Bumper, the digital payments platform, has announced a new strategic partnership with Renault Group UK.

The agreement sees Bumper’s PayLater solution being made available to dealers across the Renault, Dacia and Alpine brands.

Nearly half of Renault Group’s 190 retailers are already live with Bumper’s buy now, pay later (BNPL) service, with more in the process of being onboarded.

Commenting on the new contract, Alex Platt, Bumper’s Senior OEM and Commercial Partnership Manager, said: “Renault Group becoming our latest OEM partner marks a significant milestone for Bumper as we pursue our ambition to revolutionise the automotive payments experience.

“With our deep integrations across DMS and eVHC platforms, we’re already enabling Renault Group retailers to sell more work, more profitably and deliver even more positive customer outcomes.”

Stephen Whitcombe, Head of Aftersales at Renault Group UK said: “This new partnership with Bumper is part of our ongoing commitment to deliver greater value, flexibility and transparency to our customers. By rolling out Bumper’s PayLater solution across our retailers, our customers can manage repair bills more easily through spreading the costs, helping them to stay on the road.

“Working with innovative partners like Bumper enables our retailers to operate more efficiently and improve customer satisfaction. We're confident this evolving partnership will drive long-term benefits for both our retail partners and their customers.”

The partnership comes as Bumper celebrates a number of recent milestones in its rapid growth both in the UK and internationally. The company recently announced an $11m extension to its Series B funding, and has also expanded its solutions with the launch of Bumper Pro – an integrated payment platform that delivers cost-savings and performance insights.

Bumper partners with Renault Group UK to power aftersales payments across their retail network

We're thrilled to announce the winners of our recent competition.

Service advisors at our partner contact centres have been busy discussing Bumper's interest-free PayLater option with their customers.

To celebrate their hard work, our team made some visits with a truckload of prizes to give away.

Giving drivers flexible payment options during their first enquiry boosts customer satisfaction and alleviates stress during their visit.

Congratulations to all our winners and thank you for using Bumper with your customers!

Revealed: Winners of our most recent competition

Richmond Bognor Regis has been crowned Bumper’s next Dealership of the Month. 

Operating in Hampshire, West Sussex and Surrey, Richmond Motor Group works with 6 different franchises across 7 locations. 

Since early 2023, the group has used Bumper’s PayLater products to split the cost of drivers’ repair bills into interest-free monthly payments. 

In that time, the Bognor Regis site has embedded PayLater into their everyday aftersales process, using the interest-free option to enhance the customer experience with increased payment flexibility. 

Ian Squibb, Aftersales Manager, said, “Thank you to Bumper for this award. Our team has seen firsthand the benefits of having Bumper available for our customers. 

“As a newer team, we’re focused on always doing the best for our customers, and Bumper plays a key role in that. 

“By offering flexible payment options, we’re able to enhance customer satisfaction and retention while also increasing authorised work through giving customers more choice.” 

Customers praised PayLater at Richmond Bognor Regis on Trustpilot, where the site received a near-perfect score of 4.8 out of 5 stars. 

One customer wrote, “Super efficient and easy to set up, really clear confirmation of payment plan as well.” 

Congratulations to Reece, Artur, Nick, Ian, and the whole team at Richmond Bognor Regis on your win! 

Enhancing customer satisfaction with Richmond Bognor Regis 

No, Bumper does not do a “hard” credit check when you apply. 

When applying for Bumper’s Buy Now Pay Later service for car maintenance, Bumper performs a “soft” credit check, which does not affect your credit score. 

However, this is just the initial search. If you accept your Bumper plan and start making repayments, these will be reported to the credit reference agency. 

If you make payments on time, this could positively affect your credit score. 

Read on to find out more about how credit checks with Bumper work: 

Yes, Bumper does a “soft” credit check when you apply for their interest-free finance product. A “hard” credit check isn’t performed. 

Soft credit checks show on your credit report but aren’t visible to other lenders. Only you can see them. 

Because other lenders can’t see them, they won’t affect other credit applications, such as a mortgage or finance to purchase a car. 

When you start making repayments towards a Bumper payment plan, repayments will be reported to the credit reference agency: 

Bumper performs a soft credit check. This is only visible on your credit report to you. 

Payments made on time or missed payments would be reported to the credit reference agency. 

How strict are Bumper’s credit checks? 

If you have a good credit history and have been regularly making repayments to other lenders on time, it is most likely that you’ll be approved. 

If you don’t have a very good credit history and you regularly miss repayments or have a history of defaults, you may not be accepted. 

However, applications are reviewed on an individual basis, and we cannot guarantee you’ll be approved. 

Why does Bumper perform a soft credit check? 

The “soft” search Bumper performs gives us a an overview of key aspects of your credit history, allowing us to make an assessment of your creditworthiness. 

As a responsible lender, we must do all we can to make sure we don’t approve anybody for credit that they might not be able to repay or could push them into financial difficulty. A soft search lets us do this. 

Does a credit check from Bumper show to other lenders? 

The soft credit check Bumper carries out when you apply doesn’t show to other lenders. 

However, if you start your plan and accept your agreement, on-time and missed payments will be reported to the credit reference agency. 

Does a credit check from Bumper show immediately? 

Bumper reports the soft credit check to the credit reference agency straight away. 

It is important to remember that a soft search only appears to you. It doesn’t show to other lenders. 

Does using Bumper improve your credit score? 

Yes, using Bumper could improve your credit score. 

Regularly making payments on time is a good way to show lenders you’re likely to meet their repayment schedule and can positively impact your credit score. 

However, missed or default payments could affect your credit score in a negative way. If you think you’re unable to make your repayments, the best thing to do is speak to Bumper straight away. 

Final thoughts – does Bumper do a hard credit check? 

Hopefully, this guide has given you all the information you need about how credit checks for Bumper’s 

No, Bumper does not perform a hard credit check. It performs a soft credit check, which only you can see. 

If you accept your credit agreement, the payments you make or miss will be reported back to the credit reference agency. 

Does Bumper do a hard credit check? 

We’re excited to announce the next Dealership of the Month as Riverside Volvo Hull. 

The Volvo site has been part of the Bumper network since 2021, using PayLater to split the cost of their customers’ bills into interest-free monthly payments. 

Now, the site is one of the latest to roll-out Bumper Pro, a complete payment solution combining every payment method – PayLater, Pay by Card, Pay by Bank and PayPad. 

Pro enables dealers to simplify payment management and reduce processing fees. 

Connecting seamlessly to Pinewood.AI, Bumper Pro has allowed Riverside Motor Group to automatically reconcile payments, saving their teams needless time spent manually matching payments. 

Intelligent payment routing has unlocked significant transaction fee savings for the group, with drivers automatically directed to a preferred payment method depending on their transaction size. 

Additionally, with multiple providers and payment types at their fingertips, Bumper Pro has equipped Riverside Volvo Hull with the necessary tools to almost eliminate the possibility of payment downtime. 

Group Operations Director, Andy Jackson, at Riverside Motor Group, said: “Bumper Pro has had a major impact on our operational efficiency. Automatically reconciled payments within Pinewood saves our team heaps of time, completely eliminating what was a previously laborious process. 

“Pro has also had a positive impact on our customers. With every payment option connected seamlessly through our Bumper account, DMS and the Bumper PayPads, our drivers are given the ultimate flexible payment experience consumers have to expect.” 

Riverside Volvo Hull: Transforming payment management with Bumper Pro 

Group 1 is one of the leading automotive retailer groups in the country, with a portfolio of 115 dealers across the UK. Employing over 7,000 trusted colleagues, the group represent over 21 brands, including Audi, BMW, Jaguar Land Rover, Mercedes-Benz and many more. 

The network boasts an impressive aftersales care programme, ensuring customers driving away with their new vehicles have access to expert repairs and servicing. 

Unlike urgent red work, many drivers don’t feel an immediate need to have advisory work, such as worn brake pads, ageing batteries, or minor fluid leaks, completed. 

Many perceive it as discretionary spending that doesn’t require immediate attention, especially if cash is tight. 

Trust can also be a factor, with some doubting if the work even needs to be done or even wanting a second opinion. 

Even when convinced of its importance, price can be a blocker, especially if they’re facing large bills for multiple repairs. 

When Group 1 Mercedes-Benz Coventry came to Bumper, amber sales were the biggest hurdle to achieving their ambitious targets. 

PayLater, an interest-free monthly payment solution provided by Bumper, drastically reduces friction for amber sales. 

Drivers can spread the cost of work across a number of months, allowing them to take out work that’s important there and then, without having to wait until a second visit to the dealer. 

In addition, this financial safety net gives advisors more confidence when introducing advisory work into the conversion. 

When comparing year-on-year growth for February 25, the Coventry site increased the number of completed PayLaters by 56% and, despite fewer retail jobs, they saw impressive increases in their key metrics. 

As well as improvements to key performance indicators, the site received positive customer feedback through Bumper’s Trustpilot integration, which can be accessed on all service advisor accounts for real-time customer feedback. 

One driver said, “The process for applying is easy and straightforward. I’ve used it for my 3

Another said, “Quick, easy, and helped me not murder my bank account just before I went on holiday.” 

Following the site’s successful implementation of PayLater, Stuart Johnson, Site Aftersales Director of Mercedes-Benz Coventry, said:

“Amber conversion has always been a tough metric to move, but Bumper has enabled us to give customers the payment flexibility that gets them saying yes to important advisory work.

“This has resulted in a 27% increase in our average invoice value, happier customers, and, with an easy budgeting option in their toolbelt, more confident advisors.

“To anyone looking for a solution that allows you to sell more and keep your customers coming back time and time again, I’d say give Bumper a call.” 

Group 1 Mercedes-Benz Coventry: Moving the Needle on Tough Amber Sales 

 Renewing your car insurance is a chore. However, taking your time and getting it right could save you a significant amount of money. 

The best time to renew your insurance is 28 days before it runs out. 

Many drivers simply renew at the last minute without considering timing. But this can lead to you potentially missing out on cheaper premiums. 

In this article, we’ll explore the best time to renew your car insurance, how timing affects your car insurance quotes, and other practical ways to reduce your renewal costs.

When is the cheapest time to renew car insurance?

Research shows that your renewal date can have a real impact on how much you pay. The best time to renew your car insurance is usually around 

Waiting until the last minute may not always be the most cost-effective strategy, as the data shows the costs are most expensive on the day before. 

In fact, renewing a few weeks before your policy expires can often secure lower rates.

The table below shows the average premiums at different times leading up to a policy renewal, according to 

Does time of day affect car insurance quotes?

If the day you renew makes a price difference, you might wonder if getting a quote at 9 am versus 9 pm affects the price. 

Generally, insurers base quotes on factors like your driving history, car type, and location, rather than the exact hour you request the quote. 

While some anecdotal reports suggest prices can fluctuate slightly at different times of day, the differences are usually negligible. What matters more is how far in advance of your renewal date you start shopping around (in terms of days, not hours).

How to bring car insurance renewal costs down

Aside from timing, there are several other ways to reduce your renewal premium. If you have time, use these to get a better quote on your policy.

You can also bring your car-related fees down by using 

 to split surprise repair costs into interest-free instalments.

Don’t just accept the first quote you receive. Use comparison tools and websites to find the best price for your needs. 

But always read the fine print of what’s on offer before you make a final choice!

Evaluate whether you need comprehensive cover or if simple third-party, fire, and theft might suffice. 

Look at the value of your car and how much protection you realistically need when making this choice.

Opting for a higher voluntary excess can lower your premium, though make sure you can afford to pay it in the event of a claim. If you’re unsure, it’s best not to commit to a higher excess.

Sometimes, insurers give out loyalty discounts and multi-car policies. There are even safe driver incentives that can reduce renewal costs. 

So, while you’re renewing, it’s also a good time to review your driving habits. Could you drive more safely? 

What is the 21-day rule for car insurance?

The so-called “21-day rule” refers to the guideline that insurers often allow you to renew your policy up to 21 days before your current cover ends without losing benefits such as no-claims bonuses. 

Starting your renewal process within this window ensures continuous cover while giving you some time to compare quotes and lock in a better deal.

While the 21-day rule is useful to keep in mind, the research above shows that the most cost-effective time to renew is actually around 28 days before your policy expires. Consider renewing slightly earlier than the 21-day window to secure the lowest premiums while still ensuring uninterrupted coverage.

Which comparison site is best for car insurance in the UK?

Renewing your insurance well in advance is essential, but comparison sites are an invaluable tool when comparing different car insurance deals.

In the UK, popular platforms such as MoneySuperMarket, Compare the Market, and GoCompare allow you to compare hundreds of policies from different providers quickly. 

Each site has its strengths: some offer unique discounts or cashback deals, while others provide more detailed filters to narrow down coverage options. In our opinion, it's worth checking at least two or three comparison sites to ensure you’re seeing a comprehensive range of quotes. 

Remember, not all insurers appear on every site, so relying on just one platform could mean missing out on better deals elsewhere.

Ultimately, if you want an affordable car insurance deal, you need to carefully balance timing, comparison, and careful evaluation. It’s a good rule of thumb to renew around 28 days before your policy ends, so don’t put this task off until it’s the very last second!

Expensive car insurance deals are a bummer—just like surprise repair costs.

you can split the cost of repairs into monthly payments at no extra cost. 

Apply online for up to £5,000 and choose from 1,000s of trusted repairers.

When Is the Best Time To Renew Car Insurance?

Bumper, the automotive payments platform, has announced three new senior hires to support its ambitious expansion plans. 

Fintech heavyweight Adrian Fradd has joined as Bumper’s Chief Strategy Officer, following 10 years at PayPal. He brings a wealth of experience in payments platforms and partnerships, building new global products for merchants and consumers, and growing omni-channel payment solutions at scale. 

At Bumper, Fradd will lead strategic projects, oversee Bumper’s Product team, and help the company develop its offering as a comprehensive payments platform. 

Joining Fradd on Bumper’s executive team, Kerry Turnbull has been appointed Chief Financial Officer. A former Deutsche Bank director and most recently Senior Vice President at Einride AB, Turnbull brings 16 years of investment banking and corporate finance experience to accelerate Bumper’s next stage of growth. 

At Einride, Turnbull led multiple successful capital raises, including the world’s first heavy-duty electric vehicle securitisation, and closed a Series C equity round. Turnbull’s background spans private and public markets across a diverse global investor base, while her Deutsche Bank pedigree adds strong European market expertise. She has a proven record in designing innovative financing structures, building resilient balance sheets and driving long-term value creation. 

As CFO, Turnbull will lead Bumper’s capital strategy, fundraising, operational finance, and investor relations, strengthening the company’s access to funding and supporting disciplined growth. 

Bumper is also expanding its Growth team with the addition of Annabelle Clarke as PR Manager, formerly Vice President for Media Relations at global communications firm Weber Shandwick. Annabelle brings a decade of consultancy experience in strategic corporate and consumer communications, with specialist expertise in technology and fast-growth businesses. Her former clients include Samsung, HP, eBay, Purplebricks, IKEA, Nespresso, Budweiser, Philips and Experian. 

Clarke will oversee Bumper’s media presence and positioning in the UK and Europe as the brand continues to evolve its payment offerings and expand internationally. 

James Jackson, CEO at Bumper, commented: “We are delighted to welcome Adrian, Kerry and Annabelle to the team, bringing with them rich collective experience across payments, technology, automotive and fast-growth companies. Our new colleagues join at an exciting time for Bumper, as we set our sights on rapid expansion plans both in the UK and internationally. These appointments will be instrumental in supporting Bumper’s growth in this next phase of our journey.” 

Bumper has marked a number of growth milestones in recent weeks. Last month, the company announced $11m in Series B extension investment and celebrated its 10

 anniversary with a refreshed brand identity. It also recently launched Bumper Pro, a full suite of payment tools for dealerships and OEMs. 

Alastair Shephard

Content Writer