Car Hugger

Getting the best deal on your car insurance

2010-11-16T01:37:00.000-08:00

There are tried and tested ways to get the best deal on your car insurance. In these tough economic times, it makes sense to ensure that we find the best possible price for all major purchases. Just as you would research into the best savings rates available before selecting which savings account you would like to open, you should do your utmost to source the best deal on the products and services you use on a day-to-day basis.

Car insurance is one of those things that can see unsavvy consumers spend way over the odds year after year, purely because they’re unaware that there are better deals out there. The biggest mistake people tend to make when it comes to car insurance is signing up with a provider and then sticking with them year after year, assuming that they’re offering the best price with every renewal. That simply isn’t the case – once car insurance providers have you on their books they’ll play on your loyalty and charge you a higher premium in subsequent years than they would charge new customers.

The way to combat this, of course, is to shop around every year when it comes to car insurance renewal time. Yes, it’s more hassle to seek new quotes every year than to simply let your old policy auto-renew – but when you take into consideration the hundreds of pounds you could be saving by switching it becomes a bit of a no-brainer.

Luckily, it’s possible to acquire a whole host of car insurance quotes in a matter of minutes nowadays by using one of the many online comparison sites. Once you enter some basic information about you and your vehicle, these sites will provide you with a long list of insurance options, allowing you to pick out the one that suits your needs best.

One thing to remember, however, is that some of the big insurance providers don’t provide quotes via comparison sites, so to get the full picture you’ll need to go direct to their websites or give them a call to find out their best price.

When it comes to significant expenses such as car insurance, cashback sites – such as topcashback and quidco are incredibly handy tools. If you visit your insurance provider’s website via a cashback site link, the site in question receives a commission from the insurance company. The cashback site then passes a percentage of that payment directly back to you as the consumer as a ‘thank you’ for earning them commission. Depending on the deal, the cashback generated by going through one of these sites can make a huge difference to the cost of your insurance.

As long as you do your research you should be able to make big savings on your premium, so head online and get the best deal you possibly can.

Fuel and transport costs push up UK inflation

2009-11-19T03:42:00.000-08:00

UK inflation has taken some by surprise and risen for the first time in eight months, with the main driver being fuel and transport costs. CPI annual inflation – the Government’s target measure – rose to 1.5% in October, latest official figures from the Office for National Statistics show (17 November). This is up from 1.1% in September.

By far, the largest upward pressure affecting the change in the annual rate of inflation came from transport which was largely driven by the purchase of second-hand cars, stimulated by the Government’s car scrappage scheme.

The price of second-hand cars rose at their fastest ever rate between September and October this year, increasing by 1.1%. This in turn also impacted the annual rate of inflation for second hand cars in October, reaching a record high of 13.2%. A key driver of the upward movement in prices also came from increased transport costs, where petrol prices fell by 0.7% between September and October this year.

Inflation in other key areas of household expenditure remained steady, with electricity prices 8.2% lower than a year earlier in October, wand gas prices down 5.9% in the month of October, although there were further upward pressures from landline telephone charges.

The largest downward pressure affecting the change in inflation came from banking services, where prices fell by more than a year ago due to reductions in bank overdraft charges and mortgage arrangement fees.

Why do I need to know this?

Inflation is a measure of rising prices and it's useful to know how much the cost of goods is rising because some salaries and pensions are linked to inflation – so salaries might increase at the same time that food and other goods in the shops rise in price, essentially easing the burden on your pocket.

It's also good to have an idea about whether prices will be going up in the coming months so you can plan your finances and if inflation comes back to the target level of 2 per cent, then the Monetary Policy Committee (MPC) – who decide whether to increase, hold or decrease interest rates – may begin to start changing them.

What the economists say

Henderson economist, Simon Ward said: “The rise in consumer price inflation from an annual 1.1 per cent in September to 1.5 per cent in October marks the start of a trend that is likely to carry the headline rate above 3 per cent in January. Inflation should subside over the remainder of 2010, but is unlikely to fall below the 2 per cent target.

Nick Beecroft, senior FX consultant at Saxo Bank, added: “Given the fact the MPC’s November Inflation report expected inflation to decline during 2010 and 2011, but thereafter their projections have inflation on a steadily rising path through the 2 per cent target, the MPC hawks will be keen to see an end to these upside surprises, otherwise their fingers will start to twitch on the interest rate rise trigger.”

How to Haggle and Save Hundreds on a New Car

2009-11-16T02:09:00.000-08:00

Buying a car can be one of the most expensive decisions we make, and yet far too many of us end up paying over the odds for a new set of wheels. In the current uncertain climate, it's more important than ever to get a good price on your reliable run-around - or sporty little number - and one of the easiest ways of doing this is by haggling.

Don't be afraid of negotiating a better deal

However, new findings show that of the 1.14 million (*) people planning to buy a brand new car between September 2009 and February 2010, 121,000 (*) do not plan to bargain down the price they pay. This is despite the fact that - depending on the car - you could get a discount of up to 50 per cent (**) on the list price.

In fact, figures suggest the average discount you should be aiming for on a brand new car is around £1,893 (***) which means that overall, British motorists could save themselves a huge £229 million (*) over the next six months.

Seize the opportunity to drive a hard bargain

Few of us enjoy haggling, but there's no time like the present to cast off your inhibitions and try your luck, as despite the Government's scrappage scheme - introduced in May offering “cash for bangers” - the car industry is still going through a difficult period. (See: Buy a new set of wheels as discount deadlines loom.)

With figures showing that the sales of new cars in September were down 20 per cent (****) on previous years, this really is the perfect time to put your bartering skills into practice.

“Now is a good time to negotiate a significant discount on the price of a new vehicle,” says Steven Baillie from Sainsbury's Finance. “With typical British reserve, many of us don't haggle hard - despite the big savings that can be made. We'd urge buyers to give it a go.”

Homework is the key to confidence

Haggling may be an art, but it doesn't have to be difficult - here's our top tips to steer you through the process:

Do your research - knowing the discount you want to aim for will help you haggle more effectively, so make sure you're armed with as much information as possible.
Set a budget - enter into negotiations with a fixed idea of the car you want and the amount you're happy to spend - and stick to it.
Pick your person - identify the right person to negotiate with and be courteous; your chances will improve if they like you.
Show no emotion - try and keep your excitement in check when you're haggling, as if you look too keen, the dealer may be less willing to negotiate on price.
Ask for extras - if you can't persuade staff to give you a discount, try and get additional features thrown into the deal, such as a better car stereo.

Pick your moment

If you're planning to haggle, it's worth thinking about timing, as you can often pick up a good price on a new car just before the introduction of new registration plates, as cars left over from the previous registration become less attractive. Similarly, one of the best times to get a great deal on an old model is when manufacturers are introducing a new one.

Learn when to quit

One of the key elements of successful haggling is knowing when you have got a good deal and not pushing your luck. At the same time, if you're not able to strike a deal, it's equally important to know when to walk away - and to show that you mean business; after all, there are always other cars.

Top tips to drive down the cost:

As well as haggling, there are some other simple steps to make a tidy saving:

Shop around for the best deal on a loan.
Consider a 0 per cent finance deal from your car dealer - but note you may have to pay a hefty deposit
Do the maths to work out if a leasing deal will be cheaper.
Look at cars that have been pre-registered, as you essentially get a nearly brand-new car at a second-hand price.
If you have an exact model in mind, check out an internet-based car broker.

Notes:

(*) Sainsbury's Finance
(**) Car broker Broadspeed.com
(***) What Car? Target Price 2009
(****) Society of Motor Manufacturers and Traders (SMMT), September 2009

Sourced from Confused.com Haggling Tips for buying new car

8 Great Car Security Tips

2009-11-16T02:02:00.000-08:00

In the UK, car crime is a depressingly common occurrence – and partly responsible for the price we pay for car insurance. But there are plenty of security measures that can easily be taken to help prevent you from becoming a victim – and what’s more, some of these measures could also get you a reduction in the cost of car insurance.

1. Car Alarm

Car alarms aren’t just about waking the neighbours at three in the morning when a big lorry trundles past, they’re also about alerting you to the fact that some unscrupulous so-and-so could be meddling with your motor. Although they can’t physically stop a car (or valuables kept inside) from being stolen, a thief will likely think twice before tackling a set of wheels that he or she knows will get everyone’s attention if the alarm’s set off. The threat of a piercing sound and flashing lights is a powerful deterrent, and some alarms also come with a pager to alert you if they are activated. Most modern cars come pre-equipped with an alarm, but if you drive an older vehicle, getting an alarm professionally fitted will help secure your car and could result in cheaper car insurance.

2. Car Immobiliser

An immobiliser is an electronic device which prevents a car from being started by someone who doesn’t have the proper key. Although an immobiliser won't stop a car from being broken into, it may stop it from being stolen. And even if a thief can somehow start an immobilised car, the extra time this would take would very likely dissuade them from even attempting it.

Since 8 October 1998, all new UK cars have had immobilisers fitted as standard, but if you drive an older car, getting an immobiliser professionally fitted will help secure your car and could mean cheaper car insurance.

3. Car Tracking Systems

Car tracking systems require a transmitter to be hidden in your car. If stolen, the vehicle can then be tracked and recovered. There are two main types of tracker: GPS systems can find your car whilst it’s at street level, and VHF systems can find your car even if it’s hidden in an underground car park or storage container.

However, tracking systems can be quite expensive, often requiring a significant monthly subscription charge.

4. Steering Locks/Gearstick & Handbrake Locks

These tough metal locking devices prevent the steering wheel, gearstick or handbrake from being used when the car is not in use. They are relatively cheap to buy (prices start at around £20), but in general, the more you pay, the better the security.

Although not impenetrable to a seasoned car thief, the real value of these locks is as a visual deterrent. Their bright colour (sometimes with flashing lights) lets a thief know that this car will take longer to pinch, so they may as well move along and try their luck on an easier steal.

5. Secure Parking

If your home has a driveway, or better still a garage, then use it. Cars parked off-street are far less likely to be stolen than those parked on the road. When away from home, try and leave your car in a secure car park – one with a ticket barrier or attendant.

If you have to park on the street, do so in a busy, well-lit area, and if at all possible, beneath the gaze of a CCTV camera.

6. Hide Valuables

It’s not just car thieves you have to worry about, there are plenty of crooks out there who are simply after your valuables. Therefore, never leave expensive goodies out on display within your car - it’s just too tempting for the opportunistic thief.

Sat Navs, mobile phones, CDs, laptops, briefcases, jackets and sunglasses are all fair game – so make sure you hide them out of sight in the glove compartment or boot.

7. Don’t Forget to Lock Your Car

This may seem like a no-brainer, but plenty of cars get stolen as a result of forgetful owners. Even if you’re only leaving the car for a short while – at a petrol station, for instance – your vehicle, or any valuables left on the seat, are at a very real risk of theft. The same goes for windows and sunroofs – always close them when you leave the car, no matter how short a time you’re away (the exception, of course, is if you have a pet on board – in which case just leave a small gap). But worse than leaving a car unlocked is leaving a car unlocked and with the key still in the ignition – that’s just making a car thief’s job too easy. So try and get into the habit of checking the door handles every time you leave the car. One more thing – once you get home, don’t leave the car keys on a table near your front door. Thieves have been known to pop a coat hanger through the letterbox to hook the key ring.

8. Marking/Etching

Marking and Etching are ways of stamping your car with a unique identifier. Marking can be as basic as writing on various parts with an ‘invisible’ ultra-violet pen, or as sophisticated as covering the car with thousands of micro dots – each encoded with your identifiable details.

Etching involves ingraining your car’s serial number or registration number into the windows and light covers of your car. Of course, none of these methods will stop your car being stolen, but they can act as a deterrent and will certainly help make it more recoverable if stolen.

And finally...

...if you’re thinking of buying a car, you can get an idea of how safe and secure it is by checking out its Thatcham New Car Security Rating. And don’t forget to protect your car even further by covering it with comprehensive car insurance.

Motoring Conviction Codes

2009-10-01T03:50:00.000-07:00

If you are unsure of any of the conviction codes for motoring offences within the UK, there follows an explanation of some of the most commonly misunderstood offences, and a complete list of conviction codes* below.

Accident offences
The following stay on a driving licence for four years from date of offence:

AC10 Failing to stop after an accident (5-10 points)
AC20 Failing to give particulars or to report an accident within 24 hours (5-10 points)
AC30 Undefined accident offences (4-9 points)

Disqualified driver
The following stay on a driving licence for four years from date of offence:

BA10 Driving while disqualified by order of court (6 points)
BA30 Attempting to drive while disqualified by order of court (6 points)
These stay on a driving licence for four years from date of offence

Careless driving
The following stay on a driving licence for four years from date of offence:

CD10 Driving without due care and attention (3-9 points)
CD20 Driving without reasonable consideration for other road users (3-9 points)
CD30 Driving without due care and attention or without reasonable consideration for other road users (3-9 points)

The following stay on a driving licence for eleven years from date of conviction:
CD40 Causing death through careless driving when unfit through drink (3-11 points)
CD50 Causing death by careless driving when unfit through drugs (3-11 points)
CD60 Causing death by careless driving with alcohol level above the limit (3-11 points)
CD70 Causing death by careless driving then failing to supply a specimen for analysis (3-11 points)

The following stay on a driving licence for four years from date of conviction:
CD80 Causing death by careless, or inconsiderate, driving (3-11 points)
CD90 Causing death by driving: unlicensed, disqualified or uninsured drivers (3-11 points)

Construction and use offences

The following stay on a driving licence for four years from date of offence:

CU10 Using a vehicle with defective brakes (3 points)
CU20 Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition (3 points)
CU30 Using a vehicle with defective tyre(s) (3 points)
CU40 Using a vehicle with defective steering (3 points)
CU50 Causing or likely to cause danger by reason of load or passengers (3 points)
CU80 Using a mobile phone while driving a motor vehicle (3 points)

Reckless/dangerous driving
The following stay on a driving licence for four years from date of conviction:

DD40 Dangerous driving (3-11 points)
DD60 Manslaughter or culpable homicide while driving a vehicle (3-11 points)
DD80 Causing death by dangerous driving (3-11 points)
DD90 Furious driving (3-9 points)

Drink or drugs
The following stay on a driving licence for eleven years from date of conviction:

DR10 Driving or attempting to drive with alcohol level above limit (3-11 points)
DR20 Driving or attempting to drive while unfit through drink (3-11 points)
DR30 Driving or attempting to drive then failing to supply a specimen for analysis (3-11 points)

The following stay on a driving licence for four years from date of offence:

DR40 In charge of a vehicle while alcohol level above limit (10 points)
DR50 In charge of a vehicle while unfit through drink (10 points)
DR60 Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive (10 points)
DR70 Failing to provide specimen for breath test (4 points)

The following stay on a driving licence for eleven years from date of conviction:

DR80 Driving or attempting to drive when unfit through drugs (3-11 points)

The following stay on a driving licence for four years from date of offence:

DR90 In charge of a vehicle when unfit through drugs (10 points)

Insurance offences
The following stay on a driving licence for four years from date of offence:

IN10 Using a vehicle uninsured against third party risks (6-8 points)

Licence offences
The following stay on a driving licence for four years from date of offence:

LC20 Driving otherwise than in accordance with a licence (3-6 points)
LC30 Driving after making a false declaration about fitness when applying for a licence (3-6 points)
LC40 Driving a vehicle having failed to notify a disability (3-6 points)
LC50 Driving after a licence has been revoked or refused on medical grounds (3-6 points)

Miscellaneous offences
The following stay on a driving licence for four years from date of offence:

MS10 Leaving a vehicle in a dangerous position (3 points)
MS20 Unlawful pillion riding (3 points)
MS30 Play street offences (2 points)
MS50 Motor racing on the highway (3-11 points)
MS60 Offences not covered by other codes (points as appropriate)
MS70 Driving with uncorrected defective eyesight (3 points)
MS80 Refusing to submit to an eyesight test (3 points)
MS90 Failure to give information as to identity of driver etc (6 points)

Motorway offences
The following stay on a driving licence for four years from date of offence:

MW10 Contravention of special roads regulations (excluding speed limits) (3 points)

Pedestrian crossings
The following stay on a driving licence for four years from date of offence:

PC10 Undefined contravention of pedestrian crossing regulations (3 points)
PC20 Contravention of pedestrian crossing regulations with moving vehicle (3 points)
PC30 Contravention of pedestrian crossing regulations with stationary vehicle (3 points)

Speed limits
The following stay on a driving licence for four years from date of offence:

SP10 Exceeding goods vehicle speed limits (3-6 points)
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) (3-6 points)
SP30 Exceeding statutory speed limit on a public road (3-6 points)
SP40 Exceeding passenger vehicle speed limit (3-6 points)
SP50 Exceeding speed limit on a motorway (3-6 points)

Traffic direction and signs
The following stay on a driving licence for four years from date of offence:

TS10 Failing to comply with traffic light signals (3 points)
TS20 Failing to comply with double white lines (3 points)
TS30 Failing to comply with 'Stop' sign (3 points)
TS40 Failing to comply with direction of a constable/warden (3 points)
TS50 Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines) (3 points)
TS60 Failing to comply with a school crossing patrol sign (3 points)
TS70 Undefined failure to comply with a traffic direction sign (3 points)

Special code
The following stay on a driving licence for four years from date of offence:

TT99 To signify a disqualification under 'totting-up' procedure. If the total of penalty points reaches 12 or more within three years, the driver is liable to be disqualified

Theft or unauthorised taking
The following stay on a driving licence for four years from date of offence:

UT50 Aggravated taking of a vehicle (3-11 points)

Causing or permitting
With these offences, the code remains the same except for the last digit – which changes to a 4. So, for example, if someone drives a car uninsured then they are committing an IN10 offence. However, if somebody lends a friend their car knowing full well that the friend is not insured, then they can be convicted of an IN14.
Another example is if a driver is using a mobile phone (not hands-free) then the code for this offence is CU80. However, if a passenger in the car answers the phone and then passes it to the driver – knowing full well that the driver is operating the vehicle – then the passenger may be guilty of a CU84.

Aiding, abetting, counselling or procuring
With these offences, the code remains the same except for the last digit – which changes to a 2 (e.g. LC10 becomes LC12).

Inciting
With these offences, the code remains the same except for the last digit – which changes to a 6 (e.g. DD40 becomes DD46).

*Source: Directgov 2009

Arrtilce Sourced from Confused.com Motor Conviction Codes

Car Industry Breakdown Map

2009-09-21T08:35:00.000-07:00

Here's a great map of the car industry broken down by manufacturer to show which car companys produce which cars.

Top 10 UK Car Country Drives

2009-07-27T02:52:00.000-07:00

UK top 10 best car road drives - forget speed cameras, roadworks and traffic jams: blow away the cobwebs with the best British country drives. Stuck in a rut of the daily commute? Leave the hustle and bustle behind and head for the British countryside. Even in these congested times, the UK has plenty to offer in terms of scenic drives and cracking roads; you just need to know where to find them. Here we show you the route to happiness with the top ten British country drives…

1. Hebrides
It may take a bit of effort to get there, but the Isle of Skye is an unspoiled haven within the Inner Hebrides.

Take the A87 from Portree - it skirts the coastline round the island and turns into the A855. There are numerous single-track roads for the really keen, while the harbour at Portree is perfect for a few snaps. There’ll be something for drivers and sightseers alike.

2. Northumberland
The North East has more than its fair share of rugged coastlines and spectacular scenery.

Start at Berwick-upon-Tweed (taking in the view of Lindisfarne) and head south to Alnwick. Pick up the B6431, which turns into the B6432, skirting Northumberland National Park. Stop for a brew at Farlam Hall in Brampton and marvel at the feat that is Hadrian’s Wall.

3. Lake District
The Lake District’s twisty country lanes are a driver’s delight - if you can avoid the peak of summer.

The B5289, just outside Cockermouth in Cumbria, loops around Derwentwater to picturesque Keswick. Stretch your legs with a walk through the Lake District National Park, then head south to Hardknott Pass - the steepest road in England. You’ll end up in the Victorian town of Ambleside for a well-deserved cuppa.

4. Peak District
Perfect for a family getaway, Britain’s first national park offers magnificent views of peaks and valleys in almost every direction.

To get the most out of them, you can’t do much better than the A57 from Glossop. Wind your way over the Moorland for miles, keeping an eye out for the Ladybower, Howden and Derwent Reservoirs. Finish up at Bakewell for, you’ve guessed it, the essential Bakewell Tart! If you’re taking little ones with you, take a look at Confused.com’s Guide to Keeping Kids Happy on Long Journeys.

5. Isle of Wight
This often-overlooked nugget of seaside delight is only half an hour from the mainland.

The Military road runs across the south coast of the island, following the sea cliffs as they look out over the English Channel. Rising and falling, they’re ideal for a slow cruise or an enthusiastic sprint. The road itself was part of the Palmerston Forts, built in the 1860s, in response to the perceived threat of French invasion.

6. Cotswolds
Burford, just 16miles west of Oxford, is one of England’s prettiest medieval towns.

The 1000 locals will welcome you as you partake in the delightful high street and quaint shops. From there, pick up the B4425. You’ll enjoy a fabulous fast and flowing open road for almost 15 miles before you reach Cirencester. Unwind and explore the weekday markets and renowned Corinium Museum.

7. Suffolk
Situated in the east of the UK, Suffolk offers some architectural delights, while the rural roads provide some challenging routes once you head off the beaten track.

Castle Hedingham

Follow the A12 south out of Ipswich, through the delightful Vale of Denham, before heading to Sudbury and picking up the B1058 towards Castle Hedingham. This, and the subsequent B1053 and B1057, loop around Saffron Walden – explore Audley End, one of the most ostentatious Jacobean houses in England.

8. North Wales
Find yourself in the right part of Wales and you can enjoy some of the best roads the UK has to offer.

Start at Bala and take the A42122 through the heart of Snowdonia. Head through Porthmadog and Pwllheli along the south coast of the Lleyn Peninsula, then back up along Caernarfon Bay. If you’re really keen, head north to Anglesey, and try out its race circuit, which looks out over the Irish sea.

9. Dorset
Take pleasure in the stunning views on offer in Dorset. Enjoy the traditional seaside town of Weymouth before following the coastal road up to the A352, visiting the iconic Lulworth Cove.

Gold Hill, Shaftsbury, Dorset

Head into Poole and explore its natural harbour, the second largest in the world, before looping back along the A35 through Tolpuddle to Dorchester - the home of Thomas Hardy and the Dorset County Museum.

10. Cornwall
A part of the UK not to be missed, head south along the coast from Bodmin to Lizard Point, and across to Land’s End. From there, drive north through the popular beaches of St Ives and Newquay.

For one final flourish, follow the A30 out of Bodmin again and head over the challenging moor roads, but be prepared for the Brown Willy effect: a localised weather phenomenon that brings heavy rain and flash flooding. Check out the amazing Cornwall Sunrise if you get the chance!

Country roads may take a bit of negotiating. Before you leave the hustle and bustle behind, make sure your car insurance is up to date and you’re covered for breakdown.

Best 4 x 4s for under £30k

2009-07-27T02:37:00.000-07:00

Be seen in one of the best new 4x4 models on the market - these are what Confused.com consider the top five 4x4s for under £30k.

Best for looks – Volvo XC60

The Volvo XC60 has the distinct advantage of being fresh out of the box, but that doesn’t take anything away from this stylish 4x4.

Like a concept car that’s escaped its motorshow stand, the XC60 would look good in any manufacturer’s portfolio, never mind one with a conservative reputation such as Volvo.

Add to the fact it’s great to drive and there’s a choice of a low-emission front-wheel drive version, it also cuts fuel costs and could cut car insurance premiums. Prices start at around £25,000.

Best for practicality – Citroen C-Crosser

Many people choose 4x4s for their interior size and space, and the Citroen C-Crosser makes the best use of its cabin. Sharp on the outside, it measures up with the mid-sized competition, but thanks to a clean, uncluttered interior and some clever ideas there’s space to spare.

Under-floor storage and clever cubbies help, but the boot also has room for two fold-away seats, which means you can carry up to seven people.

Expect to pay a little over £20,000 for the cheapest models, as well as low car insurance and affordable running costs.

Best for off-roading – Jeep Wrangler

They say practice makes perfect, in which case Jeep have been plugging mud for longer than anyone else. If ultimate off-road ability is your thing, look no further. The simple chassis means big ground clearance and excellent axle articulation.

Being relatively compact also ensures it can squeeze through tricky gaps that others can’t. The downside - it’s not as refined - or as comfortable - as many of its rivals.

But if you’re knee-deep in mud, there’s not much else that will get you out again. Wranglers start at £18,000.

Best all-rounder – Land Rover Discovery 3

Land Rover also have a bit of history when it comes to the 4x4 game – and decades of experience in building nothing but off-roaders resulted in the superb Discovery 3. It has all the Land Rover touches you expect - clamshell bonnet, tough but stylish exterior and an air of class - it’s practical and good to drive too.

The fiendishly-clever Terrain Response system means it can cope with almost anything you throw at it, yet it’s smooth and refined on the road.

The cheapest model is just £190 over our budget, but you should be able to haggle below the magic £30k barrier.

Best for value – Chevrolet Captiva

Don’t think for one minute that 4x4s are the preserve of the rich. You can get the looks and practicality with the Chevrolet Captiva without emptying your bank account. This handsome beast, with optional large alloy wheels, has a decent specification and a choice of petrol or diesel engines.

Prices start at a relatively cheap £16,980, even less if you scrap your old car at the same time. The top version with all the bits and seven seats checks in at £24k.

Could the recession mean the end of style over substance for the motoring industry?

2009-07-20T03:14:00.000-07:00

The above title may seem a little over the top, but a number of news stories have emerged in the UK press recently concerning how consumers are being deterred from buying flashier vehicles instead of those which are considered more practical, and are refraining from adding sporty extras to their existing cars. So are necessities such as car insurance and fuel economy taking the place of the look and style of the UK's vehicles?

According to an article at justgoodcars.com, industry research has found that 36 percent of motorists surveyed said that their limited budgets are the most important factor when considering the purchase of a new car. Additionally, the reliability of the vehicle was also said to be influential in the decision, with one in five buying because of their trust in the manufacturer as opposed to the style or look of the vehicle itself.

Additionally, drivers who have bought cars with the intention of modifying or ‘souping' them up in the last year have been forced to think twice as research published at myfinances.co.uk highlights the added expense to insurance costs. For example, the added cost of a new spoiler on a 2000 Ford Focus for a 17 year old will be a massive £688.84 a year, whilst something as innocuous as decals and stickers could push the yearly extra cost up by another £6225.22!

According to Gerry Bucke of Adrian Flux Insurance there is an intriguing irony with the latter. He stated: "Young drivers of modified cars are on average 20 per cent less likely to have an accident and make a claim than young drivers in cars with a standard specification. The truth is, guys who modify their cars tend to be involved in fewer accidents. They invest heavily in their cars and take more care of them."

So what does this say for the motoring industry? Are we likely to see an end, or at least a pause, of people spending money on car style? The reports in the press would certainly suggest so, but whilst we might be gradually letting superficial aspects of our vehicles slide, with credit crunch cut-backs we will no doubt see individuals opting for cheaper cars rather than greener ones also. If manufacturers really want to sell new cars they will need to be able to offer cheap simplicity in order to match those that can be bought second hand.

Top 4 Things to Remember when Buying a Second-Hand Car

2009-07-20T03:11:00.000-07:00

Despite Labour's recently announced ‘Scrappage Scheme', in which car owners can get a discount on a brand new vehicle due to contributions from the seller and the government itself, many UK motorists are still eager to purchase a second-hand vehicle. However, the process of buying and owning a second-hand car is renowned for its pitfalls and difficulties, so how can you be sure paying less now will be worth it in the long run. Here are my top 4 things to remember when buying a second hand vehicle.

4. Web Research
Researching online does not stop at searching for the perfect wheels, however this is becoming even more efficient as we are now able to browse by manufacturer, cost, size - as well as information that details how much value your vehicle is likely to lose over time. Additionally, it is now easier than ever before to compare prospective car insurance prices via comparison websites, before you hand over your cash.

3. AA check
After you have found a vehicle you like, there are extra tools online that can help you confirm whether the car has had a shady past or not. The car data checks at theaa.com will provide you with a background history of a vehicle: including whether any finance agreements have been recorded, whether the car has been written off, registration details and past owners, vehicle identification number and a mileage check. They charge £20 for a single vehicle and £25 for up to five.

2. Consider running costs
Aside from the cost of the vehicle and its insurance, be sure to consider running costs such as tax and petrol consumption. In the wake of the credit crunch, finance assistance such as personal loans and ‘higher purchase deals' via the dealership may well be harder to acquire as lenders are now more stringent when it comes to credit checks etc. Work out a budget that relates to all the aforementioned costs of your new vehicle.

1. Take someone along with you
Additionally, one way you can be sure that you are getting the best price is to be confident when it comes to negotiating a price with the seller. If you don't relish the challenge of haggling, take someone along with you who does. Having a friend with you is also good for a second opinion and better still if they have some expertise when it comes to second-hand cars too.

Cars may no longer be status symbols, but they may still be the key to the heart of some women

2009-07-13T02:34:00.000-07:00

As petrol prices increase past the £1 mark, and drivers consider cheaper vehicles and cutting back on car insurance, it might seem like the days when the majority of UK motorists cared about the look and model of their vehicles are behind us. However, research from used car specialists, motors.co.uk, suggests that men should not be so quick to put car style to the back of their minds – at least, not if they are hoping to be at all popular with the opposite sex.

A survey conducted in May revealed that, in comparison to men, three times more women are concerned about what type of car their prospective partner owns. Additionally, when asked, a third of women admitted that they were likely to turn down a man if the car they drove did not live up to their expectations in terms of style and status.

The research also showed some interesting findings regarding how much people really care when it comes to the opinions of loved ones about their vehicles. One in fifty claimed they love their car more than their partner.

Although the findings of this particular survey might seem humorous, it follows similar research conducted earlier in the year by a car insurance specialist that suggested the credit crunch had killed the notion of the car as a status symbol. In a survey of UK motorists, 36 percent of those asked claimed that having limited budgets affected what car they would buy. Additionally, reliability was said to be a much more important factor compared to style or look, with one in five drivers buying certain vehicles because they trust the manufacturer.

Such research is risky, primarily because it tends to lead anyone who analyses it down routes of gender generalisation. However, it does seem to suggest some intriguing things about the automotive market currently. Whilst more drivers are seemingly less eager to focus on the superficial aspects of a new car, those who are impressed by a type or style of vehicle seem more likely to make car-based assumptions because it is now more likely that a nicer car will belong to an owner with considerable financial security.

Scrappage scheme: what does it mean for your car insurance?

2009-05-21T08:08:00.000-07:00

On the 22nd April, as part of the 2009 budget, Cllr Alistair Darling announced the launch of a nationwide ‘scrappage scheme’ in order to stimulate the floundering UK motor industry. Such incentives are not new internationally, however they do vary from country to country and we are yet to see how UK motorists respond in comparison to the enthusiastic Germans etc.

So far, most of the reports concerning the scheme focus on the financial benefits to the industry and ecological benefits to the environment. However, it seems to me that as a nation, the biggest concern when considering the purchase of a new vehicle is car insurance. So how does insurance fit into the ‘scrappage’ scheme of things?

If you currently own a car that is over 10 years old, and if it has been in your ownership for a minimum of 12 months, the incentive is there for you to trade in your vehicle for something cleaner and more efficient. If you do so within this tax year you will receive £1,000 from the government and another £1,000 from the motor industry to help with the purchase of your new car. 38 car dealers, producers, and franchisees have signed up to the deal, according to politics.co.uk.

Although it is early days in regards to car insurance prices, it seemed that the incentive could only be a good thing. In the insurer’s eyes, brand new vehicles are often seen to push down premiums because they are safer and more secure then those which are 10 years older. However, there is always the possibility that the scheme may well persuade customers to buy a car with a bigger engine than they perhaps would have done. Additionally, certain newer models will no doubt be more enticing for criminals then their older versions.

Subsequent reports from some companies in the industry, for example Parker’s Car Buying Guide, show that many are already dissatisfied with the scheme. Their survey of 600 motorists found that 70 percent felt that it was not generous enough in order to tempt them into trading in their current vehicle, especially after taking into account new finance costs such as tax and insurance. AT rac.co.uk, Kieren Puffet of Parker’s also specified that for bigger cars, at least, there are other ways to get bigger savings. It seems that where estates are concerned, differences between insurance quotes for vehicles from the last few years will not be worth the £2,000 when they are far cheaper second hand.

Trying to Cut Costs? Post Office® warns that skimping on insurance might not be the best option

2009-05-21T06:40:00.000-07:00

The recession is causing many of us to re-assess our outgoings. It might seem tempting to some, but Post Office® has issued fresh warnings today that cutting back on home and car insurance is not the best way to save on the pennies. Alongside fresh statistics that around 3,000 people die on UK roads as a result of car accidents, many are still looking to cut back on what should be a necessity – even though they are aware that having no car insurance is illegal.

Post Office® research is also showing an increase in customers who are switching from their existing “Comprehensive” policy to cheaper options such as “Third Party, Fire and Theft” and just “Third Party”. There has also been an increase in visitors to comparison websites and trends for other incentives in the industry such as cash-back which has been criticised for the confusion it can cause to some consumers.

Consequently, to ensure customers get the best cheap car insurance quote, the Post Office® has launched the simple and successful Quotefinder tool. Just type in your current premium price and challenge the Quotefinder to get you a better quote from its comprehensive database of top insurers, in seconds.

Despite reports elsewhere that premiums are on the rise, Post Office® is adamant that we are living in a buyers’ market currently in the UK. This is also particularly relevant to the home insurance industry where, again, many of us are eager to cut back on payments. Although the risks and legal issues may not be as serious when it comes to insuring your house, homeowners are being reminded that we are seeing an increase in burglaries and thefts. Most notably, cases of opportunist stealing from gardens and outbuildings such as sheds are expected to increase by more than 63 percent in comparison to two years ago.

And finally: consider your contents.

The Manbag is set to make an even bigger splash than it did last year, with celebrities such as David Beckham and Kanye West pioneering the look – and making the trendy holdalls even more desirable. Post Office® are warning that designer labels may necessitate specialist insurance, whilst their contents – which on average can amount to as much as £418 – might not definitely be covered by your existing home insurance.

Emma Baunach, of Post Office® Home Insurance said: 'It's important that men consider this a serious risk and take steps to protect their possessions by taking out personal possessions cover as part of their contents insurance.'

Funny Car Stickers

2009-05-21T03:39:00.000-07:00

A collection of 10 funny car bumper stickers that are most likely to induce a chortled “wtf?”

1. The Municipal Worker’s Creed

Who thinks it’s funny: Anyone residing in a state with a major roadway that’s been under construction since approximately the Regan Administration.

2. Mothers Against Drunk Fondling

Who thinks it’s funny: Anyone who ever listened to The Loaf’s Paradise By The Dashboard Light/Parents routinely overheard describing cherubic toddler as their “Happy little surprise.”

3. Truth In Stereotypes

Who thinks it’s funny: Men in general/women who can be routinely found performing small engine repairs while their male counterparts relax, sipping their frappuccino gingerly while thumbing through the new L.L. Bean catalog.

4. The Good Ol’ Days

Who doesn’t think it’s funny: Jimmy “Designer Board” Jitbag and his roving band of spoiled socialites.

5. Kill The [Bike] Messenger

Who thinks it’s funny: People who live in large metropolitan areas densely populated with “hipster” bike messengers and their loathsome elitist “underground” culture. Car Insurance companies may not find this as funny however!

6. College Rivalry

Who think it’s funny: Michigan State University alums/anyone who doesn’t know jackshit about college sports, but finds the obscurity of the question humorously appealing.

7. Life, Liberty, and the Pursuit of Homemade Beer

Who think it’s funny: Hardcore fans of the Miami Herald’s Pulitzer Prize winning humor columnist Dave Barry, who daily mourn his retirement.

8. Rules of the Road

Who thinks its funny: Veteran road warriors/anyone whose ever shaken their head and muttered “Idiot” while watching a newly-licensed 16 year-old barrel balls-to-the-wall down the right hand lane.

9. Smith Family Update

Who think it’s funny: Regular recipients of those smarmy “family brag sheets” often sent at Christmas time that describe in excruciating detail the epic achievements of a family who probably spends Saturday evenings listening to Lake Woebegone together.

10. 01011011

Who think it’s funny: Your office tech support guy/Windows Vista users/The kid you ridiculed mercilessly in high school who is now worth more than the gross national product of many small countries.

Satnavs and Car Insurance

2009-04-22T01:47:00.000-07:00

The Trouble with Satnavs: Could your in-car navigation system be more likely to cause you a car insurance claim than a stress-free journey?

Since the release of satellite navigation systems a few years back, they have frequently been surrounded by stories of innocent (or stupid, depending on which way you look at it) folks cruising up one-way streets or meeting peril face to face at two o’clock in the morning. Strangely, 2009 seems to have seen another sudden increase in reports of satnav problems, leading to motoring.co.uk to publish a survey of British motorists and any issues they may have had with the devices.

So, do satnavs really increase the need for a car insurance claim? One of the most famous recent instances of over-zealous satnav trust occurred with the case of Robert Jones (as reported in The Telegraph last month). Whilst driving on the West Yorkshire Moors, his satellite navigation system instructed him to take what looked like a shortcut, but actually led him towards a cliff edge. Luckily, he managed to escape the near-doomed vehicle as it teetered at the top of the drop in Tolmorden – and if he didn’t need to make a claim on his car insurance he was extremely lucky. His life insurance policy was also close to paying out!

Here are some of the photos from the accident:

Surprisingly, it is not only inexperienced drivers who fall foul to having too much faith in these innocuous devices. Lorry drivers and cab drivers seem to more frequently be finding themselves in similar situations. One such truck driver, Steven Ablett, met a slightly more humorous problem when he persisted to enter an extremely narrow lane, despite the warning signs the led up to it. After realizing that he was stuck in between the high walls either side, he then found it impossible to reverse due to the poor weather conditions and had to sleep in the cab until the following day – subsequently missing his son’s 18th birthday celebrations.

The survey carried out by motoring.co.uk led to some interesting statistics. More than half the people asked (56 percent) admitted that something had gone wrong with their satnav, yet those who lived in the North East of England were less likely to have an issue – which I suppose may be something to do with those driving in the area being more used to unpredictable roads.

Similarly, of men and women asked, 30 percent of men admitted to being led to completely the wrong destination, such as a field. Whilst women, despite stereotypically being worse with gadgets, were more likely to follow their instincts against the will of the satnav – and only 20 percent admitted any problems.

The survey also showed that the majority of satnav owners had shouted at their machine, and even had prolonged conversations with it!

Funny Car Insurance Claims

2009-03-26T02:09:00.000-07:00

A collection of funny car insurance claims from around the world. Some of these are are so funny!

Funny Car Insurance Claims

More funny car insurance claims.....

The claimant had collided with a cow. The questions and answers on the claim form were - Q: What warning was given by you? A: Horn. Q: What warning was given by the other party? A: Moo.

"Going to work at 7am this morning I drove out of my drive straight into a bus. The bus was 5 minutes early."

"I was driving along when I saw two kangaroos copulating in the middle of the road causing me to ejaculate through the sun roof."

"The accident happened because I had one eye on the lorry in front, one eye on the pedestrian and the other on the car behind."

"I started to slow down but the traffic was more stationary than I thought."

"I pulled into a lay-by with smoke coming from under the hood. I realised the car was on fire so took my dog and smothered it with a blanket."

"I started to turn and it was at this point I noticed a camel and an elephant tethered at the verge. This distraction caused me to lose concentration and hit a bollard."

"On approach to the traffic lights the car in front suddenly broke."

"I was going at about 70 or 80 mph when my girlfriend on the pillion reached over and grabbed my testicles so I lost control."

"I didn't think the speed limit applied after midnight"

"I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk."

Q: Do you engage in motorcycling, hunting or any other pastimes of a hazardous nature? A: "I Watch the Lottery Show and listen to Terry Wogan."

"First car stopped suddenly, second car hit first car and a haggis ran into the rear of second car."

"Windscreen broken. Cause unknown. Probably Voodoo."

"The car in front hit the pedestrian but he got up so I hit him again"

"I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment."

"The other car collided with mine without giving warning of its intention."

"I collided with a stationary truck coming the other way"

"A truck backed through my windshield into my wife's face"

"A pedestrian hit me and went under my car"

"In an attempt to kill a fly, I drove into a telephone pole."

"I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up obscuring my vision and I did not see the other car."

"I was on my way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident."

"An invisible car came out of nowhere, struck my car and vanished."

"I was thrown from the car as it left the road. I was later found in a ditch by some stray cows."

"Coming home I drove into the wrong house and collided with a tree I don't have."

"I thought my window was down, but I found it was up when I put my head through it."

"The guy was all over the road. I had to swerve a number of times before I hit him."

"I had been driving for forty years when I fell asleep at the wheel and had an accident."

"As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before."

"To avoid hitting the bumper of the car in front I struck a pedestrian."

"My car was legally parked as it backed into another vehicle."

"I told the police that I was not injured, but on removing my hat found that I had a fractured skull."

"I was sure the old fellow would never make it to the other side of the road when I struck him."

"The pedestrian had no idea which way to run as I ran over him."

"I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car."

"The indirect cause of the accident was a little guy in a small car with a big mouth."

"The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end."

"The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear end showing. "

"I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way."

"I was backing my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before."

"When I saw I could not avoid a collision I stepped on the gas and crashed into the other car."

"The accident happened when the right front door of a car came round the corner without giving a signal."

"No one was to blame for the accident but it would never have happened if the other driver had been alert."

"I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries."

"The pedestrian ran for the pavement, but I got him."

"I saw her look at me twice. She appeared to be making slow progress when we met on impact."

"The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle."

"My car got hit by a submarine." (The Navy informed the wife of a submariner that the craft was due in port. She drove to the base to meet her husband and parked at the end of the slip where the sub was to berth. An inexperienced ensign was conning the sub and it rammed the end of the slip, breaking a section away, causing her car to fall into the water. The Navy paid the compensation claim.) (Thanks Jay Kuivinen)

Jasper Carrott Funnies...

The English comedian Jasper Carrott has used funny car insurance claims in his stand-up act for a long time, including some featured above. Here are a few more...

"I bumped into a lamp-post which was obscured by human beings."

"The accident was caused by me waving to the man I hit last week."

"I knocked over a man; he admitted it was his fault for he had been knocked down before."

"A house hit my car." (A house was being moved by a large truck. My friend had his car parked on the side of the road correctly. The house began to tilt off the truck and eventually fell off the truck, landing on my friend's car. He eventually had the insurance paid, after lengthy explanation and the moving company confirming the story.)

Got any other funny car insurance claims? If so, please add it by commenting

Car Insurance Incentives

2009-03-12T04:21:00.000-07:00

In the UK, the credit crunch seems to be having an intriguing affect on car insurance companies. In a bid to appeal to cash strapped customers, it seems that each company is offering an incentive to be sure that their own policies are the ones we go for, and cash back offers are the current trend. But are car insurance incentives really as good as they sound?

Cash back is a simple method to tempt customers, and it seems that the majority of car insurance companies (as well as some general insurance companies) are using the tactic, with the most recent being Tesco, who offer £50 to all club card holders, whilst Halifax go further offering £50 initially, following with another £50 payment every year you renew.

Of course, some such cash back offers have been met with sneers of derision from finance commentators, newspapers, and other insurers alike – warning that such incentives may well confuse customers into taking out policies which may well have been cheaper with a competitor in the long run. Simply, many are arguing that the very mention of cash back is another factor to add into the equation of working out the price, whilst taking in the basic cost, and then considering such frills as a courtesy car or breakdown cover – for it is these latter factors that differ so greatly in price between insurers.

Additionally, others are warning that customers must be careful to ensure that their cash back is included if you proceed to buy through comparison sites, as well as direct – or even if you have to do so over the phone. Similarly, there are also insurers who stipulate that you must activate the payment yourself, in the hope that you forget the offer after a few months.

Thinking about the trend in the context of price comparison websites, one can’t help but wonder whether insurers have begun such incentives specifically in order to hinder the efficiency of such sites. Following another recent, but less publicized, trend in which insurers have begun incorporating their own comparison sections on their sites to increase user traffic (and subsequently conversions), this notion doesn’t seem so far-fetched. And one wonders how far these incentives will go over the next year as insurance companies compete with each other tooth to tooth. One also hopes that too many customers aren’t duped by callous companies offering great deals and perks, but masking other essential charges.

Auto Mechanics at Risk for Asbestos Cancer

2009-03-10T03:37:00.000-07:00

Asbestos is a naturally occurring mineral that has been used for decades by the automotive industry. It is mainly used in the manufacturing of brake pads and linings, clutch facings, and gaskets. Many people are under the mistaken impression that asbestos has been completely banned from use but the truth is that millions of these products still remain on vehicles in use today.

This poses a severe exposure risk to auto mechanics as the inhalation of asbestos dust can lead to serious illnesses like asbestosis, lung cancer and mesothelioma. Pleural mesothelioma is an aggressive and painful cancer that forms in the lining of the lungs.

Exposure occurs when asbestos-containing materials are disturbed or damaged. When this happens, dust filled with microscopic asbestos fibers is released into the air. As there is continual abrasion on brake pads and clutches, a large portion of the toxic material is trapped inside the brake housing or clutch space, and is then released when replacement or repair work is performed. Airborne asbestos fibers are easily inhaled and can even be ingested. Ingesting asbestos is the only known cause of peritoneal mesothelioma.

Symptoms usually do not show up until 15 to 25 years after exposure and the cancer is usually in advanced stages by the time it is diagnosed. As a result, mesothelioma doctors often find it difficult to treat the cancer effectively. It is estimated that since 1940 more than six million mechanics have been exposed to asbestos in brakes. Those exposures are now resulting in about 580 asbestos-related cancer deaths a year. Deaths caused by exposure to asbestos brake products had been originally been expected to peak around the year 2012, however, because asbestos is still used in some brake products being sold today, it could mean the deaths will continue to climb.

The Environmental Protection Agency (EPA) has issued a detailed brochure that offers information regarding OSHA's regulations for commercial automotive shops concerning asbestos.

Traditional Vs Pay-As-You-Go Car Insurance

2009-03-02T04:07:00.000-08:00

With the rise of price comparison websites and combined trend of the general public to research far more thoroughly before they commit to a policy, the car insurance industry is undergoing a time of tough competition. Additionally, drivers today are also offered the option of pay-as-you-go or pay-as-you-drive auto insurance. So what are the pros and cons of this variation compared to your traditional insurance policy?

Pay-as-you-go car insurance essentially covers you and your vehicle for exactly the times you drive. It takes into account whether you drive at peak or off-peak times and what type of road you drive on; and you pay in relation to when, where, and how long you drive over a monthly period. This has been heralded as a great option, specifically, for younger drivers who are in the more expensive insurance bracket, but who drive infrequently in comparison to the average – and at off-peak times.

However, it must be acknowledged that in order for your insurance company to record exactly when and where you are driving, you must at first have your vehicle installed with a device, not dissimilar to a GPS system, that can track the position and speed of your car and send back the information to your insurance company. Often, but not always, these are available at an additional cost.

The most positive aspect of pay-as-you-go car insurance is the accuracy by which it records your journeys. For instance, if you spend the majority of the month driving at 70mph on the dual carriageway only at weekends – you are then not charged for the increased risk of driving in a 30 zone during the working week. This is then an incentive to keep aware of the money you might be spending on a journey by journey basis, and may mean that you use your vehicle less to make those small trips to the local shop.

Despite this, the pay-as-you-go option may certainly suit some drivers over others. For example, more mature drivers may already be receiving unbeatably low premiums, and for others it simply may not be convenient to drive away from ‘high-risk’ roads at off peak times. There are other benefits frmo having the device installed, however, such as making your car easier to track should it be stolen. Yet, some drivers may not like the idea that their insurance company are also aware of your driving habits right down to how often you break the speed limit, and should you need to make a claim, this information might not work in your favour.

Glow In Dark Car

2009-02-27T03:23:00.000-08:00

Check out this for a cool car mod...glow in the dark paint job...Nice! I wonder what you put down on your car insurance extras for this type of cool car modification.

For more cool cars, check out coolcarsandgirls.com

Top 5 Motoring Days Out in the UK

2009-02-24T07:00:00.000-08:00

There is more to motoring than just driving to and from work and renewing your car insurance. England has a proud motoring heritage and therefore boasts one of the most comprehensive ranges of interesting motor experiences that are great for days out with friends and family. Here are my top five:

5. Military Tank Driving
Ask yourself the following: is your Renault Clio still exciting you? Aren’t you sick of the lack of turning circle that your Volvo estate can manage?

Well then, why not try a day out driving an actual 15 tonne tank?! Also included in this thrilling day out in Surrey are such activities as quad biking, 4x4ing, and even a bacon sandwich when you arrive in the morning.

Visit Action Days Out for Tank Driving

4. Beaulieu
Beaulieu is situated in the heart of the New Forest in Southern England.

Alongside the abbey and the James Bond museum, it is also home to the National Motor Museum which features a replica 1930s garage, an exhibition of Ducati motorbikes, and a ride that takes you on a journey from the birth of the wheel, and on into the future of motoring.

Visit the Beaulieu website

3. Coventry Transport Museum
Similarly, Coventry Transport Museum boasts a huge collection including over 200 cars, commercial vehicles and buses. Exhibitions change frequently with the focus currently being on custom bikes, including those owned by Charley Boorman.

In March, the museum will be hosting a Doctor Who exhibition.

Visit the Coventry Transport Museum website

2. Superdriver Experience
This experience gives the wannabe 4x4 driver the opportunity to let rip in a variety of vehicles over a huge terrain that has been purpose-built. You need your wits about you as you navigate through mud splashes, down vertical drops, and into huge craters.

There is also an award ceremony at the end of the day and the skills you learn are said to stay with you for the rest of your life.

1. Supercar Driving Experience

A day out driving supercars is a truly special experience. Try out such beautiful machines as the Lamborghini, Ferrari, and Aston Martin at high speed round the lap. Later, take the passenger seat with a professional who will really push the vehicle to its limit!

Cheap Car Insurance Tips

2008-12-15T09:12:00.000-08:00

Tips on finding the best cheap car insurance quotes - Do you feel like you are paying too much for car insurance? Here is a list of items that will give you insight as to how insurance companies rate policies.

1. The type of car you drive can cost you more money.
This probably isn’t a secret because we all know it costs more to replace a Mercedes than a Kia. People often fail to keep this in mind when shopping for cars, however. Contact your agent PRIOR to looking for that next luxury car so there is no sticker shock when you get the new insurance quote.

2. Having multiple vehicles on a policy can offer you discounts.
Especially if you have more vehicles than drivers on a policy because you can only drive one car at a time.

3. Having multiple types of insurance with a single provider can also save you money.
Talk to your agent about consolidating your homeowners or renters policy into one plan.

4. Make sure you aren’t paying for double coverage.
For example if you have an Auto Club membership such as AAA, make sure you do not have a similar type of plan on your insurance policy that covers towing or road side assistance. When we checked, we realized that my wife was not only covered by our AAA Membership, but also her Honda Extended Warranty, AND we were paying our insurance company for this. Later, we were offered free road side assistance from our Credit Union that we do our business banking with, so we have even more coverage and don’t have to pay for it.

5. If you can afford to pay your insurance annually or semi-annually, this can save you the monthly service fees.
Don’t worry about if you don’t think you will stay with the carrier, or move out of state. As soon as you cancel (in writing), you will be refunded the difference in what you have paid and what is left on the policy.

6. Always get multiple quotes for your car insurance.
It won’t cost you any money, but it can save you hundreds per year.

7. Check your comprehensive coverage.
This is coverage for things such as theft, vandalism, natural disasters, etc. and is usually not required, but it is often recommended. Look at what you are paying and what is covered to determine if it makes sense. Also, if you are driving a “budget-beater” that is of little value, this money might better be used to save towards a down payment on a newer car.

8. Look into raising your deductibles.
The lower your deductible is, the higher your insurance will be. Discuss the options with your agent, but most of all, make sure you feel that you are being educated as to how the different amounts really affect you. Make sure you are comfortable with higher deductibles, as you will pay less up front, but more out of pocket in the event of an incident. One question to ask yourself is how much would you pay out of pocket before filing a claim, knowing that your premium could (and most likely would) increase. Most people don’t think about that, and opt for lower deductibles thinking they are better covered.

9. Know your coverage limits.
Most states set minimum standards for liability coverage such as $15,000 per person, $30,000 per incident, and $10,000 for property damage. On your policy this would be written as 15/30/10. While having the state minimums will cost you the least in terms of your policy, make sure you know what this means and you are comfortable with it. For example, years ago I totaled my car when I ran into the back of a truck. The truck sustained $500 worth of damage and I got to experience an air bag first hand. This is when I really began to understand what insurance coverage was all about. In the words of my agent, “be glad you didn’t total a Mercedes… you would have been sued for the difference.” What I learned was that I was liable for the difference in what I was covered for and the damage I did. I now carry $50,000 in property damage coverage as opposed to my states minimum of $10,000.

10. Install a theft-tracking device such as LoJack.
Some companies offer reduced rate for having this because the likelihood of recovering the vehicle in the event of a theft is much higher.

11. Be a safe driver.
The better your driving record is, the lower your premiums will be due to the perceived risks from a driver with a history of speeding tickets or accidents.

How to have fun with a monster truck

2008-12-12T04:49:00.000-08:00

Ever sat in a traffic jam and fantasised about flying? I have…just soaring above the road and towards my destination whilst leaving my heap of steel by the wayside. This is why it’s probably a terrible idea for me to ever own a monster truck. Apart from the fact that I could never afford the car insurance I really don’t think that I would be able to trust myself to behave sensibly…the temptation of rumbling away over the tightly packed bonnets that stretch out in front of me at road works/ London’s rush hour/ motorway holiday runs would be too much to bear. Hearing sunroofs crack and tyres burst would -I imagine - be somewhat like popping bubble wrap…quite effortless and somehow satisfying but with more of a point to it.

I’m not crazy, although I know a few of you reading this might have already assumed that I am - I can assure you otherwise. Who hasn’t ever watched a monster truck rally without exclaiming something along the lines of “ooh I wonder what it would be like to drive one of those”? Well I have wondered too but just in more depth.

Say for instance, that you could have a monster truck so big that you could lay down in its tyre tread without being squashed. Imagine the fun you could have careering over sand dunes and fields, through rivers and lakes or up mountains! Alright I admit that It might not be extremely environmentally friendly (please don’t throw verbal eggs at me) but it also might be the most fun that you could ever have on four wheels so in my opinion…totally worth it as long as you watch out for the cows.

I’d take mine to the airport and use it to jump over small planes, like a horse taking on logs in a gymkhana. After that I’d go fishing at my local lake without even having to get out of my car. If I didn’t catch anything I will surely have picked something up on the bottom of my wheels, although any fish might be a bit mangled by that point. Fish cake anyone?

Of course you could also use a monster truck to ride over your enemies in (an idea from a colleague). I don’t know how that would work in practice but it sure sounds good in theory. All I would need was some enemies and a convincing demeanour; “Seriously guys just wait here for two seconds, I’ll be back shortly. Oh and if you could just lie down in a row that would be really helpful. See you in a minute!” No, somehow I don’t think that would quite work.

Back to reality and you would never really be able to get away with any of this stuff. These days there are so many police and CCTV you can hardly blow your nose never mind go cow hopping in the fields. What I really need, what I REALLY want, is an invisible monster truck!

Vauxhall Flextreme

2008-12-03T07:48:00.000-08:00

A CAR of the future has won one of the most important design awards for Vauxhall, hinting that the innovative concept will become a reality in some form eventually.

Vauxhall's Flextreme concept uses a combination of electric power and a diesel engine and has a body design like that of no other vehicle.

There are rear-hinged to enable easy access to the interior, a large transparent roof and twin tailgate doors that open from the side and swing upward.

The car uses the same electric vehicle technology system recently showcased in the Chevrolet Volt, which is also a GM concept car.

An electric motor, powered by a lithium-ion battery, drives the Flextreme for up to 55km on electric-drive-only and a 1.3 turbo-diesel engine operates as a range extender and also drives an electric generator when the battery's energy has been exhausted.

The Flextreme has been awarded the international red dot design award in Singapore, which is acknowledged to be the most renowned design prize in the world and is awarded to the best design concept 'that has the power to improve our world in the future'.

The Flextreme was conceived at General Motors' European Design Centre and was first seen at the 2007 Frankfurt Motor Show.

It was created by a team led by GM's European design director Mark Adams, who style philosophy was first brought to market this year with the Vauxhall Insignia.

Last year's winner was another GM model, the Saab Aero X concept car.

Bizarre Car Accidents

2008-11-11T04:41:00.000-08:00

A collection of car accident pictures that are difficult to understand how they exactly happened.

Car Insurance During The Credit Crunch

2008-11-03T07:39:00.000-08:00

As petrol gradually starts to go down in price after what seemed like an unstoppable rise, The Telegraph has recently reported that Car insurance has increased by an average of £50 per premium over the last year. So how can the average driver be sure that they are receiving the best rate they can get?

When it comes to buying auto insurance, drivers often underestimate the amount they can save by making small but significant changes. For example, your premium could be up to 10 per cent cheaper depending on where you park you vehicle. Before you buy, it may well be worth clearing out the garage as the increased security can save you money on your quotes. Even a small change such as being sure to keep your car on your drive instead of on the street can make a difference too.

Aesthetic qualities may seem desirable when it comes to owning a car, but of course these can push up premiums as well. Convertibles are a prime example, firstly because they are less secure, less safe in an accident and tend to have a bigger engine. Subsequently, the smaller the car’s CC the cheaper the premium is likely to be. Whilst adorning your vehicle with flash hub-caps and gold-leaf magic tree probably won’t do you any favours either.

How you buy is also important. The Telegraph also identifies the importance of buying online to lessen prices of premiums but even the job you do can have a dramatic difference. A friend of mine experienced a significant price difference when was taken on as a sound engineer intern for a production company. His premium was almost ten per cent cheaper if he regarded himself as a sound-man as opposed to an intern.

For people with more than one vehicle, it is also wise to keep just one car limited for social, domestic and pleasure, and to use the other (cheaper) ride for work as well to cut down costs. This planning will lessen the risk of an accident for the more expensive vehicle and the insurance companies take this into account.

To some it may seem like common sense, but to bear in mind these few small aspects can dramatically reduce your car insurance quotes. And it has never seemed like a better time to be as sensible when spending money in this area.

Buy cheap car insurance with a range of options and cover policies from Post Office® by visitng http://www.postoffice.co.uk

Lamborghini Garage

2008-10-23T08:05:00.000-07:00

The ultimate garage for sports car lovers, especially those that love Lamborghini's!

I wonder what the car insurance would be like on these beauties!

Perhaps a used Lamborghini instead? Check out free classifieds from Americanlisted.

Ferrari Car Crash Pictures

2008-10-23T02:02:00.000-07:00

When a Ferrari has a car crash, it is usually pretty nasty as these pictures show!

Expensive Car Crash Pictures

2008-10-23T01:43:00.000-07:00

13 amazing pictures of Lamborghini write-off's. These super cars cost more than most peoples houses and the car insurance alone can be more than some peoples wages a year!

Video Collection of expensive Car Crashes

Eco Friendly Cars

2008-10-22T06:18:00.000-07:00

Eco friendly cars are all the rage at the moment. With climate change a massive problem, these little beauties could save the day! Here are some cool concept cars that we could be driving in a decade from now, when hopefully gas-guzzlers are a thing of the past and our robotic butlers will have to plug our cars into the mains overnight.

The Aptera
A car that gets 230 miles per gallon? Cool! The vision of Steve Fambro, who wanted to create a car that was safe, comfortable, and more fuel-efficient than anything ever produced, the Aptera (from Greek for ‘flight without wings’) draws much of its design from aircraft and aerodynamics. it seats two, has three wheels, and its first operating protype achieved an amazing 230 miles per gallon.

Car Specification

Top Speed of 85mph
2 to 4 hours to charge - it’ll cost about $2 to charge it overnight
You must be 6 ft 5 or under in height so this car aint no good for most basketball players!
Room for a childs seat
Only available in white
Cost: under $30k.
the aptera typ-1 is now available for reservations (only in california for now), and will start production in late 2008.

NMG
NMG stands for no more gas! These cool electric cars are smaller than smart cars and use no gasoline at all. They are really small - you can fit four of them into one parking space
It only seats one but a cool car for driving to work..unless you car share!

Charge it for eight hours and you’ll get about 30 miles of driving, which is more than the average driver does in a day, plus you can drive it in the car pool lane, and park it in a motorcycle space between two cars. With gas hitting record highs every day and its consumption contributing so heavily to global warming, surely the nmg is a no-brainer?

Oil companies are holding back information about electric cars for obvious reasons...so spread this around...electric cars are cool!

Honda Puyo
This little bubble car is another futuristic concept that threatens to blow gas guzzlers out of the water - or at least off our streets.

The word ‘puyo’ is Japanese onomatopoeia for the sensation of touching the vehicle’s soft body.
The car itself was designed to bring together clean, safe and fun functionality in a minimalist, environmentally-friendly way.

On the outside it’s a seamless, curvy box that’s supposed to remind you of a favorite pet.
It has a soft gel body and is luminescent to reflect the vehicle’s state of being, thereby promoting a more intimate relationship between car and owner

The interior is designed to be people-friendly. driving is controlled by a joystick, the control panels rise up when the vehicle starts, and the roof is transparent.

Nissan Pivo 2
Talk about a cute cool concept car. This eco friendly electric urban car has a built-in robotic interface and rotates 360 degrees on its axis.

By getting rid of traditional mechanical linkages like shafts and hydraulic cylinders and using drive by wire electrical technology instead, it’s infinitely more flexible than most cars we’re
used to.

What's cool about this car is unlike most eco cars, it fits 3 people! I can see this car going places!

The Magnet Car
This car overcomes the force of gravity through the strategic use of an electric engine…and magnets. Winner of the unseen technology award at the interior motives design awards 2007, the mag magnetic vehicle concept (designed by matúš procháczka) finds an unusual
solution to the problem of, expending fuel to get somewhere.

Rather than finding a different fuel source, or building a smaller car, procháczka ingeniously reduces the weight of the car by using an electric engine with magnets the same polarity as the roads. the resulting upward force lightens the vehicle’s weight by 50%. another innovative touch is the desing of the seats: two outer layers, pile yarn, and a soft construction foam make it possible to adjust the final hardness and spring characteristics of the seat. this lightweight, adaptable seating not only cuts down on waste during construction and the overall weight of the vehicle while being driven, it also sounds pretty darn comfy.

Here comes the obvious disadvantage - in order for the magnetic engine to properly polarize, the roads on which it’s driven also have to be magnetized, which of course there aren't any...yet!

Solar Rickshaw
The new solar powered rickshaw by Solarlab makes rickshaw's cool, bringing them into the 21st century.

75% of the total power needed to drive the vehicle will come from the photovoltaic solar generator on the roof, while the remaining 25% will be provided by the driver’s own pedal power.

With the addition of solar power, you don’t have have to be a superhero on steroids to drive yourself around. The modular design of the rickshaw makes it easy to convert to load-bearing
vehicles required for inner city logistics, and supply chain requirements. in other words, not only can you cart yourself around, you can also add in a couple of tourists, and all their
groceries too.

Launching next year, solarlab hopes to reduce CO2 emissions in london by up to 2 tons per rickshaw.

From prehistoric transportation, to the transportation of the future: making transportation eco-friendly is closer to the past then we think. then again, there’s always walking.
This is a guest post courtesy of been seen, a great site that ‘approaches travel from a creative and visually artistic point of view’.

Amphibious Cars

2008-10-22T06:16:00.000-07:00

A collection of the cool amphibious cars. Amphibious cars have been around for many decades. In fact, the American inventor Oliver Evans built the first self-propelled amphibious vehicle as early as 1805. His design consisted of a wooden hull fitted with a steam engine and wheels. But it wasn’t until well into the twentieth century that amphibian vehicles found their use, mainly for military applications.

These include the Aquada from the British company Gibbs Technologies, capable of 160 kilometres per hour (100 mph) on land and 55 kilometres per hour (30 mph) in water. A car insurance quote on an Aquada these would be very interesting!

The Aquada is the fastest amphibian vehicle ever built, equipped with HSA (High Speed Amphibian) technology from the British company Gibbs Technologies (in production since 2003). On the road, the Aquada handles like a sports car, capable of a maximum speed of 160 kilometres per hour (100 mph). The vehicle is equipped with a mid-mounted V6 petrol engine, which drives the rear wheels. Here are some pictures of the Aquda in action:

Here is a video of the Aquada in action

If you want to go under water then the Rinspeed is for you!

Here are some more cool amphibious cars.

Cool Police Cars

2008-10-22T06:13:00.000-07:00

A collection of the fastest and coolest police cars from around the world. Ever wondered what happens to your money when you get a speeding ticket? They splash out on cars like these, that's what they do!

Lamborghini Gallardo Police Car
From the country that has the world’s greatest concentration of supercar manufacturers comes the world’s fastest cop car.
Yes, the lucky Italian cops have a Lamborghini Gallardo at their disposal, a genuine police car used by the Italian Carabinieri to patrol the Salerno-Reggio Calabria highway outside Rome. Prime hunting ground indeed, because its 5.0-litre V10 will grant it 193mph flat out and a tarmac-ruining 0-60mph time of around four seconds. But it isn’t just a patrol car for chasing wrung-out Fiats, Alfa Romeos and the occasional Ferrari.
The Police-liveried Gallardo also doubles as a super-fast response car, with the ability to be the first on the scene of a serious accident. It carries life saving medical equipment such as a defibrillator to revive car crash victims, and is used as a high-speed shuttle to transport organs between hospitals. Best of all is that with four-wheel-drive sending all 500 horses into the road, the Gallardo patrol car can be used all year round in all weathers.

Ferrari 250 GT Police Car

Believe anything Hollywood says and you’ll already be thinking all the cool coppers drive around in Ferraris – they certainly do in Magnum, Miami Vice and Bad Boys 2. But back in the ‘60s the Italian police drove one for real.

The lucky driver’s name was Marshal Armando Spatafora, something of a legend in Rome it seems, and his car was a 250 GTE. Together, they patrolled the streets of Rome for nearly a decade, hunting down serious criminals in the kind of heroic chases Hollywood directors would kill for.
For its day, the car was seriously quick, with a 240bhp engine that could sling-shot it speedily round the tight Roman streets. As you’d expect, no car of the day stood a chance, especially as the GTE shared its roots with the 250 GTO, one of Ferrari’s finest supercars and racers. The 250 GTE was also the first mass-produced four-seat Ferrari, so there was actually a bit of space to stick any arrestees. But it looked so damn cool you’d probably want to commit some crime just to see it in action. These days it's as rare as a straight politician but the actual car used still survives in a museum of police cars in Rome.

Porsche 911 TechArt Police Car
Next time you’re tearing along the Autobhan and forget to slow down for a restricted area, just be aware that the German police have a fleet of Porsche 911s at their disposal, the granddaddy of them all being this TechArt-enhanced 911 Carrera S.

And you really don’t want to mess with it. The 3.8-litre engine has been tuned by TechArt to give 367bhp – that’s enough to get it to 60mph in 4.7 seconds and on to a 186mph max – or in other words, unless you’re in a supercar and you’re slightly unhinged, you don’t stand a chance. Nice work if you can get it…

More Cool Police Cars from around the World
Here are some more cool police cars from around the world.

Finally, obviously not real this picture but the Bugatti Veyron would be worth joining the police for!

I just wonder what the car insurance is like on these police cars!

Personally, if I wanted to be a Policeman or woman, I would move to Germany by the looks of these cool cars! High Speed pursuits just wouldn't be the same again. Worlds wildest police cases but be closed down!