Honor 9X is Honor’s first pop-up selfie camera. The Honor Magic Watch 2 and Band 5i, on the other hand, are the first fitness wearables to launch under company’s “1+8+N” ecosystem products
BS Web Team | New Delhi
Last Updated at January 14, 2020 17:38 IST
Chinese smartphone maker Huawei’s digital brand Honor on Tuesday launched in India the Honor 9X smartphone, Honor MagicWatch 2 and Honor Band 5i. Successor of the Honor 8X, the Honor 9X is the company’s first pop-up selfie camera phone. The Honor Magic Watch 2 and Honor Band 5i, on the other hand, are the first fitness wearables to launch under company’s “1+8+N” ecosystem products.
Honor 9X: Price in India and sale details
The Honor 9X comes in 4GB RAM + 64GB internal storage and 6GB RAM + 128GB internal storage configurations, priced at Rs 13,999 and Rs 16,999, respectively. As for the colour variants, the phone will be available in sapphire blue and midnight black colours. The phone will go on sale from January 19, exclusively on home-grown e-commerce platform Flipkart.
Honor 9X: Key specifications
The Honor 9X has a 6.59-inch fullHD+ screen. It is powered by Kirin 710 system-on-chip, mated with up to 6GB RAM and 128GB internal storage. The phone has triple camera set-up on the back, featuring a 48-megapixel primary sensor of an f/1.8 aperture, an 8MP ultra-wide sensor of 120-degree field-of-view (FoV), and a 2MP depth sensor. The phone has a 16MP selfie camera, which is a part of the pop-up module that comes out from the top. The phone boots Android Pie operating system-based EMUI 9.1.0 user interface. Powering the device is a 4,000 mAh battery.
Honor MagicWatch 2: Price in India and sale details
The Honor MagicWatch 2 comes in 46mm and 42mm size variants. The 46mm variant comes in charcoal black and faux brown colours, priced at Rs 12,999 and Rs 14,999, respectively. The 42mm variant comes in agate black and sakura gold colours, priced at Rs 11,999 and Rs 14,999, respectively. The MagicWatch2 will be available exclusively on Amazon India from January 18 (for Amazon Prime subscribers) and January 19 for all consumers.
Honor MagicWatch 2: Features
Made of steel, the Magic Watch 2 has a 1.39-inch AMOLED touchscreen (46mm) and a 1.2-inch AMOLED touchscreen (42mm). While the 46mm variant weighs 41g, the 42mm weighs 29g. Both the variants support watch faces, GPS and GLONASS tracking services, and up to 14 days of on-battery time. Additionally, both the variants are 5ATM water resistant and support Bluetooth calling service. They have a built-in heart rate sensor, which doubles up as sleep monitor and stress monitor. As for the fitness features, both the variants support 15 dedicated fitness modes, real-time voice over guidance and 13 different running courses.
Honor Band 5i: Price in India
Priced at Rs 1,999, the Honor Band5i comes in black colour and will be available exclusively on Amazon India from January 18 (for Amazon Prime subscribers) and January 19 for all consumers.
Honor Band 5i: Features
The Honor Band 5i has a 0.96-inch colour touchscreen of 160 x 80 pixels resolution. It supports watch faces and weighs 12g (without strap). It supports nine types of fitness activities, including outdoor and indoor running and walking. Additionally, the band has a heart rate monitor for sleep tracking and SPO2 monitoring. The band is 5ATM water resistant and supports incoming call notifications, message reminders, stop watch timer and activity reminder. The band has built-in USB charger.
First Published: Tue, January 14 2020. 17:27 IST
Source: Business Standard
Year of the Rat signals wealth: Should you invest in China as we celebrate the Chinese New Year?
This Saturday marks the beginning of the Chinese New Year of the Rat, the first in the 12 signs of the zodiac. The story goes that the Jade Emperor said the order of the zodiac would be based on the order in which each animal arrived to his party.
The Rat tricked the Ox into giving him a ride and as they arrived at the finish line, it jumped down and landed ahead of Ox, coming first.
According to Chinese culture, the rat is a sign of wealth and surplus and those born under it are generally believed to be industrious, thrifty, diligent and positive.
Millions of people over the world will celebrate the Chinese New Year on Saturday 25 January
China has faced struggles of late: ongoing trade wars with the US and, more recently, the dramatic outbreak of the Coronavirus.
It has taken a toll. Chinese mainland stocks are trading below historical averages meaning equities might appear attractive from a valuation point of view.
Over 2019, the MSCI China Index delivered an 18.9 per cent total return in sterling terms, ahead of the 14.3 per cent return from the MSCI Emerging Markets Index in which Chinese equities are the biggest constituent at 34 per cent.
So what should you do? Invest or steer clear?
As millions of people celebrate the Chinese New Year today, This is Money speaks to industry experts about their thoughts on the country’s economy, where they see value and even some of their top Chinese fund picks.
Barclays’ Will Hobbs suggests keeping an eye out for business confidence surveys
Will Hobbs, chief investment officer at Barclays Investment Solutions
China’s economy has been slowing over several years, even predating the current US administration.
We expect this slowdown to abate a little this year, perhaps contributing to a more helpful backdrop for the country’s stocks to do well.
We are among those who have responded to this stabilisation in the wider region by adding a little exposure to emerging market equities to our multi-asset class portfolios.
A lot of investor interest within the Chinese markets tends towards companies that benefit from the so called ‘New China’ economy.
This theme takes in the continuing emergence of a Chinese consumer story, meaning a focus on media, retail and pharmaceutical businesses.
In terms of the US-China trade wars, tensions have certainly dissipated in the past few months, however we suspect the main agitations between the two sides of the debate will remain for some time to come. Investors should be prepared for sporadic flare-ups at the very least.
Surveys of business confidence and early warning signals on trade remain key to watch for the wider Emerging Asia space.
Fund picks: We like the Fidelity Asia fund, managed by Teera Chanpongsang. It has about 40 per cent invested in China and the manager has a long and successful performance track record.
Caroline Yu Maurer says government support on the macro economy may drive a mean reversion trade for ‘old economy’ sectors
Caroline Yu Maurer, head of greater China equities at BNP Paribas Asset Management
China’s economic growth slowed materially in 2019 on weakening global demand and ongoing trade tensions uncertainties, but Chinese equities markets outperformed significantly over the year.
The tech sector had a good performing year mainly driven by strong expectation on 5G handset rollout as well as recovery of data centre demand.
Despite the re-rating in 2019, Chinese equity markets’ valuations remain attractive relative to developed equity markets.
Given its structural changes towards more consumption, innovation and sustainability, we believe long-term earnings growth opportunities can be found mostly in sectors like IT, healthcare, consumer space.
Having said that, old economy sectors such as financials, energy and materials have suffered de-rating due to economic slowdown. Any further government support on the macro economy may drive a mean reversion trade for those sectors.
China and the US signed a temporary trade agreement this month, as expected though the Trump administration made an unexpected comment that the tariff cuts would not take effect before the US election in November.
This comment has dampened the positive sentiment and underscored the market’s concern that the so-called ‘Phase One’ deal might have over-promised and is now under-delivering. Any substantive progress in bridging the gap on key, long-standing issues remains to be seen.
Darius McDermott says demographics are not great in China – a consequence of many years of the one child policy
Darius McDermott, managing director of Chelsea Financial Services
China has an economic growth rate that – although it is slowing – is still the envy of the rest of the world.
The stock market isn’t particularly cheap, but more companies are being made accessible to foreign investors: more Chinese A Shares have been added to the MSCI Emerging Market indices (so passive funds are forced buyers) and I believe China’s weighting in indexes can only continue to grow.
There is also political will to encourage companies to have better corporate governance and to return money to shareholders in the form of dividends. This is good for investors.
We like the Chinese consumer story and we also like technology where it is linked to the consumer. As a long-term story, the Chinese consumer should be an attractive one for investors.
It’s not all plain sailing though. There are obviously issues around things like Huawei, ongoing trade wars and the demographics are not great with an ageing population that is feeling the consequences of many years of a one child policy.
Debt is also very high – for the government, companies and now individuals. The banking sector is one that many professional investors avoid as a consequence.
Fund picks: There are some excellent active managers in this space. My favourite funds include the Invesco China Equity and First State Greater China Growth funds and Fidelity China Special Situations investment trust.
Jason Hollands recommends the Schroders Asian Total Return trust and Fidelity Emerging Markets fund for good exposure to China
Jason Hollands, managing director at Bestinvest
The last year – the Year of the Dog – saw investor sentiment towards this vast country overshadowed by the US-China trade war.
Despite this, investment returns were very strong, as they were across most markets.
Of course you should only invest on a longer-term horizon and when it comes to China, as with emerging markets generally, do so with your eyes wide open about the risks.
Governance standards are not the same in China as those in developed markets and despite the veneer of embracing the trappings of market capitalism, the Chinese authorities wield considerable influence over the markets and have the ability to intervene aggressively.
In fact the Chinese markets are packed with state-owned enterprises whose boards include representatives of the Communist Party. Shareholder interests can readily be eclipsed by companies being dragooned into actions that are deemed to be in the interests of the state.
On the positive side, the long-term case for being exposed to China is structural in nature and driven by the sheer, vast numbers. Over time, if China does continue to become more integrated into the global financial system, then clearly the potential growth from Chinese equities could be truly significant.
Fund picks: Funds and trusts worth considering include the Schroder Asian Total Return investment company, which has a defensive strategy, and currently has 23.9 per cent exposure to China, and Fidelity Emerging Markets which currently has 27 per cent invested in China.
Alex Farlow says positive figures in 2019 should provide healthy economic performance for Chinese markets this year
Alex Farlow, head of risk based solutions at Square Mile
The recently agreed trade deal between China and the US, and positive macroeconomic figures for 2019 should provide a good platform for healthy economic performance and therefore for Chinese markets to move higher in 2020.
But one should not think that this is the end of friction between China and its Western economic super power rival. It is likely to only be the beginning.
Other factors, however, appear to paint a decent outlook for China over the coming year.
Whilst the headline numbers show that Chinese GDP growth has slowed over the last decade from 9.4 per cent to 6.1 per cent, what it fails to highlight is that, given the strong increase in GDP over this period, the incremental expansion in growth over 2019 is bigger than it was at the faster growth rate 10 years ago – 145 per cent bigger in fact.
This means there are greater opportunities for Chinese companies than there were 10 years ago. The fact that the Chinese government has only undertaken modest levels of monetary easing over 2019 would imply two things.
Firstly, the government is happy with the current level of growth and secondly that they have more room to manoeuvre with interest rates currently at 4.15 per cent.
Fund picks: We see the First State Greater China Growth fund, which places an overriding emphasis on selecting higher quality companies, as a very strong option for long-term investors who wish to access the greater China region, but in a more conservative manner.
Meanwhile, the Matthews Asia China Smaller Companies fund seeks to take advantage of China’s growing shift towards a more consumer-driven economy by targeting the most innovative and entrepreneurial companies, typically located in emerging industries such as automation, healthcare, and e-commerce.
The 20 new cars most likely to FAIL their first MOT test
You might expect every car to sail through its first MOT test, which takes place once the vehicle hits three years old.
However, a review of recent data suggests that there are some models that have almost a one in four chance of flunking the annual assessment at the first time of asking.
Among the worst first-year performers is the best-selling new model of the last decade and the cheapest car you can buy in showrooms today, according to analysis, accurate to the end of 2019.
Failure rate: Here’s a countdown of the 20 models found to most likely flunk their first MOT test, according to records from last year
Motoring website and app KnowYourCar has crunched the numbers to reveal which models are most likely to fail a first MOT test.
With the initial roadworthiness assessment taking place 36 months after the car was first registered, it means all the models in the list are those that were bought new in 2016.
In May 2018 the Driver and Vehicle Standards Agency introduced new assessments, rules and defect categories for the MOT test.
This includes tougher emission requirements and checks for diesel particulate filters, increased scrutiny of lights and a three-tier defect categorisation – minor, major and dangerous, the latter two resulting in an automatic fail.
Here’s a count down of which 20 cars are most likely to flunk an MOT – and the reasons why the were deemed not fit for the road.
The data is split between petrol and diesel variants, and only models where 500 or more cars have been tested in the last year were included in the analysis.
We’ve also included a table of the models that were found to sail through the assessment most often.
Alignment of headlights and window wiper issues prevalent
As you will see from the list below, the two most common issues causing cars to fail an MOT is headlights not being aligned correctly and wiper blades failing to clear a windscreen adequately.
Dan Owen from KnowYourCar said it was ‘startling’ that this issue is causing such a high volume of fails.
‘Misalignment can be caused by a number of issues, including minor collisions, faulty headlight motors and even assembly issues at the car factory,’ he explained.
‘These MOT results certainly explain why so many cars’ headlights tend to dazzle at night.’
As for the wipers, a vehicle will fail if they are missing, insecure or in such a poor condition that they do not clear the windscreen to give the driver a clear view of the road ahead.
This is the main reason for car failing after the first year, according to the data.
However, the records don’t group individual fail reasons together, meaning issues with lights, suspensions, brakes, tyres and wheels as a whole will be more common than visibility problems.
More than 15% of Renault Grand Scenic diesels registered in 2016 flunked the first MOT test
20. Renault Grand Scenic (diesel)
First MOT pass rate: 84.21%
Number of cars taking first MOT test in 2019: 1,520
The Renault Grand Scenic is a model that’s progressively been in declining demand as the popularity of SUVs grows and sales of MPVs diminish.
That said, more than 1,500 diesel variants were registered in 2016 and underwent a first MOT test last year – and of those 15 per cent couldn’t pass.
The main cause of failures was down to poor headlight alignment, though there was a full spread of different issues that resulted in diesel Scenics not passing.
The Micra is a popular supermini in the UK, but there’s a 16% chance it will fail a first MOT test, records show
19. Nissan Micra (petrol)
First MOT pass rate: 83.99%
Number of cars taking first MOT test in 2019: 11,088
The Micra is a hugely popular supermini in the UK, but the data suggests owners of the latest model might have a few headaches at the first MOT test attempt.
Some 16 per cent of petrol models tested last year for the first time failed, the record show.
The most common failure reason was windscreen wiper issues causing 10 per cent of all those tested to receive a red cross.
The Toyota Hilux has cast a name for itself as being one of the most durable vehicles on sale – but MOT records show it is among the worst offenders when it comes to failing first MOT tests
18. Toyota Hilux (diesel)
First MOT pass rate: 83.92%
Number of cars taking first MOT test in 2019: 5,602
The Hilux has built a reputation for being one of the most durable vehicles you can buy. Top Gear famously left one at the top of a high-rise building that was demolished, and it still ran after coming crashing down to the ground with the rubble.
But first MOT pass rates of 84 per cent the latest model suggest it isn’t as dependable as you might think.
Headlamp alignment was the common fail cause, affecting 5 per cent of cars tested for the first time.
New checks as part of the MOT from May 2018
Stricter rules for diesel car emissions
A vehicle will get a major fault if the MOT tester:
• can see smoke of any colour coming from the exhaust
• finds evidence that the DPF has been tampered with
Other new checks include:
• if tyres are obviously underinflated
• if the brake fluid has been contaminated
• for fluid leaks posing an environmental risk
• brake pad warning lights and if brake pads or discs are missing
• reversing lights on vehicles first used from 1 September 2009
• headlight washers on vehicles first used from 1 September 2009 (if they have them)
• daytime running lights on vehicles first used from 1 March 2018 (most of these vehicles will have their first MOT in 2021 when they’re 3 years old)
The diesel VW Passat is a premium family saloon that has a 16% chance of failing a first MOT, the records show
17. Volkswagen Passat (diesel)
First MOT pass rate: 83.90%
Number of cars taking first MOT test in 2019: 18,978
The Volkswagen saloon is becoming less popular as many buyers shift to SUV alternatives, but it’s still in high demand as a rep mobile.
Almost 19,000 diesel Passats registered in 2016 were put through their first MOT test last year – and of these almost 16 per cent failed.
The most common reason for failures was because the ‘windscreen wiper does not clear the windscreen effectively’, which was attributed to 11 per cent of all 2016 Passats flunking at the first time of asking.
SsangYong is the Korean brand that predominantly sells budget-friendly SUVs. The Korando is one of these, though it doesn’t have the best first MOT test record
16. SsangYong Korando (diesel)
First MOT pass rate: 83.81%
Number of cars taking first MOT test in 2019: 1,254
If you’re looking for an affordable SUV, the SsanyYong Korando might be on the list given it costs from less than £20,000 new.
That said, it isn’t hugely popular, with just 1,254 diesel examples registered in 2016 that were MOT tested for the first time in 2019.
Of those, almost 16 per cent failed, with the most common reason for this being the same windscreen wiper and headlight issues troubling other models in this list.
The Citroen C4 Cactus is one of the most unique looking models on sale, but the first MOT test records aren’t so kind to the quirky crossover
15. Citroen C4 Cactus (petrol)
First MOT pass rate: 83.17%
Number of cars taking first MOT test in 2019: 1,777
The Citroen C4 Cactus has been updated since 2016, but three years ago it was one of the quirkiest looking family cars on the market – mainly due to the airbumps flanking the doors.
Some 1,777 petrol-powered examples were tested for the first time last year. Of these, nearly 17 per cent bombed in the tests.
What’s causing such a high volume of fails? ‘Headlamp aim out of alignment’ (4 per cent of all tested) and ‘windscreen wiper does not clear the windscreen effectively’ (4 per cent) again top the list.
The Vauxhall Corsa is among the best-selling cars in the UK, though MOT records show 17% fail their first test
14. Vauxhall Corsa (diesel)
First MOT pass rate: 83.07%
Number of cars taking first MOT test in 2019: 5,405
The vast majority of Vauxhall Corsas sold in the UK – and there’s usually a substantial amount – are petrol powered, though the brand shifted almost 5,500 variants with oil burning engines in 2016.
When it came time for these to have their first MOT test last year, only 83 per cent succeeded.
Again, windscreen wipers failing to clear a screen correctly was the main issues, affecting six per cent of all diesel Corsas scrutinised.
The Sharan is one of many large MPVs to feature in this list. Some 13% can’t pass a first MOT test
13. Volkswagen Touran (diesel)
First MOT pass rate: 82.58%
Number of cars taking first MOT test in 2019: 3,629
This list isn’t making good reading for buyers of large MPV models, with the VW Touran the latest model from the sector to feature in the rankings.
While it’s far from Volkswagen’s best-selling model, some 3,600 diesel variants were registered in 2016.
By the time it came to having a first MOT, some 13 per cent of these cars had window wipers problems that resulted in them failing the test.
The diesel variant of Citroen’s funky C4 Cactus is marginally less likely to pass a first MOT than the petrol equivalents
12. Citroen C4 Cactus (diesel)
First MOT pass rate: 82.49%
Number of cars taking first MOT in 2019: 1,382
The Citroen C4 Cactus petrol has already featured in this list, and now it’s the turn of the diesel variants – of which there were fewer registered, it appears.
The same common MOT fails impacted oil burners – windscreen wipers and headlight alignment – suggesting the exhaust emission and diesel particulate filter examination wasn’t causing too much of an issue for diesel examples.
Still, 17 per cent were black marked on their first MOT test.
Another Citroen in this list, though this time a 7-seat MPV aimed at large families
11. Citroen C4 Grand Picasso (diesel)
First MOT pass rate: 82.37%
Number of cars taking first MOT test in 2019: 3,188
The C4 Grand Picasso is Citroen’s answer to a seven-seat MPV to transport large families.
Of the 3,188 diesel examples registered in 2016 and undergoing a first MOT test in 2019, just over 82 per cent passed at the first attempt.
While headlamp aim being out of alignment is the most prominent reason for failed roadworthiness assessments, second was issues with the ‘registration lamp’ that illuminates the rear number plate (3 per cent of all models tests).
Top 10 reasons why cars of all ages fail an MOT test (DVSA)
1. Lights and indicators: 29.5%
2. Suspension: 20.2%
3. Brakes: 17.2%
4. Tyres and wheels: 10.9%
5. Driver’s view: 8.7%
6. Fuel and exhaust: 5.4%
7. Steering: 3.0%
8. Seatbelts: 2.2%
9. Bodywork and structure: 1.9%
10. Numberplates / VIN 0.9%
The Dacia Logan isn’t pretty, but it is cheap. Unfortunately, data shows that 18% fail a first MOT test
10. Dacia Logan (petrol)
First MOT pass rate: 81.83%
Number of cars taking first MOT test in 2019: 1,288
The first Dacia model to enter this list is the Logan, an estate version of the more popular Sandero.
Starting from a price of £8,495, it’s one of the cheapest new models on the market.
But records show that almost one in five 2016-registered petrol examples failed their first MOT test last year, mostly due to windscreen wiper and washer issues.
The Ford Fiesta has been the best-selling new car in the UK for the last decade and longer. Diesel variants struggle to pass a first MOT test at the initial time of asking
9. Ford Fiesta (diesel)
First MOT pass rate: 81.74%
Number of cars taking first MOT test in 2019: 13,163
That’s right, the UK’s most popular new and used car for the last decade is among the models most likely to flunk a first MOT test.
Of the 13,000 diesel examples registered in 2016 – and therefore tested for the first time three years later – fewer than 82 per cent passed without issue.
Headlamps out of alignment was responsible for 5 per cent of all test models failing, though 327 cars (2 per cent) flunked due to exhaust emission problems.
The Dacia Sandero petrol is the cheapest new car on sale in the UK, with prices starting from under £7,000. MOT test data says over 18% flunk their first roadworthiness check
8. Dacia Sandero (petrol)
First MOT pass rate: 81.70%
Number of cars taking first MOT test in 2019: 10,070
The Sandero has a slightly worse record of failing a first MOT than the bigger Logan estate, but only marginally.
The cheapest new car on sale in the UK (starting from £6,995) has a pass rate of less than 82 per cent for petrol models.
Again, it’s the same issues causing the highest volume of failure rates – poor alignment of headlights and issues with wipers.
While Seat doesn’t sell as many diesel-powered Ibizas as it does petrols, the records suggest the oil burners are less likely to pass a first MOT
7. Seat Ibiza (diesel)
First MOT pass rate: 81.49%
Number of cars taking first MOT test in 2019: 551
The Ibiza is the Seat alternative to the VW Golf and Skoda Fabia. Petrol variants are more popular, though it does sell a decent volume of diesel models.
Of the 551 tested, almost one in five didn’t pass at the first attempt.
This was for a variety of reasons, though headlight misalignment was top, failing 5 per cent of motors.
Dacia Logan diesels have more than an 18% fail rate when it comes to a first MOT when the cars turn 3 years old
6. Dacia Logan (diesel)
First MOT pass rate: 81.84%
Number of cars taking first MOT test in 2019: 2,225
Petrol variants of the Dacia Logan have already appeared in this list, but it seems the diesel is even more likely to struggle to its first MOT.
The figures show that almost one in five fail to get through the assessment at the first time of asking.
The same common issues are being recorded on oil burners.
The Isuzu D-Max might look like a big bruising pick-up that can take on all terrains, but more than 18% can’t tackle an MOT tester and their checklist of items
5. Isuzu D-Max (diesel)
First MOT pass rate: 81.46%
Number of cars taking first MOT test in 2019: 5,221
Another pick-up to make it into the list is the Isuzu D-Max, which has proved popular among small business owners.
Of the 5,000 or so registered in 2016, around 18 per cent didn’t pass their first MOT test.
Despite being a truck, it is susceptible to the same problems that has seen most other cars in this list fail, including headlamp aim out of alignment (4 per cent of all cars tested).
The 500L is Fiat’s attempt to use an iconic name to sell a large – a pretty ugly, in our opinion – MPV. The first MOT pass rate is under 81%
4. Fiat 500L (diesel)
First MOT pass rate: 80.88%
Number of cars taking first MOT test in 2019: 1,334
When you think of a Fiat 500, most will picture the super cute – and exceptionally dinky – city car based on the 1950s original. However, the 500L is a behemoth sharing the same name.
Fiat’s answer to a practical MPV isn’t to all tastes – hence why only around 1,300 appear to have been registered in 2016.
With a first MOT-test fail rate of almost 20 per cent, its record isn’t particularly strong. Again, wiper issues are most common.
The Dacia Sandero diesel is less likely to pass a first MOT test than the petrol variants, with an average success rate of just 79%
3. Dacia Sandero (diesel)
First MOT pass rate: 79.03%
Number of cars taking first MOT test in 2019: 4,854
This list really hasn’t been kind to the Sandero or Dacia as a whole. We’ve already featured the Logan estate with both petrol and diesel engines and the unleaded version of the UK’s cheapest new car – and now it’s time for the diesel.
More than one in five fail their first MOT test, the DVSA’s stats show.
Headlights out of alignment is the key reason for 12 per cent of all diesel Sanderos tested failing, while unfit wipers and failing windscreen washers was also the downfall a similar volume of examples.
The Peugeot 5008 is the modern car that’s second most likely to fail a first MOT test, with a fail rate of almost 22%
2. Peugeot 5008 (diesel)
First MOT pass rate: 77.15%
Number of cars taking first MOT test in 2019: 2,696
Yet again, an MPV has made it into the order for the models most likely to flunk a first MOT.
The 5008 is Peugeot’s big people carrier that seats up to seven people at one time. But while it might be practical, it has a relatively shabby track record when it comes to MOT tests.
Almost 23 per cent of diesel versions registered in 2016 failed the assessment at the first time of asking. Most common issues were – yet again – headlight alignments, but also failure of brake lights, impacting 11 per cent of all 5008s tested.
The SsangYong Rodius isn’t easy on the eye. Also not easy for the large MPV is passing a first MOT test, with the worst fail rate of all vehicles enduring an initial assessment in 2019
1. SsangYong Rodius (diesel)
First MOT pass rate: 76.87%
Number of cars taking first MOT test in 2019: 709
Topping the charts with the highest failure rate was the diesel-powered Ssangyong Rodius MPV.
Of the 709 examples undergoing their first test last year, a worrying 23 per cent were deemed unfit for the road.
The most common reason for the Korean family car failing was windscreen wipers not being in a fit state to clear the screen, accounting for 6 per cent flunking.
Headlights out of alignment was the next most common issue, impacting 5 per cent.
You can check the full list of data for the best and worst cars for passing a first MOT, and the highest and lowest fail rates for the first five MOT tests using KnowYourCar’s online database.
The 20 cars that are MOST likely to pass their first MOT test
1. Porsche Boxster (petrol) – 97.46% pass rate (1,325 tested)
2. Lexus RX (hybrid) – 96.82% pass rate (2,548 tested)
3. BMW i3 (electric) – 96.78% pass rate (528 tested)
4. Bentley Continental (petrol) – 96.77% pass rate (899 tested)
5. Honda Jazz (petrol) – 96.49% pass rate (19,276 tested)
6. Audi A8 (diesel) – 96.37% pass rate (963 tested)
7. Porsche Cayman (petrol) – 96.15% pass rate (1,116 tested)
8. Infiniti Q30 (diesel) – 95.96% pass rate (1,706 tested)
9. Mini Paceman (petrol) – 95.93% pass rate (861 tested)
10. Toyota GT86 (petrol) – 95.91% pass rate (684 tested)
11. Audi A5 (petrol) – 95.88% pass rate (728 tested)
12. Kia Niro (hybrid) – 95.75% pass rate (1,270 tested)
13. Porsche Macan (petrol) – 95.73% pass rate (1,899 tested)
14. Mercedes-Benz S-Class (petrol) – 95.69% pass rate (534 tested)
15. Lexus NX (hybrid) – 95.64% pass rate (3,898 tested)
16. BMW X1 (petrol) – 95.55% pass rate (1,867 tested)
17. BMW M135 (petrol) – 95.55% pass rate (1,484 tested)
18. Mercedes-Benz GLA (petrol) – 95.45% pass rate (1,408 tested)
19. Mercedes-Benz SL (petrol) – 95.31% pass rate (789 tested)
20. Jaguar F-Type (petrol) – 95.28% pass rate (2,161 tested)
Source: KnowYourCar.co.uk using DVSA data
Is Hampshire Trust Bank a safe place to put my savings?
Topping the independent This is Money best buy savings tables are a raft of unfamiliar names who continue to shame the big banking boys.
After the relatively well-known Metro Bank slashed rates on some of its cash Isas earlier in the week, there is now a new relatively unknown provider at the top of some of our tax-free tables.
That bank is Hampshire Trust Bank and it pays 1.41 per cent on its one-year fixed-rate cash Isa and 1.48 per cent on its two-year.
Unknown: Many savers looking for a decent savings rate will likely come across smaller banks they don’t recognise. Hampshire Trust Bank is the latest to top the tables
These are the best and second-best rates in our tables, respectively, while it also offers a 90-day notice account paying 1.4 per cent, and non-tax-free fixed-rate deposits of between one and five years, though those accounts are not best buys.
All its accounts can be opened online,and its cash Isas can be opened with £1 which accept transfers.
For those worried about the fact they have never heard of it before, that is possibly because Hampshire Trust Bank is a relatively new provider, at least in its current form.
Between 1977 and 2014 it was originally known as Hampshire Trust, and was based in Fareham, near Portsmouth. This is where the Hampshire in its title comes from.
In 2014, it was bought by a private equity firm and relaunched with an office in Bishopsgate, in the City of London. It also has an office in Leeds, but no presence in Hampshire.
Hampshire Trust Bank pays 1.41% on one-year cash Isas and 1.48% on two-year Isas
Its change of ownership was approved by the Bank of England in 2014 and it is authorised to accept customer deposits by the Financial Conduct Authority.
Importantly, deposits are covered by the Financial Services Compensation Scheme up to £85,000.
The situation is fairly similar to that of Cynergy Bank, a lesser-known provider since a recent ownership change which frequently tops our best buy tables.
Cynergy Bank was previously known in the UK as Bank of Cyprus, before it was sold in July 2018.
Tom Adams, head of research at savings advice site Savings Champion, says: ‘As long as the provider is part of the FSCS and you keep within the £85,000 limit, there is no reason not to try a lesser-known name.’
According to Hampshire Trust Bank, savers’ deposits will principally be used for lending out to small businesses, namely ‘everyday housebuilders’, as well as for lending buy-to-let mortgages and shorter-term, riskier bridging loans.
It also offers car finance, including finance for classic cars, and has a balance sheet of around £1.25billion.
Following the announcement by the Office for National Statistics that inflation fell to 1.3 per cent in December, an enormous 438 on-sale savings accounts pay at least that rate, including 17 easy-access deals.
But it’s unlikely many of these will come from banks or building societies that are household names.
THIS IS MONEY’S FIVE OF THE BEST SAVINGS DEALS
Gatehouse Bank pays a top rate of 1.7% AER interest on its one-year fixed rate account. The minimum deposit is £1,000. The bank is Sharia compliant and therefore pays an expected profit rate rather than guaranteed interest.
Newbury BS pays up to 1.5% AER interest on its easy access Welcome to Newbury account, which can be opened online or in person with a minimum of £5 up to a maximum of £3,000. Only available to new members.
Cynergy Bank pays a rate of 1.4% AER interest on its one-year fixed rate Isa. The minimum deposit required is just £500.
Yorkshire BS pays a top rate of 1.35% AER interest on its one year Limited Access Saver account. The account permits withdrawals on one day of the year only . It requires £100 to open, make sure to switch after a year as the rate drops.
Masthaven pays 1.68% AER interest 18-month fixed-rate savings account. It requires £500 to open an account.
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