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Graham’s gadget of the week is the CG-Lock system, which you fit to your seatbelt. The system causes you to be held into your seat more firmly which makes your belt safer and improves your posture. The system comes highly recommended and finance company Arval who has been testing out the system with their staff. The device is palm sized and takes up the slack in the seatbelt keeping the user in the safest position. It also keeps the seatbelt across the pelvis rather than the stomach. Arval Read more »

Buying a used car from a dealer? Then you should be more aware of your rights according to the Office of Fair Trading, who have reported that the number of complaints against dealers, for faults that have come to light within the first 3 months, has increased by 18% during the first half of 2010. The Office of Fair Trading Direct received over 38,000 complaints and, as Michele Shambrook of the OFT pointed out, ‘Most of the faults that come to light are the dealer’s responsibility.’ Had a bad used car experience when purchased from a car dealer, please let me know? By Graham Hill

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• Second-hand car complaints soar (bbc.co.uk)

Now here’s something you probably didn’t know about. We all know that if we are convicted of speeding and receive the automatic points on your licence you must declare that to your insurer immediately and suffer the increase in premium. Some insurers don’t increase the premium if it’s your first speeding fine but others do so check with your insurer. But here’s the thing, what happens if you are caught speeding, but as an alternative to a fine and points on your licence, you are given the Read more »

It would seem that magistrates have gone soft, as a result of the recession, if you have accidentally reached the automatic driving ban of 12 points on your licence. Some say this is wrong and that the ban should be automatically imposed, especially in extreme cases like the driver who was allowed to keep his licence even after he amassed 54 Read more »

The dangers of using insurance comparison sites has been highlighted by incidents in which payouts could be avoided by the insurers because drivers have been confused by some of the questions that may have been handled differently and more clearly if an actual broker helped you to compete your application form. As most people know insurers have to be made aware of any modifications that have been fitted to the car. If the mods have not been declared the insurer could refuse payout in Read more »

As the number one car finance blogger IN THE WORLD I will soon be launching a mission to make the important small print in contracts – BIG PRINT. As an example of what I mean I’m grateful to Auto Express. They highlighted the case of Zubin Morar who took out a Car Care Plan insurance policy to cover his tyres against accidental damage. Zubin from Middlesex has a BMW 530i and unfortunately hit a pothole in Read more »

I’m all for making roads safer, especially when we are talking about making roads safer for children but sometimes I thing we go a little too far when it comes to health and safety when actions seem to be taken for the sake of taking them. Some of my favourite country fetes have been stopped from taking place because, thanks to health and safety, the insurance costs would be more than they raised for their local Read more »

Are you a ‘rager?’ Not to be confused with the street slang ‘hater.’ Apparently a rager is someone who suffers from road rage. And what is the biggest cause of road rage? Well, according to the Institute of Advanced Motorists, who surveyed 1,400 motorists, they rated tailgating as being the most likely cause for road rage and turn you into a ‘rager.’ For those that aren’t too sure of the expression, tailgating, it’s when Read more »

Another email warning, again believed to be a hoax, warned drivers of attacks from criminals who throw eggs at the windscreen of your car or van causing the driver to operate the windscreen wipers, making matters worse. Driving becomes impossible if the driver then sprays the windscreen with windscreen wash as it reacts with the eggs to produce an opaque goo, making it impossible to drive and force you to stop, which is exactly what the criminal wants. Again, there is evidence of eggs being Read more »

The warranty arguments are starting to build – exactly as I predicted. Warranty Direct, one of the largest providers of aftermarket warranty insurance, first of all complained that Kia and Hyundai’s new extended warranty adverts did not make it clear that the warranty had a 100,000 mile ceiling, the same as the widely promoted Vauxhall ‘Lifetime’ warranty. The Advertising Standards Authority (ASA) agreed Read more »