Car Masters

With most new cars and often used cars if you use the right car dealership, you will be offered a warranty when making your purchase. This warranty usually covers all repairs to your car for about a year and is a guarantee that you are buying a quality product in good faith. An extended warranty will help you cover costs of repairs after the manufacturer warranty has expired.

If you’re buying a second hand car, likelihood is, you will not be eligible for a makers guarantee. The dealer may undertake several months of repairs once the vehicle has left the forecourt, but an extended guarantee in this instance is a great idea.

Assuming you’ve bought a well looked after and well kept used vehicle, not much should go awry with it. However, the chance of a 2nd hand car needing repairs or upkeep is too great to obviate buying extended guarantee. Ask anyone who’s bought used and needed repairs a couple of months down the road, it can be a pricey process and will undo the savings you made buying second hand.

If you can find a reputable and reasonable insurer, your monthly payments should be small enough that the peace of mind is worth it. This is especially important if you do not have the funds to cover large repairs or cannot afford to go for any period of time without a reliable vehicle.

There are over 20,000 breakdowns on the M1 only every year! Of all breakdowns that are registered by the RAC, nearly 70,000 are due to engine failure, 60,000 due to alternator failure and 50,000 by clutch failure. These are basic failures for old cars, so if you’ve purchased a used car, mull over on these numbers and think about extended guarantee. In the long-term paying a monthly or yearly fee could save you a lot of cash. More significantly it will save you a lot of trouble.

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When buying car insurance there are three different policy options to choose from, and selecting the right policy for you is one of the most important facets of this process.

The cheapest policies on offer are 3rd party, this really is the minimum legal requirement to drive a car and just covers damage you inflict to a 3rd party. Third party fire and theft (TPFT) covers your vehicle if it is stolen or set on fire as well as damage to a 3rd party.

Fully comprehensive covers fire and theft, but in addition it will cover you against injuries to other people and damage to other peoples’ property, also you are covered for accidental damage and it should include any individual items you might have inside your car.

There are, however, different types of fully comprehensive cover and not all providers will provide you with the same items of cover, for example, some companies will offer a courtesy vehicle if yours happens to be off the road, some will require you to incorporate that into your plan. European cover, legal costs and windscreen cover are also available with some policies. These will bump up the cost if you require them.

A like for like comparison is how to choose your provider and remember, the cheapest deal may not always be ideal for your personal needs.

Although called fully comprehensive, the cover won’t apply to every single form of damage. For example flood damage and riot damage are not covered, which may well have caught some people out during the summer riots in London.

No insurance covers general wear and tear; the cost of those repairs must be paid for from your own pocket. It is also be worth checking if you are covered to drive other peoples’ cars. The other vehicle could need to be privately owned and of course you’d need the actual owner’s permission. With the damage that is covered there are limits on what the insurance firm pays out for although this ought to be detailed in your contract.

The number one way to get really comprehensive cover, or at least to know what your policy does or doesn’t cover, is to go through the small print thoroughly. Ensure you ask for what you need, and be very clear about what that is when asking for quotes.

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Driving is so much a part of our lives that the idea of not doing this simply just doesn’t cross our minds. Apart that is from when we have had a drink then we all know that our mental faculties are too impaired to permit us to drive. Yet, when our mental faculties are impaired because we are exhausted, sick, taking prescription drugs or simply just just growing older the majority of us don’t believe that we should stop driving until such time as we recuperate. This is despite the fact doing this might lead to us having a really serious crash.

Driving whilst too exhausted to be safe is something that virtually everyone has done. This is especially dangerous 20% of all car accidents in the united kingdom occur when exhausted people try to drive. It doesn’t matter how short or familiar the journey is do not drive when fatigued. If you are blinking more than normal that is a good sign that you are too tired to drive safely. No matter how fresh you are when you set out on a long journey remember to take regular breaks to ensure you do not become too exhausted during the journey. Stopping every 2 hours or so is recommended.

If you are taking prescription drugs of any kind check the instructions, if they say do not operate heavy machinery or drive whilst taking this medication don’t drive whilst taking it. Even some cold and flu medications can cause drowsiness; if any medication makes you feel drowsy do not be driving.

There are many illnesses which can impair your ability to drive, these include epilepsy, some heart diseases, some mental illnesses like manic depression and diseases that impact on your ability to move freely such as MS or severe arthritis. Most of the time your doctor will advice you if they feel that that you should consider not driving whilst sick. Yet, even if they do not specifically mention it is wise for you to raise the topic it is better to be safe rather than sorry.

It can be tempting to neglect these things and keep on driving, but when your condition results in your erratic driving causing a serious car accident not only will your insurance policy not take care of any damage you will probably find yourself in trouble with the law. Considering that you could lose your life or worse yet take that of another person in an accident driving a vehicle if you are not safe to do so is generally not really worth the risk.

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There are several benefits to buying a used auto-mobile, the most obvious being price. However, you still need to be careful if you want to be sure to get a bargain.

What the new car dealer will not tell you is that as soon as you drive a brand new car off their car lot, the value goes down because it is now viewed as a used vehicle. In the initial couple of years of owning a brand-new auto-mobile, its value will decrease by about 30%.

That’s not to say you won’t get a great deal from a new car dealership, but for an even better deal, head to a used car lot or search your local classifieds for a well maintained car or truck that won’t blow your bank balance.

If you’re buying from a used vehicle dealer, the likelihood is that every vehicle within the lot has been checked, repaired and maintained so that it is in top working order. If you know what you need to spend, stick to this price and ask the dealer to find for you the best fit. Your dealership could provide you a guarantee or a time period wherein, in the event that vehicle breaks down within a certain time after purchase, you’re able to take it back for repairs or trade. Remember, when buying a used vehicle privately, this won’t be an option.

Buying used from a reputable dealer usually mean you can guarantee a car’s reliability but try if you can to ask a car savvy friend to join you when visiting a private sale.

Looking for a used car with just one previous and careful owner is wise. Keep an eye on mileage and discuss past accidents. Look at wheels to ensure they don’t have to be replaced in the very near future and ask for a test drive so that you can look out for any mechanical difficulties.

Ensure you ask about the vehicle s latest MOT. As a general rule do not buy a vehicle with less than 3 months to run on its MOT.

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In most cases when a car is written off, it means it is too expensive to repair and that the cost of repairing it is higher than buying a similar vehicle. However, it can also mean that the car would still be unsafe to drive after repairs have been carried out.

If you are dealing with insurance companies after a car accident, they might have a % of the car’s worth that they will meet before they declare your car written off. This % amount depends on who your insurer is but the average is around 60%. Ask your insurer what their write off point is.

If your car is considered written off by the insurer, they will give you an agreed pay out, this might be quite a lot less than your car is worth.

If your car is declared as a write off it is well worth consulting a mechanic and seeing if you can get the car repaired privately. If you like your car and have enough money to get it repaired this may be your best option. However, if a car will not be safe to drive once repaired scrapping it is the only permitted option.

You are still legally allowed to drive a car that has been written off by an insurance company, but safety first please people. If it’s a case of nostalgia, it pays to play safe and have the car assessed.

Practically and damage can be repaired. However, if the chassis is bent it may not be safe to drive. It will look fine and work, but be unstable when cornering etc. Be very careful and consult an experienced mechanic. A second opinion is a good idea in most cases.

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Normally when something goes wrong with a car, exactly what it is that causes the problem is related to the make and model of car. Each model of car has its own particular typical problems. This is a generalisation, but it is mostly true at least until the car has over 100,000 miles on the clock or is over 5 years old. The only big exceptions are those cars that have been driven too hard or are kept and used in a particularly inclement climate.

The biggest reason for breakdowns is a faulty battery. A rusted or dirty terminal is frequently to blame, or a old battery that is not charging properly. The second biggest reason for having to call out the breakdown services is lost keys. Human error rather than a car related flaw.

Another major cause of breakdowns are flat and damaged tires, so keep an eye on your treads and do not let them get too worn down. Of course, we don’t need to add that when you are parking be careful not to hit the curb, this can cause wheel and rim damage than might go unseen until your tire goes on the motorway.

Alternator problems, belts breaking, damage to the distributor cap, broken clutch cables and neglected spark plus are also notorious reasons that drivers end up broken down on the side of the road.

Some makes of car perform better than others and have done for years. If you want a reliable car with very few inbuilt problems, buy one of these brands. Once you have decided which model you are interested in check the web for details of common problems with that particular make and model.

If you are buying a 2nd hand car known issues with that particular make and model are the ones that you need to carry out special checks for. Look at the service history and find out what parts have already been replaced and repaired on the car you are buying. If you are lucky the common problems will have already been put right.

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If you live in the UK, you don’t need us to point out that petrol is extremely expensive. Although not the priciest place to buy petrol – that accolade goes to Belgium and Norway – the UK is in the top 10 for countries with the highest priced gas.

So where do we need to move to be get the cheapest deal on petrol? Well your first guess is probably somewhere like Saudi Arabia since that’s where the oil is they produce around 20% of the world’s oil.

The petrol in Saudi Arabia is incredibly cheap, especially when compared to what we Brits pay, but it isn’t the cheapest. Rolling in to the number one spot is Caracas, the capital of Venezuela where petrol costs just 0.02 a litre.

Saudi Arabia is not far behind Caracas Venezuela, petrol prices in Riyadh, the capital hover around 0.08 a litre and are likely to remain as cheap for as long as Saudi Arabia dominates the world’s oil production.

In third place for countries with cheap petrol is Tripoli in Libya. Tripoli is the largest city in Libya and it is home to most of the country’s population. In Tripoli, you normally only pay about 0.09 a litre although the recent unrest means that you currently pay far more, but prices are falling rapidly and will soon be back to normal Libyan levels. Libya also produces a lot of oil, usually 41 billion barrels each year. Egypt, Bahrain, Kuwait and Oman also usually have cheap petrol, but unrest in some the area has meant that petrol prices fluctuate in these countries far more than they used to.

Norway is consistently an expensive place to own and drive a car. Petrol is always expensive, currently it costs an eye watering 1.64 per litre. Plus there is an additional carbon tax of around 0.10 per litre. However, Norwegians love their cars, so just pay whatever they need to. Even 4 x 4s are popular there because of the weather means that without one you cannot easily get around..

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There are a few different ways for can keep the cost of car or truck insurance as low as possible. You need to be prepared to shop around. Depending on your age, sex and where you live, there is a company offering cheap insurance for you. Some companies will guarantee you the lowest quote provided you fit their exact criteria. For example some companies only insure female drivers and others only insure drivers over 35.

The type of car you drive has the biggest impact on how much insurance you have to pay. The Association of British Insurers defines each insurance category for each kind of car. Cars with smaller engines have cheaper insurance options than those with larger engines and purchase costs such as a Ferrari!

Securing your vehicle will bring down the cost of insurance. Having an alarm or immobiliser fitted in your car should make your car insurance cheaper. Ask your chosen insurer what their policy is and whether there are approved alarms that they prefer.

Used cars are cheaper to insure, though again it depends on the make of your car and the engine power.

Being prepared to pay a voluntary excess can also bring down the cost of your insurance. If you have an accident or need to claim insurance for some reason, being contracted to pay a higher excess can mean that your yearly or monthly insurance payments are less.

If you are a young driver, it can be costly to insure a car. Taking the Pass Plus course will mean that some insurers offer a discount on their usual policies for young drivers.

If you can pay your insurance in one lump sum instead of monthly payments, this should take a few pounds off the yearly insurance costs.

Limit your vehicle’s use to domestic, social or pleasure and you keep your costs down. Using a vehicle for business costs you a lot more in insurance

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If you want to sell a car that has been damaged it is possible. Naturally you do not have many places where you can sell it. You will get far less money for your car than you would if you were selling a similar vehicle that is not damaged.

Most scrap yards will take a damaged car and scrap it for you. However, you will get much for it if you sell it this way.

There are now car dealerships that specialise in buying damaged cars. They employ specialist mechanics who can repair cars quickly and efficiently and have access to a vast array of second hand or used parts. They transform damaged cars into cars that can be kept on the road and sold again. You will not get as much money as you would if you sold your car in good condition, but you will get far more money for it than if you had scrapped it.

If time is not a problem you could advertise your car as ‘for parts only’ in your local paper or in car magazines. Someone who has a similar vehicle may buy it. You could also break your car down and sell it piece by piece, but getting rid of those parts you cannot sell can prove difficult and costly, so this approach is often not practical.

If you try to sell your damaged car yourself bear in mind the time and hassle involved. You have to show potential buyers the car and when many potential buyers are actually faced with a damaged car they are often put off and do not buy, so you can waste a lot of time trying to sell a damaged car.

The offers for your car will definitely depend on the damage the vehicle has sustained. If you are concerned about making back what you think the car is worth, shop around. Contact a few local dealers and do your research, check out other damaged cars for sale and choose a similar asking price.

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There are many benefits to buying a used car, the most obvious being price.

Many people realise that when they buy a new car the moment they drive it off of the forecourt it drops in value. However, many people do not realise that it plummets in value in some cases the value drops as much as 20 per cent. If you are planning to keep the car for many years this is not a big concern, but if you want to sell it in a few years it is a big problem.

That’s not to say you won’t get a great deal from a new car dealership, but for an even better deal, head to a used car lot or search your local classifieds for a well maintained car or truck that won’t blow your bank balance.

If you are buying from a used car dealer every vehicle on the lot should have been checked repaired and be ready for you to drive away. It is against the law for them to sell you a vehicle that is not fit for purpose or that is worth less than they ask you to pay for it. Under UK law if you buy a vehicle and it breaks down within a few months car dealer, depending on the problem, has to pay to have a problem resolved.

Buying used from a reputable dealer usually mean you can guarantee a car’s reliability but try if you can to ask a car savvy friend to join you when visiting a private sale.

Looking for a used car with only one previous and careful owner, keep an eye on mileage and discuss previous accidents. Look at wheels to make sure they don’t need to be replaced in the very near future and ask for a test drive so that you can listen out for any mechanical problems.

Make sure you ask about the vehicle’s most recent MOT. Make sure that it is valid and check that it has some time to run. If it only has a month to go do a quick check of things covered by the MOT to work out if it will pass its next MOT. Checking the tyres and wipers are 2 items that are easy to check. Spotting that they are worn means you can ask for a bit of money off because you are going to have to replace them in order to get it through the MOT.

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