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Key to buying a car: Just say 'No' Chicago Sun-Times

And even if you utter those words, watch what you sign -- to make sure something didn't wriggle into the contract that you didn't want, says Jack Gillis, spokesman for the Consumer Federation of America and the author of The Car Book.

"At the end of a transaction, you're emotionally exhausted, and you're handed a sheaf of papers and you sign," said Gillis. "One of the things consumers face is that at that point in the transaction they just want to get out of there, and that really works to the dealer's advantage."

Gap or "guaranteed asset protection" insurance isn't necessarily a bad thing -- it's useful if you're heavily financing a car, and you total it soon after the purchase. Regular car insurance won't always cover the cost of the loan, and gap covers what regular insurance won't.

But you shouldn't pay for gap insurance if it's added when you didn't ask for it, but sometimes it ends up in the contract anyway, consumer advocates say.

"Consumers aren't paying attention in some instances," said Steve Bernas, president of the Chicago area Better Business Bureau.

Banco Santander and Equity sign affinity agreement

An affinity partnership agreement has been signed today by Equity Direct Broking Limited (EDBL) and Santander Insurance Services UK (SISUK), part of Banco Santander.

The new motor insurance policy (Santander Car Insurance) is to be aimed at Abbey customers, and offers free breakdown coverage.

Abbey is one of several British banks the Spanish banking giant has taken over in recent years, the others being Alliance & Leicester and Bradford & Bingley.

Unlike many other Western financial institutions Santander performed robustly during the subprime mortgage crisis, putting it in a position to takeover weaker firms.

In Q1 of this year Santander recorded profits of €2.1bn, up 8% compared to Q4 of 2008.

Santander Car Insurance is also to be made available over the internet through established sites such as GoCompare, Moneysupermarket.com, TescoCompare and InsuranceWide.

Santander Car Insurance will enable customers to enjoy free breakdown cover for life and additional named drivers will earn no claims bonus.

Abbey staff will also be able to take advantage of key cover as standard.

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