Hi all I bought my first car a 1994 Corsa and 430 pounds three weeks ago, Brokedown 3 times, I was the battery but it was the cam belt has caused damage to the engine's pistons and valves that are bent and must be replaced at a cost of £ 350 and cam belt 125 pounds! Now, since I'm still paying £ 67 a month for insurance coverage and ventilation, cut their losses and sell only cheaply to a mechanic who might be interested, or should I spend money and hope the car is worth? Now I know that the car was very cheap, but it was all I could afford at the time and yes, I took a mechanic with me, but this all lessons learned, so if you please, no lectures or rude comments! I do not know what to do? Ps said that these cars last a long time, even 13 years. Thanks in advance for your answers. Thanks guys

Why not try a stationary engine model later in the breakers yard and have someone put it on, the cambelt should be changed every few thousand miles, depending on the service after schedule.these Vauxhall are much better than before. good luck

Car Insurance: Skip the Planes and Drive!

When we’re off on our holidays the last thing we want is to have to be stuck in airports at the mercy of airlines that are afraid of a bit of fog/wind. This is clear from the chaos at airports this holiday season, but if you’ve travelled in the summer chances are you’ll know what I’m talking about.

This is the main reason people choose to ditch the air travel madness and take their trusty four wheeled friend. Up to 7 million holidaymakers drove abroad for their holiday in the past year alone and with the prospect of driving through the picturesque French countryside it can be expected more and more of us will be taking this option in the near future.

The main concern people would have is that are they covered on their insurance for travelling abroad. There is a document that many people apply for, the International Motor Insurance Certificate, commonly known as a kind of “green card” for cars. Most foreign travellers believe this document coupled with their standard car insurance policy means they’d be covered when travelling. They are kind of correct but this is a risky choice to make.

The reasons for this are that this setup would only entitle you to 3rd party coverage and wouldn’t cover damage or loss of your vehicle, despite having fully comprehensive insurance back home. With an average of 315,000 motorists claiming on their motor insurance this should make you aware of the real possibility that you may need to claim whilst abroad. In order to have that level of coverage you’d need to ask your insurer, this can sometimes need extra payments or a limit on the time you spend away.

So when you have checked that your policy will cover your trip you still have a list of other factors to consider. Making sure your license and breakdown cover are valid are two other considerations. Some insurers are willing to bring your vehicle back home if it isn’t roadworthy, citing that most car owners would prefer a mechanic back home to complete the repairs rather than battling through the language barrier with a local mechanic. This service would normally cost anything from £800 – £1,200 depending on where you were when you break down.

Motoring, like many other aspects of life, has different customs and laws depending on where you go. For instance, in France they can prosecute you based on how long it took you to travel from one toll booth to the next. In Germany it is illegal to run out of petrol on one of the Autobahns, conversely it is illegal to carry a spare can of petrol in Greece. It is highly advisable that you familiarise yourself with the local laws, road signs and speed limits to make sure you drive safely whilst abroad. Admittedly this is a complicated process especially with trying to remember that you should be on the right hand side of the road!

Other items to remember are recent maps or load up your GPS with European maps (if you want to be technical), a warning triangle, spare bulbs, first aid kit and even a fire extinguisher…you never know!

A final tip would be that if you are going abroad and need to arrange car insurance that will cover your adventure you should arrange it well before your trip so you can get the best deal. Also if you are due for renewal on your insurance then maybe you should look elsewhere and get car insurance quotes from insurers that offer European cover at no extra cost.

About the Author

Andy Adams is an experienced UK writer specialising in motor and car insurance

2 policies cant run on the same car. This is illegal.

your car is insured, and by being a named driver enables you to drive it. I have a policy on my car but I can drive m husbands because i am fully comp, i cannot get a policy specifcally for his car.

listen to the insurance guys – yes they try to screw money out of you, but only by increasing premiums. IF they wanted to get a wee bit more money they would have told u to go on your mums

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Insurance cost varies for many reasons. You want to go with a good company rated A- or B but no lower ranking.
You need to trust your agent to answer all your questions and to be there when you need them.
Your driving record, your credit score will have an impact on your cost for insurance.
You need to shop around for the best price. I suggest you make an appointment and see them in person to make sure you like your new agent and exactly how to reach them in an emergency.
Independent agents may be able to get you a better deal, but be sure the company they recommend is rated B or above.
I haven’t given you any company names for a reason.
Go to the yellow pages in your area phone book and choose someone to make an appointment with.
Ask close friends and neighbors in your area who they use and how they like them.
It’s not just the company you are dealing with, it is the agent that represents that company that is most important to you.

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It is possible, but will not be easy.

Any reputable insurer will use a central database where people found guilty of such fraud will be registered. Insurers help each other out when it comes to fraud and all fraudsters get put on this register. Even if you take out a policy without disclosing the fraud, the insurer will find out within days of the policy being set up and will void your policy for non-disclosure of serious offences.

There are insurers out there who will offer cover, but as they are few and far between and take on what they consider to be high risk insurance that other insurers wont touch, they will be very expensive.

My advice would be to use a reputable price comparison site on the internet. When filling out the form, disclose the offence. When it gives you the list of quotes, search through the ones who will offer a quote, and that’s your starting point.

Eventually, under the rehabilitation of offenders act, there will come a point when the conviction will be ’spent’, and you will no longer need to declare it for insurance purposes.

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No, I don’t have breakdown cover, funny thing is the only times I have needed breakdown cover I had it, strange.

I cant remember the name of it, but if it is the one I am thinking about, don’t buy it. There have been major complaints on this company. It sounds good that they will pay for your car breaking down, but if I understand this correct from what I read, they only pay up to the value of your car period.

In other words, if you car is worth $2,000 and your repairs cost $3,000, they will only pay $2,000, the value of your car. And since they paid repairs of the value of your car, they will never pay another dime for another claim and you could be paying premiums for something they will never pay. Or another instance using the same example, the repairs are $1,000 and 3 months later have repairs costing $2,500 more, so they pay only the difference of your car that they paid previously, which would be $1000 and you still would have to pay $1,500 out of pocket.

When you see that commercial again, write down the name and do a google search of complaints and if I am right, you will be glad you never buy this.

good luck