Motoring Advice Archives

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

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

Why is your car not starting in the cold?

Battery

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

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

How to solve/prevent a flat battery

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

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

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

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

Car fuel system

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

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

How to solve/prevent issues with car fuel systems

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

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

Alternator or starter motor

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

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

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

How to solve/prevent issues with the alternator

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

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

Find finance in the colder months

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

10 Cold Weather Car Problems – And How to Solve Them

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

1. Frozen windscreen wipers

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

Problem solved

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

2. Spark plug failure

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

Problem solved

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

3. Chilly interiors

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

Problem solved

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

4. Dead batteries

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

Problem solved

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

5. Frozen parts

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

Problem solved

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

6. Deflating tyres

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

Problem solved

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

7. Wheelspin

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

Problem solved

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

8. Corrosion and rust

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

Problem solved

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

9. Frozen lock mechanisms

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

Problem solved

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

10. Dodgy handling

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

Problem solved

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

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

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

Upgrade your wheels this winter

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

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What is CS Car Finance?

PCP Term: Everything You Need to Know

What is a Guarantor Loan?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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Winter Car Prep: 10 Tips to Prepare Your Vehicle

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

Winter car prep: 10 things to check

Battery

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

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

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

Tyres

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

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

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

Antifreeze

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

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

Windscreen wipers

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

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

Screen wash

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

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

Lights

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

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

Carry an emergency kit

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

Breakdown cover

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

Oil and fuel

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

Take your vehicle in for a winter car service

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

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

Finance your perfect winter car

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Can You Get Cars on HP with No Deposit?

What is Hire Purchase? – Simple HP Explanation

How Much Car Finance Do I Qualify For?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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How Often Should You Replace a Car Battery?

Car batteries are the silent powerhouse of your vehicle. It’s easy to forget how important they are to the proper functioning of a car. As a result, they can be left unattended for years, which diminishes their lifespan. However, maintaining a healthy car battery is vital for optimal vehicle performance.

So, how often should you replace a car battery? Car batteries typically last between 3 to 5 years, depending on factors like your driving habits, weather and climate conditions and maintenance routines.

It’s worth establishing whether your battery is in a good state prior to hitting the road. That way, you’ll avoid unexpected breakdowns and support the reliable function of your vehicle’s electrical system.

This article breaks down the question of how often to replace a car battery for petrol and diesel vehicles. The rules for electric and hybrid batteries can vary.

Why car batteries are so important

Your car battery has a critical role in the functioning of your vehicle. It powers the engine by translating chemical energy into electrical energy and initiating combustion, but it’s also responsible for powering electrical systems and the onboard electronics.

Most modern cars now have sophisticated onboard electronics, which require more power from the battery. Everything from air conditioning systems to music players can strain battery function, increasing the risk of battery failure.

Regular car battery checks can help maintain its health and prevent any inconvenient breakdowns and unexpected expenses.

How often should you replace a car battery?

The average lifespan of a car battery is anywhere from 3 to 5 years. However, this varies based on your vehicle usage and environmental factors, including:

Climate and temperature

Extreme heat and cold will negatively impact your car battery, reducing its lifespan. Using the best battery type for your climate can minimise the impact of temperature variation on your vehicle battery.

Driving habits

Short trips and infrequent use of your car can shorten its battery life.

Driving your car regularly (at least once a week) for anywhere from 30 minutes to an hour can help maintain a healthy battery.

Electrical usage

Your car’s electrical use will impact its battery. Newer cars have highly sophisticated internal computers, which can drain a battery even when the vehicle is parked and switched off.

Never use a car’s electronics when the engine is switched off, as this will drain the battery.

Maintenance and care

Scheduling regular vehicle maintenance can help keep your battery functioning at its best.

Top tip: it’s sensible to test your battery function every year after the third year of use to ensure it’s working properly.

What are the symptoms of a dying car battery?

Slow engine crank

If you’re trying to start your car and the engine is either sputtering or groaning, that’s a sign that something is wrong with the battery.

A healthy car battery should provide a quick burst of power to start the engine. If your car is slow or sluggish to start, it can indicate a battery problem.

Equally, if you’re frequently having to jump-start your car, there may be a battery issue.

Dim headlights and electrical issues

If electricals like your car’s windows and heater are slower to operate, or if your headlights appear dimmer than usual, this may be a sign of a battery issue.

Clicking sound when turning the key

If you’re turning your car key or pressing the start button and noticing a clicking sound, this could indicate an issue with either the car starter or battery.

Check engine or battery warning light

Don’t ignore the battery symbol on your dashboard – it’s a sign there may be a fault in your alternator, battery or electrical system.

Swollen battery case

The case that your car battery is stored in can swell when exposed to extreme temperatures. If your battery case appears swollen or misshapen, this can be indicative of internal damage.

Keep an eye out for battery fluid leaks and any white, ashy material deposited on your battery terminals, which indicates corrosion. Either can signify that it’s time for a battery replacement.

Tips to help prolong your battery life

Regularly check and clean battery terminals

White, ashy material on your battery terminals can indicate their corrosion. By regularly checking and cleaning these, you prevent corrosion building and better your battery’s connectivity.

Limit short journeys

Short drives prevent your battery from fully charging – minimise these where you can.

Turn off electronics when the engine is off

Don’t use electricals like lights, radio and the AC when your engine isn’t running, as they drain the battery.

Check battery water levels

Maintain proper electrolyte levels for non-sealed batteries.

Secure the battery effectively

Ensure the car battery is always securely fastened to avoid vibrations that can damage internal components.

Regular testing and maintenance

Test your battery yearly, especially after the first three years of use.

What type of car battery do I need?

Identify your car’s battery type

Before you think about purchasing a new car battery, you’ll need to determine which one is right for your specific vehicle. For example, vehicles fitted with ‘start-stop’ technology – which turns your engine off when you’re at a standstill – will require a different type of car battery to vehicles without this tech.

Your vehicle’s owner’s manual should tell you the type of car battery for your vehicle. Alternatively, companies like Halfords have online tools that can advise on battery type once you’ve provided your registration number.

Common car battery types

There are three main types of car batteries – lead-acid, AGM (absorbent glass mat) and lithium-ion batteries.

Lead-acids are the most common car batteries because of their durability and affordability. They’re typically covered by a 3-year guarantee. Calcium car batteries offer a great alternative with a slightly higher starting power and longer guarantee.

An AGM battery is used in cars with start-stop technology. They’re more expensive but are also more durable than lead-acid.

Lithium-ion batteries power electric vehicles. They have a longer lifespan than lead-acid and are rechargeable.

Consider your driving habits

Remember, shorter journeys can wear your battery down. It’s sensible to choose a battery type that’s suitable for your driving patterns and needs.

Compatibility and performance

The right car battery for your vehicle will depend on factors like the car’s power needs and performance requirements, its specific technology, cost, weight and environmental factors.

You need to choose the most compatible car battery for your needs and usage.

Consult a professional

If you’re in doubt, always consult a professional.

How to replace a car battery safely

If you’re confident with replacing your own car battery, you can do so by taking the following steps. If you’re uncertain, always consult a professional.

Gather necessary tools: Ensure you’re wearing safety gloves and protective glasses and have both a new battery and spanner to hand.

Safety precautions: Always wear protective gear. Don’t change a car battery if the vehicle’s engine is on.

Disconnect the old battery: Locate the car battery – your vehicle’s owner manual should specify its location. Disconnect the old battery, starting with the negative terminal and ending with the positive terminal.

Do not touch any metal parts with the cable.

Remove the old battery: Safely lift and remove the old battery from the compartment.

Take care not to tip it, as you might spill battery acid.

Clean the terminals: Before installing the new battery, use a wire brush to carefully remove corrosion or residue. Rinse with clean water and thoroughly dry.

Install the new battery: To install a new battery or reconnect your existing one, connect the positive terminal first, followed by the negative.

Secure and test: Secure the battery and check its connectivity and functionality by starting your engine.

How to dispose of your car battery

In the UK, car batteries cannot be disposed of in regular household waste – they must be recycled at licensed facilities.

Batteries contain toxic chemicals like lead and acid. These can contaminate local environments if batteries are not disposed of properly, impacting both human and environmental health.

Where can I safely dispose of my old car battery?

You can dispose of car batteries at various licensed facilities. These include garages, scrap metal facilities, recycling centres and businesses like Halfords. If you’re replacing an old battery, you may be able to recycle it with the business from which you purchased your new one.

Frequently asked questions

How often should I replace my car battery?

A car battery should last from 3 to 5 years. However, this depends on factors like the battery type, usage and driving habits, climate, and vehicular maintenance and care.

Can I check my car battery’s health at home?

It’s easy to buy a voltmeter to test your battery function at home. A healthy battery should give you a voltage between 12.4 and 12.7V. Many modern batteries also have an in-built battery health indicator. You can also check for signs of battery corrosion or check how bright your car’s headlights are – they should stay stable when revving your engine.

Should you replace or recharge a car battery?

Recharging a car battery is generally a temporary solution. If you’ve left your lights on or electronics running, recharging your battery is probably appropriate. But if your car battery is over 5 years old, shows physical damage or corrosion, and doesn’t retain charge even after recharging, it should be replaced.

Discover affordable car financing with My Car Credit

An old car battery is easily replaceable – but if your car is past its prime and you’re thinking about finding another on finance, My Car Credit can help.

Use our online application form to kickstart your car finance journey, and don’t forget to check out our top motoring advice for UK drivers.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Bank Loan or PCP: Which is Right for You?

Car Finance: A Complete Guide

What is CS Car Finance?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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Which Cars Support Apple CarPlay?

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

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

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

What is Apple CarPlay?

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

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

Which cars support CarPlay?

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

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

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Electric Car: Lease vs Buy – Which is Best?

How to Get Car Finance with Poor Credit

I want to buy a car on finance, how much can I borrow?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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What is a Digital Dash – and Is It Worth It?

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

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

Digital dashboard vs classic dashboard

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

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

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

Is a digital dash worth it?

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

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

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

Helping you drive the car of your dreams

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

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

How Long Does It Take to Buy a Car?

Can You Modify a Car on HP Finance?

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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

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Should I Keep My Car Until It Dies?

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

Should I keep my car until it dies?

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

Fuel

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

Repairs

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

Your finances

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

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

Find your dream car finance today

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What’s the Cheapest Way to Finance a Car?

5 Different Ways to Pay for a Car

What is a Balloon Payment on a Car Loan?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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How to Find Out the Service History of a Car

Clean engine thanks to full service history

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

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

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

What is the service history of a car?

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

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

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

What is a Full Service History of a car?

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

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

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

The role of a service book

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

What is a Full Dealer Service History?

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

What is a partial service history?

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

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

How can I find the service history of my car?

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

Ask the owner to contact the regular service provider

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

Contact the Driver and Vehicle Licensing Agency (DVLA)

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

Watch out for forged FSH

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

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

The bottom line on accessing a service history

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

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

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

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Evolution Funding Ltd T/A My Car Credit

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No Deposit Car Finance – How Does it Work?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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How to Save Money on Car Insurance

Man on phone trying to save money on car insurance

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

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

How much does the average Brit pay for car insurance?

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

Drive a less powerful car

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

Understand insurance groups

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

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

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

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

Consider your no-claims discount

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

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

Put less miles on the odometer

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

Opt for fully comprehensive cover

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

Pay an annual premium

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

Consider skipping extras

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

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

How much can I expect to save on car insurance?

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

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

HP, Conditional, PCP: The Lowdown on Car Finance Options

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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

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A Beginner’s Guide to Finding Car Insurance for Electric Cars

Electric cars have gone from futuristic novelty to everyday reality. Whether it’s a Tesla gliding down the M1, a Nissan Leaf squeezing into a tight space in London, or a MG4 tackling the hills of the Peak District, EVs are everywhere. And the movement isn’t slowing down. With ULEZ zones expanding, petrol and diesel bans looming and charging points popping up faster than Costa outlets, more and more British drivers are making the switch.

The numbers say it all. At the start of 2025, over 1.4 million fully electric cars were registered in the UK. This accounts for just over 4% of all cars on British roads. Back in 2021, that figure was just 1.2%, meaning the number has more than tripled in just a few years. Safe to say, EVs are here to stay.

One thing that catches many new EV owners out? Insurance. It’s easy to assume car insurance for electric cars works the same way as petrol or diesel cover. Until you start looking at policies and realise that things like battery cover, charging cables and specialist repairs make a difference.

If you’re considering buying an EV or switching your insurance, this guide breaks down everything you need to know about finding car insurance for electric cars, without the faff.

What is electric car insurance?

Electric car insurance isn’t wildly different from standard insurance, but EVs come with a few quirks. The key differences?

Battery cover – EV batteries aren’t cheap, and some policies don’t cover them if they’re leased.
Specialist repairs – Fewer mechanics are trained to fix EVs, which means repairs can cost more.
Charging equipment – Some policies protect charging cables, home charge points and even public charge mishaps (like if someone trips over your cable).

Because of these factors, EV insurance can be priced differently. Sometimes more, sometimes less, depending on the insurer and the model.

The bottom line? No matter what model you drive, having the right insurance matters. Whether it’s covering costly battery repairs, protecting your home charger or ensuring you’re not left footing the bill for third-party incidents, insurance for electric cars keeps you financially secure. With the growing number of electric cars on UK roads, insurers are adapting and offering tailored policies to give EV owners peace of mind. But it’s crucial to check exactly what’s covered before you commit.

The future of electric vehicles

With the 2030 petrol and diesel ban creeping closer, the transition to electric is well underway. The number of EVs on UK roads has tripled since 2021, and it’s only going up from here.

How does this affect insurance?

More insurers offering EV cover – Specialist policies are now common.
Cheaper premiums over time – As EVs become the norm, insurance prices will stabilise.
More second-hand EVs available – This means lower purchase prices and, in turn, lower insurance costs.
Government incentives – Perks like reduced Vehicle Excise Duty (VED) for zero-emission cars also make EV ownership more appealing.

Do insurers cover electric cars?

Yes. Most major companies, including Aviva, Direct Line and Admiral, offer car insurance for electric cars. Some providers even offer EV-specific policies, covering things like:

Battery repairs and replacement
Charging cable protection
Breakdown cover with mobile charging

Own a Tesla, Polestar or Porsche Taycan? Some policies require repairs to be done at manufacturer-approved centres, so check the small print.

Types of electric car insurance cover

Not all car insurance policies offer the same level of protection, and that’s especially true for EVs. Whether you’re driving a budget-friendly Dacia Spring, a mid-range Kia EV6 or a high-performance Mercedes-Benz EQS Saloon, the type of cover you choose can make a big difference if something goes wrong.

Here’s a breakdown of the main options:

Third-party only (TPO)

Covers damage to other vehicles and property.

Won’t cover your own EV. So if you’ve spent serious money on a Tesla Model Y or a Polestar 2, this could leave you out of pocket.

TPO is the bare minimum level of cover required by law. It’s often chosen by drivers of older, lower-value cars where repair costs wouldn’t justify a pricier policy. But with EVs generally costing more than petrol or diesel cars, this level of insurance for electric cars isn’t always the smartest choice.

Third-party, fire & theft (TPFT)

Adds theft and fire protection on top of third-party cover.

Still won’t cover your own EV if you crash or it gets damaged in an accident.

TPFT gives some extra peace of mind, especially as EVs are becoming a bigger target for thieves due to their expensive batteries and high-tech features. For example, some models, like the Kia E-Niro Electric Estate and Hyundai Ioniq 5, have been flagged as attractive to thieves because of their keyless entry systems. If you’re worried about battery theft or fire damage, this policy at least offers a step up from basic third-party cover.

Comprehensive insurance

✔ Covers everything. Your car, other cars, theft, fire and more. Basically, total peace of mind.
✔ Best for EVs because of the higher cost of repairs.

Comprehensive insurance is usually the best option for EV drivers. With repair costs higher than petrol or diesel cars (especially if something goes wrong with the battery) it makes sense to have full cover.

Let’s say you own a Volkswagen ID.4 and someone scrapes it in a car park and drives off. If you only have TPO or TPFT cover, you’ll be paying for those repairs yourself. But with comprehensive car insurance for electric cars, your insurer steps in to cover the damage.

Why choosing the right cover matters

EVs in the UK range from £15,000 for budget models like the Dacia Spring to £100,000+ for luxury vehicles like the BMW i7. Or if you’re feeling really fancy, the Rolls-Royce Spectre starts at a cool £330,000.

No matter what you drive, getting the right level of cover is important. Your policy will depend on:

The car’s value – A used Nissan Leaf might not need the same cover as a brand-new BMW iX SUV.
How often you drive – Full coverage makes more sense if you’re racking up miles for work.
Charging arrangements – If you rely on public chargers, cover for charging cables and accidental damage is worth considering.

With EV technology still evolving, repair costs remain higher than traditional cars, so opting for comprehensive cover is often the safest bet. A little extra on your monthly premium now could save you thousands later.

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

EVs come with unique risks, so extra cover can make sense. Consider add-ons like:

Battery protection – If your battery isn’t covered, a replacement could set you back £5,000–£10,000.
Charging cable cover – Theft, damage and third-party liability (because tripping over a cable is a real risk).
Home charger cover – Some insurers cover damage or theft of your wall-mounted charge point.
Breakdown cover – Some providers now offer mobile charging if you run out of juice mid-journey.

Given the higher repair costs and specialist nature of EVs, checking your policy for these extras is essential. Whether it’s battery protection or charging equipment cover, having the right add-ons can save you money and hassle in the long run. A quick policy review now ensures you’re fully covered, before you need to make a claim.

How do you insure an electric car?

Insurance for electric cars is straightforward, granted you do the homework:

Compare quotes – Some insurers charge a premium for EVs, so shopping around pays off.
Choose the right coverage – Your policy should be based on the vehicle’s value and your individual needs.
Provide detailed information – You’ll need to disclose relevant information about the car, including battery type and charging requirements. Our advice? Be as thorough as possible when insuring electric cars.
Check insurance extras – Read the fine print and make sure you’re clear on coverage for extras like the battery and cables.
Declare modifications – Software updates and aftermarket chargers can affect premiums.

Does it cost more to insure an electric car?

It depends on the model. Some EVs cost more to insure because of battery replacement costs and specialist repairs. Others are cheaper, thanks to fewer moving parts and lower accident rates.

Policies can creep up due to:

- EV battery replacement costs – These can surpass £10,000 if not under warranty.
- Specialist repairs – Not all garages can fix EVs, so some insurers charge more.

Limited data for insurers – Insurance relies on statistics, and with EVs still relatively new, there’s less data available compared to petrol and diesel cars. The good news? As more EVs hit the road, insurers gain a better understanding of risks and repair costs, which should lead to more competitive premiums in the future.

Ways to save on EV insurance

Go for a model with lower repair costs – A Fiat Grande Panda or Citroen e-C3 costs less to insure than a high-end EV.
Improve security – Driveway parking and steering locks can reduce premiums.
Increase voluntary excess – A higher excess can lower monthly payments.

Electric car insurance should stabilise as EVs become the norm, just as it does with petrol and diesel cars. With more trained mechanics, better parts availability and insurer competition, premiums will likely become more affordable over time.

Financing an electric vehicle

There’s no sugarcoating it – EVs cost more upfront. While running costs are lower (no fuel, fewer mechanical issues and cheaper road tax for starters) the initial price tag can feel steep. That’s where car finance helps make EV ownership more accessible.

Here’s a look at your options:

PCP (personal contract purchase)

PCP offers lower monthly payments because you’re only paying for the car’s depreciation, rather than the full value. At the end of the term, you can buy the car outright, return it or part-exchange it for a newer model.

Lots of flexibility makes PCP ideal for EV drivers who like to upgrade as battery technology improves. It’s also great for models like the Tesla Model 3 or Porsche Taycan, where residual values tend to stay high.

HP (hire purchase)

HP spreads the full cost of the car over monthly instalments, so by the end of the term, you own the vehicle outright. No balloon payment required. Monthly payments are higher than PCP but there’s no mileage limit and you won’t need to decide whether to hand the car back.

If you’re planning to keep an EV long-term, HP makes sense for reliable models like the Mini Electric or Volkswagen e-Up.

Leasing

Leasing is like a long-term rental, with fixed monthly payments and no option to buy at the end. Since EV technology is evolving quickly, leasing allows you to upgrade to a new model every few years without worrying about depreciation.

Great if you want to experience the latest tech, like the Renault 5 Turbo 3E, Range Rover EV and BMW iX3 2025, without committing to ownership.

Government incentives and grants

The UK government offers various incentives to make EV ownership more affordable. These include:

OZEV electric vehicle chargepoint grants – Get up to £350 or 75% off the cost of installing a home charger.
Salary sacrifice schemes – Employees can save on an EV by leasing through their employer, thanks to tax-efficient salary sacrifice schemes.
Company car tax savings – EVs attract a much lower Benefit-in-Kind (BiK) tax rate (currently 2%), making them a cheaper option for company car drivers compared to petrol or diesel models.
ULEZ and Clean Air Zone exemptions – Electric vehicles are exempt from Ultra Low Emission Zone (ULEZ) charges and Clean Air Zones (CAZ).

With more financial incentives and falling EV prices, switching to electric is becoming more cost-effective, especially with the right finance plan.

Affordable car finance with My Car Credit

At My Car Credit, we help drivers secure affordable finance for EVs, whether you’re after PCP, HP or leasing options. With access to a wide panel of lenders, we help match you with a finance deal that fits your budget. Thinking about going electric? We’ll guide you through the process, so you can drive away in the right EV without overstretching your finances.

Partner with us and you’ll get:

Competitive rates from trusted UK lenders
A hassle-free online application
Quick decisions and flexible repayment options

Take the hassle out of EV financing

With over 1.4 million electric cars now on UK roads, EV ownership is no longer niche. As the market expands, insurance options are becoming more competitive. Checking battery cover, comparing quotes and understanding how EV repairs affect premiums will help you secure the right protection without overpaying.

Looking to finance an EV? My Car Credit offers flexible options to help spread the cost. Our friendly team is here to answer all your questions about finance agreements, electric car insurance and more.

Apply online today and start your electric journey with confidence.

Frequently asked questions about car insurance for electric cars

What is the best insurance for electric cars?

A comprehensive policy usually offers the best protection. Compare quotes to find a good deal and select coverage based on the vehicle’s specs and usage.

Can you insure an electric car without battery cover?

Yes, but battery repairs are costly. Full cover reduces financial risk.

Does my insurance cover charging cables?

Some electric car insurance policies do but it’s always worth checking. Theft and accidental damage may not be included.

Other helpful guides

8 Benefits of Getting an Electric Car on Finance

Electric Car: Lease vs Buy – Which is Best?

Electric Car FAQs – Where to Charge?

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

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car insurance cost of living electric EV tesla

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%

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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%

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

Winter car prep: 10 things to check

Finance your perfect winter car

Rates from 9.9% APR. Representative APR 10.9%

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Why car batteries are so important

How often should you replace a car battery?

Climate and temperature

Driving habits

Electrical usage

Maintenance and care

What are the symptoms of a dying car battery?

Slow engine crank

Dim headlights and electrical issues

Clicking sound when turning the key

Check engine or battery warning light

Swollen battery case

Tips to help prolong your battery life

Regularly check and clean battery terminals

Limit short journeys

Turn off electronics when the engine is off

Check battery water levels

Secure the battery effectively

Regular testing and maintenance

What type of car battery do I need?

Identify your car’s battery type

Common car battery types

Consider your driving habits

Compatibility and performance

Consult a professional

How to replace a car battery safely

How to dispose of your car battery

Where can I safely dispose of my old car battery?

Frequently asked questions

How often should I replace my car battery?

Can I check my car battery’s health at home?

Should you replace or recharge a car battery?

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