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Car Insurance and Breakdown Cover – Need to Know Guide

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Do I need to buy breakdown cover with my car insurance?

Many insurance providers give you the option to purchase breakdown cover with your car insurance policy. Should you add breakdown cover or buy it separately?

One of the most stressful situations can be experiencing a breakdown, especially if you don’t have the right cover in place. For this reason many drivers will consider breakdown cover to be essential. At the time of purchasing or renewing your car insurance, you will have the choice to include breakdown cover as an optional extra.

Breakdown cover included as standard in your car insurance

Some insurance providers will offer you breakdown cover as standard, there are very few companies that do this. The overall cost of your policy will likely be higher when breakdown cover is included as standard. You can easily see the price difference when getting a quote from an online comparison website. This will allow you work out if it’s cheaper to buy car insurance with or without breakdown cover included.

Breakdown cover as an optional extra in your car insurance

It is estimated that around 45% of policies listed on Defaqto offered breakdown cover within the UK as an optional extra, with just 20% including it as standard. Out of the car insurance providers who offer breakdown cover as an optional extra, there was a variation between the price and level of cover available. Often, prices varied largely for the same level of cover.

Here are some different levels of breakdown cover to look out for:

  • Home start
  • Roadside assistance
  • Nationwide recovery
  • Onward travel (transportation and overnight stay)
  • European cover

It is also worth noting that breakdown cover that is sold with a car insurance policy is usually only vehicle cover. This means that it will only apply to the vehicle you are insuring. Most drivers will want personal breakdown cover, this will allow you to have breakdown cover for any vehicle, whether you are the driver or passenger in someone else’s vehicle. This option gives you a lot more flexibility. Check to see if your current insurer offers this or if you will have to buy this separately.

How do I get the cheapest breakdown cover?

There is no definitive answer on how to get cheaper breakdown cover when buying car insurance. Everyone’s needs and circumstances will be different. Some customers will get cheaper cover with their car insurance policy, others will be better off financially by buying both types of cover separately. It is best to compare car insurance quotes with and without breakdown cover included and see how much the price differs. You can also find out how much standalone breakdown cover costs by going directly to a provider’s website. The AA and RAC are two of the most well-known and reviewed breakdown cover providers within the UK.

Useful tip: Some banks may offer you free breakdown cover by choosing one of their selected bank accounts. These bank accounts will charge a monthly fee but it may work out more affordable if you find the other added benefits and features they provide to be useful.

Looking for cheap car insurance with or without breakdown cover? We recommend using a comparison site. It’s quick and simple to get an online quote with someone like utilitysavingexpert.com.

 

 

 

Things to Consider Before Buying a Used Car

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Buying a car is an exciting adventure, something that brings you to independence, or a clean break from a car that was giving you troubles, either way, it is a fresh start. There are many variables to consider when you are looking to purchase a vehicle that is pre-owned, but everyone has a couple things at the top of their list that they consider before making their final decisions.

– Is the car safe?

– Is the car affordable?

Whether you purchase from a brand name dealership, a small dealership, or an individual owner, those two questions come in to play.

When dealing with a high-end dealership, there are pros and cons. A huge plus is that dealerships go through extensive testing before allowing a pre-owned vehicle to be purchased under their name. There are many dealerships to choose from that will lift the stress of trust off your shoulders, and that in itself can be a good enough reason to go this route. The disadvantage to choosing large dealerships is that they pay for and go the extra mile to back these cars and sell them for their highest value, so pricing can be a bit higher than choosing a different route. Also, tons of paperwork comes with big name dealerships, if that is not something you like then I would suggest looking into other options.

Another option when used car shopping, is to find a smaller company. This is not altogether a bad choice, and this may be a path that works for you and your needs. This is a good idea if you are trying to be extra financially cautious with your vehicle purchase and make sure these smaller dealers have motor trade insurance. Smaller dealerships can offer warranty packs just like their bigger competitors and can be trustworthy as well so don’t rule them out. These places might still be trying to get their name out there which and grow so they could be selling cars at wonderful rates in order to do so, or may offer cars you can trust that just have minor flaws in appearance, things like:

Upholstery damage

– Dents or scrapes and scratches

– Ugly or tarnished paint

A different route to go when searching for a used car is with an individual seller. This is honestly the riskiest option and could lead to a good experience or a disaster, but might be necessary given your financial needs. If you choose this direction then you are responsible for investigating the condition of the car, unless the seller agrees to a vehicle inspection at a location you trust. If not, it is up to you to determine whether the car is safe to drive, and worth its price. It is on you to handle all DMV paperwork that comes with the purchase of any vehicle, which can be a timely and costly process. Another thing to consider is that chances of warranties are slim. If something needs to be fixed or replaced, it is one hundred percent your responsibility. Nonetheless, it is an option worth looking into.

No matter which option you use always make sure that you have done your research and are heading home with a vehicle that you feel confident with.

All the Best Bits of Idol Nissan 2

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ROUND 2 WINNERS – TOP 3 MOVING ON TO THE FINAL

1st Place:

Name: Anthony Reid
Location: Renfrew
Make & Model: Datsun 180B
Year: 1979
Spent so far?: to scared to count it up
Bhp: around 300

50 words on …. The Styling: Stockish look with Australian grill JDM mirrors, custom paint custom clear front lamps. Earlier style bumpers. Rota D1 alloys, Lowered on home made coilovers
50 words on …. The Interior: Stock 1970’s interior with a SSS dash and boost/air fuel guages and boost controller, And kenwood audio system
50 words on …. Modifications: 2000 16v turbo engine and box from Skyline. 200SX management (modded) ecu and engine harness. Skyline fuel tank. Front mount intercooler and custom pipe work, 3” turbo back Stainless custom exhaust. Custom wiring loom. Greddy fuel pressure regulator and BOV. GTR front brakes, fully polly bushed. Loads more
50 words on …. Why you should win!: Every modification to this car was self done took about a year to build once it had returned from bodyshop. Also be good to see an old school car win something and prove to non jap owners that jap cars young or old are just as good if not better.

2nd Place – 20% of the vote

Richard Rochester

Name: Richard Rochester
Location: Top Secret, kinda like the Batcave
Make & Model: Nissan Primera GTT
Year: 1999
Spent so far?: Upwards of 10-20k
Bhp: 298 at last dyno run, but after re-map & boost increase est. 320-350Bhp

50 words on …. The Styling: Subtle is the key, this is not a Primera trying to be any other car it’s a Primera full stop! So the plan was to enhance the styling by working with the good parts & enhance those Nissan should have done pre-production JDM Yo!
50 words on …. The Interior: Full OEM spec leather in mint condition, with subtle ICE to fill the car with those essNchill tunes. LED replacement lighting throughout freshens up the 90’s display, is there a gadget not present in the dash probably not (gauge pods, boost controller, ECUtalk etc.). Sci-fi has a lot to answer for!
50 words on …. Modifications: Custom built SR20DE(T) with forged internals uprated JWT cams, 570cc injectors, Garrett T28RS turbo, uprated Brembo brakes, 17×7.5 Rota Boosts, Tein SS coilovers, full SS custom exhaust, custom fibreglass front splitter.
50 words on …. Why you should win!: There’s no Pulsar/GTiR swap here, from the ground up this engine is all Primera. This project came about from a love for Jap cars & a need for speed. This car wouldn’t be what it is today without the input & know how of various forums NPOC, SR20 & G20.

IMPREZA IDOL 2010 – THE FINAL

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IMPREZA IDOL 2010 – THE FINAL

You can vote once only during the voting period for one car only. Voting for The Final ends at Midnight on 17th November. No votes after this date will be counted.

The winner will appear on the cover of the Jan-Feb 2011 issue.

In the interest of fairness the following will apply also:

VOTING FROM MOBILE DEVICES: Please be aware that mobile devices log an IP address with the voting system. Although it may appear that multiple votes can be submitted they WILL NOT be counted and will be removed at final validation stage.

VOTING FROM WORK / MULTIPLE PC ON NETWORKS : Pc’s on a network still share the same IP address, even if the final digits differ, therefore these will not be counted and will be REMOVED at the final validation stages.

Entries below are in the owners own words.

TO SEE THE MAGAZINE PAGES WITH FULL DETAILS AND
PICTURES OF EACH CAR – DOWNLOAD THE PDF VERSION HERE

THIS PDF MUST NOT BE USED ON ANY WEBSITES FORUMS OR
REPLICATED / DISTRIBUTED IN ANY WAY.

1 – CHRIS BUCKLER, IMPREZA WR1

At the Autosport International Show, in 2004, me and my wife, Rosy, stared at a light blue Subaru, on the Crossroads Subaru stand. The WR1 badge on the wing had us mildly confused. We discovered it was one of 500 made to celebrate Petter Solberg’s 2003 WRC win for Subaru. We liked it. Problem was, we could not really afford it. Mind you, that did not stop us from buying ‘ROSY B’, as the car is now known. Modifying a limited edition model is tough but, after talking to Matt and Olly at RCM, we established what we wanted and that our car would be in the best hands. The brief was simple. To keep it looking standard but to make it go like stink.

The major engine works were done at first, with the suspension and brakes replaced the following year. More recently, RCM’s latest Rotated Turbo was fitted, to bring the car bang up to date. The only external giveaways that the car is not standard are the AP Racing brakes and the slightly forward stance that gives the car a more aggressive look. Aged 60 years, I am a bit too old for track days but I did take the car to Bruntingthorpe once, at the annual charity event that we attend. My three passengers were quite impressed, when I overtook a Skyline at 175 mph, though I do not believe the Skyline driver was too pleased. We now have a 520bhp WR1 that still looks standard, goes like a missile and handles like it is on rails. You should vote for our WR1, because I have used my pension funds and my wife has delayed her new kitchen for six years, to pay for it all. We believe it has been worth every penny.

2 – DAVE WRIGHT, IMPREZA P1 WR

As soon as I could afford my first Scooby I was hooked. Then came my chance of owning my dream Impreza, not any Impreza, but the mighty P1.
Then began the search, finally I came across P1 VVV, one owner from new, with FSH and all the bills and documents.
Being completely standard with no modifications at all, it was my ideal car. At the time of buying the P1, those already featuring upgrades were rare. Slowly but surely I wanted to turn my car into a Full WR P1. The first thing that came my way were the Prodrive Alcon Callipers, discs and Prodrive pads but, as money was tight, I opted to buy second-hand with my original ones as part exchange,  the easier to obtain P1 Prodrive exhaust soon followed.
The next search involved upgrading from 17-inch wheels to 18-inches and a couple of years passed before I even received a sniff of the 18” PWRC1 O.Z. Alloys, which were unavailable brand new. As they were in poor condition they needed a complete refurbishment to bring them to original condition.The most difficult to come by were the Prodrive Electric Recaro front seats and, whilst a few cropped up, most either eluded me or were deemed far too expensive and out of my budget. Finally, a guy in Scotland had a set obtained from an accident car. There was no damage and were perfect. Once installed and wired my car felt completely different to drive, not just from the 18” wheel upgrade but from the different seating position in the Recaros.For you to vote for my car would be fantastic, I am keeping the P1 as it was meant to be, no modifications, just Prodrive upgrades, surely how it should be, a true classic and legend left alone.

Total Car Idol 2010

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Mar/Apr 2010 issue – we will pick a shortlist from the web entries, these will appear in the magazine voting will take place online here. 3 Evolution, 3 Imprezas and 3 Nissans will move on the the final.

May/Jun 2010 issue – we will pick a shortlist from the web entries, these will appear in the magazine and voting will take place online here. 3 Evolution, 3 Imprezas and 3 Nissans will move on the the final.

Jul/Aug 2010 issue – we will pick a shortlist from the web entries, these will appear in the magazine and voting will take place online here. 3 Evolution, 3 Imprezas and 3 Nissans will move on the the final.

Sep/Oct 2010 issue – we will pick a shortlist from the web entries, these will appear in the magazine and voting will take place online here. 3 Evolution, 3 Imprezas and 3 Nissans will move on the the final.

Nov/Dec 2010 – THE FINAL – all 12 finalists will appear in this issue and voting will happen online.

Jan/Feb 2011 – THE WINNER’S FEATURES APPEAR IN THE MAGAZINES

So, what do you need to do to enter?
Entries are being taken throughout the year and shortlisted each issue.
Simply fill in this form to enter.

The shortlist will be chosen by our team looking at the following criteria:
Modifications
Styling
Spend (or lack thereof)
Bling v Understated
Interior v Performance

Full competition terms here

Fill in the form below (remember and attach your BEST image. We only need one so make it count and answer the questions fully.

2016 Nissan Q7 Debuts with Next-Gen Styling at Detroit

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NISSAN IDOL 2010 – THE FINAL

You can vote every 15 days. Voting for The Final ends at Midnight on 17th November. No votes after this date will be counted.
The winner will appear on the cover of the Jan-Feb 2011 issue.

In the interest of fairness the following will apply also:

VOTING FROM MOBILE DEVICES: Please be aware that mobile devices log an IP address with the voting system. Although it may appear that multiple votes can be submitted they WILL NOT be counted and will be removed at final validation stage.

VOTING FROM WORK / MULTIPLE PC ON NETWORKS : Pc’s on a network still share the same IP address, even if the final digits differ, therefore these will not be counted and will be REMOVED at the final validation stages.

Entries below are in the owners own words.

TO SEE THE MAGAZINE PAGES WITH FULL DETAILS AND
PICTURES OF EACH CAR – DOWNLOAD THE PDF VERSION HERE

THIS PDF MUST NOT BE USED ON ANY WEBSITES FORUMS OR
REPLICATED / DISTRIBUTED IN ANY WAY.

1 – ANTHONY REID, 1979 DATSUN 180B

I bought my 1979 Datsun 180B in 2002, with the insurance pay-out following another version that had been written-off. I used the car for a couple years and then decided to increase the power output, managing to get my hands on the FJ20ET engine from a Gazelle/Skyline that had been imported from Japan.
The engine was fitted and the evolution started, turning into a full nut-and-bolt restoration. The car was stripped to a shell and taken to a friend’s paint shop, where I worked on its preparation and painting of the underside. The rest was left up to my mate, Max. The shell was returned a year or so later, when I commenced rebuilding and modifying it as I went. Firstly, the bare engine was installed from below the car. The rewiring took me three weeks just to create the front section alone.
Then, I moved into the cabin, sorting the carpets, seats, door cards and other trim, keeping everything as neat as possible. Fnally, I got started on the brakes and suspension, again modifying as I went, fitting home-made coil-overs front and rear, with Skyline 4-pot brakes up front. The self-made adjustable rear end (for camber and toe changes) came next.
My car has been built from the ground-up personally, with the exception of the paintwork, and hours were invested in making parts, looms and modifying, taking a little over a year to complete. My car is definitely a one-off and I truly hope it will win this competition and inspire more people to consider a nice ‘old school’ model that stands out from the crowd.

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