Latest News from MA Car Group
Top Small SUVs Of 2016 Named
If you’re looking for your next car and are thinking of investing in an SUV, you may want to pay attention to What Car?, which has compiled a list of its best and worst small SUVs available this year.
Making it to number one this year was the Seat Ateca, with the magazine highlighting its spacious interior, handling and affordability as the main reasons why it took the top spot. However, coming in a close second was the Nissan Qashqai.
What Car? named this model its car of the year, as well as giving it the best small SUV crown 12 months ago. This time around, the Ateca just pipped it to the post, but that didn’t stop the motoring publication describing the Qashqai as having an “excellent blend of driving dynamics, practical and spacious interior and tempting entry-level price”.
If even an entry-level price on a new car seems like too much for you, make sure you look into the finance options available to you if you’ve been refused car credit in the past.
Rounding off What Car?’s top five were the VW Tiguan, BMW’s X1 and the Renault Kadjar.
While Auto Express agrees with What Car? in that the Seat Ateca is the best small SUV currently on the market, its other choices differ. In at number two is the Citroen Cactus, with the Kadjar in at number three.
Nissan’s Qashqai, meanwhile, makes an appearance at number four, with the Dacia Duster finishing off the top five.
Brits Paying 12% More For Car Insurance Than One Year Ago
Over the last 12 months, drivers have seen their car insurance premiums increase by 12 per cent, which amounts to £100 for the typical motorist, according to MoneySuperMarket.
This will come as bad news to all drivers, but particularly those who have had experience of being refused car credit in the past due to financial problems.
However, chancellor Philip Hammond’s recent announcement that insurance premium tax will increase by 20 per cent from next June has resulted in policy prices soaring.
Kevin Pratt, consumer affairs at the price comparison site, said: “The government has committed to introducing reforms to tackle whiplash fraud, but we’ve heard this story before and need to see concrete action that brings down premium inflation as a matter or urgency.”
MoneySuperMarket found that the average cost for an annual premium was £597 in November, which is already an increase of four per cent since October.
Mr Pratt stated that drivers will be feeling the pinch already this winter, as petrol prices are also rumoured to be increasing to £1.20 per litre again.
He recommended the best way to keep expenses down is to search for the cheapest policies when approaching renewal, instead of going on to a rolling contract.
As much as £280 can be saved on insurance if motorists shop around, which can make a significant difference to the total premium cost.
Another way to save on insurance expenses is to look for a car that may be less attractive to thieves or cheaper to repair, GoCompare.com advised.
You could also customise your policy to make it more secure by limiting the number of miles you drive, parking your car off-road, or installing an immobiliser.
Driving Tired ‘As Dangerous As Drink Driving’
A new study conducted in the US has discovered that driving while you’re tired makes you just as likely to be involved in an accident as if you are equal to or slightly over the legal limit for alcohol.
So if you’ve found guaranteed car credit and will be able to get on the road in a new set of wheels soon, make sure you take care and stick to a sensible sleep routine.
Research by the AAA Foundation for Traffic Safety showed, not surprisingly, that drivers who have slept less than four hours in the previous 24 are most at risk of an accident - with this group experiencing 11.5 times the average crash rate.
People who had slept between six and seven hours were 1.3 times the average crash rate, the data revealed.
The organisation noted that healthy adults are recommended to sleep for seven hours per day, and those who regularly sleep less than this (five hours or fewer), as well as anyone who has slept less than seven hours in the past 24, or who has had one or more hours less sleep than usual, is more likely to be involved in an accident.
Commenting on the report, Edmund King, president of UK breakdown firm the AA, told Auto Express: “Even in the UK, we estimate that up to ten per cent of motorway fatalities may be due to drivers falling asleep.”
Earlier this year, the AA also highlighted the worrying fact that 15 per cent of motorists admit to very or quite often being unable to remember the last few moments, or longer, of their journeys.
Campaigners Call For More Driving Bans
If you have been refused car credit then we can get you back on the road in no time, and can even advise you on getting the safest car for you.
Road safety is of paramount concern, and some campaigners are drawing attention to the drop in the number of real driving bans handed out by the courts in recent years, according to Peterborough Today newspaper.
The total number handed down by the courts fell from 150,000 2005 to less than 60,000 in 2015.
Campaigners want the situation to be reviewed, particularly for drivers who hurt or kill people due to their driving.
Amy Aeron-Thomas, advocacy and justice manager for RoadPeace, the charity for road crash victims, said: “It is very rare that drivers committing offences on the road are sent to prison. It is usually only if they kill someone they are given a prison sentence.
“For dangerous driving offences that do not result in a death, less than half of offenders go to prison.”
They argue that driving bans are an effective form of deterrent, and point out that very few people convicted for dangerous driving receive a prison sentence.
The group is calling for lifetime driving bans for people who cause death by dangerous driving and longer bans as an option for people who drive dangerously to be given by courts.
Other groups have joined their call to increase the sentences and bans for drivers who drive dangerously, including Cycling UK and Brakes which feel penalties are not severe enough.
Driverless Car Partnership Breaks Down
Whether or not you need guaranteed car finance, many nervous drivers may be looking forward to driverless cars becoming more readily available.
There is a minor spanner in the works, however, for people who want to lay their hands on the latest automobile gadget, with big players BMW and Baidu ending their partnership in November.
The two big car manufactures announced their partnership in June last year, and worked on a significant research project.
Chinese company Baidu has ambitions to get driverless cars on the road by 2018, and has been using BMW 3 sedans in on-road tests in China, with plans to continue to run these tests in the US.
Tests involved a closed road and testing environment, to see if the self-driving cards would automatically bicycles and overtaking cars moving at various speeds.
It is now using Fords for its testing, according to Reuters.
"We now have found that the development pace and the ideas of the two companies are a little different," said BMW China CEO Olaf Kastner.
Despite this breakdown in the relationship between the two companies, they will continue to be partners on high-definition maps, which are necessary for the navigation of driverless cars.
BMW has similarly ambitious targets to market highly or fully autonomous cars by 2021.
European and US standards require that self-driving cars are able to communicate with each other in order to improve their safety, however, the plans outlined by Baidu had no such functionality which begs the question whether or not they are going to back a different standard from Europe or the US.
DVLA Failings ‘Unfairly Forcing’ Drivers Off The Roads
For some drivers, having been refused car credit finance is just one of the barriers to staying on the roads - especially for those with medical conditions that may interfere with their ability to drive. It’s the job of the Driver and Vehicle Licensing Agency (DVLA) to make the decisions as to whether a person’s health issues mean their license needs to be revoked. However, the agency has now apparently come under scrutiny for major failings in a number of specific cases.
According to the BBC, a Parliamentary and Health Service Ombudsman's report looked into eight complaints in detail which were directed at the Driver’s Medical Group, the department of the DVLA that makes judgements over whether people are fit to drive.
It found that these people, who had complex medical conditions, had been unfairly forced off the roads down to “flawed decisions, significant delays, poor communication and complaint handling in those cases”. For some, this put their lives on hold, as they became even more unable to function on a day-to-day basis.
One such case, a lorry driver who had been diagnosed with bipolar disorder, was denied his license despite his psychiatrist saying he was fit to drive. The driver told the Ombudsman: “Everyone is an individual but I didn't see anyone face to face. It was just a tick box exercise.” The delay in the re-application for his license cost him his £20,000 a year job. He was awarded £6,000 in compensation from the DVLA.
The DVLA says that since these cases, dating back to 2009, major improvements and new guidelines have been introduced.
The Best Ways To Save On Your Car Insurance
If you’ve come to MA Car Group having been refused car credit before, you’ll be keen to make your motoring as affordable as possible – encompassing everything from buying your car, maintaining it and insuring it so you can get on the roads.
We can help you with the great deal on a car, but how about nailing a great insurance deal? Well, the guys over at GoCompare.com have listed the top things you need to think about to beat insurance premiums that seem to be constantly on the rise.
Other than the obvious advice to use their website, they have three big tips to help you secure and keep the best deal for you.
First up, it’s a case of choosing the right car. This might seem obvious as more expensive cars cost more to insure, but it’s a valid point that sometimes you don’t consider the consequences of your choice further down the line. Cars that are more desirable to thieves or that are more expensive to repair and need specialist parts are also more expensive when it comes to renewing your premium.
There are 50 groups of cars that most insurers work too, and even within the same range, their placing can be drastically different if you choose a model with more mod-cons or higher performance.
Your second way to save is to customise your insurance – be careful with what you choose to add on to your policy and play into the insurers hands. Park your car off-road, install an immobiliser for example, or perhaps even commit to limiting the number of miles you do each year on the road. The less time you spend driving, the lower your premium.
Last but not least, don’t stay loyal to your insurer – make sure you follow the best deal!
3 Ways To Slash Your Car Cover Costs
Driving is expensive - this is something we all know. But there are ways in which you can keep costs to a minimum, which is something you might like to consider now since car insurance premiums are on the rise and the weak pound is likely to drive fuel costs up even more. Price comparison website Gocompare.com Car Insurance has come up with three great ways to cut the costs of your cover - so have a read if you want to claw back a few precious pennies.
New cars are categorised into 50 insurance groups so that insurers can work out which ones are most likely to be involved in a claim. The higher the group rating, the more expensive your car will be to insure. For example, a top spec Mercedes, Range Rover or BMW will be in a high group because they're more desirable to car thieves. Non-factory standard modifications can also make your vehicle more expensive to insure, because you may well override the standard group rating.
It's always a good idea to compare car insurance prices so you know you've found the best value policy out there for you and your particular car. You can also bring the costs down if you do this in advance as you'll look inherently less high risk than people who purchase their car insurance on the very day they need it.
Tailor your car insurance
Opting for a higher policy excess can bring your premiums down, or you can limit your annual mileage, improve the security of your vehicle or even add a more experienced driver to your policy so as to reduce your premiums. Do avoid adding anyone under the age of 25 as they will push your policy up.
You'd also be wise to check your car cover before driving someone else's vehicle or lending yours to another driver. Don't simply assume that your comprehensive insurance will extend to such circumstances. In fact, figures from Gocompare.com Car Insurance show that just eight per cent of fully comprehensive policies extend this cover for the policyholder to drive other vehicles.
Have you been refused car credit loans? Don't despair - see us here at MA Car Group today.
Consumer Car Finance Sees 9% Growth Y-O-Y
More people are borrowing money to buy their car, with point-of-sale (POS) consumer new car finance increasing by nine per cent in August compared with the same month in 2015.
According to the Finance and Leasing Association (FLA), the percentage of private new car sales financed by its members was 85.5 per cent in the year leading to August, which is also higher than the 85.3 per cent in the 12 months to July.
In terms of volume, POS consumer new car finance also grew by five per cent in August 2016 in comparison with 2015.
Head of research and chief economist at the FLA Geraldine Kilkelly said: “The growth reported by the POS consumer car finance market in August marked more than five years of consecutive monthly new business growth. The performance of this market is in line with our expectations of strong single-digit new business growth in 2016 as a whole.”
It is not just new car sales that have benefited lately, as the FLA’s findings show improvement in the second-hand car finance market as well.
The POS consumer used car finance sector grew by 23 per cent in value and 21 per cent in volume between August 2015 and 2016.
These figures represent a 14 per cent increase in value and 11 per cent rise in volume from the previous 12-month period.
Anyone who has been refused car credit in the past could come to MA Car Group where we offer car finance for those with a bad credit history, enabling you to drive home with a vehicle whatever your circumstance.
Have You Ever Had A Car Accident Abroad?
You should always take care when driving but it’s all the more important to focus on road safety when you’re motoring overseas, not least because you’re likely to be unfamiliar with the language and the rules of the road.
New research from Admiral has found that the number of people who had a car accident on the continent over the summer climbed by 14 per cent compared to 2015 – and was also six times higher than a decade ago.
Head of claims with the company Lorna Connelly explained that it’s true that using your own vehicle can save you on the cost of hire cars and package holidays, while also offering you more freedom.
However, she went on to add: “That’s also meant more UK motorists are having accidents on European roads, and this August we saw a record number of our customers contacting us from mainland Europe following an accident. August is always the peak month for people having crashes in Europe and so we always make sure we’re prepared to offer assistance and advice.”
Doing some research into the various rules and regulations for driving in your chosen country will always be advisable. Did you know, for example, that you have to carry a warning triangle in your car if you’re driving in Italy?
And if you’re enjoying a driving holiday in Spain, you’re not allowed to use your horn in an urban area unless it’s an emergency – so make sure you flash your lights instead. And, a little confusingly, on one-way streets in some Spanish cities you have to park on the side of the road that has even house numbers on even days of the month and on the uneven side on uneven days.
Have you been refused car credit? See us here at MA Car Group if you need a bit of financial assistance in getting back on the road.
Buying A Car Vs Leasing One
When it comes to car shopping these days, you don’t just have to think carefully about which brand and model you want to drive. You also need to decide whether you are going to buy the vehicle outright or opt for a leasing deal.
Here are our pros and cons of each to help you make your decision.
- Leasing: No big costs
Leasing vehicles has grown in popularity over the years as it enables customers to drive around in the latest models without forking out huge costs for their vehicle. A report by AutoExpress revealed the average price of a new car is £27,219, which is a huge amount of cash to have lying around for most people.
However, with leasing, you just have to put down a deposit then pay monthly charges for a fixed term, such as three years.
- Buying: An investment
Despite this initial outlay, lots of people still prefer to own their car completely as it gives them the option to drive it for several years without having to continuously pay monthly fees.
What’s more, you can always sell the vehicle and recover some of the money you’ve already spent on it if you no longer need a car or want to upgrade.
There are some great car finance deals for poor credit customers these days to help you, so it is definitely worth considering if you’ve been refused car credit loans in the past.
- Leasing: New car every few years
Another reason why many opt for leasing is it enables you to drive a brand new car every three to five years with all the mod-cons you could want.
- Buying: Don’t need the high spec features
However, not everyone needs the high spec features of a modern car. If you aren’t used to getting a new vehicle regularly and have been perfectly happy with your ten-year-old motor until recently, you aren’t likely to require modern fixtures and fittings of a new car.
While regularly getting a new automobile is tempting, you will end up paying the cost for these features in the long-run, as you will continuously have to pay monthly fees to keep up with leasing plans and vehicle upgrades.
Check Your Insurance Before Driving Someone Else’s Car
Drivers have been warned to check their car insurance policy carefully before getting behind the wheel of another car, as their comprehensive cover may not protect them in a different vehicle.
Gocompare.com Car Insurance revealed that only eight per cent of fully comprehensive policies extend full protection to its holder when driving another car.
Instead, the majority limit the cover to third party only, which means they will not be protected for damage, fire or theft of the motor they are driving.
Therefore, drivers could face steep costs to repair the vehicle in the event of an accident, which will not be welcome news to those who have struggled to get guaranteed car finance in the past due to monetary concerns.
Matt Oliver, a spokesman for the insurance provider, noted that only a “handful of insurers extend the full protection” to other vehicles.
He went on to say: “Many comprehensive policies also only provide full cover for drivers named on the policy – rather than ‘any driver’. So, if you need to drive another car, don’t get behind the wheel without first checking your insurance.”
Similarly, Mr Oliver advised car owners not to let other people get behind the wheel of their motor if they are not fully insured, as damage to their vehicle will not be included in the protection.
Gocompare.com’s findings showed that only four per cent of insurers provided fully comprehensive cover on another vehicle as an optional extra, just three per cent had it as standard for the policyholder and named drivers, and one per cent provided it but only to the policyholder and their spouse.Of course, not all motorists have fully comprehensive premiums, and research from the Co-op Insurance recently found that 43 per cent of drivers regard insurance as simply a legal requirement and 6.8 million (15 per cent) would not buy it if they did not have to.
Harsher Penalties Introduced For Using Phones While Driving
Now that you've sorted out your guaranteed car finance, you can get back on the road once again. What a great feeling! But whatever you do, don't use your mobile phone while you're at the wheel - you could find that you're slapped with six penalty points on your licence and a fine of £200.
That's because transport secretary Chris Grayling has just announced tough new measures where driving and using your phone at the same time is concerned. Currently, if you're caught on the phone while driving you may only get three points on your licence and/or a £100 fine.
Younger drivers in particular could find themselves adversely affected by the proposals if they're caught on the phone at the wheel. If they get six points on their licence within two years of driving, they'll find themselves disqualified and will have to retake both their practical and theory tests before they can drive their cars again.
Mr Grayling said: "We need to take responsibility for our actions and as drink and drug driving has become socially unacceptable, so must using mobile phones at the wheel. It may seem harmless when you are replying to a text, answering a call or using an app, but the truth is your actions could kill and cause untold misery to others."
It certainly seems as though the point about not using your phone while driving does need to be hammered home. A new report in the Manchester Evening News has just revealed that a police crackdown in the city caught ten drivers an hour using their phones at the wheel. In all, 31 people were found texting, calling or using the map app on their phone in just a three-hour period near Princess Parkway in south Manchester.
150,000 Banned Drivers Caught Behind The Wheel
There are good reasons why drivers may be banned from getting behind the wheel of a car, such as having jeopardised the safety of others in the past. However, this did not seem to matter to the 150,115 people in England and Wales who have been caught driving despite having their licenses taken away from them in the last ten years.
Churchill Car Insurance released analysis that revealed as many as 6,592 drivers were prosecuted last year alone for driving while disqualified, putting thousands of people’s lives at risk. This figure is the equivalent of 18 motorists every day in 2015.
Steve Barrett, head of car insurance at Churchill, said: “Disqualification from driving isn’t just a punishment for committing a very serious driving offence, or series of offences; it’s in the interests of all road users and their safety.”
He added that it is “shocking and frightening” that banned motorists continue to drive.
Even more shocking is the fact that 3,911 children below the legal driving age of 17 were prosecuted for driving while already banned from getting behind the wheel between 2005 and 2015.
Those who are caught driving while disqualified are made to pay an average fine of £247, with charges over the last ten years totaling £3,152,225.
Therefore, those who are short on cash and have bought their vehicle on bad credit car finance will not want to risk being disqualified from the road and then face the temptation to get behind the wheel again.
This is the particularly the case after research from the Debt Advisory Centre revealed nine million British adults think they have a problem with debt, and five million of these even have trouble sleeping due to financial worries.
5 Ways To Cut Your Car Insurance
Who doesn’t want to keep costs to a minimum after sorting out bad credit car finance? Driving is expensive, there’s no getting away from that fact, but you can cut the costs if you’re a little bit savvy where your car insurance is concerned. Here are five ways to do just that.
Try not to overestimate your mileage as you could possibly end up paying more for your insurance. Check your latest MOT certificate as this will give you an idea of your yearly mileage and what you should include on your insurance form.
Paying monthly instalments for your insurance can actually see you end up paying more. If you choose to pay it all in one lump sum you could save yourself a few precious pennies in the long run.
Interestingly, different occupations end up paying different amounts for their insurance. If you’re a journalist or an actor, for example, you’ll likely find that your premiums are higher than someone else with the same car but a different job. So tweak your job description to see if it has an impact – but make sure you don’t bend the truth too far.
Buy ahead of time
Don’t leave it to the last minute. You might save yourself some cash if you buy your insurance in advance as it’s possible that insurers will see you as more risk averse.
Add a named driver
If you know someone who has an exemplary driving record, adding them as a named driver can actually bring your premiums down.
Aberdeenshire Named Most Popular Place For 4x4 Drivers
With its cold weather and snowy conditions in winter, it is hardly surprising that Aberdeenshire has been named the most popular location in the UK for 4x4 drivers.
According to a new survey by Admiral, 25.22 per cent of the vehicles the insurance company provides cover for in Alford, Aberdeenshire, are four-wheel drives.
What’s more, many other areas of the region are also in the top ten, including Aboyne (24.74 per cent), Turniff (24.36 per cent), Banchory (23.4 per cent), Peterculter (22.3 per cent) and Inverurie (22.25 per cent).
However, the findings also revealed 4x4s are not just popular among those who drive in rural, mountainous areas, but also in urban locations known for their prosperity.
For instance, west London featured heavily on Admiral’s list of the top 20 locations for four-wheel drives, despite this type of vehicle not being used to its full capacity on the city’s streets.
Head of service at the insurance provider Alistair Hargreaves said: “There are two types of drivers for whom they are an essential drive; those who need them because the landscape they live in requires it and those who want to drive a 4x4 for its specifications, comfort and prestige.”
West London is renowned for its expensive cars and, during the summer, it is filled with the super sportscars of Middle Eastern multi-billionaires. Recently, Qatari Sheikh Khalifa bin Hamad al Thami brought a fleet of five hypercars, totalling nearly £5 million, to London to escape the sweltering heat during the warm months, the Mail Online reported.
Among the occupations most likely to have four-wheel drives are farmers (with 33.05 per cent owning one), followed by property developers (27.34 per cent), stockbrokers (27.21 per cent), company directors (25.63 per cent) and property landlords (24.42 per cent).
The popularity of 4x4s has also increased since the recession, with almost one in ten cars insured being four-wheel drives, which is an increase from below seven per cent in 2011.
If owning a 4x4 seems out of your reach, contact MA Car Group today for guaranteed car finance.
Scientists Question ‘Hands-Free’ Driving Safety
If you need a vehicle for work but are struggling to secure finance for one, a dealer who offers bad credit car finance will undoubtedly be your first stop in finding your new motor - one that can offer a reliable make and model to ensure you can stay on the roads.
We know that another great tool for those working on the road is your hands-free system, whether it’s built into the car or a separate Bluetooth device. This has been decreed the only safe and legal way to use a mobile phone while driving a car by the government, however, how safe really is it to use a phone at all when driving?
A new study by scientists investigating the effect of talking via hands-free when driving has discovered that drivers using them are more likely to have a rear end shunt as they become ‘overloaded’ by conversation, costing them vital reaction time.
The study, which saw drivers between the age of 30 and 40 using a mobile, hands-free or no phone in a driving simulator before performing an emergency stop, saw more instances of crashes and near misses in those using phones than not, including hands-free options.
Despite some ‘over-correction’ among drivers using phones who were aware their actions would be considered more dangerous, they were still more likely to have accidents, according to the Mail Online. “Even though they took a series of compensation behaviours to mitigate the risk, the cell phone use drivers still encountered higher risk than the drivers without [them],” said a researcher.
So, for those using hands-free devices regularly, it really is important to make sure you’re extra safe when driving, and aware that your concentration may be affected.
Qatari Sheikh Brings £5m Worth Of Cars To London
Wealthy billionaires from the Middle East often like to spend their summers in London, with the English capital giving them the chance to avoid the sweltering heat of their native countries.
And when they descend upon the city, they like to bring their home comforts with them – including their fleet of supercars.
This is what Qatari Sheikh Khalifa bin Hamad al Thami has done, parking five hypercars in Knightsbridge earlier this week, the Daily Mail reported.
The cars are thought to be worth nearly £5 million in total, with the selection including a Porsche 918 Spyder (£600,000), a Bugatti Veyron (£1.8 million), a McLaren P1 (£1.2 million), a Ferrari Le Farrari (£750,000) and a Ferrari F12TDF (£340,000).
Even though they have impressive speeds of up to 218mph and super-fast acceleration, their power will not be used to their fullest in the capital where they will be stuck in traffic and restricted to speed limits of 30mph most of the time.
Khalifa bin Hamad, the seventh son of Hamad bin Khalifa Al Thani, who ruled Qatar from 1995 to 2003, is one of the Sheikh’s 24 children. However, he clearly has enough money to purchase these super-expensive vehicles.
He is among many rich Arabs who stay in London over the summer and bring with them their ostentatious vehicles.
However, it is fair to say the majority of people in the UK cannot relate to their wealth at all, as research from the Debt Advisory Centre revealed 38 per cent of adults have missed payments on their bills in the last 12 months and defaulted on their debts.
2 In 5 Adults ‘Issued With Debt Default’ In The Last Year
If you’ve been struggling financially and have recently been refused car credit, don’t worry – you’re certainly not the only one out there, however heartening this may be to hear.
New research from the Debt Advisory Centre has found that 38 per cent – nearly two in five – adults in the UK have actually been issued with a default on a debt in the last 12 months, due to either late or missed payments on credit cards, utilities and mobile phone bills.
It’s important to try and avoid defaulting, since it will leave a mark on your credit score, a mark that will stay there for six years and which could end up affecting your ability to take out credit in the future.
“Getting a default notice is a wake-up call that your finances are getting out of control.Generally, lenders will continue to add interest and charges to what you owe, so if you try to ignore your missed payments the amount you owe will actually grow. If you have been sent a default notice it make sense to seek debt advice before your creditor starts legal action – which usually results in a County Court Judgement,” Melanie Taylor, debt expert, said.
Luckily, there are a number of solutions available if you are struggling with debt. You could, for example, opt for an IVA where you sign an agreement allowing you to repay your debt to lenders for five years, before any remaining amount is written off. Or you could go for debt consolidation, where your multiple existing debts are combined into one to help you reduce your monthly repayments.
17% 'Won't Do Safety Checks' Before Driving Overseas On Holiday
It always pays to be prepared when planning a driving holiday abroad, but it seems that many motorists neglect to carry out the necessary safety checks before leaving, with 17 per cent admitting that they don't do this or take any other steps to ready themselves for their trip away.
Research from Halifax Car Insurance shows that 64 per cent of people won't be checking the road signs in their country of choice before they arrive, while just 34 per cent say they'll check which side of the road they'll have to drive on - which would certainly be sensible if you want to avoid car accidents on your trip!
Taking a phrase book with you or learning a few words would also be a good idea just in case you do run into trouble, but it seems that UK drivers are a hardy lot and think they'll be fine while away. The study also found that only 15 per cent will have an idea of how to ask for directions in the relevant language.
"We'd recommend drivers keep themselves and their families safe this summer by ensuring they do a bit of homework before leaving the UK, and check they know what to carry, they understand what common road signs mean, and they have adequate insurance and breakdown cover in place for the country they are driving in," head of Halifax Car Insurance Paul Birkhead said.
When driving abroad, make sure you have your full driving licence with you, a copy of your DVLA driver record, an international driving permit when necessary, your vehicle's registration documents, your insurance certificate, your passports, your travel insurance documents and your visa, if you need it for the country you're in.
Looking for guaranteed car finance? Come and see us at Mark Andrews Used Cars today.
Drivers Fined £80m ‘For Parking In Wrong Place’
Drivers who have bad credit car finance and do not want to waste any extra cash will be inclined to make sure they always park in the right place from now on, after a survey revealed motorists spent more than £80 million in the last year on parking fines.
Churchill Car Insurance reported that 12 million drivers have admitted to parking where they are not allowed to in the past 12 months, which amounts to nearly a third of all motorists.
Despite this huge figure, only 1.8 million people have been charged for parking in prohibited places, with the total amounting to more than £80 million.
Steve Barrett, head of car insurance at Churchill, said: “It may seem worth the risk to chance parking in a restricted area but with fines averaging £45, that five-minute rush into a shop for a newspaper could end up being very costly.”
The most common unpermitted place for people to park is on double yellow lines, with eight per cent of drivers leaving their car here. As many as two million drivers (six per cent) park in disabled bays, and the same number have chosen mother and baby spaces to leave their vehicles.
While Mr Barrett reminded drivers that these places are designed to make the lives of those who may struggle where accessibility and parking are concerned slightly easier, 23 per cent of people who park in prohibited places defend their actions by saying it is just for a short time.
However, eight per cent admit they think they should be able to park wherever they would like to.
No matter where you park, it is wise to make a mental note of your space, as Direct Line Car Insurance recently found 29 per cent of Brits have forgotten where they have left their car in the last 12 months.
As many as ten per cent have had to pay for additional parking costs due to not being able to find their car!
Would You Buy Car Insurance If You Didn't Have To?
Owning a car can definitely be expensive, what with road tax, repairs, petrol and the rest of it, but would you decide to forgo purchasing car insurance if it wasn't a legal requirement of owning a vehicle?
New research from the Co-op Insurance has found that 6.8 million UK motorists would opt out of insurance if they didn't have to buy it, with 43 per cent of people on the road viewing insurance as something of a grudge purchase.
It's certainly interesting to hear that so many people share these views, given the fact that one in eight motorists make a claim on their insurance each year, with the average claim costing approximately £3,000.
Products and pricing director at Co-op Insurance James Hillon reminded motorists: "Insurance protects not only the drivers of vehicles but their passengers, other road users and communities across the country. With the average cost of a road accident coming in at around £3,000, it seems unrealistic to think that an uninsured driver would have this amount of money to hand to repair any damage and pay any legal costs."
It seems, however, that many drivers out there are opting out of insurance, even though they're legally required to have it. Recent research from Churchill found that 13.4 per cent of cars in east London are not currently protected, while the same is true of 9.3 per cent of cars in north London, 91 per cent in south-east London and 7.9 per cent in Liverpool.
Have you been refused car credit loans in the past? There are still ways you can get back on the road. Get in touch with us at MA Car Group to find out more.
Fuel Prices Drop For ‘1st Time In 4 Months’
News from RAC Fuel Watch released this week shows that the average cost of unleaded fell by 0.41p per litre, down to a UK average of 111.79p. That’s great news for motorists who’ve sorted their bad credit car finance and are ready to take advantage of the fleeting summer sun.
The decision by Tesco and Morrisons to pass on their wholesale savings to the forecourt is welcome news for drivers, who’ve seen steady rises for the last four months. They have capped their prices at 105.7p per litre for unleaded and 106.7p per litre for diesel. Asda and Sainsbury’s have also announced reductions of around two pence per litre.
RAC’s fuel spokesman Simon Williams said: “We are hopeful that the early August supermarket cut will make a bigger difference to household budgets in the summer holiday period even though it came a more than a week later than it should have done.”
With crude oil prices remaining five pence a barrel cheaper than this time last year, there are hopes of a price war between the supermarkets, which often use discounted fuel as a loss leader to drive sales. The supermarkets still provide the best value for money for fuel when compared to other providers.
All that means good news for motorists who have secured their car finance and who can enjoy the freedom of the roads while saving a little bit more money.
News from RAC Fuel Watch released this week shows that the average cost of unleaded fell by 0.41p per litre, down to a UK average of 111.79p. That’s great news for motorists who’ve sorted their bad credit car finance and are ready to take advantage of the fleeting summer sun.
The decision by Tesco and Morrisons to pass on their wholesale savings to the forecourt is welcome news for drivers, who’ve seen steady rises for the last four months. They have capped their prices at 105.7p per litre for unleaded and 106.7p per litre for diesel. Asda and Sainsbury’s have also announced reductions of around two pence per litre.
RAC’s fuel spokesman Simon Williams said: “We are hopeful that the early August supermarket cut will make a bigger difference to household budgets in the summer holiday period even though it came a more than a week later than it should have done.”
With crude oil prices remaining five pence a barrel cheaper than this time last year, there are hopes of a price war between the supermarkets, which often use discounted fuel as a loss leader to drive sales. The supermarkets still provide the best value for money for fuel when compared to other providers.
All that means good news for motorists who have secured their car finance and who can enjoy the freedom of the roads while saving a little bit more money.
6.5 Million Brits Worry About Debt ‘All or Most Of The Time’
Money worries happen to all of us but it’s certainly heartening to know that you’re not alone where financial problems are concerned – so even if you have been refused credit car loans in the past, don’t panic and think you’re the only one.
New research from the Debt Advisory Centre has revealed that 6.5 million adults in the UK either worry about their debt either most or all of the time, with nine million people thinking that they have a problem with debt.
Almost five million admit that they have trouble sleeping because of their debt worries, with just five per cent of those who have debts saying that they don’t worry about it.
“Debt isn’t just a financial crisis – it impacts almost every part of people’s lives, from their health to their relationships. The best way to deal with debt is to talk about it – debt advisers won’t judge you but they can help find a solution,” the Centre’s debt expert Melanie Taylor said.
If you have been refused credit or a loan, the company in question should tell you if you were declined because of a search on your credit file. They should also let you know which credit reference agency they used. If you have been refused a loan, don’t keep applying for credit as these will show up on your credit file and numerous applications in a short amount of time can make lenders think that you’re desperate for money – which can have an impact on your credit rating.
Being A Named Driver Could Save You ‘£736 A Year’
There are a lot of expenses associated with owning a car even for those who have secured guaranteed car finance, so you might be interested in getting insured on your parents’ insurance, instead of having a policy of your own.According to Comparethemarket.com, drivers between 17 and 24 could save as much as £736 per year by being a named driver on a policy held by someone over the age of 30. With car insurance premiums costing £1,275 a year on average for young motorists, this could be a very attractive choice. Comparethemarket.com’s head of motor Dan Bass said this is a “very cost-effective option” for those who would struggle with costs. He added: “Average annual motor insurance premiums have reached unprecedented levels which is unaffordable for a large portion of that age-group.” In fact, policies increased by 12.5 per cent last year alone, according to the price comparison site.
As the typical cost of a policy for a driver over the age of 30 is £441, and the expense of adding a young motorist to the policy is £539, this total is still less than the average price of a premium for someone aged 17 to 24.
However, policyholders have to be careful they do not take part in fronting. This is when the older driver takes out a policy but uses the car less often than the named driver and therefore fronts the product.
This is against the law and could result in the policy becoming invalid, as well as a prosecution for the policyholder.
Those who only use the car occasionally may seriously consider becoming a named driver though, especially as research from Halifax recently showed young people are growing increasingly worried about family finances.
It revealed that 33 per cent of eight to 15 year olds are worried about money, and boys seem to be more concerned about it than girls.
33% Of 8-15-Year-Olds 'Worry About Family Finances'
Parents looking into used car finance having been refused car credit loans in the past may not know it but their financial concerns could well be having an impact on their children.
Research from Halifax has found that 33 per cent of youngsters aged between eight and 15 are concerned about money, with boys more worried than girls and 63 per cent saying that they're keen to learn more about bank accounts.
It doesn't seem as though this fact is escaping parents, either. In all, 33 per cent of adults knew their kids had money worries. Those in Greater London think their children have these concerns, compared with 22 per cent in Wales. That said, 83 per cent of all parents asked said they're comfortable talking about finances with their children - up from the 76 per cent who said the same last year.
Head of Halifax Savings Giles Martin said: "It is concerning that one in three children worry about money. This is likely to be a reflection of young people picking up on their parents' financial anxieties and shows how money issues continue to affect many families."
No doubt you want your children to enjoy their childhood and not share adult concerns but it would certainly make sense to start their financial education as soon as you can so that they're ready for when they do need to start managing their own lives. Why not start them off with a bank account of their own and start teaching them how to budget and how to save so that when adulthood does arrive they feel more prepared?
Have You Named Your Car Yet?
One of the most important things for you to do after you’ve sorted out your refused car credit and have got yourself back on the road is to name your car. Ocean Finance research out this week (July 20th) has revealed that one in five motorists give their car a name so if you don’t want to be left out, now’s the time to start thinking about it.
If you need some inspiration, look to the top ten rundown for a few ideas. The most popular names were found to be Betty, Betsy, Lucy, Herbie, Bob, Sally, Bessie, Daisy, Foxy and Pablo (one of our favourites, that’s for sure).
Spokesman for the company Ian Williams said: “Us Brits love to bring our cars to life by giving them a name – and the names we give them are weird and whacky, well-known and wonderful. From the make and model of the car, family members and instinct, to simplicity, sarcasm and football teams, our study shows there’s no end to car-naming triggers.”
Of course, it can be tricky coming up with a decent name and lots of people use their number plates to help them come up with something. If you’re really struggling, however, why don’t you pay the Confused.com website a visit? There you’ll find a car name generator that will help you find the perfect name. Simply answer a few questions (like gender and age of your car) and you’ll have a name presented to you within seconds. It really couldn’t be easier than that!
Most Accident-Prone Drivers Revealed - By Profession!
We all know that the type of job you do can have an impact on how much you have to pay for your car insurance once you've got your bad credit car finance fully under control - but did you know that what you do for a living could actually mean you're more likely to have an accident when you're on the road?
Gocompare.com research has found that GPs are actually the most likely to have an accident, followed by hospital consultants, chiropodists, surgeons, psychologists, hospital doctors, dieticians, optometrists, drug addiction counsellors, district nurses and midwives.
The national average percentage of people making at least one at-fault claim in the last three years is six per cent. For GPs, that percentage climbs to 13 per cent. Other occupations with claims higher than the national average include police officers, journalists, barristers, baggage handlers and ministers of religion.
Professor Andrew Smith of Cardiff University's School of Psychology commented on the findings, saying: "The medical profession is typically regarded as highly stressful and stress can have a dramatic effect on people's cognitive functions and overall health. When people experience particularly high stress levels, it's common for them to become especially clumsy or absent-minded as they struggle to concentrate on tasks."
If you do want to keep your car insurance down, try and tweak your job description when filling out your insurance form. You might be surprised by how much you can shave off your policy. Just remember not to bend the truth too far!
Do You Suffer From Car Amnesia?
Forgetting where you've parked your car is easily done, especially if you've only just had your bad credit car finance agreed and it's been a while since you've been out and about on the roads. Don't worry too much, however - new research has revealed that you're certainly not on your own where vehicle amnesia is concerned.
The Direct Line Car Insurance study has found that 29 per cent of Brits (that's more than 14 million people!) have forgotten where they parked their motor in the last year, with a tenth having to shell out for additional parking after being unable to locate their car... totalling £126 million in extra charges!
Apparently, we're most likely to lose our cars in the supermarket, multi-storey car parks and shopping centre car parks out of town - so perhaps use your smartphone for good the next time you're parking and snap a photo of it and some surrounding landmarks so you can look at the photo for reference later if you do forget where you've put the car.
Director of motor at Direct Line Rob Miles said: "The fast pace and busy nature of everyday life often means that when it comes to driving, many drivers often park in a hurry and forget to take note of where they've left their car ... Forgetting where you've left your vehicle is not only a recipe for increased stress levels but it could mean you have to pay out extra parking charges or, worse still, find the car has been clamped or towed away."
If your car has been clamped, call the number on the back of the INF32 leaflet you'll find on your car. If your car has been towed, you'll need to find out where it is, pay a release fee and show confirmation that you've paid your vehicle tax.
13% Of Cars In East London ‘Are Uninsured’
One way motorists are trying to cut costs on owning a car is by not getting insurance, according to Churchill Car Insurance.
It revealed that as many as 13.4 per cent of vehicles in east London are not protected, followed by 9.3 per cent in north London, 9.1 per cent in south-east London and 7.9 per cent in Liverpool.
Mark Chiappino, honest motoring champion at Churchill, said the number of uninsured cars in the UK is “alarming”. It is against the law to not have cover for your vehicle, regardless of whether you have been refused car credit in the past and are trying to reduce your expenses.
He said: “Drivers across the UK are paying higher premiums as a result of unscrupulous drivers that fail to insure their vehicles.”
Mr Chiappino added there needs to be more awareness over the risks of uninsured motoring, as well as harsher penalties for drivers who do not buy cover for their vehicle.
Even those who have insurance are penalised if they are involved in an accident with someone who does not, as they are unable to claim on the driver’s policy, often resulting in them having to pay for the damage.
While east London has the highest percentage of uninsured cars, Birmingham is home to the largest number, with 55,142 uninsured vehicles in the West Midlands city. This is followed by Manchester at 37,167.
One of the reasons why many motorists are trying to avoid paying for their insurance is because costs have risen by more than £100 over the last year, according to the latest research from comparethemarket.com.
The price comparison site recently revealed the average car insurance premium costs £698 per year.
Buying A Used Car: A Quick Guide
If you’re watching your finances, buying a used car makes a lot more sense than getting a brand new model. It’s true what they say – cars start to lose their value as soon as you drive them out of the dealership. If you go for a second-hand vehicle, however, most of the depreciation has already happened but you’ll still get a car that can go the distance for a fair few years more.
When buying a second-hand motor, make sure you have your finance in place before you even start looking for a car. Sort out your bad credit car finance first so you know how much cash you have to work with and what vehicle you can realistically afford.
You’d also be wise to keep your eyes on the used car market so you know whether something’s been overpriced or not. Never allow yourself to feel pressured into making a purchase – there are countless used cars out there so have faith that you’ll find the right one for you.
When looking at a vehicle, make sure you do so during the day so that any problems become apparent immediately. A test drive is also an absolutely essential part of buying a used car so you know it drives correctly and there’s nothing to be concerned about.
Before you part with any money, always check as well that everything comes included in the price, from spare keys and the handbook to the spare wheel and jack and tools. For further advice where second-hand motors are concerned, get in touch with us at MA Car Group today.
Driverless Cars Hit ‘Ethical’ Hitch
If you’ve been refused car credit recently, you’re unlikely to be thinking about putting a down payment on new driverless car technology, especially in future years since some researchers predict they could replace manually driven cars as the transport for the masses.
However, this week a survey of the moral and ethical issues that surround driverless cars could mean that those plans have made an emergency stop, especially when it comes down to questions of the safety of passengers versus pedestrians.
According to The Guardian, researchers in France and the US have been polling everyday people about how they feel about no-win situations involving driverless technology.
The survey found that 76 per cent of people agreed the car should swerve and risk endangering the life of the passenger when the resulting risk to life exceeded that of those in the car.
However, when asked whether they would choose to buy such a car which required that choice to be made, they weren’t so enthusiastic. Shouldering the responsibility of safety at the driver’s own expense is the ideal, but a tough request to make of a consumer.
Previously, researchers have suggested that regulated cars which were programmed to minimise loss of life were the way forward with driverless cars. However, the survey found most people objected to that idea. This would lead to more people opting out of driverless technology, meaning the safe driving environment proposed by researchers is compromised.
So we’ll stick with the best used cars for now – driverless car technology boffins have a lot of things to think about before we step foot in one!
Motor Insurance Costs Rise £100 Over Year
The cost of insuring your car has risen significantly over the last 12 months, jumping by more than £100 on average for all age groups.
According to comparethemarket.com’s motor insurance index Premium Drivers, the typical insurance cost currently stands at £698 per year.
Car owners, who have bad credit car finance and find it difficult to stretch their money to cover their motoring costs, will be feeling the burn of this price increase as premiums are higher than expected for this time of the year.
Simon McCulloch, director at comparethemarket.com, noted that summer used to be a cheap time to buy car insurance as premiums were at their lowest due to a rise in competition.
However, this is no longer the case, and simply renewing policies onto a rolling contract could result in paying up to £300 a year more for younger drivers.
“Ultimately, to get a better deal, consumers could shop around for lower prices and switch provider,” Mr McCulloch stated.
The report showed there was a 17.1 per cent difference between the cheapest and average premiums between March and May this year. This is the largest disparity since December 2013, beating the 16.5 per cent difference experienced in December last year.
While the average car insurance policy between March and May 2016 cost £679, the cheapest was £564, meaning those who shopped around for the lowest price would have saved themselves at least £115.
MoneySuperMarket also agrees looking around could result in significant savings, stating that £232 could be saved on average by using price comparison sites when renewing car insurance policies.
Hydrogen Cell Cars Now Being Trialled In Wales
There’s a lot going on at the moment where car manufacturing is concerned, what with all this talk about electric vehicles and smart motorways going on. And now there could soon be a new model of car on the roads thanks to Welsh start-up Riversimple.
The company has plans to introduce a fleet of 20 hydrogen cell cars, due to be trialled in south Wales this year or next, with the first prototype produced earlier in 2016.
Dubbed the Rasa, the eco car has been designed and created with strength, lightness, simplicity, efficiency, sustainability, safety and affordability in mind. In fact, its name Rasa was taken from the Latin for ‘clean slate’ – tabula rasa.
However, you won’t actually be able to buy your own Rasa for yourself. In fact, Riversimple will be providing vehicles to customers under either a service or performance contract. What this means is that you’ll never buy the car but you can take on a contract, usually between one and three years. Once this contract is up, you can either renew, exchange or return your car.
This is because the company’s motto is to “pursue, systematically, the elimination of the environmental impact of personal transport”. As they explain, if cars are sold, the more that are sold the more money a company makes. With cars as a service, the longer said vehicles are on the road the more money a company makes.
A public 12-month trial of 20 pre-production cars is now in the offing, with the first full production model expected to come to the market towards the end of 2018.
Been refused car credit loans? Call us here at MA Car Group to see how we can help you get back on the road.
UK's First Driverless Car Insurance Policy Launched
Driverless car technology is always in the news these days, it seems, and now a specialist insurer has launched the very first driverless car cover in the UK, designed for those people who may already have driverless features in their cars (like self-parking). It's also intended for people who are thinking of buying a vehicle with autopilot or driverless features included.
Launched by Adrian Flux, it's hoped the policy will encourage even more debate about the issue of autonomous technology and liability. General manager of the company Gerry Bucke said the aim was to help inspire confidence in and provide clarity for the ongoing debate about who would be liable in a driverless car.
"We understand this driverless policy to be the first of its kind in the UK – and possibly the world. It's a fantastic starting point for the insurance industry and the policy, like any other, will be updated as both the liability debate and driverless technology evolve," he went on to say.
Features of this policy that differ to other more standard ones include covering customers for loss or damage if, for example, there are satellite failures or outages that affect the navigation systems, or if the car gets hacked.
The government has been working on supporting the research, and development and deployment of autonomous vehicles, including establishing a joint policy unit to ensure the UK remains a world leader in the development of this kind of car.
If you're looking for guaranteed car finance, come and see our friendly and experienced team here at MA Car Group to see how we can help.
Fine For Driving Too Close To Cyclists To Be Introduced
Motorists could soon be facing a hefty financial penalty for driving too close to cyclists.
The government plans to introduce a proposed minimum distance for cyclists in a bid to stamp out intimidating driving and make roads safer for cyclists, as reported by the Daily Mail. The fine could rise to as much as £5,000 if the contravention is such that it can be considered as careless driving.
Current UK laws with regards to cyclists and motorists state that cars must allow plenty of room for cyclists on the road. However, this spurious and ambiguous definition has left it open to a degree of interpretation and makes it difficult to prosecute anyone for careless driving, given that a clear, comprehensible distance has not yet been established.
The proposition suggests a distance of at least one metre.
The need to increase safety on the roads is a ceaseless one. Especially, it seems, for cyclists. Some reports show that the past few years have seen a 40 per cent rise in the number of deaths an accidents for cyclists on the roads, with last year’s figures showing there to be 21,287 road accidents for cyclists in the year prior.
As is normally the case it is unlikely that, if the proposed laws do come into effect, the fine will reach the upper echelons of the £5,000 (or thereabouts) bracket. Nonetheless, many will undoubtedly have to bear these changes in mind and amend their driving accordingly.
Road accidents of any description can affect the insurance premiums and overall cost of driving for many motorists, not to mention the potential threat they pose to those involved.
Fortunately, even for those with claims on their insurance driving up their premium or those who have been refused car credit, Mark Andrew’s Used Cars offers guaranteed car finance to get you on, or back on, the roads as soon as possible.
Top Tips For Buying A Second-Hand Vehicle
No matter how you choose to buy a car, whether it’s with a refused car credit loan or some other kind of financial package, you need to make sure what you’re investing in is worth the cash if you’re looking for a second-hand vehicle. Here are some tips to help you get it right first time.
Arguably, there is nothing more important to you as a prospective second-hand car buyer than the registration certificate of the vehicle you’re interested in. Also known as the logbook, this document is what the DVLA uses to record the model’s service history and other information. You should always make sure the seller has this in their possession before you buy.
Another key point for would-be car owners! Always, always, always take the car for a test drive before handing over any money. Try and do it in different weather conditions as well, and do some sharp braking or an emergency stop to see how it handles.
Avoid night time
Always make sure you go to see the car in broad daylight so you can easily spot any scratches, dents and other potential problems.
Make a list
Before you even start looking for a new car, write down exactly what you’re looking for in a vehicle, whether it’s the colour you want right down to price, mileage and room for the children and the dog.
It shouldn’t be too hard to make sure you don’t get stung by unscrupulous private sellers or car dealers, but you do need to be prepared. For a quote on a second-hand car, get in touch with us at MA Car Group today.
2 Million Drivers ‘Caught Speeding In 2015’
British drivers seem to always be in a hurry, don’t they? If you find yourself putting the pedal to the metal a bit too much, you’re certainly not alone – new research has revealed that nearly two million motorists were caught speeding in 2015.
Confused.com found that 1,852,204 drivers broke speed limits last year, an increase from 1,841,913 in 2014. As many as 402,859 motorists have already been caught speeding in 2016.
The price comparison site also reported 11 per cent of drivers, including those who have been guaranteed car finance, speed on a daily basis. This amounts to more than five million people on the road.
Car insurance expert at Confused.com Matt Lloyd said it is “worrying” to see the high numbers of those speeding.
“With more than four-fifths (79 per cent) of drivers admitting they have broken the speed limit at some point, drivers need to keep their eyes on their own speedometers,” Mr Lloyd noted.
Confused.com also reported that many motorists are breaking the speed limit by a considerable amount, with last year’s fastest speed topping 156 miles per hour on the A1(M).
Mr Lloyd stated that those reaching these speeds are “not only putting themselves at risk but they are putting other road users, pedestrians and bystanders in danger too”.
Those caught speeding may see their insurance costs increase, which could seriously affect their finances after MoneySuperMarket revealed that policies had already risen by 23 per cent on average in the year leading to the first quarter of 2016.
This was predominantly the result of the increase in insurance premium tax last November, which saw the levy grow from six per cent to 9.5 per cent.
Most Reliable Car Manufacturers Revealed
It’s exciting to think that after you’ve sorted out bad credit car finance that you’ll be back on the road in next to no time. But if you’re looking for a used car to buy, make sure you do some research into the manufacturers first so you know that what you’re investing in will be a reliable vehicle.
Auto Express has just published the results of its 2016 Driver Power car customer satisfaction survey, detailing the most and least reliable manufacturers out there, according to car owners themselves.
The top ten most reliable manufacturers for this year were found to be Tesla, Lexus, Dacia, Toyota, Honda, Mazda, Suzuki, Skoda, Subaru and Kia.
As for the least reliable manufacturers, the top ten comprises Audi, Fiat, Hyundai, Ford, Alfa Romeo, Nissan, VW, Land Rover, Jeep and MINI.
Commenting on the findings, Auto Express observed: “Tesla has made a huge impact on the car industry in recent years and despite it still manufacturing a relatively small number of cars, the firm’s customers appear to be delighted with the level of reliability they’re getting.”
If you buy yourself a new Model S Tesla, you’ll find that you can take advantage of electrical vehicle incentives. In fact, a £4,500 government grant is available and has been included in the price of the Model S from March this year. Other incentives are also available, including zero road tax, exemption from London congestion charges, no showroom or luxury vehicle tax and a Salary Sacrifice scheme available to business drivers.
To find out more about the different incentive programmes out there, visit the official government website.
Should Motorway Driving Lessons Be Made Compulsory?
A report in the Chronicle Live this week showed shocking dash cam footage of a near miss on Newcastle's central motorway following a car's botched undertake attempt of a bus on the inside lane.
Now, most of us know the rules of the motorway dictate that one should only attempt to overtake using the outside lanes to avoid such narrow misses as this. Similarly, the only lane that vehicles should cruise in, especially large, slow ones such as buses and lorries, is the inside lane. The footage shows these laws seemingly discarded and not adhered to.
Yet maybe the truth is that these drivers, like many others, simply don't know the rules. After all, how are we expected to know or remember the rules of the motorway when the only time we are required to before we are fully licensed drivers is for the theory test, which for a great deal of drivers was a long time ago?
This comes just a week after reports showed a young lady doing her make-up while driving 50mph in the outside lane of the motorway. Perhaps, with a greater initiative shown by authorities to teach new drivers, such incidents as these can be significantly reduced and thus prevent the drivers from inflicting harm, either to themselves or those around them.
It seems almost outlandish that learners are not even required to drive on the motorway before becoming a qualified driver. Pass Plus initiatives are available for new drivers, yet are not compulsory and therefore few new drivers have the foresight to take them.
Moreover, it is not just the risk of death and injury that presents a problem with regards to a lack of knowledge and experience on the roads. Crashes can significantly increase your personal insurance premium and also works towards justifying the ever-increasing national costs of insurance, especially for young people.
People with a history of claims on their car insurance can regularly find themselves refused car credit loans or finance. Even with a number of companies offering guaranteed car finance, few could argue that more emphasis needs to be placed on equipping both new and existing drivers better to drive on the motorways, ultimately creating safer roads for everyone.
Most Modified Cars Revealed!
When it comes to car modifications, it seems like Mini owners really know their stuff. New research has just revealed that 20 per cent of original Mini drivers make performance-enhancing and aesthetic changes to their vehicles.
The survey, compiled by MoneySuperMarket, also found that owners of Volkswagen Transporters, Mazda Rx7s, Nissan Silvias and Nissan 200s were most like to change their cars for performance and appearance, adding items like alloys and altering the suspension.
However, some drivers appear to prefer altering their cars for more functional purposes. Owners of Kia Sorrentos, Hyundai Sonatas, Volkswagen Caravelles, Jeep Grand Cherokees and Nissan X-trails were all most likely to do this.
“As soon as you modify or adapt a car you change the original specification, and thus the details on which the insurance is based. So whether modifications are made for aesthetic, performance or functional reasons, drivers need to make their insurers aware of any alterations, preferably before they are made. This will eliminate the risk of the policy becoming void,” consumer affairs expert Kevin Pratt kindly reminded motorists.
If you want to avoid driving up your car insurance, perhaps steer clear of fitting turbo engines, changing the bodywork, changing the transmission or adding roll bars and roll cages. Removing seats, changing the paintwork, uprating your brakes and upgrading your suspension can also see your premiums increase.
Have you just been refused car credit loans? Come and see our helpful and experienced team at MA Car Group to find out how quickly and easily we could get you back on the road.
13 Week Wait For Young People’s Driving Tests
The first car remains an elusive and, in many cases, unreachable benchmark for many prospective young drivers. For 17-24 year olds, getting a car on the road is an ever-increasingly difficult task.
Manchester-based driving instructor Anthony Dawson has revealed that a dearth in test invigilators has seen the waiting lists for tests rise to “a staggering 13 weeks in the Manchester area” and claims it is worse in other areas across the country. Moreover, a recent article in the Telegraph indicates that the average cost of getting a new driver on the road in the UK is at an all-time high of £5,000. This estimation includes the cost of a new vehicle, insurance, tax and MOT.
It is almost unthinkable to expect young people to be equipped to produce this kind of money. It also remains increasingly difficult for people in this age bracket to have built up a credit rating of any significance and thus this may lead to them being refused credit or not even considered for car credit loans.
Yet, despite the odds, all hope is not lost for young drivers. Many companies continue to promote tantalising offers that guarantee car finance, whatever the credit background, age and experience of the prospective individual.
Finance offers an accessible and, most importantly, affordable way for young drivers to access the roads without having to cough up the dizzyingly extravagant sums required to get started.
Many drivers have also resorted to the black box, which tracks a driver’s behaviour on the road and can lead to much lower insurance costs for sensible drivers, with the aforesaid Telegraph article claiming that some half a million drivers have opted for this tactic.
In a world inundated with the likes of ever-increasing insurance premiums and rising fuel costs, the offers of the likes of guaranteed car finance remain a saving grace for both young and experienced drivers.
Avg Car Premiums ‘Up 12%’ From 2015 To 2016
Bad news for all of you who’ve just sorted out your bad credit car finance and are about to hit the roads once again – car insurance premiums are on the rise, with the average policy climbing 12 per cent in the 12 months to the first quarter of 2016.
MoneySuperMarket analysis shows that drivers would benefit from shopping around for their policies, as doing so would net them savings of up to £232.
It’s not all doom and gloom, however, and younger drivers appear to have bucked this particular trend. The stats show that although premiums are still high for those aged between 17 and 19, the average policy dropped by two per cent year on year for the first quarter of 2016, falling from £1,070 to £1,052.
Consumer affairs expert with the price comparison site Kevin Pratt said: “One of the main reasons for overall price hikes is the increase in insurance premium tax from six per cent to 9.5 per cent in November 2015 (it will rise again to ten per cent of premiums in October 2016). Insurers are also charging more because of high levels of pay-outs for whiplash claims, many of which are thought to be fraudulent.”
Shopping around for car insurance is generally advisable because insurers tend to offer their very best prices to new customers in order to get them to sign up. They then make their money back later down the line by driving prices up when people come to renew. Auto-renewal is something to look out for, since many often don’t even know they’re agreeing to this when buying their policy.
Self-Driving Cars To Affect Insurance Premiums, Says Volvo Boss
If you’ve been refused car credit loans before, the last thing you’ll want to hear is about impending rises to car insurance costs, so the good news is that the advent of the driverless car will almost certainly bring down insurance premiums in the future, according to the boss of Volvo.
The message comes with the announcement that Volvo will begin testing driverless cars in the UK from as early as 2017.
Research from the US has estimated that the technology will see a decline in road traffic accidents by almost 80 per cent over the next 20 years as the human factor is removed from the situation of driving.
First up, it’s very good news for humanity in general, as it will mean fewer fatalities on our roads, which currently sits at around 1,700 deaths per year, according to Government statistics for 2013.
Of course, it’s also good news for drivers too – who will face far lower insurance premiums as the number of road traffic accidents falls. However, for the insurance companies, the advent of this technology provides a bit more of a mixed bag of emotions reports the International Business Times.
According to James Dalton, director of general insurance policy at Association of British Insurers welcomed the technology as a lifesaver. For the insurance, he says, there are new avenues to explore. "There will always be a need for insurance and our industry is used to adapting as new risks emerge and others fade,” he says.
With the technology, insurance will undoubtedly be needed regardless, only time will tell what form that takes.
Study Reveals Nation’s Used Car Turn Ons And Turn Offs
Of course, being able to get bad credit car finance isn’t the only perk of buying your used car from a reputable dealer like MA Car Group, but you also get a vehicle that’s been ensured to be in the best shape it can be for being resold.
Unfortunately, when buying a car from other individuals, you don’t get that same service and this week an AA poll discovered some of the horrors of searching for a used car that really turn a buyer off.
The data, reported by Car Dealer magazine, discovered what was most likely to make a buyer walk away from a deal. An incomplete service history or one that showed extensive repair work was one of the biggest turn offs with 38 per cent of respondents saying that would be a deal breaker.
However, aesthetics are important too. Another 38 per cent of respondents withdrew after noticing bad bodywork, while 31 per cent would not purchase a used car with damage to the interiors.
With 13 per cent of used car buyers refusing to purchase if the owner wouldn’t let them test drive, it’s no wonder that a large amount of people judge the car on how it feels when test-driven. For 37 per cent of people, that was the thing that turned them off buying a second hand motor.
Paul Yates from the AA had this practical advice: “Ask to see the service history and, if it’s incomplete or shows lots of repair work, that could be a warning sign. A history check will also rule out insurance write-offs and stolen cars.”
Of course, at MA Car Group you get all this and more, with extra measures to ensure you have full peace of mind with your new used car.
21% Of Motorists Risk £1k Fine By Driving Without Glasses
A fifth motorists will have to pay a £1,000 fine if they are caught driving without their glasses or contact lenses in, as 21 per cent of drivers with poor eyesight say they always take to the road without them.
This news could encourage those with bad credit car finance to remember to put their glasses on when they get behind the wheel, for fear of being hit with the hefty charge.
According to Direct Line Car Insurance, 67 per cent of those who have poor eyesight but do not always wear their glasses or contacts have had an accident in the last two years, compared with just 16 per cent of all drivers.
Director of motor at the insurance provider Gus Park said: “Having good eyesight is a basic requirement of safe driving.”
He went on to add: “Driving with poor eyesight is illegal and can be as dangerous as drink driving.”
As many as 13.3 million motorists are risking their lives by taking to the road without wearing their glasses or contacts. If caught, they would also invalidate their insurance, have to pay a fine and could go to prison, depending on the scale of the accident.
People are more likely to be involved in an incident without glasses or contact lenses on short journeys, as a quarter of motorists have admitted to driving locally without theirs, while 15 per cent have driven long distances of over 50 miles with poor eyesight.
It is not just those with poor eyesight that are a risk for other road users, but drivers who have their pets in the car.
Recent research from Confused.com revealed 32 per cent of pet owners travel without restraining their pet in their vehicle, despite 27 per cent saying they have been distracted by their animal roaming around.
One-Third Of Young Drivers Want To Change Tests
Young people want to change driving tests to help better prepare new drivers for having a licence.
According to research from Co-operative Insurance, 36 per cent of drivers aged between 17 and 25 do not think the test adequately leaves them ready to take to the road alone.
Only 35 per cent of young drivers, who are more likely to be refused car credit due to their lack of financial history, feel partly prepared to get behind the wheel after passing their test.
Sarah-Jane Martin, spokeswoman for road safety charity Brake, said: “Road crashes are the biggest killer of young people in the UK and worldwide.”
She emphasised a campaign to introduce Graduated Driving Licences (GDL) for new drivers to enable them to build up their experience over time.
Charity Brake calls for learners to have lessons for a minimum of one year and new drivers should have a novice licence for two years.
Novice drivers will then not be allowed to carry passengers under 25 without supervision, nor drive between 23:00 and 06:00 unless supervised. They will also have to adopt a zero tolerance drink drive limit and not be able to go on motorways.
Indeed, 76 per cent of those asked by the insurance provider said the driving test should include motorway driving, 57 per cent wanted tuition in both day and night-time driving, and 39 per cent wanted driving with a satnav to be part of the assessment.
Despite 98 per cent of young drivers thinking they are safe when behind the wheel, almost a third admit they drive when they are tired, a quarter break speed limits and 16 per cent use their phone in the car.
Brake asserts that fewer accidents would happen if the GDL was implemented in the UK, as car crash injuries in New Zealand reduced by 23 per cent for those aged 15 to 19 following the introduction of GDL.
Driverless Car Technology Misconceptions Revealed
If you thought you’d be able to get your hands on a driverless car so you could get it to take you home after a heavy night at the pub… well, you’d be wrong. However, you certainly wouldn’t be the only person contemplating using driverless technology in this way.
New research from Co-op Insurance has found that 22 per cent of young drivers think they’d be able to drink and drive if they had a driverless car, while 24 per cent believe they’d be able to sleep behind the wheel and 28 per cent think they’d be able to travel while doing other things.
Of course, it’s not quite as simple as that and if you do own a driverless car, perhaps purchasing it after sorting out guaranteed car finance, you’ll have to be in the driver’s seat at all times, be capable of taking over manual control immediately if required and also adhere to other laws of the road – such as no drink-driving.
“Driverless cars are no longer the stuff of science fiction and are set to be on the roads in the next few years. It’s important that drivers are educated about what they can and can’t do in driverless cars, in addition to how the technology works, before they can get behind the wheel,” head of telematics with the company Steve Kerrigan said.
Highways England revealed at the start of this month (April) that driverless cars will be tested on UK motorways by the end of next year. This is so that real-world data can be collected relating to performance and impact on capacity and operations
2 Days A Year Spent At Red Lights!
We Brits love to queue, or so they say, but even given that fact we're sure that none of you motorists will like to hear that we spend over two days each year sat waiting at red lights.
Research from price comparison site Confused.com shows that there are over 33,800 traffic light systems on our roads, rising by 23 per cent since 2013, so perhaps it's no surprise that we're finding ourselves sat at the lights for a lot longer than we used to.
That said, while we seem to love to queue we also seem to be a nation of impatient drivers. The study also found that 29 per cent of motorists have gone through a red light, 32 per cent of whom admit that they did so on purpose. Best be careful if you suddenly get the urge to run the gauntlet, however - 16 per cent of those who have gone through a red were actually caught in the act.
Motoring expert with the group Matt Lloyd said:" With motorists waiting an average of eight minutes a day at traffic lights, this can add up over a year. But the risk of driving through a red light can outweigh the benefits. Rushing through a red light can cause problems for drivers and pedestrians alike. And getting caught can cause problems for your insurance."
While you definitely aren't allowed to go if the lights are on red, many drivers also seem to believe that it's ok for them to drive off if the lights are on orange, known as an amber gamble. If the lights are showing red and amber, you can prepare to go but you must not pass through the lights until they're on green.
When a single amber light is showing, you have to prepare to stop before the first white line. You can only go through an amber light if you've crossed the stop line as it changes, or if you're so close to the stop line that stopping could cause an accident.
If you've just sorted out guaranteed car finance and are back on the roads, make sure you familiarise yourself with the Highway Code so you know just what you can and can't do in order to stay safe on the roads.
RAC: Fuel Prices Will Rise With a Bump
Motorists will feel the financial burden of rising fuel prices, particularly those who have been refused car credit in the past.
The RAC has estimated fuel costs will continue to rise, following an increase in petrol costs last month from 101.91p per litre to 105.26p.
This £1.84 increase for drivers of average-sized cars represented the first growth in petrol prices for eight months, suggesting the period of low fuel costs is over.
Spokesman for the RAC Simon Williams stated: “Unfortunately, it’s happened with a bit more of a bump than motorists were probably expecting.”
He noted an oil production meeting on April 17th will further determine whether oil costs will increase, which could raise the average price of petrol and diesel as a result.
After a decline in the oil market, the cost of oil recently went back to over $40 (£28.36) per barrel, which has not occurred since December 4th 2015.
Mr Williams added that while costs are likely to rise again, “motorists should hopefully not see the eye-watering prices” of April 2012. At this time, the average charge of a litre of petrol was 142p, while diesel was nearly 150p.
The government has tried to limit the impact of rising oil prices on drivers by sustaining a freeze on fuel duty in its latest Budget for 2016-17.
For the sixth year in a row, the tax will remain at a main rate of 57.95p per litre, saving motorists an average of £75 per year in comparison with fuel duty escalator plans from before 2010.
This is the longest period of time fuel duty has been frozen in over 40 years.
Pet Passengers Putting Motorists At Risk
Having pets in the car could put yourself and other motorists on the road at risk of an accident, as they tend to be a cause of distraction.
Research conducted by Confused.com found 27 per cent of pet owners who drive have been distracted by their animal while behind the wheel.
Despite this, 32 per cent do not restrain their pet when they are in the car, and 12 per cent let theirs roam freely in the vehicle.
Matt Lloyd, motoring expert at Confused.com, told drivers with guaranteed car finance and others to be “mindful of travelling safely” with a pet in the car.
“While many animals will sit quietly on the back seat for the duration of their journey, others will leap about, move around and possibly cause a distraction to the driver of the vehicle,” he stated.
Confused.com’s findings revealed that nearly a quarter of drivers with a pet regularly bring them along on car journeys, and as much as eight per cent let their animal stick their head out of the window, which could be dangerous for the pet as well as other motorists.
Mr Lloyd advised pet owners to safely secure the animal with crates or a pet seat belt, not attach a restraining device to their collars, give them fresh water and treats, take home comforts like toys or bedding to relax them on the journey, and ensure the car is ventilated.
National Pet Month was set up to encourage people to take responsibility of their animals. Various events and campaigns will be taking place over the next few weeks involving thousands of people to raise money for animal safety and to promote proper care of animals.
Concerns Over ‘Jekyll And Hyde’ Road Ragers
When it comes to bad credit car finance, we’ve got all the time in the world to help you out, but when it comes to a bad attitude when you’re on the road, it’s a different story. While most drivers might think of themselves as calm people in their everyday lives, 58 per cent of motorists admit to acting aggressively while driving, according to a new study from Churchill Car Insurance.
The research found that in instances of both shouting and swearing while behind the wheel, more than twice as many people do it in a car than would do face to face with another person. So what’s behind this Jekyll and Hyde reaction when British motorists get in the driving seat?
The research, reported by Road.CC, drafted in psychologist Donna Dawson to help explain some of the reasons we allow ourselves to get so worked up in the car.
She believes that drivers feel they are in a safe place when in their vehicle, disassociated from the environment around them. This means that they can vent their frustrations about other vehicles (or life in general) without the fear of being confronted.
“Motorists are human beings, not machines, and so they are prone to inconsistency, distraction and making mistakes,” Donna says. “An angry, aggressive driver is a danger to themselves and others because they are out of control, so it’s better to give them a wide berth and to shrug it off”
Allowing yourself to calm down is essential, as well as looking to avoid overreacting to situations that arise with other drivers.
£3,685 – How Much New Drivers Spend On Their 1st Car
The average amount that new drivers will spend on their first car has been revealed and the amount may well surprise you. Apparently, £3,685 is the typical amount spent, although regional disparities have been discovered as well.
Figures from Gocompare.com Car Insurance show that Scottish people spend the most, forking out an average of £5,449 for their first car, compared with south-east drivers who pay the least at £2,928 on average.
Of course, when buying a new car – be it using bad credit car finance or another source of income – you need to factor in the other associated costs, such as insurance. It can be expensive for 18-year-olds to insure their vehicles, which is why it perhaps makes sense to look out for makes and models with cheaper quotes.
The Gocompare.com research found that a Ford Ka 1.2 Zetec has an annual premium of £819.96, while the Vauxhall Agila 1.0 Ecoflex comes with an annual premium of £985.63.
“Insurance premiums will be lower for younger drivers if they choose a standard car with a smaller engine in a low insurance group. So the BMW and the Mini Cooper, whilst affordable to buy, will cost a lot more to insure than the Ka and the Agila,” spokesman Matt Oliver said.
Parents need to make sure they avoid telling little white lies to bring their insurance quotes down for their children as well. Fronting, where parents are added as the main driver even if it’s not the case, can affect the result of a claim following an accident, which you should always bear in mind.
Drivers Save 40 Minutes A Week During School Holidays
Commuters who get to work driving in their car can expect to spend less time on the road over the next couple of weeks while school kids are on holiday.
Confused.com has reported that drivers, including those who have been refused car credit loans in the past, will save 40 minutes per week just on their morning commute, with the average journey time dropping from 30 to 22 minutes during the Easter break.
Its survey found 38 per cent of drivers admit they are much calmer behind the wheel during the school holidays, as there are far fewer people on the road.
Matt Lloyd, motoring expert at Confused.com, said: “Many British drivers can look forward to quicker commutes in the morning. I’m sure many office managers will also be happy about this, as their staff will be arriving earlier.”
The price comparison site found commuting can cause a lot of road rage, with 20 per cent of Brits admitting to getting angry during their daily journey, and 15 per cent saying they get to work in a bad mood due to traffic.
Mr Lloyd reminded drivers that they should continue to be careful on the road, “whether they are very busy or very quiet”.
Friday is the day young motorists should be more careful when on the road, following recent research from Co-operative Young Driver Insurance.
It revealed more claims are made by 17 to 25-year-old drivers regarding accidents and damage to vehicles on Fridays than at any other time.
Friday Most Dangerous Day For Young Drivers
Even if you've been refused car credit before, MA Car Group is a great place to look for a first vehicle for your young driver - making sure they're in something super safe when on the road. Safety is a parent's number one concern when sending their new drivers out into the world, so you may be interested to hear about new research from The Co-operative which reveals the ways young drivers are most at risk.
According to new data based on claims by young drivers, it seems that the most accidents take place on a Friday for those aged between 18 and 25. The most common month for accidents is also revealed to be March - so now we've waved goodbye to the last Friday of March, you can heave a sigh of relief.
However, the reasons behind accidents being more common at these times are less clear. Jonathan Guy, head of claims at the Co-operative Insurance, said: “Our data shows that there are clearly riskier times to drive if you are a young driver aged 17-25. This could be for a range of reasons from rainy conditions on the road, to low sunlight, to icy conditions being less frequent and drivers thinking it is safe to speed."
Their advice - remember the basics. Drive within speed limits, don't use your phone while driving and keep space between you and the car in front. Following all these rules will make sure young motorists are as safe as they can be on the roads.
The Co-operative also has a special young person’s insurance that rewards drivers with cashback if they drive safely.
Speeding Revealed To Be Most Common FPN Offence
It pays to be careful after you've organised guaranteed car finance for yourself and are ready to hit the road once again - or you could find yourself hit with a fixed penalty notice (FPN).
Figures from Direct Line Car Insurance show that speeding is the most common offence, followed by obstruction, waiting and parking, seat belt issues, neglect of traffic signs, directions and pedestrian rights, use of handheld mobiles when driving, licence, insurance and record-keeping, vehicle test and condition, lighting and noise, and careless driving.
Director of motor at Direct Line Gus Park said that millions of people are risking fines and points on their licence for basic failures like not wearing a seatbelt.
"The analysis highlights that millions of drivers are being penalised each year for flouting the most obvious of traffic laws, such as speeding. Careless drivers put lives at risk and are also a major source of concern and irritation for those motorists that abide by the law," he said.
Something else to look out for when driving around in your vehicle once the car finance is sorted out is parked cars. Recent research from Gocompare.com found that six per cent of drivers (that's 1.7 million people) have actually hit a parked car when on the road and driven off without leaving their personal details behind for the other driver to use to get in touch when they return to their car.
Younger drivers and men were found to be the worst culprits in this regard. If you do drive into a parked car, take a photo of any damage sustained by either car, and leave a note with your contact details on it to explain what happened.
How Drivers Will Be Affected By The Budget 2016
Be aware after you’ve arranged bad credit car finance that the Budget 2016 will likely have an impact on you now you’re back on the road.
Chancellor George Osborne has revealed that fuel duty will be frozen for the sixth consecutive year (resulting in the typical driver in the UK saving £75 annually), but motorists will find they take a hit where their car insurance bills are concerned.
Mr Osborne announced a small rise in insurance tax premiums, up by 0.5 per cent to help pay for additional flood defences.
This small hike, however, could have an impact on many people’s lives who depend on their cars to get to work or take children to school. A recent study from Green Flag found that higher petrol pump prices would see nearly a fifth of drivers take public transport to work instead of going in the car, while one in 20 admitted they were worried they’d have to work closer to home as they wouldn’t be able to afford the extra expense.
“This is a Budget that gets investors investing, savers saving, businesses doing business, so that we build for working people a low tax, enterprise Britain, secure at home, strong in the world,” Mr Osborne said in his speech.
As for the roads themselves, a £130 million repair fund has been made available for the damage sustained during storms Desmond and Eva, tolls on the Severn crossing will be halved by 2018, trials of driverless cars have been approved for 2017 and there will be a new tunnel road constructed under the Pennines from Sheffield to Manchester. Visit the official government website to find out what else Mr Osborne has in store.
20% Of Brits ‘Do Not Save For A Rainy Day’
It is not surprising so many people look for car finance for bad credit, as recent research has found 20 per cent of Brits save nothing from their wage every month.
Santander’s UK Savings Personalities test has revealed 13 million people in the UK wish they could save more, and those who do put money aside save £120 a month on average.
Helen Bierton, head of savings at Santander, said: “Setting aside money each month may sound daunting, especially when budgets are tight, but getting into the habit of saving small amounts regularly is hugely beneficial in the long-term.”
The study showcased different types of savings personalities, including the Sometime Squirreller, Superhero Savers, Save Another Dayers, Ravers Not Savers, Fence Sitters and All Gone Againers.
Most people fell into the Sometime Squirreller category, with 32 per cent of Brits saying they save for special events or purchases, although they do not have a regular saving strategy.The research found that cars and holidays are the most popular items that Sometime Squirrellers save for (34 per cent), whether that is to buy a new vehicle, make improvements to their current motor, or pay for extra costs such as insurance fees and road tax.
Those who find it difficult to save for a rainy day may want to look inside their cars, as the Daily Telegraph recently reported that £78 million in loose change can be found in all of Britain’s vehicles.
BlaBlaCar’s research showed each driver has £2.60 floating around his or her car, which can build up over time and collectively adds up to a huge amount.
Top 10 Best-Selling Cars In Februry
Can’t decide what car to invest in now you’ve sorted out refused car credit loans and are ready to get back on the road? Then you need to take a look at the top ten rundown of the best-selling vehicles in February, as compiled by the Society of Motor Manufacturers and Traders (SMMT).
The list comprises the Ford Fiesta, the Volkswagen Golf, the Nissan Qashqai, the Vauxhall Corsa, the Ford Focus, the Vauxhall Astra, the Audi A3, the Volkswagen Polo, the Kia Sportage and the Vauxhall Mokka.
For the year to date, the most popular cars are as follows: Ford Fiesta, Nissan Qashqai, Vauxhall Corsa, Ford Focus, Volkswagen Golf, Volkswagen Polo, Audi A3, Vauxhall Astra, Nissan Juke and Vauxhall Mokka.
February certainly seems to have performed well where car purchases are concerned, with 83,395 new vehicles registered over the month, making it the biggest February seen since 2004.
“February is typically one of the quietest months of the year, ahead of March’s plate change, but this positive performance is encouraging and puts the sector in a good position for the coming 12 months,” chief executive of the SMMT Mike Hawes said.
Those of you planning on buying a new or second-hand car who are keen to bag a bargain could find it’s more profitable to buy in February or August each year as dealers choose to get rid of older stock at discounted prices. If you want a new car that has the latest number plate on it, however, arrange to wait until either March or September with your dealer for the car to be registered and the keys handed over.
What Car Modifications Will Drive Your Insurance Up?
Whether you’ve been refused car credit in the past or not, there are a few things that all drivers need to know – and the first should perhaps be that if you modify your car, you could risk pushing your insurance premiums sky-high.
Research from MoneySuperMarket has found that fitting a turbo engine, for example, could push your premiums up by up to 132 per cent, while flared wings, bonnet bulges and wheel arches could also result in a significant premium hike.
Other modifications that could have a big impact include uprated brakes, roll bars and cages, the removal of seats, suspension upgrades, complete body kit and panel, and transmission or gearing changes.
Bear in mind, however, that not all modifications are bad with regards to insurance. If you choose to add a tow bar or parking sensors, your insurance premiums could well drop.
“Modifications can be a great way to personalise a car and in some instances will improve performance, but can quickly bump up the cost of your car insurance. Insurance is based on risk and modifying your car is a warning sign to insurers,” consumer affairs expert Kevin Pratt said.
When modifying your car, or buying one that has been modified, make sure you always consider safety first. Remember that too many modifications could actually affect how your car handles the road, so do your best not to go overboard and always seek professional advice if you’re not sure if you should go ahead with a change or not.
Insurer Warns Parents Over Premium ‘Tricks’ For Young Drivers
It’s no surprise that many parents are highly motivated to get their older children driving as soon as possible and that’s where good quality used cars and guaranteed car finance come in really handy if you’d not usually be in the position to buy a new car.
Once they’ve passed, they should be a lot more independent – meaning you’re no longer a taxi service for them. While you might worry about them a little more from time to time out on the roads, it’s a price well worth paying to give them a little more freedom after 18 years in the back of your car.
However, the Co-op Insurance has warned that parents are telling little lies in order to bring down the premium on insurance quotes for these young drivers – something which could affect their ability to claim later down the line.
These are the top tricks parents are pulling to drag down the cost of motor insurance:
Fronting – this is where a parent adds themselves as the main driver of the car (with all their no-claim bonus in toe) and adds the young driver as a secondary driver, despite the fact the young person will be driving it most of the time.
Providing inaccurate information – By making lower estimates on the mileage the car will be driven in a year, saying that the car will be kept overnight on off-road parking or a postcode with a lower crime/accident rate, or lowering the value of the car, the insurance premium should come tumbling down.
If you’ve opted for comprehensive coverage, these little white lies might just affect a claim if you’ve been in an accident – which would be pretty disastrous if you’ve used car finance for bad credit to secure the vehicle for your young driver.
Key Advice For New Car Owners
After you've arranged guaranteed car finance and are ready to buy your first car, you'll need to do a bit of research into what it's like being a car owner and what your new responsibilities will be. It's not just a matter of paying the car insurance and hitting the road - it's quite a bit more complicated than that.
First of all, you need to think about the kind of car you want to buy. Consider what you'll be using the car for as this will help inform your buying decisions. For example, there's no point in buying a second-hand car that has thousands of miles on the clock if you're going to be doing a lot of driving for work. You'll want something reliable that won't break down at the drop of a hat.
From there, consider the costs of car ownership. You'll have to factor in car insurance, car tax, annual MOT tests, fuel and tyres. When booking your MOT, remember that while many garages will charge less for this than the maximum amount set out by the Department for Transport, you'll want to pick a garage based on recommendation and reputation. Perhaps seek out some reviews online before you book.
Remember that if you're convicted for a driving offence or amass a few speeding tickets, your car insurance premiums may increase - and you may even find that some insurers refuse to cover you.
All cars that are over three years old have to be tested each year, so remember this as you drive around and about. It might be better to buy a younger car, even if it works out a bit more expensive. You can also save money by doing basic tests like making sure your car has enough oil.
It's not something you'll likely think about when you buy your new car, but tyres are a big expense for drivers. Check the pressure regularly as you can increase wear and tyre by driving on under-inflated tyres. Driving style can also have an impact so try and avoid hard braking wherever possible.
Don't ignore them! These come on to tell you that there's something wrong with the car so ignore them at your peril. It could be that your engine oil is low, or that your tyre pressure is incorrect. Never ignore a red warning light, although if you have an amber one don't worry about not finishing your journey. You can always have this checked after you've got to where you need to be.
Having a warranty is advisable if you're buying a used car so that if something does go wrong, you know you won't have to pay an arm and a leg to have it fixed. If your car is coming out of warranty, consider getting in touch with an aftermarket company to arrange for an extended warranty. There are a variety of options, so do your research well.
Find more car maintenance tips here.
2.1 Million Older Motorists Risk Driving Illegally
Around 2.1 million motorists over the age of 65 are risking driving illegally, as they do not understand the legal requirement to renew their driving licence every three years after they turn 70.
Having bad credit for car finance could be the least of their worries, as one in ten older drivers have had an accident in the last five years, which is why they are required to have regular driving tests.
Indeed, over half a million do not know if they are able to read a number plate 20 metres away, despite 99 per cent believing they are average, good or excellent at driving.
Gus Park, director of motor at Direct Line, said: “It’s crucial that older motorists are aware of their obligations to renew their licence as they risk driving illegally if it expires.”
Driving licences automatically run out at 70, after which motorists have to apply for a renewal every three years in advance of the expiry, so their insurance policies remain valid.
Older drivers should not be put off by this though, as there are four million motorists over the age of 70 in the UK with a full licence. What’s more, 230 drivers are even 100 years old and above.
Road users in the north-east are least likely to fail their driving tests when they go for a renewal, as the region was found to have the highest proportion of safe drivers in Britain, according to the insurance provider.
Direct Line DrivePlus previously reported drivers in the north-east were best at smooth acceleration and parking. Scottish motorists followed in second place, while the east of England and the north-west came third and fourth.
Motorists ‘Unwittingly’ Exceeding Car Emission Targets
Drivers who have had to sort out bad credit car finance may now be finding that they can’t predict just how much fuel their new vehicle is using, because UK cars are emitting ten million tonnes more CO2 than drivers have been led to believe.
This is according to new research from consumer motoring site Honest John, which less than two out of ten cars on UK roads actually managed to achieve the advertised CO2 and miles per gallon (MPG) figures in everyday driving.
If you’re in the market for a new car at the moment, having arranged a new car credit loan, it might be worth avoiding investing in a Lexus NX, Land Rover Discovery Sport or Mercedes-Benz SLK, all of which made up the top three worst performers in terms of achieving their MPG figures.
Dan Powell, managing editor of Honest John, said: “Car emissions made all the headlines for all the wrong reasons in 2015, but the Volkswagen scandal is only half the story. The combination of inaccurate fuel economy figures and CO2 ratings make it extremely difficult for motorists to understand how much fuel a car uses or how polluting it will be.”
It has just this month (February 14th) emerged that the bosses at Volkswagen were apparently aware that the company had been rigging emissions tests on its models 12 months before the scandal broke, according to reports in Bild on Sunday. An internal report was apparently given to group chief executive Martin Winterkorn in May 2014 warning that software had enabled cars to hide their emissions up to 35 times above the legal limt.
Older Motorists 'Happy To Retake Driving Tests'
If you've been refused car finance and haven't been driving for some time, you may need a while to build up your confidence when you're finally behind the wheel again. However, according to Saga Car Insurance, older motorists are even happy to repeat their driving test to show they're still capable.
Research from Saga showed there are many reasons why people take a break from driving. The most common issues were illness or injury (61 per cent), not owning a car (12 per cent) and not needing to drive (19 per cent).
The firm is offering free confidence courses to some customers to help them get over the fear of driving. This may be because they've moved to a new area, struggle to manoeuvre in certain road conditions or simply need assurance following a long lay-off.
But it seems older people remain confident in their skills despite their advanced years. The study found that 60 per cent of over-50s believe retesting drivers once they reach a certain age is a good idea to ensure they still have what it takes to be on the road.
Sue Green, head of car insurance at Saga, said driving helps older people stay active and remain engaged with the community.
"Older drivers are often safer than young drivers, but we recognise that it's important to refresh your skills, especially if you have had a break from driving," she explained.
Unsurprisingly, a greater proportion of younger people (83 per cent) believe more mature motorists should be encouraged to resit their driving tests once they reach a particular age. Seven in ten said they would be happy to do so themselves at 70 years old.
There are currently no laws preventing people from driving after a certain age, although the DVLA requires people aged over 70 to renew their licence every three years.
Driving In Changeable Weather: Top Tips
It would be lovely to think that the sun will always be shining when you set out in your vehicle for a road trip after you’ve been refused car credit, but in the UK this is hardly likely to be the case. And now we’re bracing ourselves for the onslaught of Storm Imogen, so it pays to be as careful as possible on the roads.
To help you all stay safe as you navigate the terrible weather conditions, we’ve come up with some top tips so you can get to your destination in one piece.
Driving in wind
Go slowly enough to cope with any sudden gusts. Your car’s braking and handling can be affected by high winds. Be careful in exposed areas as you could find yourself hit with a sudden gust and take care when overtaking high-sided vehicles. Hold the wheel firmly, give lorries, buses and motorbikes a wide berth and keep your eyes on other vehicles to see how they’re being affected by the weather. Keep extra distance between yourself and the car in front as well.
Driving in heavy rain
Dip your lights so other drivers can see you easily and don’t use your rear fog lights as these can be dazzling for other drivers and hide your brake lights. Reduce your speed and leave extra room between you and other drivers. Listen to the radio for news updates about flooding and forecasts, and never drive too fast through standing water as you could aquaplane.
Driving in fog
Before you set off, know how to work your front and rear fog lights. Keep your headlights dimmed at all times and don’t follow the car in front to help you navigate as you may find you don’t have enough stopping distance if you have to stop suddenly.
UK Named World Capital For Whiplash Claims
Be aware now you're finally got back on the road after having been refused car credit loans that the UK is in fact the worst place in the entire world for whiplash claims - with even more claims coming in than in the US.
This is according to LV= Motor Insurance, which found that 78 per cent of injury claims in the UK are related to whiplash, compared with 65 per cent in the US.
The company put this trend down to the behaviour of claims management companies in the UK, with the average driver who's had an accident in the last two years saying that they receive five texts or calls after a crash. What's more, 12 per cent said they were contacted before they had even had a chance to report the incident to their insurer, which suggests that their data is passed on within moments of a crash taking place.
"Government makes one change to the system and the fraudsters find a way around it – meaning further action is needed and fraud persists. Already we are noticing a rise in rehabilitation fraud, highlighting the need for swift implementation of the Autumn Statement reforms," general insurance claims director Martin Milliner said.
Figures from the Insurance Fraud Bureau released in November last year revealed a £60 million drop in 'crash for cash' fraud cases in the last three years after the police and insurers cracked down on the practice. Now, total scams are valued at £336 million, compared with the £392 million seen in 2012.
New Benefits Announced For Electric Cars
It’s unlikely, if you’re looking for bad finance car credit, that an electric car will be top of your shopping list, but this week Wired reported how the government is funneling £40 million into ‘perks’ to encourage the UK to adopt the electric vehicle.
London, Bristol, Nottingham and Milton Keynes will have access to the Go Ultra Low City Scheme fund to improve infrastructure for these environmentally minded cars.
The money will be used in part for construction of electric car service stations and streetlight charging ports.
Wired also revealed plans for electric car users to be able to drive in bus lanes, as well as special fee parking spaces for these vehicles. This is thought to include at least 20,000 parking spaces in Milton Keynes alone.
The goal of the Go Ultra Low City scheme is to encourage more drivers to adopt electric vehicles. Growth of registrations of electric vehicles is rising, but with only 28,000 registering in the entire first four years of the registration scheme.
However, according to NextGreenCar.com, this has increased dramatically of late, with rates of registration in 2015 at around 25,000, compared to just 3,500 in 2013. That brings the overall figure up to 48,000 currently registered electric cars as of January 2016.
It’s unclear how much perks such as bus lane access will encourage drivers to opt for electric cars, however, it could be looked at comparatively to HOV lanes (or car pool lanes) in the US and other countries, which offer a separate lane at peak time for those driving with more than one passenger in the car. The aim of this scheme is to reduce the number of cars on the road at peak times and also reduce air pollution.
15% 'Experience Memory Blanks' While On The Road
If you find you get home and you can't remember the last few minutes of your journey, don't panic - apparently, you're not the only one. Research from the AA has just revealed that 15 per cent of drivers have in fact had such memory blanks, with younger motorists more susceptible to this than older ones.
In all, 21 per cent of 18-24 year olds admitted that they very often or quite often experience not being able to recall the last moments of a journey. The same was true for 24 per cent of 25-34 year olds, 14 per cent of 55-64 year olds and nine per cent of the over-65s.
Director of AA Insurance Michael Lloyd said: "There may be many reasons for this, including being distracted by phone or passenger conversations, being engrossed in music or radio discussions or possibly just day dreaming."
He added that many people will go into autopilot when close to home after a long drive, so it's important to remind yourself to concentrate more when driving around familiar streets.
To aid concentration while behind the wheel of a car, limit the number of passengers you're willing to carry and don't eat or drink while on the road. Always save your multi-tasking until you're no longer driving - send those texts when you're stopped, tune the radio station before you set off and think about calling friends once you've reached your destination.
Make sure you drive safely and sensibly after arranging guaranteed car finance and you'll find that you like being behind the wheel a lot more - and you won't be putting any lives at risk.
£78 Million In Loose Change In UK Cars!
If you're feeling a little bit short after sorting out bad credit car finance, perhaps have a dig around your vehicle to see if there's any loose change lying around. You might be surprised by what you find.
New research from BlaBlaCar, reported by the Daily Telegraph, has found that there is at least £78 million in loose change in the nation's cars, with the average driver motoring around with £2.60 in change in their vehicle.
Other treasures being kept in the car include old mixtapes and CDs, gloves actually in the glovebox, mints, pens that have run out of ink, dog snacks, games, tights, toilet paper, Swiss army knives and spare pairs of pants.
Communications manager with the company Alice Ackermann was quoted by the news source as saying: "These figures go to show that we should pay more attention to our small change. Every penny counts when trying to save money on travel, so our gloveboxes are a great place to look for long-forgotten cash."
Instead of money and old CDs, it might be better to consider using your glovebox for something like a torch, proof of insurance, critical medical information for you and your family, emergency contact numbers, proof of insurance, the owner's manual and travel wipes or hand sanitiser. The latter is sure to come in very handy after you've been to the petrol station. If you get any petrol on your hands, simply wipe them clean afterwards.
What do you keep in your gloveboxes? Let us know.
Have You Committed A Parked Car Hit And Run?
Remember to drive carefully after you’ve arranged bad credit car finance! The last thing you want is to have to take your new car into the shop the week after you’ve bought it, or to have to make a claim on your insurance because you’ve accidentally bumped into someone.
Figures from Gocompare.com show that it’s not just cars on the road that you need to be worried about when driving around. Apparently, six per cent of people – or 1.7 million drivers – have in fact hit a parked car and then driven off without leaving any personal details for the other driver to find.
The worst culprits in this regard were found to be younger drivers and men, with 14 per cent of people aged between 25 and 34 confessing to doing this.
Matt Oliver, car insurance spokesman, said: “Accidents happen, especially in busy streets and car parks. But, if you damage someone else’s vehicle – whether it’s a small scratch or major dent – you should always stop and leave your details. While it may be tempting to just drive away, it’s illegal to do so, no matter how minor the damage.”
If you do hit a parked car, whatever you do don’t panic. Treat it like any accident and make sure you take a photo of any damage either to your car or theirs. Leave them a note with your name, address, phone number and an honest explanation of the accident. If you leave without giving your information, you could find you end up with a charge for criminal damage if you do get caught.
Car Finance Continues To Grow In Popularity
Knowing you can get finance on a quality used car, even if you’ve been refused car credit in the past, is a great feeling, so it’s no wonder that more and more people are opting for it.
Last year, in November, the volume of new customers who chose to get their car on finance grew by 18 per cent, with those people who bought new cars choosing to spend 22 per cent more than the previous year.
Of course, a lot of that comes down to the fact that drivers know now that they can get guaranteed car finance on a used car with top dealers such as Mark Andrews Used Cars, and there are some great reasons to choose car finance over buying a car outright.
If your old car is written off on third party insurance or simply comes to the end of its life, it can be a stretch to find the funds to replace it at short notice. Taking car finance out means smaller payments spread out over time, so you don’t have to worry about not having a car for work or family commitments, no matter your credit history.
Likewise it may give you access to a better model or make than you’d expect to be able to afford – an especially important point if you’re a bit of a car fan like us.
It’s no surprise that there was a peak at the end of last year, with previous reports providing research that said one in 20 in the UK bought a new car in the run up to Christmas.
Two-Thirds Of Drivers With Convictions 'Are Guilty Of Speeding'
Make sure you stick to the speed limit if you've just arranged guaranteed car finance and are about to get back on the road. New research has just revealed that two-thirds of convicted drivers are guilty of speeding!
Figures from MoneySuperMarket indicate that one in eight convictions, meanwhile, are down to careless, reckless and unfit driving, while eight per cent of people were caught out for insurance and licence offences. What's more, five per cent were guilty of either drink or drug-driving, while seven per cent were found guilty of situational driving offences, with incidents taking place at pedestrian crossings or traffic lights.
Insurance expert with the company Kevin Pratt said that although the number of people with convictions has dipped since last year, the rate of 23 per 1,000 motorists is still worrying.
"A conviction is a sure-fire way for motorists' premium prices to shoot up. Having a speeding conviction on your licence will typically add £55 to an annual car insurance policy," he went on to say.
To help you stick within the speed limit when you're on the road, make sure you check your speedometer regularly, drive at 20mph when going through a village or anywhere there may be children around, go no higher than third gear in a 30mph limit, keep your concentration levels up and always slow down when entering a village.
You can find more information on how to stick to the speed limit on the Royal Society for the Prevention of Accidents website.
'Only 60% Of Motorists' Know Drink Driving Limits
If you've recently secured car finance despite bad credit, you'll be eager to hit the roads as soon as possible. However, you may want to remind yourself of some of the UK regulations surrounding drink driving, after recent statistics showed many motorists aren't aware of the rules.
Data from The Co-operative Group showed 60 per cent of all motorists don't know the drink-drive limit, but those aged between 35 and 44 were the least clued up. Just 38 per cent of people in this demographic were aware that 35 micrograms of alcohol per 100 millilitres of breath was the maximum allowed.
The over-55s were better educated on drink driving - but not by much. Forty-two per cent of these respondents could recall the correct limit. According to the statistics, men are more knowledgeable than women in this area, with 47 per cent giving the right answer compared with 35 per cent respectively.
Nick Ansley, head of motor insurance at the Co-op, said it is crucial that drivers understand and follow regulations regarding alcohol limits before getting behind the wheel of their vehicle.
"Drink driving is a serious offence, which carries serious penalties for a reason - it can devastate lives. In addition, if you are caught drink driving, obtaining car insurance in future could be extremely difficult and expensive," he stated.
The research followed a similar survey from the company on December 2nd, which estimated that approximately 744,000 motorists in the UK would drive over the limit during the Christmas and new year period.
Christmas Peak Time For Buying New Cars
While the gift of guaranteed car finance has made lots of car owners’ dreams come true all the year round, it seems a lot of lucky people have had it made this Christmas by receiving a car as a present.
According to new research from Carfused.com, a staggering one in 20 people in the UK were bought a car this Christmas – that’s some serious wrapping for Santa! It seems that parents are the most likely source of a new car, with 40 per cent of those interviewed admitting the motor was a present from mum and dad.
For those who love cars, driving accessories were also a big hit under the tree, with one in five people finding something of that ilk under the tree, such as car mats, cleaning kits and furry dice.
This comes as a follow up to a previous study from Confused.com, which discovered how many parents were funding their child’s driving lessons and buying them their first car. The lucky 24 per cent of people were bought their first car by mum and dad, spending on average £2,900 while another 15 per cent also had their insurance paid for too at £112 per month on average.
For many, a new car while learning to drive is seen as an investment, as it means more practice can be done with a parent or other senior driver. Almost 50 per cent of people said they took lessons with a parent or family member, which is unsurprising when you discover that some Brits admitted they needed up to 51 lessons before passing their test – at a princely cost of £1,300 if all taken with an instructor.
70% Of Motorists Drink Drive If Their Parents Do
Young drivers, who may be looking for finance after being refused car credit, are more likely to drive under the influence of alcohol if their parents do.
This is according to research from Churchill Insurance, which revealed 70 per cent of motorists under the age of 25 admitted to drink-driving after seeing their folks doing the same. This drops to 14 per cent for those whose parents do not drink alcohol before getting in the driving seat.
Steve Barrett, head of car insurance at Churchill, said: “By drink-driving, parents are unofficially sanctioning this behavior and, as a result, young drivers are far more likely to put themselves and other road users at risk by driving whilst intoxicated.”
Despite this, 79 per cent of these people discourage their children from doing the same. Yet, motorists between 17 and 25 years old are five times more likely to drink-drive if their parents do, demonstrating just how much influence parents’ actions have on their offspring.
While drink-driving is extremely dangerous, it is also risky to have people under the influence as passengers. Confused.com revealed that five per cent of motorists believe driving with someone drunk in their car has nearly caused them to crash, the Western Daily Press reported.
Twenty-six per cent of designated drivers admit their drunk friends in the car are annoying, 12 per cent say they are stressful, ten per cent think they are distracting, and eight per cent have experienced passengers vomiting in their vehicle.
Learners Warned About Serving As Designated Drivers
If you're a learner driver and intend to take people home after a Christmas party or two, you have been reminded by the Co-op Insurance that you need to be properly supervised when at the wheel. If the person in the car with you is intoxicated, you could be fined up to £1,000 and get up to six points on your provisional licence.
This is because people who supervise learner drivers also have to adhere to road laws as if they were behind the wheel. As such, you cannot be over the legal drink-drive limit if you're in the car with a learner driver as their supervisor.
Head of motor insurance with the organisation Nick Ansley said learners are being put at risk of prosecution and their licences being revoked because of the festive season.
"The law is clear in that learner drivers have to be supervised when they take to the roads. Anyone who asks a learner driver to take them home after a festive get together where the other passengers are all under the influence of alcohol are putting these learners in an unfair situation," he went on to say.
This follows further research from the Co-op Insurance showing that 744,000 drivers admit that they'll be over the limit when driving this Christmas, with 31 per cent saying they don't think it will harm anyone.
Reasons for drink driving include taxis being too expensive, not wanting to walk home, quieter roads, having done it before, knowing others who do it and believing that alcohol doesn't affect their driving.
If you're looking for guaranteed car finance, get in touch with us here at Mark Andrews Used Cars to see how we can help.
18% Of Drinkers Admit They May Drive Over The Limit At Xmas
Description: Nearly one-third of drink drivers said no one would get hurt.
When you've received bad credit car finance, you'll likely be on your best driving behaviour for the foreseeable future. Sadly, the same can't be said for many motorists across the UK.
Co-op Insurance research this month showed that ten per cent of drivers will consume at least one alcoholic drink a day during the Christmas and new year period. Of these, a further 18 per cent said they would probably drink drive.
When averaged out across the whole nation, the shocking admissions mean as many as 744,000 people may drink drive this festive season. Not only this, one-fifth of those polled said they had already got behind the wheel while over the limit before.
"The effect of drink driving is far reaching and can have devastating consequences for the drivers themselves, their passengers, other road users and their communities," Nick Ansley, head of motor insurance at The Co-op, stated.
According to Drink Aware, 1,200 people were seriously injured in 2012 due to drink driving, while 280 individuals were killed. This is despite deaths and serious injuries resulting from exceeding the alcohol limit having dropped more than 75 per cent in the last 35 years.
In the Co-Op survey, excuses for drink driving ranged from 'no one will get hurt' (31 per cent) and 'taxis are too expensive' (28 per cent) to 'I don't want to walk home' (25 per cent) and 'alcohol doesn't affect me' (18 per cent). A further 10 per cent claimed booze didn't have an impact on their driving.
49% Of Learner Drivers ‘Have Lessons With Relatives’
Learning to drive can be difficult, but it seems as though many in the UK are making it somewhat harder for themselves by choosing to take a few lessons with parents or other relatives – with emotions running high as a result.
According to new research from Carfused.com, 15 per cent admitted that being taught by their parents was scary, while 15 per cent said they’d been yelled at repeatedly, ten per cent of parents had grabbed the wheel and five per cent had almost had an accident driving with their mum or dad.
“Learning to drive is seen as a rite of passage for many but it isn’t always a straight road. From those tentative first moments behind a wheel to the test itself, it’s a nerve-wracking experience for all. And for some, they decide to take it a new level by learning with a parent or a family member. Perhaps it’s no surprise that these drivers describe this experience as too stressful or scary,” spokeswoman for Carfused.com Kate Rose said.
If it’s been a while since you’ve been on the road because you’ve been refused car credit loans in the past, it might be wise to take a few refresher sessions so that you can boost your confidence and remind yourself about what it’s like to be behind the wheel of a car. Call us here at Mark Andrews Used Cars to find out how we can help you buy a new car if you’re struggling to arrange finance for yourself.
UK Reaffirms Pledge To Cut Vehicle Emissions By 2050
The UK has joined 13 other members of the Zero Emission Vehicle Alliance to sign a pledge to cut vehicle emissions and promote cleaner driving, and agreeing to make all passenger vehicle sales zero emission cars by the year 2050.
Andrew Jones, transport minister, said that the country already has the biggest market in the EU where ultra-low emission cars are concerned - and the fourth largest in the world.
"Electric cars are greener and cheaper to run and we are making them more affordable, spending more than £600 million between 2015 and 2020 to support the uptake and manufacturing of ultra-low emission vehicles here in the UK," he added.
Other international members to sign the agreement included Germany, Norway, Holland, California, Connecticut, Maryland, New York, Massachusetts, Oregon, Vermont, Rhode Island and Quebec.
Mr Jones went on to say that by being at the forefront of international efforts where this issue is concerned, the UK is playing an integral part in helping to reduce greenhouse gas emissions by over one billion tonnes annually around the world by 2050.
If you've been refused car credit in the past but want to get back on the road, get in touch with us here at Mark Andrews Used Cars. We have more than 350 cars in stock so you're sure to be able to find one that you like and that perfectly suits your needs. If you come to us for finance today, you'll also be able to take advantage of no payments until January next year.
Could This Be The End Of Whiplash Compensation Culture?
What are your biggest frustrations as a driver? Could it be being refused car credit? What about other drivers using their phones? Or maybe worst of all, rising insurance premiums? Well, while Mark Andrews Used Cars can help with the first problem, it’s thanks to the government that we could soon be offered some relief on the latter.
In the Autumn Statement revealed this week, the government pledged new rules to crack down on ‘fraudulent’ whiplash claims. Britain has been called the whiplash capital of Europe, with 2.7 claims on average lodged for every single accident, according to the BBC.
Not only does this cost the insurance industry £2 billion a year, it’s also twice as high as the average in other European countries. In fact, eight in every ten personal injury claims in the UK are for whiplash, according to the Association of British Insurers, some of which are fraudulent, as this affliction can have no detectable physical injuries.
According to the Local Gov website, the new rules will make it harder for those in car accidents to claim what George Osbourne described as “exaggerated or fraudulent whiplash claims”, while still ensuring those genuinely affected get the compensation they deserve. For those with genuine claims, the limit of the maximum compensation offered has risen from £1,000 to £5,000.
It’s also good news for drivers, as the changes should see every car insurance premium drop from between £40 to £50.
This wasn’t the only good news for motorists from the Autumn Statement. Mr Osbourne also put some money aside to tackle Britain’s pothole problem, with the aim of keeping drivers safe on the roads and their cars undamaged by unsuitable road surfaces.
Car Tax Disc Scrap Sees Govt Lose £80m
The government’s decision to scrap car tax discs in October 2014 has seen it lose as much as £80 million in revenue – despite the fact it thought it would save the taxpayer up to £10 million a year through efficiency gains.
Official figures also show that there were also more unlicensed vehicles in the UK in 2015 compared with 2013, rising from 0.6 per cent to 1.4 per cent. In all, approximately 560,000 cars were unlicensed.
This rise is being put down to big changes that were brought in last year regarding the vehicle licensing system, in particular the automatic refund of tax when car ownership changes.
Each car registered in the UK needs to be taxed if it is in use or kept on a public road. If it’s kept off road, it must either be taxed or have a statutory off road notification in force.
Commenting on the data, chief engineer with the RAC David Bizley said: “These are very worry and disappointing statistics indeed … We really cannot afford for this to increase again, for the sake of both road safety and the country’s finances. Hopefully, much of the increase in evasion is due to the system being new and these figures will reduce as motorists become more familiar with how it works.”
If you want to pay less tax, consider investing in a car that has a more efficient engine after you’ve sorted out your bad credit car finance. If you’d like further advice on the right kind of vehicle to get, give us a call here at Mark Andrews Used Cars.
Quarter Of British People ‘Feel Anxious’ Without Access To A Car
If your old car has given up the ghost, it’s understandable you’d be anxious to get back on the road again – which is one of the reasons we offer guaranteed car finance here at Mark Andrews Used Cars.
In fact, anxiety is one of the most common results from being without access to a car, according to Direct Line. In a survey, they found that when 25 per cent of people can’t drive their car, for whatever reason, they get anxiety – with 15 per cent saying they have had depression as a result and ten per cent both anger and panic.
It seems that we’ve struck up a near dependent relationship with our vehicles according to this research, with 39 per cent saying they could go longer without seeing their family than without a car, and 47 per cent saying they’d sacrifice their social life over their wheels.
So just why are cars so important to us? Well, 33 per cent of drivers said they’d lose income if they were without a car, and alongside costs such as using public transport to get the driver and their family out and about, Direct Line calculated that being without a car can cost up to an extra £135 per week.
If your car is written off in an accident, you may be able to claim on your insurance to have your car replaced, however, often it can simply be a case of a car reaching the end of its life and needing to be scrapped.
When this happens, and often unexpectedly, you need a new car and fast - be sure to make good use of our credit service, which is guaranteed even for those with bad credit in the past.
Could The Price of Petrol Drop Ahead of Christmas?
Drivers who have taken out bad credit car finance may breathe a sigh of relief when they hear the cost of petrol may drop ahead of the Christmas season.
This is according to RAC Fuel Watch, which revealed the price of Brent Crude oil fell to $40.40 (£26.43) a barrel last Monday (November 16th), which is the lowest it has been since February 2009.
RAC fuel spokesman Simon Williams stated that the events in Paris have made oil traders react, resulting in the drop.
However, this could mean drivers will benefit from lower prices on the petrol forecourt, with Mr Williams adding: “With oil prices already consistently low as a result of too much supply, the dip – even though it will be temporary – should be reflected in wholesale prices, making fuel cheaper for motorists.”
The RAC predicts the price of petrol and diesel will fall by 2p a litre over the next two weeks, taking it to 108.01p a litre for petrol and 110.24p for a litre of diesel on average.
This could be good news for motorists who have tight budgets this season, after the RAC recently reported that 59 per cent of drivers say they worry about repair costs when they take their vehicle to a garage. Nearly a quarter even said they get “very concerned” about extra charges.
Hidden Garage Costs 'Concerning' Drivers
Arranging guaranteed car finance can be stressful and you're sure to be mindful of how much you plan to spend on both buying and running a vehicle - so it's important that you know when and where you may have to spend even more of your hard-earned cash.
Figures from RAC Garage Compare have revealed that 59 per cent of drivers are worried about the hidden costs involved when taking their cars to the garage for a repair, service or MOT. In fact, 24 per cent of those who say they're worried would actually describe themselves as being 'very concerned' about unexpected charges.
And it certainly seems as though these worries are not unfounded - 12 per cent of people have found themselves having to foot a more expensive bill than they at first predicted.
If you want to keep costs down, consider comparing prices, find out what's included in the different types of service, check out online reviews of the garage you intend to go to and think about booking your car in online.
"Even though we now live in a society which is obsessed with comparing prices for almost everything we buy, this behaviour has not become commonplace when booking a car in for an MOT, service or repair. This is partly because it had previously been a case of having to phone around to get prices and partly because there wasn’t an online service simplifying the process," Pete Williams, spokesman, said.
Other ways of keeping costs down include discussing your insurance renewal quote with your provider. You may well be able to negotiate.
Motorists 'More Worried' About Mobiles Than Drink-Driving
Once you've been guaranteed car finance and are back in the driving seat, what do you think will pose the biggest risk to your safety behind the wheel?
According to a new survey, many motorists consider the growth of technology as one of the biggest threats on the road. Text messaging and social media were the primary culprits, with 93 and 92 per cent of drivers respectively saying these issues were a 'very serious' or 'somewhat serious' danger.
The Institute of Advanced Motorists study (IAM) said 77 per cent of people believe driver distraction is more of a problem than three years ago, while just 23 per cent said drink-driving is a bigger cause for concern.
Sarah Sillars, IAM chief executive officer, said the figures are crucial for showing the thought processes behind motorists' attitudes.
"Understanding the issues drivers see as important when it comes to road safety is essential for establishing how best to communicate with them and so in turn to achieve behaviour change," she explained.
For example, while 86 per cent of people believe speeding in residential areas is a very or somewhat serious threat, only 62 per cent said the same for motorways.
In fact, more than 60 per cent said driving ten miles per hour over the speed limit was fine on motorways, whereas only 27 per cent of individuals said exceeding residential limits by just five miles per hour was acceptable.
The research comes soon after another IAM study that showed driver error was a contributing factor in approximately 74 per cent of accidents.
RAC: Petrol Prices Down 4th Month In A Row
In good news for drivers who have been refused car credit in the past but are now back on the road, the price of petrol has dropped for the fourth month in a row, according to the RAC.
At the end of October, unleaded petrol was 107.82p, down from the 109.45p seen at the start of the month. Diesel, however, saw a smaller decrease, falling from 110.26p to 109.95p.
These drops are being fuelled by oil prices, which are currently below $50 a barrel in spite of a two per cent increase seen throughout October.
Simon Williams, spokesman for the RAC, said the Organisation of the Petroleum Exporting Countries has been keen to stop competitors gaining a share of the market by overproducing and keeping prices of oil low.
"A year ago motorists had probably become accustomed to only ever seeing prices go up so having four consecutive months of the petrol price coming down is a pleasant surprise. Fuel is without doubt the biggest cost of motoring and the forecourt price is a constant cause of concern for drivers which makes this relief at the pumps all the more welcome," he said.
If you want to keep up to date with changing fuel prices, make sure you keep an eye on the RAC's Fuel Watch service, which is published each month to showcase the latest diesel and unleaded petrol prices in the UK. In addition, predictions of what the organisation believes will happen to fuel prices in the future are also revealed.
The Correct Driving Posture
Once you've sorted out your finance package after being refused car credit loans in the past, you're ready to hit the road. But you need to make sure that your driving posture is correct so that you don't end up with any back pain.
First of all, make sure that your seat is raised up enough to ensure that you have optimum road vision but that your head isn't too close to the roof and your legs don't touch the steering wheel. Adjust your head rest so it meets the top of your head, then shift your seat forwards until you can press the pedals down fully with ease. Your knees should be slightly bent and not locked out.
Ensure that your seat cushion is positioned so that your thighs and posterior are well supported and make sure that the seat itself is not reclined too far back. Once you've made all these adjustments, look through your rear view mirror to see if you can do it easily and comfortably without having to twist your head.
If you do a lot of driving, it's vital that you sit in the correct position when at the wheel. It's also important that you make sure you take regular breaks while on the road so that you don't tire yourself out. The more tired you get, the worse your posture will be - and the more likely it is that you'll fall asleep at the wheel.
On long haul journeys, always pull over at service stations and have a nap if you feel like you're starting to nod off.
Can Using Satnavs Invalidate Your Car Insurance?
Drivers who have been refused car credit but are now back on the road should be aware that using technology like satnavs could invalidate their insurance policies – or even see them facing a criminal conviction if they’re not careful.
Figures from Gocompare.com Car Insurance indicate that 49 per cent of people use a satnav behind the wheel, with 14 per cent of motorists admitting that they’ve changed the destination or settings on a phone or satnav while driving.
This means that, if caught, they could face a fine of up to £1,000, a driving ban or three points on their licence. Such consequences could mean that your insurance premiums will climb. According to Gocompare.com, having a CU80 conviction and three points could see premiums rise by up to 24 per cent.
“When it comes to using a phone or any similar handheld device whilst driving a motor vehicle, the law is absolutely clear: it is illegal to do so and carries a fixed penalty notice and a fine. What many drivers may not know is that the rules also apply when stopped at traffic lights and queuing in traffic,” spokesman for the company Matt Oliver said.
Given previous research from MoneySuperMarket.com revealing that insurance premiums have climbed by eight per cent year on year, you should do all you can to keep the amount you pay to a minimum. If that means not using your phone or satnav while driving, then so be it. It’s always better to be safe than sorry, after all.
Petrol Prices Set To Plummet?
Drivers who have been refused car credit will be pleased to hear that they could be set to benefit from slashed petrol prices in the next month.
Cash-strapped parents who have found the summer holidays expensive could be in for a financial break as the school run could prove to be significantly cheaper, with petrol prices expected to drop to a pound a litre.
The prediction came from the RAC which has forecast that if the cost of oil per barrel drops to $40 then customers in the UK could be revisiting the £1 a litre price tag not seen for over six years, The Mirror reported.
A ‘pump war’ by supermarkets trying to get people in to their stores this coming bank holiday weekend as families return to school and work, and a drop in oil prices due to a slump in the Chinese economy, have been cited as reasons for the low prices that have been forecast.
The supermarkets started their price war last week when ASDA offered 2p a litre off unleaded to take it from 111.7p to 109.7p. Then Morissons and Tesco joined in the act with the same price cut. This means that prices have dropped every week for the past seven weeks, and further cuts are expected to come due to the turmoil in China.
Sainsburys’ is expected to slash its prices on Friday.
Chinese stockmarkets have been experiencing problems over the past week, with many Chinese government-backed organisations facing a rare drop in their share value.
Drivers ‘Judge’ Others On Car Make And Colour
With car finance at your fingertips, it’s time to take home your new car, but do you ever think about how your choice of vehicle affects how other road users treat you? According to a study by Continental Tyres, the reactions to other drivers on the road does change depending on such factors as the make and colour of the other car.
In a survey of 2,000 drivers, 45 per cent demonstrated that their prejudices towards certain types of vehicles and drivers affected how courteous they were to them on the road. This ranged from everything from how ‘flash’ a car looked, to how clean it was, or whether it had a bumper sticker – with 60 per cent saying the latter gets them agitated while behind the wheel, according to the Gloucestershire Echo.
Mark Griffiths, spokesman for Continental Tyres, said: “We might form opinions of people based on issues like appearance, though for that to lead to more aggressive driving is dangerous. We think road users must be courteous to others at all times.”
The company also compiled a list of the vehicles least likely to be let in at a junction – finding that performance cars, expensive-looking cars and 4x4s were all less likely to be allowed to join a road by other drivers.
However, if the thought of being stereotyped for your car choice doesn’t really bother you, then you’re in good company, as over half of those asked said they weren’t either, and only a small percentage said that it would affect their car choice.
We think that’s the best attitude to have, and opens up your choices to a whole world of quality used cards at Mark Andrews.
48% Think Rubbernecking ‘Is Natural’
Drivers who have been refused car credit loans may well have seen other motorists slowing down on the roads when an accident has occurred to see what has happened, a practice known as ‘rubbernecking’.
According to Confused.com, 48 per cent of Britons think that this apparent eagerness to have a look at the scene of an accident is natural – yet 15 per cent of people admit that they’ve seen other drivers taking photos as they pass by.
What’s important to bear in mind when you’re on the road and witness an accident is that if you do slow down and have a look you could end up causing even more problems. For example, you could create even more congestion, which may make it hard for emergency services to access the accident and help the victims. Or you could cause another accident.
Gemma Stanbury, head of motor at Confused.com, said: “It’s concerning to see that so many motorists are distracted by road traffic accidents and are slowing down to take a look – even if it’s just a cursory glance. As tempting as it is to take your eyes off the road even for a second, to look at an accident, we’re advising drivers to fight the urge.”
If you are unlucky enough to be the first person to happen across an accident, make sure that you turn your hazard lights on to let others behind you know that something has happened. Call 999 as soon as you can and if you do need to get out of the car to help those involved, make sure you wear a high vis jacket.
The Best Car Theory Test Apps
If you have been refused car finance then you will want to make sure that you devote as much time as possible to ensuring your teenagers pass their test first time.
One aspect of the test you may not have to take when you passed was the theory test.
The theory test checks a candidate’s ability to understand the highway code and identify hazards, and has to be passed before the practical driving test can be taken.
They are taken at test centres around the country on computers and the highway code part of the test is multiple choice. The questions and answers are no longer pre-released but you can take a practice test to get yourself ready for it.
There are some DVDs and games that can be used to practice for the hazard test, which requires you to click whenever you see a potential hazard forming in a pre-recorded video from the point of view of a driver driving along the road in many typical driving situations.
Here are some of the best apps for the job:
Driving test success
This costs just £1.99 and verifies your understanding by posing questions in a way that makes you answer them in slightly more depth than you will on the test.
For a little more money, you can download the hazard perception part of the theory test.
Official DVSA Theory Test Kit
Costing £4.99, this app contains a wealth of information that may prove to be useful even after you have passed your test. It contains practice tests much like the ones the person taking the test will eventually sit.
Avoid Ghost Broking Insurance Scams, Motorists Warned
Once you've been car finance and are looking to sort out your motor insurance, be aware that if you cut corners when looking for cover by not disclosing previous claims or unspent convictions you could end up driving illegally and without valid insurance.
Research from the Association of British Insurers (ABI) has revealed that more than 4,000 fraudulent insurance applications are uncovered every week, while ghost broking scams were also seen to be problematic.
These involve illegal advisers selling fake policies that mean you the motorist end up driving without any valid cover, leaving you open to prosecution and having your car seized and crushed. According to the ABI, ghost brokers can operate through university campuses, car parks, clubs and pubs, although they often have professional-looking websites as well.
Fraud and financial crime manager with the organisation Mark Allen said: "The consequences [of driving illegally] include getting a criminal record and a massive financial headache if found to be at fault for a crash. The risks are just not worth it."
If you want to save money on your car insurance, consider paying for the entire policy upfront rather than in monthly instalments. Alternatively, you can spread the cost by putting the premium onto a zero per cent purchase credit card, or add a few modifications to your car to make it safer.
Adding a second named responsible driver to your policy can also do a lot to bring your insurance premiums down, all actions that are surely better than trying to commit insurance fraud.
New Highway To Power Electric Cars On The Road
Drivers who have been refused car finance in the past but who have just arranged alternative finance may want to invest in an electric car, as increasing research and development is ongoing in this area that could change the face of British roads.
For example, Highways England is now carrying out tests on a new prototype motorway that could charge electric cars that have been fitted with wireless capabilities as they drive along the highway – so they won’t even have to stop in order to recharge.
Chief engineer with the company Mike Wilson said: “The off-road trials of wireless power technology will help to create a more sustainable road network for England and open up new opportunities for businesses that transport goods across the country."
If the trials prove successful, it is possible that this new technology could soon be installed on the motorways and other major roads in the UK.
So if you do want to buy an electric car, which vehicle should you opt for? The Tesla Model S would be a good choice and, depending on what model you go for, you could have a range of some 311 miles. Alternatively, the BMW i3 is very lightweight and quite roomy, with a range of between 80 and 125 miles.
Or you could go for the Nissan Leaf, the first mass-produced electric car to be put up for sale here in the UK. The Visia model is perhaps the most affordable way to enter into the electric car market so why not consider this as your next car purchase.
Do You Know Your Speed Limits?
Knowing what the speed limit of the road you're on is what we here at Mark Andrews Used Cars would consider to be essential knowledge - yet it would seem that many drivers, whether they've arranged car finance for bad credit or otherwise, are happily motoring on without knowing what the limit is.
According to new research from The Co-operative Insurance, 38 per cent of people were unable to say what the national speed limit on a single carriageway road is (60mph). In fact, 25 per cent think it's 50mph and ten per cent believe it to be 70mph or above.
The speed limit is actually 70mph on a dual carriageway, but just 36 per cent of people were able to identify it as such.
Head of telematics with the organisation Steve Kerrigan said: "The impact of not being aware of speed limits on the roads can’t be underestimated; speeds are set for a reason and driving without knowing speed can have harmful consequences to other road users and pedestrians, especially if you are travelling too fast."
If you're caught speeding, the minimum penalty is a £100 fine and three points on your licence. If you build up 12 or more points within three years, you could lose your licence altogether. For new drivers within two years of passing their test, driving licences can be revoked if six or more penalty points are accrued.
Reminding yourself of the different limits that apply to the various roads is invaluable if you want to stay on the road.
What Is Cassie’s Law?
Before you arrange your refused car finance, make sure that your eyesight has been checked recently and you know whether or not you need glasses when you’re at the wheel or you could have your licence revoked if you’re found to be a danger on the road.
Just last week (July 26th), it was revealed that hundreds of drivers have had their licences taken away after failing eye tests at the roadside, with figures showing that police forces across the country have applied 631 times to revoke driver’s licences after people failed to read number plates correctly.
Police were given new powers – known as Cassie’s law - after 16-year-old Cassie McCord was hit by a motorist who had failed an eyesight test by the police a few days before the accident but was allowed to continue driving because of a legal loophole.
In 2013, the campaign and petition – led by Cassie’s mother Jackie McCord – received some 45,000 signatures calling for a change to the way police deal with such situations.
The Police Federation’s roads policing lead for England and Wales Alan Jones said at the time: “It seems absolute nonsense a police officer who knows someone has defective eyesight has not been able to do anything.”
In 2011, the police were unable to immediately suspend a driver’s licence but now officers can now ask for licences to be revoked immediately, within 48 hours or by post if they feel that if someone does remain on the road, other drivers will be put at risk.
Diesel Drivers ‘Ripped Off’ At Petrol Stations
If you’ve struggled to secure poor credit car finance in the past, the last thing you need is to add to your motoring bills by paying over the odds for diesel fuel for your vehicle, but according to RAC’s Fuel Watch, that is exactly what is happening.
Drivers of diesel cars are getting an unfair deal on petrol prices, compared to those using unleaded fuels, as the wholesale price of diesel is actually currently lower. In June, the average wholesale price was between one and three pence less than unleaded petrol, yet prices on the forecourt saw diesel charged at three pence more per litre.
According to RAC fuel spokesman Simon Williams, although there are twice as many petrol cars on the roads than diesel, almost one billion litres more of diesel was sold than petrol in May, which could be down to the fact that the fuel is popular in commercial vehicles.
He said: “Not only are diesel drivers now being demonised due to the increasing concerns over harmful nitrogen dioxide and particulate emissions, they are consistently having to pay a premium for their fuel.”
While forecourts are free to pick their own price for fuel, it’s unclear why they have, as of yet, followed trends in wholesale price to reduce the cost at the pump. However, on the Fuel Watch website, the forecast for diesel prices is to fall by more than four pence per litre from where it currently stands at an average of 120p, although whether or not retailers choose to follow through is a completely different story.
Changes to the Driving Test will use Sat Navs
If you have been refused car finance then speak to Mark Andrews Used Cars about options for you to get the car you have been dreaming of since passing your driving test.
Many of us remember our driving test as though it was yesterday, even though the process has changed over the last couple of decades, from the introduction of the theory test in the 1990s, through to the independent driving segment of the driving test introduced in the last decade.
The independent driving segment involves the person sitting the driving test navigating themselves to an area using road signs, while the instructor evaluates their ability to deal with directions and signage.
The nature of this part of the test may be set to change, however, with the introduction of a Sat Nav GPS that can be used during the test. People taking the test would be able to use both the Sat Nav and road signs to reach the destination set for them by their instructor.
Some areas of the country are offering the new driving test as part of a pilot scheme before it rolls out across the country, and the first people to pass the new driving test are already on the road, The Southend Standard reported.
There are some reservations about the change however, with some people suggesting that the change could make people overly reliant on their Sat Nav.
It is hoped the change in focus on the driving test will help to prevent some of the fatalities that have occurred when new drivers have failed to use their Sat Nav appropriately.
Dashboard Distractions ‘Causing Accidents’
Regardless of whether they’ve financed their car purchases using bad credit car loans or through another avenue, drivers appear to be distracted by gadgets on their dashboard, be it CD players and warning lights or cruise control and Bluetooth connectivity.
According to new figures from Gocompare.com, 1.2 million motorists have been in a road traffic accident or had a near miss because in-car technology distracted them, with just 44 per cent of people thinking driver aids make it easier to be on the road.
The most common media features and driver aids seen in cars these days include CD players, seat belt warning lights, central locking, ABS, USB/auxiliary ports, cruise control, Bluetooth, parking sensors, DAB radio and light or rain sensors that turn headlights and wipers on.
“Even using hands-free or voice activated technology can affect your concentration because they require you to think about something other than the road ahead – such as confirming a road name or postcode to a sat-nav or memorising a phone number or diary date from a phone call,” car insurance spokesman with the company Matt Oliver said.
In order to remain distraction-free at the wheel, keep any loose belongings stored in the boot to prevent them from rolling around, eat before you go so you’re not hungry as you drive and make sure that all children and pets are properly secure before setting out on your journey. If either of them require your attention, try your best to pull off the road in order to help them.
Dangerous Bacteria Found In UK Cars!
Drivers who’ve arranged sub prime car finance might want to look at cleaning their vehicles more often than they perhaps are doing right now, as an investigation has just found that bacteria including E.coli and staphylococcus is living inside our cars.
Carried out by Carfused.com and the University of Nottingham, the study found bugs living in foot wells, steering wheels and car seats, so focusing on cleaning these parts of the vehicle might well be advisable.
Despite the fact that ten per cent of drivers admit that someone has been sick in the car and seven per cent that their pets have had a little accident at some point, 60 per cent say that they do still eat food in the car. What’s more, eight per cent admit that their car is dirty and 25 per cent say they only clean the vehicle once every three months.
“Brits should be taking better care of their cars. By doing so, they will help protect their precious cargo from any bacteria and illness but they will also go some way to helping keep the vehicles value when it comes to resale,” spokeswoman for Carfused.com Kate Rose said.
Car care is important if the vehicle is to stand the test of time. Use strong bristle brushes for the inside of the car and consider using a pressure washer on the outside to remove any tough grime in hard-to-reach areas. When cleaning the wheels, use soap and a sponge and use a specific alloy wheel cleaner to get rid of any brake dust.
RAC Predicting Diesel Price Cuts
Great news for motorists that have just sorted out poor credit car finance and invested in a new diesel car – the RAC is now suggesting that the average cost of this fuel will be under that of petrol for the first time in 15 years.
Figures from the organisation have revealed that the average price for diesel is now 118.98 per litre compared with 117.24p per litre for unleaded. With wholesale diesel prices dipping below petrol since May this year, the RAC now thinks that it’s highly possible that the average price for diesel will soon be below the cost of petrol – and that up to another 4p per litre could soon be cut from diesel prices in the next couple of weeks.
RAC representative Simon Williams said: “RAC Fuel Watch records show diesel was last cheaper than petrol 15 years ago on 17 July 2001, so these price cuts are great news for the nation’s 10.7 million diesel car drivers. Fifteen years ago when this happened last diesel was cheaper than petrol for two and a half months, but with a new supply of diesel being produced from Saudi Arabia there is real chance that we may see the diesel price staying below petrol for some considerable time.”
There are a number of factors that affect what people in the UK pay for fuel, including international exchange rates, supply and demand on a global scale and the world price of crude oil. Pump prices are based on the wholesale cost of diesel and petrol but there is usually a two-week delay between pump prices to reflect how wholesale prices change.
Worst Places For Road Rage Revealed
If you live in Lincoln, chances are you've come across an angry driver or two on the road - according to a new survey, the city is actually the worst in Britain for incidents of road rage.
Compiled by Privilege Insurance, the study found that there is an average of one road rage instance every 20 minutes in the UK - that's one every seven miles of road, the Daily Mirror reports.
In Lincoln, over six out of ten motorists lose their temper at the wheel on a regular basis, while the national average is less than five out of ten. Portsmouth, Peterborough, Hull and Exeter completed the top five of places where road rage is a bigger issue.
The worst offenders were found to be older people, with 69-year-old men the most likely to get into a fight with another driver, or drive aggressively following an incident. It was also seen that the average incident lasts four minutes, with 07:30 on Monday mornings as the time that most road rage cases are likely to happen.
"Road rage is the ugly face of motoring, and even at the milder end of the spectrum, can lead to accidents as drivers leave the scene focussed on the argument or perceived wrong doing, instead of their driving," head of Privilege Car Insurance Charlotte Fielding said.
If you find yourself involved in a road rage attack after you've sorted out your used car credit loan and are finally back on the road, the key is not to panic. Back away from any aggressive drivers and try to remain calm - otherwise you could end up involved in something far more serious than a bit of fist-waving and rude gesturing.
Top Tips For Driving Abroad
If you have been refused car finance but are planning on travelling abroad on holiday this year, make sure you brush up on local driving laws before you leave.
Remember if you are driving down to the continent that it is compulsory for drivers to carry a breathalyser and a warning triangle in their car at all times in France, so this is a must if you are driving through it.
In Spain, motorists who wear glasses are advised to carry a spare pair with them if their short sightedness is noted on their licence.
You also have to carry a warning triangle. People who are residents in Spain have to carry two. There used to be a requirement to carry spare lightbulbs and tools to fit them with, but this is no longer necessary.
Reflective jackets don’t have to be stored in your car, but are a legal requirement if you want to get out of your car on the hard shoulder.
In the Alps, you may need snow chains high up or at particular times of year. Italy requires you have them in your car until April 15th in Alpine regions, for example.
In Germany you also need to carry reflective jackets in your vehicles and a warning triangle. Headlamp beam deflectors are also a requirement.
Those visiting family in Ireland need to make sure they turn off the speed camera detector on their GPS system as they are illegal in Ireland. You also can not use your horn between 11.30pm and 7am.
Read more about driving in other countries on the RAC website.
Are Your Fines Enforceable?
If you have been refused car finance you will want to keep on budget by avoiding fines that cost you money.
There are a number of potential fines you can incur as a driver, be they speeding fines or parking tickets. If you do end up on the wrong side of the law, however, do make sure that the parking fines are enforceable before you pay them.
It could be the case that fines given after overstaying in private car parks, for example supermarket car parks, could be unenforceable in court.
This is as the total amount the fines came to was more than could be claimed had been lost by the land owners. This means that people given a parking ticket for these violations may not have to pay the fee.
The RAC foundation said it wanted to make parking charges reasonable in an article for the BBC.
A previous ban on clamping on private land had not ensured that motorists were not being taken advantage of unfairly by private land owners.
The ban came into force in 2012 under the Protection of Freedoms Act. This act allows motorists to appeal against parking charges, but only if the company issuing the fine is a member of the BPA's approved operator scheme.
This does not however, stop people from issuing bogus parking tickets on private land.
At the time the ban was criticised for not going far enough as clamping was not the only threat to motorists trying to avoid unfair or extortionate parking charges from private companies.
It does not, for example, clarify how private companies must advertise their parking charges.
Higher Fuel Prices For UK Drivers?
Pressure from the European Commission (EC) to introduce more eco-friendly petrol and replace regular unleaded in order to help the UK hit its renewable energy targets could see millions of Brits forced to fork out more to fill their cars up.
It's thought that the move to a fuel comprised of more biofuels could end up costing motorists around £80 more on petrol each year because the new fuel will be less efficient with fewer miles to the gallon, the Daily Telegraph reports.
The EC is now pushing for oil companies including Exxon, BP and Shell to introduce E10, so called because it's made up of ten per cent ethanol, a biofuel that has been created from corn.
Although the Conservative government is under pressure to make sure that the country meets EC demands and ensure that ten per cent of energy for transport comes from renewable sources in the next five years, transport secretary Patrick McLoughlin is against the measure.
It is thought that his department thinks that increased take-up of electric vehicles and the electrification of railways in Britain will be a more efficient way of meeting this target.
And president of the AA Edmund King said of E10: "Driving is not a luxury, it is not a choice. If you live in a rural area you have to get to work and to get to the shops. This would be a price increase by the back door."
If you've just arranged your used car finance and have bought yourself a new vehicle, you will be able to check that it will be compatible with E10, ready for when it is sold in the UK. Newer models will have this information in the handbook but for older motors, you'll have to enquire either online or by phone.
Pros Of A Used Car Dealer
If you have been refused car finance could you benefit from buying your car from a used car dealer?
Low cost – Prices are often very competitive at your local broker and they should be able to find something for you that is within budget.
Used car exchange – If you already have a car and need an upgrade due to an expanding family, or increasing travel needs then you may be interested in exchanging your car. As you are buying from a used car dealer you should be able to come to a better deal with them, as they will be selling on your car direct.
Perks – Some user car dealerships may be able to offer you a couple of days of free insurance on your car, so you can drive it away and have enough time to find the best deal for you.
Watch out for:
Test drive – It is very important that you are able to test drive a car before buying it. A local used car dealer should always offer you this and for this single reason alone it is preferable to buying online
Stolen cars – This is admittedly a problem anywhere, but you can check that the car you are planning on buying is not stolen by using the AA’s car history checks, which can be done online for free on the AA’s website .
Inconsistent documents – Make sure that the V5C document issue date and serial number for your new car matches those on the MOT information, for example.
Our Pick Of The Best Small Cars
Small cars are your best bet if you are looking for a frugal and effective ride, especially if you have been refused car finance.
Cheap to fuel and efficient to run, many of them may also qualify for low emissions tax. It is worth buying as new as possible to really ensure you get the most efficient running costs.
Small cars are also great for city driving and parking in crowded areas. Perfect for new drivers who need something simple to get used to just after they have passed the driving test.
The Mazda 2 brings you keyless entry and cruise control all for just over £11,000. With a top speed of 106mph it offers great performance too.
This has long been Britain’s most popular car and its excellent handling explains why. Users praise its large cabin space, which is impressive for a small car. Get yours for just over £10,000.
You may well have already driven one of these on holiday, as they are a staple of the rental industry. You may well have been very impressed with this little car that handles well and comes in under £10,000!
Loads of petrol-head gadgets can be yours for under £12,000. It is cheap to run and many users praise its quiet engine and sound insulation from the elements.
This great car comes in at around £10,000 with a five year warranty, making it a perfect choice for the discerning buyer on a budget.
Worst UK Drivers Revealed In New Poll
After you’ve arranged your car finance (like what we have on offer at Mark Andrews Used Cars), make sure you take care while on the roads! You don’t want to find yourself in next year’s rundown of the worst drivers in the UK, after all.
Compiled by Gocompare.com, this year’s survey has found that oil rig crew workers are the most dangerous when they’re behind the wheel, with 22.9 per cent having a minimum of one driving conviction – more than double the national average.
Sales, operations and managing directors took joint fourth place in the list, followed by asbestos removers, company directors, refrigeration engineers and area managers. Service engineers and site agents jointly claimed the tenth spot.
“Driving laws exist to help keep motorists, cyclists and pedestrians safe on the road. In addition to putting yourself and others at risk, racking up multiple driving convictions can have a serious impact on your ability to get insurance in the future and can increase insurance costs considerably,” spokesman for Gocompare.com Matt Oliver said.
Common motoring offences include speeding, drink-driving, driving without due care and attention, failure to identify the driver, failure to stop after an accident or failure to report an accident, and failure to provide a breath specimen.
If for whatever reason you are being prosecuted for an offence and aren’t sure what you should do, make sure that you seek independent legal advice. For minor offences, deal with the problem quickly as you could see an increase in the amount you have to pay or you could also lose your right to appeal.
Warning: Don’t Park On Private Land!
Once you’ve got your car finance for poor credit all arranged, you need to make sure you know the rules of the road so you don’t get caught out. Unfortunately, many people out there don’t seem to understand that parking on private land could lead to tickets and hefty penalties.
According to Citizens Advice, the number of drivers seeking advice online from the organisation for this has risen from 16,300 to 50,000, with local services also seeing a climb of 26 per cent in the number of cases relating to tickets given to motorists because they’ve parked on private land.
And figures from the DVLA have revealed that private parking operators asked for driver details more than three million times in 2014, up from 2.4 million in 2013, and the worry is that some private parking companies could give out highly unreasonable penalties.
“While drivers have to obey the rules on parking, firms need to make sure parking restrictions are clear and people are treated fairly where, for example, ticket machines aren’t working,” chief executive of Citizens Advice Gillian Guy said.
Should you park on private land like a supermarket car park, you’re entering into a contract with whoever owns the land. Clear signs should be displayed that detail the rules and regulations for making use of the facility and if you break any of these rules, then steps can be taken to enforce them.
You may be given a parking ticket if you breach the rules or park on private land without permission, although you can contact the parking operator and ask them to withdraw the ticket if you think it’s unfair.
Buying Cars At Auction
If you have been refused car credit in the past, have you considered looking for a car at auction?
The first thing you need to know about buying a car at auction is that that vehicle is bought as seen. This means that you can’t take it back if you discover problems you were not anticipating. There are a number of points you can take on board to make sure you get as high quality a car as possible at a bargain price.
You need to ensure you have as much information about the car as possible. Spend time on What Car and Autotrader to discover how much certain models go for in your area. Have an idea in mind for how much you want to spend and then stick to it.
Information you need to find out about the car includes the mileage to get an idea of how much it has been used and also whether or not the auction house can guarantee that it has not been stolen. The AA has a function that allows you to run a used car history check where you can put in the car’s registration plate details to check that the motor has not been stolen.
If you aren’t sure about buying car at auction you can always speak to Mark Andrews Used Car about investing in a car, even if you have been refused credit. We have a lot of options so why not get in touch to see how we can help?
Car Insurance 'Up 8%' Year On Year
Bad news for drivers who've just arranged refused credit car loans - insurance premiums are on the rise, with new research revealing that they're up eight per cent year on year.
According to MoneySuperMarket.com, the average premium is now £443, rising from the £411 seen in May last year, with £32 added to typical policies.
Insurance expert with the company Kevin Pratt advised people to make sure that they always shop around for the best value policy so they know they're making the most of their money. He went on to remind drivers that when policies are automatically renewed they can lose out as existing insurers may charge more than if a motorist goes elsewhere.
"Driving is an expensive activity, especially when you consider all the costs involved, including petrol, tax and the car itself," Mr Pratt said.
You could also find that you're paying more on your car insurance if you decide to pay what you owe in monthly instalments rather than a one-off payment. Further research from MoneySuperMarket.com has revealed that if you pay annually you will shell out on average £452. However, if you choose to pay monthly instalments, you would pay on average £514.
As Mr Pratt observed, driving is an expensive pursuit but there are ways in which you can bring the costs down if you're savvy about it. Consider adding safety features to your car, for example, or think about adding a second responsible driver to your policy, both of which can bring your premiums down.
New World Record For Driving On 1 Tank Of Fuel!
If you’re about to sort out car finance for poor credit (like that on offer here at Mark Andrews Used Cars), you’ll need to start thinking about the kind of car you want to get – and it looks like the Audi A6 ultra would be a good bet.
Racing driver Rebecca Jackson and motoring journalist Andrew Frankel have managed to drive the car some 1,158.9 miles nearly nonstop for 28 hours or so on just one tank of gas, going from the Netherlands to Hungary and making their way through 14 countries including the likes of Belgium, Luxembourg, France and Switzerland.
Averaging 75.9 miles to the gallon, the pair managed to set a new Guinness World Record, proving that the A6 is one of the most efficient Audis ever into the bargain.
“The car was not modified in any way as it comes with fuel-efficient, low rolling resistance tyres as standard. This really shows how far it’s possible to drive in a modern vehicle and that the price of fuel – albeit cheaper on the continent – should not put anyone off exploring Europe by car,” Simon Williams, RAC #RecordRoadTrip coordinator, said.
If you’re still not sure the A6 ultra is the vehicle for you, check out this review in Auto Express. They gave the vehicle five out of a possible five stars, pleased with its smart wheel designs and new lights, as well as its supremely efficient 2.0-litre TDI engine.
Those of you about to buy a new car and mulling over your options might want to pay closer attention to this offering from Audi.
3 Of The Best Low Tax Cars
If you’ve been refused car credit loans then you will be interested to hear about some of the cars with the lowest car tax, which really helps make them cheaper to run.
Car tax is paid annually and based on the emissions profile of the car, with vehicles with the lowest levels of environment-damaging emissions having the lowest car tax.
There are some available that do not require any car tax to be paid, including electric motors. There are, however, a number of diesel and petrol engines that are also eligible for zero tax.
One of the cars that meets the standards for zero car tax is the Volkswagen Golf 1.6 TDI Bluemotion which promises only 99g/km emissions. Watch out for the bluemotion sticker on other Volkswagen cars, as it is their own badge of honour for their cleanest, greenest lowest emission cars.
It doesn’t just have to be boring family cars that get an eco label. Granted, this BMW isn’t car tax free, but it is very close. With just £30 a year tax owed for this car, as its emissions come in at just 112g/km, this is a great choice for a slick, investment vehicle with low running costs.
Another zero tax car that is great for people on a low budget includes the Hyundai I30. This has a five-year warranty if you buy from new, and the excellent handling makes it a cheap car to insure, bringing the cost of running this car down even further.
Drivers ‘Keen’ For Police To Tackle Phone Use In Cars
There aren’t many things more frustrating than being refused car credit; however, a new survey by the Institute of Advanced Motorists (IAM) has unveiled the top frustrations that drivers want to see more police officers tackling while on the roads.
The offences that ranked highly with respondents to the poll were tailgating drivers at 42 per cent, aggression and road rage at 50 per cent, as well as drink and drug driving at 65 per cent, yet the most unpopular grievance with the majority of motorists was seeing other drivers using a mobile phone behind the wheel.
Of the 2,703 drivers surveyed in April this year, 72 per cent said they’d like to see more police patrols enforcing motoring laws when it comes to using smart phones in the car.
In February of this year, the Department for Transport unveiled research that revealed the number of people observed using mobile devices while driving remained largely unchanged since previous data from 2009,yet the mode in which they were being used had.
In 2014, over 70 per cent of observed incidents saw the motorist with the mobile device in their hand as opposed to held up to their ear.
While data on the age of those using handheld phones in cars from the government survey is to be treated with caution down to the methodology of the research, figures suggest that much like drink and drug driving, it’s more common among drivers in their 20s.
Motorists aged between 20-25 were revealed in the same IAM survey to be the most likely drink drivers.
£200 Fine For Driving While On Mobile Phones?
Motorists caught driving while using their mobile phones could be hit with a £200 on-the-spot fine as part of a possible government crackdown on dangerous driving, so bear this in mind when sorting out your sub prime car finance.
According to the Daily Mirror, people who are either talking or texting while driving could be hit with such a penalty, motivated by the fact that raising the fine from £60 to £100 back in 2013 has seemingly failed to limit the number of offenders.
Research has revealed that distracted motorists (whether that’s through being on the phone, by others in the car or by eating) are between two and three times more likely to have an accident.
“The penalty was raised from £60 to £100 but it has turned out that is not enough. It has not proved a deterrent,” a government representative was quoted by the news source as saying.
Currently, the penalty for being caught behind the wheel while on the phone is a fine of £100 and three points on your licence. However, your case could go to court and you may end up being disqualified from driving and facing a fine of £1,000. New drivers can lose their licenses if they have six or more penalty points within the first two years of passing their test.
You can use two-way radios, sat navs and hands-free phones while driving, but if police believe that you are distracted and no longer in control of the car then you could be pulled over and given a penalty all the same.
Monthly Instalments 'Add £62 to Car Insurance Policies'
If you pay your car insurance in monthly instalments after you've sorted out your bad credit car finance, you could find you end up paying over the odds if the results from a new study are to be believed.
New research from MoneySuperMarket.com has found that the average premium that people who pay annually face is £452, compared with the £514 for those who pay monthly - a difference of £62, or 11 per cent.
Insurance expert with the organisation Kevin Pratt noted that driving can be expensive so it's unsurprising that people are keen to spread the costs by paying for insurance monthly.
He suggested that motorists could look into other ways to spread the cost rather than paying monthly, since this can set them back them more in the long run. For example, you could put the premium cost onto a zero per cent purchase credit card.
"A handful of insurers refrain from charging more for monthly payments, but more often than not an additional cost will be applied if you opt for paying monthly rather than annually," Mr Pratt remarked.
You could also reduce the amount you pay if you add a responsible second driver to your policy, so consider who you know who has a good driving record. Being careful about what profession you put down could also save you some money - the riskier your job, the higher your insurance premium will be, so think about tweaking what you do for a living. However, remember that you shouldn't lie.
Roadside Breath Tests ‘Increase In June’
Those of you who’ve just successfully sorted out refused credit car loans and who are about to hit the road this month should be aware that June is apparently the busiest month for roadside breath tests, with the number carried out at this time nearly twice the annual average.
This is according to Direct Line, which has found that although December is the most popular month for police to take such action (unsurprising since it’s the holidays), there is also a peak in June as drink-drivers are targeted during the summer as well.
However, motorists in some areas are more likely to be tested than others. If you live in North Wales, Lancashire and Dyfed-Powy, for example, you’re more likely to get pulled over, while drivers in Leicestershire and Avon and Somerset are the least likely to be tested at the roadside.
“From barbecues to all-day sporting fixtures, daytime drinking is a part of the British summer.But you can have a drink and have some fun without getting behind the wheel afterwards. Some summer drinks are easy to consume but difficult to measure,” director of motor at the company Gus Park remarked.
You can help yourself become a smarter drinker by using gadgets like Alcohoot that plug into your phone and provide you with a breathalyser so you can check your own levels yourself. You just plug it into the headphone jack and start monitoring how much you’ve drunk and how your body reacts to it, allowing you to make better, healthier decisions.
Modifying Your Car? Tell Your Insurer
If you’ve been refused car credit in the past but have just successfully sorted your finance package out and have bought yourself a new vehicle, you might be thinking of making a few modifications to it. If this is the case, make sure you inform your insurer as some changes can affect your policy.
According to Gocompare.com Car Insurance, one company recently threatened to void someone’s policy when she tried to make a claim because she had not informed them that she had covered the vehicle in religious stickers.
Spokesman for Gocompare.com Matt Oliver reminded drivers that insurance providers consider a lot of factors when calculating insurance costs – add-ons or modifications like decals or specialist paintwork will have an effect should your car be damaged or stolen.
By law, you have to tell the DVLA about changes relating to engine number, colour, monocoque body shell, model description and chassis, but you don’t legally have to declare changes to suspension, gearbox, trims, tow bars and spoilers. However, insurers will want to know about these latter alterations.
“Different insurers have different views on what constitutes a modification – so it’s always wise to tell your insurer of changes or additions you make to your vehicle at the time of making them,” Mr Oliver said.
This comes after MoneySuperMarket revealed that making modifications to your car could actually drive your insurance premiums up. If you want to change your engine, for example, your bill could climb by almost 23 per cent so think long and hard about any alterations you may wish to make.
Do You Drive Barefoot?
The nation’s footwear habits behind the wheel have been revealed in a new survey, with 18 per cent admitting that they drive without any shoes on whatsoever and 12 per cent saying they’ve stalled in the last 12 months because their shoes made it hard to control the pedals.
According to the uSwitch study, 82 per cent of motorists believe that their safety while driving may be affected by their choice of shoe, yet only 16 per cent say they have a pair of driving shoes in their car.
What you might want to note if you’ve just taken out a refused credit car loan is that, while it’s not illegal to drive barefoot or in inappropriate shoes, it could invalidate your car insurance if you have an accident and your insurer perceives it as dangerous driving.
The RAC recommends that your soles be no thicker than 10mm and should not be too soft, with enough grip to stop feet sliding off the pedals. Shoes should not be too heavy nor limit movement of the ankle, but be narrow enough so you don’t accidentally press two pedals at once.
“It is incredibly worrying that some people are putting themselves and other road users at risk by attempting to drive in shoes they struggle to walk in – whether they are heels, Uggs, spikes or even slippers. You wouldn’t drive without glasses if you need them or wear a hat that covers your eyes, so you shouldn’t wear shoes that impair your driving,” insurance expert Kasey Cassells remarked.
Luckily, there are lots of places that specifically sell driving shoes so you can get yourself a pair and never have to worry again!
Self-Piloted Cars To Halve Insurance Costs In 5 Years?
Driverless cars could really help motorists who’ve been refused car credit cut back on costs dramatically, with new figures suggesting that these self-piloted vehicles could actually drive insurance costs down by half in the next five years.
Data collected by Telegraph Money indicates that people could save an average of £265 on their insurance premiums by 2020 because these motors are expected to eradicate bad driving, with costs having been kept high in the past because of avoidable accidents.
The first of these driverless cars will be seen on roads in the UK by as early as 2018, according to manufacturers Mercedes, Tesla and Volvo, all of which are currently developing vehicles that can both drive and park without people’s feet or hands having to touch the controls.
"Insurance premiums could halve once vehicles which communicate with each other and an 'autopilot mode' when driving on the motorway are developed – this is likely to happen by approximately 2020,” head of auto at KPMG John Leech was quoted as saying.
A team in Germany is currently working on an autonomous vehicle that will be able to find itself a parking space in a multi-storey car park, due to be tested in October when it tries to park on the sixth floor of a car park in Stuttgart.
Thomas Schamm of FZI which is working on the project told Wired that the technology could be made available in the next three or four years and will be one of the first developments to come with regards to automated driving.
Hybrid Car Batteries ‘Attracting Thieves’
If you’ve recently taken out car finance for poor credit and have used the money to invest in a Toyota Prius, then you need to do all you can to protect your new investment, as these vehicles are apparently being targeted in the US by thieves who take out the batteries to sell online.
While this may be overseas, it can’t hurt to be careful in the UK either. According to a report by ABC News, the trend is of increasing concern in San Francisco, with car dealerships and garages having to replace batteries that have been taken.
Removing the batteries is no easy task either and there’s a real risk of electrocution, since the 200 volts on the battery could cause a serious injury – so the thieves must have some sort of specialist electrical knowledge in order to do the job, which apparently can be done within 20 minutes.
Dot Choi of Pro Speed Auto Body Garage was quoted by the news source as saying: “It’s a high voltage wire and it’s really dangerous if you don’t know what you’re doing.”
In order to help prevent people from making off with your battery, consider replacing the bolts that fasten it down with some tamper-proof ones. This will make it much harder for people to remove it, so if you’re worried about your car or live in an area with a high crime rate taking such steps could be a good idea, as could installing CCTV or similar outside your home so you can catch any criminals in the act.
Reduced Drink-Drive Limit ‘Supported By British Public’
Half of all adults in the UK would support a tiered system for drink-driving, with lower limits for novices and young motorists, new research has revealed.
Conducted by Direct Line Car Insurance, the study found that while 50 per cent would be in favour of such a move, some 36 per cent believe that a zero tolerance approach to drink-driving should apply to all those on the road, irrespective of experience or age.
Currently, the drink-drive limit in England and Wales is 80mg of alcohol per 100ml of blood, while in Scotland it is 50mg. Limits are applied universally, with the survey also revealing that 14 per cent of those asked think the drink-drive limits in the country are appropriate.
A tiered system has been introduced in 29 per cent of countries around the world with reduced limits for inexperienced or young drivers, including the Netherlands, Spain, Italy and Germany.
“England, Wales and Northern Ireland boast one of the most permissive driver blood alcohol concentration limits in Europe, but there is widespread popular support for lowering this, especially for young and novice motorists,” director of motor at Direct Line Gus Park remarked.
Those of you who haven’t been on the road for a while but have just succeeded in sorting out a car loan for poor credit should familiarise themselves with laws such as this, as well as the Highway Code. You’ll find information relating to breakdowns and incidents, general rules, first aid on the road, safety codes, speed limits and much more.
Report: Women Are Better Drivers Than Men
Do you believe that gender has a part to play in whether people are better or worse drivers? Well, once you’ve got your car finance for poor credit sorted out, you can start to test out the theory and decide which side you’re on.
According to a new report from Privilege Insurance, women are actually better drivers than men, although they do seem to lack a bit of confidence in their own abilities, with just 28 per cent saying that they thought they were indeed superior motorists to their male counterparts.
The study found that more men approached hazards too fast, used mobile phones while driving and cut dangerously into traffic, so bear this in mind the next time you get behind the wheel.
Head of car insurance at Privilege Charlotte Fielding said: “The research has shown that there is a really big discrepancy between how men think they drive and how they actually drive."
If you aren’t sure whether you’re a good driver or not, or perhaps it’s been a while since you took to the open road, it might be advisable to take a refresher course in driving before you get your new car.
Practice makes perfect as they say, so book yourself a few extra lessons to remind yourself how to do it, then start offering your friends lots of lifts here, there and everywhere. Your confidence will increase in next to no time and you’ll start to wonder what you were worried about in the first place.
Top 10 Car Insurers Revealed
Once you’ve sorted out your car loan for poor credit (or if you’re yet to find the right finance package, give us a call here at Mark Andrews Used Cars), you’ll have to sort out your car insurance as soon as possible – and luckily, the top ten providers have just been revealed by insurance experts Consumer Intelligence.
The rundown looks like this: RIAS, Saga, M&S, More Than, Co-Op, Tesco, LV=, Aviva, Esure and NFU Mutual. RIAS, an over-50s insurer, took the top spot for claims, with Saga coming a close second – all those in the top ten scored 8.5 or above in terms of customer satisfaction.
Chief executive of Consumer Intelligence Ian Hughes observed that making a claim can often be difficult and emotional for drivers, and can have a real impact in terms of brand loyalty so insurers must do all they can to understand their customers’ experiences and improve levels of customer satisfaction.
“Companies that fixate on customer satisfaction are the ones that survive and grow with the benefits flowing through to lower operating costs, higher employee engagement and profitability,” he went on to observe.
You can cut your car insurance costs by checking both comprehensive and third party cover to ensure you’re getting the best deal – don’t assume that third party will always be the cheapest. In addition, adding a second driver to your policy can help to reduce your premiums, especially if they have a good driving record.
Tweaking your job description can also help – having a risky job could push your premiums up.
What To Do If You’ve Been Refused Car Credit
Would-be drivers who’ve been refused car credit may well think they have no other options available to them to help them buy a new car, but this simply isn’t the case – you’ll be pleased to hear that there are other avenues for those who’ve been refused a loan on the basis of bad credit.
If you have been turned down for a loan by traditional high street lenders, whatever you do don’t keep applying for more credit. Any additional credit applications you make will show up on your credit file, regardless of whether or not you’re successful in your application. Numerous applications over a short period will make lenders think you’re desperate to source some cash from somewhere and this will in turn have a negative impact on your credit rating, which could make it harder to borrow in the future.
You’ll be relieved to hear that there are alternatives for borrowing out there if you do have a poor credit rating. For example, you could come to a company like Mark Andrews Used Cars if you’re keen to buy a new set of wheels – we offer tailor-made finance packages for people who may find it hard to get a loan from one of the high street lenders that can be adjusted to suit all individual budgets.
We have more than 350 cars in stock at the moment, so you’re sure to find one that you like the look of and which suits your budget. Why not take a look and then get in touch to see how we can help you get back on the road today?
UK £5000 Electric Car Grant ‘Runs Out’
As the UK electric car grant runs out, Mark Andrews Used Cars can offer you car finance if you missed out on this scheme, or if you don’t want to drive an electric car.
AutoExpress has reported this week that the UK’s £5,000 electric car grant will run out in the very near future but as yet there is no replacement scheme under discussion, news sure to be disappointing for those looking to buy an electric car.
Since 2010, when the initiative was first launched, more than 25,000 of these grants have been handed out to people since 2010. However, in the last few months, people have been claiming the grants more frequently. Government figures show that 2,000 people took up the grant in January alone.
The Mitsubishi Outlander PHEV has been especially successful, selling an impressive 10,000 units in ten months. This, alongside an expanding electric vehicle market, means that the limit of 50,000 cars is likely to be reached in no time at all.
The government hasn’t announced whether it’ll continue to back the scheme after the grants run out. No decision was expected until after the General Election, the results of which were released on May 7th – a full review of these grants and how they work is now expected to take place.
However, if you want a more traditional vehicle we might be able to help. With credit on all our vehicles, finding your dream car has become that much more affordable. To enquire about our makes and models as well as finance options why not give us a call today.
Hydrogen Fuel Cell Car Now On Sale!
Once you've been car finance, you can start to think about what sort of vehicle you want to invest in - and we think you might be tempted by the new hydrogen fuel cell crossover SUV from Hyundai, which has just gone on sale.
It won't come cheap, however, so make sure you've got the right car finance package in place before you even take a look - the vehicle is priced from £53,105, but it comes with a 133bhp electric motor and can reach a top speed of 100mph. Its hydrogen is stored in two tanks and it's got a range of up to 369 miles. And according to Hyundai, the ix35 can also start reliably in temperatures as low as -25 degrees C.
It's the first mass-produced fuel cell electric car in the world so you'll have a piece of history in your driveway if you decide this is the way to go.
The use of fuel cell vehicles could dramatically reduce people's reliance on foreign oil, while also helping to drive down CO2 emissions and giving the environment a serious boost. Rather than running on petrol, they run on hydrogen gas so no tailpipe emissions are produced. Drivers keen to stay on the road but be green at the same time are sure to find this type of motor to their liking!
What do you think of this new technology? Would you invest in a hydrogen fuel cell vehicle if you had the car finance in place?
eCall System To Be Fitted In All New Cars From 2018
All new cars look set to have an EU-wide emergency alert system known as eCall fitted as standard in vehicles from the end of March 208, which will alert rescue services automatically when an accident takes place… news sure to be of interest to drivers who have been refused car finance and are yet to invest in their next set of wheels.
It’s hoped the move will enable ambulances to get to accidents much quicker, the BBC reports, with eCall relaying information such as type of vehicle, fuel used, time of accident and location.
But, of course, the installation of the eCall device won’t be free and it’ll be motorists left to foot the bill – it’s thought that around £72 will be added to the price of a new car because of this new safety feature.
The move has attracted some criticism as well, with Greens MEP Jan Philipp Albrecht telling the news source that being constantly connected means that it will also be much easier for drivers to be tracked, irrespective of accidents taking place.
“We reduced the data being processed to a very minimum, but nonetheless it is technically possible for companies, or for an authority, to track your position and to even surveil you. So I don't think this should be obliged to everybody. Everybody should have the chance to opt out,” he remarked.
According to the European Commission, eCall is able to cut emergency response times down from 50 per cent in the countryside and by 60 per cent in more urban areas, meaning that hundreds of lives will be saved in the EU every year.
Car Mods 'Increase Insurance Premiums'
Those of you who’ve been refused car credit loans in the past but have just succeeded in getting the finance you need to invest in a new vehicle should take note of the fact that modifying your new set of wheels could actually push your insurance premiums up.
According to MoneySuperMarket, adding aesthetic and performance modifications to a car can actually result in you paying more – even double in some cases. For example, if a motorist alters their engine, insurance bills can climb by nearly 23 per cent, while adding bonnet bulges or changing the wheel arches can add 42 per cent on average.
However, you can actually make modifications that will reduce your premiums – safety features like parking sensors can reduce insurance costs by 11 per cent, while adding a secure tow bar will bring them down by six per cent.
“If you’re planning to modify your car, ring your insurer before you get the work done and factor any premium increase into the cost of the work. Don’t wait until your policy comes up for renewal. If something were to happen in the interim, the consequences could be extremely serious, especially if you are in an accident in which others are injured or killed where you are found liable to pay damages,” insurance expert Kevin Pratt remarked.
Improving your car security could also reduce your premiums – consider equipment like an immobiliser or a steering wheel lock if you’re keen to pay as little as possible when you get your new car back home.
68% Of New Car Buyers ‘Paying Zero First Year Tax’
Use your car finance to invest in a new car that has a more efficient engine and you could find yourself not paying any tax at all in the first year of ownership.
A new report from the Society of Motor Manufacturers and Traders (SMMT) has revealed that 68.6 per cent of car buyers in the UK are now paying zero first year tax, with the average driver in 2014 posting CO2 emissions that were 4.2 per cent below 2015’s EU-wide target of 130g/km.
The New Car CO2 study indicated that carbon tailpipe emissions were down for the 17th year in a row, thanks to more efficient petrol and diesel engines, and growth in the alternatively fuelled vehicles market.
Chief executive of the SMMT Mike Hawes welcomed the news, saying that the automotive sector in the UK should be proud of what it has achieved.
“However, there is a long way to go and meeting ambitious targets in 2020 will require ongoing support and investment. Striking the delicate balance between influencing buying behaviour, encouraging investment and maintaining critical tax income will be a big challenge,” he went on to add.
Certain types of vehicle are exempt from tax, such as electric cars – as long as the electricity comes from an external source or an electric battery that isn’t connected to any power source when the car is in motion. However, you will need to apply for vehicle tax even if you don’t need to pay it – you can now do this online using your 16 digit reference number on your vehicle tax renewal letter.
Electric Car Grants - The Whys & Wherefores
If you have been refused car credit loans then you will want to invest in a car that is cheap to run.
Electric cars fit the bill and are becoming easier to run as charging points become more readily available at petrol stations.
They are also cheaper than ever before as the government provides automatic grants of 25 per cent, up to a maximum of £5,000, towards the cost of an eligible low-carbon car as part of the Plug-In Car Grant.
This grant is passed on by the dealer when they sell you the car with this discount so there is no need to fill out forms and wait for your grant to be approved: you get it at the point of buying the car. There are currently more than 20 eligible models listed on the Department for Transport site.
You can also receive a grant to cover the cost of having a charging point installed at your home, though these are also available at some garages.
If you need to charge your car while on the move you can use some applications, for example, Zap-map.com tells you where the charging points are and also tells you the kW output of that specific charging point and the type of connecter required to charge at that location. It will also navigate you to the charging point you pick.
There are also free smartphone apps, including the Charge Your Car app, that give you access to electric car charge points using your Apple or Android devices.
Checklist For Buying a Second-Hand Car
If you’re going to take out car finance for bad credit, you need to make sure that the vehicle you’re purchasing is everything that the seller says that it is. There are lots unreliable cars and people looking to sell them out there so you need to have your wits about you when test driving and checking over the vehicle. Here are our top five points to consider before purchasing a new vehicle.
MOT and Service HistoryIt is important to know the MOT and service history of the car that you are looking to purchase in order to establish how well cared for it has been, along with making sure that it is legislation-compliant. It is illegal to drive a car without an MOT on a public road, so when you are looking to test drive, make sure that it either has an MOT or you can test drive on private land. The owner of the vehicle should have a full service history kept in the cars log book, as this will inform you of any work done to the car from regular maintenance to repair work.
Owner History and MileageThe number of owners of a car as well as its mileage can be indicative of the state of the car. A typically used car covers between 10-15 thousand miles a year. Equate the mileage on the clock to the age of the car to work out how heavily it has been used and by how many owners. The fewer the miles and the fewer the owners the better.
Check TyresThere are three simple tests for tyres: brand, tread and wear. Check that all four tyres are the same. Check that the tread on the tyres is within the legal limits. Check that the tyres are worn evenly - if one side appears more worn than the other then this could be indicative of a tracking or suspension issue.
Check for RustCheck the exterior of the vehicle for scratch marks and rust, particularly around the doors and wheel arches. If not remedied quickly, rust can become an expensive problem to fix. If you are able to safely, place the car on temporary ramps and check the underside of the vehicle for rust, particularly around the exhaust. If rusted, this could indicate the need for a new exhaust and possibly further work to the chassis of the vehicle.
Car Tech: What’s Your View?
Now that you know you can get car finance from Mark Andrews Used Cars, the next step is finding the perfect vehicle for you. Part of that choice is deciding on whether or not you want your new wheels to feature technology designed to improve your driving experience.
In recent years, there have been some incredible leaps forward in this kind of intelligent technology, including self-parking and parking assist systems, which are great tools to help drivers master some of the trickier parts of being a motorist. Built-in cameras and sensors are now usually offered as extras on top of a basic model from new car dealerships, so it’s no surprise you’ll find them in quality used cars too.
However, some critics bemoan systems such as these, saying they dumb down driving. In a response to a new piece on in-car tech designed by Ford, which reads road signs and moderates your speed, motoring writer Ian Dooley asks the question: ‘Is all this ‘nanny’ kit reducing cars to just appliances on wheels?’
It’s a good question when some of these automation devices see drivers relinquish complete control of the vehicle. With the likes of cruise control and lane departure warnings that read road markings to tell you when you’re too far over, you have to ask whether they should be needed, or whether these things should just be the responsibility of the driver.
Of course, the concept of these systems is to make driving safer, so whatever your view on car tech when buying a used car, ensure that you use it responsibly and not as a replacement for your care and attention when on the road.
Most Popular Car? The Lexus IS
If you’re considering a car loan for poor credit and can’t quite decide what vehicle you want to get your hands on next, what about the Lexus IS? This particular set of wheels has just been named by Auto Express as the 2015 Driver Power champion, scoring a satisfaction rating of 93.96 per cent. Can’t say fairer than that!
The Skoda Yeti – which has topped the annual poll for the last four years – came in second, followed by the Hyundai i10… both good options if you’re in the market for a new motor.
Auto Express asked an impressive 61,113 drivers how they rated their cars with regards to running costs, reliability, in-car tech and practicality, with the top ten including the SEAT Leon Mk3, the Renault ZOE, the Lexus NX, the Jaguar XJ Mk4, the Nissan Leaf, the MINI Mk3 and the MG3 – all excellent tips if you want to part exchange your current vehicle.
“Car buyers are attracted by the low running costs of hybrid and electric cars, but Driver Power 2015 shows that the whole ownership experience for these cars is pretty enjoyable, too,” editor-in-chief of Auto Express and Carbuyer Steve Fowler said.
Just remember – you don’t have to spend a huge amount of money in order to get yourself a reliable car. In fact, a recent study by What Car? magazine actually revealed that some of the most expensive manufacturers have produced some of the least reliable motors. The bottom of the list included Porsche and Bentley, so it might be worth sticking to your trusty Skoda in the end after all.
DVLA To Stop Issuing Paper Driving Licence Counterpart
As of June 8th this year, the DVLA will stop issuing the paper counterpart that has until now come with photocard driving licences in the UK, so bear this in mind when trying to take out car finance to buy a new set of wheels. The paper counterpart has been used to display all details not included on the photocard, including penalty points, endorsements and vehicle categories. But from June, all such details will be kept as part of the organisation's digital records, so you will have to check your penalty points either by post, phone or online.
It is hoped that the move will help simplify the DVLA's processes. Motorists are now being advised to throw their paper counterparts away after June 8th, as they will no longer be valid. However, you will need to retain your photocard and make sure that you renew it as appropriate.
When it comes to hiring a vehicle, you will have to provide evidence of your driving record via the DVLA's Share Driving Licence service, which is currently under development but will be available before June.
You will also be able to view your driving licence information via the DVLA's View Licence service. In order to check your details, you will have to provide your driving licence number, your National Insurance number and the postcode that appears on your driving licence.
The move to paperless has garnered some criticism from some quarters. Some believe it could cause a bit of confusion since not everyone is comfortable with going online and others may well be worried about the potential for fraud.
Online Shopping ‘Boosts UK Car Market’
The UK vehicle market is in the middle of a period of huge growth, according to the Society of Motor Manufacturers and Traders. If you are thinking about buying a new car, then now is the perfect time to get car finance and make your purchase as soon as possible.
Car sales in Britain have been on the rise for over three years and the market shows no signs of slowing down. Van sales in particular have seen a massive increase every year, making it even easier to get the finance you need, the BBC reports.
There have been over 100,000 new vans registered during the first three months of 2015. This is an increase of nearly a quarter, since the first three months of 2014. With sales this positive, there is expected to be no decline in new vehicle purchases of either cars or vans.
A main factor for the growth of this sector is down to online sales. The increasing dominance of online retail in the UK economy means that car sales have received a huge boost from this new method of distribution.
Online sales in Britain during 2014 finally earned over £100 billion, and this is making a big difference as to how people buy and sell their transportation. Van sales have been gradually achieving a greater proportion of the commercial vehicle market and they now dominate this area.UK car sales, for both personal and commercial vehicles, are ever increasing, so get your finance in order and make an investment for yourself or your business. With sales this positive, UK car manufacturers will want to keep the momentum going and there are sure to be many great deals for you to find.
Car Sales ‘Continue To Rise In Britain’
If you’ve ever been refused car finance, then now is the time to try again, as British car sales are at their highest levels in years. The UK market hasn’t been very strong over the last decade, but now sales are finally reaching record highs.
According to the Daily Express, March 2015 saw the most car sales of any month since 1999, figures from theSociety of Motor Manufacturers and Traders show. This makes it the perfect time to investigate whether you are eligible for car finance, because the market is in a great position.
With sales booming, car companies will be desperate to keep those records going, so you should see whether you are able to get finance.
Sales of cars have continued to rise in the UK for every month over the last three years. Ford continues to be the best selling manufacturer, thanks to its incredibly popular and affordable models, especially the Fiesta and the Focus.
The Fiesta is the UK’s top selling vehicle for the month of March 2015, selling over 27,000 new units. Ford also has the third highest selling vehicle, with the Focus managing to shift over 15,000 models onto the roads.
When combined with all of its other products, Ford has sold over 60,000 new vehicles during March 2015 in the UK alone - some 15,000 more cars than the second place Vauxhall and 25,000 more cars than the third place Volkswagen.With sales this healthy, now is the perfect time to look for car finance, so that you can get behind the wheel of your own new vehicle and benefit from booming UK car sales.
Car Selling ‘Boom’ For Britain
While many European countries have seen a slowing down in car sales, Britain has been increasing sales in recent years. So if you’ve been refused credit car loans, then now is the perfect time to investigate whether you might be eligible to join in this massive sale of motors in the UK.The huge increase in sales, as reported by the Guardian, for the British car industry currently shows no sign of slowing down. During March of 2015, Britain managed to outsell the Spanish market by ten times the amount of cars. While Spain only managed to sell 40,000 new vehicles, Britain managed to sell over 400,000 in just one month.
This massive increase in sales is the culmination of a three-year period, which has seen the number of cars in Britain steadily rising on a monthly basis. This has resulted in 2015 already being a record breaking year, with sales set to continue and no sign of the market slowing down.The health of the British car market is sure to create fantastic prices for consumers. As retailers look to keep this boom going, a surplus of used cars will be up for sale, so there are sure to be many great offers to be had in the UK during 2015.
There has never been a better time to buy a new car in Britain. So make sure that you are able to apply for credit and then see which car is best for you. There are sure to be many great offers all through 2015, so if you were thinking of buying a car, then now is certainly the time to do it.
You Don’t Need To Spend A Fortune To Buy A Reliable Car
A survey from What Car? magazine has found some surprising results when it comes to finding the most reliable vehicles. If you were looking into getting car finance for purchasing a vehicle, then you won’t need to break the bank to get a great ride because expensive does not necessarily equal greater reliability.
In a new study, What Car? magazine has shown that some of the most expensive and iconic manufacturers also create some of the least reliable vehicles. You might expect that spending a fortune on a new car would give you a better quality product, however, spending more may provide you with a motor that always break down.
At the bottom of the list for least reliable vehicles was, rather shockingly, Bentley and Porsche. Also at the bottom of the table were Audi and Mercedes. You would expect these cars to be the most reliable, but they have proven to falter more often than their affordable counterparts. They also come with much more expensive repair costs.
At the top of the list for reliability was Honda. Hondas also come with very reasonable repair costs. Also included in the top ten were Ford, Nissan and Skoda.
So if you were thinking of investing in a quality car that won’t let you down, then instead of thinking of how much you can spend, you might consider how little. More money does not equal better quality, so you might want to invest in a Skoda instead of a Porsche, although the Porsche definitely looks nicer.
Do Your Tyres Need Changing?
You might not know it but the tyres on your car might be so worn out that they're putting your lives at risk, so it's vital that when you buy a second-hand vehicle through poor credit car finance you get the wheels checked as a matter of urgency.
Figures from the AA indicate that 65 per cent of women and 36 per cent of men rely on their garage to let them know when their tyres need to be changed, with just 43 per cent checking their pressures at the recommended two-week interval. Furthermore, 25 per cent don't have their tyre pressure checked for two months or more and three per cent admit that they never check their tyres.
This research comes as the AA launches its mobile tyre service to bring tyre fitting to homes and workplaces around the UK. AA vehicles will be sent around the country to help with puncture repairs, tyre changing and wheel balancing.
"Tyres aren’t ‘optional extras’ – the four small patches of rubber, each the size of your hand, are the only parts of the car that touch the road and if they’re worn, poorly inflated or damaged then you really are dicing with death," director of AA Tyres David Bruce remarked.
Check your tyres yourself by looking for bulges and cuts, and making sure that they have a tread depth of 1.6mm across the central three-quarters of the tyre's breadth and around the outer circumference. It's important to remember that tyres age and you should never use a tyre that's over six years old.
Go Ultra Low Cars – What Are They?
Do you want to save money on road tax? Then a Go Ultra Low car might be the perfect choice for you. Sort out your poor credit car finance first, then do some research into the different types of vehicle available to you that could help you save cash on your tax.
Quite simply, a Go Ultra Low car is one that produces 75g or less of CO2 per kilometre. Currently, all vehicles that achieve this use electric power to turn the wheels to some degree, whether it’s a plug-in hybrid, a 100 per cent electric car or an extended-range electric vehicle (E-Rev).
Manufacturers include Renault, Nissan, BMW, Vauxhall and Toyota, so you know you won’t need to worry that your car will be low quality just because it’s low emission. But how do you know which type to go for?
E-Rev motors could be a good choice – they have an electric motor, an internal combustion engine and a plug-in battery pack, so your battery can be recharged as you go once it’s run out. These generally have a battery range of around 40 miles before it switches to the range-extender mode, with tailpipe emissions of about 20-30g/km CO2.
Plug-in hybrids have a smaller battery than a 100 per cent electric car and, although it typically drives the wheels at low speeds for a relatively limited range, it is enough to cover average journey lengths, which is seven miles per trip.
Battery electric vehicles – or 100 per cent electric motors – are those that are wholly driven by an electric motor, with a battery that is plugged into the mains to charge. They can be charged directly from a normal socket but you’ll find that there are public locations where recharging times are quicker.
Paper Tax Disc Changes ‘Catching Motorists Out’
If you’ve just taken out a car loan for bad credit, be aware that the Driver and Vehicle Licensing Agency (DVLA) got rid of the paper tax disc late last year and now, when a vehicle changes ownership, the car tax is automatically cancelled.
It would seem that many drivers are unaware of this fact, however, with an investigation by Guardian Money revealing that people have received fines totalling hundreds – some as much as £800 – after being given a car by a relative or swapping a vehicle with a family member.
Prior to the changes being introduced in October 2014, the DVLA clamped approximately 5,000 vehicles each month, but this has climbed to over 8,000 since, with drivers finding that their cars are being towed without them receiving a warning letter from the organisation.
A spokesman from the DVLA told the news source that the body does operate a series of measures that are intended to make paying vehicle tax easy yet hard to avoid.
“The changes have been widely publicised and we write to every vehicle keeper to remind them of the new rules before the vehicle tax expires. We also write to every new vehicle keeper when they buy a used vehicle to inform them that they must tax the vehicle before they use it,” he went on to note.
Paper tax discs no longer need to be displayed on car windows but you do still need to make sure you have paid tax on your vehicle. You can do this either by using the 11 digit reference number on your log book or the 12 digit reference number on the New Keeper Supplement if you’ve just bought the car or it’s not registered in your name.
Part Exchange Explained
If you’re looking for a car finance package and want to part-exchange your old motor but aren’t sure what this entails exactly, have a read of our handy guide right here to help you work out if this is the right route for you.
All part-exchanging really means is that you can use your old car as part-payment towards a new set of wheels – it’s definitely one of the easiest options for sorting out a new motor quickly, since you don’t have to waste your time with private buyers who may not be all that interested and you won’t have to pay someone to advertise your car.
Your primary focus when considering part-exchange should be the difference in price between your old motor and your new one, so you can make sure you get the best deal going. Remember that the smaller the gap, the better, so do some price research before you go anywhere and keep your eyes out for special offers.
In addition, in order to get the best price for your old wheels, make sure that you collect all the paperwork (including the current MOT, invoices for work carried out and your logbook), check the service history (it’ll be worth more if it’s been serviced regularly) and fix any damage (although if this will cost you more than you’d get back through a higher part-exchange value, it’s probably not worth doing).
Give it a good clean and vacuum the inside so it looks newer and more inviting to prospective buyers, as well.
Test-Driving Used Cars
If you’ve taken out bad credit car finance and are keen to get yourself a new set of wheels, it’s essential that you try before you buy and take your choice of vehicle out for a test drive before you part with any cash.
Before you get behind the wheel, make sure that you have the right kind of insurance in place. You can take out day insurance (advisable even if dealers have their own policies, and especially if you’re buying from a private source), which will mean you’re fully protected even if you’re test-driving more than one car in a day.
Check that the engine of the car is cold so that you can see any starting problems that might exist. If the engine is warm, it’s possible that the seller is trying to mask a problem with the vehicle so just wait until it’s cooled down sufficiently.
When actually out on the open road, drive for at least half an hour and do your best to take it on as many different types of road as possible, including the motorway, so you know how it handles in all circumstances.
Most importantly, make sure that you remember to check the brakes and when you find a suitable spot conduct an emergency stop to see just how worn down they are.
Following simple rules such as these will make the car-buying process that much easier and you’ll drive home safe in the knowledge that you’ve made a good purchase and haven’t invested in a motor that is unsafe.
Petrol Vs Diesel – Which Is Right For You?
Before you take out car finance for bad credit, you need to think about what kind of vehicle you’re after and specifically, whether you want a diesel or a petrol engine. There are pros and cons to both so before you spend any money, give our guide a quick read to help you make up your mind.
If you’re thinking about initial spend, you’ll find that typically diesel cars do cost more than their petrol counterparts, but it may well be the case that your diesel vehicle costs you less to run. It can be tricky working out which will cost you more, but if you head to the Which? website you can enter in the details of various cars (fuel cost per litre, annual mileage, miles per gallon and purchase price) to help you work out the calculations.
Because diesel is more efficient than petrol, the CO2 levels you produce will usually be lower, so you might well find that your car tax is reduced as well, so bear this in mind before you buy. Insurance, however, varies depending on the model of car so don’t think that this will be lower just because you’ve gone for diesel.
If efficient driving is what you’re after and you want to keep fuel consumption to a minimum, a lot of it is actually down to driving style. Driving smoothly and reducing your gear changes will help to reduce the amount of fuel you use, while clearing your car of unnecessary weight and reducing drag can also help in this regard.