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Is in car technology running ahead of legislation now? The Act of Parliament that controls the way that data is handled is the Data Protection Act 1998 and whilst there have been some periphery changes over the years we still rely upon the Act to ensure that we are all protected from miss-use of our data.

But in the days when this Act found its way onto the statute book things were vastly different. Most cars didn’t even have a hands free telephone system fitted let alone the mass of connectivity now fitted into cars. Arguments are appearing all over the place as to who owns the data and it all gets very confusing to the likes of you and I.

Of course not all information is sensitive and can be used by manufacturers to develop new cars and systems as well as provide accurate data to buyers. We all know how inaccurate fuel miles per gallon figures are but with so much data being recorded a manufacturer could average out fuel consumption across thousands of cars and come up with a far more accurate figure than they do at the moment.

But the question is – how to they arrive at this average? They would need to identify when you are driving around town compared to driving across country or on a motorway to measure Urban and Extra Urban figures. And how can this be done? Using GPS used by your sat. nav., even when you are not using the sat. nav.

Is it right that somewhere in the Big Data database there are recordings of where and when you traveled in your car at any point in time? These are questions that need to be addressed by the Government and a new version of the Data Protection Act worked on before Big Brother takes over our lives. By Graham Hill

Bits & Pieces: a) It seems that insurance companies are finally seeing the benefit of having a dash cam (digital camera fitted to the dashboard, windscreen or behind the rear view mirror) with dash cam maker Nextbase coming to an agreement with insurance comparison website, Constructaquote.com.

They will offer those with a dash cam fitted a 15% discount on insurance taken out through their website. This is particularly beneficial to those who privately finance a car but predominantly use it for business as these cars carry a premium that the 15% will help to neutralise.

b) The Government is looking into the proposals for driverless cars to be used on the streets of the UK. Consultations have started on the implications such as a rewritten Highway Code, street signs and the safety features such as lane departure and emergency braking. You can read the consultations by visiting www.gov.uk/government/consultations.

c) Glass’s Guide, the well known valuation experts, have suggested that the decision to exit the EU won’t affect used car prices till quarter 4 2016 at the earliest. Like most ‘experts’ they predicted the first to suffer would be fuel prices and property prices whilst I predicted – no change in my musings straight after the Brexit vote. Before the vote petrol at my local Tesco was £109.9 pence and yesterday – yep, it was the same! By Graham Hill

Nearly 10% of car breakdowns are the result of drivers ignoring vital dashboard warning lights according to breakdown service provider, Green Flag. Their research revealed that drivers took an average of 71 hours to react to a light on the dashboard indicating a potentially serious problem.

One in ten continue to drive with a potential engine fault for nearly a week whilst ABS problems took 76 hours, on average, to address. A small percentage took over a month to take action to sort out a problem and 3% admitted that they had damaged their vehicle further by not reacting to a problem identified by a warning light.

As Green Flag pointed out the biggest problem is that drivers don’t know what the lights mean or even the difference between red, orange or yellow, green and blue lights. And many of the symbols are not fully understood. Nearly a quarter failed to recognise low tyre pressure warnings and 1 in 5 didn’t recognise an engine warning light.

Strangely, those aged 18 to 34 were the worst offenders. Nick Reid, the head of rescue at Green Flag pointed out that, ‘The majority of breakdowns across the UK each year are avoidable, so take time to check your car, ensure everything is working and pay attention to any warning lights on your dashboard.’

Dash warning lights can be anything from advisory, i.e. put on your seatbelt, to warnings that could cause serious damage to your car if ignored, such as low oil levels. You may also fully or partially invalidate your warranty as you may have moved from a cheap repair to an engine replacement through your lack of action. So if you don’t understand the warnings it would be wise that you check them out and remember the red warnings are urgent!! By Graham Hill

The Financial Conduct Authority (FCA) has issued warnings about a number of scams that are doing the rounds perpetrated by brokers who are not authorised by the FCA.

They will be looking to take action against such companies when they are found but in the meantime the onus is on consumers to make sure they check that the person providing the finance/advice/services is properly authorised.

Especially the case when you are asked to part with money upfront as a commitment fee or a deposit to secure a car that will be financed. Their advice is ‘We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are.’

And here’s the rub, if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme. So as I pointed out recently the first consideration should not be the rate that you are offered, be that a lease rate or APR, but the company that offers it and will represent you going forward. You have been warned – yet again! By Graham Hill

When I was out with my mates on a Friday night when I was in my twenties, our topics of conversation didn’t include things like the economy, immigrant crisis (although with the surge of immigrants from India and Pakistan at the time maybe it should have been), the weather or the price of a loaf of bread.

As none of us was particularly passionate about football it meant that the whole of the evening was taken up discussing women, cars and more cars. We were preoccupied with radial tyres, straight through exhaust systems and go faster stripes but the new generation of car drivers struggle to understand the concept of checking oil levels and tyre pressures, more interested in the number of watts that the stereo system kicks out and whether the car has heated seats.

There is still a passion for driving cars but not for the way cars are made and run, hence the reason why I believe we have a serious skills deficit in this country. We know that there is a lack of doctors and nurses and some joke about the number of plumbers, electricians and carpenters that have come to the UK from Poland, because we have a lack of qualified specialists in the UK.

But I wasn’t aware that we had a similar problem in the car industry. It seems that manufacturers are having to look abroad for people to work in engineering and on the factory floor because we have a severe skills shortage. I was as surprised to read that it doesn’t stop there.

We even have a severe shortage of sales staff to work in dealership showrooms. Andy Palmer, CEO of Aston Martin who started working with the company as an apprentice, said that the problem spreads wider than the manufacturers.

The problem exists within the manufacturers of hi-tech parts that fit into the cars, they are also having to search abroad for labour or have the parts made abroad and import them. Part of the problem is the growth of the industry which is suffering from its own success.

Whilst the industry continues to grow faster than most other industries, with not enough people to fill the vacancies, there will continue to be a need to bring in labour from abroad, something that this Government seems to be fighting against. The same problem exists in my industry, that of brokers.

When I attend events that are attended mainly by finance brokers it is clear that our industry doesn’t encourage women to join the industry and with an average age closer to 60 than 20 there are few youngsters coming into the industry. This is all very worrying. By Graham Hill

We seem to be having a week of environmental issues! MP’s have prepared a new clean air report for consideration by the Government. In it they recommend that a new scrappage scheme be introduced for diesels and vehicle excise duty (car tax) should be based on nitrogen oxides as well as CO2 and not just CO2 as it is at the moment.

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The report was presented to the Chancellor before his Autumn Statement by the Environmental Audit Committee in a hope that he would take note and encourage people out of ‘polluting diesels’. The chairman of the committee, Huw Irranca-Davies, urged the Chancellor to strike a better balance, he went on to say ‘A National scrappage scheme could provide a shortcut to cleaning up the air in our cities.’

Whilst the Chancellor only retained the 3% benefit in kind loading on diesels in the Autumn Statement that’s not to say that more won’t be done in next year’s budget. My own view is that whilst we should focus on the environment we should stop all this knee jerk reaction, the like of which we’ve seen following the VW debacle.

They did it with pay day lenders which has ended up taking out competition and increasing the use of illegal money lenders and by extending the rules into the whole of the consumer finance industry, to an unnecessary degree, they could end up pushing us back into recession.

Things may look good for the Chancellor at the moment but will it still look quite so rosy in a year’s time when ‘affordability tests’ become the focus of attention by the PPI lawyers? By Graham Hill

Are our roads safe enough? Safety organisations and fleet operators think not and are calling for a re-introduction of safety targets called ‘road safety reduction targets. They were first introduced in 1987 but were axed by the Government in 2010.

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The targets were believed to have helped to reduce road deaths and serious injuries on the road each year. Whilst the targets were discontinued in 2010 the road safety community believe that we are now missing a vital component in the tools that make roads safer.

Trade journal, Fleet News, along with the ACFO and the BVRLA have joined forces to try to convince the Government that they need to re-introduce the targets. However, the DfT have said, ‘Britain continues to have some of the safest roads in the world, but every death is a tragedy and we are determined to do more.’

He went on to explain, ‘We are making sure we have the right legal, education and investment frameworks in place to make our roads safer. We have already introduced new laws, given the police tougher powers to tackle dangerous driving and are investing billions to improve the conditions of our road network.

Local authorities are best placed to decide how to use these frameworks to make their roads safer, rather than having centralised national targets.’ Richard Owen, Road Safety Analysis operations director, pointed out that the current Government was opposed to use targets to dictate policy. He said, ‘An example of this is hospital waiting times. This was forcing hospitals to meet numbers and it was having a detrimental impact on patient care.’

However, UK safety bodies believe that targets do make a difference. There is a wider EU target to reduce road fatalities by 50% by 2020, but a lack of clear UK targets takes away focus and sends a message that road safety is not a priority. The DfT’s Reported Road Casualties In Great Britain Annual Report 2014 shows that 1,775 people died on the roads (a 4% increase on the year before). A further 22,807 were seriously injured (a 5% increase).

Casualties of all severities rose to 194,477 in Great Britain in 2014, an increase of 6% over 2013, interrupting a steady downward trend since 1997. Pedestrians and bike riders bore the brunt of the increase. Pedestrian deaths increased by 446, an increase of 12%, accounting for three quarters of the overall rise in fatalities. Serious injuries to cyclists rose by 8% to 3,401continuing a long term trend that has been ongoing since 2004.

In response to the figures Julie Townsend, deputy chief executive at safety charity Brake commented, ‘We should be under no illusions as to the seriousness of these figures’. Brake join forces with the RAC Foundation and the Institute of Advanced Motorists in calling for the re-introduction of Safety Targets. I find myself agreeing. By Graham Hill

It is very rare for me to run so low on fuel that I am forced to stop at a motorway service station to take on board some diesel but on those very rare occasions it is really irritating to find that the price they are charging is about 20p per litre more than my local Tesco – without the points!

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So I applaud the latest Government initiative through the Department for Transport to pilot a motorway sign that forewarns drivers well in advance the cost per litre at the next three motorway service stations. This scheme is set to force down the cost of fuel on motorways as it introduces competition.

Knowing that petrol is 128.9 pence per litre at the next service station in 3 miles but only 125.9 at the following service station in 32 miles, provided you are not running on fumes, you would probably hold on till you reach the following services. The trial will start at the end of the year between 5 different services between Exeter and Bristol on the M5. A further 3 signs are planned to follow in 2016.

The trial followed research that found motorway services charging more than 15p per litre than other forecourts. The initiative was welcomed by Auto Express who had found large variances between motorway services, up to 10 pence per litre and the AA who have been calling for fuel price transparency on motorways for years.

If the trial is successful the Government will consider extending the scheme across the 2,300 miles of motorways in the UK. Let’s hope they do. By Graham Hill