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Are Winter Tyres Worth It?

If you’re winter-proofing your vehicle to better handle colder temperatures and subsequent driving risks, you’re undoubtedly weighing up the benefits of winter tyres. Let’s take a look at whether or not they’re worth it for you.

What are winter tyres?

If you live in an area where roads become wet, icy and covered in leaf mulch during winter, having tyres designed for these conditions provides greater safety. In European countries like Germany, it’s a legal requirement to change your summer tyres over to winter ones from approximately October to Easter.

Winter tyres are designed to offer the greatest possible traction and grip in colder conditions. They do so by way of deeper grooves and narrow cuts built into their tread.

You can easily distinguish a winter tyre as it will have a ‘3 PMSF’ (a 3-Peak Mountain Snow Flake symbol) on their sidewall. Tyres with ‘M+S’ are also classified as tyres suitable for ‘mud and snow’, but are not subject to the same rigorous testing as the 3PMSF winter tyres.

Are winter tyres worth it?

Remember that if you’re driving your car through Europe in the winter months, you may be legally required to have winter tyres, so always check in advance before planning any road trip. The UK does not have legal requirements for winter tyre use.

When temperatures consistently drop below 7 degrees Celsius, summer tyres are less effective. They have less traction, and your vehicle’s overall stopping distance is therefore longer.

Winter tyres are designed to prevent the build-up of snow and ice on the tyre thanks to their narrow, deep grooves, which also help to reduce the vehicle’s stopping distance. As such, they provide greater grip in colder conditions – whether the weather is wet or dry.

For greater driving safety, security and confidence, if you live in an isolated and remote area, or if the UK is expecting a bout of cold weather, it’s wise to change your tyres over to winter ones. You’ll have greater control and stability, your tyres will respond quicker to braking, and you’re less likely to experience aquaplaning. Overall, then, you’re less likely to have an accident if you’re using winter tyres in cold conditions.

Are there drawbacks to winter tyres?

Winter tyres can be expensive, but it depends on your wheel size, car make and model, and tyre brand. Changing them over can also feel like a faff – particularly if you’re also swapping over to ‘winter wheels’. Plus, you’ll need to pay to store your winter tyres whilst they’re not in use if you don’t have a garage or secure shed.

However, using winter tyres can protect more expensive summer tyres, which may benefit you financially in the long term. Purchasing in the spring when demand drops can be a clever way of grabbing winter tyres at bargain prices, too.

Find winter car finance

If you’re thinking of upgrading your car for the colder months and have questions about your car finance eligibility, contact our friendly team 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

How to De-Ice a Windshield Fast

You may have come across top hacks on how to de-ice a windshield fast, but some of these can damage your car in the process. With that in mind, it’s best to stick to tried-and-tested methods, even if you’re in a hurry. Read on to learn more.

How to de-ice a windshield fast in 4 steps

Ensure your wipers aren’t on

If your wipers have frozen in place and you start the car whilst they’re on, you risk damaging the wiper motor. The rubber could also tear, causing damage to your windscreen.

Turn your engine on

Get your engine going and direct the warm air blower onto your front and rear windscreens. You should also turn the air con on to clear any condensation build-up.

It’s illegal to drive with impaired vision, so no matter how tempting it is, remember not to use your hands to wipe the inside of your windows. You’ll likely leave smears which will impact driving visibility.

Similarly, always stay with your car when you have the engine running. It’s illegal to leave a car unattended on the street. Not to mention an open invitation for thieves -even in your front driveway.

If you’ve got a new car model, your vehicle may have remote heating technology that you can use to defrost from afar. If not and you’re after a car with high-tech solutions for all weathers, you can always secure a car loan quote from My Car Credit.

Clear snow

If there’s any snow on your windscreens, use a soft brush or cloth to clear it. You can also use the same to clear the car’s front grille. And before setting off, ensure that your electricals – most importantly your lights – are working.

Use a scraper and de-icer

Use a proper scraper to remove any ice from your windscreen. Don’t use anything that comes to hand, as they might scratch and damage the windscreen, and your hands may leave smears.

You can also use a de-icing spray or your own mixture (combine one-third water with two-thirds rubbing alcohol) to mist the screen.

What not to do when de-icing a windscreen

Never use hot water

Don’t believe the stories – you shouldn’t use either hot or lukewarm water to de-ice a windshield fast. The water might re-freeze as it makes contact with cold air, causing the windscreen glass to crack or chip. Plus, this newly frozen water will then become another layer of ice, and you’ll be back to where you started.

Avoid other gimmicks or hacks

If you’re in a rush and your windscreen is iced up, it’s frustrating. But you shouldn’t ever try any gimmicks or hacks, as these are more likely than not to cause damage to your windscreen.

Small cracks can become larger ones and result in an expensive replacement. And remember, driving with impaired vision – including smears and streaks – is illegal.

Car finance for your cold weather car

The most up-to-date vehicles have remote heating technology. If that sounds good to you, secure car finance for your dream car today with My Car Credit – contact us on enquiries@mycarcredit.co.uk.

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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!

or call 01246 458 810

cold de-ice frozen windshield winter

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

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PCP Finance Explained – Personal Contract Purchase Guide

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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!

or call 01246 458 810

cold morning starting winter

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 to Refinance a PCP Balloon Payment

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

batteries car maintenance cold spark plugs tyres weather windscreen winter

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.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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

How Does Car Finance Work in the UK?

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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!

or call 01246 458 810

antifreeze breakdown car maintenance cold tyres weather winter

If you’re winter-proofing your vehicle to better handle colder temperatures and subsequent driving risks, you’re undoubtedly weighing up the benefits of winter tyres. Let’s take a look at whether or not they’re worth it for you.

What are winter tyres?

Are winter tyres worth it?

Are there drawbacks to winter tyres?

Find winter car finance

Rates from 9.9% APR. Representative APR 10.9%

Related articles

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Require more help?

You may have come across top hacks on how to de-ice a windshield fast, but some of these can damage your car in the process. With that in mind, it’s best to stick to tried-and-tested methods, even if you’re in a hurry. Read on to learn more.

How to de-ice a windshield fast in 4 steps

Ensure your wipers aren’t on

Turn your engine on

Clear snow

Use a scraper and de-icer

What not to do when de-icing a windscreen

Never use hot water

Avoid other gimmicks or hacks

Car finance for your cold weather car

Rates from 9.9% APR. Representative APR 10.9%

Related articles

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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

Rates from 9.9% APR. Representative APR 10.9%

Related articles

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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

Rates from 9.9% APR. Representative APR 10.9%

Related articles

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Fair

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Require more help?

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

Rates from 9.9% APR. Representative APR 10.9%

Related articles

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