Leasing A New Car That May Not Be Latest Model

Saturday, 25. October 2014

Hi, Graham Hill here, thank you so much for visiting my blog, I hope you learn a lot and as a result end up driving a great car. In order to do so you can get all the information you need by buying my book, An Insider Guide To Car Finance or use me to finance your next car. Happy driving.

If I was to sell you my used Vauxhall Astra and it had a badge on the back that suggested that it was a top of the range Elite when in fact it was an entry level Exclusiv, there wouldn’t be much you could do about it unless I had advertised it as a fully spec’d Elite. The same would apply if the car I was selling was a 2010 car but was 2009 model year spec. Exclusiv.

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 fact is that you can inspect the car and see that the car doesn’t have leather seats, electric rear windows or fog lights that were fitted on an Elite as standard when the car was new or the addition of fog lights and sat nav when the car changed from 2009 to 2010. You see exactly what you are getting so the basic rule of Caveat Emptor – buyer beware prevails.

Of course this isn’t the case with a new car that you don’t get to see before you buy it or lease it. With some cars changing model spec at least once if not twice every year you may not receive what you thought you had ordered. Especially as manufacturers will throw a few thousand pounds across the bonnet (that’s dealer speak for bonus) of the outgoing model in order to sell them quickly to make way for the new model coming out.

Whilst this represents great value for money (we currently have deals on top of the range outgoing Focus models) you may not be told that the cars on offer are not the new model cars. Some may be pre-registered whilst others may just be stockpiled so whilst I would be suspicious if the cars are pre-registered, suggesting old model cars, that may not be the case if they are unregistered.

If unregistered you might assume that the car you will receive will be the car advertised on the manufacturer’s web site with at best a different spec. at worst a completely new shape. Manufacturers will also advertise a new model maybe 2 months in advance of launch, again fooling you into thinking that the car you just ordered is the new model. So always check with the supplier that the car you have ordered is the car you want? Don’t simply be tempted by a cheap rate. By Graham Hill

The Difference Between A Car Mechanic & Fitter Explained

Tuesday, 23. September 2014

When you take your car in for servicing or repair is it dealt with by a fitter or a mechanic. Personally, until recently, I didn’t know the difference and frankly it isn’t something that keeps me awake at night.

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.

But in new guidelines issued by the Government, as part of its plans to licence garages, it apparently fails to identify the clear distinction between the two which has upset a few mechanics. So to clarify, a fitter is someone who simply changes components as recommended by the manufacturer/computer.

Whereas a mechanic is someone who needs a much greater understanding as to how things work. So there you have it, recognition at last for the mechanics who have been confused with those far less qualified fitters! By Graham Hill

Graham Hill Insists First Aid Should Be Taught In Schools

Monday, 22. September 2014

If you are a regular reader of my blogs/newsletters you will know that I am passionate about bringing into schools a new subject we could call – Life Skills. This should include basic things like cooking (partially covered already in schools), ironing, housekeeping and budgeting.

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.

Driving and early education about the dangers of driving should be included and even take the theory test in school. Finance should be included, how a loan works and how to take out a loan/mortgage/credit card and what you should do if you find yourself in difficulty. Another critical life skill is first aid. This should be taught at school and could save lives.

The Institute of Advanced Motorists and Driver First Assist (DFA) surveyed groups of motorists, 50% of whom said they would stop at an accident to assist if they arrived before the emergency services turned up but one in five wouldn’t administer first aid for fear of doing something wrong.

This is very bad. The DFA said training in reporting a crash correctly and life-saving first aid could cut deaths by 46%. That is staggering. It’s about time these life skills were introduced into the National Curriculum. By Graham Hill

Incorrect Economy Ratings Mean Cheaper Tyres Could Be Better Value

Tuesday, 5. August 2014

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

UK Drivers To Pay To Drive On German Roads

Wednesday, 23. July 2014

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

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

Latest Mobile Phone Charger Contains 5 Charges

Sunday, 15. June 2014

You may remember the days when a mobile phone battery only lasted for 4 hours before it ran flat so the solution was to carry a spare battery that sat in the charger with the phone giving you 8 hours of standby time and 60 minutes of call 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.

Then the new batteries came along and increased substantially the standby time and talk time meaning that you could be out for a complete day and not think about the phone dying on you but what if you are nowhere near a USB connector or unable to plug in a charger? The answer could be a mobile charger.

You charge up the mobile charger which then stores enough electricity to charge your mobile around five times before the charger itself needs charging. Unfortunately the power pack takes around 5 hours to charge but given the extra range that it gives your mobile phone I don’t think that is too bad.

One such device is the Just Mobile Gum++ Charger which fits into the palm of your hand. It costs 69.95 Euros (£57) and can be bought online. Go and have a look by visiting www.just-mobile.eu well worth a look. Oh one last thing it can only be charged via a USB connector, it doesn’t come with a mains plug. By Graham Hill

Licence Renewal Age To Be Increased To 80

Thursday, 8. May 2014

Currently when you reach the age of 70 you have to renew your driving licence. However, according to the Department for Transport this should be extended to the age of 80 in order to reduce DVLA costs and make it more efficient.

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.

Following a review, on behalf of the Government, the DfT concluded that we should change the rules to bring the UK in line with Europe who already have a renewal age of 80. At present there are over 4 million motorists over the age of 70 which represents a substantial amount of administration at renewal time, so by extending the renewal date the admin costs will be cut significantly.

But safety campaigners object to the proposal on the grounds of health and safety. In fact they suggest that there should be increased controls on the elderly not less which could cost lives. I don’t agree, not least of which as I am edging my way towards 70 I don’t really want to have to renew my licence.

Department for Transport

Department for Transport (Photo credit: Wikipedia)

On the other hand the government could take the savings and fix a few more potholes which would prevent many more accidents than extending the licence renewal dates! By Graham Hill

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Audi Develops A Way To Prevent Drivers From Waiting At Traffic Lights

Monday, 5. May 2014

Back in the 60’s, when I lived in Slough, obviously we are talking a very young age, they came up with a unique traffic calming system on the A4 that ran alongside the huge industrial estate.

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They had a series of traffic lights, about 8 I believe, and if you stuck exactly to 30mph you would breeze through the lot without stopping, much to the joy of the locals and much to the annoyance of them there strangers just passing through.

My dad would be sitting at the lights and a boy racer would turn up on the outside lane with his supped up Cooper S, sitting at the lights whilst revving the piston rings out of the car and glancing over at my dad who would have a bit of a wry smile on his face. Lights change to amber and the Cooper S is off like brown smelly stuff off a shovel.

Next set of lights he would be sitting there whilst the old man sedately cruised by at 30mph just as the lights turned. And so on and so on. Why have I shared these joyous memories with you? Because technology has finally caught up nearly 50 years later thanks to Audi. They have brought out a traffic light recognition system that they say could put an end to waiting at the traffic lights.

The system works via the in car’s Audi Connect which creates a link between the car and the local traffic light network. The system displays a required speed that the driver must stick to in order to smoothly glide through each set of traffic lights.

The system is apparently developed and ready to go. Can’t wait! Oh, and if you are driving down the A4 and the traffic calming is still operational I’d love to know. Drop me a line! By Graham Hill

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The Dangers Of Buying Used Cars Following The Floods

Tuesday, 8. April 2014

Flooding on our street

Flooding on our street (Photo credit: jessicafm)

We saw the sad pictures on TV following the floods in various parts of the country. People’s homes were wrecked with thousands of pounds of damage caused to furniture and possessions.

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But what about all the cars we saw up to their bonnets in muddy water. Many would be subject to insurance claims and be paid out with a large number being written off according to the AA. And if a car is written off they are subjected to some very stringent rules before, if ever, they are allowed back on the road.

But it would seem that many drivers either didn’t make a claim or couldn’t because their policy didn’t cover them for flood damage. They simply dried the car out, maybe changed the carpets and have been selling them privately or through auction, possibly ending up on dealer forecourts.

Amazingly 70% of all cars that have been submersed in water are written off due to engine damage or electrical safety problems. Water can also seriously damage air bags and catalytic converters, something you may not notice when buying a used car. So be very careful if you are buying a used car, you might find yourself buying an ex flood damaged car. By Graham Hill

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Beware Of Accident Claims Management Companies

Monday, 7. April 2014

Over the years there have been many reports about claims management companies, otherwise known as ‘ambulance chasers’ allegedly paying off police, health staff and insurance staff for details of anyone involved in car accidents. They then contact the driver to see if he or his passengers suffered any personal injuries and offering to manage any claims, whether injuries were suffered or not.

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.

In extreme cases those involved in accidents have been ‘encouraged’ to make a personal injury claim after suggesting that a little bit of residual back pain could be whiplash. They also provide a management service including a hire car that is recharged to the insurance company.

You could often deal with these things much more efficiently yourself or via your broker than using the claims management company who have been known to recharge the insurance company with the cost of renting a BMW and providing a Citroen C1 (that’s nothing like a BMW).

The latest occurrence of this crime was a crooked staff member working for AVIVA Insurance who passed on details of accident claims to claims management companies. Drivers started getting calls from several claims management companies offering their services – free of charge following an accident.

They would say that they would look after the whole of the accident claim on your behalf. One gentleman had a simple bang into his neighbour’s car which was settled immediately, he then had up to 5 calls a day from accident management companies offering legal advice to cover his ‘injury claim’ when there clearly wasn’t one.

The AVIVA employee has been sacked and an investigation is being carried out by the police and AVIVA have confirmed that no personal or medical data has been passed on and apologised. Their advice, which is the same as mine if phoned, is simply say the claim has been settled and hang up.

They are charlatans trying to make a quick buck whilst increasing all our premiums. I’m sure, whilst greed exists, we haven’t heard the last of this type of crime. Just don’t get into a conversation whenever they call. By Graham Hill

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