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A row has broken out between the Government and the Magistrates Association over proposals by the Department for Transport to introduce fixed penalties for careless driving. The proposal will give the police new powers to impose a fixed penalty of £60 and 6 points on the licence where a driver admits to an act of careless driving. The Magistrates Association is furious as they feel it diminishes the serious nature of Read more »

Whilst there are a few vague signs coming out of Germany, France and Japan that we may be moving out of the world recession we have no such signs in the UK and whilst people are still being made redundant and reducing work hours there are fears that the UK roads are becoming more dangerous as drivers avoid service and repair costs. One of the biggest dangers lies with Read more »

When I first started driving the most technical pieces of equipment in my car were the window winders and the optional heater, that was either on or off. Radios were not standard equipment and cassette players were somewhat futuristic. So other than your passengers, there were very few distractions inside the cockpit of your car, added to which, if you were anywhere north of Watford you could drive for 3 days and still not come into contact with another driver. These days things are different, there are 30 million cars registered and many of those Read more »

I have just quoted a customer on a BMW X5, similar to the last car that he contract hired 2 years ago. On his old car the difference between the 2 year and 3 year rates was about £15 per month (2 years more expensive). However, the difference now is £134.53 + VAT per month! Why should this be? 2 years ago it could be argued that there was more discount/bonus in the car virtually wiping out the first year’s depreciation. 2 year old cars may have had a greater resale desirability than 3 year old cars on pro-rata mileage. But £135 + VAT per month? I don’t think so! Or maybe I’m to blame. You see I have explained Read more »

What Car have reminded us of the dangers of using a phone whilst driving. They have estimated that around 100,000 drivers are risking their lives and prosecution, at any point in time, by using a hand-held mobile phone whilst driving. The original laws introduced in 2003 were beefed up in 2007 to guarantee you 3 points on your licence and a £60 fine if caught using a mobile phone whilst driving (which means the engine is running even though you may not be moving). As What Car points out, even with hands free kits Read more »

Many of you have read in the past my mention of the Gwent Fleet Management fraud which left many customers out of pocket and in many instances without a car. This case is just the tip of the iceberg and has been so public because so many customers were caught up in it but serious fraud is being committed all over the country daily. However, because the cases are spread so thinly no one type of fraud is hitting the headlines, causing consumers to be Read more »

Specsavers Corporate Eyecare has launched a new range of sunglasses as part of its corporate optical care voucher scheme. Each voucher costs the employer £35 and includes:

A full eye examination at any of their 623 stores

 A pair of prescription glasses from their £45 range or

 A pair of non prescription sunglasses from their newly launched range

 Employees can use the voucher for £45 off any of the more expensive glasses in their range. Specsavers point out that the addition means that if an employee has an eye test and finds that he doesn’t need glasses it gives an assurance to the employer who is seen to be taking health and safety seriously and the employee still receives a nice pair of sunglasses. For more information on the scheme contact Specsavers direct by emailing:  corporateeyecare@uk.specsavers.com, By Graham Hill

As drivers continue to feel the pinch of recession insurance groups warn about the dangers of not telling the truth when taking out car insurance. Every claim is now being closely scrutinised as a result in the upsurge in fraudulent claims, as explained in my recent crash for cash fraud item. As a result lies or mistakes made at the time of proposal is causing claims to be rejected so great care needs to be taken when completing proposals or you may not only find a claim rejected but Read more »

Over the years I have put forward many reasons why you should opt for Dealer HP over a personal loan (contrary to all advice given in the media). Your legal rights are so much greater when you take HP. If you have read my book An Insider Guide To Car Finance, or been a regular reader of my newsletter, you would know the reasons that I put forward. However, I have just uncovered a new one that you may find useful if you, or a friend/relation ever find yourself in this situation. If you are a consumer (can also be a sole trader) and you purchase a vehicle outright you are deemed to have accepted the goods if you have had a reasonable time to inspect the goods and not rejected them. After this time your remedy for defects is restricted to Read more »

In the current climate there is lots of talk about guarantees and indemnities. Let’s be clear, before a lender considers a guarantor he must be fairly certain that the borrower can repay his debts. You may be someone who has never had credit before or you have had a credit card that has hardly been used, so you have very little credit history on which to form an opinion. But everything about you looks good, home, job, bank etc and you certainly have no adverse information stored on your credit file but for that extra bit of comfort the lender may be happy to Read more »