How much should you expect to spend every year on keeping your car in smooth running order? A 2020 study by Kwik Fit found that the average UK driver spends around £1,300 every year on 

 That includes petrol, trips to the car wash, but crucially — repairs and breakdown recovery.

Ranked by cost, you won't be surprised that petrol is the biggest line item in the budget. But maintenance and repairs come in a close second.

Those figures don’t tell the whole story. Unexpected repairs and breakdowns 

. Numbers from WarrantyWise suggest the average bill for an unexpected repair is north of £600, and the more expensive the car brand, the higher the cost. 

shock car repair bill, it's worth looking at what you can do to keep your car in top condition and avoid unpleasant surprises (and you could even consider applying for 

Close to 10 per cent of drivers try and save on car maintenance by putting off 

 or delaying routine servicing. Experts agree that waiting until repairs are absolutely necessary is a ‘false economy’ that often costs drivers more in the long run. 

To avoid unexpected repairs and breakdowns, the best way to ensure your car is operating efficiently is to regularly maintain it. If you don’t, you run the risk of 

 if problems go undetected and lead to major repairs. 

But there are effective ways to keep visits to the mechanics to a minimum. Here are five proper ways to trim the cost of auto maintenance and repairs. 

Getting more life out of your car’s moving parts is often as simple as taking it easy behind the wheel. 

and tyres will all last you longer if learn to relax a bit and be sensible when you’re on the move. 

Follow these simple techniques and your car will repay you with fewer trips to the mechanic: 

Pay attention to what’s happening further up the road and brake gradually as the situation demands. Gradual versus ‘sudden’ braking will keep your discs and brake pads from wearing out before their normal lifespan expires. If you hammer the brakes on a regular basis it creates more friction and brakes down their component materials faster. 

Don’t keep your foot pressed down on the clutch pedal after you switch gears. Doing that means the clutch isn’t fully re-engaged, which could cause the plates to slip on the gearbox shaft. Over time that will cause significant and expensive damage to your transmission. 

Steer clear of speed bumps and potholes: 

Your vehicles undercarriage, exhaust, and tyres can all be damaged by flying over potholes and speed bumps. The end result can be a painfully expensive repair bill — all of which could be avoided by taking it slow over speed bumps avoiding potholes entirely 

2. Don’t put off scheduled service visits 

At risk of repeating ourselves, most car makers suggest that you bring your car in for a full end-to-end service every 12 months or every 12,000 miles, whichever comes first. 

While the fear of an unexpected repair bill can make people fearful about taking their car in for a checkup, in the end it can lead to a bigger repair bill when you’re hit with a failed MOT inspection down the road. In fact, the Royal Automobile Club found that close to 60 per cent of drivers who hadn't been in for regular service paid between £500 and £1,000 in order to pass the MOT. 

Keeping your car and undercarriage free from dirt and dust can help keep grit out of moving parts and stop slow-but-steady damage to the vehicle's exterior. Kwik Fit’s study of repair costs also found that UK drivers spend an average of £60 every year taking their car in to the car wash. While that might not seem like a lot of money, over the course of a car’s normal lifespan (circa eight years) you could cut close to £800 from your maintenance costs by cleaning the car at home. 

Electric vehicles are increasing in popularity and repair costs are part of the attraction. Along with being more sustainable, e-cars are rightly hailed for being cheaper to maintain. Their motors contain fewer moving parts. And perhaps most importantly, charging an electric vehicle is significantly cheaper than filling a tank with diesel or petrol. 

The latest industry research shows that electric cars are about 25 per cent 

with a traditional petrol-fired internal combustion engine. On average, that equates to savings of about £300 annually. 

If you’re willing to sit through a few YouTube videos and learn how to handle basic car maintenance, you can save a lot of money every year by avoiding leaving your car in a service bay for a mechanic to do the work instead. 

When you take your car in to a garage, you’re paying for both parts and labour. In many cases, a bit of shopping around will locate the same parts for less than what the mechanic is going to charge you for them. Learning how to do things like change spark plugs and do oil changes can save you hundreds of pounds every year. 

has been writing about cars for over seven years and writing for Bumper for over two, blending his passion for automobiles with a talent for storytelling.

Joseph has written about engineering and cars for Autozilla, Komaspec, and several engineering manufacturers. When he's not writing or tinkering with one of his five cars, Joseph dreams of owning an Alfa Romeo 33 Stradale.

How high are auto maintenance and repair costs in the UK? 

Unfortunately, we don’t get to choose when our car is going to break, and in many cases, it seems to happen at the worst time. 

With daily life becoming more and more expensive, large unforeseen bills can have a major impact on our finances. But that’s where car repair loans come in. 

Loans for car repairs can take the pressure off an expensive bill and help you manage your finances without stress. Keep reading to learn more about auto repair loans, how they work, and what you need to know before signing up for one. 

A car repair loan is a specific form of lending that helps pay for car maintenance or repair bills. These loans split the costs into multiple payments over a series of months, allowing you to minimise the impacts of a big surprise cost. 

Usually, the amount is paid directly to the garage doing the work, and the car owner repays the loan company in monthly payments until it is complete. 

Banks and credit unions typically charge interest on money lent, but car repair loan companies like 

Bumper makes money by charging the garage a small service charge instead. But don’t worry. This cost will never be passed on to you through inflated rates. We’re here to make the experience easier, not more stressful.

What fees are there for securing a car repair loan?

As the borrower, none! There shouldn’t be any fees to the customer to secure a car repair loan. 

, we charge the garage a small service charge, and that’s it. Assuming you make all the 

 as agreed prior to arranging credit, there are no fees to be paid with our car repair finance. 

, it couldn't be easier. Our website will guide you through the steps one by one. To get started, visit our 

The process for car repair finance is simple: 

What information do I need to apply for a car repair loan?

If you need a loan to get your car fixed, you’ll need a few personal details. 

, you will be asked to provide information about your car and location. From there, we’ll present a suitable selection of local garages. 

We also do a ‘soft credit check’ in order to guarantee eligibility for a car repair loan, and this will require information such as your full name, address, date of birth, and any current credit lines you have. 

Do I have to provide security for a car repair loan? 

No, unlike many bank loans, you don’t need to provide collateral for a car repair loan. 

This means you don’t need to own your own home or car outright to get approved for a car repair loan, making the process much easier. 

An option lots of people use for large purchases is a credit card. This allows you to cover the cost of large bills without needing to pay upfront, but they do have their downsides.

credit card companies offer zero interest rates

 on a fixed term, say 18 months, these are usually offers rather than permanent schemes, meaning it's very important to check and double-check what interest you'll have to pay. 

After the first month, many credit card lenders charge in the region of 20% APR, with this compounding if payments are missed. If your credit score isn't perfect, this rate can skyrocket to 40 or 60%. 

 allows guaranteed 0%-interest repayments over a timescale that is established before the money is lent, meaning you won't get any surprises when your statement arrives next month. 

 service is the speed of approval. In many cases, car repair loans can be taken out in as little as one day, enabling your garage of choice to get to work straight away. 

If you have a poor credit score or need a large bill covering, it may take an extra day or two. This is likely to be faster still than taking out a new credit card or applying for a bank loan. 

As well as Bumper or using a credit card, there are a few other ways to spread the cost of car repairs, each with its own downsides and benefits. 

Paypal has offered a buy now pay later option for a while, for some customers can give 4 months zero interest loans. 

Whilst its platform is widely used online and in e-commerce purchases, in our experience, there aren’t many garages that will accept a PayPal scheme. 

Another downside is that PayPal’s standard credit limit is £1200, which is often not enough for more serious repairs. 

Klarna is a payment tool that is popular in retail stores and is available in a few garages, but this is limited by the very same points mentioned above, including a restrictive payment plan and limited availability. 

A few garage chains in the UK offer a buy now, pay later service within their group, which allows customers to spread the cost. 

Whilst these can be a great help, we’ve found not all branches offer the service, and as such, you need to be sure your local garage offers the service and can accommodate your vehicle in your preferred time period. 

They also tend to be less flexible, requiring a fixed rate for deposits, repayment times, and amounts. This can be difficult to manage if your car repair bill is significant. 

Will a car repair loan impact my credit score? 

When applying for a car repair loan, we will do a soft credit check, which will not affect your credit score. Once your loan is approved, paying back the loan in time with the schedule agreed will actually improve your credit score. 

how car finance affects your credit score 

Can you get a repair loan with bad credit?

All loan providers will check your credit score to determine if you qualify for particular products. 

s car repair loans can be a good option for those with low credit scores. However, approval will depend on the individual's circumstances. 

Car and auto repair loans can take the strain off a stressful situation. So, if you need urgent car repairs, make sure you consider loans before deciding on your final payment option. 

If you’re worried about car repairs and think you might need a car repair loan, let 

 take care of it. Split the cost of car repairs into easy monthly repayments, completely interest-free. Choose from 1000s of trusted garages and dealerships. 

Car Repair Loans: Everything You Need To Know

When it comes to considering a car’s lifespan, mileage is a vital metric to consider. But as straightforward as it sounds, mileage is more than just accumulated driving distance over time. There are a number of variables that can make mileage more or less of an issue. 

High mileage can also mean more unexpected maintenance and repairs. That makes mileage a key question when you’re buying a used car. In reality, you should be asking how much time you will likely have with a car that’s seen its fair share of motorways, maintenance, and repairs. 

You might have heard that a car with 200,000 miles on it is probably headed for the junkyard. That's often true. 

But what about cars that have racked up less? When does a car’s overall mileage put it into ‘high mileage’ territory, and should a big number on the odometer stop you from purchasing a used car? 

In this article we’ll look what is high mileage for a car, along with the other factors that will influence its value and likely longevity. 

Generally, high mileage on a car is anything beyond 1000 miles a month or 12,000 miles per year. Mechanics usually agree on the figure as ‘average’ car use. More than that is considered high mileage, so a three-year-old car with 40,000 miles, for example, would be in the high mileage range. 

Still, mechanics typically use the phrase 'high mileage' when a car has 100,000 miles or more on the odometer. That sort of mileage can put a lot of owners off and many cars don't come with warranty cover for more than 100,000 miles. 

But the truth is, a car’s mileage often doesn’t actually give you much practical insight into its condition. In fact, a car that’s been used regularly is often in better shape than a car that’s been used off and on, or left to sit unused for long periods. 

So, mileage is only part of the story. What you really need to know is 

. A lot can depend on the make and model, the owner’s level of care, and other factors. 

In many cases, the owner’s level of care for the car is the single most important factor in determining how the machine holds up over the years. A car that’s been well-cared-for may be good to make it to 200,000 miles or more. 

Preferably, someone selling a used car should be able to provide you with at least basic information on how it’s been maintained and information on how it was driven. Was it used for daily commuting, for business purposes, mainly for leisure trips at weekends? 

In addition to those questions, other things to look for include: 

Of course, if a car has had a number of owners, that info may be sketchy or unavailable, which takes us to the next tip. 

There's single rule for deciding if a car has too many miles, but looking at its history can give you an idea of its likely lifespan going forward. 

If you were presented with two identical cars, one with 50,000 miles on it and another with 70,000, the normal reaction would be to select option one. It has the lowest mileage so it's had less wear and tear, right? 

Maybe. What if the 50,000-mile car was previously part of an urban car-club scheme, while the 70,000-mile car was privately owned by someone who commuted from a market town to a trading estate via motorways and A-roads. Would that change your mind? 

The car-club car has probably been driven extensively in town. That puts a lot of wear and tear on a car’s clutch and brakes. When mileage is accumulated over short journeys, the engine is often cold — so oil’s ability to protect internal components is at its lowest point. A car club car also won't be treated with the same care by the people who drive it. 

A single owner is much more likely to treat their car with care and use it for longer trips on the motorway. On the motorway, you leave the clutch or the brakes mostly untouched and the engine operates at a relatively low set of revolutions, so internal components are better protected. 

You're also a lot less likely to pick up the scrapes and bumps that are a reality of city driving. Longer journeys also give a car more time to reach its optimal temperature, so your engine oil is better able to do its thing. 

A car with a small number of owners is generally a good sign. The more hands a car has passed through, the greater the chance of an unreported crash, deferred maintenance or other undesirable events. 

For this reason, single-owner cars are the holy grail every used car buyer looks for. It makes it much easier to find information about the car’s service history or know if it's been involved in a collision. 

However, here’s where you have to take the big picture into account again. What 

 of miles did the owner put on the car? Were they an aggressive driver who drove with their brakes, or more of relaxed driver who could take the daily stresses of British roads in stride? 

If you’re contemplating a used car purchase, don’t be put off by the speedometer reading alone. Do your homework and you could bag a bargain with miles of road life left to offer. 

 has been writing about cars for over seven years and writing for Bumper for over two, blending his passion for automobiles with a talent for storytelling.

What is high mileage for a car? 

Welche Laufleistung ist bei einem Auto hoch?

Keeping your car in tip-top condition is one of the best ways to stave off mechanical failures and unexpected repairs. It might sound like common sense, but many drivers fail to do the most simple — and relatively inexpensive — things that can keep cars running smoothly. 

. But put those things off for too long, and you’re inviting trouble. 

What simple steps can you take to maintain your car and keep it out of the mechanic’s service bay? Here, we’ve gathered the best tips to help you learn how to prevent car problems. Let’s get started. 

How to prevent car problems — 7 tips drivers must know

From driving sensibly to keeping your car clean, we’ve asked the experts and compiled the top 7 tips you need to know to prevent car problems. Get your notepad out and jot these down to keep your car healthy. 

This one should go without saying, but if you want to keep your car in tip-top condition, not ragging it and treating it like a rally or a race car should be your priority. 

You don’t have to drive like your nan, but sympathetically driving your car should keep your hard-earned cash in your wallet and not in the till of the local mechanic. 

Driving your car with a little more caution will help reduce wear and tear and allow you to get more miles out of each tank. 

Not only that, but driving sensibly, changing gears smoothly, treating the steering wheel, the 

, and even the pedals with some care and attention will pay dividends in the long run. 

Also, driving sensibly means you’re looking ahead and watching for hazards, reducing your need to slam on the 

 every 5 seconds - the more aggressive you are, the more likely you are to burn through fuel and require costly repairs. 

Plus, if you’ve removed an extended warranty cover, it’s unlikely to cover you for wear and tear. So, if you want to keep your money in your pocket, treat your car carefully. 

Yes, the underneath of a modern car’s bonnet can appear to be as complex as the USS Enterprise, but checking the spark plugs on your car still remains an easy fix, even for a non-petrol head. 

Always consult your user manual before you do it, just in case, and if you aren’t sure, raise it as a concern at your 

, you’re checking to make sure they don’t show signs of wear and tear. If they do, this could be an indication that they need replacing. Also, they can be representative of the state of your engine. 

So if the spark plugs are shot, and you don’t think you’ve put the car through its paces to warrant their wear, take the car to a garage to get it checked over. 

Just like us, cars need fluids to stay healthy. Replenishing your 

 can save its life. Get into the habit of checking the oil fortnightly. This is easy and includes:

While you’re checking the oil level, also check the coolant levels. If this needs topping up, fill it up with half and half distilled water to antifreeze. 

And don’t forget to check the screen wash too. Being able to see out of your windscreen is essential to staying safe. 

Not only is it a legal requirement to ensure the 

 on your tyres is at a suitable depth - the legal minimum in the UK is 1.6mm, but you should consider changing your tyres when they are between 2mm and 3mm; it could also save your life. 

The tyres grip the car to the road, and if they aren’t in tip-top condition, they aren’t gripping tightly. 

, meaning you’ll hose through fuel quicker than you usually would, so keep them topped up according to your user manual guide. And don’t forget that the pressure can be different for the back and the front tyres. 

If you need to change a tyre, align the wheels professionally to help reduce the wear on your new tyres, as this will help improve your steering and how the car handles. 

If you never clean your car, maybe this might persuade you to get out the soap and sponge.

You could significantly extend the life of your car simply by 

. That's right. Number 5 on the list of how to prevent car problems is to keep your vehicle clean. 

It's no joke. Dirt, grit and muck can get into the moving parts, accelerating wear and tear and causing corrosion. By giving your car a quick clean once a month, especially during the winter months, will remove the road salt, which can be incredibly corrosive. 

You can clean your car yourself, or for a small fee, you can take it to a car wash. Either way, keeping on top of this easy win could help keep your car healthy.

Lights are a crucial safety factor. From the headlights and brake lights to turn signals, you need your bulbs to always work. This keeps you safe and decreases the likelihood of crashes and expensive car damage — preventing car problems also includes keeping yourself and others safe on the road! 

Plus, keeping your lights in good condition will help you avoid on-the-spot fines for obscured lights. So, test your lights at least once a month to be sure. 

We know filters aren’t the most exciting aspect of your car. But oil and 

 become clogged over time, so you must stay on top of changing them. 

While your filters will likely be changed during your car service, you can do them yourself if you realise they’re clogged. You can also call a mobile mechanic to quickly swap them from your home. Perfect if you’ve realised they are clogged but don’t want to tamper with your car. 

Your car’s handbook will cover cleaning and changing your filters. Always use genuine replacements. Cheaper filters might damage your car in the long term and result in future car problems.

Bonus tip - Have flexible payment options ready 

Bad luck can catch anyone out when it comes to cars and maintenance. If you do find yourself facing a sizable repair bill for something unexpected, our ‘buy now, pay later’ service can help ease the pain. 

 lets you get the repairs you need quickly. while deferring payments in easy interest-free instalments. Visit our 

If you’re interested in how to prevent car problems, you might want to switch your focus and look at making your car more reliable. 

Your aim should always be to make the car road safe and efficient. So, use the tips on this page and stay up to date with services to ensure the car is healthy and ready to go. 

Alternatively, you could also investigate the 

How to prevent car problems - Final Thoughts

Knowing how to prevent car problems will help you keep your car healthy, safe, and affordable to maintain. So, don’t put it off! Start checking your car today to see if you can prevent future issues now. 

 is here to help if you’re experiencing unexpected car problems and need help with splitting the cost. Apply and spread the cost of services, MOTs, repairs, accessories, and parts today. 

How to prevent unexpected car problems

Every car owner in the UK needs to pass the annual MOT inspection in order to keep their vehicle ‘street legal.’ But do you know what happens if your car 

First of all, don’t panic! You’re not the first person whose car has failed an MOT, and you won’t be the last. Although repairs can be costly and you won’t be left with much choice, with car finance options like 

 available, you might find yourself back on the road faster than anticipated. 

However, you’ll want to get repairs done reasonably quickly — or do without your car until whatever’s broken is fixed. 

Forewarned is forearmed. Here’s everything you need to prepare for a possible MOT #fail. 

An MOT is the UK’s annual vehicle check that ensures your car is roadworthy and won’t pose a risk to yourself or other drivers. The MOT is carried out according to the UK’s Driver and Vehicle Standards Agency. 

Every vehicle older than three years must have a valid MOT certificate before being driven on public roads. If you don’t have a valid MOT and are caught, you can receive a fine of up to £1,000. 

Plus, your insurance company is within its rights to invalidate a claim if you can’t prove your vehicle was roadworthy at the time of the incident.

What can fail an MOT? 11 common reasons cars fail MOTs

The best way to avoid an MOT failure is to know what’s being checked and which issues are most common. We’ve compiled a list of 11 standard MOT failing points to help you prepare. Save this page so you don’t forget them or the failed MOT meaning! 

Blown or broken lightbulbs are the single most common MOT failure cause. Luckily, they’re also the cheapest to fix. Check your lights are working properly before the big test. This includes indicators, front, rear, brake, and fog lights. 

Let's face it — the UK's potholed roads give your suspension a serious workout. So, it's not surprising that suspension issues are another leading cause of MOT failures. Aside from timing your annual service before the MOT test, you cannot do much to prevent this. 

Have you noticed that your brakes are feeling spongy? Or has your car been pulling to the left or right while under braking? These are usually signs that your brake pads need replacing. 

 Brakes need a refresh approximately every 50,000 miles. 

Tyres are one of the most essential parts of the car as they’re the only part of the vehicle that touches the road. If your tyres are in bad shape, they might not even be legal for road driving. 

The UK's minimum legal tread depth limit is 1.6 mm across the central ¾ of the tyre tread. Under this? It’s time for some new tyres! 

While checking your tyres, you should also look for cuts, exposed steel belts, or bulges and tears. You’ll also need to change your tyres if they’re different sizes to the opposite partner. 

5. Cracked windscreen (obscuring driver’s view)

Good visibility is crucial when driving, as without a clear view, you’re putting yourself and other drivers at risk. So, make sure you get any windscreen chips filled with resin to prevent them from becoming cracked. 

6. Stickers on the windscreen (that obscure driver’s view)

Similarly to cracks and chips, stickers that obscure your view will lead to a failed MOT. Yes, something as small as a sticker can cause you to fail! Being able to see is critical, so ensure your windscreen, rear windows, and mirrors are clear. 

Emissions (fuel and exhaust) can also lead to a failed MOT if your fuel system isn’t cleaned and functioning properly. This issue is so standard that some garages even offer pre-MOT fuel services to help you give your emissions a refresh before the test. 

While most fluids aren’t usually tested on an MOT, they will test your power steering fluid. You must have enough fluid in the reservoir to meet the minimum level, so check and top up your fluid if needed. 

For a car to be deemed road-safe, it must have retracting seat belts. Before you arrive at the test, check your seats for any knotted or twisted belts. You should also ensure that they can secure their position without detaching. 

Another safety feature to check is your airbags. Missing airbags or airbag warning lights are a failure point, so get your bags repaired or your dashboard lights reset ASAP. 

Last but not least, review your registration plates. In the UK, these must be clear and legible. You don’t want to fail because of a splodge, dirt, or blown lightbulb! 

The maximum price a garage can charge to carry out an MOT is £54.85 and that includes VAT. As this is the maximum price, you’ll find most garages set £54.85 as their average MOT cost. 

Most MOTs take about 45 minutes and can be carried out in one of over 20,000 licensed MOT stations in the UK. 

Considering the relatively low price of an MOT and the ease of getting one done, it’s well worth making sure yours is up to date in order to avoid hefty fees and invalid insurance. 

Can you drive if your MOT runs out today?

Yes, but only to drive it to the garage for its MOT or for repairs, and then you are allowed to drive it back home. 

If your car doesn't have it's MOT up-to-date, then you may not drive it anywhere else legally. 

In order to pass the MOT, your vehicle has to meet a strict set of criteria, based on your car’s size, age and class. If it doesn’t meet these criteria, and any faults are identified as being dangerous or illegal, your vehicle will automatically fail the MOT. 

For any shortcomings that aren’t dangerous now, but could be down the line, they’ll be flagged up as advisory, meaning you’ll need to remedy them prior to your next MOT. So, check out what can fail an MOT to get prepared. 

If your car fails the MOT, you will be issued a VT30 Refusal of an MOT Test Certificate. This certificate will explain why your vehicle failed its test and the repairs that need to be carried out to pass the MOT. Remedy these before the next test to avoid another “car failed MOT” moment. 

Do you need to get another MOT after a failed test?

Following the failed test, your car can stay at the garage for repairs and be partially rechecked for a free MOT within 10 working days. If more than 10 days pass, the vehicle must go through a complete MOT again at full cost. 

If you take your vehicle to a different garage for repairs, it can be re-inspected for 

The half-price re-test discount can only be used once, so if your vehicle fails again, you’re liable to pay for a full MOT at the next test. 

No, you cannot drive your car with a failed MOT. If you receive a VT30 certificate, your car isn’t safe to drive on the roads, and it is illegal to drive. 

However, there are two exceptions to this rule: 

If you’re caught driving on a failed MOT, you can receive a fine of up to £2,500 and get three penalty points on your licence. 

If you think an MOT failure might be on the cards, having a range of car repair payment options is a good idea. If you get caught out by an expensive set of MOT-mandated fixes, you can manage it with minimum pain. 

If you think you might struggle with the repair costs needed to pass your MOT, 

 can help split your bill into interest-free instalments.

Unfortunately, there are some untrustworthy garages that will purposely try and fail your MOT so they can get more work out of you. Luckily, though, they are very much in the minority. Most garages are reputable businesses who want you to be a pleased customer. 

Can you drive with minor defects or advisory items? 

Along with a clear pass or fail, there are two more possible results that you may see on your MOT certificate: minor defects and advisories. Unlike things that will fail an MOT, these fall under the “Pass with defects” category, as seen 

An advisory item or note is an issue found during the MOT test that isn’t serious enough for failure but needs a service. 

These can be logged as advisories, allowing the MOT tester to communicate the car's general condition to the owner. The owner can then get these items repaired at their own leisure. 

Typical advisory items you may see on your MOT: 

Joseph Law

Bumper Content Writer

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