If you are buying a new car then you most likely need to switch your insurance over on to it. If you are trading your current car in part exchange or if you are selling it after then you may need to have both cars insured for a period. Most insurance companies will give you 24 hours cover on both to give you plenty of time to collect the new one whilst still being insured on the old one.
When swapping insurance, firstly call your current provider and check what the cost would be to swap. There may be an additional premium to pay and possibly an admin fee too. Once you have a price go online and obtain a quote from a comparison company to see what others may offer you. I often find a price for a few hundred pounds less than your current provider. If you are going to swap insurers check what the cancellation fee is going to be as often this can be in excess of £75 which can make it worth while paying a little extra and staying with your current insurer. Be sure to also check the level of cover you are being offered with the new company is the same as with your current one and that the excess is not a lot more than you would have had to pay.
Wheels alignment is very important but not everyone knows that or even knows that it is something you can have done. When your car is made in the factory the wheels are set up to be aligned exactly with each other meaning that it steers as it should and does not cause any issues with the tyres. Over time the wheels can be unaligned or if you hit a pot hole or a curb for example you may knock the alignment out. You may notice this by the fact that your car is pulling to the right or left when you drive it or a vibration through the steering wheel.
Most car garages can check and alter the alignment for you for less than £30 but if left out of alignment you may find that you end up having to fork out a lot more. The ill alignment or tracking as it is also known can cause uneven tyre wear, often on the inside of the tyre meaning that you may not even realise until you take the car to the garage. If this happens the chances are you will also have to fork out for a pair of new tyres. Getting your tracking done once every 12 months or if you have recently had a bump to the wheel can save money in the long run and can avoid unnecessary problems with your tyres.
Hormann sectional garage doors
Sectional garage door consists of separate sections, rather than one panel, which allows smooth and smooth operation, especially when using the electric garage door opener. Since the parts are all pivotally connected, the door can slide through a solid curve before finally settling in a horizontal position parallel to the floor of the garage. Thanks to its design and mechanism, it can solve a lot of common problems that arise in the garage door. Keep Reading →
When it comes to selling cars, many of us simply do not know the real value of our cars. Often people think that because they paid a high price for their car that they should be able to sell if for a high price, but this is simply not the case. The car is only worth as much as people are willing to pay for it. There are many factors that affect the value of a car and the price can vary drastically even between vehicle of the same make and model. Some of the main factors that will affect the resale value are; mileage, age, condition, service history, MOT remaining and any other repairs that may need doing.
If you take your car to a garage to trade in, they will often give you less than the market value (also known as part exchange value), unless you are buying a new car or a high value vehicle where there is more profit in the sale. Your car may be able to be sold for a lot more privately but you will need to decide if you have the time to do so. You may also have to pay for advertising, so consider this when making your decision.
Brake pads and discs are checked during an MOT and you can expect to have to replace your discs every 40 – 50 thousand miles and you discs every 60-70 thousand miles on average. Although pads and discs are not a huge expensive a full set all round will often cost a few hundred pounds plus and therefore the longer you can keep your brakes maintained the better.
Although your front brake discs are used a lot more than your rear brakes, you may find that the rear ones have to be replaced more often and this is usually due to corrosion. Discs and pads are made from cast iron which is an ideal material to use but the down side is it rusts. The front brakes can quickly wear off any rust that has accumulated by normal braking on a journey whereas the back ones may not be used for a while and therefore the rust just builds up. This can cause pitting on the brake discs and can weaken them meaning they will need to be replaced. Sometimes with a bit of heavy braking, you can remove some of the rust off the discs but if it has built up too much for example, if it has been sat for a long time or over driven short distances, then you will have to fork out for a new set.
With many of us relying on our cars day to day to get us to and from work or to do the school drop off, being without a vehicle for a few days can be a bit of a nightmare. If you need work doing on your car then you may have the option to use a mobile mechanic. Mobile mechanics will usually come to your home or place of work and carry out repairs there allowing them to work on your vehicle when you have no need for it.
When using a mobile mechanic it is important to check them out first by either getting reviews online or by speaking to people who have dealt with them in the past. Some mechanics may even offer to pick your car up for you and drop it off once they have completed the repair. This again can be a great way of getting work done. You may end up paying a little more for the work than you would if you took it in to a garage, but it is often less disruptive. Always be sure that the person working on your car is capable and that if they are going to be driving your vehicle, they have the right insurance to do so.
If you have not got break down cover either through your insurance company, through your bank or direct through one of the break down companies, then you are taking a bit of a risk every time you drive your car. With breakdown cover costing as little as £5 – £10 per month, it really won’t break the bank but can save you a fortune in recovery costs.
There are often different packages available when taking out break down such as road side assistance, home start and nation wide recovery. It is important to understand exactly what cover you want and to check that the package offers that before committing. As with all policies you do get 14 days to cancel should you make a mistake.
Many breakdown policies that are offered as free through your bank account etc only offer minimal cover so you may wish to upgrade or take out additional cover anyway.
If you often drive other cars or are a passenger in another vehicle then you may want to take out cover that covers you and not just the one car you are driving for further peace of mind.
When it comes to the time to get a new car, you have a choice as to whether to buy new or used. New cars always come with a manufacturer’s warranty which is often three years but can be as much as seven years or 100,000 miles (currently Kia offer this warranty). This can give you hassle free motoring and although the warranty will not cover everything such as tyres and general wear and tear, it can mean if anything big goes wrong, you don’t have to fork out the thousands of pounds to fix it. Buying a used car always carries more risk than buying a new one as you often will have a short or possibly even no warranty. If you are buying a car off a private buyer you often have little come back as it is a private sale. It is worth remembering though that even for private seller used cars you are still covered by a general sales of goods act so if you can prove that a car was bought and was not fit for purpose you may be able to take them to a small claims court. Some companies offer used car checks and will go out even to a private sale and give the car a once over before you agree the sale. It is also strongly recommended that you carry out a HPI check to see information such as if the car has ever been recorded as stolen, written off, outstanding and finance.
If your car is more than three years old, an annual MOT check is a legal requirement to ensure it’s roadworthy. On average many garages charge between £35 and £45 for an MOT test but legally garages and MOT test centres are allowed to charge a maximum of £54.85 for the test.
Although many of us dread an MOT it can be a lifesaving test by picking up on faults with the vehicle that may be or may become unsafe in the very near future. It is illegal to drive a car with no MOT unless driving it to / from an MOT test station. Driving with no MOT will also invalidate your insurance.
There are ways in which you can try and give your car the best chance of passing.
Check your tyres are not only correctly inflated but also free from damage and have plenty of tread left on them. Check that all tyres have a tread depth of at least 1.6mm right the way around and across the central three-quarters of the pattern. A quick way to check is to insert a 20p piece into one of the tread grooves. If the outer edge of the coin is completely obscured then the tread depth is sufficient.
MOT time can be stressful, often you are not aware of all the work that may be required on your vehicle until it comes to the MOT and make be left with a huge bill in order to get the car road worthy and to pass the MOT.
Although MOT guidelines are very strict and all garages are told to adhere to the same standards, some garages are more lenient and others are stricter. If you worry that a garage is failing items on the MOT that should not of failed then you can take it to another garage to get them to check it for you, or make a complaint through the .gov website stating what the car has failed on and why you believe it is incorrect.
You do need to have a certain amount of trust in a garage to be able to take your car to them for an MOT. If you are worried that the garage may add extra faults so they get more work out of the job then you could take it to a place that does just MOT’s and no repair work as there is no advantage to them failing the car. The only issue with this is you will not have time to be able to shop around for quotes if you need the car back on the road so be sure to do your MOT early.