Mar 3, 2023 | Insurance |
Insure your car all-risk, limited-casualty or third-party? When you buy a car, you need to think about this carefully and weigh up the risks. In this article, we explain the general differences, we write "general" on purpose because different conditions apply between providers. There are also various additional coverages you can choose. In the end, of course, it is also a matter of feeling, if you don't want to run any risk then all-risk car insurance is obviously better for your peace of mind. In this article, a brief explanation of the car insurance and additional covers.
All-risk, limited casco or third-party
The exact name depends on the insurer and so do the conditions. However, there are similarities between different providers.
The Third-party insurance is the most basic insurance and covers damage to others and provides assistance in case of damage.- Limited casco covers more damage, besides damage to others, consider fire and explosion damage, burglary and theft, storm/hail and flood damage, animal damage and windscreen damage. This is a frequently chosen insurance policy.
- The name all risk says it, all risk will be covered. The main difference between all risk car insurance and limited casco is that an insurer will also cover collision damage in case you are at fault in an accident. Vandalism will also be covered which is not the case with limited casco. But to be sure if this is also the case with your insurer of choice, we always refer you to the insurer for more info!
What about additional coverages?
Most insaas also offer supplementary packages. coverages. Consider the following options:
- Roadside assistance insurance so you get replacement transport or a repair arranged in case of a breakdown. This is often valid throughout Europe.
- Passenger insurance that also covers your fellow passengers and belongings in case of injury and damage.
- Traffic legal assistance where you get legal and expert help in traffic disputes.
- Renewal of, for example, the new-value or purchase value. This is especially important when buying a new car, for example, if your new car is stolen in the first 3 years then the insurance will cover the purchase of a new equivalent car.
When do you choose which insurance?
First of all, everyone has to decide this for themselves, but there are of course guidelines. Most people insure a new car for the first six years all-risk. This is because the purchase value and daily value are high and repairing or replacing a damage or vehicle is expensive. After 6 years, it becomes a different story, because cars depreciate quickly. In that case, you can opt for limited hull insurance, for instance. Of course, make sure you have a buffer to be able to replace or repair the car in case of an accident due to fault.
As mentioned, all insurance types have different conditions, designations and additional cover. What suits you best can vary from one situation to another. Be well informed and get well insured on the road!
Mar 2, 2023 | Damage |
Do you still get cold shivers when you think back to the moment when you accidentally scraped your two-week-old car along the wall of the narrow underground car park?
Scratches in your car's paintwork are always annoying, but sometimes you can't do anything about them yourself: scratches occur when small stones hit the front of the car or a marten leaves its mark on the bonnet on its way to the engine compartment. If you have intentions of selling your car, scratches are undesirable and it is best to remove them yourself as much as possible.
You don't have to drive straight to the workshop for paint damage to your car. You can remove many small scratches yourself, especially if they only damage the clear coat. This applies to most everyday damage, for example to door handles or around the fuel filler cap. In this blog you can read which scratches you can remove yourself and how you can do this best.
The paint structure of a car
What you recognise in your car as misano red pearl effect paint or metallic tenorite grey is the result of state-of-the-art technology: car paint consists of four layers which, together with the sheet metal, are only as thick as a human hair, about 1 millimetre. The actual colour layer is the thinnest at 0.015 millimetres.
If a scratch only damages the clear coat, you can polish it yourself with just a few tools. If the basecoat has already been damaged, you should only lend a hand yourself as an experienced hobbyist. For all other paintwork damage, trust the experts in your workshop or bodyshop. Two simple tests will show you how deep the scratch goes into your car's paintwork:
- Look closely at the scratch: If you see a different colour than the paint on the damaged area, the scratch has already reached the primer. Polishing no longer helps.
- Feel the scratch: carefully run a fingernail over the scratch. If you get stuck, this point is too deep to polish.
How to polish paintwork scratches
Ingredients:
- sponge
- hot water
- Liquid Washing Silicon-Free Polish
- cleaning cloths
- terry towel
And this is how it works:
- First clean the affected area thoroughly from dirt and dust, for example with warm water and soap, and rub it dry with a polishing cloth. This is important so that the lacquer can work properly later.
- Treat the scratch over a large area by the lacquer with the polishing cloths provided and rub in with circular movements. The lacquer works like a very fine sandpaper and removes the scratch by removing some of the paint. So be very careful not to make the damage to the paintwork even worse.
- The varnish creates a film on the paint. Let it dry thoroughly and then treat it with a terry towel. You should then see that the scratch has disappeared.
How to remove scratches from rims
Ingredients:
- Sponge
- hot water
- Detergent
- Car Wheel Cleaner
- A very fine abrasive specially made for car rims
- Touch-up stick in the colour of the rims
- Sealing (sealing paint)
And this is how it works:
- First, clean the rims so that they are free of dust and dirt.
- Carefully roughen the scratch with a small piece of fine sandpaper and then thoroughly clean the rims again.
- Now you can touch up the scratch with the retouching pen (Touch-up stick). Let it dry well!
- Apply sealing varnish to the repaired area using circular motions. Then polish with a soft cloth.
Be careful with deep scratches: if they already form cracks, there is a risk that the rim will break while driving. A simple cosmetic repair is not sufficient. Only a new rim can ensure safe driving.
Removing scratches on plastic parts
Some parts are painted along. This is obviously more work to restore.
Ingredients:
- sponge,
- hot water,
- detergent,
- Wettspray oil or felt-tip varnish
- special sandpaper
- Clear Varnish
- Bumper Filler
- Car paint in the right colour
And that is how it works:
- Start by cleaning the bumper and making it grease-free using a powerful degreaser.
- In case of a crack or hole, reinforcing film with resin can be used to reinforce the plastic bumper again.
- Use a special bumper putty to restore a crack, hole or dent to its original shape.
- After applying the 2K putty to the car bumper, the bumper and putty can be sanded smooth.
- Spray a plastic primer to prime the bumper.
- Use a car paint spray can to paint the bumper back to the car's original colour.
- Spray the colour paint with a 2K clearcoat to give the sprayed paint gloss and protect it from external influences.
Is the damage that bad and you want to totally replace a bumper or other body part? Then you can also look for a suitable second-hand part. We have outlined the pros and cons of second-hand parts in this article listed.
Removing scratches on glass and chrome
For scratched chrome parts, special cleaners and polishes are available from specialist dealers to remove the damage. If the windows are scratched, you should go to the workshop and have a professional stone chip repair done. If necessary, even very minor damage can be repaired with a stone chip repair kit.
Using toothpaste to remove scratches?
The only reliable remedy for small scratches in the home is regular white toothpaste. Press the toothpaste onto a damp cloth and rub it over the scratch. Little by little, the toothpaste - and thus the scratch - will disappear. This is because there are small abrasive particles in the toothpaste which, together with small paint particles, penetrate the car paint and fill the scratch. If the scratch has not disappeared after the first procedure, repeat the process. Usually, the repair works.
Nail polish is also recommended time and again to repair scratches. But that is one thing. Firstly, the nail polish usually does not match the colour of the car paint. Secondly, in the summer, when it gets very hot, the nail polish can blister or crumble.
Which scratches need to be sprayed?
Small, fine scratches are one thing, deep scratches are another. A branch hangs too far into the driveway and the paint is damaged down to the metal plate or putty. Then it usually doesn't help to remove the scratch yourself. Now you have to take the car to the workshop to get it repainted.
What are the most common paint defects?
These spots on the car are most likely to get scratched. But why is that?
- Behind the door handle. The reason for this is usually rings worn on the hand, which scratch the paintwork when the car door is opened.
- On the sill/threshold on the driver's side. And not because the leather or rubber soles of the shoes damage the paintwork, but small stones embedded in the profile of the sole.
- Next to the fuel cap. Some drivers have the habit of leaning against the car while refuelling. That way, the small rivets of the jeans come into focus.
- The round parts of bumpers. Sometimes the parking space in the underground garage is just narrower than the day before. Or did someone move this pillar from one day to the next?
- The loading edge of the boot can only be seen when the tailgate is open, but this is where beverage crates and shopping bags and skis and things from the hardware store etc. get scratched.
Do you still want to seek professional help?
Do you still want to hire professional help? Then consider the company AAS Day Recovery, for example. They can help you well with damage such as light car scratches removal. They will also use polishing to repair minor scratches which will make the scratch disappear.
Feb 22, 2023 | Financial |
As we have also written in other blogs, leasing a car can be a financially sensible choice. Keeping a car on the road is an expensive hobby, especially if you decide to buy one nice car. First of all, you then have to invest a large amount of money in the car of your dreams and then these days you have to pay more and more for fuel and there are several measures coming up that are going to put additional taxes on emissions. A good way to keep the cost of your car under control is to switch to an electric car. Buying an electric car is still on the expensive side but, of course, you don't have to buy an electric car to drive one. How about this? You can also get to private lease going to do. This is an interesting way not only to be able to drive sustainably, but also to make sure that you never face any major unexpected expenses. So this can be financially attractive!
Lease an electric car
At the time of writing, buying an EV is still very expensive. Sure, there are subsidies and pots but still you often have to dig deep into your pockets. This is a reason for many people not to make the switch yet, even though they would like to. In this case private lease electric car from Univé, for example, is an interesting option. This is because you can lease an electric car for a period of five years for a fixed amount per month. You then spread your costs so you don't have to make a big investment all at once. Moreover, you do not have to worry that you will have to bear the costs of any repairs to your car. These are covered by the leasing company. So you have the joys of driving, but not the burdens.
Which model do you want?
If you are interested in an electric lease car, it is time to see which model you would like. You can choose from many well-known brands including Citroën, BMW, Audi or Tesla. Look carefully at how many kilometres you expect to drive per year. This is important when it comes to the range of your car. This is the number of kilometres a car can cover on a full battery. If you think you will only drive a few hundred kilometres a week, you can choose a car with a lower range. If you spend all day in your car, it is advisable to go for a more luxurious car with a higher range. So be well informed about the car's range to avoid having to recharge your battery every three hours.
Interested in a second chance?
Should you be keen to get a competitive deal, check out the 'second-hand cars' offered by Univé. These are electric used cars that are still in good condition. That way you drive just as well, but for a lower price. Ask Univé about the possibilities.
Feb 18, 2023 | Buying advice, BMW |
The BMW e90 was introduced in 2004 as a replacement for the successful e46 model. The new model had a more aggressive design, with a wider stance and larger wheels. The interior was also redesigned, with new materials and better ergonomics.
In 2004, the e90 was the new benchmark
Upon its introduction in 2004, the BMW e90 quickly became one of the Bavarian carmaker's most popular models. With its stylish design, powerful performance and advanced technology, the e90 set a new standard in the D-segment. In the years since its debut, the e90 has continued to evolve, adding even more advanced features that made it one of the most innovative cars at the time.
Examples of these innovations:
- Connectivity features such as Bluetooth and USB integration
Today, these features are standard on most new cars, but back then they were advanced technologies that made it easier than ever to stay connected on the road.
The latest generation of e90s are equipped with self-driving capabilities that allow them to park themselves and even change lanes automatically. This technology was still at an early stage, but was certainly innovative.
The e90 has always been a safe car, but recent generations have added even more safety features, such as blind spot monitoring and lane departure warning. These systems help drivers avoid accidents by giving them information about their surroundings that they might not otherwise have.
Engines in the BMW e90/91
Like every BMW, this 3-series has a wide range of engines. From economical four-cylinders to the super fast M3 with an eight-cylinder. It came in both petrol and diesel, and a few more engines were added after the facelift in 2008. See the complete overview below:
The different versions of the E90/e91
The BMW E90 was available in different lines or packages with different features and specifications. Here is an overview of the main differences between the Business line, Executive line, M Sport line and High Executive line:
Business line:
The Business line is the standard package for the BMW E90. It includes basic features such as air conditioning, electric windows and a sound system. It can also include alloy wheels and a leather-clad steering wheel.
Executive line:
The Executive line is a step up from the Business line and includes extra features such as leather upholstery, a multifunction steering wheel and an upgraded sound system. It may also include larger alloy wheels, park distance control and a panoramic sunroof.
M Sport line:
The M Sport line is a performance package that includes a sports suspension, larger alloy wheels and sports seats with extra support. It also includes an M Sport steering wheel, M Sport body kit and M Sport wheels.
High Executive line:
The High Executive line is the top package for the BMW E90 and includes a range of luxury features such as leather upholstery, a panoramic sunroof, an upgraded sound system and a full-colour head-up display. It can also include features such as park distance control, adaptive headlights and a larger infotainment display.
Petrol engines:
316i: 1.6-litre four-cylinder engine with 122 hp
318i: 2.0-litre four-cylinder engine with 129 hp
320i: 2.0-litre four-cylinder engine with 156 hp
323i: 2.5-litre six-cylinder engine with 204 hp
325i: 3.0-litre six-cylinder engine with 218 hp
328i: 3.0-litre six-cylinder engine with 233 hp
330i: 3.0-litre six-cylinder engine with 272 hp
335i: 3.0-litre six-cylinder twin-turbo engine with 306 hp
M3: 4.0-litre V8 engine with 420 hp (only available in the E90 M3)
Diesel engines:
316d: 2.0-litre four-cylinder engine with 115 hp
318d: 2.0-litre four-cylinder engine with 143 hp
320d: 2.0-litre four-cylinder engine with 163 hp
325d: 3.0-litre six-cylinder engine with 197 hp
330d: 3.0-litre six-cylinder engine with 245 hp
335d: 3.0-litre six-cylinder twin-turbo engine with 286 hp
Please note that engine availability may depend on the region in which the car was sold and the year of manufacture of the car.
Engine problems N43, N45, and N46 (the 316, 318 and 320i)?
The BMW N43, N45, and N46 engines are known to have a number of potential issues. Here are some of the most common problems owners have reported:
- Faulty timing chain: The timing chain in these engines is known to stretch and wear prematurely, which can lead to engine damage and expensive repairs. You often hear this during cold starts (rattling sound).
- Vanos system failure: The Vanos system is responsible for controlling the variable valve timing in the engine. A failure in this system can lead to rough running, reduced power and higher fuel consumption.
- Faulty high-pressure fuel pump: The high-pressure fuel pump in these engines has been known to fail, causing starting and driving problems.
- Oil leaks: The N43, N45 and N46 engines are prone to oil leaks at the valve cover, oil filter housing and oil pan gasket.
The N43 in particular is known to be unreliable. This is in the post-2008 facelift model.
- Cooling system problems: These engines are known for cooling system problems, including leakage from the radiator, water pump and thermostat housing.
- Faulty ignition coils: The ignition coils in these engines can fail, causing ignition errors and engine running problems.
If you experience any of these problems with your BMW N43, N45 or N46 engine, it is important to have it diagnosed and repaired by a qualified BMW mechanic to avoid further damage and expensive repairs.
Engine problems N52, N53, N54 and N55 (6 cylinders)?
There are several known problems with the BMW N52, N53, N54 and N55 engines. Here are some of the most common problems:
- High-pressure fuel pump failure: The high-pressure fuel pump in these engines may fail, causing starting and driving problems.
- Faulty water pump: The water pump in these engines is prone to failure, which can lead to overheating and engine damage.
- Vanos system failure: The Vanos system is responsible for controlling the variable valve timing in the engine. A failure in this system can lead to rough running, reduced power and higher fuel consumption.
- Oil leaks: The N52, N53, N54 and N55 engines are prone to oil leaks at the valve cover, oil filter housing and oil pan gasket.
- Faulty turbocharger (N54 and N55 engines): The N54 and N55 engines are equipped with turbochargers, which are known to break down and require replacement.
- Ignition coil failure: The ignition coils in these engines can fail, leading to ignition errors and engine problems.
- Carbon buildup: The N54 and N55 engines are prone to carbon buildup on the intake valves, which can lead to rough running, reduced power and higher fuel consumption.
If you experience any of these problems with your BMW N52, N53, N54 or N55 engine, it is important to have it diagnosed and repaired by a qualified BMW mechanic to avoid further damage and costly repairs.
Engine problems M47, M57 (diesel engines)
There are several known problems with the BMW M47 and M57 engines. Here are some of the most common problems:
- Timing chain failure: The timing chain in these engines is known to stretch and wear prematurely, which can lead to engine damage and costly repairs.
- Faulty turbocharger: The M47 and M57 engines are equipped with turbochargers, which are known to break down and need replacement.
- Diesel particulate filter (DPF) blockage: The M47 and M57 engines are equipped with a DPF, which can become clogged and cause a range of problems, including reduced power, warning lights and higher fuel consumption.
- Faulty high-pressure fuel pump: It is known that the high-pressure fuel pump in these engines can fail, causing starting and driving problems.
- Faulty fuel injectors: The fuel injectors in these engines can fail, causing them to run rough and produce less power.
- Faulty glow plugs: The glow plugs in diesel engines are prone to failure, especially in colder climates.
Sporty driving
The BMW E90 or E91 offers excellent handling thanks to its sporty suspension. This system consists of struts, lower wishbones, front and rear anti-roll bars and gas shock absorbers. This suspension system gives the E90 or E91 great body control without sacrificing comfort. Of course, the rear-wheel drive helps the sporty driving experience.
Advanced safety features.
In terms of safety, the BMW E90 or E91 is equipped with numerous advanced safety features. These features include airbags, ABS brakes, traction control and stability control. The E90 or E91 also comes standard with a tyre pressure monitoring system that alerts the driver when one or more tyres are underinflated. The NCAP score was 5 stars.
Fuel consumption
The BMW E90 or E91 is fuel-efficient thanks to its efficient engines and aerodynamic bodywork. With the four-cylinder petrol engines, you can average 1 in 14 with a normal driving style. The six cylinders are not too thirsty either, 1 in 12 can be achieved. Finally, the diesels are very fuel-efficient; the 320d can do 1:20 and the 330d averages 1:15.
Final verdict.
The advantages of a BMW E90 or E91 outweigh the disadvantages, making it a good choice for anyone looking for a used car. Now, the main advantages of the E90 are its economical price, stylish design, powerful engines and different equipment levels. Moreover, the exterior design is sleek and elegant with robust features, while the interior offers a chic space with quality materials and modern technology. In terms of performance, the E90 is equipped with reliable engines that provide sporty handling and advanced safety features. Finally, fuel economy is good for a car of this size. All these factors make the BMW E90/E91 an excellent choice for a used car.
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