The Difference Between A Car Mechanic & Fitter Explained

Tuesday, 23. September 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.

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.

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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

No Tax Discs After 1st October 2014

Thursday, 18. September 2014

Did you know that as of 1st October 2014 tax discs exist no more? It would seem that half the drivers in the UK are unaware of this fact so let me explain what is happening. But before you get excited it doesn’t mean that you don’t have to tax your car it simply means that you don’t have to display a disc which is expected to save the DVLA £10 million each year in this move to go paperless.

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.

It also means that as of the 1st October, if you already have a disc, you can take it out of your windscreen, all part of the announcement made by the Government in the Autumn statement. In addition to no longer being required to display a tax disc there is another move over which car traders and dealers may not be so happy.

Cars used to be sold or part exchanged with a bit of tax left on it either giving the buyer some refund to trouser or giving the seller something to negotiate with when selling her pride and joy. In future, as soon as the DVLA are notified that a car has been sold a refund for the balance of unused tax will be sent to the previous owner. As before refunds will only be issued for complete months that are unused whilst the new owner must apply immediately for the tax using the relevant portion of the V5C.

Another, somewhat strange change, given the way that road tax has been coming down as CO2 emissions continue to reduce, is the ability to pay monthly. Paying monthly will increase the annual cost of the licence by 5% but drivers will be able to pay by direct debit to avoid forgetting and receiving a fine. In what I thought was a funny twist, paper tax discs are still being sent out till the end of September but the DVLA ran out of perforated paper so drivers are having to cut them out themselves.

I can just imagine the dog’s dinner that some have ended up with after attacking the disc with a pair of nail scissors or garden shears! So to sum up: You can still pay for your disc at a Post Office, online or monthly and you’ll still get a reminder. You can no longer transfer the tax, it is automatically refunded when the car is sold or scrapped and the DVLA advised. You will be able to check the tax status of any car by going online and typing https://www.gov.uk/check-vehicle-tax then typing in the car registration and make.

In future you won’t see traffic wardens peering through car windows unless they are being nosey or are perverts. In future tax checks will be carried out by police with plate recognition cameras, wardens will have access to the DVLA database and static plate ID cameras will crop up and will enable the authorities to raise instant fines to those drivers whose cars are captured without tax or insurance.

Driver and Vehicle Licensing Agency

Driver and Vehicle Licensing Agency (Photo credit: Wikipedia)

And don’t forget that you need to do nothing other than remove your tax disc on the 1st October and maybe keep hold of to hand down to your grandchildren for posterity. By Graham Hill

Company Cars Becoming Popular Again

Saturday, 27. August 2011

BMW Logo in Düsseldorf Hellerhof: Hans Branden...

Image via Wikipedia

There seems to be a move back to company cars from cash for car alternatives. A few years ago when the Government changed the way the benefit in kind tax was calculated to a CO2 based system there was a big move to cash for car alternatives. Drivers liked the idea of driving a 3 year old BMW rather than a new Ford Mondeo but BMW’s are Read more

New Eye Test Laws For Drivers

Sunday, 24. April 2011

The EU are about to do it to us again, impose a new law on us concerning eye tests. The impending legislation will require van drivers to have their eyes tested every 5 years and private motorists to be tested every 10-15 years. In the past there has been no law governing eye tests although most responsible employers offered them to their employees Read more

Graham Hill, Car Finance Expert Gives The Lowdown On The New Showroom Tax

Monday, 5. April 2010

Lease rates will have to increase for some of the larger ‘gas guzzlers’ as a result of the new showroom tax. However, there are some winners. If your new car spits out less than 130 g/km of carbon dioxides then you will pay no showroom tax and low road fund licence (car tax). The highest showroom tax is £950 for vehicles throwing out over 255 g/km of carbon dioxides. Aimed at discouraging large environmentally Read more

Graham Hill, Car Finance Expert, Explains The Car Tax Row

Sunday, 28. March 2010

The new road fund licence rules come into force on the 1st April. For some it is good news as those with low emission cars will see the cost of their RFL or road tax reduced, in some cases to zero, but a big row has broken out because drivers have to renew before the 1st April to ensure that the car is taxed at all times but because the DVLA was having a cup of tea they couldn’t be arsed to change their computer Read more

New Showroom Tax Set To Hit Gas Guzzlers

Monday, 22. February 2010

From the 1st April 2010 the new showroom tax is being introduced to severely penalise the most polluting cars. In addition the annual road fund licence (tax) increases also. In essence the showroom tax includes the first year’s road fund licence. The bandings run from A to M with A representing cars with CO2 emissions of less than 100 g/km with M representing cars emitting 265 g/km or more. For vehicles emitting Read more

Tax Changes Encourage Green Vehicles

Monday, 6. October 2008

Next year should see an upsurge in contract hire sales as the new tax rules kick in. Professor Peter Cooke of the Centre of Automotive Management at the University of Buckingham (and one of my fellow contributors in Motor Finance journal) warned that the tax changes, to be introduced next year, will have a profound impact on the way that businesses fund their cars. Next year will see Read more

Find Out Your Car’s CO2 Emissions & RFL Cost

Friday, 6. June 2008

If you are getting worried about the affect that the new car tax (road fund licence) will have on your new car if you are considering a change but you are unsure as to how the changes will affect you over the next couple of years – fear not as I have come across a website that will provide you with all the info that you need. You simply enter Read more