The Best Car Finance Blog In The World

Having been diagnosed Type 2 Diabetes earlier this year I checked to see if I should report the condition to the DVLA or my insurance company. I’m pleased to say that thanks to a change in diet, sadly the removal(ish) of chocolate, increased exercise and medication I’m now nearly back to the safe level. However, if you have type 2 diabetes it is a reportable condition. Certainly, if you are taking Insulin.

According to the DVLA website you need to take advice from your GP as other medication is questionable. If it affects your driving then it should be reported. Remember if you have any medical condition that could affect your driving it should be reported to the DVLA as well as your insurer. If you don’t do it you can be fined up to £1,000 by not reporting to the DVLA and if you don’t report to the condition to your Insurer and make a claim they could refuse to pay out.

Here is a list of conditions that are reportable:

Notifiable conditions are anything that could affect your ability to drive safely. They can include:

diabetes or taking insulin

syncope (fainting)

heart conditions (including atrial fibrillation and pacemakers)

sleep apnoea

epilepsy

strokes

glaucoma

If you are unsure about a particular condition take advice from your GP. If you feel that you have a reportable condition you can complete a form online for submission. Go to:

https://www.gov.uk/driving-medical-conditions

By Graham Hill

In last night’s edition of Rip-Off Britain, we followed a police team as they stopped cars without insurance. A number recognition camera mounted in the back of a police van identified vehicles without insurance and when found would alert a policeman down the road who would pull over the driver.

Without insurance, drivers were issued a ticket with a fixed penalty along with 6 points on their licence. Then to add to the pain the car was immediately uplifted and taken to the police compound resulting in additional charges.

I had no sympathy for those with no insurance but they found drivers who had purchased insurance online only to find that even though they could show that they had a certificate and proof of payment out of their bank account they had their cars impounded and ended up in court. One driver who had been scammed received a fine and points on his licence for not having a licence even though he was paying monthly, hade a certificate and policy, both of which looked fine but were fakes.

The police warned about the scams. In it’s most simple form the scammers advertised on Social Media offering insurance at 75% off (that would never happen) and only a mobile phone number as a contact point. You would receive a policy and certificate – all fake. The scammer will normally want the whole premium upfront although the man in the programme was paying £120 monthly.

The next scam was an actual broker providing a genuine policy and certificate but with all your details changed. It would show a different address, age, no claims bonus etc. When all added up it would cause the rate to drop substantially with the scammer pocketing the difference in premium. The scammer will normally expect all the premium upfront.

The last scam would result in you receiving your policy and certificate from a broker but the broker then cancels the policy without the knowledge of the driver and receives the refund of the insurance premium. Again the broker will ask for the whole of the premium upfront.

If you want to check to see if your car is insured click on the link and enter your registration number: https://ownvehicle.askmid.com/#  By Graham Hill

Over 30 million people in Europe are reported to suffer from kinetosis or motion sickness. According to Citroen one in three people will suffer from this condition at least once in their life in a car, bus, boat or plane. So Citroen have come up with a solution.

Together with a French start up company they have devised a pair of strange looking glasses that solve the problem. Initially developed for sea travel, Seetroën glasses use Boarding Ring™ technology. This patented and tested paramedical solution has an efficacy rating of 95%.

Equipped with moving liquid in the rings around the eyes, both along the frontal axis (right/left) and sagittal axis (front/back), the glasses recreate the horizon line to resolve the conflict between the senses that cause motion sickness.

For the design of the glasses, Citroën called on 5.5, a collective design studio based in Paris, which has incorporated the Brand’s fresh, simple and ergonomic style. The result is a pair of glasses with a high-tech look in white soft-touch plastic.

Seetroën glasses can be used by adults and children aged over ten (when the inner ear has finished growing). The glasses are glassless, so they can be shared by all the family and travelling companions. They can also be worn over other glasses.

The instructions from Citroen are as follows:

Seetroën glasses can be used in cars, as well as on buses, trains and planes. Put on the glasses as soon as you experience the initial symptoms.

After 10 to 12 minutes, the glasses allow the mind to resynchronise with the movement perceived by the inner ear while the eyes were focused on an immobile object such as a smartphone or a book.

Take the Seetroën glasses off and enjoy the rest of your journey. The cost is 99 Euros or about £88.40. Go to www.lifestyle.citroen.com By Graham Hill

As anyone who is looking to change their cars can tell you, like for like cars are rising in car and lease cost. Normal inflation, raw material increases, poor exchange rates, removal of discounts by European manufacturers, lack of stock, poor used car values and emission rule changes resulting in upgrades to engine and exhaust systems have all contributed to the increases.

So whilst you can offset some of the increases by changing to another vehicle altogether with some extra discount attached the EU is set to impose some new regulations that come into force in 2020 that will increase ALL cars. As we are set to retain these rules with or without a deal we won’t be able to avoid the increased costs.

New rules regarding safety features are set to be imposed on all new models launched from 2020 and all new vehicles sold 2 years later. This means that new cars that haven’t been fitted with the new safety features can be sold up to 2022, after which they must all be fitted with them.

A total of 11 standard safety features will be introduced at a total cost to the manufacturer of over £1,000, in some executive models substantially more. For most mid or top end cars this isn’t a great deal of money compared to the cost of the car but for entry models it will have a substantial effect.

The main changes proposed are as follows:

Autonomous Emergency Braking (AEB): This is now fitted as standard to many mid and upper range cars whilst others include it as part of a safety package. The system senses an obstacle in front and applies the brakes for you. Considered to be a life saver this will have general support. AEB is now part of the NCAP safety test where fitted but whilst it is available on 51% of all cars sold in the UK, according to the SMMT only 30% of cars have it fitted as standard. Cost of fitting: £200 – £1,300.

Alcohol Interlock: Also known as built-in breathalysers these sensors will pick up if the driver is intoxicated and does not allow the car to start. Cost of fitting: £500 – £1,200.

Lane-Keep Assist: Fitted to many cars as standard this warns the driver if he’s drifting out of lane. Cost of fitting: £300 – £700

Accident Data Recorder: Best described as the accident black box in an aircraft. It will provide information to insurance providers in the event of an accident as well as vital information to those looking at ways to prevent accidents going forward. Cost of fitting: £300 – £500

Intelligent Speed Assist: This uses GPS mapping and speed sign recognition to warn drivers when they exceed the speed limit. Cost of fitting: £160 – £220

Parking Sensors: Most people are aware of them and their use. It looks as though rear sensors will be mandatory, not front. Cost of fitting: £100 – £250.

Driver Drowsiness and Distraction Monitors: As the name suggests the system picks up erratic driving behaviour as well as drifting out of lane. Cost of fitting: £150 – £400

These are the main additions aimed at reducing deaths and serious injuries across Europe. The aim is to eliminate road deaths by 2050 although it looks as though we aren’t on target as road deaths in the UK alone has flattened out. In 2017 there were 1,720 compared to 1,792 in 2016 which was the highest since 2011. So there you have it, the reason why rates are set to increase from 2020.

However, in the long term these changes will help to bring down the cost of autonomous cars as these will be essential developments when autonomous cars are designed made cheaper if the technology is already available. By Graham Hill

Every year for the last 20 years Auto Express carry out tests on various car care products and award the best with their Product Award. They take account of price, ease of use, performance etc. I thought it would be handy to list their top award winners so far this year. For more details, you can search for Auto Express Best Products. In the meantime here are the best products:

Car Washes: Halfords Car Wash & Wax, cost £2 for 1 litre. Whilst this was the cheapest tested it wasn’t this that caused it to win. You use a little more than other brands but it is much cheaper.

Clay Bars: Bilt-Hamber Auto Clay Regular, cost £9.95 for 200g Clay bars cut through contaminants that bond to the painted surface of a car. This was one of the best priced and the best performer.

Polishes: Angelwax Perfect Polish, cost £9.95 for 500ml. This one saw off some of the more popular brands such as Simoniz, Autoglym an Autobrite. There was little to choose between Autobrite and Angelwax so in the end it was down to price with Angelwax edging it.

Waterless Cleaners: Meguiar’s Waterless Wash And Wax Anywhere, cost £16 for 768ml. Strangely liked for its smell as well as its performance simply spray, wipe then buff and admire the shine. The shine was also the longest lasting.

Waxes and Sealants: Bilt-Hamber Double Speed-Wax, £14.95 for 250ml. Apparently, you can pay up to £50 for a carnauba paste(which is what this is) so great value for money. 24 were tested over 9 weeks with this one coming out on top.

Wheel Cleaners: Bilt-Hamber Auto-Wheel, cost £12.99 for 1litre. In this case the smell was horrendous – eggy in nature. However, the cost and the efficiency of the product made it to the top of the list of 19 tested.

Wheel Wax & Sealants: Wonder Wheels Wheel Sealant, cost £6.50 for 300ml. Best performance and best price this product takes time because you need to properly clean the alloys before applying and it takes time for the product to cure – but well worth the wait apparently.

Tyre Shine: CarPlan TyreSlik, £4.10 for 500ml. This is uniquely the only product tested by Auto Express that has remained in the number 1 position since testing began 20 years ago. Well done!

Upholstery Cleaner: Simoniz Upholstery & Carpet Cleaner, cost £3.18 for 500ml. This was one of the only foam cleaners with a brush fitted to the can. Most others were trigger applicators but none performed as well as this cleaner and low cost.

Screenwashes: Prestone Extreme Performance Screen Wash, cost £3.50 for 2litres. This wash, ready made up was great value for money, cleaned the screen well and won in both categories, winter and summer with the summer version cheaper than the competition.

Headlamp Bulbs: Philips Racing Vision, cost £25.99 for a pair. By far the best bulbs out of 20 tested, brightest and topped all but one of the various tests.

Sat Navs: Tom Tom Go, cost One Year’s Subscription £14.99. In this category they tested both sat-nav units and mobile phone apps with this app being the winner. They’ve stuffed many of the features of their top navs into the app.

Dash Cams: Nextbase 612 GW, cost £249.99. The cam has a radius of 150 degrees and records in 4K Ultra HD. The camera picked up pedestrians in the dark and could read number plates from afar. A polarised filter sits on top of the lens making the colours sharper. Given the quality it offers very good value for money.

Tyres: Continental Premium Contact 6, cost £93.20. Wet or dry this car came out on top, sharing the top spot with Michelin in the dry but by far the best in the wet with no other car coming close. All round a very good tyre.

Winter Tyres: Continental Winter Contact TS860, cost £117.22. Not the best in the snow but in the wet that dominates British winters it was streets above the competition. Changing tyres between summer and winter is still not popular but for those that need to change tyres they refer to this tyre as a Truly Remarkable Tyre.

All Season Tyres: Continental All Season Contact, cost £120.64. Out of all the tyres tested this tyre came either first or second in every test making it by far the best all season tyre even after Continental had said that you either changed tyres between summer and winter or put up with a compromise. This is their first attempt at an all season tyre.

Many thanks to Auto Express – By Graham Hill

A point I make every time I read a doom and gloom story about a driver who bought a used car then find out that they have a fault that leads to an unaffordable repair. Choose a new car and finance for 3 years (unless the manufacturer’s warranty lasts for longer) and you are pretty much assured that you will be covered for any faults unless you haven’t looked after the car.

In a What Car report I read about Alistair Hill (no relation) who bought a used Vauxhall Astra GTC VXR 276bhp. from a dealer. The car was no longer covered by a warranty when the engine started to misfire. As the car had only covered 29,000 miles he believed the fault would be minor buit when the dealer checked the engine they found that it had a split piston.

This meant a new engine was required. He complained to Vauxhall who offered to contribute 30% towards the replacement engine which still left Alistair with a bill of £5,000 that he couldn’t afford. What Car got involvd and as usual provided little advice but in this case there wasn’t much in Alistair’s favour.

He had assumed that the car had been serviced when he bought it but it wasn’t and in fact the car was due its regular service but believing a service had been carried out he missed a service. You wouldn’t have this confusion if the car was new when you got it.

He is now without a car that needs an engine that he can’t afford. Vauxhall refused to increase the amount they would contribute as the car hadn’t been serviced properly and he had no warranty on the car. He may have a case under European law but whichever way you cut it he is stuck with a lot of agro in his life because he bought a used car. Point proven yet again! By Graham Hill

Poor Car Condition: 73,500 drivers were taken to court in England and Wales for keeping a car in a condition that invalidates their insurance. The message here is that having a car insured comes with conditions. If your car hasn’t been properly serviced and maintained you could have an insurance claim thrown out.

EV Fast Charging: 100 miles of range can be added to an electric car in just 10 minutes when charging using BP’s new 150kW Rapid Chargers. What they don’t tell you is the cost

Car Maintenance: 61% of drivers don’t check their tyre pressures or oil at least once a month. Low tyre pressures can increase fuel consumption and tyre wear as well as make the car dangerous. Not checking the oil could lead to engine damage.

Cars Stolen: There were 307 cars stolen every single day in the UK during the 2017/18 financial year. More still needs to be done to protect drivers from car thieves. Make sure you are properly protected if you have keyless entry.

By Graham Hill

Fleet News reported on the following that I found interesting so I thought I would pass on, especially as I was nearly blinded last night when driving to Tesco in the rain last night. It’s incredible to think that headlamp regulations haven’t been changed since the 1960’s. Think we need an update!

The problem of glare – caused a headlight’s beam having a dazzling effect for oncoming traffic – is getting worse, research from the RAC suggests.

Nine in 10 drivers said ‘some’ or ‘most’ car headlights are too bright and 54% of these said they are dazzled more regularly now than a year ago.

When asked how they are affected by glare, six in 10 of those affected said they regularly get dazzled by oncoming headlights even though they are dipped, with a similar proportion (60%) being unable to tell if headlights are either dipped or on full beam.

Almost half (45%) also complained that they get dazzled by headlights in their rear-view mirror, while 70% believe some lights are so bright they represent an accident risk.

In fact, official Government data shows there are around 300 collisions every year where dazzling headlights are a factor.

Drivers were less clear on the likely causes of glare, however. Half (51%) blamed vehicles that sit higher on the road, such as increasingly popular sports utility vehicles (SUVs), for dazzling them although 41% said the problem was not caused by any particular type of vehicle.

Similarly, when it comes to lighting technologies, 55% believe ‘bluer’ xenon or the most modern LED headlights are to blame, but a similar number (51%) are not sure or cannot tell the difference between the types of lights.

The research also found that in some cases drivers themselves might be inadvertently causing glare – either by not adjusting their lights correctly, or by having badly-aligned lights. Almost half (47%) of drivers either never adjust their car headlights up or down when carrying different loads, or don’t do it regularly enough – something that is important in avoiding causing other people to suffer from glare as the aim of the headlight beam is affected by the load in the vehicle.

A quarter of drivers (26%) meanwhile have suspected problems with a misaligned headlight, with 9% of this group either trying to sort the problem out themselves or ignoring it altogether – all of these scenarios are likely to lead to a dazzling effect that could cause other road users discomfort.

RAC spokesperson Rod Dennis said: “The dazzling effect of another driver’s headlights isn’t just uncomfortable – in some cases it can be nothing short of dangerous, making us lose sight of the road for a short time. So it’s concerning to see that a greater proportion of drivers have reported problems with glare this year than last year.

“Among some drivers there is a perception that newer headlights cause more glare. But while a sizeable proportion claim it is the xenon headlights more often found in higher-end vehicles that are primarily to blame, a greater proportion either don’t know the difference between lights or aren’t sure.

“In reality, the issue of glare is a complex one and it’s not as straightforward as saying one type of lightbulb causes more of a dazzling effect than another – there are a range of reasons why a driver might be dazzled, from a slight misalignment of a headlight, the difference in ride height of different vehicles and even individual people’s vision. That explains why not every car headlight appears to be dazzling, with eight-in-10 drivers saying only some cause glare.”

Headlamp aim forms part of a vehicle’s MOT, and the requirements on garages to conduct this part of the test thoroughly were strengthened in 2016.

However, figures obtained by the RAC from the Driving and Vehicle Standards Agency (DVSA) show that of the 26.5m MOT tests completed in 2018 for Class 4 vehicles (which includes cars) over three years of age, 6% still failed as result of problems with headlamp aim, the equivalent of nearly 1.6m vehicles.

In 2016, the agency also stated that “headlamp aim consistently tops the MOT compliance survey as one of the most likely items to be assessed incorrectly by testers”.

Dennis said: “All headlights have to meet specific international standards, which motorists might be surprised to discover haven’t been updated since the 1960s and so do not take specific account of newer technologies like xenon and LED. And an overwhelmingly proportion of drivers – 84% – now want the UK Government to act to ensure the regulations are updated to remove the possibility of glare being a result of modern technology.”

I find I get dazzled regularly – what can I do?

• Talk to your optician. If you wear glasses, a coating can be added that can go some way towards making it easier to see when you are faced with car headlights. A quarter (25%) of respondents to the RAC survey wear such glasses.

• Adjust your rear-view mirror more often. Unless your car has a self-dimming rear-view mirror, you can reduce glare from vehicles behind you by doing this – more than half (56%) of drivers who responded to the survey say they do this.

By Graham Hill

Similar to speed cameras, new cameras are being trialled to measure noise levels from vehicles and like speed cameras, they will record the registration number of the vehicle exceeding legal limits.

The trial has been authorised by Transport Secretary Chris Grayling and will take place later this year. The cameras will detect noisy vehicles in quiet residential areas and anyone caught breaking noise level laws will be fined.

Noise pollution is becoming a big problem. So much so that many police forces have set up on-line systems that allow members of the public to report incidents. Mr Grayling is following the example set by Canada, Singapore, Australia and the UAE who are already using noise cameras.

Mr Grayling is keen to see the results of the trials as he is concerned about the misery caused to communities by thoughtless drivers exceeding acceptable noise pollution levels. If the trials are successful he will roll the cameras out across the whole of the UK.  The trials will also help to formalise legal noise levels. As a general rule noise levels over 90 decibels constitutes a nuisance but there is no formal noise limit.

So if you are having problems with car or motorcycle noise you can report it but it probably won’t be long before they install noise cameras somewhere near you. By Graham Hill

According to Auto Express, cars that are vulnerable to keyless theft are set to face higher insurance costs, after the industry experts responsible for setting vehicle “risk ratings” confirmed they would be penalising vehicles that are susceptible to relay attacks.

Thatcham Research, the insurance industry’s automotive research centre, confirmed that if manufacturers failed to include countermeasures to fend off relay attacks on cars with keyless entry systems, the organisation would recommend insurers judge them less favourably when calculating premiums.

While carmakers will be given a grace period to beef up the robustness of keyless systems, from 2021 Thatcham will change its new vehicle security assessment programme (NVSA) to reflect which models are most vulnerable to keyless theft. Insurers don’t have to abide by the guidelines, but the NVSA rating system helps to determine a car’s insurance group rating, meaning many cars are likely to attract higher premiums once the changes come into place.

Owners seeking to future-proof any prospective new-car purchase against potential insurance price hikes post 2021, meanwhile, can head to Thatcham’s security page to check if a car has a Superior, Good, Basic, Poor, or Unacceptable NVSA rating – though the grading system only applies to models introduced since the start of 2019.

You can reach the Thatcham Security Page by following this link:

https://www.thatcham.org/what-we-do/security/consumer-rating-2

The UK is currently experiencing an epidemic of car theft, with insurance payouts for stolen cars at their highest level since 2012, a study by German engineers finding almost every keyless system can be hacked, and police recording under half of all stolen cars being recovered. Carmakers have recently started to roll out fixes to the keyless conundrum, however, with Ford introducing a new keyless key with a motion sensor that puts the fob to sleep when it is not moving.

Commenting on the news, Mike Hawes, chief executive of the Society of Motor Manufacturers and Traders said the automotive industry “takes vehicle crime extremely seriously”, while the latest models “feature sophisticated immobilisers, tracking devices and encrypted key codes which prevent cloning.” Hawes also called for the government to ban the relay boxes that facilitate keyless theft. By Graham Hill