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When you took out the insurance for your car do you recall be ing asked what class of car insurance you wanted? Yes you would have taken out fully comprehensive insurance, especially if your car was leased, it would be a condition of the finance agreement. But there are also three categories you would have chosen from.

All policies cover you for Social, Domestic and Pleasure (SD&P). This basic cover only covers you for personal use and doesn’t even cover you to commute to and from work. The next level is SD&P including commuting. This means social domestic and pleasure and commuting to and from work but it doesn’t cover you to travel to another branch or to say a training course.

Class 1 is the next level which includes personal business use. This includes personal business use in connection with your job, which covers travelling between branches, attending training courses etc. Class 2 will cover you and others for SD&P and all business use. Finally Class 3 will cover SD&P and commercial travelling.

You may read this and not give it much further thought but Graeme Trudgill, Executive Director at British Insurance Brokers Association, said that the law requires you to be insured for the correct use of your car, if not you risk voiding your policy and a fine. So ignore this at your peril. By Graham Hill

A few years ago I returned to my Mercedes having been away for the day at a conference only to find that the car had been keyed. I actually felt relieved that I’d been driving prestige cars for many years and this was the first time my car had been vandalised.

It didn’t stop me from parking at the corner of the road for three nights running in the hope that I would catch the cretins doing it again – very silly I know but I was furious! So I was quite surprised to read that the most vandalised car in the UK is the Smart Car. Churchill insurance analysed insurance claims and found that Smart ForTwo and Smart ForFour were the most vandalised cars.

Analysis showed one in one hundred cars being vandalised, to put this into perspective next on the list was the Mini at one in one thousand cars. Small Alfa Romeo, BMW and Mazda car owners have complained about their cars being deliberately damaged. After analysing claims between 2013 and 2017 they found that there was a vandalism claim every 22 minutes.

Most claims were for cosmetic damage with 15% blamed on scratches and similar incidents. 12% of claims were for damage to bumpers with another 12% dings in doors. Steve Barrett, head of car insurance at Churchill said, ‘We advise victims to report vandalism to police, even when the damage is minor.’ We don’t know what the problem is with Smart cars, in 2009 several were pushed into Amsterdam’s canals and 2014 several were turned upside down in San Francisco.

Bloody typical, just as we have a great deal on them! By Graham Hill

I have to say that I’m not a big fan of President Trump and when he was constantly moaning about False News I thought he was being paranoid but reading all the nonsense printed and reported about diesel cars I can understand what he means.

I’m not going to deny that petrol and diesel cars are not good for the environment but the difference between the two is minimal. Petrol pushes out more CO2 whilst Diesel pushes out more NOX. Diesels also had a problem with particulates but used properly a new Euro 6 diesel emits no particulates at all.

I was speaking to an MOT tester and even 3-year-old cars often emit zero particulates when MOT tested. My view is that by raising diesel emissions as a major problem, mayor Khan and many local authorities are using the scare tactics to impose more penalties on those driving all diesels and not just the old models.

Ford have already said that they are committed to diesel cars and others are taking a similar line but we could be looking at a totally different playing field in 2 years time. Bosche have developed a new system that will reduce NOX emissions to just 13mg/km.

That’s about a tenth of the limit set to be the level required in 2020 under the next set of regulations known as RDE2. In technical terms, Bosche has moved the Selective Catalytic Reduction (SCR) System and the Diesel Particulate Filter (DPF) closer to the engine, allowing them to operate at optimal temperatures.

A faster-spooling turbo is fitted to improve operating efficiencies and the exhaust gas re-circulating system is modified to keep hot air pointed at emissions reduction components. The set-up also includes improvements to the fuel injection, Adblue dosing equipment and engine management software, while the development car’s engine capacity was reduced from 2.0 litres to 1.7 litres without loss of power.

When testing Bosch found the worst case scenario was driving around town when their car, a VW Golf, recorded a maximum NOx emission of 26mg/km because in very cold conditions the car struggled to get up to full operating temperature.

Fuel and AdBlue consumption remained the same although technicians said that in very cold congested conditions fuel consumption could increase by between 3% and 5%. Whilst the equipment cannot be retrofitted to older diesels it is available for manufacturers to order now. But the hardware changes needed mean the complete system is unlikely to be integrated into production lines for another two years. Excellent news for us supporters of diesel! By Graham Hill

Do you wash your own car or do you have it washed by a hand wash team now inhabiting one of the many filling station forecourts closed down over the past 10 years?

If you use the hand car wash option I warned some time ago about the use of some very strong chemicals with high acid content being used to clean alloy wheels and potentially damage or destroy them.

Some have sprayed the concoction onto paintwork that is heavily soiled with street muck, tree sap, or large packages plopped onto our cars by our feathered friends. At best fading the paint and at worst scabbing the paint. In my case I have been using the same team for 7 or 8 years and whilst they all come from abroad they always use good quality products and do an excellent job.

However, as this isn’t always the case a group of MP’s are looking into these hand car washes amid concerns that the staff are being trapped into ‘Bonded Labour’ and that some of the cleaning chemicals used are hazardous to the staff and to the environment.

The enquiry is being led by Mary Creagh, chair of the Environment Audit Committee who said on the BBC ‘We have environmental, employment and slavery concerns.’ The Car Wash Advisory Service – yep there is one, says that there are up to 20,000 hand car washes in the UK, with roughly 8,000 ‘bad boys.’

Whilst the investigation is being carried out always use a car wash you feel you can trust and if you are concerned about the cleaning chemicals being used – ask. Make sure that if you see the container it shows that the solution doesn’t contain dangerous or hazardous chemicals and is environmentally friendly. By Graham Hill

If you think that your new Mercedes was built in a highly efficient factory in Germany you would be mistaken, most models are now made around the world. Some are built in South Africa and some are built and shipped from South America to name just two.

The VW Polo is also built in South Africa and because of high import duties many manufacturers have factories in India. Many cars are manufactured in the most unlikely of places. Take the Vauxhall Mokka X – it is built in Bupyeong in South Korea and as for the true Brit Mini, whilst several models are built in the UK some are built in Austria and some in the Netherlands?

Buy a BMW X3 and it will have to be shipped over from the country of origin – the USA. And that’s not to mention the parts with some Ford parts for their Fiesta such as engines and gearboxes being manufactured in Brazil and Mexico – did you know that Mr Trump? So does it really matter? I would suggest not.

I can’t remember the last time I was asked where a car   was bolted together as a deciding factor – but could this change? Would you be happy if your brand new car turned up with a ‘Made In China’ sticker attached? But this could soon become a reality.

Not because the main manufacturers are considering building cars there but the Chinese manufacturers are considering selling their cars outside China and targetting Europe. And if they gain a foothold it may encourage European manufacturers to start building cars there.

After all Kia’s and Hyundai’s are manufactured in South Korea and their reputation is one of the highest in the marketplace, now ranked above Ford in terms of worldwide sales. In order to gain a foothold Beijing recently hosted their International Motor Show at which journalists were invited to Lynk & Co’s manufacturing plant, built at a cost of £1.4 billion.

They expect to produce 200,000 cars per annum at the highly automated plant. The consensus amongst the journalists was that the plant was incredibly impressive – as were the cars. As Auto Express said, the cars rolling out of the plant were finished to a higher level than many European cars. VW made noises that they would consider exporting cars made in China into Europe. Watch this space! By Graham Hill

When electric vehicles(EV) were first introduced you had to find one of the very rare charging points and leave your car plugged in for many hours in order to achieve a full charge. Th good news was that most of these charging points were totally free to use.

We then saw the introduction of home (or works) chargers that could be installed at home and run off the standard domestic electric supply. In order to encourage the installation of these charges whilst promoting the use of electric cars the Government offered a subsidy to those installing a charge point.

Of course this now meant that you would be paying to top up the batteries with latest figures showing that to charge the battery of the Renault Zoe from 0 – 80% would cost in the region of £4.00. Compare this with what you would now have to pay to charge your car at a public Polar slow charge point and it will now cost you £13 over 3 times as much.

What Car has looked into the anomalies and I’ve used some of their findings to report on the current situation. First of all they found that there were still some free charging points. They also found some wide variances between suppliers. Looking at the cost per kilowatt hour – when you charge your car at home it will cost on average 14p per kWh. Some public chargers are charging up to 40 pence per kWh with Shell currently on a promotional tariff of 25pence per kWh which will rise to an astronomical 49pence per kWh from 1^st June.

The charging points can charge at 22Kw or 43Kw, a slow or fast charge. But they found that whilst they were charged for the fast charge they only received the slow charge when connected to a Polar charge point in Hampshire. This meant that they paid £6 for a 30-minute charge but only got the equivalent of 15 minutes charging.

In addition to the cost of the electricity, you can also be charged per visit. This can add as much as £3.50 to the cost each time you charge the car. Some demand a registration fee of up to £20 to join their network. To add to the total confusion some will charge on a kWh basis whilst others charge on a minutes or hours basis. This makes it very difficult to compare tariffs.

The range of the cars is also confusing. The Zoe is top of the production car trees with an official range of 250 miles. But in the middle of Winter in real-world conditions, it was only found to achieve 130 miles. Like many EV’s the Zoe has two battery sizes, 22kWh and 41kWh, the second capable of rapid charging. Using the car with the larger capacity battery they carried out a 10% charge at a Source London charging point in south-west London. It cost £2.07 which may seem reasonable but would have cost £17 had they charged 80%. The fast charger took half an hour to charge up to 10%.

Next they were off to Winchester on the M3 where they hooked up to an Ecotricity rapid charger. They were down to 30% but in 46 minutes were back up to 80% at a cost of £6.90. That would mean the cost of 0-80% would be £9.36. However, if you are an Ecotricity customer with a home charger fitted the cost would drop down to half that figure as you receive a 50% rebate.

Finally, on their way back to London they used a Polar instant charger which cost £6 for a 30-minute charge. However, the bill was calculated on a charge rate of 43kWh but in fact they only received a 22kWh charge so they only received half of the charge they paid for.

So the industry needs to tighten up and if the cost of charging increases much more simple economics will take over and put people off this ‘cheaper form of motoring’. So is running an EV becoming more expensive to fuel than a petrol or diesel car. What Car put it to the test.

A 50% EV charge will give you a realistic 65 mile range. You pay £6 for that via a rapid charger. That calculates out at 9 pence per mile. If you have to add an admin fee for every charge (Geniepoint London demands £1.80 every time you charge using one of its rapid chargers)  the figure increases to 12 pence per mile. If you stop at a Shell garage after 1^st June the figure increases to 15 pence per mile.

Compare these figures with a Fiesta 1.0 petrol which costs about 13 pence per mile or a VW Polo 1.0 Diesel that costs 11 pence per mile. Of course, the electricity cost comes down if you only ever use your home charger. But if you use public chargers the cost is already above petrol and diesel equivalents. Something needs to be done. 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

If like me, you like to watch QI you will know that when asked a question with an obvious answer, the chances are that the obvious answer is wrong. So if you believed that the obvious answer to the question above was the ‘UK’ you would only be partly right.

The reason for saying this is that we will still be exporting to Europe, whether free of duty or not, the products must still conform to health and safety standards set down by the EU. Emissions from our cars must still conform to the EU standards, currently Euro 6.

But that aside we will have International Accounting standards that mean we can’t account for anything in a way we feel we should do – we must conform to the International rules. And that’s not all. What or who is the United Nations? If you thought out loud and said a body set up to maintain world peace and you were sitting on the panel of QI you would have an incorrect answer klaxon blasting in your ear.

The truth is that the UN is currently not only investigating the use of Chemical weapons by Assad but also headlight glare. A United Nations working party has been set up, following concerns by the public, to look into headlight glare to determine whether headlights are now too bright? With newer cars now being fitted with bi-xenon bulbs and even using matrix laser technology (no I don’t either) the public are suggesting that they are being blinded by the bright headlights.

Seriously, a body that I thought was set up to police the world is checking out the safety of car headlights. When did that responsibility pass to them or am I completely missing a point here?

On the point of headlights I read in the same article that an RAC investigation found that 65% of all motorists claimed that they were regularly blinded by oncoming traffic. Good enough then – no wonder the UN are involved. I could possibly understand it if headlight blinding was resulting in a serious number of accidents each year – but there is no evidence of that. All very confusing.

If they carry on down this path I can see us exiting from the UN – let’s call it BREXITUN. The world’s going nuts! 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

When Apple updates the operating system on their iPhones in the autumn of this year to IOS 11 it will include a mode that will prevent alerts from coming through to their iPhone whilst driving.

The ‘Do Not Disturb Whilst Driving’ feature is activated when connected to a car via Bluetooth or cable. It will silence all notifications and blank the screen. The feature will also respond to all messages coming through with a text message that says that the person is currently driving and is unavailable.

Passengers who are also connected to the car can opt to disable the feature by confirming that they are not behind the wheel. Drivers will be able to send messages in an emergency by saying the word ‘Urgent’ and can tailor the replies to different contacts.

The new feature, whilst it doesn’t stop those who are not Bluetooth connected from holding the phone to their ear or texting whilst driving, it is certainly a step in the right direction. Others in the industry have given the revision a thumbs up.

Pete Willians, spokesman for the BePhoneSmart campaign said, ‘We’re pleased that at last millions of drivers who use an iPhone are about to be able to put an end to intrusive notifications while they are behind the wheel.’ I agree. By Graham Hill