Are you paying too much for your Car Insurance?

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Motor Car insurance

Cheap Motor Car Insurance

 

Are you paying too much for your Car Insurance? Save £100’s with our lesser-known Top Tips!

 

It is difficult to keep track of all your bills sometimes, and car insurance is no different. Whilst renewing your existing quote may seem the easiest option; according to MoneySupermarket.com you could save an average of £237 a year, simply by shopping around for your next deal. Here are some of our more creative, lesser-known ways to reduce your premium:

 

Alter Your Job Title

 

Insurance companies judge some professions as being riskier for car insurance than others. Yet there is room to be creative – you can slash significant amounts off your premium by making minor alterations to your job title. For example, according to moneysavingexpert.com a “sales manager” will usually pay around £1,030.90 for their premium whilst the similarly-titled “commercial manager” will only pay £978.90.

 

Add a Reputable Driver to your Plan

 

If you are a young, inexperienced driver or have had a recent accident it may be beneficial to put an experienced driver as a named driver onto your policy in order to reduce the cost. However, adding them as the main driver is a criminal offence, so make sure they are only added as a secondary driver.

 

Have a “Black Box” Installed in your Car

 

Insurance companies are now offering insurance policies based on your driving habits – and claim it could save drivers up to 25%. If you are an ultra-safe, low-mileage driver you can ask to have a specially-modified GPS called a “black box” installed in your car which will monitor your driving and your policy will alter according to this.

 

Get a Multicar Policy

 

Many insurance companies are now offering big discounts for having a number of policies linked together. What’s more, you can still run separate no-claims bonuses from this so you don’t need to worry about losing the bonus you have accrued. Sometimes there are stipulations that the people have to live together or are related, but look around and this is a guarantee to save you money.

 

Alter your Excess

 

Paying a higher excess can reduce your premium dramatically. Think carefully about how likely you are to have an accident and how much your car is worth. There’s no use having a very high excess if your car is only worth a similar amount.

 

 

Don’t just say ‘yes’ to all the extras!

 

Like any piece of complex insurance there are a million and one different optional extras you can add to your cover: Key cover, breakdown cover, injury cover etc. etc. Sometimes it seems easier just to relent and to agree to the small additional charge each month. But don’t give in unless you really need it! Check your other insurance policies as well, it’s possible you are already covered for some of these eventualities – don’t end up having three different insurers for breakdown as is sometimes the case!

 

To sum up…..

 

You wouldn’t think twice about changing your cereal depending on a promotional offer would you? Just because it’s car insurance and it seems complicated the same principles still apply; shop around and take advantages of all the options available to you, and I guarantee you will save hundreds of pounds annually.

New Tax Disc Rules for Vehicles


Source My Car:

Are you aware of the new Tax rules from October?

Originally posted on Source My Car Traders:

New Tax Rules

New Tax Rules from October 2014

                New Tax Disc Rules for Vehicles

If you are interested in buying or selling cars, it becomes even more essential for you to make yourselves aware of the new tax disc rules that are expected to come into effect by October, 2014. In the eyes of many, the new tax disc rules are going to have a significant impact on the car buying and selling.

It has been announced that Driving Vehicle Licensing Agency (DVLA) will no longer issue any paper tax discs, from 1st October, 2014. Though, the car owners will still be required to have vehicle tax, in order to  keeep a vehicle or drive it, but under the new tax disc rules, DVLA will only accept online payments, in all cases including Direct Debt payments. This means that instead of relying…

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New Tax Disc Rules for Vehicles

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Tax In Post

Tax In Post

 

                         New Tax Disc Rules for Vehicles

If you are interested in buying or selling of cars, it becomes even more essential for you to make yourselves aware of the new tax disc rules that are expected to come into effect by October, 2014. In the eyes of many, the new tax disc rules are going to have a significant impact on the car buying and selling.

It has been announced that Driving Vehicle Licensing Agency (DVLA) will no longer issue any paper tax discs, from 1st October, 2014. Though, the car owners will still be required to have vehicle tax, in order to keep a vehicle or drive it, but under the new tax disc rules, DVLA will only accept online payments, in all cases including Direct Debt payments. This means that instead of relying on and monitoring paper tax disc to identify tax evaders, DVLA will now take a swifter and more direct route for penalizing tax evaders. The process will now involve the direct identification of tax evaders by the monitoring of a vehicle’s number plate by the police camera.

The new tax disc rules are expected to facilitate the tax payment for vehicle owners, in terms of finance, time and energy expenditure. Not only will the new rules be influential in allowing a more convenient way of making online payments and saving money on postage, but will also allow more efficient and accurate monitoring and identification of tax evaders.

However, these new tax disc rules are to add extra load to the responsibilities of used car sellers and dealers. Under the new tax disc rules, it is understood that the used car sellers or dealers will inform the DVLA of any transactions that they are to be involved in with respect to car trade, beforehand. Similarly, the used car buyers might also bear some part of the burden, in term of tax transfer, under the new tax disc rules. They might no longer enjoy the automatic transfer of taxes, as they buy a used vehicle. Therefore, it is advised that they ensure that they get their taxes as soon as they buy their vehicles.

Tax Disc new rules

Tax Disc new rules

 

The measure has been taken to provide monetary refund to the car sellers, on the account of any months left on the car tax. Not being able to comply with the new tax disc rules may lead to adverse consequences for the used car buyers and seller.

Car sellers, in case of failing to inform DVLA of the transaction they are a party in, with respect to car trade, may not only lose out on the refund but will also be fined with a considerable sum of money. Moreover, this may also lead to them being charged with speeding and parking fines, and being expected to pay taxes for a commodity they don’t even have the ownership of. In fact, the potential and interested car sellers are advised to check online for their vehicle taxation, at Vehicle Enquiry Service, to avoid any chances of getting fined unnecessarily.

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Will Wayne Rooney Deliver in Brazil 2014 World Cup?

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23-May-2014 1:21:00 AM 

By Ewan Roberts

The England talisman says that he is “fully fit” for the World Cup in Brazil and hopes to show what he can do, having struggled to make an impact in previous tournaments

Wayne Rooney is determined to deliver at this summer’s World Cup and admits that it could be his last chance to shine on international football’s grandest stage.

The Manchester United and England frontman has been to two previous World Cups, in 2006 and 2010, though faced injury problems in the build-up to both tournaments and failed to score in both Germany and South Africa.

Having struggled to make an impact previously, the 28-year-old believes that the tournament in Brazil could be the opportune moment to prove his worth and is targeting an unlikely triumph.

“Obviously I’ve been here before and I’ve said what I can deliver and do and it hasn’t happened,” Rooney told reporters.

“For me personally I feel that at the World Cup in 2018 I’ll be a bit older then and it will be a little bit more difficult for me to impact in the way I believe I can do.

“So I believe this is really the last big one I feel that I can get the best out of me. I feel ready and fresh and as good as I can do going into this tournament.

“I believe this is the one that I have to show what I can do and I believe I’m in the best possible condition to do that. I’m ready for it, I’m excited for it and there’ll be no excuses this time.

“I believe we can go far – our aim is to win the tournament. That’s what we’re preparing for and that’s what we’re hoping for – and, with a little bit of luck, we could do it.”

Rooney missed the end of the Premier League season with United through injury and was even forced to bring fitness trainers on holiday with him but insists that he is now fully fit and ready for the World Cup.

“I feel good. I’m fully fit and took part in the full session on Monday,” he continued. “I have done on Tuesday and Wednesday as well so I feel good and ready to do everything.

“Obviously I missed the last few games of the season and I wanted to make sure that I was ready and available to train when the team met up.

“That was the reason behind it [bringing fitness trainers on holiday] and it certainly helped me get up to speed with it and to be able to join in with the team on the first day.”

Do we Really Save Money with Discounts?

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The consensus is to save money you have to pay out a lot of money which if you were planning to do this any way you may find a bargain but how many people go into a supermarket and spend extra to get that money off petrol voucher? Does spending extra money to save money make sense and is the savings make you better off or would it be better to put the extra money you saved on the petrol instead?

We don’t actually calculate this when we see money off deals and I think the supermarkets/marketing companies count on this. For instance if you get 10p of a litre of petrol and you spend £60.00 in store and you went in for a few items that came to £50.00 would you buy extra items to get to the £60.00 mark? Yes, a lot of people do but would it not have been more of a saving to use the extra £10.00 on petrol instead?

Let’s work it out

Petrol is say £1.30p a litre

You put in £50.00 worth of petrol

= £65.00 with voucher off you save £5.00

but you spent £10 to get the £5 off.

We all do this and most businesses/marketing companies are aware that when we see money off, bogof’s, savings we feel we are getting a deal but once calculated and circumstances on buying usually means we pay more or have loads of items we don’t need or want.

However if you are doing your weekly shop and it comes above the limit set for savings then you are in good saving territory as you were going to spend that anyway. This is when you are up and should feel that you have a bargain, say you refuel at the same petrol station each time then there is usually a scheme like Morrisons Mile Card or the Tesco Fuelsave for example that will give you money off vouchers, this will be a good deal as you are going to refuel anyway so you benefit. Nice.

Sainsbury 10p off per litre on £60 spend ends 30th April 2014

Tesco Fuelsave (need clubcard)

Asda petrol price checker (no money off)

Morrisons 6p off per litre on £40 spend ends 4th May 2014

 

Credit Cards

I know people who constantly change credit cards and saving schemes to try to get that best deal. For instance someone I know has just received an upgrade to business Class on British Airways as they have an American Express card that they use to buy all their larger purchases so have accumulated the savings. Nice deal. But how many points do you need for an upgrade? How much do you have to spend as a minimum to be in line for the deal and how much monthly/yearly do you have to pay for the card?

So for example the preferred American Express card is £125.00 a year (free first year) but you have to spend £2000 in the first three months. You do not get charged interest if you pay whole amount monthly (so in effect you need to have the money before you spend it otherwise you will be liable for a late payment fee and interest added which believe it or not I cannot find the amount on the site, having looked elsewhere in google come up with one stating 36.2% variable.) If you do not pay the whole amount you lose your previous months points also.

So if you have the money already for your £2000 purchase and you actually have the purchase in mind and need it then you may benefit from the card but for the 20000 points you receive after the minimum 2k spend you get a return flight from Istanbul or a bose headset for example, good if you need them, if you do not then you will be buying things you don’t need to hit the limit, you will be looking for the money to pay whole amount to benefit and then you have to continue using it for large purchases to gain more points throughout the year.

American Express  the preferred Card

Tesco Credit Card is also an example of savings that can be made as long as you pay the whole amount of purchases monthly. On this you do not get charged % of Transfers (a 2.9% fee applies so in effect you do get charged) but you get clubcard points whenever you use it so if you use it for all your household items say bills, shopping, fuel etc and pay off the balance you get clubcard points to spend on Travel, hotels theme parks etc.

This is great as stated if you shop here anyway as you will be spending the money anyway but again you only benefit if you pay the whole monthly balance off completely otherwise fees will start to be added and the whole benefit may become very costly instead.

Tesco Credit Card

Tesco Clubcard Points

Holidays

 

A family member will always hunt around yearly for a holiday bargain and believe me when I say there are hundreds of pounds to be saved on holidays it almost does not make sense.  Different people using different Travel Agents in the same hotel, with the same benefits (i.e. all inclusive) with hundreds of pounds difference in prices paid.

The differences in holiday may be flight times and airlines used but if this is not an issue for your holiday to be great then I suggest you hunt around. The best way of doing this will be to find the place you want to go on a travel agent site then put the name into search and this will show you others that you can book this holiday through. Tripadvisor is also a massive help as they will also show you cheapest prices by different agents as well as giving you reviews of the place (be careful here you could dismiss a great holiday from a review who may be a tad picky in their holidays if the review is bad)

This may take a few hours out of your life but I can guarantee that the savings are well worth it.

 

There are plenty of bargains to be found out there and with the internet at our fingertips usually easy to find but what one company describes as a bargain can usually mean paying more to receive it so when looking for deals do your research and make sure that what you are receiving is in fact what you need/want and that the savings outweigh the costs.

Always read the terms and conditions on any offer and always read the small print especially when you see * at the side as this will generally mean there are certain criteria that has to be met to actually qualify for the saving.

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Source My Car Map

 Source My Car Buyer and Trader Map

Hundreds of Traders and Buyers have already signed up to buy and sell cars. Source My Car Free to use for both Traders and Buyers to help match cars in a simple way.

Sign up today and become part of a quick and easy way to buy and sell cars in the UK

The Best Used Cars to Buy in 2014

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Best Cars to Buy in 2014 Source My Car

Best Cars to Buy in 2014 Source My Car

 

 

If you are looking to buy a decent used car  this year then you have come to the right place. What we have done here is put together  a list of the best used cars that you may want to consider when making a purchase in the coming year. This list not only includes the make and model of the recommended vehicles, but also the price range you can expect to pay..

 
Kia Picanto

The 2011 Kia Picanto 1.01.3 door is the second generation and whilst maintaining its value for money, it also comes with a  much higher feel of quality about it. As well as being very affordable they also come with Kia’s long term warranty in place. You should expect to pay about £4,500 for a decent model.

 

Volkswagen Up!

Although a bit pricey even now, the Volkswagen Up! 1.0 Take Up will set you back around £6,300, but this city car brings with it a big car feel. This maybe a bit pricey but it does tend to hold its value well, if and when you decide to sell it.

 

Audi A1

The 2011 Audi A1 1.2 Fsi Sport 3 door is our pick as one of the best superminis around at the moment. The A1 is one of the must have superminis at the present time, and it holds its sale value strongly. The A1 incorporates premium quality, and style that is hard to beat, but expect to pay £9,500 – £12,000 for it.

 

Ford Fiesta

The 2009 Ford Fiesta 1.6 TDCi Zetec 5 door is a great choice for most families. This gives the agility needed for city driving, but also has great comfort for those longer journeys. This 5 door version also gives an added practicality to the car. Priced between £4,500 and £9,000 depending on condition, this makes it an affordable option.

 

Hyundai i30

With a price tag of £3,000 – £8,000 the 2009 Hyundai i30 1.6 CRDi Premium hatchback will not break your bank account. However if you only drive shorter distances you may want to consider getting a petrol engine version of this car.

 

Mazda 3

Mention owning a Mazda to most people and they will automatically think of a sports car, but the 2010 Mazda3 2.2D Sports 5 door is a great family car. With Mazda’s reputation for reliability, and with great road handling the Mazda 3 is good value for money at just £5,500 – £10,000.

 

Vauxhall Insignia

With a price range of £5,000 – £14,000 the 2011 Vauxhall Insignia Sports Tourer 2.0 CDTi Sri has come under criticism from some. However it offers lots of interior space and comfort making it ideal for a growing family.

 

Volvo V60

The 2011 Volvo V60 D2 R-Design will set you back about £14,500, but it is an ideal family car. With its diesel engine you can keep the fuel costs down, but more importantly the V60 comes with the usual high standard of safety features that we all associate with the Volvo’s.

 

If you are looking to purchase a used car in 2014 we hope that this short list of what’s available to you has been of some use. Although we have not been able to cover every popular used car we have tried to include a short selection that most people would find of some use in helping them to decide what vehicle to buy. Just remember to do your own research, and price comparison, before parting with your money, and don’t be afraid to haggle!

 

Which Are The Cheapest Cars to Insure ?

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Cheap Car Insurance by Source My Car

Cheap Car Insurance by Source My Car

As we all know to our cost, car insurance does not come cheap regardless if you are a young first time driver, or a more experienced driver with years of no claims bonuses against your name. Car insurance is more than ever, the most major consideration when purchasing a new car.

In years gone by we would purchase a car and then insure it before finding out how much it was going to cost us, but these days most people will find out the cost to insure a certain model, or make of a car before they even start looking for one.

Shopping around for the best insurance deal is a great way to save money on your premium, but having even a small amount of knowledge about which are the cheaper cars to insure, will without doubt help to keep your premiums down.

Using the following list of cars, which are some of the cheapest cars to insure in the UK, is your best chance of saving some serious money on your car insurance. Our list has been selected based on cars that will fall inside the lowest car insurance groupings.

Dacia Sandero 1.2

The Dacia Sandero has become well known for being the cheapest car to buy in the UK, but with its large boot, practical interior, its low running cost, and the fact that is cheap to insure, makes this an ideal choice if you are looking for a car just to get you from A to B.

Hyundai i10 1.0

The i10 comes in a small package, but it will make you think that you are driving a much bigger car. This makes an ideal run aorund car with the added advantage that it falls in group 1 for insurance.

Vauxhall Corsa

Love them or loath them the full size corsa supermini falls into a group 2 insurance band. With its decent sized interior the corsa would suite any small sized family.

Volkswagen Up

The Volkswagen Up is a small car, but with a deceptive roomy interior that would easily fit a small family. With its compact size and tight turning circle capabilities the Up is ideal for use in the City. Best of all its falls within insurance group 1.

Skoda Citigo

The Citigo is another car that is ideal for city driving, but also has the comfort required for longer open road journeys on most roads, including motorways. Although the entry level Citigo is fairly basic you can choose to have additional options included, and it should still fall within group 1 for insurance purposes.

Although we have given you a list of cars to choose from when trying to save on your insurance costs, this list is by no means complete. Whilst trying to find a vehicle that is cheap to insure you also need to take into account what you, and your families needs are from a car.

What Are The Most Economical Cars to Buy?

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Most Economical Cars

Most Economical Cars

 

 

With the cost of running a car forever increasing, most drivers will try to run the most economical car they can, and one of the ways we all try to do that is by reducing our fuel consumption.

 

When deciding on the size of car we may want to purchase, most people will look at the miles per gallon (mpg), as an indicator of how economical a car will be. Although mpg claims are based on a car being run in a factory setting, and as long as you don’t expect to get the same mpg as claimed in the brochure, the mpg rating will allow you to compare one make, or model against another.

 

What we thought we would do here at sourcemycar.co.uk is make things bit easier, and list the most fuel efficient cars you can buy in the UK.

 

We have not included full electric cars, and hybrid cars, but stuck to just conventional engine cars based on their mpg

 

The top cars to consider are,

 

  1. Peugeot 308 HDi with 91.1 mpg
  2. Volkswagen Golf BlueMotion at 88.3 mpg
  3. Hyundai i20 1.1 CRDi with 88.3 mpg
  4. Kia Rio 1.1 CRDi – 88.3 mpg
  5. Skoda Octavia Greenline – 88.3 mpg
  6. Renault Clio 1.5 dCi – 88.3 mpg
  7. Ford Fiesta Econetic  – 85.6 mpg
  8. Vauxhall Corsa 1.3 CDTi – 85.6 mpg
  9. Citroen C3 1.4 e-HDi Airdream – 83.1 mpg
  10. Ford Focus ECOnetic – 83.1

 

 

The Most Economical Car: Points to Consider

As most of you will already know, the smaller diesel cars tend to have higher mpg, but if you have a growing family they are not going to be the best option. As well as looking at the mpg you also need to take in to consideration how you use your car, and how many people you usually carry in it.

 

You will also need to consider what sort of driving you tend to do. If you do a lot of motorway driving, or cover large distances a small petrol engine driven car may not be the best option.

 

If you don’t cover long distances a small petrol engined car could be the right choice for you. Diesel cars may give more mpg but they can be more expensive to buy, and they can be costly to fill up.

 

The most important point to consider though, when buying any car, is to make sure that you do not spend more than you can afford. This is especially the case when using a finance deal to purchase a car.

 

If you do not have any other option than to take out a finance deal to purchase a vehicle, before signing anything, make sure that you sit down and work out how much you can realistically afford to pay back each month.

 

Work out your finances carefully, and a good rule of thumb is to not include any extra money you earn from working extra shifts or overtime. This will protect you if your extra hours are reduced or withdrawn.

 

Taking time to decide on the size of car you need, and how much you can realistically afford will go a long way to helping you make the right decision.

 

 

 

 

 

What Do You Do When Your Car Suffers Flood Damage

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Water Damaged Cars - Source My Car

Water Damaged Cars

 

 

 

As many parts of the UK are still suffering from flooding we thought we would take a look at what to do if your car becomes immersed in flood water.

Whether flooding has occurred dues to heavy rain, or a swollen river there are certain actions you can take to try to save your car from being written off by your insurance company. The amount of damage sustained to your car will be determined by the length of time it was submerged, and whether it was submerged in fresh or salty water.

 

Prevention Better Than Cure

Obviously preventing your car from suffering from flood damage is the best option. Following weather broadcasts on your local radio stations, or TV news will help you to be fore warned of approaching floods and bad weather. Evacuating the area likely to suffer flooding is the best option, but if you need to remain in that area, parking your car on high ground or away from the area likely to be at risk of flooding is a good idea.

If you have to drive through flooded roads, do not drive through deep flood water. If you can not safely determine how deep flood water is on any road, do not attempt to drive through it. This is especially the case if you come across flowing flood water.

 

Act Quickly!

If your car does become submerged in flood water, once the water has subsided, and you can do so safely, you need to take action quickly. The first step at all times is to contact your insurance company, but you also need to begin to dry your car out.

A god tip is to take photos of your car so that you have physical documentation of the damage caused that you can present to your insurance company. In many cases it will not be possible to save a vehicle once it has suffered extensive flood damage, but by acting quickly you could minimize any long term damage.

If the flood water reached or submerged the engine, Do Not try to start your car. If you turn the engine over  it can cause more water to be forced through the engine, the transmission, and brakes causing more damage.

The best course of action is disconnect the battery, and have the car towed to a local garage, or mechanic. Once you have contacted your insurance company you should be ok to start drying your car out, but as mentioned earlier document everything by taking photos .

The steps you need to take to start to dry out a flood damaged car are,

  • ·         Drain the flood water from all areas of the car and engine, and flush using fresh                     water, or solvent.
  • ·         Drain out all the fluids and oils that have been contaminated, and replace with new             ones.
  • ·         Dry out and clean all the electrical systems and components.
  • ·         Clean all seats and upholstery using a wet/dry vac. Extracting as much moisture and             water from the seats and the upholstery as possible to will help them to dry out                     quicker
  • ·         You will need to take the car to a mechanic or garage that specialises in evaluating             flood damaged vehicles. They will then be able to advise you on whether  your car is           worth repairing.
  •           If your car was submerged in salt water there is very little chance of saving the car, so           it is not worth spending a lot of money on trying to do so.

Prevention is always the best option, and can be a whole lot cheaper. So if your local area is at an immediate risk of flooding, you may want to consider moving your vehicle to safer or higher ground. 

 

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