Carrott, who is making a comeback by the way, but all pretty dopey and potentially dangerous! By Graham Hill

I’ve just found another little snippet of information. If you are planning a trip to Germany in the future you may have to pay a toll to use their roads from 2016 if proposals announced by the German Government go ahead. Foreign drivers would have to purchase a permit costing 10 euros (£7.90) for 10 days or 100 euros for a year long permit, depending on your car’s emissions.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

Germany’s transport minister said Germans would also have to pay but would be offset by a tax cut elsewhere. They estimate that the toll will raise 2.5 billion euros over 4 years. Germany is one of the few European mainland countries that doesn’t charge cars.

Next door neighbours France and Austria have tolls but don’t distinguish between nationals and foreigners. According to the report I read it is still unsure whether Germany will be allowed to carry out its plan because of its discrimination against foreigners.

Toll Booths, Hong Kong (Photo credit: Ian Muttoo)

But re-reading the report it says that they will also be charging German drivers but giving tax cuts elsewhere to offset the cost. Maybe I misunderstood! Is it me? Anyway, watch this space. By Graham Hill

Related articles

• Autobahn Thrills to Cost Foreigners Under German Plan – Bloomberg (bloomberg.com)

It would seem that more and more Brits are hiring cars whilst on holiday. So as we come up to the serious holiday season it is quite timely for me to give you a bit of advice that could save you a lot of money if you are one of them. In a survey carried out by the Post Office it revealed that more than half of British holidaymakers hiring cars in Europe could face a huge hidden rental bill.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

The survey revealed that 56% of UK holidaymakers aren’t protecting themselves from accidents or theft with excess waiver insurance (EWI). Three quarters don’t bother with cover for glass, tyre or undercarriage damage. On average this extra insurance, payable on arrival, is about 12% of the cost of the excess but drivers are either not aware or ignore this insurance and run the risk of being hundreds of pounds out of pocket.

And don’t think the excess is the same as your domestic car insurance policy if you have an accident whilst in say Spain or Portugal of say £250, oooh no! The average accidental excess in Spain is £839 and in Portugal is £903 but the EWI and tyre and glass cover is just £99.10 and £87.55 respectively for 7 days cover.

Oh, and if you venture off the main roads in Greece, Spain or many other holiday countries you could hit a pothole that makes our potholes look like dimples causing all manner of expensive damage to wheels, suspension, brakes, undercarriage etc. Andrew Brown of Post Office Travel Money said, ‘It’s a false economy to cut costs by sticking to the basic cost when booking car rental online.

English: An old AVIS Car Rental advert on a side of a building. (Photo credit: Wikipedia)

What’s more don’t leave it till you get to your holiday destination to find out what the hire car will really cost. Calculate all the costs by doing your homework in advance to find out the realistic price of car rental and holiday motoring.’ Good advice there from Mr Brown. Happy holiday! By Graham Hill

Related articles

• The great car hire rip off in Europe: £1,000 excess charges and insurance that DOUBLES the price of car rental (dailymail.co.uk)
• Holidaymakers warned about car hire costs: It’s cheapest in Cyprus at £295 week (while in Majorca it’s a whopping £514) (dailymail.co.uk)