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4 6 :.CIitheroe Advertiser &Times, Thursday, August 20th, 2009 NEW REGISTRATION GUIDE


59 '■J


Jonathan Crouch con­ siders the vexed ques­ tion Of motor insur-; 'ance and how to get> the best deal...


. ^ HOPPING^around for insurance cover can pay ; dividends. It sounds an '


hensive is always the best policy - insurance always seems expen­ sive until you need it; Most of us


r .wdl accept that premia, howev­ er ruefully after that first serious'


i prangiBut what':istharditor accept is how difficult it is t o ;


: shop around and get a .'sensible' ;, insurance quote'in the.first;, place.' ,


I


obvious thing to say, but so few'* people do it. Many, insurance * companies are prepared to offer* special packages'for family ,: cover, female owners and drivers, > even for nondrinkers.


f ■ You could be saving a packet, v


particularly if you ask for a: selection of quotes before you' decide. , 'Where you live, the make and age of car you drive, the engine •; size and other factors all natu- •: rally come in to play. You’ ll be -, expecting to answer questions ‘ about no claims bonuses, acci- '- dents, convictions, age, address and profession. What you might not be ready


;:**’ If the answers to the insur-:-;


-ance company’s searching ques-1 tidns reveal that you’re such an inoffensive, low risk person that you iron creases in your jeans or fold your pyjamas neatly, then you’ll have no trouble at d l and pay peanuts in premiums.But let them sniff the first hint of a 'hot hatch', dubious postcode or ■; a peccadillo in your driving- youth and your premium can; rocket;-however careful you might think you are., ' - Even when you have a fairly :


for are the more searching ques- ■ tions some companies are now asking to gauge the 'lifestyle' of potential customers. Have you a child?; do you smoke - and if so, • how many a day?; is your home rented or mortgaged? ; . - ; . Once you've provided all the


answers, you have to choose • which type of cover you prefer. If ■ you can afford it, fully compre­


ordinary request, the variation in quotes, no claims bonuses and excess ; ; options can produce a mysti-:i Tying variation in quotes. 'Your , insurance broker might well be _ fed up that the companies he. * deals with are selling direct and * undercutting him. Yet, don’ t write the little people off. Woman’s View Editor.Vanes-,


sa Hinkley tells me that it was * her loyal broker who got the best deal on her


: ’;*modest Mazda 323, against competition from Direct Line,


; hillendaIe.co.uk. . motorstoday.co.uk motorstoday.co.uk 59


* easy to service and cheap to run; . ask about the insurance group-.


ing too. . Of course, the people who get hit hardest by the insurance:


: companies are young drivers -. those who can least afford the


'-high premiums'. If that’s you, what can you do?


. : .Well, if you only need a car to get out and about at weekends, you might well be able to share your mum's, especially if hers is the second car in the family. It


■ will probably, work out cheaper on insurance, too, as your par-* ents' broker should be able to ' add you to the schedule without too much trouble and.without:


■ . - - i


• sending the premium through' the roof. Providing of course, that the family car isn’ t a souped-up GTi or other sporty model. ,


;. Shop around all the same-the


_ best deal for your parents alone won't necessarily mean the best * overall when your name goes on-;


ence. Fully comprehensive insur-


: ance, as I suggested earlier, '..would obviously be the ideal -cover, but you might not be able . to stretch to that initially. ; -However, don’t-dismiss it out of hand.;In many cases, the dif- * ference between third party and fully


- ;. comprehensive could be as low ; as £40 for a small car like a Vauxhall Corsa, for example. If you can afford it, it would be well worth paying out the extra, which would give you cover for damage to your car and to any


: other involved in an accident, whether you were at fault or not.


•;;: Your broker might also advise taking out legal protection insurance, which is available generally for around £10 a year.


AA and Mazda itself. : - * , You should be able to cover a


mid-range car like this one for one or two named drivers for well below £40 a month fully comprehensive; less if you have a few years' no claims bonus to


chip in. One sure way to keep insur­


ance down is to select your car with the premium in mind. Next time you go out to buy a new one, don’t just think about a budget priced alternative that's


■ the policy.-The same will apply when you do finally get around ■ to insuring your own car. As I’ve said, rates do vary considerably from policy to policy - and the big national companies with the freephone numbers won't auto­ matically give you the cheapest quote. If you don't feel confident


with all the jargon, go through the small print in the policy with someone who has more experi­


;Tn the event of an accident, a solicitor would be appointed immediately and would then reclaim the damages for you, which could .be speedier than leaving it to the insurance com­ panies.


. : Nor should you have to find your annual premium in a lump sum. Your broker might well be able to arrange payment by monthly.or quarterly direct debit if that would suit you bet­ ter - though he or she may well charge you for the privilege. Get the best cover'you can afford - and remember, insurance is expensive until you need it. '


NEW REGISTRATION GUIDE more offer at version. - .Popping in to your local


-Vantage Toyota Centre, you will also see some more new additions to the range.


B pH E introduction


: I of a new registra- I tion plate, like the


59 registration that launches on September 1st, always leads to a busy time at "Vantage,


Toyota. However, there is even


more reason than the new 59 registration plate to -visit Vantage Toyota right now. . An incredible amount of


developments,have taken place at Toyota in 2009 and the Vantage Toyota team has been introducing their customers to some new.


models and some new inno­ vations all year.


- This year has seen the introduction of Toyota Optimal Drive. Put simply, this means that Toyota has. taken a close look at its entire range of engines and made them even more effi­ cient. For customers, this


■means enhanced perform­ ance but less CO2 and bet­ ter fuel economy wherever you see the Toyota Optimal Drive badge. So customers benefit


from lower running costs and lower road tax. This new technology has


been applied to a whole new range of cars too in an unprecedented number of new model launches so far . this year.


\ ,


, January saw the intro­ duction of the amazing new city car, the Toyota iQ. The iQ is the world’s smallest four-seater passenger car and has new funky looks and great specification lev­ els also come with the bene­ fit of Toyota Optimal Drive. So efficient is the one


litre petrol engine, that you can achieve 65.7 miles per. gallon (combined) and pay £0 road tax in the manual


- The new 2009 Avensis was launched in January along­ side the iQ and also benefits from Toyota Optimal Drive. Joining them more recently have been the new 2009 seven-seat Verso and the all-new Urban Cruiser, a compact urban crossover car with the styling of an SUV but the economy you will need from a family car, plus a great level of specifi­ cation including privacy glass and Bluetooth as standard. - Then there is the new


2009 Prius, Toyota’s flag­ ship hybrid car which runs on a combination of 1.8 litre petrol engine and a


battery to produce an incredible 72.4 miles per gallon from a family car. It has not escaped most


people’s attention that the 89 grams per kilometre of CO2 that the Prius emits, means that it is Road Tax free too. In short, it seems that


there has never been a bet­ ter time to pop in a test drive with Vantage Toyota. A range of customer sav­


ings are available, such as £1,000 off any Toyota Auris, and when combined with Toyota new finance plan, AccessToyota, your new Toyota could be more affordable than you might have thought.,


' Toyota is also participat­


ing in the UK Scrappage Scheme, which means that if you have a 10-year-old car that meets the Govern­


ment’s criteria, the iQ is available from just £7,615 on the road. Naturally, given all the


developments.2009 has brought,- Vantage Toyota are experiencing high levels; of demand, and has been , taking orders for the new 59 registrations for several.* months. - If you have never consid­ ered a Toyota, perhaps now .


is the time to pop down and take a fresh look and try one for yourself on a test drive to experience the leg-: endary quality and econo­ my.


- •


. Vantage -Toyota has centres in Preston, Black­ burn and Colne as well as three Centres in Yorkshire. You can find out more and book your test drive at www.vantage.toyota.co.uk


hillendale.co.uk Clitheroe Advertiser &Times, Thursday, August 20th, 2009 47


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TOYOTA


scheme can help you to


Includes £1.000 1


/ Govemien! Scrappag» and £1,205


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' . hyudar Top-up Plus ■ -A:rcc.'*.Cftt:n:iw,-.LJe:lnc trcni Ydnao-.-.-st.


I i i I aSONG-ESTABLISHED comprehensive ; ; ,| /- ly -ru r i motor dealers C.J. Hardie -five-year warranty for complete peace of


^'BMiand Son of Colne are'offering some 'ioind...;f',;.^'-” i7^’;^ ^ . ~ great deals under the Government’s C.J.'Hardie & Sonj)ffer full dealership


Lscrappage'scheme for Hyundai il0,.i20'“ facilities.and^if you require fmance to asist *


*'’and i30 models/*' ___ ' C.J. Hardie’shavebeent'H^ndatddaP^^^


' "with the purchase.of your car, then they a ’range of competitively


•x ership since 1986 so they■certaihly khowftP'^*®®^. Packages that,can.be tailored to


;.(.■ how dependable and reliable these cars are ..‘lyutu-specificcircumstances.-^^s.v-.rt-'.. ,.r.*. as well as being great fun to drive.


*: ilO Classic 1.2; Fuel consumption in mpg (l/tOOion); Urban44.8 (6B), Extra Urban 65.7 (4.3), Combiii^'^.5 $ , '


(5.0),C02 Emissions 119g/km. */,


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i20 Classic;1.2 3dr (2010MY): Ftiel consumption in mpg ('i/iOGism);;UrDan 44.r (6.4), &ta Urban 62.8 (45), Combined M.3 (5.2),v; '


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scheme you can now own one at a hugely option. discounted price.


f - ■ '/The friendly sales team atJD.J.Hardie is


-... "With the government’s Scrappage f“ iiy trained to help you chroose the best ' .


' Why not rail into C.J. Hardie & Son to


V;; i .Take the ilO for example, if you hdve a'W^iew the affordable the exciting range_ of i - lO-year old or more car to trade in then*;; Hyundai cars and arrange your test-drive you could drive away this fantastic Citycar ’ today? ' from just £5,195/ '// ' j -


•' , ^ ' Call (01282) 863896 or visit the dealer-


Alternatively, the i20 Supermini starts ; ship at North 'Valley Road Garage, Colne, ffom £6,595 and the i30 family hatchback .:* Lancashire, :BB8 9LJ. You can also .visit , . from an incredible


^^.^^^ gjjjardie.co.uk or All - three , models are covered- by ,■ email them at enquiry@cjhardie.co.uk


> Mddeisshoil vS''^ TR Vn vnm iz d o o r manual n o 060.-'price includes customer saving of £500. metallic pamt £400 extra. Auris TR133 ofnoingtopressandinclude\/ATdelivetych3rge,numberplates.oneyear’sroadltindlicenceand£55firstrcg!sttationfee.Subjerttoavailabilitv


Yaris TR1 n \/\/-r-i Fuel(:onsumptionSesrmpg(l/100km),Urban39.8<7.1),ExtraUrbanSS.4<5.1>,Combined48.7<58>.CO2Emissionsl36g/km • _


in mpg <l/100km>, Urban 47.1 <6.0>, Extra Urban 62.8 <4.5>, Combined 56.5 <5.0>. CO2 Emissions 118 g/km. Auris TR 1.33 WT-I Official ' -


j.Prices correctattime : .


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