CAR INSURANCE! COULD TELEMATICS BE THE RIGHT CHOICE?

Telematics motor insurance could save careful motorists a small fortune – particularly those who fall into a high-risk group such as newly qualified/young. But why? Traditionally, premiums have been based on factors such as age, experience, job title, address, etc. But these only tell part of the story. Imagine, for example, twin brothers that live in the same house. Both passed their tests on the same day – they have identical cars – and they both flip burgers in the same fast-food restaurant. However, the older twin is careful behind the wheel whereas his sibling is far too aggressive. The younger brother is therefore more likely to crash but their premiums have been identical as (on paper) they pose the same risk. That would not be the case if they switched to telematics motor insurance. This cover – which is also known as pay-how-you-drive and black box insurance – would ensure their premiums are based on their driving styles via black boxes within their cars. These devices – which are about the size of a deck of cards – could be concealed (say) under their bonnets. They would then record factors such as acceleration ferocity and corning/brake force that alongside the traditional elements would set their premiums. The sensible brother would therefore pay less than his sibling.
Benefits of Telematics Motor Insurance
Telematics motor insurance is available via various companies so the benefits vary considerably. Best read the small print, then. Some policies, for example, enable insurers to reduce the monthly premiums at specified points. Others offer non-monetary incentives such as free mileage allowance increases. There are other benefits too. For example, the black boxes contain GPS systems so stolen vehicles can be traced – and warning stickers to this effect minimise the risk of theft. Some boxes even help the emergency services locate vehicles after accidents which could save lives. Motorists can also receive feedback on their driving that could make them safer behind the wheel. This, in turn, could reduce their premiums further. But there are disadvantages too. Policy holders must be careful who they select as named drivers as the black boxes cannot identify who is driving. As such, responsible main drivers might be looking forward to being rewarded by their insurers but these would not be forthcoming if the named drivers have been less conscientious. Plus, of course, there are no guarantees that telematics motor cover will be cheaper long term than more traditional alternatives.

How to avoid buying a “clocked” car

Motorists are paying thousands of pounds more for cars that have had their mileages illegally turned back, HPI and CAP have reported.
The “clocking” process – based on reductions of 60,000 miles -increases the value of an average car such as a hatchback by up to 42%, and other models such as the VW Golf by 47%. Extraordinarily 4×4 prices increase by an average of 30% and Land Rover’s Discovery’s are increased by 37%. The cost of the average people carrier can rise by 50% and sports cars rocket 40%. The most sought after models in these two classes – such as the VW Sharan and Alfa Romeo Spider Convertible can rise by up to 60% and 47% respectively. The ” Clocking” process ultimately has implications for the average motorist and for motor traders that unwittingly sell clocked cars. CAP’s examples include:

30,000mls 60,000mls 90,000mls
Manufacturer Model. £. £. £
VW GOLF HATCHBACK (2009 – 2012). £9,125 £7,475 £6,225

FORD FOCUS HATCHBACK (2008 – 2011) £6,075 £4,975 £4,150

HONDA CIVIC HATCHBACK (2009 – 2011) £7,150 £5,850 £4,875

FORD MONDEO SALOON (2007 – 2010) £6,650 £5,450 £4,550

VAUXHALL INSIGNIA SALOON (2009 —-) £8,250 £6,750. £5,650

VW PASSAT SALOON (2005 – 2010) £7,475 £6,120. £5,125

SAAB 9-5 EST SPECIAL EDITIONS (2007 – 2010) £5,350 £4,225 £3,400

VOLVO V70 ESTATE (2007 —-) £16,100 £13,200. £11,050

BMW 5 SERIES TOURING (2010 —-) £18,400 £15,600. £13,500

ALFA ROMEO SPIDER CONVERTIBLE (07 – 2010). £13,000 £10,650. £8,925

MAZDA MX-5 CONVERTIBLE (2009 —-) £8,800 £7,175 £6,025

AUDI TT ROADSTER (2007 —-) £14,700 £12,900 £11,600

RANGE ROVER SPORT DIESEL ESTATE (2009 –). £29,600 £26,050. £23,350

VOLVO XC60 DIESEL ESTATE (2008 –) £17,300 £15,250. £13,650

DISCOVERY 4 DIESEL SW (2009 –) £29,150 £24,750 £21,350

VW SHARAN DIESEL ESTATE (2000 – 2010) £11,200 £8,850 £7,075

FORD GALAXY DIESEL ESTATE (2010 —-) £12,050 £9,850 £8,225

SEAT ALHAMBRA DIESEL ESTATE (2000 – 2010) £9,375 £7,675 £6,400

So how do you spot a car that’s been clocked?

Of course the only way to guarantee the mileage on a car is to buy new. There are ways to minimise the risk on the second-hand market. The first thing would be to cross reference the mileages shown on all of the previous MOT certificates along with any service history/invoices.
If the certificates are not available then you can access the information online at: www.gov.uk/check-mot-history-vehicle. If, for example, the MOT mileage on April1st 2013 is 70,000 then a service stamp two days later at 75,000 miles is a red flag and you should walk away from any deal for it. If there is a lack of paperwork then can also be a concern too as you have nothing to cross reference. Another thing to bear in mind is that service history can be faked so a good idea would be to contact the garage that (according to the service book) maintained the vehicle. They should be able to confirm that service book matches the information they hold for the vehicle.
Another way is to find comparisons. Why you may ask?
A Ford Focus that has covered 10,000 miles should feel a lot better in comparison to a high mileage car. So you should test more that one to ensure that you are familiar with the range. One vitally important way is to buy a history/mileage check from a company such as HPI: www.hpicheck.com as they will hold information such as mileage, any accidents such as, has the car been involved in a major accident and repaired. If you notice any discrepancies in this information from what you physically see on the odometer in the car then walk away and inform the relevant authority!

In essence take care when buying a used car and ensure that you go through all of the steps to ensure that you don’t get conned by unscrupulous dealers or indeed individuals who are looking to add value to a high mileage vehicle.

This car has been vandalised by a large bird

Went over to the West End today to valet this car. When I got there there was a ridiculous amount of bird droppings on and around the car, as you will see from the pictures. Check out the ground to the left of the front of the car.
After cleaning the car I moved it from under the tree, hopefully it won’t get the same treatment again!

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Ford Ka, valeted today in Glasgow’s West End

For car valets in Glasgow
Car valet in Milngavie
Car valet in Bearsden
Car valet in bishopbriggs
Car valet in Springburn
Car valet in Glasgow south side
Car valet in Glasgow West End

Do you live in any of the above areas, then why not get in touch to book your car in for a valet?
This is only some of the areas that I cover. Glasgow and surrounding areas are all covered

This is a car that I valeted in the West End today

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Fathers Day Special Offer

I have put together a special Father’s Day offer
So why not buy your Dad an alternative gift for Fathers Day!

The offer includes the following

Bodywork pre-treatment spray
Luxurious hand wash/wax
Alloy wheels treated and cleaned
High pressure rinse
Door checks cleaned
All door panels cleaned
Ash trays emptied and cleaned
Interior windows polished
Exterior windows polished
Chamois dry
Interior mats, carpets and boot vacuumed
Dash cleaned/dressed
Apply air freshener
Tyres dressed
Tar removal
Polish using Autoglym wax

ONLY £40.00

Get in touch to take advantage of this offer

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Cars valeted in Kirkintilloch today

So spent this morning in Kirkintilloch valeting a couple of cars, one for a new customer.
First of all there was this Volvo, valeted just in time for the owner getting married

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Next was this Citroen C3 valeted for my new customer

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