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A provider specialising in pay as you go car insurance has created a new policy for vehicle owners who drive only occasionally.

The new product – a first for the UK market – requires the car owner to take out a monthly subscription of between £10 and £30 that then has to be topped up for each hour the vehicle is used.

Cuvva, which already offers by-the-hour insurance cover for individuals to drive vehicles belonging to friends and family, said car owners will have to pay from £1.20 each time they want to get behind the wheel.

Drivers have to pay £10-£30 for a monthly subscription that covers the car when not in use.You pay from £1.20 per hour each time you want to drive the vehicle

Aimed at younger drivers who live in cities and cover less than 4,000 miles a year in their car

Cuvva says it could save some drivers up to 70% on a standard insurance policy

The cover is aimed at ‘young city dwellers who pay high insurance premiums for cars that are driven for fewer than 4,000 miles a year’, the Edinburgh-based insurer said.

According to Department for Transport and DVLA figures, there are approximately six million cars in the UK that are described as being driven ‘very infrequently’.

Cuvva said these low-mile drivers are forced to pay hefty premiums despite spending little time on the road, effectively subsiding higher-mileage motorists

As a way of cutting their costs, it offers drivers the choice to pay a monthly subscription that ranges from £10 to £30 depending on the car and where the person lives.This fully-comprehensive subscription insures the vehicle when it’s parked up at your home and not in use.However, when the owner decides they need to drive somewhere, they then have to pay from £1.20 for every hour they’re behind the wheel using a top-up service on the Cuvva app.Unlike it’s existing pay-as-you-go insurance service based on a driver being able to get behind the wheel of any car, the subscription cover is for one vehicle only.If two people share a car they would need two subscriptions in order to drive it.As with conventional insurance, users will earn a no claims discount at the end of a 12-month subscription, which is then fully transferable.

The monthly subscription can be cancelled at any time at no cost, though drivers run the risk of a fine from the DVLA if the vehicle isn’t insured by another provider or declared off the road – or SORN – at the end of the 28-day subscription period.

For more information please go to www.cuvva.com

 

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Driving In Snow

Before you set out

  • Check tyres for adequate tread. Poor tyres will not grip when driving on snow and ice. If you live in an area where snow is common it might be worth changing to winter tyres with deeper tread
  • Use a good quality screenwash that protects down to at least -35 to prevent the water from freezing. If you don’t, your windscreen wipers could be rendered useless in extreme conditions
  • Allow more time in the morning to clear car windows and mirrors of snow before setting off
  • Use lukewarm water or de-icer to defrost the outside of your vehicle. You should never use hot or boiling water
  • Make sure any auto wiper control is switched off before turning the ignition on as this could blow the wiper control fuse if they are frozen to the screen
  • Be prepared for every eventuality by ensuring that your car is equipped with the following: demisting pad, torch (wind-up so you don’t run out of battery), spare screenwash, de-icer, ice scraper, blanket, shovel, phone charger, map and a square of carpet that you can use to put under your drive wheels should you get stuck in the snow.
  • Remove snow from the top of your car. Otherwise breaking sharply could cause snow to fall onto the windscreen and hamper your vision or another driver’s
  • Do you need to use snow socks?

The following tips should always be followed when driving in the snow

  • When driving in snow its important to accelerate gently, use low revs and change up to a higher gear as quickly as possible. You may need to move off in second gear as this will help reduce wheel slip
  • You may need to leave as much as 10 times the normal recommended gap between you and the car in front
  • If you do encounter a skid, steer gently into it – for example, if the rear of the car is sliding to the right, steer to the right. Do not take your hands off the steering wheel or stamp your foot on the brakes
  • If the road has not been gritted, be wary of driving in the wheeltracks or other vehicles as compressed snow is likely to be more icy than fresh snow
  • Controls such as the brakes, as well as the steering, accelerator and even gear changing should be operated smoothly and slowly
  • Sunglasses can help to reduce the glare of low winter sun on the snow
  • Keep your speed down and allow more time to stop and steer

De-icing your vehicle

We recommend allowing about 10 minutes to clear your windscreen thoroughly using a scraper and de-icer if necessary. Don’t forget about the other windows and your mirrors as well … they’re just as vital for safe visibility and are often ignored, limiting your vision, especially at junctions.

Don’t be tempted to pull away until the windscreen is fully clear – it can be dangerous and the Highway Code states it is illegal to drive with poor visibility.

Plan ahead to save time in the mornings, either by putting an windsreen cover on the night before or getting up a little earlier so you have plenty of time to de-ice your vehicle.

Never pour hot or boiling water on your windscreen, otherwise you run the risk of cracking the glass and an expensive repair bill. If you don’t have any de-icer, you could use lukewarm water.

It’s also a good idea to carry a lock de-icer with you to clear your lock. If your locks do get frozen, try warming the key or spraying de-icer or an oil-based lubricant into the lock.

Finally, ensure all your vehicle lights, front and rear, are free from frost and/or snow – a thick film of frost on the lens can affect the intensity of the lights, making it difficult for other road users to see you or your signals.

If you use the vehicle’s heater /screen demister, don’t leave your car unattended while you wait for it to defrost as you run the risk of having your vehicle stolen.

RAC Driving in the snow.

www.thedrivingskool.com

Our tips for tackling driving test nerves will make sure you keep your cool on the day.

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Your instructor will often recommend a mock test before the real thing. Make sure you’ve attempted at least one of these – preferably several – and that you can pass them before you even apply for the real thing.The night before your test, make sure you have all the documents you need for your test ready. These include your driving licence, theory test certificate and confirmation email/letter of the appointment.

Familiarise yourself with the test centre

It’s a good idea to visit the driving test centre before the test itself, especially if you haven’t already been there during your lessons. This will help you get used to the location and understand what goes on inside the centre. It’s best to get there early on the day, as rushing will just add to your nerves.

Eat and drink well

Have a banana for breakfast. Bananas are well known among instructors as the driving test superfood, as they’re full of B vitamins and contain tryptophan – a type of protein that the body converts into serotonin, the ‘happy hormone’ – which will help calm your nerves keep your mood upbeat.Nerves can reduce your appetite but it’s important to at least eat something so you have enough energy for the day and can concentrate. Don’t drink energy drinks or too much coffee before a test, as caffeine can heighten your nerves.

The waiting game

Sitting in the waiting room before your test is often the time when people feel the most anxious so it’s a good idea to bring a distraction such as a book or a game on your phone.Breathing exercises are an effective calming technique so focus as you inhale and exhale – this will have a soothing effect and stop your heart from racing. Laughing is also a great remedy for nerves and helps to boost your mood, so why not watch or read something that really makes you giggle? Remember that this is the worst bit – most people find their nerves ease once they’re on the road.

In the car

The examiner is human and they’re not there to fail you – they want you to pass – so don’t be afraid to talk to them as it may put you at ease. There’s nothing wrong with asking the examiner a question or to repeat an instruction if you didn’t hear it, either.Open the window to let in some fresh air if you’re feeling hot and flustered – this can also help to keep you alert. Watch your speed too – when people sometimes speed up when they’re nervous, so just imagine you’re on a normal lesson, breathe and focus.

www.thedrivingskool.com

 

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In a recent survey it has been revealed that 52% of children prefer to be driven by Dad rather than Mum, despite Dad’s taking more risks.

The study by Ingenie, a young driver insurance brand, shows the incredible amount of parents’ driving behaviour that their kids are absorbing from a very young age. The kind of in-car bad habits that the study focused on revealed that a quarter of dads regularly portrayed unsafe driving.

26% of dads showed a habit of accelerating too quickly and 22% speeding when driving, compared with a considerably lower percentage of mums (11% and 22% respectively). Despite this over half (52%) of children preferred being driven by Dad than Mum (39%).

The research consisted of children aged between 10 and 16 years old, as they declared that they frequently witnessed their parents committing similar transgressions with dad proving to be the biggest culprit. Almost half (43%) of dads get angry behind the wheel, which proved to be a huge difference to a fifth (18%) of the mums that adopted the same trait.

Children also revealed that 57% of Dads shout at others whilst driving compared to 44% of Mums, and Dad is 13% more likely to swear in the car than Mum.

With this in mind, it’s surprising to see that over a third (34%) of children would rather have their dad teach them to drive than their mum (25%). These findings could reflect on the children not seeing these bad driving habits is a serious matter and misunderstand that they are actions that are not accepted.

Richard King, Ingenie CEO, said: “The results that we are teaching children bad driving habits long before they start lessons and subsequently pass their test. Parents need to understand the importance of setting a good example behind the wheel and be aware of the amount of information that children absorb. How we drive as parents ultimately influences how safely our children will drive in the future.”

www.thedrivingskool.com

Many myths and rumors have built up around the practical driving test which simply aren’t true. It’s easy to believe them and this can affect your confidence when it comes to taking your test.

So here, we dispel the myths and puts the facts right about what REALLY happens when you come to take your test.

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“If you stall during your test, you will fail.”

Not entirely true! By the time you’re ready to take the practical driving test, shaky clutch control should be a distant memory but the test seems to do funny things to candidates! Stalling repeatedly in traffic or stalling when entering major junction, affecting other road users, will fail the test. If you stall, don’t panic. Take a deep breath and start over again. Some candidates have even passed tests after stalling twice! Nerves can ruin a test for even the best of drivers so it’s important to not dwell on mistakes as some aren’t as bad as you may think!

“If you get take a wrong turn, the examiner will fail you.”

The driving test is designed to allow the Examiner to assess your driving ability during the course of a 30-35 minute route, taking in various road and traffic conditions. If you are asked to turn right at a junction but turn left in error, you will not incur a driving fault as long as you correctly turn left.  Even on the recently added ‘independent driving’ element of the test, you are not penalised for getting lost during the drive, so If you are not sure where you should be going, ask for help and you will get it! What the Examiner doesn’t want you to do is drive erratically or dangerously because of poor planning and anticipation e.g. not seeing your intended junction until too late, turning across traffic when not safe to do so and causing the flow of traffic to slow unnecessarily. Whatever you do on the test, do it safely and you’ll have a good chance of being successful.

“Driving Examiners are trying to fail candidates.”

The Examiner has less to do if you pass!  When you pass your test, the Examiner issues your test certificate and heads back to his office for quick cuppa before the next test. However, if you have failed your test they return to their office to write a report, detailing the reasons for the fail. Another urban legend I sometimes hear from students is that Examiners have to fail a certain amount of tests each month. While it is true that Examiners are expected to have pass rates that fall within 10% of the local average, there is nothing to suggest that the test results are compromised because of this; in fact in my experience the only person who really affects final decision is the candidate taking the test!

“My mum/dad say they only took a few lessons and passed a few weeks after turning 17.”

This statement may be true, but at a rough estimate most candidate’s parents will have taken their test 20 to 30 years ago in very different times. The volume of traffic on the roads has greatly increased since then, as have the number of complex junctions and road systems in busy urban areas. The DVSA have changed the test on a regular basis over past 30 years to reflect the more challenging situations that drivers face on modern roads, including the recently introduced independent driving element of the test and a greater skill level in hazard awareness and anticipation, needed to deal with today’s busy roads. The DVSA suggest that an average of 45 hours of tuition along with around 20 hours of private practice is required in order to reach the test standard.

“You should check your mirrors every 7 seconds.”

While checking your mirrors every 7 seconds may suit some traffic conditions, it is more important to check your mirrors when appropriate.  If you’re worrying about checking every 7 seconds, you won’t be focused on what’s happening on the road. The test assesses the candidate’s use of mirrors when signalling, before changing speed and before changing direction, all of which demonstrate good awareness and planning. The examiners can easily see when you are looking in your mirrors so you don’t have to make it too obvious. It only needs to be a glance and should not distract you from the road ahead!

www.thedrivingskool.com

£100 fine and 3 licence points for driving with snow on car roof

 

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Driving with snow on your car roof could land you with a £100 fine and three points on your licence.

And if you find it hard to believe, check rule 229 of the Highway Code

Rule 229 states before you set off

 You MUST be able to see, so clear all snow and ice from all your windows

 You MUST ensure that lights are clean and number plates are clearly visible and legible

 Make sure the mirrors are clear and the windows are demisted thoroughly

 Remove all snow that might fall off into the path of other road users

Check your planned route is clear of delays and that no further snowfalls or severe weather are predicted

Police say motorists could be prosecuted for careless or inconsiderate driving if they are involved in an accident and it is deemed that snow on the roof was a factor.

Motorists could face a £100 fine and three points on their license if snow on the roof of their car contributes to an accident. This could apply if snow falls forward onto a driver’s windscreen, obscuring the view, or backwards causing a hazard for motorists traveling behind them.

A Suffolk Police spokesman said: ‘Many people are not aware of the hazard that snow on their cars can cause. Falling snow can be dangerous for all road users.’

Rule 229 of the Highway Code states, in a section entitled ‘driving in adverse weather conditions’, that snow should be removed from your car.

The full rule says: ‘Before you set off you MUST be able to see, so clear all snow and ice from all your windows. You MUST ensure that lights are clean and number plates are clearly visible and legible, make sure the mirrors are clear and the windows are demisted thoroughly.

‘Remove all snow that might fall off into the path of other road users. Check your planned route is clear of delays and that no further snowfalls or severe weather are predicted.’

www.thedrivingskool.com

Department for Transport proposals would allow driving instructors to supervise novice drivers on motorways

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Learner drivers could be allowed on motorways for the first time, under government proposals aimed at increasing road safety.

The Department for Transport is considering the move as a way to make sure learners are properly prepared for everyday driving before they pass their tests. Under the plans, they would be allowed to gain experience on motorways under the supervision of an approved driving instructor.

At the moment, learner drivers are not allowed to go on motorways but can do so without having had any practical experience after passing their test.

The possibility of learners on motorways will be explored under a £2m project examining driver education. It will look at whether the current regime gives the best training for learner and novice drivers. Compulsory basic training for learner motorcyclists will also be reviewed.

As part of a package of reforms known as the road safety plan, transport ministers are also planning a £50m grant for better cycling training in schools, and looking at forcing lorries to keep their sideguards to better protect cyclists.

There will also be increased punishments for drivers who use hand-held mobile devices while driving, with an increase from three penalty points to four and the fine rising from £100 to £150. In 2014, mobile phone usage was a contributing factor in 21 fatal road accidents and 84 serious accidents. The penalty for using a mobile while driving larger vehicles such as HGVs will go up from three to six points.

Patrick McLoughlin, the transport secretary, said he was putting forward “common sense proposals that balance tougher penalties for dangerous drivers with practical steps to help youngsters and other more vulnerable groups stay safe on our roads”.

The move to let learner drivers have supervised practice on motorways was welcomed by Steve Gooding, director of the RAC Foundation. “One in five young drivers has an accident within six months of passing their test so putting the learning process under the spotlight has to be a good thing,” he said.

“Mile for mile, motorways are our safest roads but can be intimidating places for novice drivers. Exploring ways of letting learners have controlled access to them is welcome. The important thing is the official seal of approval provided by the approved driving instructor who will accompany them down the slip road. This is definitely not the time to have mum or dad in the passenger seat.”

The government is currently considering a number of reforms to driving tests in order to improve the UK’s road safety record. It is already thinking about giving those who pass their driving test first time a refund of part of the cost. The plan is intended to raise the low first-time pass rate, which stands at just 21%.

At one point, the government was also considering banning newly qualified drivers from carrying non-family members under proposals to cut the number of road accidents involving teenagers.

www.thedrivingskool.com

Cell_phone_use_while_driving

Young Drivers are more likely to use their mobile phones while driving than older motorists, a survey suggests.

The poll for driving safety charity Brake found 49% of 17-24 year olds had been in work calls while on the road, compared with 17% for all age groups.

About 35% of young people said they had spoken to family, and 21% with friends – compared with 23% and 15% overall.

Brake asked about hand-held and hands-free calls. They are both a distraction “risking devastating crashes”, it said.

“It is a sobering thought that a significant number of these life-threatening distractions come from drivers’ own friends and family,” said Julie Townsend from the charity.

The survey questioned 1,000 drivers from across the UK on whether they had spoken on the phone while driving, hand-held or hands-free, in the last 12 months. If so, they were asked who they were talking to.

Using a hand-held phone while driving was made illegal in 2003. Using a hands-free kit is allowed but a driver can still be stopped if police believe they are being distracted.

Brake says that making calls hands-free is still a cause of distraction and are campaigning for it be banned.

The charity is advising drivers to put their phones on silent while driving, with their phone away from them. The safest way to make a call is to stop, they say.

According to an observational study by the Department for Transport last October, motorists who use phones are more likely to be texting or using social media than making calls.

Brake has also warned about the dangers of being tired while driving, saying that it is wise to break for at least 15 minutes every two hours.

When asked how often they driven for more than two hours without a break in the last 12 months, 8% said weekly or more, 16% once a month and 29% once a year.

www.thedrivingskool.com

Benefits of Buying a Car Camera

With more and more UK motorists begining to reap the benifits of installing an in-car camera, sales of these small, purpose built video devices, are increasing daily. Fitting your car camera is easy, they simply attach to your vehicles windscreen via a suction cup or adhesive mount, this enables you to record video footage of the road ahead and gives you your very own ‘eyewitness’. If you’re unfortunate enough to be involved in any kind of collision, they offer complete peace of mind that you’ll have detailed footage of the whole incident. This could help prove your innocence and offers irrefutable video evidence when it comes to settling an insurance claim. The follwing list offers a few more reasons why installing a car camera could be the best thing you ever do…

Protection against Crash for Cash and Insurance fraud

Crash for cash, is without doubt, one of the largest vehicle based crimes an innocent motorist may have to deal with, and the bad news is it’s still on the increase. According to the Insurance Fraud Bureau, organised Crash for Cash scams are costing the UK insurance companies around £392 million every single year, and with 1 in 7 personal injury claims being linked to one, it is netting huge amounts of money for the criminals involved in it. Crash for Cash is a huge problem right now and vehicle insurance fraud is not a victimless crime; it is the honest policy holder that will ultimately pick up the bill with an extra £40-£50 being added to their insurance premiums every single year. Gangs of highly organised criminals will usually stage or induce an ‘accident’ by causing an innocent motorist to crash into the rear of the fraudster’s car. The simplest scenario is where the gang members car may pull directly in front of yours and then by suddenly hitting the brakes they leave  you little or no chance to avoid a rear-end collision. This now gives the criminals the ideal opportunity to make as much money as possible by submitting exaggerated insurance claims for vehicle damage, ‘loss of earnings’ and personal injury, the drivers not only claim this for themselves but sometimes for passengers who weren’t even travelling in the car! By simply installing a car camera in every vehicle that you drive, you’ll be safe in the knowledge that you will be protecting yourself with HD video evidence that will fully show the circumstances leading up to, and including the collision itself. This will give the insurance company any proof it needs if they suspect the claim to be a fraudulent one.

Protect your insurance premiums

Often, when making a claim to your insurance company the claimant will always have to pay an increased cost on their next renewal. This is because most of the time, after an accident each party denies responsibility for it; the result is the insurance companies have to assume equal responsibility for both parties. On some occasions the outcome is even worse and the innocent party is wholly blamed for the collision. Installing a car camera will help ensure that the actions and driving behaviour of those who caused the incident are 100% indisputable. The insurers will be able to get a complete understanding of the circumstances leading up to an accident and this will mean that only the guilty parties’ insurance company will have to pay damages. Thus, in-car video evidence goes a long way to protecting your premiums and your no-claims bonus.

Cheaper car insurance

As car cameras or dash cams become increasingly popular on UK roads, some insurance companies are recognising the benefits of having them fitted and discounts are already being offered for drivers who install and use their cameras regularly. Having high-quality video evidence also means that insurers can spend less time and money investigating suspicious or fraudulent claims and therefore can pass this saving on to the motorist. In a nutshell the car camera will actually pay for itself before there has even been an accident! Still can’t decide whether or not to purchase an in-car camera? For most of us, just the fact it could save us a small fortune on our insurance premiums is enough to make it a “no-brainer”.

Deter, record or report dangerous and unsociable drivers

With the car camera market expanding by the day, drivers will eventually start to become more aware that there are quite a number of vehicles on UK roads that already have an on board video camera mounted inside them. This, we are sure, will eventually start to make every motorist drive with a lot more courtesy and patience for others. Unfortunately, at this moment in time, we are still a long way away from this. With speeding motorists wanting to under-take or push in front of us, angry tailgaters who insist on driving a few inches away from our rear bumper or selfish drivers who chat away on their mobile phones, these are all examples of incidents that are happening on a daily basis and are making our roads as dangerous as ever. So how can we combat this? Simple, by using an in-car camera system you’ll have the ability to capture any dangerous or reckless driving on video. This can then be reported to the local authorities and in many cases these drivers will be prosecuted solely on car camera evidence.

Protect against road rage incidents

Road rage attacks are becoming ever more common in the UK. In most cases this involves nothing more than some choice words or possibly some offensive hand gestures.  That said, there are a number of drivers who are reportedly finding themselves as a target of actual physical violence. If you have a car camera fitted, try to make sure you always position yourself in front of it whilst you’re exchanging details; this ensures that any offensive behaviour or threats will be caught on camera. Another way to diffuse a potentially violent situation is to inform the other driver that the event is being monitored and recorded, this can be a useful tool, helping to diffuse a volatile situation. Many attackers will be far more likely to back down once they know their actions being filmed by your ‘eyewitness’.

Protection in car parks 

G-shock technology sensors are tiny motion sensors that are built in to most modern day car cameras. This enables the camera to instantly start recording the moment it detects either, movement around the car, or a sudden bump or jolt to the vehicle itself. This will be an enormous benefit to you if you happen to return to your parked car to find it scratched or damaged in some way. The saved file from your in-car camera can be viewed once you’re back at home, or with some car cameras, the footage can be watched there and then on your smartphone using a Wi-Fi connection. It gives you extra peace of mind that you may have caught the culprits face on camera or in the case of the damage being caused by another vehicle; you’ll not only have video images of the incident taking place but also the vehicles registration plate. This gives you the advantage of bringing any guilty party to justice and once again saves you from having to make a claim on your own insurance.

Record commercial and fleet driver’s activity

With the advances in car camera technology it is now possible to start protecting your entire workforce whilst they’re out on the road. Fleet owners now also have the ability to monitor every one of their vehicles and driver’s activity. Using Google maps they can check whether a driver has adhered to the correct pre-planned route, not broken the speed limit and more importantly not been driving without due care and attention. At the same time many drivers now enjoy the peace of mind that having a camera installed brings. Commercial drivers are often the target of crash for cash scams, this is because the gangs know that a commercial vehicle will undoubtedly have insurance, when a larger van or lorry is blamed for being at fault in an accident, irrefutable video evidence can immediately prove the drivers innocence, therefore not only protecting the fleet owner’s insurance costs but also helping to protect the employees driving licence and ultimately, their job.

Taxi and Private hire protection

If you drive a black cab for a living or you’re always on the road as a private hire driver the chances are, at some point, you’ve ended up either having a near miss with another vehicle or maybe found yourself in a vulnerable situation with one of your passengers. With Taxi and private hire insurance premiums being at an all-time high, there’s never been a better time to install your very own ‘eyewitness’ protection. These days you’ll find CCTV everywhere you go so why should your cab or minibus be any different? There are numerous problems that can arise whilst driving, these include damage to the outside of your cab from other road users, verbal and sometimes physical abuse and of course those customers who have decided not to pay their fair at all! Having the knowledge that you have a reliable camera system in place will go a long way to improving safety for both the driver and passengers alike.

Young and novice driver protection

The cost of insurance premiums for young or novice drivers has increased dramatically over the past few years; some of these premiums can range anywhere from £3,000 to £7,000 a year! This is largely because younger and less experienced drivers are more likely to be involved in an incident or accident in their first few years on the road. To combat some of these issues insurance companies will only offer them a policy if they then agree to have a ‘black box’ fitted in their car. This then tells the insurer their locality, what time of day or night it was and more importantly what speed they were travelling. Now imagine installing a car camera into their vehicle to back this up, it would not only give their insurance company a visual image of how they were driving, but could potentially prove their innocence should they ever be involved in a collision with another motorist. Worth thinking about, isn’t it?

Protect your vehicle against misuse and abuse

When you have to leave your vehicle with a stranger, it can sometimes be a real worry. Without an in-car camera installed you have no idea how others are treating your property. How many times have you left your vehicle at a garage for repair, service or M.O.T or maybe had to leave it with a valet parking company at an airport? Once it’s out of your sight, what really goes on? Having a car camera installed enables you to see (and sometimes hear) exactly what happens once you’ve dropped it off and handed over your keys. Viewing the camera footage back will enable you to know exactly where your vehicle was and how it was treated. If you have a car camera with built-in GPS you’ll also be able to see the route it was driven, how fast it was travelling and where abouts it was left parked up.

www.thedrivingskool.com

Office: 0333 123 0245

Mobile: 079 19193299