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The simple answer is no. Let’s take cars. The fact is that we have the second highest number of new car registrations in Europe. So whether we are selling into Europe or importing into the UK, from European countries, it makes commercial sense to keep consistency between all of us.

The problem is that we have always had a seat at the table when deciding on EU laws regarding safety, minimum standards and emissions. And not just a seat but a very influential seat. After exiting the EU we will have the opportunity to make our own laws and safety rules moving forward but without consistency with the EU, any changes to imports to conform to our new rules will potentially make them more expensive.

On the other hand if our rules differ UK based manufacturers will end up making cars for the UK different to those being exported from the UK into Europe. And I’m not just talking about where the steering wheel is fitted.

So will we ever be completely independent?

We will still be able to make representations in the same way that we make representations to foreign countries regarding the use of slave labour in making goods that are imported into the UK. But that isn’t as influential as sitting at the table being part of the negotiations and the decision-making process. Having said that it wouldn’t make sense for us to go our own way when it comes to meeting common objectives such as environment and protecting lives. So most experts believe that these areas, post BREXIT, will remain unchanged.

I also agree with others that we should come away with a free trade agreement. Unlike the free trade agreements between the EU and Canada, that took a painfully long time to agree with the main sticking point – a cheese made by Greece I believe and being called the same name in Canada. That sort of argument shouldn’t exist so it should be fairly simple because we already have a free trade agreement as part of the Customs Union and Single Market Agreements which will end as it stops us negotiating trade agreements with non-EU countries.

But, as I see it, the free trade agreement part of the Customs Union could simply be modified with a few accommodations to keep everyone happy. If we can’t achieve a solution it is estimated that new cars from Europe will cost 10% more and components 4.5% more.

As an old friend of mine, Gerry Keaney, CEO of the British Vehicle Rental and Leasing Association (BVRLA), pointed out, if we don’t get a trade deal it will not only affect the cost of cars but also the cost of service and repairs, insurance costs and ultimately inflation and productivity. I’m sure the negotiators have the message loud and clear – we must come out of Europe with a tariff-free trade agreement. By Graham Hill

What Car reported a problem experienced by a reader who bought a £68,000 2015 registered Jaguar F Type Convertible V8 R AWD. The car had covered just 1,800 miles and the driver was delighted until, whilst crawling along in traffic on the M25, ah the memories, the pedestrian airbag under the bonnet deployed.

The bonnet would no longer close making the car undrivable. The car was returned to Lookers, Jaguar in West London. He was told that the airbag needed to be replaced and re-calibrated at a cost of £2,000. I was shocked to read that he agreed to pay for the repair.

If a fault becomes apparent within the first 6 month of ownership the law is on the side of the buyer, the seller must prove that the fault did not pre-exist. Within the first 30 days he can reject the car which is what I would have done. To make matters worse the airbag deployed again, without warning, and whilst driving over a speed bump.

Again Lookers insisted that the airbag had deployed legitimately, took 24 days to repair the car and increased the cost to £3,820. Incidentally the 30 day rule applies to used cars as well as new cars – as does the rest of the Consumer Rights Act.

He complained to Jaguar who took 4 months to respond. They still insisted that the deployments were legitimate and refused to refund any of the cost. This was after he provided photographic proof that the car hadn’t been damaged, there were no police reports of him hitting a pedestrian – hardly likely whilst driving on the M25 from where he was recovered.

He then wrote to What Car. They were incensed and wrote to Jaguar only to be given the cold shoulder. After receiving the same response from Jaguar as Mr Magee they recommended that he contact the Motor Ombudsman, the ‘Independent Arbitration Service’, run by the Society of Motor Manufacturers and Traders. I added that bit.

If you think they are independent you have dogs poo for brains. By their own admission on their website they are increasing business to their members, those whom they investigate, as consumers perceive that they are safer in the hands of those signing into the Motor Ombudsman service.

It used to be called Motor Codes – they changed it to the Motor Ombudsman, no doubt to give the impression that they are similar to the Government funded Financial Ombudsman Service. My advice would be to download a copy of my PCP report which contains loads of advice and contacts.

He then needs to register a complaint with Trading Standards via the Citizens Advice Bureau. He should also take up a complaint with:

European Consumer Centre UK  Trading Standards Institute (TSI)
Sylvan Court 1, Sylvan Way
Southfields Business Park Basildon
UK – Essex SS15 6TH
Tel.: +44 (0)8456 04 05 03 (Monday to Friday: 10:00am to 3:00pm)                                 email: eccnet-uk@ec.europa.eu

Once you get the European regulators involved things start to happen. The problem is that so few people know how to deal with issues when it comes to cars. By Graham Hill

A couple of weeks ago the Mail revealed a coverup scandal that is still having repercussions. Even the news on TV showed two men stealing a car from the drive of an unsuspecting driver as I recently explained in one of my reports.

One picked up the signal emitted from a keyless device inside the house which was bounced across to another device held close to the car which unlocked the doors.

The devices used can be picked up off the Internet for just a few pounds but worst of all is the fact that this problem has been known about for years – according to the Mail. It has been revealed that 5 years ago VW won a high court injunction to prevent details of security flaws being made public. But 3 years later researchers found millions of cars still at risk.

The potential theft problem, that affects millions of drivers worldwide, has been seriously covered up for years. Keyless entry has been about since 1995 and any of the cars with keyless entry are vulnerable to anyone with the equipment that the Mail found could be bought online for £100.

As I reveal in my PCP report, now complete and awaiting publication, the whole of the motor industry is corrupt. Not every person or company but whether it’s vehicle recalls, supply, finance, data, dealers – there is corruption and abuse everywhere. Now we find out that even when cars are at risk of being stolen in seconds drivers aren’t aware of the vulnerability.

Even with the mass of evidence collected by the Mail, Mike Hawes, CEO of the Society of Motor Manufacturers and Traders (SMMT), responded by saying ‘Industry takes vehicle crime extremely seriously and any claims otherwise are categorically untrue.’

Oh really Mr Hawes? Read the bloody Mail report and repeat that statement. In the meantime, if you have a keyless entry car and you park your car in a place where it can easily be driven away from, once the car is unlocked, you need to protect the key when in the house. You can buy signal blockers from Halfords or online for just a few pounds. By Graham Hill

Jason Lloyd is MD of www.petrolprices.com. He recently commented on a report/map published by insurer Admiral of fuel usage across 16 Western European Countries.

It reveals that petrol is Europe’s most popular fuel with the Netherlands topping the list and the UK coming in at 6^th place.

The UK uses slightly more petrol than diesel with a split of 49% petrol and 47.5% diesel which pretty much reverses the situation of about a year ago.

The UK comes 10^th in the diesel usage chart with Ireland top of the list. Italy leads the Liquid Petroleum Gas (LPG) chart with the UK hardly using any at all.

Norway leads the way when it comes to Electric Vehicles (EV) and Hybrids at 39.2% in combined usage.

The change in Norway over the last 3 years has been amazing, leaving most other countries behind. A series of tax breaks has made electric vehicles cheaper to buy.

EV users also have access to cheap electricity for charging, free parking and road tolls and free use of bus lanes.

Whilst the UK has been fairly bold in announcing that there will be no petrol or diesel cars sold after 2040 we are badly lagging behind other countries when it comes to EV and hybrid sales.

They really need to follow Norway’s lead if they are to mean what they say and offer enough incentives to make buying an EV, in the words of Jason Lloyd, ‘a no brainer’. By Graham Hill

Years ago, whilst in industry with a proper job, I had use of the company’s chauffeur car and driver. I hated getting up at the crack of dawn to be in say Birmingham by 10.00am so being picked up by the chauffeur was one of life’s little luxuries that I liked.

I could go through paperwork or more important I could have a little snooze and arrive at the other end fully charged up.

So whilst there is a lot to dislike about driverless (autonomous) cars, the one big advantage for me was that I could effectively be chauffeur driven again. Have a snooze, read a newspaper or report, listen to music, watch a movie or anything else that took my fancy whilst being transported to my destination was very appealing.

Unfortunately, we now learn that this is not going to be the case. We had already learned that we couldn’t get plastered then jump into the car and let it drive us home via the kebab shop.

We still need to be responsible and whilst ‘in control’ of the car adhere to all drink and driving regulations. But now we learn that drivers may still be required to actually watch the road.

Proposed new laws, aimed at drivers of autonomous vehicles, will stop drivers from doing anything that will distract them, including reading newspapers, watching TV and using their phones. The aim is to ensure that drivers are able to take back controls in an emergency.

A new study carried out by autonomous vehicle consortium Venturer concluded that it takes 2 seconds between instructing the car that the driver is taking back control and actually assuming total control.

At 50mph that represents a distance of 45 metres when neither the car nor the driver are in control.

With this in mind the regulations will seek to reduce the ‘out of control’ period to as little as possible by making sure that drivers are always alert and not being distracted.

Report director Professor Sarah Sharples, said that , ‘It may be necessary for the rollout of highly autonomous vehicles to be accompanied with the advice, or even law, that in some or all circumstances the driver must maintain attention to the driver situation and that other activities should be minimised or avoided.’

Others have called for a totally new driving test for drivers of autonomous cars. Professor Natasha Merat from the Institute for Transport Studies has suggested that there should be a new form of licensing and training for autonomous vehicles.

The ‘handover lag’ between car and driver presents a challenge for insurers if there is an accident because attributing blame between car and driver could prove difficult.

It has even been suggested that response times should be taken into account with older drivers paying more than younger drivers as they would be slower to respond. Think I’ll buy some Lotto tickets and with the winnings get another chauffeur! By Graham Hill

We all know that one of the most common car insurance fiddles is the widely publicised Cash for Crash whiplash claim. Simply a car races past you, swerves in front and brakes hard. You brake and still run into the back of the car. As you ran into the car in front you are considered at fault whilst all 5 people in the car at the time claim for whiplash and each receive several thousands of pounds in costs and compensation.

With the introduction of the Civil Liabilities Act (at Bill stage at the moment) compensation for whiplash claims will drop from the current maximum of £1,850 to £425. The new Act will make it illegal to submit a whiplash claim without medical evidence. Together it is felt that this will discourage this scurrilous activity and in turn save the Insurance Industry £1 billion each year.

This is the equivalent to £35 per motorist. The Ministry of Justice says that despite the UK having some of the safest roads in Europe the number of whiplash claims has increased by 50% in the past 10 years. They blame a predatory industry that encourages motorists to submit exaggerated or fraudulent claims driving up insurance premiums for all.

Justice secretary, David Gauke, said, ‘This legislation will ensure that whiplash claims are no longer an easy payday. The Bill will seek to set fixed amounts of compensation for whiplash claims and halt the practice of setting claims without medical evidence.’

Whilst some insurers, including Liverpool Victoria and Aviva have pledged to pass on any savings to motorists I have my doubts. And how will we know? Will they send a note to all clients advising of a drop in their premiums? I doubt it. My concern is that the £425 ceiling is too low when applied to a genuine case. Genuine cases of whiplash should be treated fairly with those affected being suitably recompensed. I know people who have suffered whiplash with the problem remaining forever. It can be very painful and debilitating. £425 hardly seems fair to me simply because a few crooks make false claims. By Graham Hill

Insurance comparison website comparethemarket.com has found that car insurance rates are cheaper in the summer than in the winter. New figures showed that insurance rates were most expensive in December. They explained that over the past 4 years the cost of a typical car insurance premium was 13% higher in December than the monthly average for the rest of the year.

Summer and Spring months were found to have the cheapest policies. The comparison site said that in December, call centres are often less heavily staffed and closed for certain periods, leading to less competition in the market and higher prices overall for drivers.

As a result the comparison sites have suggested that drivers should look to take out policies in the summer. Very Strange! By Graham Hill

Nearly a million bus lane fines are issued a year according to the RAC. Between 2015 and 2017 3.4 million penalty charge notices have been issued by local councils, estimated to be £68 million a year or £200 million over the 3 years – so why has this been happening?

The RAC puts it down to ‘inadequate’ or ‘confusing’ signage causing drivers to accidentally move into a bus lane without realising it. It begs the question, is the signage poor in order to catch unsuspecting motorists? The problem is that whilst the local councils wring their hands the confusion causes traffic delays and jams leading also to increased emissions.

One of the problems, in addition to signage, is inconsistency. Some towns and cities have bus lanes that are reserved as bus lanes 24/7 whilst others allow other drivers to use their bus lanes outside set times. So when motorists travel from town to town, to be on the safe side, they stay out of the bus lane.

You will often see cars pulling over at the end of a bus lane to turn left at a junction or roundabout only to be prevented from doing so by those who have zoomed down the bus lane (as they know the rules) giving the impression they are doing something illegal – when they aren’t. This can lead to traffic delays at junctions and possible road rage. A motorcyclist also pointed out that in some towns he can drive along the bus lanes at any time whereas others he can’t.

If you are concerned about receiving a fine it was interesting to note that Manchester was top of the fine list. 2^nd was Glasgow, followed by Cardiff, Bradford and Nottingham. Strangely, whilst London was left off the list, it actually slotted in below Glasgow – quite a surprise. I won’t bore you with more stats but I would point out that in London the borough with the biggest increase was my good friends – Croydon with a 787% increase. I think if you sneezed in a car in Croydon you’de be done for driving without due care and attention!

So the warning, check the signage carefully and don’t assume that a car whizzing down the bus lane knows the rules and is taking advantage, then follow him, he’s probably just nicked the car and doesn’t give a damn! By Graham Hill

The new emissions tests were supposed to stop any emissions test fiddling and allow employers to make a more educated assessment when deciding on their car policy – even when the car policy only extended to one car. As a result, we all knew that there was a very high probability that the emissions figures, for both CO2 and NOx would both increase which would affect employees benefit in kind tax, vehicle excise duty and NI.

And that is pretty much the sum total of all the information provided by the Government. As over 60% of my cars are supplied on business agreements I thought I would explain where we are at the moment. The current testing procedure is called NEDC and it’s the result of those tests that we use to calculate benefit in kind tax.

Since September 2017 all new cars launched or facelifted have to be tested under the new regime, the Worldwide Harmonised Light Vehicle Test Procedure (WLTP). The other thing we know is that all new cars must be tested under WLTP from 1^st September 2018 (unless the car is on runout) but given an NEDC correlated figure.

This figure was assumed to mean that if your car had emissions of 95g/km of CO2 under NEDC and 120 g/km under WLTP a calculation would be made and we would end up somewhere close to the NEDC reading. Unfortunately, that’s it – all the information we have. So we have yet to learn how the changes will affect benefit in kind tax, vehicle excise duty and National Insurance.

From what I have been reading everything else, other then the two known deadlines, is total guesswork. We haven’t even been told that if the car you are driving is tested and the calculation applied to arrive at a CO2 emissions midpoint, whether you will pay increased benefit in kind tax and NI. The assumption is that if you already have the car you will continue to pay at the old NEDC emissions level. But we don’t know. Apparently, the Treasury is still ‘assessing the impact’.

Another assumption is that given company vehicle lifecycles it is assumed that until 2020, any cars taken by businesses and provided as company cars will attract BIK tax and NI based on the WLTP test results then run through the calculator, known as CO2MPAS, to arrive at the mid-point figure. Assuming also that after 2020 the full WLTP reading will be used. Again, whilst it is the general feeling of the industry, 2020 has not been confirmed as the change date.

Whilst it was originally believed that once the CO2MPAS calculation was applied that the CO2 readings would only increase marginally, it has been found that they have increased by between 10 and 20 percent, hitting company car drivers pretty hard as the readings bump them up the tax bands. This could lead to a number of employees switching from company cars to car allowances which is not good. Experience shows that employees don’t take such good care of their cars and they err towards used cars as opposed to new cars.

I have to say that I was a remainer, not a remoaner. I knew that the BREXIT decision could go either way and I was prepared to accept the decision – whatever the outcome. But if this is an example of how we take back control, we are in for a very rough ride! By Graham Hill

Far too often I’ve heard complaints from consumers who have made a warranty claim only to be told that the manufacturer won’t honour it – insisting that the problem was down to wear and tear or the driver’s driving style. In many cases the decision is wrong but what do you do if the manufacturer has point blank refused to carry out a repair?

Well first off you read the relevant sections in my PCP guide – soon to be available as a free download. The same rules apply whether you took the car on PCP, HP or PCH finance. You don’t own the car so your beef is with the owner of the car – the finance provider.

If you’re not satisfied with the response from the dealer and the manufacturer, make a formal complaint to the finance provider. If you still can’t get the problem sorted you report both the lender and the dealer to Trading Standards. They will contact the dealer and the lender. Still no joy? Move on to the Financial Ombudsman Service (FOS) but only if you have financed the car. If you bought for cash there is nothing they can do. The official alternative is what used to be called Motor Codes, now the Motor Ombudsman.

This isn’t part of FOS. FOS is a government-run independent body very much on the side of consumers. However, the Motor Ombudsman is funded by the garages that sign up to their scheme and you can only complain about a garage that is one of their members. Are you starting to get the same feelings as I’m getting? How certain can you be that you’ll be treated fairly over a part that is very expensive and needs replacing? In my opinion, avoid the Motor Ombudsman.

Next down the list are the trade bodies, a route very rarely suggested but can be very effective. Your issue is actually with the lender so check on the websites to see if the finance provider is a member of the Finance and Leasing Association (FLA) and the British Vehicle Rental and Leasing Association (BVRLA), you should make a formal complaint against the funder if he fails to get involved or come up with an acceptable solution.

You can also ask the association for details of their Dispute Resolution Service and make an application to them to help if you are in a stalemate. Every trade body must have a Dispute Resolution Service that they can provide details of. The dealer and manufacturer must carry some responsibility, so make the same complaint to the Society of Motor Manufacturers and Traders (SMMT) and if you want to take up the case with them (not the lender) you can, but beware of stepping on the toes of a lender. They will also have a Dispute Resolution Service which you can call upon.

Finally, you can file a legal claim through the small claims court but hopefully, you would have resolved the problem before you get to this stage at no cost other than your time. By Graham Hill