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Graham Hill’s gadget of the week is an app for iPhone and iPad. It provides traffic updates. The app provides details of congestion on the roads for a one-off fee. It is called UK Traffic and it sells for less than £2. It covers the whole of the UK with a map, route checker, incident list and traffic radio. You can search for delays en route, see them on a map and get info on how long the queue is, the length of the delay and even the cause. Live traffic radio can be paused and rewound to take a call or left playing in the background. Amazing value for money. By Graham Hill

Dealerships and garages are still failing which means that whether you are buying new or used from a dealer you need to use the credit card technique that I recently explained in order to protect yourself between paying for a car and taking delivery. According to Experian 35 garages and related businesses failed in July this year compared to 50 last year. So whilst it is an improvement it’s not worth taking the risk and don’t forget that using the credit card technique could help to increase your Read more »

I was talking to an insurance broker recently and he was explaining that because of the competitive nature of the comparison sites the insurance companies are doing everything to keep premiums as low as possible. One of the tricks they use, I reported a couple of weeks ago, has been to vastly increase charges and fees so that they don’t have to increase premiums, the other is of course to avoid payouts wherever Read more »

I have mixed views over my next piece. You see over the years I have recommended to clients that they make use of the law wherever they can to save money. One area that I have heavily promoted is covered by sections 99 and 100 of the Consumer Credit Act, better known as Voluntary Termination, whereby once you have paid half the total cost of the finance, you can simply hand the car back to the HP provider and they have to stand any loss between what would normally be required to Read more »

The economy is fragile and uncertain which means there is greater demand for short term leases, as businesses and consumers look to restrict their commitments. Unfortunately, the fact that the manufacturers have scaled back production considerably, means that there is no overstock of vehicles available. This oversupply would normally encourage the manufacturers to provide additional bonuses, making short term leases relatively cheap, as this bonus helps to offset the heaviest Read more »

Andrew Sentance may not be a name that you have come across before but he is very important in our lives. He sits on the Monetary Policy Committee in the Bank of England. They sit each month and decide whether base rate should stay the same, at 0.5% or increase. Since the rate dropped to 0.5% every member of the committee has voted to keep it at the same level, that is until the October meeting at which Mr Read more »

Oh dear, oh dear oh dear! When are people going to start treating car finance as a specialist product and one that must be very carefully considered before taking it out rather than a tin of beans that they can tout around online to see whether Tesco have them on offer this week or are they cheaper at Asda? There are three major comparisons to be made when deciding upon the finance that you are going to take out. Read more »

My gadget of the week is a smart fob that transfers data onto your iPhone. It collects data from the car every time the driver switches off the engine, recording things like trip information, mpg, fuel level and tyre pressures. It also includes maintenance alerts and can even warn you if you leave a window open. If the driver then holds the fob next to the phone whilst running the app the information is transferred wirelessly Read more »

If you are illegally using a disabled badge when you pop into town in order to park closer to the shops, beware, as local authorities take a stronger stand. Research in Leeds and Newcastle found that the illegal use of the blue badges was now out of control. Research found that 60% of disabled badges used in Leeds were illegal and more than half of the badges in use in Newcastle were similarly illegal. Around Read more »

Years ago car number plates were screwed to the body work by two or even four screws making it a bugger of a job to remove a plate but these days even prestigious cars have their number plates fixed on with a couple of strips of double sided tape. It was hardly surprising then to see a warning from the Retail Motor Industry Federation about theft of number plates. Thefts have doubled over the last 3 years with the Read more »