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Motoring

Archives for January 2021

Do I need to declare on car insurance???
2 years ago, My car was hit in my work private car park by the company car. It needed a spray paint job in the back bumper. Went through insurance, as it was not my fault, it was taken care of. My NCB is protected, No up front excess, no paperwork, no nothing, it was like it didn't happened lol Last year I renew with the…
Car Insurance
Hi all, After listening to Martin Lewis talking about reduced rates for insurance during the Covid Pandemic , I got in touch with my insures , Hastings, and was told even though my mileage is for 7000 per year and My mileage for the last 6 months is only 700 miles my reduction would be 40p. I did ask why this was and…
Breach of T&c’s/agreement - dealer refusing deposit refund.
Hi, I bought a car back in December 2020 (3rd to be exact), a few days later I noticed that it had an issue (which laster has been confirmed to be an illegal modification, and not legal to be driven on public Uk roads, and voids my insurance policy). I put a £2000 cash deposit on this vehicle (using visa debit), in the…
Cheapest way to keep NCB alive...
Ok so my ncb two year mark is due to expire on 4th Feb. I last took out car insurance with me as policy holder on 4th Feb 2018 and it finished after the year which gave me 2 years ncb in total (as i had one year already yay). I didn't realise the time was so close to the expiry so i know i've missed out on the cheaper 21…
2 day job turned into 3 weeks.... and then it gets worse!
This is a long story! I'm sorry in advance! I'll try keep it to what I think are the important bits. The whole thing start to finish is just beyond belief! I'm self employed and my work van failed it's MOT on christmas eve. There was a fairly long list of things that needed sorting. I got in contact with my local garage…
Replacing car seat
I have a car on finance and it has a few cigarette burns in it. It would be cheaper to replace (with the exact same one) rather than get it repaired. If i replace the car seat would the company know? do car seats have an exact number? Like an ID number to identify that seat should be in a different car.
Stop start problems
Just wondering if anyone can shed some light on what might be causing an intermittent problem with the stop start. Car is a 2013 1.4 Auto Golf. Fully serviced . Over the last year it has been giving trouble restarting after engine cuts out. Always restarts first time when manually restarted. Tends to happen when engine is…
Garage damaged my car
Hi, I'm looking for some direction about how to get a garage to rectify damage they caused. Took my car for a specific suspension repair to a local, well recommended garage. First warning sign should have been 3 staff all not wearing masks either on drop off or pick up. They called an hour after drop off, I missed it and…
Voluntary Termination
from my understanding I can VT after paying off 50% of the total amount on the PCP finance. so...my total amount at the start of the finance was £25,000 so 50% of that is £12,500 and I’ve read that you’ve got to reach the balloon payment so mine is £12,700 so as long as I’ve paid the amount up to the £12,700 I can hand the…
Renewing Expired Driving Licence
Hi all, My photocard driving licence expired a few years ago and now I am looking to renew it. I have not owned nor driven a car in years, long before it expired. I understand that I can renew it online now and wondered if anyone had experience of renewing a licence under the same circumstances? Will they hold up my…
Matching paint
I have some dings on my rear bumper, in part where a tail gating numpty hit me while overtaking on a motorway. I can repair the damage easily with filler and sanding. I can easily paint it. But would I be able to get a decent colour match? It is a VW metallic silver on a three year old car. My past experience with two…
Fan belt stuck on
Hi, I have a Mercedes C saloon 2015 and it has been brilliant up to Tuesday morning when the battery died. Mercedes roadside technician fitted a replacement battery but since then the car's fan belt has been kicking in inappropriately, most often when the car is locked and stationary. Is this a known "thing" to any of you?…
Grants
Hi, this is my first post, so not sure if this has been asked before. Here goes, I have a small diesel van 2005 model. I live in the Manchester area and I know that the ulez doesn't affect us....as yet. I was looking at converting my van to electric, but even though it isn't as expensive as a new van, it's still a lot. Is…
Driving test / theory test
My boys theory test runs out in may so if his driving test gets cancelled in march will he have to do his theory test again and if so will he lose is money on his driving test
Car worth saving?
Renault Clio III 2006 DCI (1.5 K9K) TDElectric issues galore. Blown blower (needs replacement) head lights not working (had switch issues in the past) wipers have been problematic in the past (wiring loom repaired) original clutch (100k) and engages just at the tip of releasing the pedal so I'm assuming it's on its way out…
Mechanic advice.. belt idler pulley fitting
Hi, I have a Gates auxiliary belt and idler pulley kit to fit. Done plenty of belts before but not changed an idler before, ours has a squeaky sounding bearing so needs doing. The pulley looks pre-assembled with a new bolt and I know the required torque, just wondering do these usually come fully lubricated ready to fit or…
DVLA change of address on V5C
Good morning. I'm moving home in March and have 2 vehicles. I can only park one, my company van,at the new residence so I'll be leaving my car outside my Mother's house around the corner on a permanent basis. Do I register both vehicles with my new address or use my Mother's address for the car? Also, if both should be…
Fuel price rises
Has anyone else noticed that fuel prices are creeping up at 1 or 2p a week? We walk past a station a couple of times a week and the price of diesel has gone up 10p at least in the last 4 weeks since the start of the year. This is going to have a knock-on effect with all the prices in the shops as everything still travels…
Motability scheme
Hi I had a car on the motability scheme and was subsequently banned from the scheme and had to return my vehicle due to road traffic offences. My question is, although I am not able to have another vehicle for 3yrs would i be able to have a mobility scooter on the scheme Many thanks
Garage charge for estimate
Hello all, Just looking to find out if this is reasonable or not. My OH took the car to our usual garage as the fuel gauge was being erratic. They called with an estimate to replace (£458) so we declined the work as not urgent. When OH went to pick up, she was charged £54 for 'investigations'. They have never charged us…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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