Motoring Advice Archives

Car Won’t Start in the Cold? Here’s Why…

When temperatures start to drop, your car may well be impacted. Read on for the three most likely reasons why your car won’t start in the cold, as well as preventive steps you can take.

Why is your car not starting in the cold?

Battery

If your car won’t start in the cold, it’s most likely a battery issue. When the mercury drops, the chemical processes that your car relies on to operate will slow the battery down, as they require more electrical current. Higher usage of elements like your car lights and heater during colder weather will strain a car’s battery, as will the fact that oil flows slower in colder weather as it becomes more viscous.

You’ll know if your battery is flat if you hear a whining noise when you turn the key in the ignition. However, if the battery is completely flat, you’ll likely find that ignition lights and centralised locking systems fail.

How to solve/prevent a flat battery

You’ll need to jump start a flat battery – but never attempt this on a frozen battery, as they can explode. You should always wear protective gear and use jump cables.

Check your battery leads if your car won’t start in the cold. If you can see a thick, salt-like substance, they’ve corroded. You can clean these with a mixture of baking soda and water – but only ever do so once you’ve disconnected your cables.

If your battery is over three years old, it’s probably worth replacing it, as older batteries tend to drop their charge far quicker. In the meantime, it’s worth regularly charging your battery during colder months, particularly if your battery is older and you frequently make short trips.

Similarly, changing and checking your vehicle’s oil levels can help keep the battery optimised – you may even need to change over to a winter-appropriate oil during colder months. But always check your vehicle manufacturer’s recommended oil viscosity rating before doing so.

Car fuel system

Colder weather can cause condensation to build up in your car’s fuel tank, and this moisture can enter the fuel lines. If it freezes, the fuel lines will then block, preventing the engine from running entirely.

You’ll know if this has happened because the car’s engine won’t start. Otherwise, it will probably be very jerky to drive, and may even cut completely whilst driving.

How to solve/prevent issues with car fuel systems

Keeping the car’s fuel tank close to full can help to reduce the risk of condensation. You can also add fuel line antifreeze to your car, which helps to prevent this from happening, and generally ensures that your fuel system is well maintained.

If you suspect problems with your car’s fuel system, you may need to get it professionally flushed. You can also try warming the fuel lines by wrapping them in hot towels and placing a bowl of hot water underneath the fuel tank, which should help to un-freeze any ice particles.

Alternator or starter motor

Your alternator is what generates electrical power in your car, charging your car’s battery whilst the engine is running, and the starter motor uses electricity to kickstart your car’s engine. Even if your car’s battery is brand new, if your alternator or starter motor is shot, your car probably won’t start in cold weather.

If your headlights and dashboard lights flicker, or you notice a burning smell in the cabin, your alternator is most likely faulty. Similarly, if your engine dies after jump starting the car, there’s a problem with the alternator.

If your car’s electrical and lighting system are working, but the engine is refusing to turn over and start, this indicates a problem with your starter motor.

How to solve/prevent issues with the alternator

Reducing stress on the charging system – meaning that you reduce usage of electrical devices and accessories like the radio/MP3 systems and heating – can help with the alternator.

You can check the voltage output of your alternator with a multimetre, but if there is an issue with either your alternator or starter motor, they’ll need to be replaced. This is a fairly complex process and will need to be performed by a professional mechanic.

Find finance in the colder months

If you’re looking for a new car to get you through the winter months, don’t forget to use our car loan calculator to find out what kind of finance you may be viable for. Alternatively, contact us on enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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

10 Cold Weather Car Problems – And How to Solve Them

Winter is on the way and to help you prepare, we’ve put together a roundup of the most common cold weather car problems. No matter how new your car is, many of these issues will often pop up. The good news is, we’ve also got solutions! Read on to find out more about the 10 most common cold weather car problems and how to fix them.

1. Frozen windscreen wipers

Icy conditions can leave many motorists struggling with frozen windscreen wipers. This is especially problematic in the mornings when the wipers can stick to the windshield and refuse to budge. Forcing them can tear the rubber wipers and damage the electric motor that operates them – not to mention scratch your glass windscreen.

Problem solved

Keep a can of de-icer on hand and give your windscreen a good spray before jumping into the driver’s seat. Another good solution for this cold weather car problem is to invest in winter wiper blades.

2. Spark plug failure

When temperatures dip, your spark plugs can take a hit. This means they can’t generate the combustion needed to start the engine, which will leave you high and dry. It’s one of the most common cold weather car problems, but luckily, it’s easy enough to fix.

Problem solved

Check your spark plugs before winter arrives and replace them if necessary. Don’t wait until you turn the key and your engine doesn’t start. Chances are, this will happen on the coldest and most inconvenient day of the year.

3. Chilly interiors

There’s nothing quite as uncomfortable as getting into a freezing car, only to find that your heating has packed in. This is one of those cold weather car problems that many people are all too familiar with.

Problem solved

A faulty thermostat is one of the most common culprits for this issue. Other possibilities include a clogged heater core or a drained antifreeze canister. Depending on how confident you are with cars, you can check these yourself or book your vehicle into the mechanic for a checkup.

4. Dead batteries

Batteries can be especially problematic in the winter, with most losing around 35% of power when temperatures drop to 0°C. In extremely cold conditions of -17°C or lower, batteries can lose up to 60% of their power. Pair this with the fact that kickstarting engines in cold conditions can drain up to 50% more energy, and dead batteries are one of the most common cold weather car problems.

Problem solved

Unless your battery is less than one year old, it’s best to get it tested before winter weather rolls in.

5. Frozen parts

Batteries and spark plugs aren’t the only things that can cause your engine to lie dormant. Issues like frozen petrol in the fuel line and viscous engine oil can prevent your car from turning over.

Problem solved

If you don’t have access to a warmer location to park your car overnight, such as a garage, an engine block heater can be a good solution for this cold weather car problem.

6. Deflating tyres

Cold weather can cause your tyre pressure to be all over the place. To be more specific, a drop of around 12°C can drain around 1 PSI. If your pressure falls too low, it can compromise things like handling and traction.

Problem solved

Checking your tyre pressure regularly is the best way to stay on top of PSI in the winter. Another option is fitting your car with winter tyres.

7. Wheelspin

Speaking of wheels… Slippery road surfaces can make driving far more challenging in the winter.

Problem solved

Check your tyre tread before December. Avoid driving in icy conditions if possible, and if you must get behind the wheel, stick to a low speed and a high gear to improve grip. Maintaining a 10-second gap between cars in front of you is also essential.

8. Corrosion and rust

Corrosion can leave many motorists feeling salty about winter weather… literally. While salting the roads helps to melt snow and ice, it can also take a serious toll on your car. As well as corroding external parts, salt can also infiltrate the engine and damage components. This is one of those cold weather car problems that affects motorists across the country.

Problem solved

Wash your car regularly throughout the winter. Even a quick hose down can wash away salt and help keep your car in tip top condition. Don’t forget to give the undercarriage and wheel wells a good spritz!

9. Frozen lock mechanisms

Heavy rain followed by a sudden drop in temperature can wreak havoc on car locks. Water can freeze in the mechanisms, which can prevent motorists from unlocking their doors. Talk about annoying!

Problem solved

Grab your can of de-icer and give the lock a quick spray. Another option is hand sanitiser. Never try to force a key, as this can lead to even more damage.

10. Dodgy handling

Unfortunately, many older cars just don’t offer the same responsive handling as newer models.

Problem solved

Sometimes the best solution is simply to upgrade to a newer vehicle – and there are plenty of fantastic options for winter driving. When it comes to snow, the Suzuki S-Cross is a sturdy family SUV with loads of room for all your winter jackets, ski gear and more. It’s also packed with advanced safety features, which make driving in challenging winter conditions a whole lot easier.

For all-electric models, we’re seeing lots of interest in the Volvo XC40 Recharge. This compact SUV offers an electric range of almost 260 miles, plus all the top-tier safety features you expect from the Swedish brand.

If you’re on the hunt for a hybrid, the Honda HR-V is more than capable of taking on wild winter weather. Little luxuries like heated seats will keep you cosy all winter long. It also features intelligent technology, like automatic wipers that detect the first drops of rain. Perfect for the drizzly British winters!

Upgrade your wheels this winter

Are you thinking about upgrading to a new set of wheels for the winter? We can get you into the driver’s seat of your dream car with competitive finance options, tailored to you.

Whatever you’re thinking of buying, we can match your application with lenders from our extensive panel. We work with a large variety of lenders, which gives you the best possible chance of success. What are you waiting for? Give us a call to find out more about car finance and get the ball rolling. Or check out our car finance calculator to determine exactly how much you can borrow.

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Evolution Funding Ltd T/A My Car Credit

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How Does PCP Work at the End of the Term?

Check for car finance without affecting your credit score

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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Winter Car Prep: 10 Tips to Prepare Your Vehicle

The colder seasons bring greater challenges for vehicles, with sharp increases in breakdowns. Performing key winter car prep is one way to safeguard against such a breakdown – and these are our ten tips for winterising your car.

Winter car prep: 10 things to check

Battery

Checking your vehicle’s battery is the most important part of winter car prep. The RAC reports dealing with over 400,000 battery-related faults every winter, so doing your due diligence in advance will help to prevent your vehicle making this list.

Cold temperatures and higher usage of elements like your car lights, heater and blower all strain a car’s battery, making it harder for the engine to turn over.

Car batteries have a standard life of five years. If yours is struggling to power your car even in warmer temperatures, it probably needs changing.

Tyres

Having tyres in good condition is vital year-round, but it’s also the next most critical step in winter car prep after checking your battery.

The legal minimum tread depth for tyres is 1.6mm, but it’s worth upgrading to winter tyres during colder months, which have a greater depth of 3mm and offer more traction and grip.

Check your tyre pressure too, as this is what keeps the tyres connected to the road, which is critical during icier periods.

Antifreeze

Antifreeze keeps the water in your vehicle from freezing over, which is vital in colder months. Without it, you can end up with either a frozen engine or an overheated vehicle.

Although a car’s coolant is a sealed system, it’s nonetheless worth checking as part of winter car prep. Use an antifreeze tester, which are widely available at garages, in order to check how effective your antifreeze is, and top it up if your levels are looking low.

Windscreen wipers

You need your car’s windscreen wipers to be up to scratch in the cold.

Run your finger along your windscreen wipers to check that there aren’t any tears, as these will reduce the efficacy of your screen wash. If your wipers get frozen to your windscreen, use either de-icer or warm water – never boiling water! – in order to detach them. Don’t try to operate your car if the wipers are frozen to the windscreen, as you may end up blowing a fuse.

Screen wash

During the winter, there’s more wet weather, which results in more dirt and road salt hitting your wind screen.

Ensure that you have enough screen wash available – and that it is effective in lower temperatures and won’t freeze over. This will keep your wind screen clear, otherwise you risk accidents if you drive with grubby glass.

Lights

Your headlights are how you see and can be seen, especially on dark winter nights. They often get dirtier during the colder months, so take care to clean and check your lights regularly in order to prevent this build up.

It’s wise to carry spare bulbs if you can, and to be comfortable with changing them, too.

Carry an emergency kit

It’s wise to carry an emergency winter kit in your car during colder seasons. Having a bag containing items like a high-vis vest, a shovel, tow rope, torch, de-icer, hazard warning triangle, and first aid kit is sensible.

Breakdown cover

Sometimes, no matter your winter car prep, things go wrong. Ensure that your breakdown cover is up to date and that you have the relevant details plugged into your phone before headed off on winter car journeys.

Oil and fuel

Confirm that there’s enough fuel in your vehicle before departing on any journey – it’s a basic winter car prep step, but an important one. It’s also wise to check your oil levels too, so you can avoid a winter breakdown or engine damage.

Take your vehicle in for a winter car service

If you don’t feel confident winterising your vehicle, you should take it in to be checked by a professional. In fact, you may even be able to take advantage of discounted winter car checks in the lead up to the season.

Don’t forget that keeping your car maintained throughout the year is also a great way of ensuring it’s in the best possible condition once the temperature drops.

Finance your perfect winter car

If you’re looking for a new vehicle that’s safer for the winter months, establish your car finance eligibility by contacting the team at My Car Credit today. We’ve also got a whole host of other articles, including more motoring advice, for you to read.

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Evolution Funding Ltd T/A My Car Credit

How Long Does It Take to Buy a Car?

Financing a Second-Hand Car: 4 Options

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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How Often Should You Replace a Car Battery?

Car batteries are the silent powerhouse of your vehicle. It’s easy to forget how important they are to the proper functioning of a car, and, as such, batteries are often left unattended for years, resulting in their diminished lifespan.

It’s worth establishing whether or not your battery is in a good state prior to hitting the road, particularly if you have a longer journey planned. Flat batteries are a common reason for roadside assistance being called out, because it’s often not obvious that they’re beginning to fail until it’s too late. No one wants to find themselves stranded on the hard shoulder of a motorway, so always check your battery before you leave!

So, how often should you replace a car battery? This article aims to address the question of how often to replace car batteries in cars powered by petrol or diesel – that is, non-electric and non-hybrid vehicles. The rules for either electric or hybrid batteries will vary.

How often should you replace a car battery?

Provided that you take proper care of your battery and send your car in for a regular service, it should last for anywhere up to five years, with four as an average. After four years, it’s wise to keep an eye out for signs that your battery may need replacing.

Batteries can start to fail in as little as three years. It really depends on how you’re caring for them and for the car more broadly, as well as how much use the car is being subjected to overall.

Factors like temperature changes, the length and frequency of car journeys, vibrations caused by rough travel over complex terrain, and use of accessories like smartphones and sophisticated on-board computers can all impact the life of a car battery. You should also avoid mistakes like leaving the car’s lights or air conditioner on while the vehicle is switched off.

How to tell if your car battery needs replacing

You can typically tell that your car battery may need replacing by the following signs:

Dimmed or dimming headlights
Dashboard warning signals
Frequent loss of power to electrics (windows, heaters, etc.)
Difficulty starting the car, with more revving required

The best time to gauge whether or not your battery is fit to work is just after turning the vehicle on. Otherwise, your engine will provide enough charge for your battery to function – even if it’s defective and worn out.

You can purchase electronic battery testers at auto parts stores like Halfords. These will provide you with a reading of your car’s battery life, and you should aim to perform this prior to taking any long journey, so that you can be sure your battery is in working order before setting off. Alternatively, request that your garage check your battery’s state when you send your car in for a service.

Discover affordable car financing with My Car Credit

An old car battery is easily replaceable, but if your car is generally past its prime and you plan on trading it for a new one, you may want to find yourself a car loan quote. My Car Credit can help – just contact us on enquiries@mycarcredit.co.uk.

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No Deposit Car Finance – How Does it Work?

Is There a Maximum Age Limit for Car Finance?

Balloon Payments Explained: What, Why & How

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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Which Cars Support Apple CarPlay?

Apple CarPlay is advertised as a kind of co-pilot. If you’re technologically savvy, you likely already know that you can use your Apple iPhone to gain access to your car.

Yep, your iPhone allows you (and pre-approved friends and/or family) to unlock and start your vehicle in much the same way as you would with standard car keys. Apple CarPlay is similarly designed to make life a little easier and – most importantly – safer.

So, which cars support CarPlay? Read on to learn more…

What is Apple CarPlay?

With Apple CarPlay, you can make and return calls, receive and send messages via dictation, listen to music and get directions via the CarPlay dashboard. Essentially, it allows you to safely access your apps even whilst driving. That’s provided you have Apple CarPlay installed in your car, and a phone model that’s an iPhone 5 or later.

If your car doesn’t have CarPlay pre-installed, then you can buy and install it via a system from retailers including Kenwood, Sony and JVC – but only on certain cars that will support it.

Which cars support CarPlay?

It’s worth noting that the list of cars that support CarPlay is constantly evolving as new models are launched. Currently, there are over 600 models to choose from, including those from some of the biggest motoring names like BMW, Audi, Aston Martin, Ford, Ferrari, Jaguar, Mini, Volkswagen and more.

The full list of vehicle models that support CarPlay – either at the present time or in the near future – can be found on Apple’s website. Typically, Apple CarPlay is only available on newer models.

The oldest model on which Apple CarPlay is available is the Kia Soul (2014 – 2021 models). Otherwise, vehicular makes and models available from 2015 onwards that support CarPlay include the Hyundai Genesis Sedan, Azera, and Sonata; the Kia Optima, Optima Hybrid, Sedona, and Soul EV; the LDV G10; and the G10 model from the car company Maxus. You won’t find a car that dates from before 2014 which can support Apple CarPlay, according to Apple’s own website.

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Car Finance: A Complete Guide

Leasing vs Finance: What’s the Difference and Which is Better?

Can I Give My Car Back to the Finance Company?

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 is a Digital Dash – and Is It Worth It?

The car market keeps evolving at an increasingly fast rate. From self-driving vehicles to cars with integrated face recognition, it seems like there’s a brand-new innovation every other week. One of these innovations is the digital dashboard – often abbreviated to digital dash. But what is a digital dash exactly?

Traditionally, car dashboards feature analogue clusters with gauges and lights that convey vital information to the driver. Most classic dashboards include the same things – a fuel gauge, a speedometer, a tachometer, warning and information lights and an odometer. This compact cluster is still an essential component for digital dashboards. So, what has changed?

Digital dashboard vs classic dashboard

Although the Aston Martin Lagonda was the first car to have a truly digital dash in the late 70s, it wasn’t until the 21^st century that digital dashboards became commonplace. Before then, only luxury cars such as the Mercedes S-Class had digital dashboards. But that has changed. These days, you can even fit a classic city car like the Ford Fiesta with a digital dash.

So, what is a digital dash’s main benefit? That’s simple – it’s often completely customisable, meaning that you choose the information you want to see. For example, some digital dashboards include real-time information on a car’s engine, motor and battery. Other drivers prefer to prioritise fuel economy and customise their digital dash so it shows savvy gas-saving tips.

Since you can configure your digital dash to display sat nav instructions, this innovation has made things easier for drivers with a poor sense of direction. Unlike traditional sat navs, this allows drivers to make sure that they’re on the right path without taking their eyes off the road.

Is a digital dash worth it?

In the end, the answer to this question comes down to personal preference. For some drivers, digital dashboards with too much information can be a dangerous distraction. For others, it’s merely a question of looks. Some drivers just happen to prefer the retro feel of a classic dashboard and value that over the convenience of a digital dash.

That being said, a digital dash is a highly recommended add-on if you drive an electric car. In fact, most EVs these days will include a digital dash as the standard option. Why is this? Because, more so than petrol cars, EVs demand drivers to keep an eye on their car’s range and battery consumption at all times. A digital dash can show how many miles you’ve got left and where your nearest charging point is.

So, if you drive an EV, make sure you get a digital dash. It really is a no-brainer.

Helping you drive the car of your dreams

Not sure if your credit score is high enough to finance the car you’re looking for? Don’t worry. With our car finance checker, you’ll be able to find out whether you’re able to afford your car – and all without affecting your credit score.

Want to know more? Ring us on 01246 458 810, or email us at enquiries@mycarcredit.co.uk.

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How Many Years in a Car Loan Term?

How Long Does It Take to Buy a Car?

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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Should I Keep My Car Until It Dies?

Purchasing a car is expensive, which is why people can opt to drive vehicles into the ground before upgrading. But if your car is on its way out, is it worth persevering until it dies?

Should I keep my car until it dies?

There’s no simple answer to this question. Whether or not you should keep your car until it dies is entirely dependent on your circumstances, as well as these factors:

Fuel

Many modern cars are far more fuel efficient than their older counterparts. A good rule of thumb is to assume that a fuel efficient car will cover 50 to 60 miles per gallon. If your vehicle is significantly below that and you regularly make long journeys, then there will likely be upgrades that you could make to save yourself serious cash – particularly given rising inflation and cost of living. In this case, it may be time to consider whether it’s worth trading in your old car for a more efficient one.

Repairs

If you’re regularly paying more on repairs than the car is worth, this is similar to being in negative equity, and it’s probably worth reconsidering whether or not the vehicle is worth keeping.

Your finances

If you’re asking yourself, “Should I keep my car until it dies?”, you should consider your financial situation carefully. You may not be financially able to purchase a new vehicle, particularly if your credit score is poor.

But there are ways of securing car finance that’s affordable and accessible. In fact, My Car Credit can work with drivers looking for car finance with a poor credit rating, and will help you to find a deal that suits your needs.

Find your dream car finance today

If you’ve got questions about how to secure affordable car finance, contact My Car Credit on enquiries@mycarcredit.co.uk. Our friendly team is on hand to address any concerns and answer any questions you may have.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

How Many Years in a Car Loan Term?

Bank Loan or PCP: Which is Right for You?

PCP: Is It Worth It?

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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How to Find Out the Service History of a Car

Clean engine thanks to full service history

Whether you’re shopping for a lightly used Mercedes or a Mini with almost 200,000 miles on the odometer, the service history of a car can be a valuable asset. As a potential buyer, you can unlock insight into how well the car has been looked after over its lifetime. This can give you an idea of what to expect in terms of performance and the cost of future repairs.

According to a leading automotive parts and repair service provider, almost 50% of car owners maintain they wouldn’t purchase a used vehicle without a complete service history. The remaining 50% said they would expect a discount of around 20% on vehicles without a complete service history.

It’s clearly an important decision-making tool and rightly so. Want to know more? Read on for our complete guide on how to find out the service history of a car.

What is the service history of a car?

A service history is a fingerprint of all the services that have been completed on a vehicle over its lifetime. This includes a variety of general services, including tyre changes and brake fluid replacements.

Is it legal to sell a car with no service history?

Yes, in the UK it’s completely legal to sell a vehicle with no service history. For example, an individual or dealership can sell a 25-year-old car with no proof of repairs or services. However, as a buyer it’s your responsibility to understand the risks and do everything you can to make a smart, informed decision.

What is a Full Service History of a car?

A Full Service History (FSH) proves that a vehicle has been maintained according to the service schedule set by the manufacturer. Usually, this involves a general service every year or every 12,000 miles.

All servicing and repairs should be backed by official documents, either from a manufacturer-operated garage or an approved service centre.

A full service history of a car is always coveted as it proves the vehicle has been well looked after.

The role of a service book

Most new vehicles are sold with a service book designed to help owners keep track of general maintenance. After every service, the book should be stamped by the mechanic. It’s worth noting that many cars manufactured within the last five years have swapped paper service books for digital copies. This is designed to make it easier to keep track of the service history of a car.

What is a Full Dealer Service History?

A Full Dealer Service History (FDSH) applies to vehicles that have consistently been serviced by manufacturer-operated garages. Also known as a Main Dealer Service History (MDSH), this guarantees the vehicle has always been serviced by an expert. Some people consider a FDSH to be the gold standard while others don’t give it as much weight.

What is a partial service history?

If a service was skipped one year, the vehicle was serviced at a non-approved service centre, or the service book is missing a stamp, a FSH is void. Instead, the car must be sold with a partial service history (PSH).

This isn’t necessarily a bad thing, as cars with a partial service history don’t always have issues. However, you have no way of knowing how well the car has been serviced over the years.

How can I find the service history of my car?

The easiest way to find out the service history of a car is to look at the service book. Of course, this isn’t always an option. Service books can be lost, misplaced or withheld on purpose. If you find yourself in this situation, you have a few options:

Ask the owner to contact the regular service provider

Most service providers keep detailed records of services and repairs. If the owner knows what mechanic the car is usually taken to, they should be able to pull up records.

Contact the Driver and Vehicle Licensing Agency (DVLA)

The Driver and Vehicle Licensing Agency is a great resource when it comes to tracking down the service history of a car. On the DVLA website, you can use the V888 form to request information about the previous owners of a vehicle. As long as you have a ‘reasonable cause’ for making the request, the DVLA may be able to supply their contact details, which you can use to get in touch with the previous owners and request more information about the service history of a car. There are no guarantees you’ll find out any useful information but it’s always worth a try.

Watch out for forged FSH

Sellers know the value of a FSH and unfortunately, some choose to forge documents to secure a higher price. Despite clampdowns, fake service histories are all too common in the UK. If you have any suspicions about the service history of a car, it’s worth contacting the listed service provider to confirm the information is genuine.

For cars less than three years old, service records should be stored by the manufacturer on a central database. A quick call to your local manufacturer-operated service centre should be all that’s needed to confirm the FSH is legitimate. Another good tip is to ask to see receipts, invoices and paperwork, rather than blindly trust the service book. This should help establish authenticity and give you peace of mind.

The bottom line on accessing a service history

Ultimately, there’s no one-click solution when it comes to accessing the service history of a car. Instead, you need to take the initiative as a buyer and put in a little groundwork. With a few calls and questions, you can unlock valuable information about the condition of a vehicle.

Now you know more about how to find out the service history of a car, it’s time to start shopping for your new set of wheels. Budget is a big factor for most buyers, which is where our car loan calculator steps up. With just a few clicks, you can crunch the numbers and get a clear idea of what price range to browse and what to expect in terms of repayments.

For more information, get in touch by email or give us a call on 01246 458 810.

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Evolution Funding Ltd T/A My Car Credit

Am I eligible for car finance?

How Much Car Finance Do I Qualify For?

How to Get Car Finance with Poor Credit

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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How to Save Money on Car Insurance

Man on phone trying to save money on car insurance

Between rising petrol prices, soaring inflation rates and a myriad of other factors, running a car in the UK has never been more expensive. Many motorists pay more than £3000 a year to run a vehicle, a figure that underscores the importance of pinching pennies where possible.

Car insurance presents one of the best opportunities to save, with healthy competition between providers working in the favour of motorists. It does take a little groundwork, which is why we’ve put together an insider’s guide covering everything you need to know about how to save money on car insurance.

How much does the average Brit pay for car insurance?

According to the Association of British Insurers, the average motorist spends more than £400 per year on car insurance. Premiums can vary enormously depending on the type of car you drive, as well as your preferred excess. One thing’s for sure, there’s definitely room for improvement. Below we list the top strategies for how to save money on car insurance:

Drive a less powerful car

We get it. It can be very tempting to get behind the wheel of powerful cars like the Mazda MX-5, BMW M3 and Lexus LC Convertible. Even hatchback drivers enjoy serious horsepower thanks to models like the BMW M135i and Audi S3 Sportback. If you’re on a budget, models like the Ford Focus RS promise serious power, without an eyewatering price tag. That said, insuring powerful cars does come at a cost. This is because most insurers factor in how powerful your car is when putting together a policy. Generally, cars with more power are more expensive to insure.

Understand insurance groups

Most insurers assess applicants based on a variety of factors, then place them in one of around 50 groups. The power of the model is one of the most important factors used to categorise applicants, however other factors such as age, average cost of parts and repairs, safety features, security and bumper compatibility also come into play.

A rating panel fronted by organisations such as the Lloyds Market Association, Association of British Insurers and Thatcham Research sets the standards for each group. Driving a car that falls into one of the lower groups is a guaranteed way to save on vehicle insurance. For example, models like the Citroën C1, Fiat Panda and Hyundai i10 fall into Group 1 as they have small engines, readily available parts and are inexpensive to purchase new.

Higher up the scale in Group 10 are models like the Mercedes-Benz A-Class and Ford Focus C-Max. At the highest end of the scale, you’ll see luxury, ultra-powerful models like the Audi A6 and Alfa Romeo Stelvio. Motorists can expect to pay big premiums as vehicles of this calibre are fast and expensive.

So, you can save money on car insurance simply by driving a car that falls into a lower group. If you’re in the market for a new car or are considering switching to a less powerful model, get started and use our calculator to get a car finance quote in minutes.

Consider your no-claims discount

Insurers reward policyholders for safe and responsible driving. Unfortunately, this also means you may be better off paying out of pocket for small issues like fixing a scratch or replacing a broken window. This is because the cost of making a claim and forfeiting your no-claims discount may be higher than covering repairs yourself. It’s not always the case but it’s worth keeping in mind.

It’s always best to crunch the numbers and chat to your insurer before making a claim. They can help you decide what the best move is in terms of how to save money on car insurance.

Put less miles on the odometer

When it comes to saving on car insurance, driving less is one of the best ways to bring down your premium. Insurers assume that the less you drive, the lower the risk of a claim.

Opt for fully comprehensive cover

Insurance companies are smart and love to factor trends and patterns into their decision making process. Often, opting for a higher level of cover such as fully comprehensive will cost less than alternatives like third party only or third party plus fire and theft. This is because insurers know that people who choose low-coverage policies often make more claims. So, when browsing car insurance deals, it’s always best to compare fully comprehensive cover with other options.

Pay an annual premium

If you can afford to cover the cost of an annual premium, you could unlock great savings compared to monthly payments. You’ll sidestep the interest that insurers often build into monthly payment plans which can translate to significant savings.

Consider skipping extras

Many insurers tempt motorists with extras like windscreen coverage and the use of courtesy cars during repairs. These types of extras are convenient but can come at a cost. If you’re wondering how to save money on car insurance, skipping extras can be a savvy move.

As we mentioned earlier, many motorists find that the cost of making a claim for a minor issue like a cracked windscreen isn’t worth losing the benefits of a no-claim bonus. If this is the case, extras that cover minor issues may not be worth it. The best thing to do is assess your insurance policy carefully and decide what you really need.

How much can I expect to save on car insurance?

Using a combination of the above strategies, the average motorist can expect to save anywhere from £50 to £300 pounds on car insurance. Of course, there are no guarantees and the policies you’re eligible for will ultimately determine how much you can save on car insurance.

Want to know more about how to save money on car insurance? Give us a call today to chat to a friendly and experienced team member about unlocking savings. Every pound counts, and we’re here to help you get the absolute most out of your insurance policy. Get in touch by email or give us a call on 01246 458 810 to find out more about how to save money on car insurance.

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Evolution Funding Ltd T/A My Car Credit

What is a Guarantor Loan?

What is the Oldest Car a Bank Will Finance?

Electric Car: Lease vs Buy – Which is Best?

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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A Beginner’s Guide to Electric Car Insurance

Electric cars are growing in popularity. As of May 2022, around 77,000 new EVs have been registered in the UK this year, of which about 39,000 were in March alone.

It may be that you’re looking to upgrade to an EV (electric vehicle) for your next car, in which case, you’re going to need to wise up on the still relatively new electric car insurance. This article is here to address any questions that you may have.

Do insurers cover electric cars?

Most significant insurance companies – think Aviva, Direct Line, and Admiral – do cover electric cars. However, if you find that your go-to insurer doesn’t offer premiums on EVs, then you may be able to research specialist electric car insurance companies instead.

Be aware that insurance for electric cars may be more expensive than that for non-EVs. This is because electric cars have greater specialist components and servicing costs.

However, with the coming 2030 petrol ban, as well as the rising number of EV buyers, insurance for electric cars is falling – and is only likely to fall further.

Why can an electric car be more expensive to insure?

There are a number of reasons why EVs may be more expensive to insure than conventional vehicles. EVs have specialist parts and expensive batteries. As such, they need to be serviced by specialist mechanics, all of which drives the cost up.

However, it’s important to remember that you will benefit from gas and tax incentives with an EV, and could even take advantage of government grants that reduce the total cost of eligible vehicles by £1,500.

What extras can you secure on an electric car insurance policy?

Car insurance for EVs will offer standard coverage for incidents like accidents or breakdowns, but you may also want to see if your policy can cover items like batteries and charging cables.

EV insurance that covers batteries and portable charging cables and/or adaptors will typically safeguard them against accidental damage, fire and theft while in the car, in use at a garage or at home. If you lease your battery on a separate contract from that of the vehicle, you need to advise your insurance provider too, as this may impact any claim you might open.

You may also want to investigate what kind of legal coverage your policy offers, for example, in case someone trips over your charging cable whilst it’s in use and injures themselves. These issues are complicated, but it’s best to establish your liability cover in advance, so that you know what you’re covered for.

Affordable car finance with My Car Credit

If you’re looking to secure an electric car but don’t want to break the bank, contact My Car Credit today. We’ll check your car finance eligibility and help you plot your path toward affordable EV ownership.

Want to learn more about our services? Get in touch with our friendly team today on 01246 458 810 or enquiries@mycarcredit.co.uk.

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Evolution Funding Ltd T/A My Car Credit

PCP Term: Everything You Need to Know

Advantages of Cars on PCP with No Deposit

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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When temperatures start to drop, your car may well be impacted. Read on for the three most likely reasons why your car won’t start in the cold, as well as preventive steps you can take.

Why is your car not starting in the cold?

Battery

How to solve/prevent a flat battery

Car fuel system

How to solve/prevent issues with car fuel systems

Alternator or starter motor

How to solve/prevent issues with the alternator

Find finance in the colder months

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1. Frozen windscreen wipers

2. Spark plug failure

3. Chilly interiors

4. Dead batteries

5. Frozen parts

6. Deflating tyres

7. Wheelspin

8. Corrosion and rust

9. Frozen lock mechanisms

10. Dodgy handling

Upgrade your wheels this winter

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The colder seasons bring greater challenges for vehicles, with sharp increases in breakdowns. Performing key winter car prep is one way to safeguard against such a breakdown – and these are our ten tips for winterising your car.

Winter car prep: 10 things to check

Finance your perfect winter car

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How often should you replace a car battery?

How to tell if your car battery needs replacing

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Apple CarPlay is advertised as a kind of co-pilot. If you’re technologically savvy, you likely already know that you can use your Apple iPhone to gain access to your car.

What is Apple CarPlay?

Which cars support CarPlay?

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Digital dashboard vs classic dashboard

Is a digital dash worth it?

Helping you drive the car of your dreams

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