Graham Hill Challenges The FCA Over Sub Prime Lending
Wednesday, 22. October 2014
Wednesday, 22. October 2014
Tuesday, 5. August 2014
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.
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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
Wednesday, 28. May 2014
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
Saturday, 24. July 2010
I can’t remember writing about the emissions based parking charges introduced by Richmond council in South West London although I seem to remember reading about it somewhere. Anyway, forget it as it’s just been scrapped. The scrapping of the scheme flies in the face of those that argue that local authorities and central Government use the ‘green argument’ as a means to screw more money out of the motorist when Read more »