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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Finally, A Law To Protect Drivers From Rogue Parking Companies

Thursday, 25. April 2019

After years of complaints about the dodgy practices used by rogue parking companies to impose fines of hundreds of pounds leading to severe hardship, the law is about to change.

 

The Parking (Code of Practice) Act 2017-19 introduces new guidelines for private firms to follow and an independent appeals service

 

A new law is being introduced to regulate private parking companies and protect drivers from unfair fines.

 

The Parking (Code of Practice) Act 2017-19, which has been given Royal Assent, will see private parking companies subjected to a new Code of Practice which aims at making the industry more consistent, transparent and easy to understand.

 

Private parking firms who breach the code could be punished by being barred from asking the DVLA (Driver and Vehicle Licensing Agency) for motorists’ details, making it much harder for them to enforce fines.

 

In addition, the Act will see the introduction of an independent appeals service, which drivers can use to challenge unjustified parking tickets.

 

Local Government Minister Rishi Sunak MP said: “For far too many drivers slapped with unjust fines, this largely unregulated industry feels like the Wild West.”

 

Sunak expressed his sympathy for drivers who face “awful treatment at the hands of dodgy parking firms”, condemning rogue companies for making “intimidating demands for payment” and having “baffling appeals processes”. He added that the act would “cut out rogue operators” and give drivers “greater protection”.

 

Already, the Act has won the backing of a number of motoring groups, including the AA and RAC. These organisations will now help the Government write the Code of Practice.

 

Nicholas Lyes, head of roads policy at the RAC, commented: “For too long, some unscrupulous private parking operators have made drivers’ lives a misery with some questionable practices, which sent levels of trust in the sector plummeting.”

 

He added: “The code will create more consistent standards across the board, which should eliminate dubious practices and create a single, independent appeals process.”

 

Andrew Pester, chief executive of the British Parking Association, said the Act would “enable greater consistency and consumer confidence”, adding that his organisation would work to provide “a fair outcome for motorists, landowners and parking operators alike”.

 

How Will The Government Plug The Revenue Hole Created When Drivers Move Heavily From Fosil Fuels To Electric?

 

As we know as drivers move across to electric cars there will be a massive slump in revenue to the treasury, estimated to be £14 billion by 2040. There are a few proposals floating around that will allow the Government to recover this revenue, the most popular is a levy payable per mile.

Currently, the treasury receives 57.95 pence per litre added to the pump cost of petrol and diesel. In a report prepared by Bloomberg New Energy Finance reported by the Times, they suggest that the Government could try to compensate for future losses by increasing fuel duty for the remaining petrol and diesel cars.

 

On the other hand, they could impose higher surcharges on electricity but they point out that it would be better to apply mileage-based road charging. Their researchers calculated that a charge of 7.5 pence per mile introduced by 2030 would be enough to make up for lost duties, with the charge rising to 9.1 pence by 2040 as EV’s continue to grow in number.

 

In truth, this will cost the average driver £700 a year which is actually cheap. If you take a driver covering 9,000 miles per annum on average fuel consumption of 30mpg (petrol) the cost is currently £1,600 a year in fuel. So whilst we might immediately react in horror that wouldn’t be such a bad price to pay. The problem is, how will we manage the pence per mile charging?

 

Other major countries, including the US, China and Germany have been advised to consider the concept. In 2007 there was major public outcry when the Government announced proposals to introduce a mileage charge for using motorways at peak times. Not surprising as the charge was set at £1.34 per mile.

 

Clearly, something needs to be done to prepare for the massive changes in the way we get about the planet. The question is will we have the answers in time? There were a lot of people congregating in London over Easter that don’t think we will. Very worrying times!  By Graham Hill

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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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Traffic Reduction Scheme Lengthens Journey Times

Thursday, 18. April 2019

Auto Express has highlighted deficiencies in the £317 million traffic reduction scheme that has had the reverse effect in some areas.

Called the National Pinch Point Programme, Highways England has admitted that the programme, designed to reduce congestion actually made traffic worse in some areas. 

 

The Government-owned organisation funded a total of 119 schemes across the UK between 2012/13 and 2014/15, of which 89 per cent were aimed at relieving congestion during specific time periods. It should be noted that traffic jams cost the UK economy £8 billion last year.
Although this aim was achieved during the targeted times, it resulted in worse congestion at other times of day, which Highways England said “outweighed” the benefits. 
Increased journey times during off-peak periods caused economic costs of £5.6m during the first year of the programme, while shorter journeys at peak times resulted in a benefit of £5.1m.
One of the main reasons seen for the increase in congestion during off-peak times was the introduction of new sets of traffic lights.
The analysis comes from a newly published Highways England report, for which the organisation evaluated 54 of the 119 schemes to see what the results were for their first year of operation.
The report concluded that, in future, such programmes need to “better consider how to mitigate the downsides while maintaining the upsides”.
Nicholas Lyes, head of roads policy at the RAC, described the report’s findings as “very disappointing”.
“While congestion has been reduced at peak times of the day, unfortunately, many schemes have seen increased traffic at off-peak periods, mostly due to traffic lights being introduced”, he said.
“Luckily, it seems as though there are some simple steps that can be taken to improve the worst of these new off-peak traffic flow issues, such as changing signals to work part-time instead of full-time.”
He added: “It is also important to realise that this work was not just about reducing congestion and that many schemes have seen small reductions in the number of road casualties.”
Personally, I find it absurd to come up with traffic calming schemes during rush hours but end up with journey times being lengthened at all other times. Also, the report into the schemes found that of the 54 assessed by Highways England, 20 were found to have decreased driver safety.
That is simply not good enough. According to latest figures from the EU we have the safest roads in Europe with 28 road traffic fatalities per million inhabitants. I would say that this is more as a result of luck than judgement.
Our roads are still in an appalling state, we are tinkering around the edges when it comes to congestion, we need new roads, and by fiddling around the way we have been those statistics will start to move in the wrong direction. 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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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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Electric Vehicles Cheaper To Maintain Than Petrol

Friday, 15. March 2019

According to Cap HPI the maintenance costs for Electric Vehicles (EV’s) are 23% cheaper than for the equivalent petrol model. Calculations were based on 3 year, 60,000 mile running periods. The gap is greater for smaller vehicles.

 

An electric Renault Zoe was found to cost £1,100 to maintain compared to £1,497 for a similar petrol driven Vauxhall Corsa. Representing a 35.7% saving. While the best selling UK electric vehicle, the Nissan Leaf cost £1,197 to maintain compared to £1,429 for a petrol VW Golf – 19% cheaper.

 

Cap HPI senior valuations expert, Chris Plumb commented: ‘An electric car motor has far fewer moving parts than a petrol or diesel engine. They also benefit from gentler driving styles that lead to lower wear and tear of brakes and tyres’.

 

He went on to say, ‘While the purchase price is often higher at the moment- but coming down all the time – drivers will find an EV much cheaper to run with significantly lower costs to charge than visiting a pump as well as the lower maintenance costs’.

 

I would add a caveat to that as I carried out an exercise last year and found that if you used a fast charger located in motorway service stations the cost per mile, based on the electric car’s true range, compared with petrol or diesel cars was significantly higher. Of course, this dropped heavily if slow charged from your domestic supply. By Graham Hill

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Top 5 Most Common Causes Of Road Accidents

Friday, 15. March 2019

Business Car magazine has identified the top 5 causes of road accidents attributed to vehicle defects. Their investigation revealed the following:

 

Brakes                                     37%

Tyres                                       30%

Steering or Suspension            17%

Lights or Indicators                  9%

Vehicle Or Trailer Overload     7%

So there you have it, make sure that you take care of the above or risk an accident. By Graham Hill

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