News

A recent survey of 10,000 participants by BookMyGarage found a third of drivers had put off having their car serviced because of financial pressure caused by the pandemic.The survey also found:<ul><li>29% delayed their service because they hadn’t driven their vehicle much during lockdown</li><li>Additional work needed in July rose from 25% to 48%, compared to the previous year</li><li>47% claimed they were concerned about the safety of their vehicle</li><li>38% were comfortable doing maintenance work on their car themselves</li></ul>Drivers who made use of the government’s MOT exemption are now returning to garages resulting in demand for tests rising by over 50% in October, with previously exempt drivers clashing with those whose tests would normally be due.The DVSA predicted garages across the country will see demand start to peak during September and double the number of tests in October and November.Don’t delay essential repairs to your vehicle. ASF allows you to split your repair bill into monthly instalments at no extra cost. To calculate your credit limit and find participating garages in your area click <a href="https://www.autoservicefinance.com/">here</a>.

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A survey of 10,000 participants has shown many drivers are delaying repairs due to financial pressures caused by the COVID-19 pandemic.

Financial pressures put drivers off car servicing | Bumper Blog

Financial Pressures Putting Drivers Off Car Servicing

Congratulations to our Dealership of the Month for May 2022, North Oxford BMW.&nbsp;The team at Oxford BMW have been recognised with this award for providing an outstanding customer experience and using Bumper’s PayLater as a key part of their aftersales process.&nbsp;Since joining the Bumper network in May 2021, the BMW team has received non-stop, 5-star reviews on Trustpilot. Here are a few of our favourites:&nbsp;‘Clayton was excellent. Clear and helpful advice. More good experiences from the North Oxford BMW team. Will recommend.’&nbsp;- BMW Customer&nbsp;‘Very happy with your service works very well for me. thanks’&nbsp;- BMW Customer&nbsp;‘Great customer service'&nbsp;- BMW Customer&nbsp;Well done to Sean, Clayton, Michael and the rest of the team on your win!&nbsp;&nbsp;

The winning dealerships stands with the award

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Bumper’s Dealership of the Month award celebrates the success of our partner garages. This month’s award goes to North Oxford BMW.

Dealership of the Month May: North Oxford BMW | Bumper Blog

May's Dealership of the month: North Oxford BMW

Bumper has appointed Nick Squire as International Sales and Partnerships Manager.&nbsp;Nick will be responsible for strengthening Bumper’s position in Germany and Spain, as well as managing our expansion into further European markets.&nbsp;In his previous role, Squire headed up European and Global autoVHC programmes. With 20 years' experience in the automotive sector, starting as general sales manager at Ilkeston Co-op Motor Group, Nick is the perfect choice to lead Bumper as it takes its next steps into Europe.&nbsp;CCO and co-founder, Jack Allman, said, ‘We’re delighted to welcome Nick Squire to our fast-expanding team to spearhead Bumper’s ambitious growth plans across key European automotive retailing markets.&nbsp;‘Nick brings a wealth of experience to this new position having worked in the UK and international dealer sectors, including many of the markets we are targeting.’&nbsp;Nick Squire said, ‘I’m delighted to be joining Bumper at the beginning of its exciting international journey and introduce new dealer products into new markets.&nbsp;‘There is a huge opportunity to grow Bumper into Europe. Having worked extensively in Germany and Spain my initial focus will be to grow sales in these markets and build partnerships with key strategic partners, OEMs and dealer groups.’&nbsp;<h2 style="margin-left:0px;">About Bumper&nbsp;</h2>Bumper is an interest-free monthly payment option for aftersales purchases. Applications are processed online in just a few clicks and customers receive an instant decision.&nbsp;To find out how Bumper can transform your aftersales department contact our sales team using the <a href="https://www.bumper.co.uk/">partner sign up form</a> on our website.&nbsp;

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Bumper is delighted to announce we have appointed Snap-on's Nick Squire as International Sales and Partnerships Manager to oversee our European expansion.

Bumper appoints International Sales Manager | Bumper Blog

Bumper appoints International Sales and Partnerships Manager 

Aftersales

Whenever you make a big, long-term purchase like a car, ongoing maintenance and upkeep have to be considered. We know petrol and diesel cars cost roughly £1300 a year to fuel and fix annually, but what about electric vehicles (EVs)? Are they just as expensive to keep on the road? Does all that slick new engineering cost more to maintain?&nbsp;The truth is EV owners pay half as much on average to service their cars as internal combustion engine (ICE) owners.&nbsp;Why do EV drivers pay so much less than their petrol peers? Let’s take a look.&nbsp;<h2 style="margin-left:0px;">How often do EVs need to be serviced?&nbsp;</h2>Like any machine in regular use, electric vehicles need occasional maintenance and periodic repairs. However, compared to petrol and diesel cars, the annual repair bill is much easier to manage.&nbsp;EVs typically require a twice-annually service check for onboard systems and tire rotations. These checks ensure the battery is maintaining optimal performance and the car is running as it should.&nbsp;After 8 to 10 years when the manufacturer warranty expires, that’s when to expect a sizeable bill for battery replacement. At current prices, a new EV battery can cost between £4,000 and £8,000. In time however, industry analysts expect the price of battery technology to drop significantly as mass production finds new efficiencies and cost-effective innovations.&nbsp;<h2 style="margin-left:0px;">Why do EVs cost so much less to service?&nbsp;</h2>Electric cars eliminate monthly spending on petrol fill-ups and reduce the amount of carbon being sent into the atmosphere. They also come with other built-in savings over ICE cars.&nbsp;EVs have only a fraction of the moving parts that ICE vehicles do. That naturally reduces maintenance and repair costs over the lifetime of the car because there are fewer parts subject to constant friction, pressure, and stress. There are no oil changes to factor in, no spark plugs that need replacing, and no expensive emissions controllers like catalytic converters to worry about. And did we mention the savings on petrol? Most UK drivers spend about £1200 annually to fuel their cars.&nbsp;Electric cars also use a system called ‘regenerative’ braking, which allows the car to recover energy when the vehicle slows down and send it back into the battery. That provides an instant boost to EVs energy efficiency, and it dramatically reduces wear and tear on mechanical braking systems, reducing the need for new brakes, pads, and calipers over time.&nbsp;<h2 style="margin-left:0px;">Smart maintenance&nbsp;</h2>Electric car manufacturers like BMW and Hyundai are creating “smart maintenance” systems within the vehicles to guide when maintenance happens and what needs fixing. They’ve realised that EVs come with so many sensors and data capture opportunities that the car itself can tell you when it needs servicing. At some point in the future, smart maintenance may even replace manufacturer-mandated service schedules, ensuring that drivers get their cars to the shop when required but also ensuring that only the components that need attention are replaced, rather than rely on an arbitrary schedule to replace everything on a pre-set list.&nbsp;For drivers, an electric car service is much the same experience as an ICE car service. You still have to make an appointment, take the car in, let a mechanic give it a thorough check-through, fix any issues, then return to the garage to collect it. Only qualified EV mechanics, however, can service an electric vehicle.&nbsp;<h2 style="margin-left:0px;">What does an EV service visit involve?&nbsp;</h2>If your car doesn't have smart maintenance capability, then regularly scheduled manufacturer service visits are a must. Many of the elements are the same as you'd have with an ICE vehicle, like checking steering, brakes, suspension, tyres, and lights. Of course, EVs also have their own particular systems to consider:&nbsp;Checking on exterior charging cables and charging points. Any damage to these or malfunction could slow down charging or stop the battery from charging at all.&nbsp;Visually inspecting all internal high-voltage connections and cables. Damaged internal cables could also create issues that affect charging&nbsp;Wheel rotations to identify indications of brake binding. This occurs when EV brake pads fail to release properly, which mechanics call “binding” of the discs. If it happens it will affect braking distance and steering control.&nbsp;Checking coolant levels for the inverter. In EVs this is an essential check because coolant regulates the electric motor temperature.&nbsp;Finally, EV mechanics will download all diagnostic data from the EV’s onboard computer and analyse it for performance issues.&nbsp;<h2 style="margin-left:0px;">Greener, and cheaper (long term)&nbsp;</h2>When it comes to annual servicing, electric cars are the cheapest on the market.&nbsp; Their relative lack of moving parts is a real benefit compared to ICE vehicles. On the other hand, they cost as much and sometimes more than their ICE equivalents, depending on the make and model.&nbsp;Just like any car, it is important to have EVs serviced at the manufacturer’s recommended intervals in order to drive them safely and meet required standards. In some cases, electric cars let you go longer between service visits than a petrol or diesel car. In other cases, the manufacturer might recommend a more frequent servicing schedule. Check before you buy and factor that into your overall monthly driving budget.&nbsp;

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Electric cars are all the rage but does all that cool technology come with a hefty annual maintenance bill?

How Often Do Electric Cars Need to Be Serviced? | Bumper Blog

How often do electric cars need to be serviced? 

The average used car driver spends around £1,300 annually on car maintenance and repairs. That includes petrol — no surprise there — but also repairs and breakdowns. On a monthly basis most people pay between £65 and £68 on fuel and between £30 and £35 on trips to the mechanic.&nbsp;Of course, those are just averages and repairs can be very expensive for an unlucky few. A study by WarrantyWise found that the average repair bill for an unexpected fix is close to £600. The more upscale the brand, the more it costs to fix.&nbsp;If your used car still has some time left on the original manufacturer's warranty, then you’ll still be on their schedule of standard maintenance packages and cover. For most used car owners however, the warranty has already expired, so you have to pay for each service and part individually.&nbsp;There are things you can do to make surprise car repair bills less likely. There are <a href="https://www.bumper.co.uk/">car repair finance</a> options like ours that you can turn to, but regular upkeep of your used car is the best way forward.&nbsp;&nbsp;Let’s take a look at what that means in practice.&nbsp;<h2 style="margin-left:0px;">Keep up with the manufacturer’s maintenance schedule&nbsp;</h2>Even if your used car is out of warranty, the manufacturer’s recommended service schedule is worth sticking to. Too many drivers try and save money on maintenance by delaying periodic service visits. New car or used, experts say that any savings you gain are short-term at best. Waiting too long between mechanic visits lets small problems escalate into big ones. And with a used car, there naturally tends to be more small problems.&nbsp;<h2 style="margin-left:0px;">Keep your car clean&nbsp;</h2>Maing sure your used car’s body and underside are cleaned regularly will help keep grime and grit from accumulating around moving parts. It will also minimise scratches and other damage to your paint job, glass, and mirrors. Studies have shown that British drivers spend around £60 a year taking their car in to the car wash. Pro tip: a car’s normal lifespan is seven to eight years. If you wash your car at home you could save slash £800 from your maintenance costs over that period.&nbsp;<h2 style="margin-left:0px;">Drive your used car carefully&nbsp;</h2>Getting more life out of your used car could be as easy as treating it with more care. Your brakes, tyres, clutch and transmission will all last you longer if chill out a bit and don’t stress your systems and components to the max. Being nice to your motor is easier than you think.&nbsp;&nbsp;Start with simple changes. For example, don’t keep your foot pressed down on the clutch after you change gears. If you do the clutch won’t fully re-engage, which could cause the plates in the gearbox shaft to slip. Over time that will cause major damage to your transmission which will be expensive to fix.&nbsp;&nbsp;Another thing you can do is steer clear of bumps and potholes. Your car’s suspension, underside, and tyres can all be damaged by flying over imperfect roads at high speed. What you’ll end up with is a <a href="https://www.bumper.co.uk/">painfully expensive repair bill</a> — all of which could be avoided by taking it slow.&nbsp;Finally, keep an eye on what’s coming down the road. Watch for potential collisions and brake gradually as required. Easing on the brakes will keep discs and brake pads from wearing out before their normal lifespan expires. If you brake hard all the time it creates more friction and wears down component materials faster.&nbsp;<h2 style="margin-left:0px;">Make your next car electric&nbsp;</h2>Electric vehicles are increasing in popularity and that means there’s also a growing market in used EVs. Lower repair costs are part of the attraction. Along with being more sustainable, e-cars are rightly hailed for being cheaper to maintain. Their motors contain fewer moving parts. And perhaps most importantly, charging an electric vehicle is significantly cheaper than filling a tank with diesel or petrol.&nbsp;The latest industry research shows that electric cars are about 25 per cent cheaper to maintain than cars with a traditional petrol-fired internal combustion engine. On average, that equates to savings of about £300 annually.&nbsp;<h2 style="margin-left:0px;">Fix what you can yourself&nbsp;</h2>If you’re willing to sit through a few YouTube videos and learn how to handle basic car maintenance, you can save a lot of money every year by keeping your used car away from the mechanic’s and doing smaller repairs, simple replacements like filters, and fluid top-ups yourself.&nbsp;When you take your used car into a garage, you’re paying for parts and labour. In many cases, a bit of shopping around will locate the same parts for less than what the mechanic is going to charge you for them. Learning how to do straightforward fixes like oil changes can save you hundreds of pounds annually.&nbsp;

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How much should you be spending each year on servicing your used car? Here’s what to expect, and how to keep costs down.

What Is the Average Cost to Repair a Used Car in the Uk? | Bumper Blog

What is the average cost to repair a used car?

Those of us who rely on our car to get to work or manage the school run know just how disruptive unexpected repairs can be. Leaving your motor at a garage for an oil change is bad enough, but what if you have a breakdown or your MOT finds a major issue?&nbsp;&nbsp;You know it's going to cost a lot. And let’s face it — you probably haven't set money aside for it.&nbsp;&nbsp;If you’re in this situation, a car repair loan can be a great way to finance the bill. But what if you're credit rating isn't great. Can you still get a loan?&nbsp;The good news is: ‘probably yes’. Let’s take look at what a car repair loan entails, and what lenders expect in terms of creditworthiness&nbsp;<h2 style="margin-left:0px;">What is a car repair loan?&nbsp;</h2>It’s a loan or credit line designed specifically to cover car repairs. Most of the lenders specialising in car repair loans recognise that major repairs often land without warning, so they make sure they have a solution.<h2 style="margin-left:0px;">But what if my credit rating is poor?&nbsp;</h2>Any lender offering financing would prefer that a customer has good credit, however, car repair lenders offer loans for people with poor credit too. You may have to pay higher fees or take on a less attractive interest rate, but on the upside, you’ll be able to pay your bill and keep your car on the road.&nbsp;It's also worth looking into the car repair loans now being offered by manufacturers. Just bear in mind that not every dealership signs up to participate. And when they do, you may have to go in person to complete an application.&nbsp; &nbsp;After that, the number of payments you can spread the cost over are often restricted to two or three. For repair jobs above £2,000, the approval processes and credit checks can be more stringent.&nbsp;&nbsp;<h2 style="margin-left:0px;">A better option&nbsp;</h2>As digital technologies continue to transform how we buy and pay for services, 'buy now, pay later’ (BNPL) platforms are giving consumers more options to pay for things flexibly.&nbsp;&nbsp;In the automotive sector, <a href="https://www.bumper.co.uk/">Bumper</a> is the leading BNPL platform. We let you split a hefty repair bill into smaller, easy-to-manage, interest-free payments.&nbsp;It’s easy, and it works like this:<ol style="list-style-type:decimal;"><li>Enter your vehicle registration number and postcode&nbsp;</li><li>Select a local repair centre from our network&nbsp;</li><li>Complete a simple credit application for up to £5,000&nbsp;</li><li>Receive your unique Bumper Code&nbsp;</li><li>Book your appointment&nbsp;</li><li>The whole process takes a matter of minutes&nbsp;</li></ol>When agreeing the cost of the repairs, just give your garage the Bumper Code. They’ll send a link to your smartphone, where you can choose how you want to spread out the payments. Pick the number of months and fix a date to complete the payments. You can even use Apple Pay or Google pay to set it up.&nbsp;&nbsp;Bumper ensures that you never pay more for servicing or repairs when spreading the cost. And the maximum credit limit you’ve been offered is never shared with the garage.&nbsp;So, if car repairs suddenly become a necessity, consider your financing options.&nbsp;<h2 style="margin-left:0px;">Take the worry out of unplanned repairs&nbsp;</h2>At Bumper we’re committed to giving car owners more financial flexibility by taking the worry out of unexpected car repair costs and helping bring the automotive aftermarket into the digital age.&nbsp;Want to learn more? Visit our <a href="https://www.bumper.co.uk/howitworks">How It Works</a> page and try the online calculator.&nbsp;

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When a big car repairs bill lands and you need financing to pay it, lenders have options for everyone. A poor credit rating probably won't disqualify you. We explain why.

Will I qualify for a car repairs loan if my credit rating is poor? | Bumper Blog

Can you get car repair financing with bad credit? 

Cars can be a blessing and a curse. It's all plain sailing one day, then a new squeak or rattle arrives to ruin the mood.&nbsp;Knowing the common problems UK drivers face from month to month and knowing how to address them can save you stress and money. If you have a pretty good idea what’s causing a problem, you’ll be better able to decide if fixing it can wait for a week or two, or if it needs urgent attention.&nbsp;Most car issues in the UK are well-known and experienced by every driver at one time or another. The good news is that most of them aren’t serious, they do, however, serve as a warning that more serious problems might be coming down the road.&nbsp;&nbsp;Here are the most common car problems and what you can do about them.&nbsp;<h2 style="margin-left:0px;">Squeaking Brakes&nbsp;</h2>This is common in most British cars. You’re driving down the motorway and notice a squeak when braking. This could be due to issues with pads and rotors, or calipers and frames. Don't just turn the radio up and drown out the sound. Have your brakes checked by a professional ASAP.&nbsp;<h2 style="margin-left:0px;">Suspension&nbsp;</h2>If you’ve noticed your car ride is bumpier than usual, it might be an issue with your shock absorbers or springs. Your shocks are responsible for ensuring smooth rides, reliable vehicle handling, and longer tyre life. If they wear out, you might notice a loss of vehicle control and general drivability issues. If it takes longer to stop, or you notice uneven tyre wear, get it checked.&nbsp;<h2 style="margin-left:0px;">Ignition System&nbsp;</h2>The ignition system includes the car’s battery, starter, and the ignition button or key assembly on the steering column or dashboard. If any of those components aren’t 100% ship shape, the engine won't turn over or you’ll be at risk of engine failure while you're driving. &nbsp;&nbsp;<h2 style="margin-left:0px;">Flat Tyres&nbsp;</h2>Everyone knows you need well-inflated tyres with good treads that are suited to the season and weather. Without those basics, you can degrade steering control and sacrifice fuel efficiency. That's why it's essential to get your tyres looked at whenever you run over a sharp object like a chunk of broken glass. If you notice a leak or the tyres look worn out, don’t wait. Get them patched or replaced.&nbsp;<h2 style="margin-left:0px;">Failed Alternator&nbsp;&nbsp;</h2>The alternator is responsible for keeping the flow of electricity throughout the car’s systems in balance after the car has started. It also keeps the battery at the right charge level, so it remains in good condition. If the alternator fails, your battery will run out of juice prematurely and you’ll likely notice problems at startup. To avoid an alternator fault, you should have it checked regularly. When issues are found, it's best to replace the alternator and avoid the risk of a bigger problem occurring later.&nbsp;<h2 style="margin-left:0px;">Too Much Play with the Steering Wheel&nbsp;&nbsp;</h2>Sometimes your car’s steering wheel can start to wobble or shake when you’re driving. If it happens when you’re driving at speed on the motorway, it often indicates a problem with the tyre or wheel balance. The best way to discover the cause is to have the car checked by a professional.&nbsp;<h2 style="margin-left:0px;">Leaking Radiator&nbsp;</h2>The radiator keeps the car engine at the right temperature, so leaking fluid can lead to overheating and breakdown in engine oil viscosity. Rust is usually the cause of radiator leaks, though they can also be caused by poor maintenance, manufacturing defects, or poor-quality engine fluids. When a leak happens, it's normally better to replace a radiator rather than rely on a patch.&nbsp;<h2 style="margin-left:0px;">Worn Out Spark Plugs&nbsp;</h2>While technological improvements have made failed spark plugs a less common issue than they used to be, old or defective plugs still cause problems. They can still stop your car from starting or running, while damaged connectors can cause other problems with the car’s electrical systems.&nbsp;<h2 style="margin-left:0px;">Engine Failure&nbsp;</h2>An engine that simply won’t run is obviously a major problem. It’s also a fairly common occurrence that could be caused by any number of component or system failures. You’ll need a qualified mechanic to tell you for sure what’s happened and what can be done to get you back on the road again.&nbsp;<h2 style="margin-left:0px;">Unexplained Warning Light&nbsp;</h2>Seeing the warning light come on can be one of the most frustrating facets of owning a car. It can be caused by a myriad of issues, and sometimes comes on when there isn't any other mechanical symptom to indicate you have a problem. There is a long list of warning codes to check when the warning light starts shining so get it checked by a professional mechanic to find the root cause.&nbsp;<h2 style="margin-left:0px;">Dead Battery&nbsp;</h2>Most car batteries last for between two and three years, but batteries dying before their time is a frustratingly common occurrence. If your car sits unused for long periods, the battery can simply lose its charge since it isn’t being replenished normally by the engine.&nbsp;&nbsp;<h2 style="margin-left:0px;">Transmission Failure in Automatics&nbsp;</h2>If you keep to your car’s recommended maintenance schedule and address any other issues as they arise, the automatic transmission in today’s vehicles is normally good for 200,000km or more. Automatic transmissions use hydraulic components and nave numerous gaskets and seals that can be damaged by dirt or leaks. When that happens, the transmission can slip or cease running smoothly.&nbsp;<h2 style="margin-left:0px;">Small fixes now stop big fixes later&nbsp;</h2>Small issues tend to get worse over time, but the good news is that small and cost-effective repairs now can stop you from paying thousands on a major repair bill later — you just need to catch the issue early. Keep your car in good condition and keep your and your family safe on the road.&nbsp;

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In this blog we explain the car problems faced most frequently by UK drivers and what you can do to avoid them.

What Are the Most Common Car Problems and Issues in the UK? | Bumper Blog

The UK’s most common car problems and issues 

Wondering how you're ever going to pay all the bills piling up on your desk? The Office for National Statistics (ONS) says you're not alone. A full third of Brits report that they’re finding it hard to keep up with their normal household expenses.&nbsp;&nbsp;If you’re in that position, a large and unexpected bill for car repairs could be a real problem. Try as we might, not everyone has savings packed away for a rainy day.&nbsp;If your car needs transmission work or repairs to the engine or cylinders, you could easily find yourself staring down a £3,000 to £5,000 bill.&nbsp;<h2 style="margin-left:0px;">What are your car repair financing options?&nbsp;</h2>If your auto repair bill is more than you expected and you can't afford to pay it, here are six things you can do.<h2 style="margin-left:0px;">1. Ask if there's a cheaper alternative</h2>If the estimate you’ve received for a repair job is surprisingly high, ask the mechanic if there’s a less-expensive option available.&nbsp;That doesn’t have to mean cutting corners or risking further problems later. Sometimes an estimate is based on certain part brands and the highest hourly labour rate. With a bit of flexibility, the garage might be able to use cheaper parts or find a workaround to cut down the cost.&nbsp;&nbsp;<h2 style="margin-left:0px;">2. Do the repairs in phases&nbsp;</h2>If the service centre is recommending you do a series of repairs, ask if you can prioritise them and do only the most crucial fixes first. If you can break the whole job up into phases and control the timings, you’ll be better able to manage the overall cost. So long as there’s no safety risk to deferring some repairs, let the fixes that can wait ‘til later, wait ‘til later.&nbsp;<h2 style="margin-left:0px;">3. Offer to clear the bill in more than one payment&nbsp;</h2>If you can’t clear your car’s repair bill in one go, ask the service centre if they’ll let you break up the bill into multiple payments.&nbsp; Some garages will let you do this or may even offer their own basic in-house financing for large repair jobs.&nbsp;&nbsp;Do be aware however that under UK law, mechanics can put a lien on your car if you don’t pay the bill in-full within 30 days. That could mean leaving your car at the garage until the bill is fully paid. To avoid that happening you might want to put part of the bill on a credit card or consider a dedicated auto repair loan.&nbsp;<h2 style="margin-left:0px;">4. Popping it on your credit card&nbsp;</h2>Credit cards are a simple way to cover any unexpected expense, though the interest can make an already large bill even bigger.&nbsp;Still, if you're stuck with a big repair bill sometimes the most straightforward solution is the best one. If you have 0% APR deal and can pay down the balance quickly, putting it on your card might not be so painful. But if you have a standard interest rate, you’re going to have to take the extra hit.&nbsp;In that case the interest rate on a dedicated car repair loan might be more attractive.&nbsp;&nbsp;<h2 style="margin-left:0px;">5. Consider car repair loans&nbsp;</h2>An auto repair loan is loan or credit line designed specifically to cover car repairs. Most of the firms specialising in car repair loans know that repairs often land without warning, so they try and make the process simple so you can get the cash you need ASAP.&nbsp;Any lender will want you to have good credit, but car repair loan specialists typically offer loans for people with poor credit too. Note though that you’ll likely pay higher fees or accept a less generous interest rate.&nbsp;<h2 style="margin-left:0px;">Try Bumper&nbsp;</h2>Bad luck can catch anyone out when it comes to cars and maintenance. If you do find yourself facing a sizeable repair bill for something unexpected, Bumper's ‘buy now, pay later’ service can help ease the pain.&nbsp;&nbsp;Bumper lets you split hefty a repair bill into smaller, easy-to-manage, interest-free payments. It works like this:&nbsp;<ol><li>Enter your vehicle registration number and postcode</li><li>Select a local repair centre from our network</li><li>Complete a simple credit application for up to £5,000&nbsp;</li><li>Receive your unique Bumper Code</li><li>Book your appointment</li></ol>The whole process takes a matter of minutes. Bumper lets you get the repairs you need quickly, while deferring payments in easy interest-free instalments. Visit our <a href="https://www.bumper.co.uk/howitworks">How It Works</a> page to find out more.&nbsp;

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If you’re already finding it hard to make ends meet, a huge car repairs bill can be a nightmare. But don’t panic, you have options. We explain them here.

What are my options if I can’t pay my car repair bill? | Bumper Blog

What if you can’t pay your car repair bill?

The cost-of-living crisis is having an enormous impact on the way many of us live our lives. A recent survey by <a href="https://uk.sports.yahoo.com/news/almost-seven-10-motorists-changed-123305153.html">Kwik Fit</a> found that the way we drive is no exception. Of the 2,000 surveyed, 69% said they had significantly changed the way they drive since the beginning of the year.&nbsp;Here’s what they’ve changed:&nbsp;<h2 style="margin-left:0px;">Fewer journeys&nbsp;</h2>To make a saving on fuel costs, drivers are significantly reducing the number of journeys they make in their vehicles. 35% of drivers said they had cut down on the number of journeys they make.&nbsp;&nbsp;40% of petrol drivers had cut down since the start of 2022, with only 22% of electric and hybrid drivers cutting down.&nbsp;<h2 style="margin-left:0px;">Changing their vehicle&nbsp;</h2>Electric and hybrid vehicles are well-known to be cheaper to run. This survey found that of the electric and hybrid owners 17% had switched from a vehicle using an internal combustion engine to keep costs down, whilst 4% had sold their vehicle without replacing it.&nbsp;<h2 style="margin-left:0px;">Driving less aggressively&nbsp;</h2>21% of drivers said they now drive more smoothly and try to avoid harsh braking and 14% were now driving slower than they were at the start of the year to conserve fuel.&nbsp;<h2 style="margin-left:0px;">Better car maintenance&nbsp;</h2>It was discovered 1 in 10 motorists were now regularly checking their tire pressure and 11% had taken unnecessary items from their vehicle in a bid to make it lighter on the road.&nbsp;<h2 style="margin-left:0px;">About Bumper&nbsp;</h2>The cost-of-living hike has had a big impact on motorists. Luckily, Bumper has a solution. Our digital PayLater solution allows customers to split the cost of repairs, at no extra cost.&nbsp;Applications are completed online in just a few clicks. Plus, our proprietary AI-enabled lending software allows us to make real-time, responsible lending decisions in less than 5 seconds.&nbsp;For more information about how Bumper can transform your customer experience, <a href="https://www.bumper.co.uk/partner" target="_blank" rel="noopener noreferrer">contact our sales team.&nbsp;</a>

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In this blog we explore how motorists have changed their driving habits due to the cost-of-living crisis.

Motorists Change Driving Habits Due to Cost of Living | Bumper Blog

Motorists change driving habits due to cost of living

The dealership of the month for April 2022 goes to Lexus Edgware Road.The win follows an outstanding month for the Jemca site using Bumper’s PayLater to allow customers to split the cost of their repair bills into monthly payments, completely interest-free.&nbsp;Team Jemca met with Bumper account manager Alex on site to deliver the award, which has had a brand-new redesign.<figure class="image image-style-align-left image_resized" style="width:24.83%;"><img src="https://bumper-blog-prod.s3.eu-west-1.amazonaws.com/image_f862e96eee.png"></figure> Starting in November last year, the team has helped hundreds of customers drive away with their repairs and finances in check. A special shoutout is necessary for Ash, who is a bit of a Bumper expert!&nbsp;Well done to Ash, Wing, Joseph, Ankit, Renaldo, and Phil.&nbsp;<h2 style="margin-left:0px;">About Bumper&nbsp;</h2>Join the Bumper network and get access to our digital PayLater solution, allowing customers to split the cost of their repairs into monthly instalments, completely interest-free.&nbsp;For more information on becoming a partner <a href="https://www.bumper.co.uk/partner">contact our sales team.</a>&nbsp;

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Bumper’s Dealership of the Month aims to award one of the top performing dealership on the Bumper network over the last month. 

The Dealership of the Month: Jemca Edgware Road | Bumper Blog

The Dealership of the Month: Jemca Edgware Road

Buying a used car is a great way to save money. Do your homework and you might just trade-up to one that would have been financially out of reach if new. Unless your tastes or needs are very specific, there are loads of quality used cars out there to choose from&nbsp;Best of all, in most cases you’ll be behind the wheel as soon as the deal is done.&nbsp;&nbsp;But there are also risks to manage. Not every seller is 100% honest and others might not know a car’s full history. What you don’t want is to be stuck with something that’s going to need <a href="https://www.bumper.co.uk/">expensive repairs</a>.In this blog post we’ll show what to watch out for and the questions you need to ask when considering a used car purchase.<h2 style="margin-left:0px;">Buying from a user car dealer</h2>If you’re buying from a used car dealer, it's important to spend some time finding out if the company is well established and has a good reputation locally.If you’re on the lot, look for a sign indicating the dealer is part of a trade association like the Retail Motor Industry Federation (RMIF) or Scottish Motor Trade Association (SMTA). You might also look for a framed certificate or signage committing to the Motor Ombudsman's code of practice. In both cases you’ll have the option of making a complaint through the trade association if you're not happy with the purchase.<h2 style="margin-left:0px;">Buying from an auction</h2>Because they move around, auctions can be the least safe way to buy a used car. While most auctioneers are squeaky clean, if you do decide to cancel the sale, seek a refund or return the vehicle, you probably won’t have the legal protections a dealer could provide or the option to seek redress through an industry body's complaints procedure.At minimum, read the small print. Look at the auction house’s terms and conditions carefully before placing your bid.<h2 style="margin-left:0px;">Research the car’s history</h2>Going through a few simple checks will minimise the chances of buying a car that’s undergone major repairs or is being sold illegally. You should also try and find out if the current owner has an outstanding lien or still owes money on the car.Here’s how you do it:&nbsp;<h3 style="margin-left:0px;">Check the car’s history with the DVLA</h3>Use the DVLA’s free online vehicle information search to be certain that what the seller has told you matches the DVLA’s records. Ask for the car’s registration number, MOT test number, mileage, and confirm the make and model.&nbsp;If minor details don’t match up, ask the seller for clarification as it may just be an error.&nbsp; But if you discover something that makes you suspicious of the whole transaction, trust your instincts and walk away from the deal.&nbsp;<h3 style="margin-left:0px;">Check the car’s MOT and inspection history</h3>Every car has to undergo a regular MOT test to ensure its road safe. Check the MOT history of a car on GOV.UK. When looking at a used car, check that MOT inspections have taken place regularly throughout the car’s lifespan. If a car is more than three years old, for example, an MOT test has to be conducted every year.If there are any gaps, ask the seller what happened.&nbsp; If you aren't happy with the answer, then walk away from the deal.<h3 style="margin-left:0px;">Invest in a private history check</h3>As a final step its worth paying the £20 fee for a private history check or data check on the car. It can uncover valuable information about any serious problems the car might have. For example, you’ll find out if the seller still owes money on the car, if the car has been reported stolen, if it's been written off and then repaired, and if the mileage reading on the odometer is correct.Car history checks are available online.<h2 style="margin-left:0px;">Take a test drive and do an inspection</h2>Always schedule your first viewing so you can see the car in daylight and not after a rainstorm. It’s harder to see any scratches or other damage to a car’s exterior if its wet. It’s buying from a private seller, try and meet at the seller’s house so you have an accurate record of their address.That done, always take a used car for a test drive before buying. Listen for rattles and squeaks, and be aware of any resistance when you're steering. Let the car ‘glide’ from time to time to see if tends to veer to the left or right.To do a test drive you need to be sure you have the correct insurance cover. Check with your insurance provider to see if your policy covers driving someone else’s car.<h2 style="margin-left:0px;">Still not sure? Get an independent report</h2>If, after all that, you're still not convinced, the best thing to do is probably walk away and look elsewhere.However, if the car really feels like it might be the one, you can wipe away your lingering doubts by having an independent report done on the car. For between £100 and £200 you’ll gain an even more detailed look at the car’s history and condition.To find a company that does independent reports, contact the UK's Motor Ombudsman for the nearest provider in your area.

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Thinking about buying a used car? There are great deals to be had, but never forget: with a used car and you may be buying someone else’s problems. Our handy checklist can help you separate the deals from the duds.

Bumper’s buy-safe checklist for used car purchases | Bumper Blog

The best way to buy a used car

It’s been an interesting two-year stretch for the UK car industry. Shifting trends in automotive buying means this year’s list of the top 10 cars could surprise some industry observers.&nbsp;With COVID-19 upending supply chains, ongoing semiconductor shortages, and the Ukraine invasion set to disrupt production further, 2022 is hard to predict. But there are some signs of what’s to come.&nbsp;The Society of Motor Manufacturers and Traders (SMMT) says that more than 174,000 cars were sold in the UK as of 1st March 2022. That’s a 23 per cent increase over the same period last year. Electric cars are also on the rise, jumping 150 per cent and accounting for nearly 15 per cent of all new car sales.&nbsp;Diesel, on the other hand, looks to be on the way out. Sales sank by a whopping 45 per cent from the same period last year, accounting for just over five per cent of total sales.&nbsp;&nbsp;Some things have stayed the same though. The Vauxhall Corsa leads the pack again this year in terms of individual model sales, while the Kia Sportage sits in second place and the Mini Hatchback holds the third spot on the podium.&nbsp;While there’s still lots of time for things to change, here’s our list of the top 10 cars for 2022 based on the most recent figures.&nbsp;<h2 style="margin-left:0px;">The top 10 UK cars of 2022&nbsp;</h2><h3 style="margin-left:0px;">10. Ford Focus&nbsp;</h3>Perennial favourite Ford Focus fell out of many top 10 lists last year, disappearing from the top ten off the back of a poor reception to its Vignale version. That said, the Focus is enjoying a bit of a renaissance in early 2022 ahead of an expected design facelift in June.&nbsp;The Focus has always been a critic’s darling and the 2021 model is typically rated on par with cars like the Volkswagen Golf.&nbsp;<h3 style="margin-left:0px;">9. Volvo XC40&nbsp;</h3>This one’s been a regular feature on dealer forecourts since early 2018 and holds firm as a favourite with both reviewers and car buyers alike.&nbsp;It's worth noting that both the petrol and plug-in hybrid models have had a better critical reception than the XC40 ‘pure’ electric model. They're seen to offer better value for money than their EV cousin.&nbsp;<h3 style="margin-left:0px;">8. Toyota Corolla&nbsp;</h3>Oddly enough the Toyota Corolla is only the second car on this list to be built here in Blightly. While it dropped out of the SMMT’s top ten in February, strong sales figures in January have kept it aloft for the year-to-date.&nbsp;The Corolla comes as a hybrid-only and it's been gradually finding a firm niche in the UK new car marketplace. Many reviewers have noted how much of an improvement it represents over the former Auris, which it replaced on Toyota’s 2021 roster.&nbsp;<h3 style="margin-left:0px;">7. Hyundai Tucson&nbsp;</h3>Hyundai’s new Tucson has been a top sales performer and frequent fixture in many ‘best of lists’ since it launched in 2021. The good news and sales keep coming as SMMT figures indicate a strong start to 2022.&nbsp;<h3 style="margin-left:0px;">6. Vauxhall Mokka&nbsp;</h3>The Vauxhall Mokka is the first car to feature Vauxhall’s ‘Vizor’ styling. Based on strong sales for the Mokka you can expect the firm’s new look to roll out across its range over the next few years.&nbsp;The Mokka comes in standard petrol and diesel models. There’s also the all-electric Mokka-e, which numerous awards last year in the Small SUV category.&nbsp;<h3 style="margin-left:0px;">5. Kia Niro&nbsp;</h3>This one's been around a long time, but Kia’s legacy brand Niro shows no signs of losing steam. Strong sales in January and February suggest that the Korean car maker is doing just fine in sustaining a reliable supply of semiconductor chips for the car’s onboard systems.&nbsp;While we expect the current Niro to come to the end of its production life soon, Niro enthusiasts can look forward to an all-new model reaching British shores in the second half of this year.&nbsp;<h3 style="margin-left:0px;">4. Ford Puma&nbsp;</h3>The Puma is another top performer, but its popularity began to wane at the end of 2021 after a sales surge in the first quarter. It's a similar picture so far for 2022, with strong sales in January followed by a slight dip in February.&nbsp;Car reviewers continue to heap praise on the Puma and give it top ratings in the ‘supermini’ SUV class.&nbsp;<h3 style="margin-left:0px;">3. Mini hatch&nbsp;</h3>A strong showing in the first two months of 2022 suggests the Mini hatch could keep burning up the sales charts. It finished last year ranked third overall and has started this year strongly as well. It’s also the best-selling new car that’s made in the United Kingdom.&nbsp;<h3 style="margin-left:0px;">2. Kia Sportage&nbsp;</h3>The Sportage fell back to second place after a slow start to the year, all but vanishing from the UK sales charts in January. Will the next round of industry figures push it back to the top, or will supply chains problems prove too much for growing consumer demand?&nbsp;<h3 style="margin-left:0px;">1. Vauxhall Corsa&nbsp;</h3>Holding on to the top spot again this year is the Vauxhall Corsa, after just making it over the finishing line in 2021 due to factory supply issues. For all its sales success, motoring journalists have found the car hard to love. Reviews are typically ho-hum for both the petrol and electric versions.&nbsp;Will its mid-quarter 2022 sales figures signal more good news for the year ahead, or will the current global upheaval bring new supply chain struggles?

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Want to know which cars are topping the charts in 2022? In this blog we’ll give you our top ten and explain how they compare.

A list of the top cars for 2022 UK | Bumper Blog

What Are The Top 10 Cars For 2022 

A car’s maintenance schedule can be easy to forget about. Every day, we jump in and out of our automobiles and everything runs as it should. We take it for granted, <a href="https://www.bumper.co.uk/">until something bad happens</a>.Avoiding unpleasant surprises can be as simple as keeping up with regular oil changes. They’re fast and cheap and absolutely vital to ensuring the smooth operation of your vehicle.They’re also easy to put off until later.&nbsp;But what if later never comes? Oil is an essential engine component that keeps the engine running by lubricating the heated, fast-moving metal parts to prevent them from seizing up.&nbsp;But motor oil isn’t formulated to last indefinitely. You need to change it on a regular basis. Depending on the car make and model and the quality of oil required, the interval between oil changes could be anywhere from 3,000 to 10,000 miles.&nbsp;&nbsp;<h2 style="margin-left:0px;">What happens if I skip an oil change?&nbsp;</h2>The short answer is this: you could damage your engine — or worse.&nbsp;&nbsp;You might get lucky and skip a scheduled oil change without any problems, but you'll be taking a big risk.&nbsp; Every day you put it off, more gunk and dirt is collecting in your engine oil and making it less effective at doing its job. Wait too long and it will lose its viscosity entirely. Then you've got trouble.&nbsp;On the upside, regular oil changes help keep your car running smoothly and maximise your mileage.&nbsp;Here are 10 reasons why you shouldn't skip your next oil change.&nbsp;<h3 style="margin-left:0px;">Protecting your engine&nbsp;</h3>The oil in your engine reduces friction and heat by lubricating the moving parts. When the oil is fresh, it lubricates at peak efficiency and minimises the daily wear and tear from simply running the engine.&nbsp;As oil gets older, dirt, dust, and tiny bits of engine debris can build up, so its ability to lubricate is diminished. The result: your engine parts slowly start to disintegrate. That starts a vicious cycle whereby more wear and tear adds more dirt and gunk in the oil, which makes wear &amp; tear worse.&nbsp;&nbsp;<h3 style="margin-left:0px;">Spending less on petrol&nbsp;</h3>No one likes spending money on petrol. Regular oil changes keep your car is running at peak efficiency. That means its runs at less effort and <a href="https://www.bumper.co.uk/blog/guide-to-reducing-fuel-consumption" target="_blank" rel="noopener noreferrer">uses less fuel.&nbsp;</a>As engine oil accumulates dirt and particles, the engine has to work harder to move and burns more gas per mile to make the same level of effort. The longer you wait between oil changes, the less your mileage will be.&nbsp;<h3 style="margin-left:0px;">Enjoying a smoother ride&nbsp;</h3>If you’ve ever waited a long time between oil changes, you probably noticed a difference in how well the car performed after the oil change was complete. Simply put, with fresh new oil, your engine’s spinning parts can move smoothly and use less power to make their revolutions.&nbsp;<h3 style="margin-left:0px;">Reducing your emissions&nbsp;</h3>An engine that runs efficiently also gives off less exhaust. Most new cars have an onboard computer that helps synchronize engine movements to get burn fuel cleanly and get the best mileage. When your oil is gunked up, with dirt &amp; debris, those systems can’t work properly. You emit more exhaust as the engine burns more petrol than it should.&nbsp;<h3 style="margin-left:0px;">Sustaining you warranty&nbsp;</h3>The manufacturer’s warranty for a new car can last as long as a decade — if you stick to its prescribed maintenance schedule. Skip too many oil changes and the terms of the warranty might render it void. If there’s ever a major repair it could cost you cost thousands more than it would have if the warranty was still valid.&nbsp;<h3 style="margin-left:0px;">Better resale value&nbsp;</h3>Resale value probably isn't the first thing on your mind when you buy a car. Eventually, however, the day comes when you want to sell or trade in your car for a new one.&nbsp;Keeping to a schedule of regular oil changes will increase your car's resale value. On inspection or in a test drive the engine will perform noticeably better. Keep a detailed record of oil changes and other regular maintenance and you might even improve your sale price.&nbsp;<h3 style="margin-left:0px;">Catching other problems early&nbsp;</h3>When you have an oil change done it gives the mechanic an opportunity to visually inspect your car under the bonnet. They'll see the battery, air filters, the brakes and whatever else they have on their standard list. That means they’ll be able to note any potential problems before they happen.&nbsp;&nbsp;<h3 style="margin-left:0px;">It helps you keep to a schedule&nbsp;</h3>Every car has a suggested manufacturer’s maintenance schedule for regular servicing. Focusing on oil changes makes it easier to track the intervals and ensure you’re being seen by a mechanic at least once a year. Your mechanic will probably remind you about any upcoming scheduled maintenance in addition to the oil change, so you can book an appointment on the spot.&nbsp;<h3 style="margin-left:0px;">Avoiding buildup of dirt &amp; debris&nbsp;</h3>Over time your engine oil will naturally lose its viscosity, which means the engine starts to burn hotter. Wait too long to change the oil and it will turn into a thick, grimy sludge. This risks causing severe damage to the engine and other parts of the car connected to it.&nbsp;<h3 style="margin-left:0px;">Stopping catastrophes from happening&nbsp;</h3>If your engine oil turns to sludge, it won't be able to lubricate anymore, and your car engine will seize up. That means the metal parts fuse together under the intense friction and heat. It's almost impossible to fix, probably requiring a new engine or even a write-off of the car.&nbsp;&nbsp;<h2 style="margin-left:0px;">Don't neglect the simple things&nbsp;</h2>When you build good habits in one area of life, it has a knock-on effect elsewhere. Keeping to a regular oil change schedule can help you stay mindful of your car’s mechanical needs and its potential vulnerabilities.&nbsp;Making time for something as mundane as an oil change can seem like a nuisance, but they are vital to your car’s healthy operation. If you want your car to last a long time and to perform well, take the time to get the oil changed. If you don't, expect to spend more — even a lot more — further down the road.&nbsp;

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Oil changes can be a pain, but they’re essential to the smooth running of your vehicle. Can you cut corners and miss out the odd one or two? We look at the pros and cons.

Is it OK if I miss the occasional oil change? | Bumper Blog

Ten Reasons Why You Shouldn't Skip an Oil Change 

A regular car service is a mechanical check-up carried out at set intervals, usually at least once a year or after the car has racked up enough miles on the clock. The manufacturer specifies the timescale and provides a standard list of services for mechanics to follow.&nbsp;&nbsp;If the car is still under warranty, then the interval and services will be mandatory. If it's out of warranty, then there’s more flexibility in the timing and services performed — though for the sake of your car you should keep as close to the recommended schedule as you can.&nbsp;A scheduled service will replace old fluids and ageing parts and include visual inspections to make sure key components are working as they should.&nbsp;&nbsp;There are three different types of scheduled car service: interim, full and major. While different service centres might brand their service packages differently for marketing purposes, there will always be three levels and a tiered pricing structure to choose from.&nbsp;Each service level builds on the previous one and then adds extras that the car needs at different stages of its life on the road. The type of service you need depends on how much time has passed or how much driving you’ve done since the last scheduled service.&nbsp;<h2 style="margin-left:0px;">The three care service levels explained&nbsp;</h2><h3 style="margin-left:0px;">Interim car service&nbsp;</h3>An interim car service is the basic service bundle designed for high-mileage car owners who drive 20,000 miles or more annually. In their case, a single annual service may not be enough.&nbsp;An interim car service will normally wrap in an oil and oil filter change, plus a visual inspection of the car's essential exterior components, such as the tyres, lights, and windscreen wipers.&nbsp;Also included in an interim service bundle will be a topping-up of the engine, brake, and other key fluids; an inspection for any fluid leaks, and lubrication of all moving parts.&nbsp;<h3 style="margin-left:0px;">Full car service&nbsp;</h3>A full service, sometimes called an intermediate service, is often scheduled for every 12 months or whenever 12,000 miles is chalked-up on the odometer. It's designed for drivers with lower annual mileages and only needs one service a year.&nbsp;It comes with a wider range of replacement parts and visual checks, adding on to those conducted in the last interim service. These can include:&nbsp;<ul><li>Changing fuel and air filters&nbsp;</li><li>Changing spark plugs&nbsp;</li><li>Inspecting the brakes&nbsp;</li><li>Inspecting the air conditioning system&nbsp;</li><li>Inspecting radiator and coolant hoses&nbsp;</li><li>Checking bearings and shock absorbers&nbsp;</li><li>Testing electrical components like battery, starter, and alternator</li></ul><h3 style="margin-left:0px;">Major car service</h3>The third and final service level is the ‘major’. It's typically recommended every 24,000 miles or 24 months. If your last annual service was a full service, a major service will be next on the manufacturer’s recommended schedule.&nbsp;It's the most comprehensive bundle of the three and takes everything from an interim and full service then adds on replacing parts and fluids that wear out every couple of years. These include brake fluid and cabin filter.&nbsp;Brake fluid can become contaminated over time and affect how well the brakes work. That’s obviously a serious concern when you’re on the road motoring at speed. The cabin filter can also be clogged up with dust and debris over time, affecting the cabin's air quality.&nbsp;<h2 style="margin-left:0px;">Are car service intervals really necessary?&nbsp;</h2>A scheduled car service isn’t a legal requirement like an MOT. However, your new car warranty might compel you to stick to a standard servicing schedule. Even if you’re out of warranty, regular servicing is the best way to keep your car in the best possible condition.&nbsp;Although service intervals can be pricey, there are a number of benefits that make it worth doing:&nbsp;<ul><li style="margin-left:0px;">Cars with a full-service history have a higher resale value&nbsp;</li><li style="margin-left:0px;">Regular inspections of key components and replacing worn out parts will detect problems and keep you on the road&nbsp;</li><li style="margin-left:0px;">Changing your engine oil and oil filter annually increases fuel efficiency and keeps the engine running smoothly&nbsp;</li><li style="margin-left:0px;">Inspecting brake pads, discs and callipers every year means your brakes and ability to stop stay at their maximum level&nbsp;</li></ul><h2 style="margin-left:0px;">What type of service do I need?&nbsp;</h2>Working out which type of car service you need for your car depends on your current mileage, how old your car is, the last scheduled service you had done, and the make and model of the vehicle.&nbsp;Keeping track of your car service schedule can be tricky so it's usually a good idea to book service visits around your annual MOT. Though the servicing itself is legally required, it's good for your car and your pocketbook. Scheduling both at the same time means one less visit to the garage, and many garages offer discounted packages for doing them both together.&nbsp;Since most drivers can’t easily do oil changes, replace oil filters, or check spark plugs at home, regular maintenance checks are normally the best way to keep your car running smoothly.&nbsp;A trained mechanic will lookout for any issues with your brakes and top up or change vital fluids like coolant, engine oil, and brake fluid.&nbsp;Failing to keep to the manufacturer’s recommended service schedule can affect your car warranty and the vehicle’s resale value.&nbsp;<h2 style="margin-left:0px;">Facing an unexpected car repair bill?&nbsp;</h2>If you do find yourself facing a large repair bill for something unexpected, <a href="http://www.bumper.co.uk/">car repair loans</a> can help ease the pain. You might also consider a ‘buy now, pay later service like ours. It lets you get the repairs you need quickly while deferring payments in easy interest-free instalments.&nbsp;

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Regular auto maintenance comes in standard packages. Find out what each one includes, and what to do when a routine checkup turns into a major bill for repairs.

What are the main types of car service? | Bumper Blog

The Different Levels of Car Service Explained 

Team Bumper attended the first Motortec Madrid 2022 event following the COVID-19 pandemic.&nbsp;The event, held annually, is one of the largest Automotive industry events in Europe. Described as a space for industry experts and innovators to exchange knowledge and best practices, Motortec sees over 700 companies exhibit annually. &nbsp;Across four days, Bumper showcased their interest-free monthly payments for aftersales invoices. A digital solution that allows customers at dealerships and garages to apply for finance in just a few clicks.Co-founder, Jack Allman said, "Motortec Madrid marks the start of Bumper's expansion into the Spanish market. With a widely established presence in the UK and a recent launch into Germany, we're in a strong position to expand in Spain.“Our talented and experienced sales team are engaging with dealerships and garages here in Spain about how Bumper can drive increased sales volume and maintain high levels of customer satisfaction”.Team Bumper received an exciting reaction to their innovative solution at Motortec and have secured many connections to propel them further into the Spanish market.&nbsp;<h2>About Bumper</h2>Founded in 2013, Bumper provides an interest-free digital payment platform for vehicle repairs and services, enabling owners to spread their costs. It also delivers an instalment financing solution using proprietary AI enabled technology to facilitate real-time lending decisions.Bumper enables dealerships and garages to sell a larger proportion of red and amber work, reducing workshop downtime, with no risks or liabilities, while also creating greater customer loyalty.Named 21st fastest growing fintech in the 2022 FT1000 rankings of Europe’s fastest growing companies, Bumper works with over 3,000 dealerships and garages across the UK and Republic of Ireland, helping over 160,000 drivers to fund their servicing and repair bills.Bumper operates from the UK, Spain and Germany.For more information on how Bumper can grow your aftersales volume contact our sales team at sales@bumper.co.uk.&nbsp;

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Team Bumper attended one of the largest automotive industry events in Europe, Motortec Madrid 2022, exhibiting their interest-free finance solution for aftersales invoices.

Team Bumper attend Motortec Madrid 2022 | Bumper Blog

Team Bumper attend Motortec Madrid 2022

To keep a car running like clockwork you need to bring it for regular servicing, usually after 5,000 to 6,000 miles of driving. Some services are quick and simple while others are time and cost-intensive. There’s a lot of variation in the price of what you pay, so how do you know if you’re getting good value for money?&nbsp;On average, UK car owners spend around £280 on servicing each year. The age of a car is obviously a major factor.&nbsp;&nbsp;Newer cars usually have fewer problems and the manufacturer’s warranty limits the cost in the first few years. Older cars are often out of warranty and the added wear &amp; tear from more years on the road means <a href="https://www.bumper.co.uk/">the cost of service and repairs</a> goes up.&nbsp;&nbsp;And not every year is the same. You'll spend more in a year when your car has had a breakdown or is scheduled for major service, less in years when only minor services are due.&nbsp;To help you navigate the wide range of costs and price tags out there we’ve analysed the top search engine results British car services and calculated the average prices you should expect.&nbsp;&nbsp;Here’s how it breaks down:&nbsp;<h2 style="margin-left:0px;">What are the different levels of car service?&nbsp;</h2>There are normally three levels of regularly scheduled car service: interim, full, and major. Manufacturers set different intervals for each one based on the age or mileage of the vehicle.&nbsp;&nbsp;<ul><li>Interim is usually recommended every six months of 6,000 miles&nbsp;&nbsp;</li><li>Full service is usually recommended every 12 months or 12,000 miles&nbsp;&nbsp;</li><li>Major service is usually recommended every 24 months or 24,000 miles&nbsp;</li></ul>The manufacturer draws from analysis of all the vehicles of your type it has on the road. It uses repair and breakdown data to determine when you should bring the car in to the shop and what parts and fluids need looking at.&nbsp;&nbsp;As the car gets older, naturally things start to break down. Scheduled service is meant to address common issues before they turn into a problem.&nbsp;<h2 style="margin-left:0px;">How much do scheduled service tiers cost?&nbsp;</h2>As the time and replacement parts required by the mechanic go up as you move up the three levels, so does the cost. Here are the factors that determine how much time and effort servicing will take:&nbsp;<h3 style="margin-left:0px;">Engine size&nbsp;</h3>Cars with an engine size smaller than two litres will usually be less expensive to service. High-performance cars with larger engines and more expensive components will cost more. Electric vehicles and some plug-in hybrids often need specialist servicing, which comes at a higher hourly rate.&nbsp;<h3 style="margin-left:0px;">Make &amp; model&nbsp;</h3>Popular cars like the Vauxhall Corsa and Kia Sportage will typically be in the lower price range for servicing since so many of them are on the road.&nbsp; Parts are cheap and readily available and their simpler design means they’re generally faster and easier to fix.&nbsp;<h3 style="margin-left:0px;">Warranty status&nbsp;</h3>If a car’s warranty cover is still in place, the cost of a scheduled service will be capped by the policy. Of course, to sustain the warranty's validity you have to stick to the prescribed service schedule. Skipping or putting off a scheduled service to save money isn't really an option.&nbsp;<h2 style="margin-left:0px;">What do different car services cost?&nbsp;</h2>Looking at the search engine results for UK car services we've been able to come up with these average prices. For reference, we assumed a 2019 1.2 Vauxhall Corsa SXi with 42,000 miles on the odometer.&nbsp;&nbsp;<h3 style="margin-left:0px;">Cost of an oil change&nbsp;</h3>Changing engine oil and filter is usually part of an interim service, but you can also buy it as a standalone service. The average oil change and filter price was £61. Depending on the quality of engine oil and size of your engine, that price could go up.&nbsp;<h3 style="margin-left:0px;">Cost of an interim service&nbsp;</h3>The average cost of an interim service is around £96, with service centres including an average 35 checks in their interim service.&nbsp;<h3 style="margin-left:0px;">Cost of a full service&nbsp;</h3>The average cost of a full car service is currently around £158. Garages bundled in an average 53 checks in their full service.&nbsp;<h3 style="margin-left:0px;">Cost of a major service&nbsp;</h3>Not every garage offers a major service so lack of supply tends to push up the price. From those garages that do offer major car service, the average price was £219 for about 62 checks on average.&nbsp;<h2 style="margin-left:0px;">Cost of an MOT</h2>The price of a class four MOT, required for passenger vehicles that have seating capacity for eight passengers, Westminster limits the cost to £54.85 maximum. Beneath that level the price of an MOT can change significantly from one garage to the next. In some of our searches we found MOT prices as low as £20 when booked at the same time as an interim, full, or major service. Dealerships tend to charge more and most price an MOT at the maximum £54.85.&nbsp;<h3 style="margin-left:0px;">Cost of a combined MOT with service&nbsp;</h3>Since many garages offer discounts and package deals for booking an MOT together with an interval service, it makes sense to have your car serviced and get the MOT done all in one go. You’ll cut down on time without your car and save money on the overall price of a combined service.&nbsp;&nbsp;Even if the garage doesn’t offer discount, consider doing your MOT whenever your next scheduled service is due. You’ll save time and hassle, even if you don’t save money.&nbsp;Worried about how you’ll pay your next car repair bill? Consider an <a href="https://www.bumper.co.uk/">car repair loans</a> from Bumper. It’s easy and fast.&nbsp;

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Bumper discusses the different types of car services and how much they cost.

What’s the annual cost of servicing a car? | Bumper Blog

What’s the annual cost of servicing a car? 

Bumper joined National Park Rangers in woodland near Calver for a unique day of volunteering. The team worked together to collect hundreds of vintage glass bottles and ceramics that were found when the site was recently cleared due to Ash Dieback Disease. It's believed that the area was on the site of an old Victorian tip.The Team found old Heinz bottles and Bovril glasses. Items that looked of interest were sent to archaeologists for analysis.It was important for the team to clear this glass to protect the safety of the wildlife and members of the public with four-legged friends who enjoy what the Peak District has to offer. Glass can also be a wildfire hazard as heat from the sun can cause devastating damage.The Team was extremely efficient and filled all the containers before the proposed finished time – this was probably propelled by a meal booked in the local pub after!Bumper is supporting the Foundation after signing up for its Peak Partner scheme, which allows businesses to care for the National Park while meeting their Corporate Social Responsibility goals.James Jackson, CEO said: “The Peak District National Park is an incredible area, right on the doorstep of our Sheffield office.“This partnership allows us to work closely with an amazing local organisation, but also to have a positive impact on the environment. Here at Bumper, our corporate social responsibility has always been a priority for us. Working in the automotive industry, we’re acutely aware of the progress our industry needs to make toward solving the climate crisis and we know we need to be doing all we can to support this.“We’re proud residents of Sheffield and love the area surrounding our office there. The Peak District National Park Foundation not only works to conserve the environment but is also a great asset for Sheffield.Becoming a Peak Partner was a no brainer for us, and we’re thrilled to be working with the Foundation. We really enjoyed our day clearing the woodland, meeting the staff who work in the National Park and talking about our CSR goals.”The Foundation’s fundraising development officer Claire Barlow said: “We’re delighted to welcome Bumper as a Gold Peak Partner. It was great to meet the team out in the Peak District, we’d like to say a huge thank you to them for their help and look forward to working with them in the future.”<h2>The Peak District National Park Foundation</h2>The Foundation is an independent charity that cares for the Peak District National Park. Its aim is to work towards a Peak District that is conserved and enjoyed by everyone. It funds projects that care for the landscape and wildlife in the park, help fight climate change, and connect people from all backgrounds and situations to nature and the outdoors.

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Team Bumper took to the woods this month to help clear the Peak District in aid of wildlife conservation. 

Bumper volunteers with Peak District National Park | Bumper Blog

Bumper volunteers with Peak District National Park

Bumper has launched its digital payment platform for car repairs, servicing and add-ons in Germany.This marks UK-based Bumper’s debut in continental Europe, following last year’s launch in Ireland, and is part of an expansion plan which will shortly see it roll out across other key European markets.The service is launching with D+S Automobile, one of Germany’s most prominent Jaguar Land Rover retailers, following the recent Series A funding investment in Bumper by JLR’s InMotion Ventures investment arm.“We’re delighted to partner with D+S Automobile and offer its customers access to our portfolio of interest-free Buy Now, Pay Later (BNPL) and PayNow services,” said&nbsp;Jack Allman, CCO and co-founder, Bumper.“As Europe’s biggest automotive market, Germany will play a pivotal role in the growth of Bumper across the continent.“The average age of cars on German roads has increased to 9.8 years and is likely to continue to rise with the ongoing disruption of new car supplies. As these vehicles age the risk of major repairs becoming necessary also increases.&nbsp;“Our team in Germany is already talking to dealers and OEMs about how the Bumper platform is helping workshops in the UK and Ireland take the pain out of servicing and repair bills, prompting customers to authorise more work and building loyalty and satisfaction,” said Allman.The international expansion follows the Financial Times ranking Bumper as one of Europe’s fastest-growing companies in the&nbsp;<a href="https://www.ft.com/ft1000-2022">FT1000</a> for the second year in a row.

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Bumper has launched its interest-free monthly payments for car repairs in Germany. 

Bumper launches digital payment platform in Germany | Bumper Blog

Bumper launches digital payment platform in Germany

With the cost of owning a car skyrocketing, new research conducted by vehicle repairs service<a href="http://www.bumper.co.uk">&nbsp;www.bumper.co.uk</a> has found that, of those who needed repairs, UK drivers spent an average of £803 last year on car repairs.The research asked 2,320 UK drivers over the age of 18 if they have needed vehicle repairs in the last 12 months. Almost two thirds (64%) of those questioned said they did have to fork out for repairs in past 12 months, with an average cost of £803 (the lowest repair cost stated was just £37, while the highest was £1,796).The latest National Travel Survey conducted by the Department for Transport* estimated that they are approximately 35.9m driving licence holders in the UK. When multiplied by the average cost that drivers admit spending in the past year on vehicle repairs, this would mean that drivers who required motor repairs in the past year collectively spent an estimated £18.5bn.The results found that the below cities were home to the motorists who had to shell out the most on their car repairs:<ul style="list-style-type:disc;"><li>London - £1,796</li><li>Oxford - £1,587</li><li>Bristol - £1,267</li><li>Birmingham - £1,112</li><li>Exeter - £1,098</li></ul>Meanwhile, the cities which reported the lowest repair costs were found to be Liverpool (£37), Newcastle (£61) and Cardiff (£85).The survey also asked respondents what repairs they needed to pay for over the past year. The most common answers were:<ul style="list-style-type:disc;"><li>Tyre replacement - 62%</li><li>Brake repairs - 52%</li><li>Windscreen repair/replacement - 43%</li><li>Wheel alignment - 29%</li><li>Spark plug replacement - 20%</li></ul>Interestingly, drivers in the South West were more likely to need tyres replaced that the rest of the country, with 73% saying they needed this repair done. Meanwhile, in the North of England the most common repair reported was windscreen repair/replacement (59%).James Jackson, CEO of<a href="http://www.bumper.co.uk">&nbsp;www.bumper.co.uk</a>, commented:“We all know that maintaining a vehicle can be expensive, but this new research really highlights just how much vehicle owners might need to spend every year. High repair costs can leave some road users feeling unable to maintain a vehicle and therefore unable to travel for both essential reasons, such as work or childcare, and also to do the things they love, such as visit friends and family or even go on holiday.“Since the start of the year we’ve seen the cost of living increase rapidly, particularly in the motoring sector with the cost of fuel reaching record highs. It’s more important than ever that drivers are aware of the cost of repairs and different ways to manage the financial strain of this. From putting aside a little bit of money for future repairs every month, to looking into affordable buy now, pay later services, there are many ways to stay on top of your vehicle costs so that you’re not left stranded.”<h2 style="margin-left:0cm;">About Bumper:</h2>Founded in 2013, Bumper (formerly Auto Service Finance) provides an interest-free digital payment platform for vehicle repairs and services, enabling owners to spread their costs. It also delivers an instalment financing solution using proprietary AI enabled technology to facilitate real-time lending decisions.Bumper enables dealerships and garages to sell a larger proportion of red and amber work, reducing workshop downtime, with no risks or liabilities, while also creating greater customer loyalty.Named 21st fastest growing fintech in the 2022 FT1000 rankings of Europe’s fastest growing companies, Bumper works with over 3,000 dealerships and garages across the UK and Republic of Ireland, helping over 160,000 drivers to fund their servicing and repair bills.Bumper is based in London and Sheffield, with a tech development centre in Ankara, Turkey.

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A recent study by Bumper has found UK drivers spent £18bn on repairs over the last year, with an average of £803.

Motorists have spent over £18bn on repairs in the last year | Bumper Blog

UK motorists have collectively spent over £18bn on car repairs in the last year

A recent survey by the Motor Ombudsman found&nbsp;that 68% of motorists plan to decrease vehicle-related expenditure due to the current cost of living crisis.The survey of 2,000 participants revealed that 56% of car owners didn't currently have a service plan, 23% expected to delay their service and 33% expected to miss their annual recommend service entirely.Although an annual service isn’t mandatory, the check is recommended by manufacturers and is important for keeping the vehicle in good condition and safe for road users. 60% of respondents recognised the importance of an annual service and 35% understood the positive impact a service history can have on the vehicle’s resale value.The survey revealed motorists were concerned about the cost of living hike, with 87% of motorists concerned about the high cost of petrol and diesel, as well as other large increases, such as National Insurance rising to 1.25% and an increase in inflation resulting in higher supermarket goods.Consumers plan to react by cutting back on their vehicle use by walking or cycling, driving more efficiently to reduce fuel consumption, and shopping around for cheaper car insurance.<a href="https://www.bumper.co.uk/blog/guide-to-reducing-fuel-consumption">Find out more about reducing your fuel consumption.</a>Bill Fennell, Managing Director of the Motor Ombudsman, said&nbsp;“April has seen a coming together of several cost of living increases, which have unfortunately hit the wallets of consumers all at the same time. It’s therefore inevitable that something has to give, and our study has shown that servicing and vehicle maintenance is being seen as less of a priority. This is of course concerning – not following the vehicle manufacturer’s servicing schedule, and not taking their car to a garage to be looked at by a professional in the event of any mechanical problems is essentially compromising the safety and value of the vehicle.”&nbsp;<h2 style="margin-left:0px;">About Bumper</h2>Bumper’s PayLater platform puts drivers back in the driving seat by allowing them to split repairs, MOTs, services and accessories in monthly instalments, completely interest-free. Our quick and easy-to-complete applications are completed online in just a few clicks.<a href="https://www.bumper.co.uk/registration/dealership">Complete the registration form on our website for more information about how Bumper can grow your aftersales department.</a>

Bumper explores how the cost of living crisis is affecting the automotive aftersales industry. 

Motorists plan to delay service due to cost of living crisis | Bumper Blog

Motorists plan to delay service due to cost of living crisis

Bumper, the digital payment platform for vehicle repairs, services, accessories and add-ons, has announced the appointment of James Hind as a non-executive director.The co-founder and CEO of carwow brings a wealth of digital automotive experience to the business as it prepares to launch across Europe.“We’re incredibly excited to welcome James Hind as a non-executive director. His extensive experience of successfully scaling a disruptive automotive tech business in the UK, Spain and Germany will be invaluable to us,” said James Jackson, CEO and co-founder, Bumper.“As an entrepreneur James is highly regarded across the automotive sector having grown carwow from a small start-up to an international business with over 400 employees and £5bn of car sales through it in 2021 alone, so we’re thrilled to have him onboard,” he said.Speaking about his appointment Hind said: “Car repair and servicing bills are often a big financial burden for many consumers and Bumper has created a great way to spread the cost of that, helping avoid the need to take on expensive loans. Its platform is great for dealers too, providing them with a full suite of digital payment options for customers to fund workshop and add-on bills which has been a gamechanger and that shows with the huge adoption they’ve got.“I’ll be supporting the management team as they grow its operations and offerings in the UK and across Europe. I’ve followed Bumper’s rapid rise with keen interest and look forward to working with the business to assist the next phase of its growth,” he said.Hind joins Bumper following the recent expansion of its executive team with four new appointments: Francisca Gutierrez (chief product officer),&nbsp;Paul Edgecombe (chief compliance officer), Matt Williams (chief growth officer) and Leah Ellis (interim chief people officer).Last month Bumper&nbsp;was&nbsp;named by the Financial Times as one of the fastest-growing FinTechs in its FT1000 rankings of Europe’s fastest growing companies.

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Bumper has announced the appointment of James Hind as a non-executive director. The CEO and Co-founder of carwow brings a wealth of experience and knowledge to the business as it expands across Europe.

Bumper appoints carwow’s James Hind | Bumper Blog

Bumper appoints carwow’s James Hind as non-executive director

Bumper is offering LEVC taxi owners in London access to interest-free credit for servicing and repair bills.The&nbsp;Bumper&nbsp;service is being&nbsp;promoted&nbsp;through LEVC’s London Central dealership in Islington and marks the first&nbsp;collaboration&nbsp;between Bumper and a specialist electric vehicle manufacturer.Owner-drivers using the funding facility are able to spread the cost of servicing and repairing their taxis over six or nine monthly instalments, up to a total of £3,000. Also covered are accessories, extended warranty, GAP and tyres.Ryan Warren, service manager at LEVC London Central says the introduction of Bumper’s payment platform has been welcomed by taxi drivers eager to spread costs and minimise downtime.&nbsp;“Since the introduction of Bumper we have been able to assist even&nbsp;more of our customers, helping to get them&nbsp;back on the road as quickly as possible,” he said.“Many of the drivers appreciate the option of using this&nbsp;service&nbsp;following the uncertainty of the last two years and the impact it's had on taxi drivers. The option to use Bumper gives drivers peace of mind and helps them balance their finances.”Bumper is reporting a high uptake for the facility, especially from taxi owners wishing to spread the cost of GAP products.“We’re delighted to be working alongside LEVC and the team at London Central to enable London taxi owners to spread the costs of their bills and get their vehicles back on the road as soon as possible,” said Jack Allman, COO and co-founder, Bumper.“We have already proved how dealers offering our interest-free Buy Now, Pay Later (BNPL) platform can convert more aftersales work and achieve higher average invoice values because customers are empowered to finance all the work they need doing, not just what they can afford at the time.“The aftersales taxi market is an important area of growth for us and we’re planning to rollout to owner-drivers across the UK and into Europe,” he said.

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Bumper has partnered with LEVC to offer London taxi drivers interest-free payments for repairs to their vehicles.

Bumper offers taxi owners in London interest-free payments | Bumper Blog

Bumper offers LEVC taxi owners in London access to interest-free aftersales payments

Bumper ranks 21st in the Financial Times annual list of fastest-growing FinTech companies in Europe. This is the second consecutive year the business has made the list.The list is comprised of independent companies that have shown strength and resilience. To qualify businesses needed a minimum revenue of £1.2 million in 2017. Growth is then calculated as an average over the last 5 years.&nbsp;Bumper CEO and co-founder, James Jackson, said, ‘We’re delighted to be featured on the FT1000 list, and incredibly proud to be one of the fastest-growing companies in Europe for the second year in a row.’‘Over the last 12 months our growth has been powered by working with many of the top 100 dealer groups; new partnerships with Nissan, Keyloop, CitNOW and RTC; launching into Ireland and Germany, and securing £9m in Series A funding.‘We're ideally positioned to achieve further growth in 2022. Our motivation remains the same as it always has been – to put motorists back in the driving seat, by offering accessible, affordable and manageable finance solutions for everything from repairs and maintenance to accessories and more recently the addition of add-ons including GAP, service plans, warranties and paint protection.’With recent significant investments and an expanding executive team, Bumper is in a position to increase growth and continue its mission of empowering drivers.&nbsp;

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Bumper ranks as one of the top fastest-growing Fintechs in Europe for a second consecutive year. 

Financial Pressures Putting Drivers Off Car Servicing

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