Car Safety Technology Saves Lives But Can Put Up Insurance Costs

Friday, 6. April 2018

 It must be 25 years ago, soon after I took delivery of my brand new BMW 5 Series, when driving home with the family on board I had to slow fairly rapidly for some traffic lights. To be honest the sun was low and very bright and I was momentarily blinded.
As I stopped I glanced in the rear view mirror and noticed a van speeding up behind me, clearly blinded like me. I shouted to my two young sons in the back to sit back, which they did, whilst I dabbed the brake pedal which caught the eye of the van driver it was too late to prevent an accident. I saw the van behind crumple.
When I got out of the car, after checking the family, although I knew they were fine as we didn’t feel a thing, I was shocked to see that the back of my car looked as though it had been nudged by a push bike whilst the van must have been close to being written off. My car was perfectly driveable and I booked it in for the damage to be assessed.
The other party, the local authority, agreed to pay for the damage so I wasn’t worried but I was shocked to learn that it was going to cost nearly £1,000, bear in mind this was 25 years ago. You see it wasn’t the bumper that needed replacing it was the gubbins behind, like a train buffer and, as with an air bag, once it’s deployed it must be replaced.
Again bearing in mind that this was 25 years ago, you can imagine that if the same happened today I would not only be as protected as I was then but the rear end would have embedded in it parking sensors, a camera and a raft of other safety equipment that would prevent injury but cost a fortune to repair.
Deaths on our roads dropped by 44% between 2006 and 2016, from 3,172 to 1,792. The fact is that whilst lives are being saved as a result of everything from seat belts and air bags to stability control (ESP) and automatic emergency braking (AEB) when an accident happens and you walk away from it the cost of repair and replacement is getting astronomical.
A price worth paying in my opinion.  By Graham Hill
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Department For Transport To Make Roads Safer For Cyclists

Friday, 6. April 2018

The Department for Transport (DfT) has announced a study into ways of making roads safer for cyclists. One area being looked at is the possibility of setting a minimum distance for motorists to leave when overtaking cyclists.
The Highway Code says drivers should give cyclists ‘plenty’ of space and ‘at least as much room as you would when overtaking a car’.But ministers, feeling that this was inadequate, have previously said they were interested in bringing in a mandatory minimum gap.
Robert Goodwill got the ball rolling in 2016 when he was Transport Minister. He looked at a law in South Africa that set a minimum distance when overtaking, suggesting that we should consider replicating the law in the UK. The DfT said that they are keeping the proposal under review.
Another new rule could be aimed at preventing car drivers from opening doors in the path of cyclists. In Holland drivers are taught the ‘Dutch Reach’, you can stop making up your own stories right now.
This technique is used to open doors which involves using the hand furthest away from the door to open it, essentially forcing them to look over their shoulder for passing cyclists. Around 100 cyclists die every year on UK roads and 3,000 are seriously injured.
The danger posed by other road users is believed to be a barrier to getting more people to get on their bikes. Which is something that the Government is eager to do as part of its Greener Revolution. By Graham Hill
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New Items Added To The MOT Test

Friday, 6. April 2018

I reported a few weeks ago that new tests were being introduced into the MOT test from the 20th May. The Driver and Vehicle Standards Agency (DVSA) has just announced additional tests including tests for diesel cars with Adblue systems.
Models registered after March 2018 will have their daytime running lights and front fog lights inspected. All car will be checked for ‘fluid leaks posing an environmental risk’, and new tests for propshafts, driveshafts, bumper condition and reversing lights will also be introduced.
These changes are in addition to the changes that I already mentioned, such as the recategorisation of faults as Minor, Major and Dangerous and new diesel particulate filter checks. The most worrying change is the automatic failure of diesel cars if there is any smoke emitting from the car. A lot of pressure on the MOT tester. By Graham Hill
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Should You Appeal Parking & Bus Lane Fines?

Thursday, 22. March 2018

According to the findings of the BBC, who surveyed 245 local authorities, yes you should. Because 4 in 10 parking and bus lane fines have been overturned by local authorities during the 5 years 2012 – 2017, During this period 4.3 million appeals were lodged with 1.8 million being successful.

 

Basingstoke and Dean council in Hampshire overturned the highest proportion of tickets at 90% of the 12,804 appeals lodged. In addition, a quarter of all parking and bus lane fines were eventually canceled. Couldn’t be arsed I guess!

 

Their excuse was aging equipment meant that often the machines were faulty causing problems with the issuing of tickets. New ticket machines installed in 2017 have apparently reduced the number of successful appeals. Aberdeen council overturned 70% of tickets on appeal, they said that if they had a first time offender it could often cost more to collect the fine than simply overturn it.

 

That’s what I like to hear, if you appeal a ticket, you are unlikely to pay it if they don’t overturn it so they may as well overturn it and save the bother of chasing the fine. The BBC found that 84 authorities overturned over 50% of all tickets issued on appeal.

 

When asked by Auto Express an RAC spokesman took a slightly different approach than me, suggesting that with so many appeals succeeding should the tickets have been issued in the first place so should the local authorities review their ticketing procedures? I tend to agree!  By Graham Hill

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Government Grants For Plug-In Hybrids Extended

Thursday, 22. March 2018

The Chancellor announced last November that grants would be extended till 2020 but they are still to clarify the rules. For the moment the Government has confirmed that the current grants will last till at least the end of April whilst they continue their review.

 

Whilst the Chancellor confirmed that a scheme would last till 2020 they only confirmed that the current rates would last till the end of March. I hope that for the sake of the industry the DfT doesn’t simply extend the current rules a month at a time, especially where orders are placed on cars that won’t be delivered till after the end of April.

 

The best information we have at the moment is that the Department for Transport will advise any changes in due course. However, this hasn’t encouraged manufacturers to come up with some cheap rates for this month although we have just had a reduction on the all-electric Nissan Leaf.

 

The current structure, that many think will continue, is as follows: Cars with CO2 emissions less than 50g/km and a range of at least 70 miles with zero CO2 emissions – the grant is up to 35% of the cost of the car, up to a maximum of £4,500. Cars with CO2 emissions less than 50g/km and a range of at least 10 miles with zero CO2 emissions – the grant is up to 35% of the cost of the car, up to a maximum of £2,500.

 

Finally, cars with CO2 emissions of between 50g/km and 75g/km that can travel a minimum of 20 miles emission free – the grant is up to 35% of the cost of the car, up to a maximum of £2,500. The latter two categories exclude cars costing over £60,000.

 

I somehow feel that if we are to encourage investment by manufacturers in low and zero-emission cars we need a more serious approach by the Government. We are badly lagging behind Europe when it comes to fast charge points and if they end up lowering the grants we will be back to fighting over the emission differences between petrol and diesel. By Graham Hill

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Major Setback For Driverless Cars

Thursday, 22. March 2018

You may have read the sad story last weekend about the accident that took place in Arizona when a lady was killed by an autonomous Uber car. traveling at 40 miles per hour when it hit her whilst crossing the road with her bike. The car, an XC90, modified for driverless travel and operated by Uber, had a backup driver behind the wheel.

 

There were no passengers in the car and investigations are underway but the accident has certainly caused US States, the Government and operators to re-think the potential dangers. Arizona chose to impose very few regulations on autonomous cars in order to attract operators away from neighbouring California which attracted a lot of operators and developers but imposed tough regulations.

 

As a result, it now looks like the US Government will step in and create countrywide regulations that will overrule individual states. It has also caused many operators in both the States and around the rest of the world to review their safety systems and ask whether the drop in regulations in Arizona and other states has caused development in some developers to drop safety down the list of priorities.

 

The real worry for many is that there was a driver at the controls of the car that had the accident, acting as backup, and still an accident happened. Was the driver locked out of the controls at the time of the accident? The eyes of the world are now on the findings of the investigation. Much depends on what is uncovered as to how soon we will get to see autonomous vehicles on the road.

 

And if I may make a final point, I don’t see the benefit of a driverless car if it still needs a driver – just putting it out there. By Graham Hill

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Buying A Stolen Car – Strong Advice

Thursday, 22. March 2018

Over the past 3 years car thefts are up by 30%. In the past the cars were stolen by joyriders or in the case of prestige cars, stolen to order, stuffed into a container and on its way to India or South Africa within 24 hours of being stolen.

But these days there is a higher likelihood that cars will be stolen to sell on to unsuspecting buyers after changing its identity. As 50% of stolen cars are never recovered and with only a small proportion being shipped abroad you have to be on your guard if you are buying a car privately.

If you buy from a dealer and the car was found to be stolen you will still lose the car but you have much greater legal protection. But if you buy the car privately and the car is discovered to be stolen you could lose the car and the money you paid for it.

But even worse you could be arrested for handling stolen goods. To add to the pain it’s highly unlikely that your insurer will pay out if you make a claim. Andy Barrs, head of Police Liason at TRACKER, has some suggestions as to how you can protect yourself.

When inspecting the car check to see if new registration plates have been fitted and if they have ask why? Thieves may be trying to disguise its identity. Make sure that both sets of keys are present and working as this could also indicate that the car is stolen.

Check the Vehicle Identification Number (VIN) for visible signs of alteration. Also, go to the GOV.UK ‘check you’re not buying a stolen vehicle’ website for valuable advice. An HPI check records mileage so if a car has been cloned you may see a discrepancy in mileage records. Take care there’s a thief about as they say! By Graham Hill

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Buying A Car Still On Finance

Friday, 9. March 2018

One of my biggest gripes in life is the misinformation that is readily available on the Internet with the owners of the websites, on which the information appears, taking no responsibility whatsoever. Top of the list is Google along with other search engines who rank search results by their economic contribution to their coffers rather than accuracy or even the chronological sequence of posting.

 

People are relying on the accuracy of the results to make decisions and could end up heavily out of pocket because the advice is either inaccurate or out of date.Other sites such as themoneysavingexpert.com allow anyone to comment on their blog, something that has filled their blog with data and links, enabling its owner, Martin Lewis, to  sell the company for £87 million but taking no responsibility for the accuracy of the information imparted, often by people with as much legal knowledge as my sister’s Old English sheepdog, called Izzie by the way and as daft as a doughnut!

 

A question raised by a firm of lawyers who advise dealers on their legal rights, when in a dispute against a customer, caused me to raise the issue again because a member of their client base asked what would happen if the dealer bought a car having checked that the car wasn’t on finance on HPI. He sold the car and checked HPI again, each time the report showed that it was clear of credit.

 

3 months later the dealer received a demand from the solicitors of a finance company that claim to have outstanding finance on the car to the tune of £20,000. Having checked HPI, which showed that the car was clear of finance, the dealer claims that title has passed and certainly, as an ‘innocent buyer’ title has passed to the buyer of the car from the dealer. But thanks to a ruling by the House of Lords in 1975 (Moorgate Mercantile Company Limited vs Twitchings) as there is no legal obligation on the part of the finance company to record finance details on HPI, the fact that the finance company forgot to record the car on HPI is irrelevant.

 

But here’s the twist. Whilst the finance company can apply to the dealer to get his money back, what if they are unaware of the dealer’s involvement? Some will buy to order so let’s say you are looking for a Ford Focus in a particular colour etc. and your local dealer says he’ll look out for a car for you. He finds one privately for sale, buys it, has a service on it, valets it then has a new MOT on it then sells it to you for a nice little profit, he may well not let the DVLA know that he had ownership of the car.

 

Or supposing the dealership went bust in the meantime, either way the solicitor is directed to you and you receive a demand for the outstanding finance or hand the car back. That is in fact illegal as long as you were told by the seller that the car was free of finance you are now the legal owner. However, I have seen numerous posts on various blogs blaming the innocent buyer and suggesting that he should hand the car over and pursue the person he bought the car from.

 

This is wrong and I recall reading about an Audi A4 owner who handed his car over to the finance company, having followed the advice on one of the blogs by a complete donkey, or it could have been Izzie. Trouble is if you voluntarily hand over the keys you are highly unlikely to get the car back. Never ever hand over the keys to your car to anyone calling at your door, tell them to put their demands in writing.

 

In the case illustrated above I have total sympathy with the dealer, what’s he supposed to do, contact every lender in the land and ask if they have finance on the car? And if you are an innocent buyer you shouldn’t be misled by posts on blogs accusing you of being an idiot if you bought a car that was still on finance.

 

It’s about time that the Government stepped in and forced every lender to record their financial interest in a car via the DVLA – it wouldn’t be rocket science. By Graham Hill

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Something You May Not Have Known About Drink Driving

Thursday, 1. March 2018

Did you know that the police can issue a ‘marker’ on the cars registered to drivers who have previously been disqualified for drink driving? No, I didn’t either but they can and in some counties they do. But it depends upon the force.

 

The idea is to flag up drivers wh have offended once and keep an eye on them. Research has shown that 12% of those banned for drink driving re-offend, rising to 30% of high-risk offenders caught at more than twice the legal limit. I would caveat that by saying that those % figures apply to those who are caught, with so few traffic cops on the road now I would suggest that the figure is probably higher.

 

This process doesn’t just apply to drink driving, it can apply to any offender suspected of possible re-offending. The police attache a ‘digital marker’ to the offender’s vehicles. Automatic Number Plate Recognition (APNR) cameras can then alert police to the driver’s status to help them better target known offenders.

 

However, Auto Express found out that only a handful of police forces take advantage of this facility and digitally mark vehicles. Cheshire police have 1,041 active markers which create an intelligence slide for every disqualified motorist containing personal details and any vehicle registered to them at the time of disqualification.

 

In Cheshire, between 2010 and 2016 57% of all banned drivers lost their licence as a result of drink driving. Merseyside police has a policy that markers will be attached once a driver is convicted and/or disqualified from driving. At the other extreme, the Met and City of London Police are two of the forces that admit to not using intelligence markers.

 

The Met subsequently clarified, when asked, that they would do so if there was ‘credible evidence’ that someone was driving while disqualified. West Yorkshire, in the meantime, said that they felt the attachment of intelligent markers to all drink drivers was neither ‘justified or proportionate.’ Although they admitted to having 80 live Markers.

 

Well, you learn something every day! Hope I provided that something for you today. By Graham Hill

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More Clarity Needed Regarding Diesel Emissions

Thursday, 1. March 2018

It was disappointing to see overall new car sales dropping to 2.54 million registrations, a drop of 5.7%, in 2017. Some put the drop down to confusion over the true benefits of PCP finance, real or perceived, and the way that PCP’s have been sold – accounting for around a million new car registrations in 2016 but dropping monthly.
My view is that there are concerns amongst buyers over the way that PCP’s are being ‘pushed’ onto customers with suggestions of miss-selling and profiteering from unnecessary add-on products, resulting in buyers holding back for fear of walking into a showroom and being scammed.
Predictions, publicised in 2017, regarding the vulnerability of the lenders to drops in used car values that could lead to a collapse were unfounded, to the point of being ridiculous. If greater care had been taken over identifying how the product works, the true exposure of the lenders and careful scrutiny of the accounts of the major players they may not have come to the conclusions they did and spread even more fear amongst consumers.
More worrying for environmentalists, including me, is the swing to petrol from diesel. A bandwagon has started and is gaining momentum with the Government and local authorities jumping on and demonising diesel car drivers then using this unfounded critical view to unfairly ‘tax’ diesel drivers with congestion/environmental/parking charges.
There is very little to choose between the emissions of new diesel and petrol cars but we need more Government led clarity as to the true environmental damage caused by each engine for consumers to make properly evaluated decisions. This investigation is urgent as we have already seen an increase in CO2 emissions of new cars registered in 2017 from 120.1 g/km in 2016 to 121 g/km assumed to be the fault of petrol engines, this being the first increase in CO2 emissions since recording began 20 years ago.
How long will it be before we see headlines predicting doom and gloom as a result of holes re-appearing in the ozone layer thanks to petrol cars? Finally, if we see a continued move to petrol we will use up more oil as fuel consumption is greater in a petrol car than a diesel equivalent, anything from 20% to 50% fewer miles per gallon out of the petrol engine.
We will also see a drop in diesel cost at the pumps as diesel is a by-product of petrol production. For information, a barrel of crude oil (42 gallons) produces 19-20 gallons of petrol and 12 gallons of distillate fuel, most of which is used as diesel fuel. It can be seen that if demand increases for petrol, firstly as a result of people switching over to petrol cars and secondly because more fuel is consumed per mile travelled, we will see more petrol being produced which could drop the price of diesel at the pumps to less than petrol.
As a result, more people on lower incomes would be encouraged to buy older, cost-saving, diesel cars – the very cars that the Government should be encouraging off the roads because they are environmentally unfriendly.
We need greater clarity Mrs May, Transport Secretary Chris Grayling and Environmental Secretary Michael Gove. By Graham Hill
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