Joseph Law

Bumper Content Writer

Alastair Shephard

Content Writer

Not only is an MOT a legal obligation, but it is also an important way of ensuring your vehicle is safe for you and for other road users. We look at MOT tests and break down the common deadlines and jargon, so you’ll never miss yours. 

An MOT test is a legally required vehicle test mandated by the Ministry of Transport. It includes a range of safety and environmental tests on your vehicle, to ensure it is legally safe to drive on roads in the UK. Elements such as the steering,

, seatbelts, tires and lights are checked. The engine, clutch and gearbox are not checked as part of an MOT. 

If you pass these tests, you are given an MOT certificate, one of the legally required documents you’ll need to drive or park your vehicle on public roads. 

An MOT certificate is a legally required document so driving without one is breaking the law. Driving without a valid MOT could mean you’re hit with a fine of up to £1,000 and your insurance could be invalidated. 

If you're worried about failing your MOT, you'll want to read our guide to 

When you need an MOT depends on your vehicle. You must get an MOT: 

Within three years of registering a new vehicle 

By the anniversary of your vehicle’s last MOT if it is more than 3 years old. 

Please note: Some vehicles, like taxis, will require an MOT test within a year of being registered, so please check t

An MOT test certificate lasts 12 months after your MOT test has passed. If you want to keep the same renewal date, you are only able to get a new MOT test up to a month (minus a day) before your old MOT test expires. If you want a new date, you can get it done earlier but your renewal date will change to a year (minus a day) after your new test was completed. 

If you can’t find your documents and need to check when your next MOT is due, you can find out easily based on your registration plate. Visit .gov

If you're concerned about the costs associated with any repairs that might arise from your MOT, then Bumper is here to help. Split the costs of car repair loans into interest-free monthly payments. 

Yes, it's true! Speed cameras are now able to check a car's MOT status. Don't risk driving without a valid MOT to avoid fines!

This is a common myth in the UK, but your MOT cannot be overdue by even one day. You need to take it the garage before the MOT is due to avoid a fine and make sure your insurance is valid.

No, there is no grace period for an MOT. You need to take your car to a garage for its MOT before the due date to avoid any consequences. 

You must use a registered MOT centre to get your MOT test. Often, MOT centres may be in car garages where repairs required to pass your test can also take place. To tell if a garage is a registered MOT centre, look for the blue sign with three white triangles. 

The cost of an MOT costs will vary depending on the type of vehicle you own. However, the maximum cost for any vehicle in the UK is £124.50, which is for large passenger vehicles for over 16 passengers. The vast majority of standard cars and motorcycles, however, will cost a maximum of £54.85. 

ost of an MOT test or repairs that are needed in order for your vehicle to pass, BUMPER offer 

n spread the costs of tests and repairs with no interest.

 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.

When is my MOT due?

Cars are complex things, there are many different mechanisms, moving parts and components that can fail. This is why the noises they make when faulty, can be a great indicator of what is going wrong.

Below we’ll explain what some common car noises mean, and when to be concerned with them and get them fixed. 

Bumper knows a large repair bill on your car is the last thing you want to spend your money on, but sometimes repairs can't be avoided. 

Look after your car and your bank balance by splitting the cost or repairs into with

Clicking noise and the engine not starting 

If you hear a clicking noise when you try to start your vehicle, there may be a problem with the electrics – and more specifically the battery in your car. 

This clicking noise may be a sign that the battery does not have enough power to crank the engine because it is faulty, or your car has a 

Most service centres or garages will be able to do a free battery health check. Batteries most commonly fail around 

winter time, when the engine is harder to turn over

 and the battery is at near zero temperatures. 

If your engine squeals when started, it is usually the auxiliary belt. Also known as the fan belt or serpentine belt, it drives the ancillary components such as 

Because these components all draw rotational power from the engine, the belt is under a large load when first starting, this in combination with rubber belts becoming harder and less ‘grippy’ when cold, the belt can slip and cause a noise. 

Whilst the noise will usually go quickly when it first develops, it will get worse the longer its left. In some cases the belt can simply be tightened and this will remedy the problem, 

If the belt is not tightened or replaced to prevent the squeal, it will ‘glaze’ meaning the surface becomes shiny and no longer grips. Once this happens the belt will slip much more. 

Whilst this does not appear to be a huge problem, the belt will eventually snap due to the unindented wear. A snapped auxiliary belt will leave you stranded, as the battery will no longer be charging, and in some cases the 

, which could cause serious engine damage. 

If you sometimes hear a loud metallic sounding, high frequency tapping when the engine is started, that fades away after a few seconds, you may need to check your engine oil. 

Some cars have hydraulic tappets on the camshafts. These are simply devices that allow your engine to run with less maintenance than the old fashioned alternative - manual adjusted tappets. 

Because the tappets are hydraulic, they use the engine’s oil to operate. If your car's engine oil is low, it can take a few seconds for the oil to reach the tappets, which are right on top of the engine. 

Learn how to spread your car repairs over monthly repayments

Are loud hydraulic tappets a big problem? 

In some cars, the tappet noise is perfectly normal, even with the correct amount of oil in the engine. It is likely to be more prominent on 

, and when the car is left with the engine off for a period of time - such as overnight. 

If your engine oil is at the correct level and is the right grade for your car, and your engine makes a loud tapping noise when started every time, it may be a good time to take it to a mechanic. 

It is important when trying to diagnose or describe a car noise that you think is causing a problem, to listen out for the particular circumstance that causes the noise. These details can help a mechanic diagnose the problem and fix your car faster! 

Suspension systems are made up of multiple links and joints. Over time these wear out and become loose, causing noises when the car drives over a bump or pot-hole at speed. 

Another potential source of noises from the underneath of your car is the exhaust system. As this is suspended from rubber hangers, these wear out and allow the

 itself to move excessively, banging into the underside of the car. 

What causes a loud bang under my car when driving? 

If you hear a loud bang from your car where the noise is a deeper tone and sounds as though it's coming from the back or front of the car, it could be the suspension. Common replacement parts are wishbone bushes, track rod ends and drop links. 

If it appears to be coming from directly underneath and is more hollow and metallic in tone - like the sound of a metal pan being hit with a spoon, it’s more likely an exhaust issue. 

Find out more about car warning lights and what to do about them.

Is your car making a "whirring noise" when driving?

A car making a "whirring noise" can be caused by any 

. For example, if there’s an issue with your power steering system such as a leak, you may hear this noise when turning the wheel, and especially when turned all the way in either direction. 

You should address any issues with power steering as soon as possible with 

Also, if you hear a whirring noise that seems like it's coming from your engine then you'll want to get to your local mechanic quickly. 

Other common sources of whirring noises and water pumps, alternators, air conditioning pumps and worn clutches - anything that spins, will have a bearing in, and can wear out. 

 can cause parts such as the pump pulley to wobble as they rotate causing the noise as you drive. If you don’t replace any faulty parts in your water pump, your engine may overheat and fail. 

A consistent humming noise may have very different causes based on where the noise appears to be coming from and when it happens. 

If the noise occurs when the car is stationary, it’s a sign that the issue may be a leak from a part that moves irrespective of whether the car is moving or not, e.g. your exhaust system. 

What causes a humming noise when driving? 

If the humming noise only happens when you’re driving it may be something more serious, such as 

. In short, wheel bearings allow the wheels of your car to rotate without friction or excess heat. 

These bearings wear over time and typically need to be replaced every 80-120,000 miles, depending on the usage. 

There are two main things to check in identifying a wheel bearing noise: if the noise get faster/louder with increased speed, and if the noise changes when turning at speed. 

Wheel bearings are critical to the safety of your car, and will affect tyres and vehicle control if left too long - if the two points above are true about the noise in your car, take it to a mechanic as soon as possible. 

Find out more about replacing wheel bearings.

A whistling noise while you drive is most likely caused by a leak somewhere in your engine, maybe as a result of a faulty or cracked hose in your turbo or vacuum system. 

These pipes are vital for keeping your engine running properly and would affect performance and economy. The parts usually don’t cost a lot to replace, but failure to do so will eventually lead to bigger problems. 

You may notice that your car makes a specific noise when your car is turning. Depending on the noise, it may signify any number of issues. It’s important to differentiate if the noise happens when turning the steering wheel, stationary or not, or whilst turning a corner. 

Noise when turning the wheel usually indicates a fault with the power steering system. Often the pump will cause a noise when the bearings become worn. It will usually coincide with heavier steering. 

If your car makes a noise when driving round corners, such as at roundabouts, it could indicate a fault with the suspension or tracking, or maybe be a wheel bearing, as described above. 

Another possibility is a worn CV joint. A Constant-Velocity joint is what enables the drive from the

 to be transferred to the wheels whilst turning. When worn they make a distinctive clicking sound, which increases in frequency with the speed of the vehicle, and volume with the level of steering angle. 

Whatever the noise, sounds when you turn can indicate there is an issue with your steering and should be addressed as soon as possible. 

Any engine issues will usually be more apparent when pulling off and accelerating uphill, than when at cruising speed. Similarly, braking noises will often get louder the harder the brakes are applied. 

Typically heard from the top of the engine bay, and sounds like air leaking from the engine. You might also hear a noise from underneath the car. 

If the noise is upfront, a turbo pipe leak could make a roaring noise, this will be accompanied by a lack of power and often more smoke than normal from the exhaust. 

At the other end of the spectrum, an exhaust leak from underneath the car could also cause a louder noise when accelerating. This will often be alongside a strong smell of exhaust fumes inside the car. 

Both noises would be easier to hear from outside the car. Try having someone gently rev the car's engine - in neutral - whilst you hear from the outside. 

Worried a noise in your vehicle may be a sign of something serious? Use 

 to find your local garage and pay for repairs in manageable monthly instalments, at no extra cost with a car repair loan. 

9 Car Noises To Look Out For (And What To Do)

9 Ruidos en el coche: de qué son, cómo identificarlos y encontrar las causas

9 Autogeräusche, auf die Sie achten sollten (und was Sie dagegen tun können) 

Unlike other countries, there isn’t a universal credit score in the UK. Here, credit reference agencies such as Transunion, Equifax and Experian provide data to lenders for risk assessments, who in turn report back to the agencies on whether the customer has maintained their repayments. As lenders may use 1, 2 or all 3 of the credit reference agencies, the score you receive from each is likely to be different.

Not only do different credit agencies use different criteria, they also score you using different scales. For example, with Experian you would be scored out of 999 and with Credit Karma, which uses Transunion and Equifax, you would be scored out of 710.

What these companies consider a good, bad or average credit score is published on their websites but how they determine this varies by agency.

There are five main points agencies will consider when determining your score:

You can check your credit score for free by visiting Experian’s website or Credit Karma.

How Your Credit Score Is Calculated

1 in 5 UK drivers admit to driving unsafe cars because they

and a quarter of drivers aged 17 to 24 say they put off repairs to avoid extra costs. This results in many dangerous vehicles on the road and a higher likelihood of 

Repairing your car is critical. To help manage the costs, a significant proportion of drivers use payday loans to cover car expenses. However, this isn’t always the best solution either. 

In this article, we’re exploring why payday loans aren’t always the best idea for car costs with honest advice and unbiased information. 

Before we discuss the pros and cons of payday

, we’ll quickly provide an overview of what they are. 

A payday loan is a short-term, unsecured loan that often comes with high-interest rates. These are also known as salary loans, payroll loans, payday advances, or cash advance loans. 

Payday loans are usually available for £500 or less and are a popular option for those with lower credit scores. But they’re not your only option.

It’s vital to be informed before applying for any 

. Here are the transparent benefits and drawbacks of payday loans for car repairs. 

Alternatives to payday loans for car repairs

Realising your car needs urgent repair is stressful. Before you sign up for a payday loan, consider alternative options and assess how they’ll affect your finances. 

Alternative payment options for car repairs include: 

Payday loans vs Bumper’s interest-free finance: A comparison

loans are used for car or vehicle expenses

, but they often have large interest rates. Typical interest rates work out to be 1,300% APR. 

In fact, one company we found offering payday loans for car repairs estimated a 6-month £2,000 loan would cost £3273.94, including interest. This is 

Companies offering payday loans tend to prey on those with 

‘Payday loans for bad credit’ is a phrase that appears frequently when searching online. This may seem appealing if you have a low credit score, but you’ll likely be charged a much higher interest rate. 

Finder.com reported that the average payday loan user is younger, between the ages of 25 and 30, single, in rented accommodation, and on a low income, with a household income of less than £1,500 per month. 61% of these users admitted to feeling less confident about managing money. 

Payday loans may seem like a quick solution to your car repair problems but could leave you with large amounts of interest to pay and your credit score negatively impacted (if you’re unable to make the repayments). 

Why interest-free loans are more sustainable than payday loans

 interest-free, buy now pay later loans for car repairs keep things simple. 

They have a 0% APR, meaning what you borrow is exactly what you pay. The garage covers the lender's cost in the form of a small percentage charge, so there is no need to worry about depositing extra cash to cover the interest. 

 and risk management systems uses artificial intelligence to make lending decisions based on previous loans, meaning we can lend responsibly and not push customers into debt. 

It also ensures we can lend to many people. Our average acceptance rate is 95%. 

Participating garages offer interest-free loans. Our' find a garage' tool allows you to find local garages using your postcode. 

There’s no one-size-fits-all answer to car financing. However, it’s important to understand that payday loans aren’t always as friendly as they seem. Hopefully, this blog has helped you understand how payday loans work and encouraged you to conduct your own research before choosing one car repair financing method. 

 helps you spread the cost of any repairs at no extra cost. With 0% interest and the chance to split bills of up to £5,000, we’re here to help when your car goes wrong. We also offer quick online pre-approvals, allowing you to skip the paperwork and access help whenever needed. 

Apply for a credit limit and find a reliable service partner today. 

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.

Here’s Why You Should NOT Use Payday Loans For Car Repairs

Credit cards can quickly come to the rescue when you’re short on cash. But while our plastic friends have often had our backs when faced with a large bill, a new form of payment has grown in popularity: Buy Now Pay Later (BNPL). 

BNPL is a finance option that allows you to make purchases by splitting the cost into monthly payments, often interest-free. Currys, Ikea, ASOS, Pretty Little Thing, and Very.co.uk are just some of the big names offering the option as an alternative to credit cards. 

But which one is better? How do BNPL vs credit cards measure up? Today, we’re delving into the two options to help you get an unbiased option. Let’s go. 

, it’s helpful to consider the pros and cons of both options. This gives you a transparent view of both, allowing you to choose the one that’s right for you without any false marketing. 

First up, here are the pros and cons of credit cards. 

Get your FREE credit report with Checkmyfile 

to see what lenders may see when they check your report. Try it FREE for 30 days, then £14.99 a month. Cancel anytime.

Next, we’ll look at the advantages and disadvantages of 

. Remember these before signing up for anything! 

Buy Now Pay Later vs Credit Cards - How do they measure up?

So, how does each side fare in the buy now pay later vs credit cards fight? Both options have positives and negatives, so which one is best for you is down to your financial needs. 

Here’s a quick comparison between the main factors: 

 is a Buy Now Pay Later provider for car repairs and servicing. 

We’re here to take away the stress of breakdowns and hefty repairs with 0% interest financing. You can spread the costs and match with an experienced garage near your home. 

When it comes to being accepted, Bumper provides an instant response so you know if you’ve been accepted there and then. 

Buy Now PayLater vs. Credit Cards

A clutch replacement in the UK costs between £300 and £700, with some models exceeding £1,200. 

If your clutch is slipping, hard to shift, or making noises, you may need a replacement. This guide covers costs, symptoms, and when to replace your clutch and flywheel.

How much does a clutch replacement cost? 

The average cost of a clutch replacement in the UK is £454.55.

However, prices can range from £300 to £900. Not all vehicles can be fitted with the same clutch, so prices may vary between different makes and models—and this also doesn’t factor in the total cost including labour. 

A car clutch connects and disconnects the engine from the transmission. Pressing the clutch pedal disengages it, allowing gear changes, while releasing it re-engages, enabling smooth power transfer to the wheels for driving.

Here’s a breakdown of clutch and flywheel replacement costs:

If car repairs and replacement parts have you worried, Bumper could help you with 0% interest 

 paid for in easy-to-manage monthly payments. 

As you can see above, clutch replacement costs vary a lot.

 it's important to understand where your money goes. Here's a breakdown of what's typically included in a clutch replacement fee:

Factors that affect a clutch replacement cost 

Why do clutch replacement costs change so much? Here are the main factors that may affect the price of your repair. 

There are a number of factors that indicate your clutch might need repairing, these include: 

If you're unsure or suspect your car may have one of these issues, it's highly recommended to ask how much is a new clutch and have an approved mechanic inspect it.

Ignoring the problem could put you and your passengers at risk and lead to more expensive repairs later.

What happens if you don’t replace a worn clutch?

If you don’t replace a worn clutch, it can lead to slipping gears, difficulty shifting, and eventual complete failure. This can make driving unsafe and cause more damage to your car, leading to a potentially more expensive new clutch cost in the future. 

How long does it take to replace a clutch?

On average, replacing a clutch usually takes about 4-6 hours, depending on your car’s make and model. 

Some cars may take longer if they’re harder to work on or more complicated in design, but a skilled mechanic can typically complete the job in a day.

A clutch should last upwards of 60,000 miles on a petrol car with good care and a considerate driving style.

There are certain things that will shorten the life of your clutch, such as: 

Yes, a clutch can fail suddenly, especially if worn down over time. 

You might notice slipping gears, difficulty shifting, or strange noises leading up to the failure. If ignored, it could completely fail, leaving you stuck and facing expensive repairs.

What causes a clutch to burn out quickly?

A clutch can burn out quickly if it’s frequently slipped, such as when riding the pedal too much, towing heavy loads, or driving in stop-and-go traffic. 

Poor driving habits or not replacing worn parts can also speed up wear. Drive carefully to keep your car in good health!

Is it cheaper to replace just the clutch or the flywheel too?

It’s usually cheaper to replace just the clutch, but if the flywheel is damaged or worn, it’s best to replace it too. Skipping the flywheel might save money upfront but could lead to bigger issues later.

The clutch interacts with other car components, so the flywheel and pressure plate may also need replacement. A flywheel is a heavy wheel attached to a rotating shaft connected to the engine, designed to smooth power delivery. 

The rivets can damage the flywheel and pressure plate if the clutch is worn too much. However, if replaced early, the flywheel can often be reused, saving you on a 

Can you replace a clutch without resurfacing the flywheel? 

Yes and no. Whether you need to replace the flywheel depends on how worn the clutch is. 

If the clutch was slipping for a while, the flywheel could be damaged. It's crucial to check the clutch early as soon as it feels worn or that it is slipping.

Other common clutch problems you should know

Alongside the clutch plate, flywheel and pressure plate, there is a hydraulic system that actuates the clutch. 

There are a few different types of issues that can be present with these parts:

When you release the clutch pedal, the hydraulic force from the spring in the pressure plate and often a return spring work to push the clutch pedal back up to the resting position.

A failing clutch master cylinder can cause this problem. As the seals break down and allow fluid to pass through, the pressure required to push the pedal back is dissipated.

If you’re hearing a whirring or scraping noise when the clutch pedal is depressed, which gets higher in frequency with the engine speed increasing, you may have a failed clutch release bearing. 

When you press the pedal, and the system applies force to the clutch pressure plate through the clutch fork, that force is applied to the spinning pressure plate through a bearing. 

Over normal usage, this bearing deteriorates and creates noise and sometimes vibration through the pedal. 

Hopefully, this article has helped you work out how much your clutch replacement will cost. 

Clutch replacements are, unfortunately, part of owning a vehicle. While they keep your car healthy, they can significantly dent your bank account—especially if you need a last-minute replacement. 

Worried about clutch repair costs? Bumper is here to help.

Split the cost of car repairs with Bumper's interest-free 

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

How much does a clutch replacement cost in the UK?

¿Cuánto cuesta reemplazar el embrague?

Wie viel kostet ein Kupplungswechsel?

Brakes are vital for your vehicle’s safety, and replacing a brake disc can cost around £250 in the UK.

Bumpy ride? If you notice changes in braking performance or unusual noises, have them inspected and, if necessary, replaced by a mechanic. 

This article explains everything UK drivers need to know about brake pad replacement costs, so you can be ready for your repair.

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