Category Archives: Vehicle

Driving Test Changes for 2017

L Plate

L Plate

I posted about the consultation on changes to the driving test previously but the results from that little experiment are starting to filter down. Whilst some of the things I agree with, some of them I have major issues with.

As a learner driver now, my experience is very limited, too small to be statistically relevant. I will of course update this with a new post at a later point and reference this one once I have more input.

Change Is In The Air

There are a few major changes, some are good and some appear to be minor tweaks, and one is questionable at best.

  1. An increase to the ‘independent driving’ part of the test from 10 to 20 minutes.
  2. Asking the candidates to follow directions given from a SatNav during the ‘independent driving’ part of the test.
  3. Replace the ‘reverse around a corner’ and ‘turn in the road’ manoeuvres with more real-life scenarios such as driving into and reversing out of a parking bay. Parking on the right side of the road.
  4. Ask one of the two vehicle safety questions (known as the ‘show me, tell me’ questions) while the candidate is driving, such as asking them to use the rear heated screen or use screen wash and wipers to clear the window.

The replacing the manoeuvres is a little eek, we already have the “Bay Park” which is reverse parking into a bay, on top of this they are planning on adding forward parking as well. I’m not sure this counts as real-life scenarios, but I guess its a start.

The using SatNav is a definite plus, and honestly its about time this were in there, so I guess on balance its ok. 

What’s New

Motorway Speed Light Lines

Motorway Speed Light Lines

One of the things suggested by Transport Minister Andrew Jones is actually really very good. He wants learner drivers to be able to take driving lessons on motorways before passing their driving test. Just when you think its getting good, it turns out these lessons will be voluntary. It would also be up to the driving instructor to determine when they learner driver is competent and safe to have motorway lessons. 

Currently the only way to get motorway lessons is pay for them after you have passed your test or as some new drivers do by completing the also voluntary Pass Plus or similar scheme.

Its complete madness yet again by not making them mandatory. Sooner or later you MUST use the motorway so you should be trained to use them.

High speed driving is a very different animal, during my first 4 driving lessons I never went over 31mph, and 51mph were the fastest speed I went in the 8/9 professional lessons I have had.  I went up to the next major town to me in a relatives car, and theres a NSL Dual Carriageway. Steering at 70-72mph is VERY different than lower speeds. If you’ve never gone 50+, the odds of you turning too aggressively are so high, and flipping the vehicle becomes a reality if not cracking something.

Making It More Modern

I mentioned changing the manoeuvres earlier to add forward bay parking and parking on the right side of the road. This is all well and good but its hardly scratching the surface of what’s needed. If you drove like you are trained to, and what you MUST emulate to actually pass, you would be Schrodingers Handgrenade on the road. By that I mean at any given moment someone tests your status, and its BOOM time.

The only way you get away with it while learning is because of the L Plates, and the exceptions others make for you. Excluding White Van Man who either wants to claim whiplash off you, or is too high on paint fumes to realise how much danger they are causing. If ever there were an advert for dash cams it should just be a picture of a white van in your rear view mirror.

Round About Lane Discipline

Round Abouts No Left

Round Abouts No Left

Today while I were out, one of the techniques I was taught and expected to use went wrong, horribly wrong. The round about technique is essentially if you are going left or straight ahead, you approach just left of the curb or in the curb lane. You then have to follow the curb around to the left and steer with the curb around to the exit and off. 

This works amazingly well on multi-lane round abouts, but as soon as you have a single lane, which is wide enough for 2 or more vehicles such as this one. In this google maps image, you can see a few cars have parked at the bottom.

I drew in the white line to show its wide enough, there are no lines though. What are you supposed to do, is in blue. While I followed the blue line, another car came up and followed the red line. The brown splat is where the others Christmas tree air freshener became ineffective against the load in his pants.

There is an argument the other guy shouldn’t over-take on a round about, but there also an argument that sticking to the curb is nuts in such circumstances. A more defensive road position would have solved this potential collision. I can see the point of instilling lane discipline on round abouts, but single lane round abouts need some work. There are slightly different rules for mini roundabouts, laned roundabouts, and normal roundabouts, so why not for single lane vs multiple lane ? 

Co-incidentally, the red line would be what is called “Straight lining The Round About”, it would fail your driving test, should a police officer be really kinky and enjoy the punishment of writing reports it can be an endorsable offence. While talking about this, Straightlining a mini round, as in driving over the hub, is a 3 point offence. Rule 188 prohibits it, but doesn’t expressly prohibit using a mini round about as a U-Turn location. 

3 Point Turn vs Turn In The Road

Austin Powers 3 Point Turn

Austin Powers 3 Point Turn

The 3 Point Turn has been renamed Turn In The Road some years ago, which is probably good, since its not always possible to do a 3 point. However as I understand it, you can still earn minor faults for doing more than 3 points. There are actually about 5 different ways to fail during a turn in the road manoeuvre. 

If its a 3 point turn, then call it that. The name Turn In The Road implies that as long as your observation, control and technique are on the ball then 3 or 6 should still be acceptable. There also needs to be a point where you are performing a 10 point turn, and holding 200 cars up, that you simply accept if the curbs low enough, its safe to do you, you have to mount the curb as its safer to do that.

I ended up on a new build housing estate where they hadn’t quite finished the road, the madness they hadn’t even lowered the curbs for drive ways, it were double parked and a nightmare. I hadn’t been prepared for that kind of turn, trying to use standard techniques I would have hit another car, mounted the huge 9″ curbs, or something worse.

 Reversing In General

While reversing, you’re expected to look out your rear window for about half of your time going in reverse. I can’t see much of anything out of my rear window, so I had to literally take my eyes of the road, and look into space. I may as well have been checking my phone and texting for all it helped. 

This needs to be updated, the technique for vehicles without a rear window needs to be taught and then the option given. I could see more by using my left, right, interior and checking my side (front and rear/blind spot) than I could in the rear, the rear window check made me feel like I were taking my eyes off the road.

The vehicles I have learned in have both had rear cameras, so the odd glance at that revealed a better rear view than any rear window glance ever could. While they are adding technology like SatNav usage, they should also include the usage of Parking Sensors and Rear View Camera’s. You should absolutely learn how park and reverse without using technology but you should also be taught how to use it too. 

I could go on way more, but hopefully this update is just the start and other updates are coming, more useful ones. 

 

Highway Image by Tookapic, Map Image by Google and Austin Powers image by New Line Cinema / Warner Bros.

Ex-Police Car Insurance Tips

KP10NXY Vauxhall Astra

KP10NXY Vauxhall Astra

I have had a nightmare getting insurance for my last car, I no longer have the car since Ex Police Car Specialist in Manchester who sold it me, basically sold me a lemon and were dicks about the Consumer Rights Act, more on that another time. Lesson learned, if a dealer won’t, or can’t take credit card, I’d walk away.

I’d already started writing this article, and figured it contained some useful information for others buying ex-Police cars from honest dealers. So I went ahead and posted it anyway. 

Almost ALL the main comparisons websites didn’t carry my car’s Trim and Spec (Astra Special 1.3 CDTI) hell most of them couldn’t even find my number plate (KP10 NXY).  When I visited the main dealer (Bristol Street Motors), they put my number plate in and were sure it weren’t a real car plate.

I don’t think a single one of the the big boy comparison sites got it right straight off the bat, and only Mustard.co.uk off the top my head found it at all, I think Asda were able to manually look it up.  The story were the same with most of the major direct insurance companies, only a handful actually found the car.

Average Quotes

KP10 NXY Barebones

KP10 NXY Barebones

Most my pre-purchase quotes were around £800-1000 on a provisional license, and around £1,800-2,400 on a full license. I decided given my previous experience hunting quotes that I would tweak the options a little using the many accounts I had made until I found the best combination. 

There were some outside the above range quotes, my biggest quote were around £5,000 with a £3,000 Compulsory Excess but with some fiddling and jigging, I managed to find an Excellent Deal.

Top Tip: Make a second account with a fake name, who lives nearby (same postal code range, same age, date of birth, job etc, but diff email). The reason for this is, insurance companys record EVERY quote you make. If you test the price for parked on the road, then try parked on the driveway and its cheaper.  If your car is broken into it, and it were on the road but you choose on the drive they can cry about it and refuse to cover it. Experiment with a fake account but very very similar details. Remember don’t enter your drivers license number on this accounts 😉 

Now if you have an Ex-Police Car this list will save you a heap of time as it gives you an order to work again, an save you a heap of time. 

Insurance Companies Break Down

Its set out in order of most useful down to shocking and couldn’t help at all. I’m going to have a little rant about Hastings Direct and a Kudos to the company I chose in the end, but here’s the run down. Good Luck!

Detected The Trim AND All Engine Sizes
This means they had the make, model, trim and its selection of engine sizes (1.3, 1.7, 2.0).
Admiral (and Bell, Elephant), More Than, Asda, Mustard and Tesco Bank.

Had The Trim but Not All Engine Sizes
These were unable to detect the reg plate, but manually did have the make, model, trim but usually only the 1.7 engine size, not the other two. If you have the 1.3 of the bigger engine, no point trying these.
Zurich, Liverpool Victoria, uSwitch, Go Skippy, Swinton Insurance, Co-Operative Bank, Kwik-Fit Insurance, Quote Me Happy, Swift Cover, Diamond and John Lewis.

Had Car but Unable to Quote or Didn’t Do Online Quotes.
I can’t say don’t try these, only that you need to phone them or them phone you, but were too much hassle.
TheAA and Allianz

Comparison Sites Failed Catastrophically
Confused, Compare The Market, Money Supermarket and Go Compare,

Didn’t Have The Trim FULLSTOP!
Hastings Direct, 1st Central, RAC, Direct Line, AXA, eSure, Churchill, Endsleigh, Sainsburys, Adrian Flux, Post Office, Marks and Spencer, NatWest, Prudential and Privilege.

As you can see I literally spent hours upon hours trying to find a bargain, and I found one in the end, just not the one I expected before I purchased the car. 

Hastings Direct Sucks

Hastings Direct Logo

Hastings inDirect Logo

I’m giving Hastings Direct a special mention / kick because this were the company I really wanted to go with, their Hastings Direct Premier Insurance ticked all my boxes. The key fact were I was assured that provisional drivers could earn no claims bonus with them. I were quoted around £700 as a provisional, and then up to £2,100 the day I pass the test. I would have to pro-rata this, since I intended on passing in about 6 months at the time (September 2016), my first year would cost me £1400. This £1400 would be made up from 6 months as a provisional and 6 months as a qualified driver, the break down is below for completeness.

Provisional Driver: £58.33 per month multiplied by 6 months = £350.
Qualified Driver: £175 per month multiplied by 6 months = £1050

On the same phone call I confirmed the Provisional NCB, I were told the fact the insurance couldn’t find my actual trim, but the Reg Plate returned the Exclusiv Spec, which had the correct transmission, engine size, bhp, etc I were told “We’ll be able to cover you, we’ll just need to add the ‘special’ name to your policy.”, so I worked on the basis of this being accurate and would be plain sailing.

I regrettably bought the wreck of a car, I get an estimated delivery date, all I need to do now is call to get my car insured. This is where it all went to hell. On this second call, I were told “Underwriters don’t speak to customers directly, sorry nothing we can do to help, its not something we do”, they wouldn’t even ask the underwriters or whoever themselves or pass me to someone who could.

F*#k You very much Hastings, I spent 2 weeks thinking I had it all planned and were ready to roll before you kicked the stool from under my feet.

Tesco Rocks

Ask MID (Motor Insurance Database)

Ask MID (Motor Insurance Database)

Since I kicked Hastings in the nards, I thought I would give Tesco a special mention. In the end it were them which saved the day. A provisional license holder, parking the car on the road, on a 2010 Astra Special 1.3 CDTi and the quote was a mouthwatering £540.

A whole £160 less than Hastings Direct, which I thought were a good deal.

I nearly snapped their arm off before they changed their mind, an off I went happily insured… so I thought.

The day the care were delivered, I’m sat in the gym, cooling down before a shower. I thought I’d tax the vehicle it showed me the link for Motor Insurance Database (MID) and suggested you check the insurance status before you pay. When I did this, it came up with the wrong trim. It showed Vauxhall Astra Exclusiv CDTi (see right), which meant technically my insurance were invalid. 

Tesco definitely showed the correct spec and trim searching with my number plate, and it still does right now. I checked my quote emails, and confirmation emails and they all matched up saying Astra Special. I checked my documents, and blow me if it didn’t say Exclusiv on the certificate of insurance, GRRRR. 

Tesco Insurance Correction Letter

Insurance Correction Letter

I phoned Tesco Insurance up, which has a UK Landline phone number (01332093098), the advisor on the phone checked all my quote references, and said it shows Exclusiv on their side. He checked it on MyCarCheck and it showed as Astra Special, and he checked Tesco’s customer site and agreed it said Special. So assured me now I had notified them I were fully insured until its sorted and safe to drive. I would need to send in documentary evidence of the cars specification, and the quotes saying special so they could add it to the system.

At this point I were expecting a repeat of the Hastings Fiasco and finding I had no insurance. I emailed in photo’s of the documents, the Tesco quotes, Tesco emails and everything else, and waited nearly a week before a letter arrived from Tesco.

This letter (see left) basically confirmed although the MID says Exclusiv, Tesco has added a note on their systems to ensure the correct model is insured and I’m legal. 

This is effectively what Hastings Indirect had promised they would do, so I have no idea why they couldn’t do it, but kudos to Tesco for actually sorting it out. 

The Bottom Line

If you’re buying an Ex-Police car, Tesco, Admiral (Bell/Elephant), More Than, Asda and Mustard are the top pics, given mustards best price promise, it should be a no brainer. Earlier I mentioned their lowest price promise, and as best I can find, this is provided by Adrian Flux who usually are the go to for modified cars. If I had added a DTUK or other tuning box along with a K n N air filter etc, I’d have probably tried them, so maybe worth a look.

I also found it dropped the price by about 20% by adding an experienced named driver, in my case my poor old Mother were added as a Named Driver, this dropped the insurance about £100 for me. So adding a more experience driver, may save you big money, just use one with no convictions, no accidents, no points, basically a clean license.

 

KP10NXY Car image by Cobalt271, who has a hell of a collection of service vehicle images. He also has quite a bit of information about the cars usage, due to the stream of images. If you’re considering a car which appears in his images, a polite message via Flickr may be invaluable.

Car Registration vs Number Plate Retention

V778 Retention Document

V778 Retention Document

I have seen this being asked quite often, and there is certainly a fair bit of confusion since it quite recently, well a year ago at time of writing, it all changed.

The million dollar question, I see asked is How Long Can You Keep A Personalised Registration on Retention (V778) or Certificate of Entitlement (V750) without actually assigning it to a vehicle ?

The Short Answer is, You can keep a private number plate on Retention or Entitlement for as long as you like, assuming renewals and such are kept up to date.  

Much like Domain Names, its quite common nowadays for parents, relatives and siblings to buy a domain name or reg plate for their relevant family member for future use. Its then gifted once the person passes their driving test and obtains a car of their own. 

The Fee’s

Until March 2015, the DVLA used to charge you £25 for every year you wanted to keep it on entitlement or retention documents. This all changed going forward from March 2015, when the DVLA issued Retention Document (V778) and Certificate of Entitlement (V750) documents became valid for 10 years. Beyond 10 years there are currently no fee’s to extend or renew. 

There are a few common questions asked around this question too, so threads often get “hi-jacked” from the OP (Original Posters) questions, so a few of them are below. 

My Retention or Entitlement Documents Expired

V750 Certificate of Entitlement

V750 Certificate of Entitlement

Its always best to renew your documents as soon as possible and not let them expire, but life happens. Mistakes happen, reminds get lost in the post, or we simply forget. Officially and again much like Domain Names, you lose the name or registration.

However while domains have a fixed grace period number plates current do not. 

Quite often its reported that an apologetic grovelling letter to the DVLA is often enough for them to update the records. Unlike domain names where there is often a new owner, registration plates don’t move so quickly. 

You will have to pay any back fee’s owed, which is £25 per year, since the certificate expired up until March 2015, when the fee’s were removed.

Renewing Your V750 0r V778

For the V750, you’ll get a reminder letter or email when the certificate of entitlement is about to expire. As soon as you get this document, I suggest doing it as soon as possible.

Create an Online Management Account over the DVA. You can add all your number plates to this one account, and handle renewals, details and nominee information.

You can also complete the V750 and post it with the appropriate fee, if any. 

For the V778, you nee to complete the V778 Certificate, signed by the grantee to the address listed on the document.

It can only be done via post currently.

Lost Retention or Entitlement Documents

This isn’t really a big issue any more, you do however have to write to the DVLA, emails and phone calls aren’t accepted. Simply write to them with a cover letter explaining what happened and what you need to: 

DVA Personalised Registrations
DVLA
Swansea
SA99 1DS

It will take upto 4 weeks for the new V750 or V778 to arrive.

Mistakes On Retention or Entitlement Documents

This MUST be done via Post, you can’t correct the name or address on either the V750 or V778 any other way. You need to return the incorrect V750 / V778 with a cover letter explaining what is wrong, and include relevant documents to support any change requested.

Most commonly this is misspellings or married names, it takes around 4 weeks for new documents to arrive. 

That’s All Folks

I think that covers everything you need to know about retention and entitlement docs. 

Non-Fault Accident Increases Your Insurance Premium

Firefighter Extinguish Car Fire

Firefighter Extinguish Car Fire

I have been looking in to this since one of my friends reported a no-fault accident. In their case, they have a double dash cam set up, they had a cam attached to the rear of the car, they drilled this near the reg plate and it doubles as a reverse camera to their tablet. They also have a camera facing forward, which has GPS, Lane Detection and some other gadgets, I don’t know.  

They were hit, and it were all recorded. The other person admitted it were their fault, which was also caught on the cameres complete with audio. 

Open and Shut Claim

This would seem like an open and shut claim, accident happened, video showing admission, other driver admitted fault to insurance, and it should not impact his insurance at all. This isn’t the case come renewal time, he didn’t know why, I didn’t know why, and we just assumed the insurance companies actively seek out any way they can to help themselves to your hard earned cash.

Because accident data is shared between insurance companies, you can’t simply decide you’re unhappy with Insurance A, and get a better quote from Insurance B, because both of them have penalised you and factored it into your quote. Of course shopping around will save you some pennies since most insurances hide their mystical formulas of risk which gives you some variance, so always a deal to be had, if you shop smart. 

I had forgotten about this until I saw an article in The Telegraph about the same sort of incident, so I sent it to my mate who told me, his premium dropped the following year by about £200 but were still about £200 more than before the accident. 

The AA British Insurance Premium Index keeps and eye on insurance rises, and currently shows comprehensive premiums this year are £82 more expensive than last year, Assuming last year increased the same, it could explain why his insurance increased approx £200, including IPT (Insurance Premium Tax) increases on top. 

The article in The Telegraph has some interesting quotes from Sheila’s Wheels “While a claim on the other persons insurance is outstanding, liability can still be contested.”, they continue to say “In these circumstances, and when a policy renews when there is an open claim, the premium would be temporarily increased while we wait fro the case to close.

Once its settled, the premium would be recalculated and any additional premium paid would be returned.” This means that if you’re renewal comes up before the other insurance companies pays out, even with iron-clad evidence, and an admission of guilt you’re still penalised. The fact that data is shared between insurance companies means, you’ll be penalised everywhere else too.  

My friend went on to tell me, he were never refunded anything, but says he’s going to contact his insurance and ask what the hell. I’m putting my money on his insurance company suggesting he like a long run off a short pier or something along those lines. 

Firefighter image courtesy of Pexels/Pixabay.

Risky Locations Could Increase Your Car Insurance Premium

Ghetto Area High Insurance

Ghetto Area = High Insurance

In the UK “Black Box” or “Telematics” devices are used as a way to reduce the cost of insurance for new or young drivers by tracking how they drive. Its hoped by having an “all-seeing-eye” watching how you break, corner and accelerate will make you a safer driver, and apparently its proven to improve the drivers skills. The Discounts are up to 38% and even 40%, when you consider the average new and young drivers insurance can be £2,000+, a 40% discount is substantial.

You may not know this, but some Telematics policies actually track WHEN you drive, so if you regularly drive between 11pm-7am, your discount is reduced. If you regularly exceed the speed limit. If you regularly drive during rush hour, it can also reduce your discount.

Its worth pointing out that the Telematics box won’t increase your premium for THIS year. It will reduce your discount / refund, when you drive or how you drive.

What Do Telematics Boxes Track

Geotab Go7 Telematics Device

Geotab Go7 Telematics Device

If you look at the list of what telematics box can track:

  • Time of day or night you drive.
  • Speeds you drive.
  • The type of road (A, B, Motorway).
  • Your Location.
  • If you brake hard or accelerate sharply.
  • If you take regular breaks to rest on long journeys.
  • Your motorway miles and usage.
  • Fuel Level.
  • Seatbelt Usage.
  • The way you handle corners.
  • The total mileage.
  • The total number of journeys you make.
  • Vehicle Maintenance and Condition.
  • Anything else the ECU knows, such as remapping or mapping out egr/dpf etc.

You can see there is quite a lot of information there, and many ways this can be interpreted and analysed.

Next Years Premiums Could Increase

Its fairly openly stated in the small print that it could (read as Will) affect your renewal or next years premium, and its sketchy if the data is shared with other insurance companies. More so even if shared within the same company for example Bell Insurance shares with its parent Admiral and sister Elephant for example.

Insurance companies have been trying to standardise the systems  data since 2014, so its coming soon that companies will share, less clear how UK data protection laws will see that.  

What they don’t officially track is your geographical location, but I believe this data is logged, I mean they are using a GPS tracker, so your location must be tracked but its not used yet. My research tells me there are (currently) no plans to change that. 

Driving In Risky Locations

Car Price IncreasesSome insurance companies in America are starting to use the Geographic location data in the calculation of your insurance premium, so if you routinely drive through down town Detroit at midnight where more than 1 person in every 2,000 people will end up dead in any given year, you can expect your insurance premium to rocket.

Same if you routinely park your car in the ghetto or rougher parts of town. 

I’m not sure how Risky Location would be defined in the UK since we don’t really have “hoods” or “motor city” type things, but I’m guessing they will use the same data they use to assess your home risk factor.

If you live in a low crime area, with high value homes, your insurance is cheaper, than if you live in a high crime area with low cost homes, or overspill estates etc then your insurance costs more. Since this data already exists, I suspect they will use this same type of data to determine if you’re driving / parking in “rough” areas. 

Its interesting times ahead as far as insurance goes, and its not the first time something altruistic has taken a more sinister turn.

Ghetto Area image courtesy of boldizsar csernak, Geotab Go7 Telematics Device image courtesy of Geotab, and Price Increase image by Svilen Milev.

Driving Test Revisions

Boxer Behind The Wheel

Boxer Behind The Wheel

I recently passed the Theory Test, so I’ve been watching the latest news and there is a little bit of research done by the DVSA (Driver and Vehicle Standards Agency) which concluded at the end of August (2016). Its a little late to have any say now if you missed it, but you could have given your views on proposed improvements to the current driving test. The results still haven’t been released but should be interesting.

The Key Points they are asking about are:

  • Independent Driving – Increasing the time from 10 minutes to 20 minutes, there the examiner will test you on traffic signs, give you directions or a combination of both.
  • Navigation and Directions – Asking drivers to follow directions given by a Sav Nav / Phone during the above Independent Driving section. 
  • Manoeuvre Updates / Changes – Replacing some manoeuvres such as reversing around a corner, with reversing or parking in a parking space.
  • Vehicle Control / Safety – Asking the driver to turn on the Rear Window Demister or Fog Lights. 

Its probably a very good thing, I would have thought reversing around a corner would be fairly standard things to learn. Personally parallel parking looks harder to master, but parking in a parking space and following a SatNav are probably good skills to have.

 

 

Image By Palmer W. Cook