Motoring Advice Archives

What is a Hill Start – and How Do You Do It?

If you’re a learner driver, you need to be able to handle a hill start. In fact, even if you’re experienced behind the wheel, it’s wise to refresh your knowledge about how to do a hill start. So, what is a hill start – and how do you do it?

What is a hill start?

You’ll face all kinds of hazards as a driver. Whether you’re facing the traffic of urban centres, narrow country roads, or a steep hill, you need to stay calm and collected.

If you have to start your vehicle’s engine and move off on a road with any kind of gradient, then you’re performing a hill start. The lower the gradient, the easier the hill start – but all require clutch control, as well as management of your brakes.

If you’re a learner driver, you’ll be asked to perform a hill start, so it’s sensible to know how to do a hill start before your lessons begin.

How do you do a hill start?

Many modern vehicles are fitted with Hill Start Assist technology.

However, if you’re a learner, you may have an older model of car which lacks this assistance. Even if your car has Hill Start Assist, it’s still wise to know how to do a hill start.

For manual vehicles

Hill starts are all about clutch control. Always start with your handbrake on. This will reduce the chance of your car rolling backwards down the hill. Remember that your car will struggle to move up any hill when it’s in a higher gear.

When the handbrake is on, use your clutch to get into first gear. You want to bring the clutch up to what’s called the biting point – you’ll know when you hit this because the sound of the engine will change, and you’ll feel the car shift, indicating that it’s ready to move. Gently press down on the accelerator.

Always use your mirrors to check that it’s safe to move away. You can then release the handbrake, and give the clutch a little more bite. Slowly take your foot off the clutch as you ease your other foot onto the accelerator. The car will then move up the hill.

For automatic vehicles

Hill starts are easier in automatic vehicles as there’s no clutch control to worry about.

Once on the hill, ensure that your gearbox is in D (drive) and your handbrake is on. Gently press down on the accelerator until you feel the car beginning to strain against the handbrake.

Once you have checked that it’s safe to move off, you can release the handbrake, allowing the car to move off and up the hill.

Finance your new set of wheels

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Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

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Why Does the Government Plan to Relax MOT Test Rules?

The UK government has recently proposed changes to the process of MOT testing. As of 18 January 2023, the Department for Transport (DfT) and the Driver and Vehicle Standards Agency (DVSA) have launched a consultation to gauge public opinion on changing the frequency and regularity of MOTs, alongside other proposed amendments on MOT test rules.

These changes have been made in light of ever-improving safety technology in new vehicles, as well as the rising popularity of EVs and hybrid vehicles. The need to balance cost-of-living stress was another important factor.

What is the current MOT legislation?

When a car undergoes an MOT test, the vehicle is checked comprehensively to ensure it meets the legal standards. MOTs have been in place since the 1960s, and underwent a significant overhaul in 2018, with the addition of tougher emissions checks for diesel vehicles and a new rating system.

Different elements are checked in cars and motorcycles during an MOT, but the test does not cover the condition of the engine, clutch or gearbox. Expect elements like the headlights, handbrake efficacy, and structural wear and tear to be checked during an MOT. The average MOT costs £40.

Under current legislation, new vehicles have to go through an MOT after three years on the road. Once a car qualifies for MOT, it must then undergo the test once every year.

What are the proposed MOT test rules?

Extension to roadworthiness testing

Under the proposed changes, new vehicles would be eligible for their first MOT after four years, instead of the current legislative requirement of three. The DfT and DVSA have suggested that the move could save UK motorists ‘around £100 million a year’ in MOT fees.

The DfT and DVSA insist that this change ‘should not impact road safety’, given that ‘most new vehicles pass the first MOT test at 3 years.’ The proposed changes for roadworthiness testing would bring the UK in line with regulations in European countries including Spain, France, Portugal, Denmark, Belgium and Italy.

These changes had been proposed in 2017-18, when they received little public support, with concerns over vehicular safety cited as the main reason for opposition.

Changes to frequency of MOT testing

Once a vehicle is eligible for MOT testing, under current legislation, it must be tested annually. The proposed changes would amend this to make MOT testing a biannual (once every two years) requirement instead. This amendment was first suggested in 2022, but was shelved at the time due to safety concerns.

Testing of EV batteries

The consultation also aims to consider whether MOT test rules should be amended to include testing of EV batteries to ensure these remain safe and reliable, and therefore, roadworthy.

Particulates monitoring

In 2018, MOT test rules were overhauled and tightened, with greater emissions checks implemented for diesel vehicles.

The new proposal would implement greater testing of pollutants and particulates for diesel, petrol and hybrid cars (vehicles with any kind of internal combustion engine). This proposed amendment to MOT test rules is designed to ensure that these vehicles continue to meet emissions requirements.

Loud engines and MOT fraud

The consultation also seeks to establish whether tougher measures should be introduced to tackle excessively loud engines, as well as striving to crack down on MOT and mileage fraud.

Is there opposition to the proposed changes to MOT test rules?

Edmund King, President of the AA, has been critical of the DfT and DVSA’s MOT pass data, stating that one in ten cars fail their first MOT.

Critiques have also been levelled at the extension to MOT test rules for new vehicles, with the RAC suggesting that high mileage vehicles should be required to test sooner in order to ensure their continued roadworthiness.

The government’s proposed cost-cutting measures have also come under fire, with safety professionals suggesting that any money saved on annual MOT tests would be minimal, due to the need for cars to remain road safe, and the concurrent cost of high repair bills. Alternatively, it has also been put forward that less judicious drivers might risk lives by driving unroadworthy vehicles.

There are also concerns that proposed changes to MOT test rules might put jobs in the garage industry at risk.

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Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

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Government MOT rules

What is the ‘Cestui Que Vie Trust’ Car Insurance Scam?

In early February 2023, the UK government published a warning against the ‘cestui que vie trust’ car insurance scam. If you have been approached by anyone claiming to sell car insurance under the banner of a ‘cestui que vie trust’, or others offering false information on how to claim from these fictitious funds, be aware that this is a fraudulent scheme.

What is the ‘cestui que vie trust’ scam?

‘Cestui que vie’ is a French phrase meaning ‘he who lives’ and is a legitimate legal term with a long history. The term refers to an individual who is a beneficiary with rights to property in an estate. It’s most frequently used in life and health insurance policies. Similarly, a ‘cestui que trust’ is an archaic but legitimate phrase referring to the beneficiary of a trust.

A ‘cestui que vie trust’ appears to be an amalgamation of the two terms, but it is entirely fraudulent – it does not exist. There are fraudsters currently claiming to sell car insurance backed by government funds. They advise individuals to claim money from the government using this imaginary ‘cestui que vie trust.’ No such funds are available from the government.

Should you purchase this fraudulent insurance, you will be classed as driving without insurance. This is illegal and risks fines, court appearances and vehicular seizure by the police.

If you or anyone you know has been the victim of the ‘cestui que vie trust’ car insurance scam, report it to Action Fraud or call 0300 123 2040.

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Car Finance vs Personal Loan, what’s best for me?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

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UK Drivers Risk £1000 DVLA Fine Over Missed Updates

If you’ve changed address recently and are a UK driver, you need to update the address on your driving licence to avoid a hefty DVLA fine. Failing to do so may cost you £1,000.

Why do I need to renew my licence if I’ve changed address?

If you’re a UK driver in possession of either a provisional or full driving licence and you’ve recently changed address even temporarily, you need to update the DVLA and change the address on your licence. Failure to do so may incur a fine of £1,000. Unlike renewing your licence, changing the address listed is free of charge.

The DVLA requires licences to list accurate, up-to-date residential information in case of accidents.

You must also update the address in your vehicle logbook (V5C) and update the vehicle tax Direct Debit.

If you’re a student, provided that your driving licence lists a permanent home address at which you remain reachable, you do not need to update the address on it.

How often should I renew my licence?

Legally, drivers have to renew their licences every decade, so that the image displayed matches their likeness. Failure to do so can result in a £1,000 fine from the DVLA.

However, drivers should also renew their licence every time they change address in order to avoid the same fine.

Licences can be renewed via gov.uk, where the five-day application process will cost a total of £14. Changing the address on a licence is free of charge.

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8 Benefits of Getting an Electric Car on Finance

What is CS Car Finance?

Will I Get Accepted for Car Finance?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

address DVLA licence update V5C

How to Pass Your Theory Test First Time

Passing your theory test is the first step to securing your license. So, what can you do to boost your chances of success? Read on as we cover everything you need to know about how to pass your theory test with flying colours on the first try.

Theory vs practical test

Many new drivers worry about how they’ll perform in the practical driving test. With challenges like lane changing, parallel parking and motorway driving on the cards, passing your practical driving test is definitely a challenge. But what many learner drivers don’t realise is the importance of the theory test. It’s designed to get you up to speed on all the basic road rules before you get behind the wheel. This includes demonstrating a good understanding of the Highway Code.

Figuring out how to pass your theory test is important, as you can’t book your practical driving test until you’ve passed. Your theory test is the second step you’ll take when working towards gaining your full UK driving licence. You must be at least 17 years old before taking the theory test, unless you qualify for the Personal Independence Payment. In this case, you can sit the test after you turn 16.

The first step is applying for your provisional licence, which allows you to drive on UK roads while supervised. You’ll need to be at least 15 years and 9 months old before you can apply for your provisional licence. Your supervisor must be aged 21 years or older and have held a full driving licence for at least three years.

What to expect from the theory test

Wondering how to pass your theory test the first time? Knowing what to expect is key. Questions in the UK driving theory test are based on guides published by the Driving and Vehicle Standards Agency (DVSA). This includes the Highway Code, as well as publications like Know Your Traffic Signs and The Official DVSA Guide to Driving.

The test is split into two sections – a multiple choice questionnaire and a practical hazard perception test. You’ll need to sit both on the same day, though you can take a short break between the two tests if you like. Understanding the format of the driving theory test is one of the best ways to pass the first time. Instead of being surprised by the questions or structure, you’ll be armed with an in-depth understanding of the test and its different elements.

Let’s take a closer look at each section:

Multiple choice questionnaire

This section features around 50 multiple choice questions, all relating to driving rules and safety. The focus is on real-life situations you might encounter while driving on British roads. If you’re wondering how to pass your theory test the first time, familiarising yourself with the Highway Code is one of the best ways to prepare.

Questions are selected randomly from a pool of around 1000 questions. This means you can expect to see all kinds of topics and scenarios covered in your multiple-choice questionnaire.

You’ll have just under one hour to complete all 50 questions. Don’t worry, you can get a few wrong. But you’ll need to get at least 43 right to score a pass. We recommend allocating around one minute to each question. This gives you time to go back at the end and review your answers or allocate extra time to difficult questions. Don’t stress if you get stuck on a question. You can always come back to it at the end.

Hazard perception

This section features a series of video clips from the perspective of a motorist. As you watch the clips, you’ll be asked to identify potential hazards, such as pedestrians preparing to cross the road and cars pulling out from intersections. Passengers opening doors onto the road are another common danger featured in the hazard perception section.

The hazard perception test lasts for around 20 minutes, and you’ll need to score 44 out of 75 to pass. It seems like a long time to be looking out for potential hazards. But in reality, it simply mimics the level of alertness you’ll need to replicate when driving in real life. Paying close attention throughout the hazard perception assessment is one of our top tips when it comes to how to pass your theory test.

Practice makes perfect

As the old saying goes, practice makes perfect. If you’re wondering how to pass your theory test the first time, practice is essential. Just like studying for an exam, it’s important to put in the effort before sitting your theory test.

Mock theory tests are the best way to practise for your exam. You can easily source mock theory tests online for free, so no excuses!

The next step: practical test

Once you’ve passed your theory test, the next step is sitting your practical driving exam. Once again, practice is key. Get in as much practice as possible with your driving instructor or a qualified friend or family member before sitting the practical test. This is the best way to boost your confidence in the driver’s seat.

After passing your theory test, you have two years to pass your practical driving test. If you don’t pass within the two-year timeframe, you’ll need to sit your theory test again.

Funding your first car

Now you know how to pass your theory test, the next step is securing the keys to your own set of wheels. This is where we come in. At My Car Credit, we specialise in getting Brits behind the wheel of their dream cars.

Can you get car finance at 18? Absolutely. We help motorists of all ages secure the best deals on car finance, even if you’re still in your teens. Give us a call today to chat to a friendly team member and find out more.

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7 Advantages of Used Car Hire Purchase

What’s the Cheapest Way to Finance a Car?

Car Finance or Personal Loan – Which is Best for You?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

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3 Reasons Why Airbags are Important

Volkswagen steering wheel with an airbag fitted

From seatbelts and airbags through to technological safety features like lane assist and cruise control, today’s level of vehicular safety has been achieved through several key advancements.

One of the best known and most widespread safety features in cars are airbags. First developed in the USA in the 1950s, airbags became mainstays in Europe in the 1980s. They are now standard safety features in vehicles globally.

What are airbags and how do they work?

Airbags are inflatable bags that cushion the body of the driver and passenger(s) in the event of a crash.

Despite their name, airbags are actually filled with a chemical compound that reacts to high temperatures. This causes the bag to fill with air, preventing the driver and passenger from hitting the car’s hard surfaces (such as the dashboard and steering wheel), as well as each other.

Vehicles are fitted with collision sensors at various points. When a severe collision is sensed, these sensors release an ignition compound. This sparks a chemical reaction, causing the compound in the airbags (a mix of sodium and nitrogen) to react. The airbag then inflates. This process takes place in a matter of milliseconds.

Once the bags have been inflated, they then deflate immediately. This allows people to leave the car if possible, or for emergency services to access it. As high temperatures are generated during this process, some people may experience minor burns as a result of airbag inflation.

Why are airbags important?

Airbags provide a cushioning effect for the driver and passenger(s). They also reduce the speed at which the body may collide with the vehicle’s dashboard, steering wheel, and other passengers.

The US-based NHTSA (National Highway Traffic Safety Administration) reports that:

From 1987 to 2017, 50,457 lives were saved by frontal airbags.
Airbags in combination with seat belts reduced the risk of death in frontal crashes by 61%. This is compared to a 50% reduction for seatbelts alone, and 34% for airbags alone.
As of 2012, 2,252 lives were saved by side airbags.

Where are airbags located?

The first airbags were located towards the front of the vehicle. They were fitted within the steering wheel and dashboard to protect both the driver and passenger from frontal collisions.

It’s worth knowing that American airbags tend to be larger and inflate faster. This is because they had traditionally been seen as a replacement safety feature for seatbelts, rather than as a feature working in tandem with seatbelts.

However, some vehicles may now have up to nine airbags, depending on the model and make. Alternative airbag locations include:

Knee airbags – Designed to protect the driver and front passenger’s knees from hitting the dashboard.
Foot airbags – Designed to reduce injuries to the lower legs and feet.
Side airbags – Designed to reduce impact for side (lateral) collisions. There are also side torso airbags.
Seatbelt airbags – Released from the seatbelt, across the shoulder and torso.
Curtain airbags – Released from the roof sill downwards, to protect the head and neck.
Centre airbags – Designed to prevent head contact between passengers and drivers, released between the front two seats during a lateral collision.

Do airbags have limitations?

Airbags reduce the damage caused by accidents – but they cannot prevent them. As mentioned above, other injuries (such as minor burns and scrapes) may be sustained as a result of airbag inflation. This is particularly the case for drivers wearing glasses, who may experience facial injuries as a result of airbag deployment.

Airbags should be used with other safety features, such as seatbelts, in order to ensure that all persons within the vehicle are as safe as possible. Airbags are designed to work for drivers and passengers in the correct sitting position. They may not work as effectively if, for example, a passenger is sat with their feet on the dashboard, or if there are objects on the dashboard that impede the airbag’s inflation.

Similarly, airbags are designed for adults. Children are at risk of injury if they are either unbelted or in rear-facing child safety seats in the front passenger seat of a vehicle. They should therefore always be in a car’s backseat if under thirteen years of age or 153cm height.

Upgrade your car and benefit from maximum safety

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How Does Auto Finance Work?

How Do Balloon Payments Work?

Who is the Legal Owner of a Car on Finance?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

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What are the Different Types of Speed Camera?

Whether or not you’re a fan of speed cameras, as a driver on UK roads, you’ve got to get used to them. As such, it can be useful to know how to distinguish different types of speed camera, so that you can always drive within the legal speed limit on any journey you make.

What are the different types of speed camera on UK roads?

If a camera captures a driver speeding, it will take down details like the time and date of the offence, make and model of the vehicle, and speed of travel. Some types of speed camera also capture the face of the driver behind the wheel. A typical penalty for speeding is a fine and three points on your driving licence – but penalties can be worse if the speed limit was significantly exceeded.

Fixed speed cameras

Fixed speed cameras include the Gatso speed camera (first introduced to the UK in 1991), as well as the Truvelo Combi and Truvelo D-Cam speed cameras. The Gatso speed camera is rear-facing in order to avoid blinding drivers with their flash, which gave rise to the Truvelo Combi, which is forward-facing and uses infra-red technology to capture speeding.

Mobile speed cameras

These are typically deployed by the police, who will use them on particularly accident-prone stretches of road.

As the name indicates, mobile speed cameras are operated from within police cars and can move around or be mounted roadside on a tripod. They’re also manually operated by police in the form of radar or laser guns. Be aware that mobile speed cameras can operate in unmarked cars.

Speed and traffic cameras

These are usually used in urban areas, where you’ll see them mounted above the road on purpose-built poles. They use sensors in order to gauge whether a motorist is speeding or not, but can be used to monitor traffic and road junction violations too. They can also be found along dual carriageways in busy areas.

Average speed cameras

Average speed cameras work by recording a vehicle’s speed at two different points, and are therefore designed to keep traffic flowing evenly, as they aim to prevent drivers from slowing down when they see a camera and then immediately speeding back up. This is done via infrared sensors. They’re typically used on motorways and in towns and villages, as well as at sites of roadworks.

Variable speed cameras

If you’re a regular driver on smart motorways, you’ll be familiar with variable speed cameras, where they’re used to ease congestion or in case of hazards like accidents or weather events. Unlike the alternative types of speed camera, they’re less likely to be in use 24/7.

Find a car you feel safe in with My Car Credit

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Advantages and Disadvantages of PCP Car Finance

Will I Get Accepted for Car Finance?

Is there such a thing as guaranteed car finance?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

average camera Gatso speeding Truvelo variable

What are the Most Common Car Dashboard Warnings?

If deciphering your car dashboard warnings feels like a complete mystery, this guide is for you. Symbols like the low petrol light are familiar to most drivers. But what about all those other car dashboard warnings that pop up from time to time? Fortunately, we’re here to help! Read on for a complete guide to the most common warning lights and what to do when they appear on your dashboard.

Colour coded car dashboard warnings

Most car dashboard lights use a colour coded system.

Green

Green lights are good and indicate a system is engaged or working as it should. Nothing to worry about here.

Yellow

Yellow lights are a warning that a system or component isn’t working correctly. You don’t necessarily need to pull over and call a tow truck, but you should take extra care when driving and get your vehicle checked out ASAP.

Red

When you see red car dashboard warnings, it’s best to pull over and switch off your engine as soon as possible. Red lights indicate a serious problem that could quickly escalate if not immediately addressed.

Now you know more about the colour coded system, let’s take a closer look at the most common car dashboard warnings.

Brake warning light

The brake warning light indicates a problem with your parking brake, or your brake fluid levels. Best case scenario, your parking brake is stuck, and you can get rid of the warning light with a quick readjustment. If this doesn’t work, you’ll need to get your brake fluid levels checked.

ABS warning light

This light indicates a problem with your anti-lock brake system (ABS). This is a critical safety feature that helps you pull off emergency stops, especially in wet and slippery conditions. Depending on the issue, the ABS car dashboard warning light may be accompanied by the Electronic Brake Force Distribution (EBD) light. If you notice either is lit up, it’s best to reduce your speed, avoid braking suddenly and pull over when safe to do so.

Check engine car dashboard warning light

Also known as the ECU warning light, this symbol could mean anything from a minor issue with an electrical sensor to a serious mechanical failure. You can usually continue to drive with the check engine light on, but it’s best to look into the issue ASAP to stay safe and avoid irreparable damage.

Airbag warning light

This one will light up in red and indicates that your airbag safety system is compromised. Also called the supplemental restraint system (SRS) warning light, it’s not one to be ignored.

Power steering warning light

As the name suggests, this car dashboard warning confirms there’s an issue with your power steering. Sometimes getting it to turn off is as simple as restarting your engine. Other times, you may need to book your car into a service centre for a closer inspection. If there is a serious problem, you’ll probably be able to feel it as you manoeuvre the car. You can still drive with the power steering light on, but you’ll need to be careful as your steering assistance is compromised.

Engine temperature warning light

The dreaded engine temperature warning light is a tell-tale sign that your engine is overheating. Possible reasons include a leak in your coolant system or a more serious issue, such as a blown head gasket. This one is red, which means you should stop your car and turn off the engine as soon as possible. If you continue to drive, you run the risk of seizing the entire engine and causing permanent damage.

Oil warning light

Of all the car dashboard warning lights that can appear, the oil symbol is one of the most common. Best case scenario, your oil is running low and needs to be topped up. This is an easy fix if you’re near a petrol station. You’ll need to act fast as your engine needs lubrication to run. Without it you can quickly cause serious damage. If your oil light comes on again a day or so after topping up your tank, it could indicate a more serious issue like a faulty pump or a leak in the system.

Low tyre pressure warning light

The tyre pressure warning light makes it easy to detect leaks and punctures in the earliest stages. Also known as the Tire Pressure Monitoring System (TPMS), this light detects abnormal drops in pressure. You can still drive with the TPMS light on, though it’s best to reduce your speed and be extra vigilant. Pull into a petrol station, when possible, to top up the air or change your tyre if necessary.

Battery warning light

The battery warning light can be a tricky one as it can mean a few things. Ideally, it’s just a prompt to replace your battery. This usually needs to be done every few years anyway. It could also mean your battery isn’t being charged by the alternator, which may indicate a more serious problem like an overheating engine.

Say goodbye to car dashboard warning lights

Hate the wave of anxiety that comes with car dashboard warning lights? It could be time to upgrade your vehicle. Newer cars simply don’t have the same mechanical issues as older vehicles, meaning you’re far less likely to see your dashboard light up like it’s Guy Fawkes night.

If you’re thinking about upgrading to a more reliable car, we’re here to help. Say goodbye to car dashboard warning lights and use our tailored car finance solutions to secure your dream ride. We’ll match your application with a wide range of lenders to unlock the best rates and maximise your chances of success, even if you’re worried about car finance poor credit.

If you’d like to learn more about the services we provide, get in touch with our friendly team on 01246 458 810 or at enquiries@mycarcredit.co.uk.

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My credit rating

X monthly repayments of
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Total payable

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*for illustration purposes only

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Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

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What Causes Car Depreciation – And How Can You Avoid It?

Cars depreciate over time. It’s a fact. But did you know that depreciation isn’t completely out of your control? You can’t stop the clock. But you can be proactive when it comes to minimising depreciation. So, how can you avoid wiping value off your car? Read on as we dig a little deeper into what causes car depreciation, and how you can avoid it.

Smoking in your car

If there’s one thing that instantly turns off buyers, it’s the smell of stale cigarette smoke. Smoking isn’t just bad for your health. It can also wipe thousands of pounds off the resale value of your car. Lighting up in your car can knock a huge £2000 off the sell-on value. Like walls, furniture and clothing, smoke lingers on car upholstery and is instantly noticeable to prospective buyers.

Sometimes it’s possible to remove the smell using specialised equipment, though this can easily cost hundreds of pounds. But, in many cases, it won’t budge. Smoke can also infiltrate the air conditioning system and be extremely hard to flush out. Whether you’re thinking about selling your car privately or trading it in at a dealership, smoking is a guaranteed way to drag down your asking price and fast track car depreciation.

Scrimping on maintenance

From regular oil and coolant changes to routine washing to protect the paintwork and prevent rust, maintenance is a must when you own a car. As well as keeping your ride safe and reliable, staying on top of maintenance is one of the best ways to minimise depreciation.

When it comes to buyer peace of mind, a good service history can significantly boost the resale value of your car. Similarly, a lacklustre service history can wipe off a big chunk of your asking price. Remember to keep comprehensive records of every service or repair your car receives, even if it’s something simple like a filter change.

Not using manufacturer recommended parts

From alternators and air filters to radiators and clutches, cars often need replacements. That’s especially true when they start to age. Using manufacturer recommended parts is a good way to minimise car depreciation. While some mechanics will always use manufacturer recommended parts, others may suggest cheaper alternatives. It’s generally best to stick with parts recommended by the manufacturer. This will not only help your car run better but also helps position you as a reliable owner.

A bold paint job

While colours like hot pink and neon orange will stand out on the motorway, they’re not to everyone’s taste. Giving your car a bold paint job will usually fast-track car depreciation, unless you happen to find a buyer that loves lime green as much as you do. As a general rule, it’s best to stick with classic car colours if you want to minimise depreciation.

Dogs riding shotgun

Are you wondering what causes car depreciation? Like cigarette smoke, pet odours can linger long after your dog has left the vehicle. If you love to take your pup to the river, lake or beach, that ‘wet dog’ smell can be incredibly hard to banish. As well as being unpleasant, pet odours can give potential buyers the impression that your vehicle isn’t well cared for.

If you use your car to transport a pet, it’s best to invest in a seat protector. This will help to keep the upholstery looking and smelling fresh. Use a high-powered vacuum to clean up any pet hair and be sure to regularly wipe down the interior of the windows if you have a drooler on your hands!

Stacking the odometer

What causes car depreciation to skyrocket? Higher than normal mileage. Short trips can quickly add up and push your odometer over the limit. The typical car will travel around 7000 – 7500 miles per year. So, a two-year old car should have around 14,000 miles on the odometer to be considered in ‘good’ condition. Anything less is considered ‘excellent’ while anything over pushes the car into the ‘overused’ category.

Swapping short trips for a journey on foot or by bicycle is a great way to keep your odometer down. Instead of driving to the shops, why not stretch your legs with a 10-minute walk. Rather than get behind the wheel for your daily commute, why not use public transport? Changing your mindset won’t just help you avoid car depreciation. It’s also a great way to squeeze in your recommended 30 minutes of daily exercise and reduce your carbon footprint. What’s not to love?

Buy second hand

One of the best ways to avoid car depreciation is to buy second hand. Purchasing a pre-owned vehicle means you’ll skip the 15 – 35% drop in value that most cars experience in the first 12 months. Over the next three years, many cars lose 50% of their original value. If you want to avoid car depreciation, one and three year birthdays are often the golden number.

Consider car financing

Want to avoid the worries of car depreciation? Why not consider car financing? Instead of buying a car in one lump sum, you’ll sign an agreement that gets you behind the wheel of a new vehicle right away. You’ll make monthly payments, usually for two to four years. With an option such as PCP financing, you have the flexibility to purchase the vehicle with a balloon payment at the end of the contract, or exchange or return the car for a new model. This means you won’t have to worry about selling the vehicle yourself.

Affordable car financing for your new car

As discussed, car depreciation isn’t completely unbridled. With a better understanding of what causes car depreciation, there are some easy things you can do to maximise the value of your car. That includes finding the right car financing.

Thinking about buying a new or second-hand car? If you’re wondering “how much car finance do I qualify for?”, you can use our handy calculator to find out how much car financing you could be entitled to.

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My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

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What to Expect on Your First Driving Lesson

Learning to drive is one of life’s major milestones. But if you’ve never sat in the driver’s seat before, it can feel overwhelming. Feeling nervous before your first lesson is totally normal, and your instructor will expect it. That said, there are ways that you can soothe those nerves, and one of the best ways to do so is by knowing what to expect on your first driving lesson.

How to prepare for your first driving lesson

It’s sensible to ensure that you’ve got everything you need before you get behind the wheel. This will help calm any butterflies, and also ensure that you’ve covered all the necessary bases.

Remember to always book with a reputable driving school. Ask around your friends to see how they felt about their instructor, and check for online reviews. Be sure that you can dedicate the time to learning to drive, too – there’s no point stopping and starting lessons, as inconsistent practice won’t help develop your confidence or driving proficiency.

Have a provisional licence

Your instructor will check that you have a provisional licence before you set off. These can be applied for on gov.uk, where you’ll fill out the online form before waiting for the licence to arrive in the post.

Get familiar with The Highway Code

You’ll have to pass a theory test before you can take your practical test, and getting familiar with The Highway Code from as early as possible is a great way to give yourself the best possible start. By knowing the legal obligations drivers are required to follow, as well as being confident on road and driving safety and signposting, you’ll be in a better position to nail your driving lessons and theory test.

Be sensible

Consider what you’re going to wear to your lesson. Don’t wear high heels or flip flops to drive, and ensure that you’re comfortable.

It also goes without saying that you should be well rested, wear your glasses or contact lenses (if required), and never be hungover.

What to expect on your first driving lesson

Once you’ve got yourself ready for your first driving lesson, it helps to know what to expect.

It’s completely normal to feel nervous about it all – your instructor will expect this. They are there to guide and support you. And don’t forget that they have their own set of foot pedals, too, so they can always help with the fundamentals like braking and clutch control if you need it. All professional driving schools use dual controlled cars – don’t take a first driving lesson in a vehicle that doesn’t.

When it comes to driving, practice makes perfect, and you’ll find yourself improving in your ability and confidence over time.

You’ll go somewhere quiet

Your instructor won’t expect you to drive from the get-go. They will check your eyesight by asking you to read a number plate, as well as your provisional licence. From there, your instructor will drive you to a quiet road where you can familiarise yourself with the fundamentals.

You’ll learn the cockpit drill

You’ll need to learn how to adjust items like your seating, steering, mirrors, and headrests so that you are supported, have easy access to controls, and a clear view of the road.

From there, you’ll likely be guided through the car’s functions, becoming more familiar with how to use the handbrake, gears, steering wheel itself, and the clutch. You’ll likely also be introduced to basics like use of your windscreen wipers and the car’s heating and cooling systems.

You will drive safely

Getting to grips with clutch control and use of the brakes and accelerator is best done via practice. Your instructor will encourage you to take your first drive – but don’t worry, you won’t be hitting any high-pressure roads just yet. You’ll learn how to safely move off and stop, and may use the ‘Prepare, Observe, Move’ routine.

You’ll probably stall, but don’t be embarrassed. It’s your first lesson, and making mistakes is natural. In fact, recovering in a safe, secure manner from a stall is a critical step in learning to safely drive.

Finance your learner car with My Car Credit

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Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

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If you’re a learner driver, you need to be able to handle a hill start. In fact, even if you’re experienced behind the wheel, it’s wise to refresh your knowledge about how to do a hill start. So, what is a hill start – and how do you do it?

What is a hill start?

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If you’ve changed address recently and are a UK driver, you need to update the address on your driving licence to avoid a hefty DVLA fine. Failing to do so may cost you £1,000.

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Theory vs practical test

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From seatbelts and airbags through to technological safety features like lane assist and cruise control, today’s level of vehicular safety has been achieved through several key advancements.

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