Used Dozers

Car registration in the UK involves visiting your local area DVLA and the first requirement in the process is that you are required to provide legal documentation that confirms your identity. This ensures that your name and address are accurate at the time you are registering your vehicle and that your registration is not fraudulent. There are certain forms required in the car registration process as well as those that confirm your name and address. Before going to your local office check their opening times and whether you need an appointment, you usually don’t but check anyway.

You can tax your vehicle at the same time as registering it. Something most new car owners want to do.

The V55/4 form is the one you need if you are registering a new vehicle. It is also the form you need to fill out if you are registering a brand new imported vehicle. Kit cars also need to be registered using the V55/4 form.

V55/5 – first licence application for motor vehicles and a declaration for registration for to registering used vehicles or those that have been rebuilt.

In order to register your vehicle using either of these forms, there are other documents that will need to be provided such as your photo card licence to drive, or another original document which confirms your identity and where you are currently living.

To prove your ID you can use a marriage certificate, a degree NISI or absolute, a birth certificate, a passport (any nationality) or a current DVLA issued driving licence. The best ones to use are a passport or photo ID driver’s licence they are far easier for the person processing your application to verify your ID with.

The car you are registering must be registered at the address you are currently resident off. To prove where you live you need a current council tax bill, bank statement or utility bill, which must be no more than 3 months old. If you have a current NHS medical card you can use that instead.

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For anyone buying their first used car it is a nerve racking experience. You are acutely aware of your lack of knowledge and that not all used car salesmen can be trusted. Couple this with the fact that you are spending a lot of your hard-earned money and you are bound to feel nervous. However, with a bit of preparation the whole experience should go smoothly.

Put some serious initial thought into what you require from the car, which make and design you are interested in, and do some initial research in terms of features and expected market prices.

Car finance can be a big stumbling block for someone buying a used car. So before you get all excited about that 10,000 car find out from the salesman if you qualify for finance. That way if needs be you can look at those that cost only 8,000 or less.

Be cautious with private sellers. Meet them in the daytime to go over the car with them. Thoroughly inspect the car before taking a test drive, including the body, the underneath, engine, tyres and interior. When they say press every button and flick every switch they really do mean it. Any problems with the car’s electronics could be the tip of the iceberg and cost a lot of money to sort out. Also be sure to check the oil and coolant levels. Identifying leaks early will avoid unwelcome surprises and repair costs.

It is important that you take your time with your test drive too. Start by just driving the car and see what you think then go through a mental check-list and test the brakes, steering, look for blind spots and try reverse and parallel parking to see if you like the way the car handles.

Lift up the bonnet and look at the engine. You are looking for signs of leaks and for signs that it has not been regularly serviced. Dirty oil, seized plugs or a oil cap that does not twist open easily are all signs of this. If you do not know much about cars get a mechanic to check it over before buying it.

If you do decide to buy the car ask for the service history and any repair receipts they still have. Make sure that the registration document is valid and that it is filled in with your details, so the car is registered in your name as soon as possible.

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When you drive a new car from a lot it instantly loses some value. Instantly. Your huge investment in style and technology likely just dropped a few grand. If you feel good about that and your purchase is worth it and makes you happy, then good stuff.
But if you’re looking for more bang to your buck, think about a lightly used car, either from a used car dealership or private ad.

If you know enough about cars you can buy a used car from a private seller. If not go to a garage where you stand a better chance of getting a car that is in good condition and is mechanically sound. Take your time when looking and be careful not to be swayed too much by the dealer. A good way to avoid any pressure is to take a stroll around the forecourt alone, at first, then speak to the sales personnel about what they have on offer.

On most car lots you will find a good range of cars including some that are just a year or two old. The majority of cars on a dealer’s forecourt are there as a result of trade in deals. If you find a car you like ask about its history. If it has any known faults make it clear they have to be fixed before you pick up the car. That way if the fault occurs again within a short time of your buying the car you can get it fixed at no cost.

If you are buying a car for under 500 and are doing so from a private seller you are taking more of a risk than buying one from a dealer. If you are not careful buying a used car this way can end up not being such a good idea. You have to know what you are doing if you chose this option.

As with all things you get what you pay for. Do your research and go over the car you finally decide to buy with a fine tooth-comb before actually parting with your money to reduce the risk of nasty surprises at a later date.

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Financing a new car is generally far easier than financing a second hand car. There are several reasons for this, but all is not lost if you need to buy a used car and need financing to do so. There is broadly speaking three main ways to finance the purchase of your 2nd hand car.

Hire purchase is the best option and is available from most car dealers, but not private sellers. Basically you pay a deposit and arrange to pay the balance off using a series of monthly repayments. How many payments you have to make and how much interest you end up paying are all part of the terms and conditions of the hire purchase agreement. If you plan on keeping your car for several years this is a very convenient option and a relatively cheap one too. However, you have to bear in mind that until you pay the full amount of the hire purchase agreement off your car is owned by the finance company you are borrowing the money from.

PCPs or personal contract plans are a relatively new way of financing the purchase of a used car. As with hire purchase you have to pay a deposit, but you pay a lower monthly repayment amount. This is because PCPs are designed differently. At the end of a hire purchase or HP agreement you owe nothing with a PCP you will still owe some money on the car. Whether you pay the balance owed and become the car’s owner or hand the car back is up to you. Alternatively, you can take out a new PCP against another vehicle and start the whole process again. It is very similar to leasing a vehicle if you decide not to pay the balance owed and take ownership of the car.

A personal loan is one of the most effective ways to purchase a used car. You simply take out a loan for the amount of the vehicle and use that to buy the car outright-no need to pay a deposit or secure a car finance plan through a dealership. You then repay the personal loan in instalments over time. This type of car finance will likely cost more and is harder to obtain. In order to qualify you’ll have to show proof of steady employment, have a good credit history, and own a home or pay a mortgage.

As with all forms of financing it is very important to do your research and work out which is the best option for you. No matter what financing option you chose you must read the small print and make sure you understand it before committing yourself and buying your used car.

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