The automotive industry is undoubtedly one of the most dynamic in the world. It is a sector that lives and breathes on innovation, with those businesses innovating fastest and deepest always winning. Consumers are quick to vote with their wallets if a brand comes out with something they are desperate to get a piece of.

Whether you are a manufacturer or dealer, maintaining competitive advantage is no longer just about the vehicles you make and sell; it’s about product, service and brand seamlessly combining to tell consumers that this is the one for them.

This is where partners like Bumper have a critical role to play. Manufacturers and dealers do what they do best – make and sell cars – and bring the very best partners in the world in other crucial elements of the customer experience to ensure those three components of excellence are delivered.

Given this context, at Bumper we have always known that staying ahead of the curve is not just a goal, it is an absolute necessity. If you stand still, you die – and while we have been on an incredible growth journey to date, becoming what is undoubtedly one of the leading businesses in automotive payments in Europe, we – like our industry partners – strive for better.

The $48 million funding round we announced last week underpins that ambition. We want to be the dominant payment platform for car dealers across Europe, giving their customers the ultimate flexibility in making the necessary payments to keep their cars on the road.

Our journey began with a simple yet powerful idea: to make car repairs less financially burdensome for owners while empowering dealerships with advanced, digital payment solutions to enable those customers to say “yes” to the repairs and upgrades they need. Delivering a product to meet this simple mission has ultimately driven our exponential growth, and the endorsement of investment from JLR’s InMotion Ventures and Porsche Ventures is a hugely positive moment.

The recent funding round, led by Autotech Ventures and bolstered by Shell Ventures, in addition to both JLR and Porsche, is about more than capital: it is a resounding vote of confidence in our vision to become the go-to payment platform for dealers anywhere in the world.

Our strategy is straightforward yet ambitious. We’re expanding our reach, targeting key European markets including the UK, Spain, Germany, the Netherlands, and Ireland. While Bumper is already available through 5,000 dealers, enabling more than 250,000 repairs in the past year alone, our goal is to double this number annually.

While the growth strategies of automotive businesses vary widely from brand to brand, they increasingly have one consistent goal: to support their customers with the car-related challenges they face, take the pressure away when decisions are difficult and, ultimately, give them the most enjoyable car-buying and owning experience possible. Financing servicing and repairs is a fundamental part of delivering that, and there has never been a more critical time for dealers to consider the services they provide, with the cost-of-living crisis leading any car owner or buyer to consider their options more deeply than I have seen in my lifetime.

Bumper’s success isn’t just measured in numbers, it’s reflected in the relief and satisfaction of car owners who can keep their vehicles on the road without financial strain, and in seeing the thriving businesses of our dealer partners that can offer more to their customers. These objectives are ultimately two that not only mean the end customer is hugely positive, it speeds-up the time to purchase and drives incremental revenue.

Innovative payments: Bumper’s new funding will support an exciting future for car dealers across Europe

Pagos innovadores: La nueva propuesta de Bumper abrirá un futuro apasionante para los concesionarios de automóviles de toda Europa.

We're pleased to announce the winner of the Dealership of the Month for November 2023 is York, Ward & Rowlatt.

The site achieved a record-breaking month in November by doubling the number of customers paying for their repairs through Bumper.

York, Ward & Rowlatt has been a part of the Bumper network since 2016 and in that time has established the pay monthly option as a fundamental part of their aftersales process. The team have now installed the Bumper PayPads, giving customers the power to choose between PayLater and PayNow in just a few clicks.

Mutual Bumper and York, Ward & Rowlatt customers agree that the customer service at the site is truly unbeatable. One reviewer said, “Fantastic service and a great team. Really helped me understand everything clearly with good communication.” Another said, “Great to be able to spread the cost of maintaining a car over a set period of time, really helpful in such precarious financial struggles.”

Bumper’s Darren Gloster visited the site to hand over the award. He said, “I’d like to say a big congratulations to York, Ward & Rowlatt. They’ve been a long-standing and valuable partner for Bumper.

“It’s fantastic to see the team working so hard to bring customers greater payment flexibility. They’re incredibly knowledgeable about Bumper’s products and have now adopted the PayPad into their everyday process so easily.”

Congratulations to, Rebecca, Stuart, Paul, Dan and the whole team at York, Ward & Rowlatt!

York, Ward & Rowlatt Win Dealership of the Month 

For many people, Christmas time means one thing - food. And lots of it. That’s why, in celebration of this delicious holiday season, we’ve asked our AI friends to tingle your tinsel tastebuds and turn popular cars into Christmas biscuits.

So, without further ado, let’s take a trip to a biscuity winter wonderland.

Cruise control and chocolate chips in this biscuity BMW M3.

From the biscuit tin to the tailpipe with the VW Touareg.

Cruisin through the snow in a one-horsepower open sleigh.

Take a road trip to flavour town in this Mazda.

Sleigh bells ring, are you listenin'? Turbochargers whir, presents glisten.

Revving up the oven for this flavoursome Fiesta.

Accelerate your taste buds in this delectable Hybrid.

Brake-ing news: Santa's ride just got a festive tune-up.

I’m driving home for Christmas, Oh I can’t wait to eat those Fox’s.

Using AI to Turn Your Cars into Christmas Biscuits

Three teams headed to Ankara, Turkey this month to compete in Bumper’s annual hackathon. 

Racing against the clock, members of our development, product, design, and sales teams were split into three groups. They were tasked with creating a new feature to add to Bumper’s existing product offering. 

Over the course of just two days, the teams had to take their features from an initial concept into a fully workable feature. Teams were judged in five key areas: quality of code, user experience, commerciality, presentation, and inspiration. 

Matt Williams, Bumper’s Chief Growth Officer, headed up the winning team. He said, ‘Our annual hackathon is an opportunity for members of different departments to come together and focus on one project. The result is something really quite incredible. 

‘Last year our winning team created the ability for service advisors to see their customers’ reviews directly on their Bumper dashboard, adding immense value for our partnered garages and dealerships.

‘This year we’ve gone a lot bigger, looking at ways to improve the experience of the end user. The final product we’ve created is going to have a massive impact on the way our customer base can interact with us and we’re all incredibly excited to get it out there.’ 

Following the team’s win in Ankara, the new feature will go through several rounds of meticulous user testing before its release.

Three Bumper Teams Battle It Out for Hackathon Crown

It’s with great pleasure that we announce the Dealership of the Month for October goes to John Clark Audi Aberdeen. 

The team won the award for their quick adoption of Bumper’s open banking payment option – PayByBank.

The new payment option allows customers to make one-off, account-to-account payments directly from their mobile devices. Requiring the use of authentication within the customer’s banking app, Open banking significantly reduces the risk of fraud for the dealer and avoids high processing fees often associated with cards issued by third parties. 

Open banking now sits alongside PayLater and PayNow, allowing Audi Aberdeen to offer a broad range of payment products no matter the customer’s needs.

Bumper’s Ricardo Fishbourne delivered the award to the winning site. He said, ‘A big congratulations to the team at John Clark Audi Aberdeen. The team have successfully integrated open banking into their everyday process, giving customers even greater payment flexibility than before.

‘Customers are looking for smarter, digital alternatives to card and the team here have really taken that on board, starting to work open banking into their everyday conversations with customers. They’ve proved themselves to have an incredible knowledge of our products, which is key when introducing a new payment option such as open banking.’

Mark Duncan, Sales Manager at Audi Aberdeen, said, ‘Open banking has really helped us receive payments from customers in a more efficient and cost-effective manner. We like how simple it is to use and our customers also appreciate its ease of use once we’ve explained it to them. Open banking is helping us reduce merchant costs on our transactions as traditional credit and debit cards carry a much higher processing cost compared to Open banking’.

Congratulations to Keith, Mark, Evelyne, Andrew, Jennifer, Juli, David and the whole team at John Clark Audi Aberdeen!

Dealership of the Month: John Clark Audi Aberdeen

The majority of energy consumed in Morocco is created by fossil fuels, with around 57% coming from oil, and 33% from coal. In 2021, solar energy in the country accounted for less than 2% of the overall energy mix. With such substantial solar and wind power potential, Morocco has been actively developing renewable energy sources to meet the growing demand.

The Ouarzazate solar power station is one such project looking to capitalise on the country’s solar power potential. One of the world’s largest concentrated solar projects, this huge facility uses concave mirrors to concentrate solar energy and generates 582 megawatts of electricity. 

The site can store up to 7 hours of solar energy for continuous power supply after sunset.

The chosen region for the project benefits from exceptionally high sunlight year-round, giving the power station a unique advantage for solar energy generation.

In addition to a new source of renewable energy, the project has had a big impact on local communities. 7,000 local job opportunities have been created as well as educational initiatives and skills training.

A mobile hospital to provide health services to the local community has been set up, and funding is given to the local medical centre, including an ultrasound machine.

Additionally, the project has helped the local community by providing a minibus, which has lowered the local school dropout rate. 

Through our partnership with Ecologi, Bumper contributes to lots of climate-positive projects throughout the world. To find out more about how Bumper gives back to our community head to our 

Ecologi Project: Renewable Energy Solutions in Morocco 

Each year, tens of thousands of people in the UK are involved in car accidents. But how likely is a car accident, and is one car safer than another? What steps can you take to ensure your safety on the road? 

Understanding these statistics is crucial for staying safe and shaping policies. Let's explore key car accident and road safety questions and statistics and how you can protect yourself.

1. What are the odds of being in a car accident in the UK? 

0.21% of the UK population were involved in a car accident

. There were 143,326 injuries caused by car accidents in the UK, according to the 2022 

There are plenty of different causes of car accidents. However, three are more common than others: 

3. Not looking properly is the leading cause of UK car accidents

 drivers failing to look correctly causes around 37.8% of UK accidents. This includes car drivers and motorcyclists. 

Of the 143,326 injuries, only 1,766 car accident casualties were fatal. This means the chance of dying in a car accident on your daily drive is extremely low, far 

5. Someone is killed or injured every 16 minutes on UK roads

, in the UK, a person is killed or seriously injured by a car crash every 16 minutes.

6. How many people die per day from car accidents in the UK?

 five people die per day due to car crashes. A further 82 are also seriously injured. 

7. What are the odds of dying in a car crash without a seatbelt? 

Soberingly, 21% of car accident deaths occur in cars where the driver or passenger isn’t wearing a seatbelt. Please, always wear your seatbelt. 

Fortunately, seat belt usage is increasing. Gov UK found that 

of all front and rear seat passengers wear seatbelts.

8. How does the UK car crash death rate measure up to other European countries?

The UK has the fourth lowest car crash death rate per million people compared to 32 other European countries 

Which country is the lowest? Norway has the lowest rate with 21 deaths per million people.

9. How many alcohol-related car crashes are there? 

Alcohol has and likely always will be one of the leading causes of car accidents. 

According to the official UK Government data, around 5% of all car accidents involve at least one driver or passenger over the legal alcohol limit. 

Although the number of fatal car accidents in Great Britain is low, of those, in 2020, 

between 200 and 240 people were killed, and at least one driver was over the legal alcohol limit

10. How are drink-drive crashes categorised?

 defines a drink-drive accident as an incident on a public road where one of these three criteria are met:

11. Are car accidents more likely in winter? 

Summer is known to be the most likely season for car accidents, but it’s not down to weather or poor driving conditions. Instead, it’s because far more people are out on the road. 

More people driving equals more crashes, which is the same reason why fatal car accidents went down by 

12. Does weather or temperature affect car crashes?

 can increase the likelihood of crashes in the UK. This is because more vulnerable drivers are on the roads in warmer weather and summer months, leading to a higher exposure to accidents. 

13. Does speeding increase the likelihood of a crash? 

Speeding is the number one cause of car accidents worldwide.

When you’re speeding, you decrease your reaction time as well as increase the stopping distance, so the likelihood of an accident sharply increases. Put simply, it’s a lot more difficult to avoid an obstacle if you are over the speed limit. 

Always obey speed limits, they are there for your and everyone else’s safety. 

14. How many hit-and-runs happen in the UK?

A hit-and-run is an incident when the vehicle doesn’t stop after a car crash. 

 since 2011. The boroughs with the highest rates include Merton and Wandsworth. 

Overall, drivers fail to stop in one out of every five crashes. 

15. Who is statistically more likely to be in a car crash? 

Statistics show that there are different factors at play when it comes to who is most likely to be involved in a car accident. Here’s a quick breakdown of the main ones: 

16. What age group is most likely to be involved in a crash in the UK? 

Young male drivers under 25 are four times more likely to be involved in a car accident than drivers aged 25 or over. 

Worryingly, young car drivers account for a quarter of drivers killed in reported drink-driving accidents despite only representing 

17. Are men or women more likely to crash? 

Men are more likely to experience a casualty from driving, with 62% of all car-related injuries being male. Sadly, 78% of all car fatalities are male, according to the 

18. Which make of car has the most accidents? 

Did you know that the Toyota Prius is the 

, with 1,207 crashes for every 100,000 Toyota Priuses on the road?

If you’re looking for a safe vehicle, then you might want to consider an Audi. Audis account for the least number of accidents in the UK per 10,000 cars, according to the 

20. Which is more dangerous - motorbikes or cars? 

 to be killed in an accident than a car driver. Motorbikes are inherently more dangerous than cars on the road. So, if you’re thinking about driving a bike, think twice. 

21. What’s the most dangerous car colour? 

Research from carVertical showed that brown cars were the likeliest to have been in an accident, with 51% of vehicles on their platform having been involved in one. Oddly, yellow was the second riskiest colour, with 50.6%, and red came in third with 49.8%. 

 are white and grey, with only 44% of collisions involving these colours. 

 found that car crashes affected four main groups: pedestrians, car occupants, pedal cyclists, and motorcyclists. Here's how the data breaks down

Motorcycle accidents have decreased 40% from 2004 to 2022, and serious injuries have decreased by 30%. 

However, from 2018 to 2022, an average of 

104 motorcyclists were seriously injured, and six died per week

. Nearly half of the fatalities were in 2 vehicle collisions between the motorbike and a car. 

The most common reason for motorcycle accidents in the UK is the driver or rider failing to look properly. So, when driving, always look once, look twice, and think bike. 

Curious about car accidents outside the UK? Here are some 

 from the World Health Organization’s Road Traffic Injuries fact sheet.

24. How Many Car Crashes Are There A Year?

1.19 million people worldwide are killed by car accidents, and a further 20 to 50 million are affected by non-fatal injuries and disabilities). 

25. 92% of car crashes happen in low- and middle-income countries 

Middle- and low-income countries see the majority of car accidents, even though they only have around 60% of the world’s vehicles. 

26. Car crashes cost countries 3% of their GDP 

Yes, you read that right. Car crashes and accidents cause so much damage that they cost each country approximately 3% of its gross domestic product (GDP). 

27. Crash injuries are the leading cause of death for children and young adults 

Across the world, car crashes are the main cause of death for children and young adults between the years of 5 to 29. 

28. The United Nations General Assembly has set a target to half crash injuries by 2030 

In June 2022, the General Assembly set a target to reduce road traffic deaths and injuries by at least 

29. Are ride-sharing apps more likely to cause accidents? 

With the rise of ride-sharing apps (e.g. Uber and Bolt), more of us are using taxis than ever before. But has this increase in usage caused more accidents? 

No! A Study from the University of Oxford found that 

Uber is connected with a 9% decline in UK

Regardless of your age or what car you happen to be driving, the number one factor that influences the likelihood of an accident is your own behaviour behind the wheel. 

Following the UK car crash statistics, let’s look at how you can protect yourself on the road. 

UK Car Accident Statistics - Final Thoughts 

After reading all these car accident statistics, we hope you feel assured that the chances of a serious car accident are extremely low. However, if you find yourself in a car accident and need car repairs, you might want to consider 

, you can spread the cost of any repairs at no extra cost. Apply for a credit limit and find a reliable service partner today. 

Vital Car Accident Statistics All Drivers Should Know

Estadísticas clave sobre los accidentes de tráfico en España

Wichtige Unfallstatistiken, die jeder Fahrer kennen sollte

We’ve always been told the end is nigh. But how will it happen? Cataclysmic asteroid? A wandering black hole? Killer robots sent from the future to destroy the Earth?

Obviously not! It’ll be a zombie apocalypse of course.

But what will our streets, towns and cars look like when the time finally comes? Using AI, we’ve been able to answer just that. Here’s the world you’ll be left with when the flesh-eaters finally take over.

As the virus sweeps across the country, many will flee towns and cities leaving them completely abandoned.

It may seem like a good idea to flee via motorways but with traffic beginning to get worse in the panic, many vehicles will be ditched as the horde approaches.

That’s if you can even get your car out. Why would they park like that in the first place? Flippin’ heck.

As you can see here, UK town centres will become dark and depressing places. Much like they were before the apocalypse.

Houses will be left empty, with fleeing families having hardly any time to gather their worldly possessions.

London will be filled with mindless zombies roaming the streets; scarcely interacting with each other. A lot like your morning commute is today.

As public transport completely shuts down and the streets become quiet you begin to ask yourself, what’s the point in survival if you’re not truly living? Still, at least it means no more tram journeys in the armpit of a stranger.

Many will take to the countryside in search of safety. 

Diesel and petrol will become a scarce commodity. Plus, pay at the pump will probably be down so you’ll need to go in and actually interact with the staff at the garage. Creepy stuff. 

Your new life is a far cry from your old one. Constantly on the run; driving from town to town to escape the undead. You pray daily your car will make it as far as the next stop necessary for survival. Maybe they were right. Maybe you did need that extended warranty after all. 

Alastair Shephard

Content Writer