Driving myths – most of us will have come across them at some point in our lives. Whether it be the debate about if you can drive without shoes, or the idea that red cars cost more to insure – there are plenty of them to debunk.
Read more to understand the truth behind five common myths surrounding cars, driving and everything in between, so that we can help you separate the fact from the fiction.
With four in five new cars in the UK currently being purchased or attained via finance, it is simply untrue that only those with high credit scores are accepted for loans. Of course, there are certain providers who will not accept people with poor or no credit, but this does not apply across the board.
There are plenty of modern providers and brokers that focus on offering car finance with bad credit so that those who may not have an ideal rating can still get behind the wheel. These lenders will still assess the eligibility of an applicant based on their credit history and individual circumstances, taking into account a myriad of factors when reaching their decision.
This is one that you have probably heard before, being one of the most common myths that exist surrounding car insurance, though we’re not entirely sure why. The truth is, a vehicle insurance company will not consider the colour of a car when calculating the cost of car insurance.
The type and model of car being driven, as well as your driving history, age and credit rating, is far more important to insurers. Many won’t even ask about the colour of a vehicle when applying for insurance. So, feel free to buy that lovely bright red car of your dreams – you won’t be paying more for the colour!
According to research, wearing a seatbelt may reduce the risk of death by 45%, and of serious injury by half, which shows just how essential they are in keeping us safe. Seatbelts are, by far, the most valuable safety device available to help prevent death or injury in drivers and passengers.
Likewise, airbags are also very beneficial, saving far more lives than endangering them. There are some cases of airbag-related injuries, but these absolutely do not outweigh their positive impact.
With all the conflicting information, advice and news stories about car finance on the web, it can be a difficult area to navigate, particularly for those who haven’t used this method of purchasing before. Many people view car finance with suspicion, but in actual fact, buying a new or used car on finance can, instead, help build up a person’s credit score, so long as they keep abreast of their payment obligations.
Like all other forms of credit, car finance allows people to demonstrate to banks and loan providers that they are good at managing their finances and can be trusted.
In the UK, it is not illegal to drive barefoot or in flip flops, though the Driving and Vehicle Standards Agency (DVSA), the regulatory body for driving tests in the country, states that wearing suitable shoes behind the wheel is very important.
This is because driving without shoes does not provide you with the right amount of braking force needed to properly control the car, which is especially necessary in emergency situations. As such, the age-old saying “just because it isn’t illegal, doesn’t make it right” certainly rings true here.