Diesel Part 1 – The Latest RDE2 Standards

Thursday, 2. May 2019

The hope is these latest diesel engines could offer some respite to the beleaguered fuel, turning the tide on the anti-diesel rhetoric.

 

However, EU law-makers, who decided to subdivide the Euro 6 standard, rather than call RDE2-compliant cars Euro 7, have not helped that cause.

 

When the new vehicle emissions test, WLTP, replaced NEDC for all new type approvals in September 2017, the Real Driving Emissions (RDE) test was also introduced to offer an on-the-road measurement.

 

The limits for emissions remained the same but the testing regime changed and was reflected in a new standard – Euro 6b became Euro 6c.

 

Under the RDE test, the car is fitted with a portable emission-measuring system (PEMS) before being driven for 90 minutes on public roads in different conditions, with both uphill and downhill driving, and a mix of urban and rural roads and motorways.

 

It is being introduced in two stages, the step 1 test – RDE1 – became compulsory for all new type approvals from September 1, 2017, when WLTP was also introduced.

 

RDE1 will become mandatory for all new registrations from September 1.

 

WLTP testing, which takes place in the lab, has been mandatory for all new registrations since September 2018, with diesel cars having to meet the NOx limit of 80mg/km and petrol 60mg/km, with cars achieving the limit labelled Euro 6c.

 

New type approvals, however, have also had to meet the limits on-the-road from September 2017.

 

The EU has cut manufacturers some initial slack, allowing for a margin of error two times the actual limit. Cars achieving RDE1 are classified as Euro 6d-temp.

 

However, the rules will begin tightening from January 2020, starting with new type approvals.

 

This next stage, RDE step two (RDE2), is the measure now being achieved early by some manufacturers, giving fleets and company car drivers the benefit of a tax cut first announced in Budget 2017.

 

The NOx limit for the RDE2 standard is up to 1.43 times the Euro 6 lab limit of 80mg/km for diesel and 60mg/km for petrol. Cars achieving this limit are labelled Euro 6d.

 

RDE2 will apply to all new registrations from January 1, 2021, before the margin for error – the conformity factor – will be removed by 2023. By Graham Hill (Thanks to Fleet News)

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Claiming Compensation For Pothole Damage

Thursday, 25. April 2019

In 2012, a lawsuit was brought up against a McDonalds restaurant due to a slip and fall injury. In the suit a 54 year old woman claimed to have suffered a severe injury to her spine.

 

Over the course of the investigation, it was determined that the owner had received the proper guidelines on maintaining a clean working environment while keeping things safe and clean.

 

The final verdict came in that the staff of McDonald’s failed to follow the inspection protocol and there was spilt food/drink and the woman won $2.6 million in economic damages and $3 million for non-economic damages for diminished quality of life.

 

Whilst compensation in the UK is nothing like the compensation paid out in this case similar rules apply in slip and fall cases. And if my memory serves me correctly the lady involved actually spilt the ketchup in the first place.

So what has this got to do with potholes? When the roads in this country first started to deteriorate local authorities found it cheaper to pay for the occasional tyre blowout and bent alloy than repair the roads. You would take a photo of the pothole and send it with a receipt for the repair and the local authority paid out instantly.

 

Similar to the responsibility of those who maintain public spaces to make them safe for the public you would assume that the same applies to local authorities when it comes to potholes. But it seems to have changed and the same rules of responsibility apply. You now have to prove that the local authority was already aware of the pothole and did nothing about it. Or doesn’t have a maintenance programme in place. This has got to be wrong.

 

I always recommend that you take legal cover with your car insurance as they can give you legal advice in these circumstances and even send you a legal letter that you can use when claiming compensation. If you have a winnable case they may even take the council to court on your behalf..

 

If you haven’t got legal cover you can upgrade your policy or the RAC offers a very good policy for just £15 per annum. Always take advice from a financial advisor before taking out insurance. By Graham Hill

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Do You Really Know How Vulnerable Your Car Is To Cyber Attack?

Thursday, 25. April 2019

It wasn’t that long ago when it was only top of the range cars that had mobile Bluetooth connectivity which meant that the internal storage in the car would store all of your phone book. You, therefore, had to delete your phonebook if you didn’t want the new owner to have access to your list of family, friends and contacts.

 

Things have now moved on and even the most modest of cars has a pile of data stored about you. What Car has looked into this and come up with a list of things you can do to protect yourself from a cyber attack.

 

  • Keep in touch with your car’s manufacturer regularly to check whether it has issued software updates or recalls to improve security. Alternatively, you can see if your car has an outstanding recall notice at gov.uk/check-vehicle-recall.

 

  • To minimise the impact if your car and/or sat-nav is stolen, use any security features your sat-nav offers and think about regularly wiping all the data, such as your home address, from the system.

 

  • If your car has built-in wi-fi, never leave the default password on it and never leave a note of the new password inside the car.

 

  • Turn your car’s wi-fi and Bluetooth off when you’re not using them.

 

  • If you download any smartphone apps that will be processing payments for your car, such as road toll fees, make sure they’re password-protected.

 

  • Make sure your smartphone’s operating system and apps are the latest versions; updates are often issued to patch possible security vulnerabilities that can give cyber criminals access to your phone.

 

  • Protect your social media accounts by making sure you’ve activated the privacy settings. With Facebook, avoid public updates and only send posts to your friends. With Twitter, you can’t be as selective.

 

  • Protect your home by making your car’s sat-nav less accurate. If you don’t want cyber criminals to know where you live, instead of setting your home address to your house, consider setting the shortcut to a nearby junction or the closest motorway exit.

 

What to do if you’re selling your car or returning a hire car

 

  • If you’ve paired your phone to the car to access hands-free operation, go into the Bluetooth set-up menu and remove your phone from the paired phones list, as well as deleting your contacts if they’ve been downloaded onto the system.

 

  • Check the car’s manual to find out how to clear all your private data from the infotainment system. It might be listed as a ‘factory reset’ option.

 

  • If your car has web-connected services that bring data from your favourite apps and social networks to the dashboard, disconnect this. If you don’t, other drivers might be able to gain access to your Facebook and Google accounts. To wipe the information, you’ll need to reset the infotainment system to its factory-fresh state.

 

  • If your vehicle has an integrated remote control that you’ve paired with your front gate or garage door, your vehicle is essentially a gigantic key to your house. Check the instruction manuals for your electric gate or garage door for resetting instructions.

 

By Graham Hill

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Bugs Throwing Themselves On Your Windscreen Could Land You With A Fine & Points

Thursday, 25. April 2019

It’s that time of year when sap starts falling from the trees, birds feel the need to leave a present on your windscreen and bugs start committing suicide by throwing themselves on your windscreen. The net result is a difficult to see through windscreen.

 

If this happens you need to clean it as quickly as possible because it’s illegal to drive your car when the screen is difficult to see through with some hefty penalties.

 

Car owners have a responsibility to make sure their driving doesn’t negatively impact other motorists.

 

One way this could happen is by having a dirty windscreen or another glass surface which is required to be clear while on the road, such as the side mirrors or rear windscreen.

 

Having a filthy windscreen could impair your vision and similarly your decision making and reaction times and could lead to an accident.

 

Regulation 30 of The Road Vehicles (Construction and Use) Regulations 1986, says that drivers are required to keep class surfaces clean and clear.

 

“All glass or other transparent material fitted to a motor vehicle shall be maintained in such condition that it does not obscure the vision of the driver while the vehicle is being driven on a road,” the law states.

 

If you were to have an accident as a result of having a dirty windscreen then you could be fined and charged for careless driving.

 

Punishments for careless driving range from an on-the-spot fine of £100 and three penalty points.

 

However, if your case was to go to court then you could see that fine increase to a massive £5,000 and receive up to nine penalty points.

 

Serious offences could also see you lose your driving licence.

 

Neil Greig, Policy and Research Director at IAM RoadSmart, said: “Careless driving is all about penalising the negative impact you have on other drivers.

 

“If a dirty windscreen is stopping you from driving safely then you should expect to be caught and charged.

 

“Not having clear vision in low sun situations is a really serious issue.

 

“In 2016 ‘dazzling sun’ was recorded by the police as a factor in 28 fatal crashes, 463 serious injury crashes, and just over 2,100 slight injury crashes.

 

“The best solution is to keep your windscreen clean, inside and out, and to carry a pair of sunglasses all year round.”

 

In order to keep your screen clear AutoExpress have tested a number of windscreen washes. Their Best Buy for 2019 was Dirtex Aquaphobic Screen Wash as a cost of £13.95 for a litre. Visit www.chipex.co.uk . Their Recommended award went to Angelwax Clarity at a cost of 7.95 per litre. Both were evenly matched but Dirtex edged out Angelwax as the dilution ratios actually made Dirtex cheaper.

 

So don’t risk a fine and up to 9 points on your licence.   By Graham Hill

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New Phone Detection Warning Signs To Be Introduced

Friday, 12. April 2019

New mobile phone detection warning signs are being rolled out by Thames Valley and Hampshire police forces.

 

The system, developed by Westcotec, comprises a sensor capable of detecting vehicles where there are active 2G, 3G and 4G phone signals, and an LED warning sign located a short distance along the road.

As long as the activation meets certain pre-determined parameters, the sensor will pick up that a driver is using a phone for calling, text or data purposes and will activate the warning sign. This shows an illuminated mobile phone icon within a bright red circle and diagonal red line.

 

The device is purely about education, warning drivers and being able to identify when the driver was on the phone. It is the first such system to have a direct interaction with a mobile phone offender.

 

The technology can detect if a driver is using Bluetooth, and will therefore not trigger the warning sign. However, the manufacturer accepts that some activations might be triggered by non-driving occupants.

Norfolk County Council was the first to trial the road signs last year, but this is the first time that the police has decided to deploy the technology.

 

The forces say the two detectors, which cost £6,000 each, will be located on the A34 in Oxfordshire but will be posted at different locations throughout the Thames Valley and Hampshire to start – but more could be rolled out.

 

Matt Barber, deputy police and crime commissioner for Thames Valley, told the BBC that the system was “not fool-proof”, but said that the police needed to “make it as socially unacceptable to use your mobile whilst driving as it is to drink and drive”.

 

PC Liz Johnson, a roads safety officer, said research suggested a driver was four times more likely to crash if they were using a phone and twice as likely to be involved in a fatal collision when texting compared with drink-driving.

 

“It is vital that people take notice and stop using their mobile phones whilst driving,” she added.

 

Drivers caught using a mobile phone while driving are currently fined £200 and given six points on their licence. By Graham Hill

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Ford Introduces A New Key Fob To Stop Modern Car Thieves.

Friday, 12. April 2019

Having only just spoken about the increase in car thefts by crooks able to pick up the signal from your keyless keys inside your house using modern technology, Ford has enhanced the keyless entry technology on new Fiesta and Focus models to make them harder to steal.
The keyless entry fobs now become disabled when not in use to prevent “relay attacks”, where thieves use a computer device to boost the signal from keys stored inside your house to steal a car.
A new motion sensor inside the Ford keyfob detects when it has been stationary for longer than 40 seconds and triggers a sleep mode, which will not respond to attempts to hack its signal.
Moving the keyless fob by picking it up inside the home and taking it to the car will restore full functionality. The Ford fobs are designed to operate only within a two-metre radius of the cars they are connected to.
The Fiesta and Fiesta Van are already being delivered with the new fobs, followed by Focus production from May 2019.
Simon Hurr, Ford’s security specialist, said: “The online availability of devices which have no place in public hands has long been a problem for Ford, our industry and crime fighters. We are pleased to respond with a simple but effective solution – swiftly implemented to help protect owners of our top-selling cars.” 
Owners of existing Fiesta and Focus models can have their security upgraded with replacement fobs, priced from £65 (Fiesta), £72 (Focus) plus 0.9 hours labour to programme and test.
Ford will be rolling out the same motion-sensor technology across its other models in the next two years.
Another innovation on new Ford models is a 10-minute software lockdown if the vehicle’s alarm is triggered. This reduces the possibility of rapid illegitimate programming of keys for the car via the OBD.
Keyless entry systems are  blamed, in part, for an increase in car thefts in England and Wales. Data suggests that thefts have increased by 15% since 2016/17, and 40% over the past five years. So it will be interesting to see how quickly other manufacturers follow suit or come up with their own solutions. By Graham Hill
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The Number Of Cars Being Cloned Has Quadrupled Over Last 4 Years

Friday, 5. April 2019

The number of reported cloned cars has risen from 1,255 in 2012/13 to 4,802 between April and December 2018, according to the DVLA. And the police believe that due to underreporting the figure could be substantially higher. The reasons given are the ease that cars can now be stolen and the availability of ‘Show Plates’ online.
If you wanted a set of official plates for your car you have to obtain them from a DVLA registered supplier and they must see proof of ownership before they will supply them. Like the crooks that are able to legally buy mileage adjustment equipment online it is legal to buy show plates online but just not to be fitted to a car.
As a result, it is easy enough and cheap enough to buy ‘show plates’ online using the registration number of an identical car, often found through car ads, then fit the plates onto a stolen car. The police then believe that these cars are then used for various criminal activities such as robbery or drug-dealing. Industry sources say that more needs to be done. There is no identification on number plates to show where they were made nor are plates, once fitted, tamper proof.
Two things that the industry has been pushing for. Chief Constable, Charlie Hall of the National Police Chiefs Council said that some of the increase could be explained as a result of increased plate recognition cameras now able to auto issue fixed penalty fines and the owner of the cloned car being alerted that his car has been cloned when a parking or speeding ticket is issued in an area he didn’t visit.
The problem is that the courts and authorities assume that you committed the offence and it’s down to you to prove otherwise, for many a very stressful experience, especially if the case has reached a court. The advice from Auto Express to protect yourself when buying a used car that could be cloned is:
When buying a second-hand car use a dealer who is responsible for all background checks. If buying privately visit the seller’s house and never carry out a transaction in a layby or car park.
If the car is being sold well below market value be very suspicious.
Make sure that you compare the car’s Vehicle Identification Number (VIN) that can be found at the base of a car’s windscreen or inside a door jamb with the number shown in the V5C and any other supporting documentation
Never share copies of your V5C logbook online or give out the 11 or 12 digit Document Reference Number contained on the V5C
If you receive a parking or speeding ticket – or any other fixed penalty notice and you believe that your car has been cloned, immediately contact the issuing authority, the police and the DVLA, making sure that you document everything in writing.
Happy driving! By Graham Hill
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Sharp Rise In Insurance Payouts Blamed On Keyless Entry

Friday, 5. April 2019

Insurance payouts, as a result of the theft of a vehicle or from a vehicle, increased by a whopping 29% in 2018 over the previous year. Insurance companies blame keyless theft as the main culprit. Some £376 million was paid out in claims following the theft of a vehicle or from a vehicle in 2018.
That is now the highest figure on record and the Association of British Insurers (ABI) which compiled the figures added that a claim for theft was submitted every 6 minutes last year and companies paid out over £1 million a day as settlement.
Laurenz Gerger, the ABI’s policy advisor called the rise ‘worrying’ and went on to call for ‘action,by the car manufacturers to tackle this high-tech vulnerability’. However, he added that drivers themselves could do more by taking some simple precautions to help to combat the crime.
The advice from the ABI is: Park cars in well-lit areas, keep keys far away from windows and external doors, switch keyless keys’ signals off overnight if possible and keep keys in a signal-blocking Faraday bag.
Hope that helps as it’s one of the worst feelings ever when you look for your car and find that it’s been stolen. By Graham Hill
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Speed Limiters To Be Fitted As Standard On All New Cars

Friday, 5. April 2019

All new cars sold in the UK from 2022 will have speed limiters fitted as standard. The Department for Transport (DfT) has announced that it will follow the ruling from the European Commission on safety technology regardless of whether we are inside or outside of the EU at the time.
The limiters, called Intelligent Speed Assistance (ISA) were announced in March and have now been approved by the EU. ISA systems, or as I refer to them, Big Brother uses traffic sign recognition, cameras and/or GPS information to limit the speed of the car in a particular area by reducing the engine power and adjusting the speed if the driver doesn’t do it voluntarily.
TV reports suggested that the driver could override the limiter and motoring organisations suggested that this was needed in cases of emergency where a swift boost of power could avoid an accident and I agree but looking at the ruling more closely – yes the European Transport Safety Council (ETSC) recommends a full On/Off switch to allow drivers to override the limiter they actually went on to say,’to aid public acceptance at introduction’, which suggests this is only a temporary measure before being fixed and unable to be switched off.
However, there is also a suggestion that drivers will still be able to override the limiter by pressing hard on the accelerator although the limiter will be switched on every time we start the car. It also seems that there is a difference of opinion between the DfT and the ETSC because in a briefing released by the DfT it said that it saw this change to be a ‘step change in Road Safety’.
However, the DfT said that it expected the limiters ‘to give drivers feedback when the speed limit is exceeded rather than limiting the car’s speed’. The ETSC advises, ‘If the driver does not apply the brakes (when entering a lower limit), the vehicle would, in any case, slow down naturally to the new speed limit by reducing engine power’. Confused or what? I guess this will happen a lot when we take over our own lawmaking.
All new models given type approval from May 2022 onwards must have these systems while cars on the market by that date must have them by May 2024 – no I don’t either but that’s the wording. So given what the DfT has said I’m still none the wiser as to what will happen. Limiters that advise the speed limit or limiters that slow you down? By Graham Hill
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Personal Contract Purchase (PCP) Payments To Attract VAT

Friday, 5. April 2019

After a 2-year investigation into the way PCP’s are accounted for, HMRC has decided to charge VAT on monthly payments. However, it isn’t that simple – as if the product wasn’t complicated enough already. For years I’ve argued that PCP’s and Personal Contract Hire (PCH) are not finance products.
I have referred to them as ‘Lifestyle Contracts’ because they aren’s as simple and straight forward as a pure finance agreement such as a personal loan or an HP agreement. Whilst both products are ‘Regulated under the Consumer Credit Act’ the act goes nowhere near far enough to properly protect consumers, not least of which when the Act became law the two products were pretty much non-existant.
So we have a very loose set of rules that cover some of the finance issues with the exception of Voluntary Termination which causes widespread confusion because of the way that dealers exploit the law and often leave customers potentially facing a court case.
Beyond this the law doesn’t cover things like warranty claims, service and maintenance standards, accidental damage, who can drive the vehicle, travelling abroad, insurance cover, what happens if you can no longer drive and a plethora of other issues that leave the consumer vulnerable to the imposition of terms created by the provider with little redress if the customer falls foul of the contract terms.
So what has HMRC decided to do? Are you concentrating? If the PCP provider sets a final optional balloon payment that is considered to be below the market value of the car at the end of the agreement then nothing changes. The transaction is considered to be a supply of goods and finance arrangement. The VAT is added into the purchase price of the car so the VAT man gets his pound of flesh out of the purchase price as the finance company cannot claim back the VAT.
So if a car costs £20,000 + VAT = £24,000 that is what you are required to pay over the lease period less an adjustment for the balloon payment, hence the reason why you don’t pay VAT on the monthly payment as the VAT man already has the £4,000 which the PCP provider can’t claim back. Oh and you end up paying interest on the VAT content. Not sure how the provider can prove that the figure set in 3 years time is below the anticipated value of the car but them’s the rules. In theory, you would buy the car at the end of the agreement or use it as a part exchange as there will be equity in the car.
With me so far? Don’t worry if you’re not I’ll give an easy summary at the end.
In the second situation the PCP provider has set a final optional payment (balloon) that is likely to be equal to or more than the anticipated trade value. In this case the HMRC believe the transaction to be a service agreement which means VAT is added to the monthly payments.
Now many of the reports I’ve read seem to stop short of the full truth because that is all they say giving the impression that you will simply be paying the same payment you would have made in the past plus VAT – but this isn’t true because the provider can now claim the VAT back in the purchase price, thus reducing the monthly payments before VAT is applied.
There is a VAT adjustment to the resale value but we’re now getting into the technical workings of VAT and that probably isn’t helping. So in summary what does this mean? Most salesmen will explain that you will have some equity in the car at the end of the agreement so if everyone is being honest and that is in fact the way the balloon payment has been set then nothing changes, no VAT on the payments.
However, the lower the balloon payment the higher the monthly payment and the lower the interest charges earned by the provider. So whilst you should recover some of the money you paid in equity if you P/X or sell your car at the end of the agreement, the higher monthly payments may not suit your cash flow
However, if the balloon payment has been set by the PCP provider knowing that the final payment is likely to be equal to or higher than the market value this now becomes a Service Agreement as it is unlikely that the customer will keep the car at the end of the lease. In these circumstances the VAT applied to the new car is recoverable so effectively reduces the cost of the car but you end up paying VAT on the monthly payments. But from my workings they pretty much cancel each other out.
I believe that we may find a situation whereby you can choose between deals to suit your budget. Take a £20,000 car with an expected resale value in 3 years time of £9,000. If the balloon is set at £9,000 you will pay £304 + VAT = £365.95 per month (using std interest rates). However, if the final balloon is set at £8,000 that should give you a return at the end of the agreement of £1,000 but your monthly payment will increase to £391.78 with no VAT to pay. However, you may not make the £1,000 but then you might return more, it’s more of a gamble but hopefully, the choice will be given to you. By Graham Hill
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