The Best Car Finance Blog In The World

There is an expression, be careful what you wish for. I’ll finish it by saying – because it might bite you on the bum. Many people complained about the Government dictated fuel consumption figures. I’ve discussed this on many occasions. The figures don’t reflect fuel consumption in the real world, whatever that is.

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 figures are measured in near perfect conditions using a rolling road in a temperature controlled room etc. But whilst the conditions don’t reflect what you would encounter in the centre of Brighton or any other city come to that nor do they reflect the conditions you would encounter on the M6, north of Birmingham on a Tuesday afternoon.

The point is that it is impossible to simply come up with a ‘real world’ fuel consumption figure. What Car may seem to think that it is possible and as a result publish ‘Real World’ combined fuel consumption figures but they are simply rubbish. I drove to Birmingham twice within a week. I felt that I was driving pretty much the same.

There was a small hold up around the M25 near Heathrow on one of the trips but other than that the traffic seemed pretty much the same and I was travelling at a pretty steady speed. The big difference was that on one trip the sun was shining and the conditions were dry, on the other it was hissing down. The result was 50.9 on the first trip and 44.1 on the second.

Now according to the handbook the combined fuel consumption should have been about 60mpg but I never expected to achieve that. What it enabled me to do was compare different cars knowing that one car would return a better fuel consumption than the other without knowing exactly how they would compare in the ‘Real World’.

So to my mind whilst the results are far from what I would expect to achieve, especially the way I drive, the Government figures make the most out of a bad situation. But here’s the crunch. In 2017 the EU is pushing for a new emissions test to be introduced. In addition to emissions the test will include fuel consumption checks which experts say will better reflect real world figures.

Now this may be great if you want what some would consider to be more accurate fuel consumption figures but the change to the way that cars are tested could show CO2 emission figures up to 30% higher increasing the benefit in kind tax for company car drivers by as much as 35% (no I’m not going daft it’s to do with the CO2 banding).

Car tax will also increase as will Class 1a NI contributions by employers. It is clear that the current testing system needed reviewing (currently the New European Driving Cycle – NEDC)  because, for example when testing the cars all fuel consuming gadgets are switched off, such as lights, air conditioning etc. and whilst 10% of the test time has the vehicle idling the figures don’t reflect the new stop/start technology. But with greater fuel consumption accuracy, as is expected with the introduction of the Worldwide Harmonised Light-duty Test Procedures (WLTP), comes the bite on the bum. You have been warned. By Graham Hill

Bus Lane (Photo credit: didbygraham)

Years ago, at the age of 21, I worked for the International Perfume manufacturer Faberge as their cost and management accountant. For those old enough to know they were the creators of world changing Brut, the first ever unisex fragrance. One of the advantages of working there was access to cheap bottles of Brut and any other product they sold at the time.

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.

Perks of the job, in the same way that my dad and my brother in law received big discounts on air travel by working for British Airways. But what benefits do those men and women that drive around all day in dayglow cars with flashing blue lights all over them. Not many I would suggest.

They don’t even get to take the company car home for private use in the evening and weekend, the wife might not agree but the kids would love it. One of the few benefits I can see is that motorists seem to get out of the way when they see a police car waiting to move into traffic or are cruising through the centre of town.

You might also assume that they have free access to restricted areas where only busses, taxis and cyclists are allowed and of course bus lanes. After a busy day of chasing around after cracked up 15 year old joy riders, stopping robbers who are likely to pull out a sawn off shotgun from under their seat after being forced to stop by one of these brave boys and girls in blue, you would think that they are entitled a little bit of privilege, such as nipping down a bus lane in order to get home to their bangers and mash.

If you thought that and you live in Birmingham you would be wrong. Birmingham City Council actually send out fines to the police for improper use of their bus lanes. Have you ever heard of anything so amazingly bloody ridiculous. Since last September more than 400 notices were served on the police amounting to £24,000 after putting up signs barring all vehicles, other than buses and taxis of course.

They then used CCTV to catch those driving down the bus lane and issue £30 fines that double after 14 days. So far about a quarter of the tickets issued to the police have been cancelled as the police have proven that the cars were on emergency calls. They have had to use valuable resources to prove that the car was on a shout at the time.

The police have also confirmed that they will be looking into all remaining fines to see if the car was on an emergency call. WHAT??? Instead of stopping villains from duffing up old people and nicking their life savings the police will be busy checking their telemetrics and video footage to see if the drivers were on emergency calls at the time of being caught in a bus lane.

Is it me? Please tell me it’s not me that doesn’t get it? Whoever is responsible in the council for this ridiculous situation, and I don’t care whether you are a man or woman – you are a total knob! By Graham Hill

Related articles

• Councils not amending bus lane signs (bbc.co.uk)

Image via Wikipedia

Now here’s something interesting. I’m sure you’ve seen the signs on the motorway that shows a junction and an idea of the time it will take you to get there, something like ‘You will reach the A3 in 15 miles, 13 minutes’. Not quite sure of the purpose unless you take it as a bit of a challenge and see if you can reach it in 10 minutes whilst an unmarked police Read more »

Multi story car parks go 21^st century in Birmingham. German creator, Wohr, has built a valet multi story car park, without a valet. Cars are driven in through one of four access points by residents and after activating the system with the use of a transponder fob, the car is taken away by the machinery and stored in bays spread over 3 floors, all automatically. When the driver retrieves his car it is returned on a dolly that even turns the car round to be driven straight out in about 2 minutes. UK MD Read more »

A Trading Standard team based in Birmingham have found that an incredible 90% of used tyres being sold by independent tyre dealers and fitted on cars don’t meet minimum legal standards. Among the tyres inspected officers found some with nails embedded in them as well as one tyre that was 17 years old. The investigation, run by the city council and overseen by Trading Standards boss, Chris Neville was a Read more »

I reported last year that ‘staged crashes’ resulting in fraudulent insurance claims was on the increase. However, law firm Keoghs who produce the Annual Motor Fraud Index have shown that the hot spots are spreading in 2009. Along with the major hot spots, as shown below, other nearby towns are now becoming problem areas also. Greater vigilance is needed when driving in these areas to avoid accidents Read more »

We all know we shouldn’t drink and drive but following a study carried out by Lloyds TSB Insurance we shouldn’t have a cold or flu and drive. According to their survey they found that over 125,000 crashes last year were caused by motorists that were suffering with either a cold or flu. This equated to one in ten collisions being caused by people with either of these viruses costing around £350 million in claims. The survey found that Read more »

There are calls to introduce a new law against those staging accidents and making insurance claims, often making claims for injuries to passengers not in the car at the time of the accident. Fraudsters are hiring cars, finding lone drivers, normally women – getting in front of them and slamming on their brakes causing an accident. They sometimes even get cash from the other driver for damage caused to the hire car. Fears that this is reaching Read more »

If you live or travel around Birmingham you will have seen that work has begun on the £150 million scheme on the M6, M40 and M42 to introduce variable speed limits and hard-shoulder running. Two new stretches of the M6 will be opened for hard-shoulder running during peak periods and variable speed limits will be in force on parts of the M6, M42 and M40. The work is part of a £6 billion investment aimed at Read more »

One in five of all reported road incidents involves a parked vehicle. There are 700,000 incidents costing an estimated £1.25 billion to repair. About 80% of the parked car incidents (PCI‘s) occurred on the street. The remainder were in public car parks. The cost of repair averaged £1,800. London topped the list of worst cities in the UK for PCI’s followed by Glasgow, Birmingham, Manchester and Norwich. One in 10 PCI crashes handled by Accident Exchange were recorded in the capital. Main contributing factors to the PCI problems are increased congestion on residential streets and competition for car park spaces. The real fear is that with more information available identifying hot spots the insurance companies may increase premiums so much that residents are priced out of insuring their vehicles. By Graham Hill