Car Insurance and Additional drivers

Car insurance providers allow you to add drivers to your car insurance policy as and when you need to. This can affect the price of your car insurance so it is worth finding out about the cost before going ahead with changes.

Additional drivers and Insurance premiums

If you add an additional driver to your car insurance you’ll be asked to provide information about that person such as their date of birth and information on any car insurance claims they may have made in the last five years. You’ll also have to declare if they have any convictions that are unspent or pending.

The cost of adding an additional driver to your car insurance will depend on this information. Though it is rare, premiums can occasionally go down after additional drivers are added!

However if your son or daughter is learning to drive and you decide to include them on your vehicle’s car insurance, you should expect a significant increase in the cost of your car insurance. Most car insurance providers will allow you to insure someone who only has a provisional licence but the change in price can be dramatic. In fact, according to The Independent newspaper, adding your son or daughter to your car insurance policy can raise premiums by nearly 300 per cent.1

It’s not just the price of your car insurance premium that you need to consider. Car insurance providers often issue a charge for making alterations to your car insurance midway through your policy. Most UK car insurance providers allow you to view their car insurance policy documents online so you can look into their extra charges before selecting a car insurance policy.

Most car insurance companies issue a reasonable charge of about twenty pounds. This isn’t designed to act as a deterrent but is intended to cover the administrative costs involved in making changes and sending your amended car insurance documents. Cheap car insurance providers may levy a more significant charge so it is worth checking with your car insurance provider before making a change.

Having weighed up the costs you may decide to insure your son or daughter on a different vehicle. Many car insurance providers accept drivers as young as seventeen and as old as ninety-nine however special conditions may apply depending on the age of the additional driver. For instance, some car insurance policies don’t allow anyone under eighteen to pay their car insurance by instalments or younger drivers may have to pay a higher excess.

Car insurance can be costly, especially when you need to insure young inexperienced drivers, but a reliable car insurance policy that offers extensive cover is well worth investing in.

Company Profile:

John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include home, life, pet, travel, wedding, event and car insurance quotes.

For more information about John Lewis Car Insurance please visit the website here – www.johnlewis-insurance.com/homepage/car-insurance.html.

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Tips for Buying a Used Car

Top Tips For Purchasing A Second Hand Car As with everything in life, buying a second hand car can be a difficult experience and is full of potential risks for the buyer. Some people find problems with their purchases just weeks or months after buying them, and it is always advised to keep your eyes peeled for issues and problems that could occur.

Used car buying tips

To help people purchase a second hand car smoothly we have come up with some top tips to research and look out for when entering the market for used cars:

• Check the seller – The first thing to do before even contemplating signing on the dotted line is to ensure that the seller is legitimate. Remember that using dealers can be slightly more expensive, but at least then your risks are minimised. Similarly, make sure that you are able to visit the car at either the business premises or the seller’s home before parting with your well-earned cash.

• Test drive the car – Probably the number one thing to remember – and don’t do it half-heartedly. If you’re going to take it for a spin – which you should – test it out, work it on a mixture of slow and fast roads and keep your ears open for any vibrations and noises along the way.

• Check vehicle clocking – Any tampering of the mileage is of course illegal, and by removing 10,000 miles a seller could be increasing the value of his or her vehicle considerably. Try to be vigilant against this and have a look at the dashboard to see if the screws are worn or how old it looks. The best way to check that there hasn’t been any tampering is to get a copy of all the documents.

• Examine the paper work – While this will show the mileage over the years, it’s also imperative to check any paper work so that it hasn’t been tampered with. Every car should have a full history and you will be able to see that the MOT, tax and V5 are all in order. Similarly, check that the chassis and registration numbers match those stated alongside that there is a match for both the address and name of the seller.

• Be a good buyer – As much as you need to know that the seller is legitimate, they need to know that you are the right person to sell to. Be on time for viewings, make sure that you make a decision in a timely fashion and be prompt in taking the car away if you do decide that you want to purchase the second hand car. During this current global economic crisis, it can make prudent financial sense to look towards second hand motors when looking to solve your driving issues. Many people have only good things to say about this market, but some people have been stung by it before. Always use a recommended dealer to make sure that everything is done above board.

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Dubai International Motor Show

The Dubai International Motor Show was a five-day extravaganza for some of the world’s best-known automotive brands, showcasing regional and global premiers. Luxury brands included Infiniti, Audi, Bentley, BMW, Lexus, Mercedes-Benz, Peugeot and Volvo.

Dubai International Motor Show

The biennial event saw many deals generated for automotive manufacturers in the luxury and supercar ranges, with many reporting positive responses in leads and sales. Owing to the popularity for high-range vehicles in Dubai and the UAE, the show attracted major car manufacturers, tuners and related companies to sign deals and pursue partnerships.

Among the main crowd attractions were 9 global launches and more than 50 regional premiers, of which the Infiniti 2012 FX and G25 were prominent. A spokesman from the luxury car company reported over 1000 serious enquiries at the Nissan Infiniti platform, and hinted at another successful return in 2013. Visitors were also attracted to the innovative concept cars on show from Audi, BMW, Chevrolet, Maserati and Toyota.

Over 100 000 visitors were said to have stopped in at the grand Dubai International Convention and Exhibition Centre in the central business district, where 150 companies showcased vehicles from over 30 countries worldwide. In addition to the vehicles on display, there were interactive features including the Nissan Live Action Track and a Fastest Tyre Change contest on a replica F1 racing car, sponsored by Infiniti.

Predicted to be the largest in the 22-year history of the event, the 2011 motor show exceeded expectations when key exhibitors reported record sales, of which supercar and high-end luxury cars featured prominently. A spokesman from the venue commented that the strength of the show confirmed the importance of the UAE to the automotive world and is as a key location for the unveiling of innovative concept cars.

The show was held from 10 to the 14 November, and officially opened by H.H. Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum.

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2012 Chevrolet Captiva 7 seater

As famous Chevrolets go there are quite a few. Do Bel-Air, Camaro or Corvette ring any bells? However the most famous Chevrolet this side of the pond is the not very exciting.. the Lacetti, thanks to its starring role as the reasonably priced car on Top Gear. Chevrolet’s lack of fame here is predominantly due to them selling rebranded Daewoos that in truth are not very good. As a result Chevvy have not really solidified their brand image in Britain. But it might not be long until they do, as 2012’s new range of cars looks rather good, in particular the new Captiva, an unashamedly American SUV.

2012 Chevrolet Captiva 7 Seater

Let’s start with something that Chevrolet have always got right, as hinted at by Top Gear, their cars are most certainly reasonably priced. The new Captiva starts at £21,995 which for a hulking great SUV is astonishing, especially compared to its rivals. Land Rovers Freelander 2 starts at over 22k, Audi’s Q5 at 28k and BMW’s X3 at an eye watering 31k. Many people will argue of course that the Chevvy is cheap because, well, it is cheap. This might have been true in the past but Chevrolet has pulled out all the stops to try and build the Captiva out of better quality and more durable materials than before. Engine wise the Captiva’s moved up in the world too. It features an all-new 2.2 litre turbo diesel unit which is both more powerful and more efficient than the ones in the last generation. The new engine comes in 2 states of tune; the base FWD Captiva LS getting a 163bhp version while the 4WD models get 184bhp. Both engines get almighty slugs of torque 350 and 400Nm respectively (perfect for towing) and will return more than 40mpg in the process. Every model also gets the choice of either a 6 speed manual or automatic transmission, perfect for motorway cruising. So far the new car is shaping up to be rather good and I haven’t even got to the best bits yet.

For your not very costly outlay, the Captiva comes packed with extras, so many in fact that it’s almost pointless ticking anything on the options list. The base LS model comes with 17” alloys, air-con, 6 speaker stereo system with steering wheel controls, MP3 jack, a whole bunch of airbags and countless storage bins for all your families accumulated junk. Although as previously mentioned it is only FWD. However, if its versatility and practicality you’re after, the best model to go for is the (still excellent value) LT at £27,695. For that price you get all the LS’s equipment plus, a rather handy 4WD system, 7 incredibly versatile seats, climate control, trip computer and part leather interior. A rather good feature of this aforementioned seven seat car is that 6 of them can be folded flat in order to create an absolutely humongous load capacity, brilliant if you have a penchant for buying second hand surfboards.

Previous UK Chevrolets lacked any visual impact whatsoever; the same cannot be said for the new Captiva. It is big and quite definitely American in every single way. Now usually being American is not always a good thing but I think it works to the Captiva’s advantage. The big imposing grill, chiselled muscular edges and forward leaning stance all give the car real presence. The Captiva is the car equivalent of what happens if an American footballer was to walk into your local and order a Budweiser. His charm and bravado will repel some but undoubtedly attract many more, because underneath the good looks and athletic ability is actually a rather charming, friendly person. The new Captiva captures this aspect of America and Americans that previous Chevvy’s failed to and it is likely to win it a few fans. Sure its European competition might be beautifully engineered, designed and built but in the process they have all become a bit clinical, dull and in truth not very fun. The Captiva has avoided this, it’s big, versatile, charming and ready to take on the world, just like an American should be.

It might be clichéd to say but there is no denying that transporting your family in a high riding 4WD makes you feel at ease. And what better way to transport them, than in a car which has room for the grandparents, a bunch of bikes, enough torque to tow your house and good enough mpg to mean you don’t get to know the person at the petrol station by name. Not to mention leave you enough money in the first place to actually go on holiday to America. You could do a lot worse than get a new Captiva, especially with the chance of another artic winter on the way. Go and have a look, you might just be surprised.

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Toyota FT-86 and Subaru BRZ

In this deep dark time of austerity, where street lights are switched off at night and bins are only collected every second millennium because no one has any money, merger between two companies makes financial sense. No more so than in the motoring world, were the increasing cost of driving is making it impossible for manufactures to shift any of their new cars. Combining forces and ultimately assets, to work on joint projects in order to make an extra bit of cash is a jolly good idea. The latest company or should I say companies to join the likes of Fiat, Chrysler, Nissan, Renault and the whole of the VW Audi group in a joint project is Toyota and Subaru with the long awaited FT-86 and BRZ concepts.

Toyota FT-86

Toyota and Subaru in recent years have had a pretty dismal track record when it comes to exciting new cars. Toyota killed off the MR2, Celica and Supra, opting instead to produce stuff like the clever but utterly lacklustre Prius and totally un-urban Urban Cruiser. Subaru also seemed keen to kill off any macho reputation they once had, by turning the Impreza from burbling rally legend into an awful hatchback to try and take on the might of the Focus and Golf. So I think it goes without saying that the motoring world gave a collective sigh of relief when it became clear that the fruits of the Toyota/Subaru partnership would be a sports car, not a hum drum eco box.

So on to the sparse but very intriguing details. The Toyota FT-86 and Subaru BRZ will essentially be the same car in different states of tune with differing badges and wheels to distinguish between the two. More is known about the Toyota thanks to the link on their website, and its appearance in the Gran Turismo 5 Playstation game. The engine is a Subaru developed boxer unit mated to a six speed manual sending power to the back wheels through a limited slip differential (good start in my opinion). All the oily bits will be set as low and as close to the middle of the car as possible, so it should be quite an agile and well balanced little coupe. It will develop roughly 200bhp and weigh not much more than a postage stamp, adding to the speculation that it should be quite handy when confronted with a nice piece of tarmac. In terms of cost the Toyota will be the cheaper of the two sister cars at around 20k, not bad value for what sounds like an awesome little package. The Subaru BRZ is the more elusive of the two cars, all that’s known is it will cost a little bit more, probably 25k and for that money it is likely to come with a horsepower figure closer to 300bhp. However one thing that is certain is that there will be no fabled Subaru 4WD system, like the Toyota it too will be RWD.

Both cars get there official release at the Tokyo Motor show in November, so we don’t have long to wait to see what the production versions of both cars will look like. However, we can presume the Toyota won’t change much from the FT-86 concept. It has a classic coupe profile, long, low nose rising to a higher wide rear. A wide air intake and what look like gills with running lights at the front combined with flared arches make it look particularly aggressive.  At the rear twin exhausts, boot spoiler and a rear diffuser help set the car off.

The world awaits the official release of both the Toyota and Subaru, however based on what we can see of the Toyota and read about both cars I think they will go some way to resurrecting both companies rather bland brand image of late. It is also superb that in a time of little money and avid environmentalists two companies can come together, disregard current ideologies and build a fun, good looking, petrol powered, manual, RWD sports car. Well done “Tobaru”!

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Mobile Phones and Driving

You should not use your mobile phone whilst driving your car, as this reduces your concentration levels and can increase the likelihood of an accident. Car insurance may protect you financially against an accident, but if the accident is your fault because you were using your phone – then your claim may not be valid.

Using a Mobile Phone whilst Driving

Injury, damage to your car or accidental third party liability are usually covered by your car insurance policy, however if the accident occurs whilst you are talking on the phone, you may find that your car insurance claim is not valid.

If you are caught talking on your phone, you will be issued with a fixed penalty fine, and this fine can rise to up to £1,000 if the driver contests it. You will also get three penalty points on your license. Points on your license mean that your car insurance provider may increase your car insurance premium, as you are viewed as a potential risk on the road. For your own safety, and for cheaper car insurance, you should therefore avoid using or talking on your mobile phone whilst driving.

The British Medical Journal found that car drivers are four times more likely to have an accident if they are using their mobile phones whilst driving.1 Hands-free equipment does not make driving more safe either, as drivers can still be distracted and at risk of an accident. The Government Department for Transport reports that driver’s reaction times are 50% slower if they are using a phone whilst driving.2

Talking on the phone whilst driving is dangerous, but texting or reading messages on your phone is also very dangerous. As you write a message, you will take your eyes away from the road for several seconds – this is more than enough time for another vehicle to change position unexpectedly or for an obstacle to appear and create a collision.

You should be aware that it is also illegal to use your mobile even if you’ve stopped at traffic lights, if you are stuck in a traffic jam or you are in a car park. According to the law these events still constitute the legal definition of ‘driving on the road’, and you are therefore not allowed to use or talk on your phone.

You should never talk on your mobile whilst driving, and if you know someone is driving you should not call or contact them. Car insurance is designed to protect you financially in case of an accident, but it’s best to do everything you can to avoid an accident in the first place.

[1] – www.dailymail.co.uk/news/article-355502/Car-phone-users-times-likely-crash.html

[2] – think.direct.gov.uk/mobile-phones.html

Company Profile:

John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include pet, life, travel, wedding, event, car and household insurance products.

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