Buying a used car? How to get the best deal

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Buying a used car? How to get the best deal"

Transcription

1 Buying a used car? How to get the best deal Buying a used car can be tricky but you can help yourself We explain the difference between buying from a dealer, a private seller or from an auction. Our checklist tells you what to look out for when you inspect a car. We also give tips on paying for the car. And there is advice on what to do if the deal goes wrong. Before you buy Decide how much you can afford to pay - make sure you include running costs such as insurance, road tax, fuel, servicing, repairs and the cost of parking if using your vehicle to travel to work. Get quotes from insurance companies for several models of car - you may find that choosing a different model or a smaller engine size will reduce your annual insurance bill. Work out a fair price for the car you want - have a look through consumer car price guides and motoring magazines (both available from newsagents) to find out how much you might expect to pay for the year and model of the car you want. You can also search the internet for car price information. Ask around about the reliability of the car - talk to any colleagues or friends who have the same model or make, and consult motoring magazines and/or websites. Shop around - look at several different types of car from more than one seller so that you have a choice. Don t choose a make and model too soon or fall in love with a car. Check whether the car comes with a valid warranty - (or mechanical breakdown insurance) and what the terms and conditions are. Your rights when buying Your rights when buying used cars vary enormously - depending on who you buy from. You can buy used cars from dealers, private individuals, at auction or over the internet. On the following pages you can read about your rights in each case and what to watch out for. Buying from a dealer Your rights this can be the safest way to buy a used car but there are still dodgy dealers around. Look for an established firm with a good reputation - ask friends if they can recommend anyone. Dealers who are members of the Good Trader Scheme have passed checks and committed their business to providing a high standard of service. Dealers who are not members of the Good Trader Scheme may belong to trade associations which may mean they follow a voluntary code of practice. If they do, and you have cause to complain, it could be easier to resolve. See page 9 for address details. Ask for a copy of the code to see what it covers. Look for a garage whose cars have been inspected by a motoring association.

2 Your rights When buying from a dealer, the law says that a car must be: of satisfactory quality it must meet the standard that a reasonable person would regard as acceptable. This covers, for example, the appearance and finish of the car, its safety and its durability. the car must be free from defects, except those that were pointed out to you by the seller (there will be normal wear and tear when a car is used), and those which should have been uncovered by an inspection (but only if you inspected the car, or if someone did it for you). as described a car said to have one careful middle aged owner shouldn t turn out to have had three previous owners, who all drove the car as if they were in a rally. reasonably fit for any normal purpose it should get you from A to B - and for any other purpose that you specify to the seller - for example, towing a caravan. These rights are not affected by any mechanical breakdown insurance (often sold by second hand dealers if the manufacturer s warranty has run out), guarantee or warranty giving additional protection. It s a good idea to get a description of the car s condition from the dealer. Ask whether there is a pre-sale inspection checklist. Buying privately This should be cheaper than buying from a dealer. It could also be riskier too, for example, the car could be stolen. It may have been used as security for a loan or hire agreement and actually belong to a finance company. To help put your mind at rest use our checklist or arrange to have the car inspected professionally, and always check with one of the companies which keep databases of information about cars. Your rights you have fewer legal rights if you buy privately. The only rules are that the car must be roadworthy and must be as described. If a private seller lies about the condition of a car, you can sue for your losses. Some dealers pretend to be private sellers* to avoid their legal obligations and to get rid of faulty or over-priced cars. * If you think someone who says they are a private individual is in fact a dealer contact us on Signs to look out for include: ads giving a mobile phone number or specifying a time to call. You may be calling a public phone box rather than the seller s home. the same phone number appearing in several ads.

3 when you phone about the car, the seller asks which one? instead of showing you the car at their home, the seller wants to bring the car to you. Note that ads in classified sections of the newspapers with T or TS in the particulars indicate a trade sale. Buying at auction You can pick up a bargain at an auction but you need to know what you are doing. Your rights auctions can be a risky way of buying a used car. Auctioneers can refuse to accept responsibility for the quality of the goods they auction. Your only redress is with the seller and your usual legal rights may not apply if the seller issues a disclaimer, such as the term sold as seen. Go along as a spectator first and see what happens. Make sure you study the conditions of sale before bidding. Decide the maximum you can afford and stick to it. Once the hammer has fallen you can t back out. What to look out for Is the car in reasonable condition? Look at the car in daylight and when it is dry. Both bad light and rain can make faults difficult to spot. Our checklist gives an idea of what to look for, but, if you re not confident about cars, take someone with you or get the car professionally inspected. You should also take a torch so you can inspect those areas that are hard to see under normal lighting conditions. Take it for a test drive. If you are buying from a private individual make sure you are covered by your insurance or theirs. Walk away if the seller is not happy to have the car tested by a professional mechanic (motoring organisations and specialist companies offer this service). If the car has already been inspected ask to see the report. Make sure any deposit that is paid is subject to survey, so that it is returnable in case the mechanic s report advises against buying it. Check the service record book especially if the car is still under an extended warranty from the manufacturer. You may also want to check with your local dealer that they will honour the warranty, based on the car s service history. If you identify any significant faults you should either negotiate a price reduction, get the seller to fix the faults at their expense or walk away. Is it an insurance write-off? If a car has been in an accident, it may be unsafe. Sometimes, two damaged cars are welded together to create a new one. These are known as cut and shuts and are almost certainly unsafe. Our separate checklist tells you some of the signs that may point to accident damage.

4 Has it been clocked? Low mileage can be a selling point. But the clock can be turned back to reduce the number of miles shown. If the mileage is low but the wear and tear on the car looks heavy the car could have been clocked. See our separate checklist for other signs. Your rights the mileage reading forms part of the description of the car. Make sure the seller s invoice shows the mileage recorded at the time of sale. Sellers sometimes protect themselves by covering up the mileometer or issuing a disclaimer saying that the mileage may be wrong. To be valid, such a disclaimer must be at least as noticeable as the mileage reading and as effectively brought to your attention. Is it stolen? It can be hard to tell whether a car is stolen. Its identity may have been changed - for example, the identity number and number plate of a legitimate car may be transferred to a stolen one. Vehicle registration documents can be forged or obtained by fraud. Always ask to see the vehicle registration document and use the information on it to help you decide if the seller is telling the truth (see separate checklist). Your rights you can sue the seller for your losses but this might be difficult if you bought privately and the seller has disappeared. If you bought the car on credit you may still have to pay off the loan. It depends on the type of agreement you have. If you buy a stolen car, the police can take it from you to return it to the original owner or the insurance company if a claim has been paid. You will not get any compensation from the police, your insurance company or the original owner even though you bought the car in good faith. Does the car belong to a credit company? A car bought on hire purchase or conditional sale belongs to the finance company until the payments have been completed. Your rights if you buy a car with outstanding finance on it, the lender can take it back. The only thing you can do is sue whoever sold you the car - if you can find them. There are some limited exceptions to this. If you were not aware that the car was subject to an outstanding credit agreement and bought it in good faith, you may be allowed to keep it. This does not apply to stolen cars or cars that were subject to a hire or lease agreement. You will need to get professional advice on this. Paying for the car Once you have found the car you want, the next step is to negotiate a price and pay for it.

5 Negotiating a price Most used car prices are negotiable. You will be better able to negotiate if you have worked out a fair price for the year and model of the car. If you are buying from a dealer and want to trade in your old car you should work out a fair price for the old car, too. When trading in an old car it s important to consider the cost to change, for example cost of insuring the new vehicle, not just the purchase price or trade-in price. If you get a professional mechanic to inspect the car you want to buy, they will usually tell you how much they think the car is worth. Deposits Deposits are often requested by sellers as proof of your intention to buy and to reserve the car for you. If you pay a deposit and the firm goes out of business, or the individual disappears, you could get little or no money back. You should not pay anything in advance unless you have to - although sometimes it will be unavoidable. If you do pay a deposit make sure you get a receipt showing the company s name and address and the car details including registration, vehicle identification number and mileage. Check whether deposits are returnable, and if so, in precisely what circumstances, because if you do pay a deposit and then cancel the order, the firm could claim it is entitled to keep the deposit. Check whether the firm belongs to a trade association that runs a scheme to protect prepayments. If you are buying from a private individual, it is best not to give a cash deposit. Let the seller make you an offer and then negotiate. Ask for clarification if you re not clear about any part of the deal. You may get a discount if you pay by cash although cheques can be more easily traced if there is a problem. You may be able to negotiate a discount if you do not have a vehicle to part exchange or the dealer is organising a loan for you. Dealers earn commission by arranging finance, so try to bargain for part of the commission on the finance deal or arrange your own finance. Do not be afraid to say you want time to think or walk away if the deal s not right. Buying your car on credit Many dealers offer their own form of credit or will arrange credit for you. But it is always open to you to borrow the money from another source. For more information about taking out a loan please see the OFT website.

6 What to do if things go wrong Act promptly Go back to the seller, explain the problem and what you want done. If you aren t happy with the outcome get advice - contact us on If a dealer is a member of the Good Trader Scheme - contact us on If a dealer is a member of one of the trade associations listed on this page, they may be able to help. If you are a member of a motoring organisation they may be able to help if you have problems. Who to complain to The following are the details of the trade associations who should be contacted if you have a problem with one of their members. For complaints about RMIF members in Isle of Man, England, Wales & Northern Ireland The National Conciliation Service Retail Motor Industry Federation (RMIF) 9 North Street Rugby CV21 2AB Tel: For complaints about cars still under a manufacturer s warranty The Consumer Affairs Department Society of Motor Manufacturers and Traders Forbes House Halkin Street London SW1X 7DS Tel: Published by the: Isle of Man Office of Fair Trading Government Building, Lord Street Douglas, Isle of Man, IM1 1LE Telephone: (01624) Fax: (01624)

car? Buying a used www.gov.im/oft Office of Fair Trading

car? Buying a used www.gov.im/oft Office of Fair Trading HOW TO GET THE BEST DEAL I s l e o f M a n Published by the Isle of Man Office of Fair Trading Government Building Lord Street Douglas Isle of Man IM1 1LE T: (01624) 686500 F: (01624) 686504 E-mail: iomfairtrading@gov.im

More information

Buying a motorcycle. In the guide

Buying a motorcycle. In the guide Buying a motorcycle When you buy a new or second hand motorcycle from a trader, you enter into a legally binding contract. You are entitled to expect that the motorcycle is of satisfactory quality, fit

More information

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center Purchasing a Car Latino Community Credit Union & Latino Community Development Center PURCHASING A CAR Latino Community Credit Union & Latino Community Development Center www.latinoccu.org Copyright 2013

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Buying at auction What the law says In most circumstances when you buy goods, the law would require that they: match their description. This means they must be as described by the seller. This includes

More information

Your guide to... Buying your first car

Your guide to... Buying your first car Your guide to... Buying your first car Buying a car is a big decision. It can be exciting, confusing and costly. The information in this leaflet has been put together by Trading Standards professionals

More information

Consumer Guide for Motor Warranties. December 2011

Consumer Guide for Motor Warranties. December 2011 Consumer Guide for Motor Warranties December 2011 A CONSUMER GUIDE TO MOTOR WARRANTIES 1 A CONSUMER GUIDE TO MOTOR WARRANTIES Introduction Before buying a vehicle, you will probably carry out a great deal

More information

Vehicle purchasing guide

Vehicle purchasing guide Vehicle purchasing guide Buy from a licensed Wisconsin dealer and you are protected by Wisconsin's motor vehicle trade practice law. Dealers follow the law when they advertise, display, and sell vehicles.

More information

Making Sense of GAP Insurance How To Mind Your GAP

Making Sense of GAP Insurance How To Mind Your GAP Making Sense of GAP Insurance How To Mind Your GAP Customer Fact Sheet Guaranteed Asset Protection June 2012 MAKING SENSE OF GAP INSURANCE HOW TO MIND YOUR GAP 3 What is GAP insurance? If you re thinking

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Goods This fact sheet gives an outline of the law on the pricing and selling of goods, the choices you have if the goods are not satisfactory, and the steps you can take to solve your problem. Prices -

More information

Energy Performance Certificates in Northern Ireland

Energy Performance Certificates in Northern Ireland Selling a home This information applies to England, Wales and Northern Ireland Home Information Packs and Energy Performance Certificates in England and Wales Energy Performance Certificates in Northern

More information

Vehicle Replacement Insurance Gap Insurance Key Facts

Vehicle Replacement Insurance Gap Insurance Key Facts THIS POLICY SUMMARY This summary of cover is provided for ease of reference. It does not contain the full terms and conditions of the policy, which can be found in the policy document. This can be viewed

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

Buying on Hire Purchase

Buying on Hire Purchase Buying on Hire Purchase A Guide for Consumers The information in this booklet applies only to contracts entered into BEFORE 1 April 2005. For contracts entered into on or after 1 April 2005, see our booklet

More information

Car loans. Richie found it pays to shop around. How do car loans work? Factsheet. August 2011

Car loans. Richie found it pays to shop around. How do car loans work? Factsheet. August 2011 Factsheet August 2011 Apart from your home, a car is one of the biggest single purchases you re ever likely to make. If you don t have the cash to pay for it upfront, you ll need to borrow money. And,

More information

All About Autos. New Cars, Used Cars, and Repairs

All About Autos. New Cars, Used Cars, and Repairs New Cars, Used Cars, and Repairs Table of Contents Introduction...2 New Cars Lemon Law...4 The Importance of Car Titles...6 Used Cars As Is: No Warranty...7 Warranty...7 Online Car Auctions...9 Odometer

More information

Dr. Debra Sherrill Central Piedmont Community College

Dr. Debra Sherrill Central Piedmont Community College Dr. Debra Sherrill Central Piedmont Community College 2 Understand the types of installment loans. Identify ways to pay for college. Know how to purchase a car. 3 I. Introduction to Financial Terms II.

More information

The used car buyer s guide by Jason Dawe.

The used car buyer s guide by Jason Dawe. The used car buyer s guide by Jason Dawe. 1 Click on image to open book. Contents. 3 4 5 6 Click on the tabs to go to the start of each section. 7 8 9 2 Click on the print icon at any stage to print the

More information

Guide to buying a car

Guide to buying a car Where to start when buying a car? Before you get behind the wheel, it s worth taking time to research your options. From choosing between new and used cars to finding the right make and model, test driving,

More information

8 Questions to Ask Before Buying a Used Car

8 Questions to Ask Before Buying a Used Car 8 Questions to Ask Before Buying a Used Car When it comes to important and expensive purchases, buying a car is usually second only to buying a house. And unlike houses, cars are a depreciating asset.

More information

Types of cover. What is an insurance excess? What affects the price of my motor insurance? How to shop around for the best deal

Types of cover. What is an insurance excess? What affects the price of my motor insurance? How to shop around for the best deal The Consumer CouncilThe Consumer Council Contents Types of cover What is an insurance excess? What affects the price of my motor insurance? How to shop around for the best deal Tips for cutting the cost

More information

Reassurance guaranteed. Protect your motorcycle. AutoTrust Asset Protection

Reassurance guaranteed. Protect your motorcycle. AutoTrust Asset Protection Reassurance guaranteed Protect your motorcycle AutoTrust Asset Protection Introduction Title 2 x. Did If you don t know follow that the manufacturer s if your motorcycle is written off as service schedules

More information

New Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law

New Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law Buying a car is one of the most important and most expensive decisions most of us have to make. There is certainly no shortage of vehicles available, but buyers must know what to look for, what to ask

More information

Take the Wheel. Take the Wheel: Get the Best Car Deal

Take the Wheel. Take the Wheel: Get the Best Car Deal Take the Wheel: Get the Best Car Deal Seminar objectives Determine how much car you can afford Use a car inspection and test-drive checklist Negotiate the best car price Decipher financing options and

More information

Buy or Lease a Car. published by AAA Fair Credit Foundation

Buy or Lease a Car. published by AAA Fair Credit Foundation Buy or Lease a Car published by AAA Fair Credit Foundation Buy or Lease a Car 1. What is Leasing?................................................................. 2 2. The Pros and Cons of Leasing and

More information

driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips

driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips In the driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips Contents Don t drive into debt 2 Looking for a loan? 2 Choosing a policy 2 Applying for a policy

More information

Buying a car. a buyer s checklist

Buying a car. a buyer s checklist Government of Western Australia Department of Commerce Consumer Protection Buying a car a buyer s checklist Buying a car is a big investment for most people. Make sure you do your homework before doing

More information

NFDA USED CAR STANDARDS

NFDA USED CAR STANDARDS USED CAR STANDARDS NFDA USED CAR STANDARDS July 2013 2013 OUR PLEDGE TO OUR CUSTOMERS As a member of the National Franchised Dealers Association (NFDA), we commit to these Used Car Standards that give

More information

VEHICLE WRITE-OFFS MADE SIMPLE

VEHICLE WRITE-OFFS MADE SIMPLE VEHICLE WRITE-OFFS MADE SIMPLE Working with the profession to simplify the language of insurance DEALING WITH A WRITE-OFF OR TOTAL LOSS If you are involved in an accident and your car is damaged, provided

More information

PROTECT YOUR VEHICLE. Black Horse Motorcycle Finance Retail Price Protection GAP

PROTECT YOUR VEHICLE. Black Horse Motorcycle Finance Retail Price Protection GAP PROTECT YOUR VEHICLE Black Horse Motorcycle Finance Retail 2 Introduction Did you know that if your motorcycle is written off as a total loss through an accident, fire or theft, most motorcycle insurance

More information

Shop around for the best deal in insurance cover. You do not have to use the insurance company the car dealer recommends.

Shop around for the best deal in insurance cover. You do not have to use the insurance company the car dealer recommends. FACTSHEET BUYING A USED MOTOR VEHICLE Buying a vehicle can be one of the most important decisions you will make. There are a lot of traps, especially if you are buying a used motor vehicle. Get Your Finance

More information

FIT FOR THE ROAD? The information in this booklet applies to goods and services purchased before 17 June 2014.

FIT FOR THE ROAD? The information in this booklet applies to goods and services purchased before 17 June 2014. The information in this booklet applies to goods and services purchased before 17 June 2014. FIT FOR THE ROAD? WHAT YOU SHOULD KNOW BEFORE BUYING A MOTOR VEHICLE Watch your language Terms and definitions

More information

Safety guidance. Buying electrical goods online? The safe shopper s guide. electricalsafetyfirst.org.uk

Safety guidance. Buying electrical goods online? The safe shopper s guide. electricalsafetyfirst.org.uk Safety guidance Buying electrical goods online? The safe shopper s guide electricalsafetyfirst.org.uk Every year around 70 deaths and 350,000 injuries in UK homes are caused by faulty electrics and electrical

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

UK Breakdown Service. Policy Booklet. Need to make a claim? Lines are open 24 hours a day

UK Breakdown Service. Policy Booklet. Need to make a claim? Lines are open 24 hours a day UK Breakdown Service Policy Booklet Need to make a claim? 0800 022 4411 Lines are open 24 hours a day What to do if you breakdown If your vehicle breaks down call the 24 hour control centre immediately

More information

JAGUAR INSURANCE ASSET PROTECTION

JAGUAR INSURANCE ASSET PROTECTION JAGUAR INSURANCE ASSET PROTECTION 1 INTRODUCTION Did you know that if your vehicle is written off as a total loss through an accident, fire, theft or adverse weather conditions, most motor insurance companies

More information

USED CAR BUYING GUIDE

USED CAR BUYING GUIDE USED CAR BUYING GUIDE The information contained in this Guide is intended to be generic and is not intended to be a comprehensive guide to the laws and requirements of any particular state, country or

More information

Amotor vehicle accident results in two separate and distinct claims the bodily injury

Amotor vehicle accident results in two separate and distinct claims the bodily injury Wayne Howell, PLLC Basic Property Damage Information Amotor vehicle accident results in two separate and distinct claims the bodily injury claim, for which you generally engage an attorney, and the property

More information

Guide to home improvements projects

Guide to home improvements projects Guide to home improvements projects Top tips for anyone about to have some work done in their home March 2012 OFT1408 Crown copyright 2012 You may reuse this information (not including logos) free of charge

More information

Buying a Used Car. Before You Look For a Used Car, Consider

Buying a Used Car. Before You Look For a Used Car, Consider Buying a Used Car This guide explains your protections under the FTC's Used Car Rule and offers some shopping suggestions, even if you are not buying from a used car dealer. Before you begin looking at

More information

After a Car Accident. Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer

After a Car Accident. Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer After a Car Accident Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer When your vehicle is damaged and it s someone else s fault, you have certain rights under North

More information

Q2: What does Lemon Law cover? Does it cover secondhand goods and sale/discounted items?

Q2: What does Lemon Law cover? Does it cover secondhand goods and sale/discounted items? Lemon Law FAQs Background Q1: What does the new law provide for? A1: More Clarity on Burden of Proof and Rights Period: Under the Lemon Law, if a defect is detected within 6 months, it is presumed that

More information

ON THE ROAD. License. Automobile Insurance

ON THE ROAD. License. Automobile Insurance ON THE ROAD License The minimum age, to obtain a driver s license in New Hampshire, is 18 years old. Individuals between the ages of 16 and 18 may obtain a drivers license, with permission from their parent

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

insure2drive Private Car and Small Commercial Vehicle Policy Summary

insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive is a trading name of Sabre Insurance Company Limited. Any reference to insure2drive in this document will mean Sabre Insurance

More information

What s your Consumer IQ?

What s your Consumer IQ? What s your Consumer IQ? How savvy a consumer are you? Take this quiz to see how much you know about consumer issues, laws and scams. 1. You receive a credit card offer in the mail. According to the big

More information

ABOUT YOUR VEHICLE DAMAGE CLAIM

ABOUT YOUR VEHICLE DAMAGE CLAIM ABOUT YOUR VEHICLE DAMAGE CLAIM Section I Introduction When you are injured in an automobile accident and the other driver is at fault, your personal injury claim is handled separate from your vehicle

More information

TOTAL LOSS PROTECTION (TLP) INSURANCE POLICY

TOTAL LOSS PROTECTION (TLP) INSURANCE POLICY TOTAL LOSS PROTECTION (TLP) INSURANCE POLICY Scheme Reference UKG/Ageas/CCP/Jardine Motors Definitions Whenever the following words or expressions appear in Your policy they have the meaning given below.

More information

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE Act quickly after an accident and call us now on 0800 783 6066 2 DASDRIVE ULTIMATE If you ve been unfortunate enough to have been involved in a motor

More information

Your rights to return goods bought online a scan of the return policies of online retailers in Australia

Your rights to return goods bought online a scan of the return policies of online retailers in Australia Your rights to return goods bought online a scan of the return policies of online retailers in Australia December 2011 Overview In December 2011, Consumer Action Law Centre looked at the refund and return

More information

guide Consumer for international students Contact NSW Fair Trading NSW Fair Trading What we do

guide Consumer for international students Contact NSW Fair Trading NSW Fair Trading What we do Contact NSW Fair Trading If you have problems with refunds, warranties, consumer guarantees, buying a car, renting, buying a house or scams visit our website at www.fairtrading.nsw.gov.au or call 13 32

More information

GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX

GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX FIRST STEPS 1. When an accident happens involving one of my vehicles what should I do? 2. When should I contact Gauntlet? 3. Are photographs important?

More information

YOUR GUIDE TO. A checklist for buying a

YOUR GUIDE TO. A checklist for buying a YOUR GUIDE TO A checklist for buying a house or apartment in NSW. Do I really need a solicitor to make an offer on a house? The answer is that buying a home is often the biggest financial decision we ll

More information

GAP insurance Protecting your investment

GAP insurance Protecting your investment GAP insurance Protecting your investment Current statistics indicate the risk of your vehicle being stolen or written off is now greater than ever before. Around 315,000* vehicles are stolen every year,

More information

Buying a used car? Check it don t regret it!

Buying a used car? Check it don t regret it! Buying a used car? Check it don t regret it! Autumn 2013 Introduction This briefing provides an introduction to the often problematic issue of buying a used car, and explains how you and your organisation,

More information

Administered on behalf of your dealer by: Gold Dealer Care Extended Guarantee Effective from 20/05/2015

Administered on behalf of your dealer by: Gold Dealer Care Extended Guarantee Effective from 20/05/2015 Administered on behalf of your dealer by: Gold Dealer Care Extended Guarantee Effective from 20/05/2015 2 Contents Section Page Contents... 2 Welcome... 3 Gold Guarantee... 4 Optional additional items...

More information

International students

International students International students Consumer guide were aware of a fault before you bought the product do not have a receipt or proof of transaction. Read more about Refunds on the Fair Trading website. In Australia,

More information

Bank accounts Know your rights

Bank accounts Know your rights July 2012 Bank accounts Know your rights Want to know where you stand with your bank or building society? We explain your rights and how to use them. www.fsa.gov.uk/consumerinformation Follow us @FSAconsumerinfo

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

EXTENDED WARRANTY INSURANCE MADE SIMPLE

EXTENDED WARRANTY INSURANCE MADE SIMPLE EXTENDED WARRANTY INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS EXTENDED WARRANTY INSURANCE? When you buy something new for your home, such as a washing

More information

A Guide to Buying a Used Car

A Guide to Buying a Used Car A Guide to Buying a Used Car Before buying a car, it is wise to look at car magazines, newspapers, talk to friends and workmates and shop around. There are different places you can go to choose a used

More information

Optima Car Insurance. Policy Summary

Optima Car Insurance. Policy Summary Optima Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

Optima private car insurance

Optima private car insurance abc Optima private car insurance This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

BUYING A USED CAR. Copyright Permission Data Wizard/Humboldt 2003, Scott Keele

BUYING A USED CAR. Copyright Permission Data Wizard/Humboldt 2003, Scott Keele BUYING A USED CAR VOCABULARY and DEFINITIONS Anti-lock brakes: Brakes that won t lock up, a computer in the car pumps the brakes on and off so the car will not skid. As Is: Buyer beware, the car is sold

More information

optimizer Key Facts An introduction to the benefits available to you through the optimizer Salary Sacrifice Car Scheme.

optimizer Key Facts An introduction to the benefits available to you through the optimizer Salary Sacrifice Car Scheme. optimizer Key Facts An introduction to the benefits available to you through the optimizer Salary Sacrifice Car Scheme. What is optimizer? Optimizer is a new kind of car scheme that gives you access to

More information

YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. Car Buying 101

YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. Car Buying 101 YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. HOW MUCH CAN YOU AFFORD TO SPEND? RESEARCH, RESEARCH, RESEARCH BEFORE YOU SHOP. A good rule of thumb is to consider a monthly auto payment that should

More information

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

Insurance. Registered and Head Office - The Dudson Centre, Hope Street, Hanley, Stoke- on- Trent, Staffordshire ST1 5DD Tel: 01782 683030

Insurance. Registered and Head Office - The Dudson Centre, Hope Street, Hanley, Stoke- on- Trent, Staffordshire ST1 5DD Tel: 01782 683030 Insurance Risks and legal responsibility It is up to your management committee, board, or trustees to identify and manage risks for your organisation, as well as understand their own legal obligations

More information

Instructor Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum

Instructor Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Loan to Own Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum TABLE OF CONTENTS Page Module Overview 1 Purpose 1 Objectives 1 Time 1 Materials and Equipment Needed to Present

More information

Understanding Vehicle Financing

Understanding Vehicle Financing Understanding Vehicle Financing Understanding Vehicle Financing With prices averaging more than $31,000 for a new vehicle and $17,000 for a used model from a dealership, you might consider financing or

More information

JUST BEGINNING. Your financial life is. I m Buying a Car!

JUST BEGINNING. Your financial life is. I m Buying a Car! Your financial life is JUST BEGINNING. The decisions you make now will put a steering wheel and a credit card in your hands. But they will also affect your financial future. Your choices may even prevent

More information

Home Renovations and Repair

Home Renovations and Repair Home Renovations and Repair June 2005 This tipsheet is intended to provide general information and is not a substitute for legal advice. This tipsheet has two parts: general information about hiring any

More information

Get smart before buying and selling property

Get smart before buying and selling property Get smart before buying and selling property About the Real Estate Agents Authority (REAA) If you have a problem with an agent please let us know. We re independent and we re here to help buyers and sellers

More information

Credit cards Your rights- a consumer guide

Credit cards Your rights- a consumer guide Credit cards Your rights- a consumer guide Credit cards are a very safe and convenient way of paying for things in shops at home, online or around the world. Unlike cash or cheques, if something goes

More information

AAMI COMPREHENSIVE CAR INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE

AAMI COMPREHENSIVE CAR INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE AAMI COMPREHENSIVE CAR INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE Your Guide to Premiums, Excesses, Discounts and Claim Payments This AAMI Comprehensive Car Insurance Premium, Excesses & Claims Guide (Guide)

More information

Wholesaling Mark Ferguson

Wholesaling Mark Ferguson TRANSCRIPT OF EPISODE 14 OF THE INVEST FOUR MORE PODCAST Wholesaling Mark Ferguson Mark: Hi everyone. Mark Ferguson here with another episode of the Invest More Real Estate podcast. Today is just going

More information

Replacement Vehicle Car Insurance Policy

Replacement Vehicle Car Insurance Policy Replacement Vehicle Car Policy Express Services - Replacement Vehicle Policy Summary Express Services - Replacement Vehicle Policy Policy Summary This is a summary of available under the Express Services

More information

66 Ways to Save Money

66 Ways to Save Money A WorkLife4You Guide 66 Ways to Save Money For most kinds of purchases, you can get valuable advice and comparisons on the Internet. Ask a librarian or friends which Internet sites they think are helpful,

More information

DRIVING RELATED ISSUES. Student Legal Service University of Illinois at Urbana-Champaign

DRIVING RELATED ISSUES. Student Legal Service University of Illinois at Urbana-Champaign DRIVING RELATED ISSUES Student Legal Service University of Illinois at Urbana-Champaign License Issues You are not required to obtain an Illinois Driver s license while you are enrolled as a student in

More information

This section applies to you if the Accident was not your fault and you have been provided with a replacement vehicle.

This section applies to you if the Accident was not your fault and you have been provided with a replacement vehicle. PAA Scheme - Terms & Conditions Accident Not Your Fault? In the unfortunate event of you having an accident that was not your fault, we ll get your vehicle recovered from the accident scene (if it s not

More information

$uccessful Start, Sponsored by the Office of Student Services, Presents: HOW TO PLAN FOR MAJOR PURCHASES

$uccessful Start, Sponsored by the Office of Student Services, Presents: HOW TO PLAN FOR MAJOR PURCHASES $uccessful Start, Sponsored by the Office of Student Services, Presents: HOW TO PLAN FOR MAJOR PURCHASES MAJOR PURCHASES Borrowing money Car Options* Leasing (or do you want to own a wasting asset) Buying

More information

ABOUT SHOPPING TALK. talk about shopping. Consumer and Business Services. Head office Chesser House 91-97 Grenfell Street Adelaide SA 5000

ABOUT SHOPPING TALK. talk about shopping. Consumer and Business Services. Head office Chesser House 91-97 Grenfell Street Adelaide SA 5000 Consumer and Business Services Head office Chesser House 91-97 Grenfell Street Adelaide SA 5000 GPO Box 1719 Adelaide SA 5001 DX 225 Tel: (08) 8204 9777 Fax: (08) 8204 9763 www.cbs.sa.gov.au TALK ABOUT

More information

BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER?

BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER? BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER? This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY Ted was desperate

More information

We are the chosen providers of vehicle finance for the Mitsubishi dealer network, with a range of hire purchase and contract hire products

We are the chosen providers of vehicle finance for the Mitsubishi dealer network, with a range of hire purchase and contract hire products Your new VEHICLE Your new car Find the right finance product for you with a range of options from Finance and Contract Motoring. Drive away in your new or used vehicle with a finance arrangement that is

More information

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Simple Financial Records for a Small Business

Simple Financial Records for a Small Business Simple Financial Records for a Small Business December 2014 March 2015 A GUIDE TO SIMPLE FINANCIAL RECORDS FOR A SMALL BUSINESS CAVEAT This guide aims to help you set up simple financial records for your

More information

Depending on the size and complexity of your project, you may choose to work with a number of different professionals:

Depending on the size and complexity of your project, you may choose to work with a number of different professionals: FEDERAL TRADE COMMISSION CONSUMER INFORMATION consumer.ftc.gov Hiring a Contractor Whether you re planning an addition for a growing family or simply getting new storm windows, finding a competent and

More information

You Can Buy a Home The keys to Homeownership

You Can Buy a Home The keys to Homeownership You Can Buy a Home The keys to Homeownership The keys to homeownership Buying a home is one of the most important purchases you ll ever make. Owning your own home helps you build wealth, save on taxes

More information

Auto Buying. Tips for you to get the most out of your auto dollars

Auto Buying. Tips for you to get the most out of your auto dollars Auto Buying Tips for you to get the most out of your auto dollars Table of Contents 3 Factors to Consider When Buying a Vehicle 3 Car Buying Tips 4 Car Buyers Worst Mistakes 5 Buy the Safest Car You Can

More information

LISA MADIGAN. Home Repair and Construction

LISA MADIGAN. Home Repair and Construction OFFICE OF THE ATTORNEY GENERAL STATE OF ILLI NOIS LISA MADIGAN ILLINOIS ATTORNEY GENERAL Home Repair and Construction If you are like most Illinoisans, your home is your most valuable financial asset.

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

Your Car Insurance Policy Summary Booklet

Your Car Insurance Policy Summary Booklet Your Car Insurance Policy Summary Booklet Contents Welcome to Brightside car insurance...4 Car Policy Summary...6 About Brightside car insurance...6 Summary of Cover...6 Claims and Glass Helpline...6 Insurer...6

More information

Your policy summary. If you have an accident...call us straight away on 0844 891 5391.

Your policy summary. If you have an accident...call us straight away on 0844 891 5391. Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important

More information

Consumer Guide to Extended Warranties. December 2011

Consumer Guide to Extended Warranties. December 2011 Consumer Guide to Extended Warranties December 2011 A CONSUMER GUIDE TO EXTENDED WARRANTIES 1 A CONSUMER GUIDE TO EXTENDED WARRANTIES Introduction Before buying an expensive new item such as a washing

More information

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M Please read this policy and keep it for reference Contents Page Section A Policy Summary 2 Section B Additional Important

More information

travellers in Perth Shopping tips for Western Australia Welcome to Enjoy your stay

travellers in Perth Shopping tips for Western Australia Welcome to Enjoy your stay Government of Western Australia Department of Commerce Consumer Protection Shopping tips for travellers in Western Australia Welcome to Perth Western Australia Enjoy your stay Travellers consumer tips

More information

Frequently Asked Questions by Employees. Fuel Efficient Car Lease Scheme. An employee benefit offered by the University of Birmingham

Frequently Asked Questions by Employees. Fuel Efficient Car Lease Scheme. An employee benefit offered by the University of Birmingham Frequently Asked Questions by Employees Fuel Efficient Car Lease Scheme An employee benefit offered by the University of Birmingham If you have any further questions or would prefer to talk to someone,

More information

Replacement Vehicle Van Insurance Policy

Replacement Vehicle Van Insurance Policy Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary

More information

Frequently Ask Questions

Frequently Ask Questions Frequently Ask Questions This document has been prepared to answer questions that you are likely to have on the new SalarySacrifice4Cars scheme ( the car scheme ). It is set out in 3 sections The car scheme

More information