Business woman sitting in front of car

What Today’s Women Want in a Car

Today, women play a dynamic role in society, taking on more tasks traditionally reserved for men, becoming increasingly financially independent, and holding far greater buying discretion than in the past. However, local and global research indicates that women tend to take a more traditional approach to buying cars than men, who often value performance above practicality and comfort.   The features most sought-after by South African women are matched to those most closely fitting the criteria.   Family Car   Women often own and drive the family car, where general features (comfort, convenience, fuel efficiency), as well as safety and reliability are prized. Related product and value perceptions are critical to women evaluating family car choices. The top three family car models in South Africa that most closely meet these criteria are:   Mazda CX.5 2.0 Peugeot 3008 2/0 HDI Allure Volkswagen Tiguan Allspace 1.4 Trendline Safety    Today, cars are launched with standard and optional safety features. According to the Women’s Choice Awards, the following safety features are highly ranked by women and would influence a woman’s vehicle purchasing decision: Adaptive headlights adjust a car’s headlights to curves in the road, making driving at night or under low-light conditions safer. Rear cross-traffic detection is a system designed to distinguish vehicles, pedestrians, cyclists or other hazards approaching from a vehicle’s left, right, or rear to help drivers avoid collisions. Forward collision warning systems use radar, laser, or cameras to detect an imminent crash thereby helping prevent or reduce the severity of an accident. A rear-view camera mounted on the rear of a car sends messages to the monitor positioned at the front of a car. These images are used by drivers to alleviate blind spots and to make reversing easier. According to iWyze Insurance, the following six car models are ranked tops in South Africa in terms of safety.   Volkswagen Polo Kia Rio Ford Fiesta Volvo XC90 Volkswagen Tiguan Mercedes Benz E Class Reliability   Women go out of their way to choose a reliable car to save themselves from trouble, expense, and safety dangers. Consumer reports, warrantees, and prices were the main variables considered in determining vehicle reliability in the Women’s Choice Awards. However, in South Africa, the following criteria are used to rank a car’s reliability:   Availability and affordability of spare parts Reliability of a vehicle after the motor plan has ended, with special focus on the number of major engine and gearbox problems a vehicle experiences over time Ability of dealerships to handle large repair jobs Affordability of repairs Affordability of insurance premiums, relative to vehicle price Business Technology news identifies the five most reliable South African vehicle brands as follows:   Toyota Honda Opel Nissan Mazda  General Features   Women’s Choice Awards ranked the following three general features most highly:   Comfort: Relative interior space for passengers, cargo, and seating capacity. Convenience and entertainment: Features such as climate control, cruise control, digital connectivity and hands-free car kits. Fuel economy: Both highway and city driving are included in this measurement. In the budget car segment, the following three models are ranked most highly:   CAR MODEL ENGINE SIZE FUEL CONSUMPTION Ford Fiesta 1.5 TDCI Trend 1.5 3.3 litres Fiat Tipo Sedan 1.3 Multijet Easy   1.3TD 3.7L Fiat 500 Twin Air Pop 0.9T 3.8L   Auto Pedigree has over 4,000 quality used cars ranging from sedans, SUVs, hatchbacks, and bakkies to service your individual requirements. Visit your nearest Auto Pedigree dealership for a test drive.   Disclaimer: This content is for informational purposes only. We do not make any warranties about the completeness, reliability, and accuracy of this information.
Vehicle protection
3 Things You Should Know About Car Insurance
Mandatory Comprehensive Insurance   Comprehensive vehicle insurance is a contract between you and your chosen insurance company. It protects you against: Accidental loss or damage to your vehicle Legal liability for loss or damage to another person’s property When budgeting for a new car ensure you can afford your car repayments as well as your insurance premiums. Even one instalment missed can lead to your policy lapsing and putting you at risk.   Vehicle Cover Provided   Before taking out car insurance, assess who you need to cover under your policy, which may include: Insured only Insured and spouse Insured and other named drivers and licensed drivers. Apart from deciding who will be covered by your insurance policy, make sure you understand the depth of cover you’re taking out, and read your policy document carefully before signing it.   If your car is insured for private use all personal, non-business related use would be covered as well as certain business-related travel, for example, travelling to work and back. Your private use policy could also provide cover when you visit clients or other businesses and could also include any samples you carry as commercial goods in transit are often also insured.   If your circumstances change, for example, you start lending your car to someone else to use in a business you have started, reassess your cover and determine who should be covered by your policy and whether your vehicle should be insured for commercial rather than private use. It is environmentally and financially wise to join lift clubs, but if you decide to use your car for this purpose, check ramifications with your insurance company.   Insurance Renewals   You can choose to take out an insurance policy for a year and renew it thereafter. If you do, you’re likely to receive a renewal notice from your existing insurer and can renew your policy with them or test the market for a better option. Constantly changing insurers could affect your premiums negatively, so bear in mind that loyalty can possibly pay off in the long run.   When you start planning to buy a new car, remember to budget for vehicle insurance. When buying a second-hand car through Auto Pedigree, we’ll help you get the best comprehensive vehicle insurance cover that suits your individual needs.   For a free insurance quote, fill in the form and one of our brokers will respond as soon as possible.   Disclaimer: This information is for educational, or entertainment purposes only. It must not be construed as advice, legal, financial, or otherwise. We do not make any warranties about the completeness, reliability, and accuracy of this information.
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Is Comprehensive Car Insurance Necessary?
  The term car insurance makes us think that this type of cover is about protecting your vehicle. In reality, car insurance is about covering you as the motorist. If you cause an accident on the road you are liable for the damages made to the other vehicle. While third-party insurance covers damages and injury done to the other driver, it does not cover you as the driver who caused the accident. You would then have to fund your own medical expenses and car repair bills.   Read more about the 3 Main Car Insurance Types >>   The Effect of Road Accidents in South Africa   Knowing the effects of road accidents and injuries that occur on the roads in South Africa can help to understand the importance of comprehensive car cover. In 2015 alone, the Gauteng Roads and Transport Department revealed the following figures: Cost to the country’s economy: R143 billion People seriously injured: 62,520 People slightly injured: 202,509 A further 1,429,794 people were involved without sustaining injuries Human casualty costs: 69.3% of total crash cost Vehicle repair costs: 14.9% of total repair costs Related incident costs: 15.8%   The Consequences of no Comprehensive Cover   In an economy when most of us are trying to find ways to make ends meet, insurance policies are one of the first areas we cut back on. But with the staggering figures presented above, the negative effects should not be underestimated, especially if you consider the high costs of car repairs and medical bills.    Theft Another important consequence of not having any cover is theft of your motor vehicle. The impact is worse if your car is still being paid off, as you will still need to continue paying the monthly instalments, as well as the repairs to the damage done. Third-party, theft, and fire policies are a cost-effective option to consider, especially if you live or work in a less safe area. Investigate the various ways you can add security to your car – these could also help bring down insurance premiums. Auto Pedigree offers vehicle security products such as Datadot® technology, tracking, and window safety film.  Damage to Another Vehicle If you choose to cut back on your car insurance, it’s probably best to only reduce it down to third-party cover without eliminating insurance completely. The liability on you to pay for damages and injuries for both yourself and the other driver could set you back hundreds of thousands of rands, and if you are unable to pay for third-party damages, you could be sued. Damage to my Vehicle by Another According to the AA, in 2018, some 65 - 70% of vehicles on South African roads were uninsured, and this number is growing. Therefore, only three accidents out of ten would involve someone who would be able to pay for any damages at all. This is why the AA have stated that it is the responsibility of each car owner to make sure they cover themselves.   As mentioned above, without comprehensive car insurance, you incur the massive costs of all parties involved in an accident. However, even if the accident was not your fault, the inconvenience of trying to claim for damages done by another driver is often not worth the time and energy. In fact, you could even incur additional costs on legal matters without any guarantee that you will be able to claim. So, while comprehensive insurance is the most expensive cover to maintain, it provides the most peace of mind. However, any insurance is better than no insurance, so think carefully when looking for ways to cut back on expenses. When you’re ready to buy a used car from Auto Pedigree, talk to us about finding an affordable car insurance option suited to your budget. With over 7,000 satisfied customers, we’re here to provide you with excellent service. Call us on 0860 331 331 or 086 011 1133.   Disclaimer: This information is for educational, or entertainment purposes only. It must not be construed as advice, legal, financial, or otherwise. We do not make any warranties about the completeness, reliability, and accuracy of this information.  
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Vehicle Financing Without a Credit History
You’re young, adventurous, and seeking independence. You would like your own set of wheels but are uncertain how to buy a car as you haven’t yet built up a credit history. Here are some options:   Suretyship When you purchase your first car you may need assistance from a blood relative who is willing to stand surety for the vehicle loan from a bank. Suretyship is specialised insurance and takes place when a person guarantees the performance of an obligation by another. For example, if a parent stands surety for a child, the parent guarantees that the child will perform payments regularly and on time.   Typically, parents would have built up their own credit history along with some assets, which banks use as security for a loan. As they are most likely to be prepared to help their children get on their feet, they are often the ideal surety for a young person’s first vehicle finance transaction. The bank will assess both your parents’ and your financial affairs before granting a loan. If you fail to meet your loan obligations after the loan has been granted, the bank will hold the person signing surety, in this case, your parents, responsible for the debt. That’s why it is important for you as a young person to budget carefully for your new vehicle by taking into account: • Loan repayments – Capital sum, interest, and fees • Vehicle insurance – All young car owners should have comprehensive cover By buying your first vehicle, even with the help of a surety, you will start building your own credit history which will be a positive future asset if handled correctly.   Shop Around Always shop around for the best vehicle finance and trade-in deals before you make your final decision. This is especially true if you have a trade-in on your purchase. The price dealers offer for trade-ins vary considerably depending on their stock levels and perceived ability to sell your trade-in.   Vehicle Finance for Graduates Body If you have already made in-roads in building your future and completed tertiary studies, you may qualify for favourable interest rates or even vehicle credit in your own name. Research the options provided by South Africa’s leading financial institutions and select the one that best meets your financial and life circumstances. Here are some offers made by banks to help young, qualified people finance their first vehicle: • Standard Bank – Prime less 0.25% • Absa bank – Prime less 1% • Investec – Developed a package for top-earning graduates to meet their banking, financing and wealth management aspirations. • Nedbank – Provides the Professional Banking package for under 30s with a four-year degree. Through this product bundle, young people are given a 50% reduction in banking fees and assigned their own personal banker to help them with vehicle and other asset financing. • Wesbank – The Wesbank Graduate Finance portfolio was launched in partnership with leading service providers to enable graduates with no credit history to buy a car. Graduates from various institutions are given competitive interest rates and tailor-made packages on selected car models.   When giving serious consideration to buying your first car, visit your local Auto Pedigree dealer for advice on suitable vehicles and financing options.   Disclaimer: This information is for educational, or entertainment purposes only. We do not make any warranties about the completeness, reliability, and accuracy of this information.
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Driving on the road
How Car Insurance Works
Car insurance can be confusing for many vehicle owners – what with the different types of cover available, how the premiums are determined, and what happens when it comes to paying out.   The Road Accident Fund (RAF) does cover injuries to the persons involved in an accident but does not cover damage to the vehicles. A driver who is not covered by car insurance is liable for damages incurred caused by the accident.   To understand how car insurance works in South Africa, it helps to know about the different types of cover available. The three main types are: Third-party only Third-party, fire & theft Comprehensive   Third-Party Insurance   The most basic and least expensive option, third party insurance only covers accident damage done to the property of another individual, and costs of injury or death to the third party passengers or individuals involved in the accident caused by you as the driver. For example, if you cause an accident by hitting another vehicle, your insurance will cover the cost of vehicle repairs and medical bills of the other person (the third party).   Third-Party, Fire and Theft Cover   This option is one level up from third party insurance, offering you all the same benefits, but also covers your car against fire damage and theft. However, it does not cover your car for damages in the event of an accident.   Comprehensive Car Insurance As the name suggests, this type of car insurance is the most extensive and covers you for all the above – third party, fire, and theft – as well as road accident damage, weather damage, and hijacking.   How Car Insurance Premiums are Calculated   Whether applying for vehicle insurance for a new or used car, there are several aspects insurers consider in an assessment to determine your monthly premiums. The main factors are: Insurance history – The longer you have uninterrupted cover for the period of vehicle ownership, the better standing you will have with insurance companies, and the more favourable your premiums will be. Therefore, ensure that you are covered for every new replacement vehicle you purchase from the onset. Any lapse in coverage can influence an increase in premiums. Driving record – Insurance companies will see you in good light the longer you have not been involved in a vehicle accident caused by your own negligent driving. Accidents and accident claims on your record will cause increased rates on your premium. Residence and parked location – Where you park your car at night is an important factor when determining your premiums. The best chance of a lower premium here is to live in a safe area and to park your car in a locked garage. Another consideration is that densely populated areas mean there is a higher chance of being involved in a car accident, thereby pushing up the premium rate.  Road travel time – The more time you spend driving on the road, the higher your chances of you being in an accident – thus, you can expect to pay higher premiums based on this. Make and model – Generally, vehicles with a higher price point cost more to insure. For example, if you drive a luxury sports car, you will pay more for parts and repairs than a lower-end hatchback, hence insurance premiums will be higher to cover those costs. Safety is also an important factor – cars with a good safety rating will lower the insurance premium. When Your Car is a Write-Off If your car is in an accident and the cost to repair the damage is more than the car’s market value, then your car is considered a write-off. In this event, the insurance company will keep the car and pay you the market value. Note though there will be a policy excess to pay.   What is Insurance Excess?   Excess comes in two forms, compulsory and voluntary. Compulsory excess is non-negotiable and set by your insurer, however, you can choose to pay a further excess to help bring down your monthly premiums.  The voluntary excess amount is an agreed amount you as the insured pay when claiming. This initial payment is first made by you as the insured for repairs to be done before your insurance company makes their contribution. For example, if the damages to your car amount to R65,000 and your excess is R10,000, the insurer will pay out the remainder which is R55,000. How to Claim from Insurance   If you’re involved in an accident, contact your insurer as soon as possible and provide all the relevant details: time, location, the third party’s name, insurance provider, license number, ID number, vehicle make and model, and all the contact details.   Apart from offering quality used cars in South Africa with dealers countrywide, Auto Pedigree strives to serve our customers with superior service. Let us help you find the right insurance package – contact us for a free insurance quote.   Disclaimer: This information is for educational, or entertainment purposes only. We do not make any warranties about the completeness, reliability, and accuracy of this information.
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Business woman sitting in front of car
What Today’s Women Want in a Car
Today, women play a dynamic role in society, taking on more tasks traditionally reserved for men, becoming increasingly financially independent, and holding far greater buying discretion than in the past. However, local and global research indicates that women tend to take a more traditional approach to buying cars than men, who often value performance above practicality and comfort.   The features most sought-after by South African women are matched to those most closely fitting the criteria.   Family Car   Women often own and drive the family car, where general features (comfort, convenience, fuel efficiency), as well as safety and reliability are prized. Related product and value perceptions are critical to women evaluating family car choices. The top three family car models in South Africa that most closely meet these criteria are:   Mazda CX.5 2.0 Peugeot 3008 2/0 HDI Allure Volkswagen Tiguan Allspace 1.4 Trendline Safety    Today, cars are launched with standard and optional safety features. According to the Women’s Choice Awards, the following safety features are highly ranked by women and would influence a woman’s vehicle purchasing decision: Adaptive headlights adjust a car’s headlights to curves in the road, making driving at night or under low-light conditions safer. Rear cross-traffic detection is a system designed to distinguish vehicles, pedestrians, cyclists or other hazards approaching from a vehicle’s left, right, or rear to help drivers avoid collisions. Forward collision warning systems use radar, laser, or cameras to detect an imminent crash thereby helping prevent or reduce the severity of an accident. A rear-view camera mounted on the rear of a car sends messages to the monitor positioned at the front of a car. These images are used by drivers to alleviate blind spots and to make reversing easier. According to iWyze Insurance, the following six car models are ranked tops in South Africa in terms of safety.   Volkswagen Polo Kia Rio Ford Fiesta Volvo XC90 Volkswagen Tiguan Mercedes Benz E Class Reliability   Women go out of their way to choose a reliable car to save themselves from trouble, expense, and safety dangers. Consumer reports, warrantees, and prices were the main variables considered in determining vehicle reliability in the Women’s Choice Awards. However, in South Africa, the following criteria are used to rank a car’s reliability:   Availability and affordability of spare parts Reliability of a vehicle after the motor plan has ended, with special focus on the number of major engine and gearbox problems a vehicle experiences over time Ability of dealerships to handle large repair jobs Affordability of repairs Affordability of insurance premiums, relative to vehicle price Business Technology news identifies the five most reliable South African vehicle brands as follows:   Toyota Honda Opel Nissan Mazda  General Features   Women’s Choice Awards ranked the following three general features most highly:   Comfort: Relative interior space for passengers, cargo, and seating capacity. Convenience and entertainment: Features such as climate control, cruise control, digital connectivity and hands-free car kits. Fuel economy: Both highway and city driving are included in this measurement. In the budget car segment, the following three models are ranked most highly:   CAR MODEL ENGINE SIZE FUEL CONSUMPTION Ford Fiesta 1.5 TDCI Trend 1.5 3.3 litres Fiat Tipo Sedan 1.3 Multijet Easy   1.3TD 3.7L Fiat 500 Twin Air Pop 0.9T 3.8L   Auto Pedigree has over 4,000 quality used cars ranging from sedans, SUVs, hatchbacks, and bakkies to service your individual requirements. Visit your nearest Auto Pedigree dealership for a test drive.   Disclaimer: This content is for informational purposes only. We do not make any warranties about the completeness, reliability, and accuracy of this information.
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How Do I Finance a Vehicle?
Your vehicle is a tangible asset on your personal balance sheet. However, the way you handle your vehicle financing determines whether your car remains an asset. Once it becomes a liability you may struggle to pay it off and even cause you to become credit-bureau listed. Ensure your vehicle remains an asset by following these six steps: Doing background research into vehicles and financing Researching interest rates Saving for a deposit Structuring your repayments optimally Putting together appropriate personal documents Examining your vehicle finance contract Handling payment defaults   Doing Background Research into Vehicles and Financing Research thoroughly before putting in an offer on a vehicle or taking out vehicle finance. This puts you in charge of your personal finances, prevents embarrassment, and allows you to walk confidently into a dealership. Begin this journey by:   Identifying your transport needs. (Don’t be tempted to match your vehicle choice with the credit amount for which you qualify as this could stretch your finances unnecessarily and prevent you from saving). Checking your credit score for errors and disputing inaccurate information. Understand how negative information affects your ability to secure credit and the interest rates you will pay. You can check your credit score online at one of South Africa’s four credit bureaus, namely: TransUnion Compuscan Experian XDS Understanding your personal budget and financial situation. Remember that a longer term finance contract may mean smaller monthly repayments than a shorter-term finance contract but is more expensive as you pay more over time. Finding out the cost of insurance from your insurer so you can factor in that amount into your budget. Checking vehicle buying guides to identify the vehicle you wish to drive at a cost you can afford. Determining the market value of your current vehicle, which you may use as a trade-in to help finance your new car. Understanding the cost of credit including interest rates. Getting pre-approval from a bank before you walk into a dealership, so you can do so with confidence Understanding critical terms and conditions regarding vehicle loans, namely: -The minimum amount you may borrow is R40,000 -The minimum repayment period is 12 months. -The vehicle needs to be insured for the life time of the loan Researching Interest Rates Interest rates are the cost you pay to borrow money. It is calculated using a percentage to give you the actual amount to be paid. You may be able to negotiate a suitable rate between the various banks and finance houses.   Saving for a Deposit Start to save for a deposit as soon as you think about buying a car. With a bigger deposit, the risk to the bank will be less and you could qualify for a better interest rate. When assessing your profile, banks will view the fact that you have the ability to save and manage your finances as positive factors. A deposit lowers your monthly instalments as you will have less to repay, and you will be paying less interest. Structuring your Repayments Optimally   The longer you take to repay a loan, the more interest you’ll pay and banks often charge higher interest rates for longer loans, increasing your cost of credit.   By putting down a 10% deposit and financing your car over 54 months instead of 60, you make the following savings: Monthly repayment: R3,447 Total repaid over 54 months: R186,138 Total savings less the deposit: R11,712   Required Documents   Take the following documents with you when applying for vehicle finance, as they are required  to process your loan: Application form Identification document Proof of residence Income proof Three months bank statements Signature verification proof Passport size photograph of yourself Examine your Vehicle Finance Contract   Know the terms before signing any vehicle finance document whether at a dealership, bank, or other finance company as financing has a language of its own. Understand additional products a dealer may offer you, including: Deal assistance Fees – Pay for them in cash and don’t include as part of your vehicle finance agreement as this adds to costs Extended warrantees - Pay them upfront Credit Life Insurance – You have the option to offer (cede) your own Credit Life Policy to the bank covering the loan instead of the bank’s policy. The bank is allowed to check your policy and if it does not match its own, they can advise you to have it upgraded or to switch to their’s.     Terms and Conditions You are required to pay all fees and interest that appear on your loan contract. It’s best to pay the initiation fee in cash at the start of your loan as this saves interest over the life of your loan.   Handling Payment Defaults   If you do not pay your loan every month as agreed between you and the bank, this will add more interest and fees to your loan and the final payment of your loan will be later than you thought.   Should you get into financial difficulty, contact your bank immediately so they can draft a new payment plan and re-spread your arrears. This helps you maintain a positive credit rating and to steer clear of being negatively listed at a bureau.   Once you have researched and are ready to buy, Auto Pedigree has over 4,000 quality used cars for sale as well as finance arrangements with all major banks in South Africa to assist.
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What is Vehicle Finance?
With the average cost of a used car being in the region of R234,000 and over R300,000 for a new model, most South Africans may choose to finance their vehicle purchase. Because vehicle finance has far reaching implications on your budget, Auto Pedigree provides you with a roadmap on how to go about it sensibly.   Before you go ahead and apply for vehicle financing, take a holistic view of your purchase by considering the following:   Calculating monthly repayments Choosing a vehicle Making a deposit Understanding legal implications Deciding on vehicle finance repayments Taking out insurance Weighing up flexible financing options Calculating Monthly Repayments   Before even thinking about choosing a vehicle, look at online calculators supplied by South Africa’s leading banks or financiers to assess how much you can afford to repay monthly over your preferred repayment period.   Choosing a Vehicle   Have a clear idea of the type of motor vehicle you want and what you can afford to buy. Before applying for vehicle finance, understand:   Your vehicle requirements for work and leisure and whether you should buy a basic passenger vehicle, station wagon, bakkie, or some other type of utility vehicle. The vehicle features you want and can afford, such as air conditioning, power steering, and ABS brakes. Keep in mind when you apply for vehicle finance that you often get better value for your money by buying a used vehicle. Previously owned vehicles are cheaper because they have already depreciated in value. New vehicles have the advantage of coming with a manufacturers' warranty and may offer limited risk in terms of accident damage or mechanical breakdown and can have a longer life span. However, Auto Pedigree used vehicles are low mileage and are typically still under warranty. This means you buy a car that is almost new along with all the advantages of new, without the high price tag.   Making a Deposit   In terms of the National Credit Act, you do not need to pay a minimum cash deposit on any vehicle purchased. However it makes sense to save for a deposit, as your monthly repayments will be a lot less. Your deposit can either be in cash or as a vehicle trade-in. The size of your deposit and the length of the repayment period are at the discretion of the bank and are related to the risks involved. A general rule is that the older the vehicle the bigger the deposit and the shorter the repayment term.   Understanding Legal Implications   Minors (anyone below the age of 18) cannot legally enter into a contract to buy a motor vehicle or secure instalment credit for the purchase of a motor vehicle. Individuals 18 years and over may do so but should remember their responsibilities when signing a vehicle financing agreement, namely:   Paying the deposit and the remaining instalments Taking delivery of the vehicle on the agreed date Looking after the vehicle until the final instalment on your credit agreement has been paid Keeping the vehicle insured for the duration of the contract Making agreed vehicle repayments Contacting your bank should you find yourself in financial difficulty in order for them to draft a new payment plan and re-spread your arrears. Failing this, the bank (or finance company) has the right to: Sue you for the arrears Cancel the sale agreement Repossess the vehicle Claim damages from you   Deciding on Vehicle Finance Repayments   Most vehicle financing arrangements require monthly payments over a period of 6 to 60 months and you take ownership of your vehicle once you have made your final repayment. (Your finance house owns the vehicle before that date).   There are two ways of paying for the vehicle you have purchased, namely: Debit Order - Repayments are automatically deducted from your bank account and paid over to the vehicle financier every month. (Banks prefer debit orders as they are quick and easy to administer and ensure regular repayments). Manually (Cash or Electronic) – Repayments are madeby handing over or transferring the money electronically to the institution that has financed your vehicle every month.   Taking out Insurance   Any vehicle that is being financed through a bank must be comprehensively insured. Even one non-payment of a premium can result in a policy lapsing and a resulting financially precarious situation for the vehicle owner, especially in a collision.   Weighing Up Flexible Finance Options   It’s worth considering all financing options when considering vehicle finance. While some may save you money and give you flexibility others may be inappropriate given your financial situation. Here are four flexible financing solutions:   Balloon Repayments– These are optional loan repayments at the end of your loan term. This facility helps you extend your vehicle finance agreement by giving you more time to make repayments. For example, if you want to finance a car of R100,000 with a 10% balloon payment, you will pay off R90,000 over the agreed period and make a R10,000 payment at the end of the contract term. You will pay additional interest on this facility. Deal Assistance– Also known as Trade Assistance and is a benefit provided by Auto Pedigree giving you the flexibility to structure your vehicle finance using a lump sum to use as a: ·      Deposit ·      Deferred payment ·      Cash back ·      Combination of the above   Flexible Bond– Some people decide to keep all their debts under one roof and use their flexible home bond to repay their vehicle loan. However, it’s worth noting that a vehicle has a shorter life than a home. When you decide to finance your car using a flexible bond to finance your vehicle needs, you should repay the amount borrowed over a period roughly equivalent to that of the typical vehicle repayment period to prevent paying too much interest.   Payment Holiday– While the terms and conditions of this finance facility differ from bank to bank, you are sometimes allowed to structure your vehicle finance so you can take a break from your repayments one month a year or, by request, should you run into financial difficulties. If vehicle financing seems complicated and even daunting, Auto Pedigree consultants are available to assist you with any questions you may have. Find a dealer or call us on 010 593 9505.
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Dashboard lights
Will Your Car Pass the Inspection Test?
As with most complex machines, cars will invariably begin to succumb to wear and tear. Unchecked, this gradual abrasion will end up exposing your vehicle to the increased risk of performance failure on the road. South African legislation requires that a vehicle undergo a standard inspection test and be issued with a roadworthiness certificate for the sale of any motor vehicle to take place.   These inspection tests are administered by trained, registered technicians whose job it is to ensure, in the interest of everybody’s safety, that the car is safe and in an appropriate condition to take to the road. When selling and buying a car, a recognised, formal inspection test is necessary, but there are a few things you can check for yourself. This will give you a good impression on the overall state of the vehicle you’re buying. The Tyres Tyres are the first thing that inspectors look at. A quick once-over will give you a decent idea about the condition of these critical components. Tyres are the only point of contact between you and the road and should be checked regularly. Look for damage to the walls of the tyres, check that there is enough tread (grooves and edges in the rubber) remaining, and check the tyre pressure. Don’t forget the spare wheel, which is just as important to be in good condition and properly inflated. Your Windscreen Ensure that your windscreen is well-fitted and secure. The glass protects you from the wind, rain, and road debris. Debris especially can damage and obscure your windscreen. Check for small chips and have them repaired as soon as possible before they become cracks. Lights and Basic Electrics The electrical system of your car is complex and some elements need to be diagnosed digitally. You can perform a basic check by switching the car’s lights on, then checking each bulb – the headlights, brake lights, indicators, and fog lights. Ensure they illuminate fully without flickering or dimming when engaged. The Exterior Most buyers will not accept a car with a scratched or damaged exterior. Most scratches can be buffed out quite easily. Ask if any previous repair work has been done to the vehicle and inspect to make sure that the work is of a high standard. The Interior A clean, well-maintained interior should be free of any stains, grime, and suspicious smells! When your car goes for its roadworthiness inspection during the registration process, you can rest easy knowing that the Auto Pedigree 116-point check has covered all the bases.   What is included in a Vehicle Inspection?   There are a specified set of tests that your car must pass when registering the vehicle in your name. Inspectors will investigate a set of checks and tests before passing your car and declaring it safe and issuing the roadworthiness certificate. These important components are checked to be in working condition during a vehicle inspection: Brakes: Inspections will be conducted on the brakes’ individual components including the brake pads, disks, and lines. Your Lights: All bulbs on the lamps, indicators and brake lights. Indicators must work independently and correctly. Suspension: Apart from a detailed visual inspection of the shocks, the suspension must respond well to movement and the overall stability of the car. Wheels: The tyres’ pressure, tread, and integrity, as well as the rims must be in good shape and the spare wheel must also conform to the minimum test requirements. Chairs and Seatbelts: The seatbelts must have enough play to clip into the working seatbelt locking system. Seats must be secure and stable. Fuel System: The fuel system must deliver enough petrol to the engine, with no leakage, and at an efficient rate. Air intake and filters will also be examined. Engine: The engine and transmission must not stall, misfire, or overheat.   The Auto Pedigree 116-point check is developed to inspect as many components as possible in order to ensure every vehicle sold is as good as new.   How is the Auto Pedigree 116 test performed?   Auto Pedigree will ensure that the 116-point check is performed only by the most experienced, well-trained mechanics and engineers. This test demands that non-negotiable pass marks are achieved for the car to be listed to potential buyers. This way, when you buy a car from Auto Pedigree, you will know that it conforms only to the highest standards of quality. Transmission, Engine, Fuel Lines Part of the Auto Pedigree 116-point check involves testing three very important aspects – your transmission, the engine, and fuel lines. Together, these parts function as the power distribution system of your car. As these are often prone to wear and tear, they are investigated rigorously.   Transmission This refers to your gearbox. The gearbox adapts the power output of your engine to drive your wheels. In a car with manual transmission, these gears are shifted and engaged manually using your gearstick. Automatic transmissions do this for you as you drive. Eventually the gearbox will succumb to degradation through use and parts will need to be replaced.   Engine Our cars mostly use an internal combustion engine. This involves the mixing of fuel, air, and water, which is ignited. This all happens under high pressure and heat conditions. Each ignition creates energy that drives the pistons and sends energy to the wheels moving the car. Sounds simple? Not necessarily. Engines have many safety mechanisms, control valves and conduits and can be extremely complex. The heat and pressure can damage these components and expose the engine to failure over time. Each aspect is carefully checked, cleaned and corrected.   Fuel Lines The veins of your car, fuel lines carry petrol from the tank to the engine. Sometimes, these rubber veins can split, puncture, or break. This can leave highly flammable fuel leaking beneath and unpleasant fumes into your car. Often these leaks are tiny and do not pose a fiery risk, but it may lead to expensive fuel loss and allow air into the fuel system, choking up the engine. Easy to replace, fuel lines are inspected in detail to ensure you’re as safe as can be. Some of the other components that form part of the check include: Air conditioning Regulates the interior temperature and environment of the car. This system uses a lot of power to keep you comfortable. Clean-air filters are replaced, air-conditioning fluid topped off and all leaks repaired. Steering This critical function keeps you straight and safe on the road. From the wheels and the alignment to the steering column - all is calibrated to standard specifications. Lighting systems More than simply lighting the way, your lights perform the critical function of making you more visible, and telling other drivers what your intentions are (Like when stopping, turning, etc.) Faulty bulbs are replaced, fittings are cleaned, and all wire connections secured and insulated. Exterior All scratches, dents and marks are removed and repaired leaving the car looking in pristine condition. Exhaust system The “lungs” of your car, this important system runs the length of the vehicle from the engine to the rear. Exhaust systems, though sometimes prone to problems, are easy to repair. A healthy exhaust manifold will keep your ride purring along with minimal emissions – healthier for you and for the environment. Undercarriage Rocks, water, tar, and oil are just some of the elements that assault the undercarriage every time we drive, not to mention the grime that collects in the chassis below. It is cleaned, repaired and welded if necessary, ensuring the underneath of your car is solid and safe. Brake system This system is tested at length from having enough fluid in the lines, to replacing worn pads and discs. The brakes will also be properly calibrated to avoid over-sensitivity and to perform optimally. Tyres The tread depth and grip are determined to ensure they’re all up to specification. Any missing or damaged bolts and wheel nuts will be fitted in place, air valve caps replaced, and the wheels checked to ensure that they are correctly fitted and aligned. Clutch The clutch allows the gears to engage smoothly at different ratios. The clutch, cable, and gearbox are tested rigorously, so that the gears slip into place properly and the clutch allowed to operate. Shock Absorbers Attached to the wheel and vehicle axle, shock absorbers are tested to make travel more comfortable and to ensure the car is stable on the road. Engine As the heart and power source of your car, the engine is also the most complex part of the vehicle. Engineers will spend a good amount of time examining and conditioning this component to ensure it is running efficiently. Windshield The windscreen is one of the first things on the checklist. Often, chipped windscreens can be repaired, but if the damage is too great, will be replaced altogether. Vehicle Interior A full valet service is done with a thorough cleaning and disinfecting for a spotless, near-new interior. Safety Belts These lifesavers are thoroughly tested to ensure they comply only with the most stringent safety standards. The Auto Pedigree 116-point check ensures that your engine, transmission, and fuel lines are in perfect working order. Nothing is left to chance and the car is then put through a detailed calibration to make sure these components work together in sync, saving you money and keeping you safe.
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