2015 has been a bit of a confusing year for us motorists – not only have we had to get to grips with the new rules around road tax, but we’ve also had to get our heads around the disappearance of the paper counterpart driving licence, something that has caused some concern to those hiring a car both at home and abroad.
We’ve also had the usual woes around pot holes and traffic jams, and here at the MoneySuperMarket Motoring Blog, we’ve seen a growing number of people asking questions on exactly how no claims discounts (NCD) work and whether or not their insurer can write-off a car that they think is perfectly driveable.
Top 10 motoring blogs
And if any of these issues have been bothering you, you should find the answers you’re after in our top 10 motoring blogs of 2015…
It’s a commonly held view that if you have fully comprehensive car insurance you’re automatically covered to drive another car, so long as you have the permission of its owner. And while this is true in most, if not all, cases, you could find the level of cover isn’t quite what you were expecting.
Vehicle Excise Duty (VED), or road tax as it is more commonly known, has been giving car owners the hump ever since the rules were changed back in 2014 – not only can you no longer transfer the tax with the car, you can only claim back the unused tax on any remaining full months, which isn’t ideal if you sell your car at the beginning of the month.
As if no claims discounts (NCD) weren’t complicated enough, some insurers make you jump through hoops just to get proof of how many years’ worth of entitlement you have – if you’re having this issue with your car insurance provider, this blog could be invaluable.
If you’ve been involved in an accident and your insurer tells you your car is a write-off, it’s not necessarily the end of the road, this blog explains why and the comments have some real-life examples of the types of problems people run into when their car is written off.
Most garage forecourts offer “premium” or “super” unleaded petrol that claim to improve your car’s performance and help protect its engine, all while cutting your fuel consumption. They usually cost around 10p per litre more than standard unleaded though, so are they worth the extra outlay?
It’s not easy being a young driver as high fuel prices, heavy insurance costs, and the added burden of regular road tax, services and MOT tests mean running costs can be pretty high. The good news is, you can cut most of these costs quite considerably just by choosing your car more carefully.
And it’s not just the death of the tax disc that’s been a cause of concern, the end of the counterpart driving licence has also been driving some motorists mad, particularly if they’ve been looking to hire a car. This blog had everything you need to know now the counterpart is no more.
If you cancel your car insurance early you could find you’re hit with a hefty fee, even if it’s within the so-called ‘cooling-off’ period. That’s not the biggest issue though as some insurers seem intent of fleecing unsuspecting motorists with inflated cancellation fees. So read this before you cancel any cover.
No claims discounts can be a right headache as each and every insurer has its own rules around how many years it will recognise, meaning you could see your discount cut just for changing who you’re covered with. So here’s a rundown of exactly how NCD works and what you can expect from your insurer.