Motoring Advice Archives

Car Emissions – How to Reduce Your Carbon Footprint

cars in a traffic jam giving off car emissions

From zippy Ford Fiestas to tough-as-nails Land Rovers, vehicle emissions are one of the biggest contributors to air pollution in the UK. The Royal College of Physicians estimates air pollution claims the lives of more than 40,000 Brits a year. This makes all the more essential to reduce emissions wherever possible.

So, what can you do to slash car emissions and minimise your carbon footprint? Read on for some easy ways to get from A to B as efficiently as possible.

1. Quit idling

You can’t always avoid idling in traffic. However, scenarios like collecting the kids from school or waiting for a partner to pick up a few supplies from the supermarket create unnecessary emissions. According to Westminster City Council in London, idling cars produce enough exhaust to fill 150 balloons every minute.

These car emissions are laced with gases like carbon dioxide and carbon monoxide. Not only do these contribute to air pollution and climate change but are also linked to respiratory issues like asthma and lung disease. Turning off your engine where possible is one of the easiest and most effective ways to reduce your emissions and tread a little lighter on the planet.

2. Carpool

Want to literally slash your emissions by 50%? Carpooling is a hugely effective way to reduce your carbon footprint and unlock fuel savings in the process. It works particularly well for commuters, school runs and multifamily holidays. Furthermore, you may discover other great scenarios where carpooling works a treat. The more passengers you add, the greater the savings!

3. Drive less

Simple lifestyle changes like walking to your local high street instead of driving can have a big impact on your carbon footprint. You’ll also be working towards the recommended 30 minutes of exercise per day. Consequently, this makes driving less a great way to improve your health and care for the planet. Even better, many insurers now offer reduced premiums for motorists who use their cars less.

4. Enjoy a smoother ride

When you’re behind the wheel, efficient driving is one of the best ways to minimise emissions and reduce your carbon footprint. Go easy on the accelerator, especially if you’re driving in the city. Obviously, it’s pointless to rapidly increase your speed only to be slowed down at a traffic light. You should also avoid erratic braking as this can heighten your fuel consumption and increase emissions. Essentially, you want to keep your driving as smooth and fluid as possible.

5. Service your car regularly

From oil changes to tyre alignment checks, regularly servicing your car can help unlock better fuel mileage and reduce your environmental footprint. A well maintained vehicle will also save you money at the forecourt, making it a win-win situation for your wallet and Mother Nature.

6. Check your tyre pressure

Driving with the right tyre pressure can drastically improve your fuel economy and reduce emissions. Studies suggest under-inflated tyres can increase fuel consumption by as much as 5% due to higher rolling resistance and temperatures. This translates to higher emissions, as well as faster wear and decreased tread life. A quick Google search should pull up the correct tyre pressure for your vehicle make, model and year.

7. Replace worn tyres

Driving with worn out tyres not only reduces performance but significantly increases your emissions. A recent study from Emissions Analytics revealed just how damaging worn tyres can be. Senior researcher Richard Lofthouse warned, “It’s time to consider not just what comes out of a car’s exhaust pipe but particle pollution from tyre and brake wear. Our initial tests reveal that there can be a shocking amount of particle pollution from tyres – 1,000 times worse than emissions from a car’s exhaust.”

He adds that tighter rules are needed to monitor non-exhaust emissions (NEE), which are “totally unregulated” and pose a major threat to British air quality. The bottom line? Staying on top of your tread and replacing your tyres when necessary can have a big impact on your carbon footprint.

8. Skip the air conditioning

If you really want to bring down your carbon emissions, consider skipping the air conditioning and opting for a rolled down window instead. Turning on the AC places extra stress on the engine which can result in a 20% increase in fuel consumption. In fact, this makes it one of the most demanding auxiliary features of your car. The impact is especially noticeable at low speeds, so try to keep your use as low as possible during city drives.

9. Embrace cruise control

Cruise control is a great way to maintain a steady speed on longer drivers. Unnecessarily slowing down and speeding up can burn through fuel and ramp up your emissions. The upside is that this makes cruise control a great way to reduce your fuel consumption and minimise your environmental footprint.

10. Clean out your car

Maybe it’s a few bags of charity store donations in the back seat or a boot full of beach gear you’ve been meaning to unload since last weekend. Whatever the case, removing excess luggage from your car is a guaranteed way to reduce your carbon footprint. Vehicle weight has a direct impact on fuel efficiency, with a recent Canadian study suggesting reducing weight by 10kg translates to savings of $104 over 200,000km – that’s around £75.

11. Choose the right car for your needs

Reviewing the suitability of your vehicle can have big implications for your carbon footprint. For example, if you own a 4WD but mostly use it for school runs and supermarket trips, it could be worth switching to a smaller and more fuel efficient vehicle. Alternatively, you might prefer to purchase a second vehicle for city use and save the 4WD for longer trips. Every motorist is unique, so take the time to analyse your situation and make an informed decision.

12. Upgrade your vehicle

New vehicles are more fuel efficient than ever, with models like the 1.5-litre four-cylinder diesel engine Peugeot 208 offering an impressive fuel economy rating of 73.6mpg. When running on petrol, the Peugeot 108 boasts a 58.9mpg rating, making it one of the best-performing cars on the market. If you drive an older vehicle, upgrading to a newer model could have an incredible impact on your emissions and carbon footprint.

Best of all, it’s easier than you think. My Car Credit is helping Brits across the country unlock the best car finance rates from top lenders, including car finance with poor credit.

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

6 Driving Tips to Save on Petrol

Man driving his car wondering how to save petrol

In May 2021, the RAC Foundation predicted that June would see fuel prices rise for the seventh consecutive month. With this in mind, saving money at the forecourt remains a top priority for British motorists. Tracking down the cheapest fuel prices in your local area is one way to save on petrol. But did you know there are also some easy tips and tricks you can utilise to minimise your fuel consumption? Here’s how.

1. Stop idling

Do you tend to keep the motor running while you’re waiting for the kids to come out of the school gate? Maybe you don’t bother to switch off the engine while your partner pops into the shop for milk?

Whilst this can seem harmless, idling can waste up to two litres of fuel per hour. What’s more, idling can release more than 5kg of CO2 into the atmosphere. Saying no to idling can also save lives, with the Royal College of Physicians warning air pollution claims around 40,000 British lives every year, with idling a key contributor.

“Whether it is outside schools, picking up relatives from stations, or in a car park, we can all do our bit by switching off our engines and reducing our emissions,” says RAC roads policy spokesman Nicholas Lyes.

2. Inflate your tyres

The firmness of your tyres can have an enormous impact on your fuel consumption. For example, Michelin warn that British motorists waste a huge £246 million a year driving on underinflated tyres. Not only does this result in your engine guzzling fuel, but it also increases your emissions.

Be sure to check your tyre pressure regularly and head straight to the forecourt if something looks off. Wheel alignment can also play a role in increasing fuel consumption. This can have the effect of compromising the smoothness of the ride, and forcing the engine to work overtime.

3. Don’t overaccelerate

While it’s tempting to speed up when taking off from a traffic light or give the speedometer a workout on the motorway, overaccelerating is one of the fastest ways to burn fuel. Smoother accelerations will keep your petrol consumption down. What’s more, your passengers will have a far more comfortable ride.

4. Carrying unnecessary weight

Do you wait a week before unpacking your car from a camping trip? Maybe you have a bad habit of carting around your golf clubs. Perhaps you continually forget to drop off that bag of books at the charity shop. Whatever your vice, extra weight translates to increased fuel consumption. Your engine has to work harder to move extra weight. As such, if your car is packed with unnecessary items it could be time for a cleanout.

5. Roof racks in the city

While roof racks can be incredibly useful on road trips, they do compromise the aerodynamism of your car. The extra bulk increases drag and forces the engine to work harder and burn more fuel. Furthermore, even empty roof racks can result in a 15% increase in fuel consumption. If your roof racks are easy enough to remove while not in use it could be worth putting them in storage.

Roof boxes are also something to watch, with data suggesting even when empty they can increase fuel consumption by up to 25%. Again, they’re great when you’re travelling long distances and need extra storage space. Conversely, for everyday journeys, they’re obsolete and should be removed if possible.

6. Upgrade to an eco-friendly vehicle

Cutting down on idling, checking your tyre pressure, avoiding over acceleration, clearing out your car and taking off your roof racks can all help to save petrol. But nothing compares to the benefits of a fuel-efficient car. For example, the Peugeot 208 is one of the most efficient internal combustion powered vehicles available in the UK, offering impressive fuel economy of 73.6mpg.

Of course, EVs are the ultimate petrol saving solution. With an electric engine you’ll eliminate the need to fill up at the forecourt entirely. Instead, models like the Nissan Leaf and Tesla Model 3 plug into power outlets and take you from A to B with zero fossil fuels.

Make the switch a little easier

Thinking of upgrading to a more fuel-efficient car? At My Car Credit we’re experts in all things finance. Whether you’re looking to purchase a brand-new luxury SUV or a second-hand hybrid hatchback, we offer tailored car finance solutions, from those with a flawless credit history to car finance with poor credit.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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

5 Different Ways to Pay for a Car

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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Petrol and Diesel Ban – What It Means for Car Buying

Petrol station in mist following the 2030 petrol and diesel ban

The sale of new petrol and diesel cars in the UK will end by 2030. A lot has happened in the last 12 months, so this might have escaped you when it was first released. However, it’s essential for motorists to understand what they can and can’t purchase before they enter negotiations.

The last thing you want is to waste money on a vehicle that is basically prohibited. Therefore, it’s imperative to look into what the petrol and diesel ban means and how it might affect you in the future.

The petrol and diesel ban – what is it?

The petrol and diesel ban is pretty much what it says on the tin. The government is attempting to lower carbon emissions and cut the UK’s CO2 footprint by acting against non-electric vehicles. EVs are notoriously eco-friendly since they don’t use fossil fuels to create energy. Instead, they run off a battery that’s powered by electricity.

Originally, the ban was scheduled for 2035. However, the government has seen fit to bring it forward five years. That means you won’t be able to buy a new car that runs off diesel or petrol in the UK from 2030.

What about old cars?

You can still drive petrol and diesel vehicles after this date. The ban only applies to cars that are being manufactured. This means that the latest makes and models won’t be available in these traditional specs. Of course, if the smell of petrol wakes you up in the morning, you can always opt for a second-hand or used motor.

Additionally, hybrid vehicles aren’t currently included in the ban. As a result, you will be able to purchase a hybrid car with a diesel or petrol engine and switch between modes.

What impact will the ban have on UK motorists?

There are a number of expected knock-on effects of the petrol and diesel ban. The first is an increase in the purchase of EVs. With new petrol and diesel cars out of bounds, the only way to get your hands on a brand spanking new vehicle is to go electric.

Secondly, this should mean the production of EVs ramps up a notch. That should also see the costs involved in buying and leasing electric cars plummet dramatically. This is because the technology will be more accessible, making EVs cheaper to manufacture. From a buying perspective, you should notice a significant drop in the fees associated with owning or renting an EV.

Let My Car Credit help you

When it comes to spreading the cost of a new car, customers always have one question at the back of their minds – how much does car finance cost? While there isn’t a one-size-fits-all rate, if EVs are less expensive to run and operate, they’ll be cheaper to buy too.

At My Car Credit, we’re committed to finding a great deal for customers based on their specific circumstances. Maybe you’ve got a great credit history and want to stick with petrol or you’re ready to make the switch but worried about your credit score. Whichever, simply get in touch with our team and we’ll guide you through the car finance process.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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What’s the Cheapest Way to Finance a Car?

8 Advantages and Disadvantages of a Balloon Payment

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

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Premium Petrol – Is It Worth It?

Friends on a road trip using premium petrol for better mileage

For the average motorist, saving money any way you can is worthwhile. Avoiding premium petrol is just one way to lower the running costs involved with driving. But if you’ve read into it, you may be confused about whether premium petrol is a necessity or not.

Is it worth the extra investment, or should you stick with the regular petrol found on most UK forecourts?

What is premium petrol?

The science behind premium fuel can get complicated, so let’s stick with a watered-down version. Typically, petrol has a basic rating, which is 95 octane in Britain. The octane in premium petrol is higher – it’s between 97 to 98. Theoretically, a greater octane should make your car run better as the engine’s compression rate is higher.

Why theoretically? A higher octane is only effective if a vehicle’s engine is tuned to process it correctly. In the UK, most cars are setup to deal with standard petrol. That means using premium fuel in a car that doesn’t need it will likely result in no significant improvement in performance.

To make the most of premium petrol, you need to purchase a car that specifically requires 98 octane fuel. However, they are often more expensive and will cost you a lot more to purchase.

Premium petrol: the verdict

Is premium fuel worth it? The answer is yes if your car specifically needs it to run as it will prevent the engine from breaking down. But if it doesn’t, it will only cost you more in the long run.

It’s up to you whether you prioritise better performance with a high-end car and premium petrol, or just affordability with a normal car and standard petrol. Whatever the case, a car finance eligibility check will help you figure out how to spread the cost and make both options more affordable.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

How Do Balloon Payments Work?

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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

premium fuel premium petrol

4 New Car Security Devices to Protect Your Vehicle

Friends out shopping happy knowing their cars are safe

If only driving was as simple as getting behind the wheel and hitting the open road! Sadly, there is a dark side to motoring, which means it’s your responsibility to keep your vehicle as secure as possible. If you don’t, you might end up with a steep bill for repairs, while your insurance premiums will almost certainly skyrocket.

Don’t worry. It isn’t all doom and gloom. The car security industry is always advancing, making it easier than ever to secure your motor. Not sure where to start? Take a look at our top four picks from this year’s car security devices.

1. DroneMobile X1 LTE

Overall, car security devices don’t come much better than the DroneMobile X1 LTE. While the name is a mouthful, it’s well worth getting familiar with this alarm system because it’s brilliant at multitasking.

For starters, it does more than sound an alarm when a thief attempts to jack your vehicle. Instead, it tracks the car via cellular signals, meaning you’ll always have its location as long as you have signal.

There’s a specialised app, too, so every notification lands on your phone in seconds and keeps you up to date. It requires installing professionally, but that’s a small price to pay for the extensive peace of mind it provides.

2. Avital 5305L

The Avital 5305L is equipped with all the bells and whistles you need from a car security device. Firstly, the alarm itself reaches a max of 120-decibels, which is enough to scare away even the most determined criminal. If they are persistent and the noise and lights don’t warn them off, the panic mode button will notify the authorities right away. And, if someone other than you manages to get the vehicle started without your permission, there’s a kill switch that stops carjackers dead in their tracks.

3. Stoplock Pro Elite Steering Wheel Lock

Yes, steering wheel locks are still useful tools in 2021. The fact they are much cheaper than a full-fledged alarm system makes them a smart car security device for the average motorist.

According to Auto Express, the Stoplock Pro Elite is at the top of the list. The deep curve in the shaft means it can be fitted to large wheels, while the groove makes it harder for thieves to remove it. In fact, someone would have to pretty much remove the steering wheel to release the double hooks, which is very counterproductive!

4. MONOJOY Signal Blocker

A modern way to gain entry to a vehicle is to boost the signal of the car’s keys, tricking the sensor into opening the doors. Thankfully, a signal blocker like MONOJOY is an affordable and straightforward way to prevent the signal from venturing further than the pouch since it blocks entirely. As long as your keys are inside it, only you can open your car.

Invaluable car security

Car security devices are invaluable, providing peace of mind that your car is safe. But what about financial security when you’re buying your next car? That’s where My Car Credit comes in.

Using our large network of trusted lenders, we make it easy to check your car finance eligibility, apply for a loan and get a great deal, whatever your credit history. With affordable monthly repayments, you can be secure in the knowledge that your new car won’t break the bank.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Car Finance for First Time Drivers: A Beginner’s Guide

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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 SORN Your Car

If you own a vehicle you don’t use, you might think there’s no need to tax it. However, the law doesn’t see it the same way, which means you must SORN your car to avoid receiving a nasty letter.

Of course, you might not have heard of the process before, never mind how to do it and why it’s essential. In this short guide, we’ll walk you through everything you need to consider to adhere to the rules of the road and get peace of mind.

What is SORN?

SORN stands for Statutory Off Road Notification. In short, it means that any vehicle that is on the SORN database is considered to be off the road. As a result, you don’t have to waste money on tax, MOT and insurance because the DVLA are aware of your circumstances.

Why is SORN important?

For the DVLA, SORN is a way to make sure that cars are always properly taxed. Before the internet and technological devices took off, it was challenging for the agency to know if vehicles were legally off the road or untaxed. After all, millions of cars changed hands regularly.

From your point of view, applying for a SORN can negate potentially dire consequences. Forget about the fine – it can reach £1,000 – instead, focus on your insurance policy that will be voided if it’s technically untaxed.

How do you SORN a vehicle?

The good news is, applying for SORN is incredibly easy. You can do it by post or email, yet the easiest option is to head to the government website. Here you can input your licence plate number and the corresponding 11-digit reference from the car’s V5C logbook. It’s 16-digits if you have a V11. Follow the instructions on the screen and you’ll have confirmation in a matter of minutes.

Don’t worry if you need to tax your car again. It will automatically restart when you purchase tax.

SORN or sell?

If you’re planning to SORN your car because it’s out of use, it’s worth considering whether selling would be a better option. While it might seem worthless to you, an old car can be used for part exchange on a newer model. Alternatively, it can simply be sold and used as your deposit on a new ride.

For the rest of the costs, you can count on My Car Credit. We use a large network of lenders to find great deals for drivers with a wide range of credit profiles. Use our car finance calculator today to get a better idea of the costs for your next car.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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Is there such a thing as guaranteed car finance?

What is the Oldest Car a Bank Will 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

DVLA SORN

Our Top 3 Best Dash Cam 2021

person installing a dash cam in their car

Did you know there are 38.8 million licenced vehicles on the road in the UK? It doesn’t matter whether you’re a good driver or not because you could be undone by the sheer number of motorists. It only takes one to ruin your day and your insurance premiums!

Thankfully, the best dash cams of 2021 present an effective and affordable solution to the potential problem. With an HD camera covering your front, rear and side, you will have evidence should the worst happen. All that’s left is to figure out is which cameras are worth investing in, something this post can help you with.

Read on for our guide to the best dash cams in 2021, including the most advanced, best for all-round coverage and the easiest to use.

What are the benefits of dash cams?

The best dash cams 2021 are advanced pieces of equipment that contain the latest features. As a result, they can affect your life in a big way, which is something lots of drivers don’t understand. With that in mind, here are the top three reasons to invest in a high-definition camera.

1. Lower insurance premiums

Insurance is the most expensive part of owning a car, after paying for the vehicle itself. Therefore, you should try and cut the costs of your yearly policy at every opportunity, and a dash cam is an ideal solution because it’s proven to lower your fees.

Think of it as having a black box in your car recording your mileage. Insurers look favourably on the best dash cameras as they will usually reveal who is at fault for an accident. That means less chance of a payout for them, should someone hit your car. Which? reports that specific companies offer as much as 15% discount if you opt for a certain brand of camera, such as Nextbase.

2. Higher safety & security

A dash cam works in the same manner as a CCTV system. Studies highlight that thieves and burglars are less likely to target homes due to closed-circuit television set-ups boosting the odds of being identified. The same applies to dash cameras as your fellow motorists don’t want evidence of their poor driving.

Not to scare you, but some people are out to make a quick buck from your good nature and won’t hesitate to crash into you for cash. While “crash-for-cash” schemes are less prominent than a couple of years ago, they remain prevalent enough to take action. This is especially the case if you’re looking for car finance with poor credit and don’t want steep repayments.

The best dash cams of 2021 tell bad drivers and scammers that you should be avoided because you’ll have proof that the incident wasn’t your fault. Even better, you’ll have evidence they did it on purpose, which could lead to civil and criminal charges, depending on the severity of the situation.

3. Peace of mind

Driving shouldn’t be stressful. Of course, irresponsible motorists mean you can’t help but worry. A dash camera will take your cortisol levels down a notch by giving you peace of mind. You already know the odds of a fraudster targeting you are low since they are easily recognised.

The other side of the coin is, you know that you won’t be held responsible if an unavoidable situation occurs. As long as you drive safely and follow the Highway Code, your dash camera will showcase the other person’s incompetence.

Yes, your insurance will be impacted as a result of any incident, if either party makes a claim. Still, it could be worse if they didn’t own up to their mistakes and the insurance parties couldn’t decide who is at fault. With a camera, the file means the evidence lasts until you decide to delete it.

Top 3 best dash cams 2021

1. Nextbase 622GW – The most advanced

If you’re happy to spend a little extra for total peace of mind, the Nextbase 622GW is the best dash cam on the market in 2021 because it goes above and beyond. For example, Alexa voice control and What3Words are in-built into the camera, meaning you can execute commands without operating it manually and send a unique location if you get lost.

The video quality is superb too, with 4K capabilities that capture images and videos at 30fps on the 622GW model. It’s almost like watching a movie at a cinema or on your HD TV. This is a great feature because the footage is easy to see even when the lighting is poor, such as when you’re driving at night. Plus, Nextbase offers insurance to UK drivers, and you can get as much as 30% off if you purchase the 622GW.

2. Viofo A129 Pro Duo – The front & rear all-rounder

The main feature of the Viofo A129 Pro Duo is the dual-recording element, which means it can run front and back cameras simultaneously. For motorists who want to cover every base, the Pro Duo is a must-have since there isn’t much you can’t record once it’s installed.

However, it’s more than a jack of all trades. Thanks to its 3840 x 2160p recording capacity, you can get images and footage in 4K at 30fps. That’s the same as the Nextbase 622GW, which is considerably more expensive. Although it doesn’t have the same fancy gadgets, it does have practical components you’ll love. For instance, the battery is powered by supercapacitors so that it lasts longer without harming performance.

Also, there is an in-built GPS tracker. That isn’t rare in dash cams, yet it doesn’t often come included as standard. With Viofo, it’s not an additional extra, unlike with its competitors. You might not have heard of the brand before, but don’t let that put you off this incredible all-rounder.

3. Garmin Dash Cam Mini – The easiest to use

More needs to be said about dash cams in 2021 that don’t require an engineering degree to operate them. Several products are so complicated that you won’t be able to install them, even with the help of the instruction manual. The Garmin Dash Cam Mini doesn’t fall into this category, with a straightforward design from top to bottom.

Sleek enough to hide behind the rear-view mirror, you can simply attach it to the low-profile mount with no impact on your line of sight. It connects to the app via Wi-Fi to avoid the need for wires messing up your car’s dashboard. Quality-wise, there is no 4K, yet the camera does capture everything at 1080 pixels, so the footage is still in HD.

At less than £100, it’s a no-brainer for drivers who can’t be bothered with the stress that comes with modern technology but want peace of mind behind the wheel.

The right dash for your cam

Securing your car with 2021’s best dash cams is all the more satisfying when you’re driving a car you love. At My Car Credit, we make it easier than ever to find an affordable finance deal, so you can upgrade to the car of your dreams for less.

Try our car finance calculator today to get a better idea of your budget.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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How Does Car Finance Work in the UK?

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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Calculating the Total Cost of Car Ownership

Man using his phone to calculate his cost of car ownership

Buying a car is typically the second largest purchase that people will make (after a house). It’s true that you can find pretty decent nearly-new or used vehicles. This can make purchasing a car feel like a financially viable decision. But don’t forget that the vehicle itself is only the first step in the process – there are a number of other costs involved in owning a car.

Below, we detail the different variables that will affect the total cost of any car ownership. It’s best to be aware of all of these before you begin the process of purchasing – or even searching – for a new vehicle. This will ensure that you’re aware of your budgetary limits and personal requirements. Don’t forget that you can use our car finance calculator to establish what kind of numbers you’re looking at. Accordingly, you can then go into your search with eyes open.

Factors to consider in the cost of car ownership

The car itself – and lessons

If you’re already looking for a car, it’s likely that you know how to drive. However, you may be looking prospectively, in which case don’t forget that you’ll need to pay for driving lessons, too. You’ll also need to pay for both the theory and practical test, and your licenses.

Then there’s the car itself – the cost of this will hugely vary depending on make and model, as well as whether it’s a new vehicle or not. Keep in mind that as soon as you drive a new vehicle off the forecourt, its TMV (true market value) will immediately decrease. Typically, cars lose around 15% of their value every year.

Insurance

Again, the cost of your insurance is subject to a number of variables. If you’re a young driver, that is going to be significantly higher. What’s more, where you live and the car you buy will also impact your premium.

Fuel

The cost of fuel goes up and down depending on the market. However, you can generally use MPG figures (that’s mile per gallon) in order to work out how fuel efficient (or not) your vehicle is. Newer models are likely to have more accurate data available on this. This is because since September 2018, the fuel consumption of all cars has had to be measured via the WLTP test (the Worldwide Harmonised Light Vehicle Test Procedure). Diesel cars are cheaper fuel-wise compared to petrol alternatives. However, their use is increasingly restricted and will be even more so come the 2030 Petrol and Diesel Ban.

Tax

Vehicle excise duty is an annual tax you have to pay, and it will vary depending on the emissions of the vehicle and its fuel economy. Cars that produce more emissions will be hit hardest by tax. Be aware, too, that as more people switch to electric or hybrid vehicles, there are tax-cuts and financial incentives to this move.

MOT, servicing, and maintenance

There are a number of different parts of a car, all of which need regular maintenance – from the tyres to your headlights. Once your vehicle ages over three years, it will need an annual mechanical check in order to ensure it’s roadworthy. As such, you need to factor both this and regular servicing into your budget.

Tips for reducing the total cost of car ownership

It’s not all doom and gloom – there are multiple ways you can be savvier about your vehicle purchase.

Insurance

Installing a black box to your car can reduce your premiums. Moreover, so can opting for a higher excess or even parking in a driveway or locked garage. If you purchase a cheaper model of car, this will also reduce your premiums. You may also end up paying less if you pay insurance annually rather than monthly. Under those circumstances, be sure to consider this lump sum payment into your budgeting.

For young drivers, taking the Pass Plus course will reduce costs, as will adding an older driver’s name to the policy in many cases. With insurance, it’s a good idea to shop around with different providers and get a feel for what deal best suits you.

Fuel and tax

You’ll find the best fuel economy with hybrid or electric cars. Not only is electricity cheaper than cars, you’re also doing your bit for the environment. In addition, you may benefit from tax incentives as a result. Before you buy, get a feel for whether or not you could take advantage of government grants. Consider your mileage, too, as this will determine how much you pay for fuel, and what vehicle would better suit your particular needs.

Maintenance and servicing

Manufacturers will often offer warranty plans that can help you manage your maintenance fees. Look at vehicles with longer warranty periods – some can be up to seven years. Shop around for a cheaper breakdown coverage, too, as this membership can end up being an exorbitant fee if you get the wrong one.

Vehicle depreciation

How significantly the value of a new vehicle depreciates is dependent on that vehicle. Buying cars that better hold onto their value will save you money in the long run. Of course, so will regular maintenance of the car and limiting its mileage. Consider, too, whether you really need a brand-new vehicle. Ask yourself whether a nearly-new car might serve its purpose and reduce the depreciation cost? Cars that are a year old are still great vehicles and their value depreciates at a much slower, steadier rate.

Any questions? Speak to My Car Credit today

We understand that it can be overwhelming trying to establish the total cost of car ownership. That’s why our car credit specialists are on hand to answer any queries you may have with the process. We’ve even got a one-stop shop of quality approved used and nearly-new cars that you can use to streamline the process for you.

Call our friendly team on 01246 458 810 today, and start getting a hold on the true ownership cost of your car.

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!

or call 01246 458 810

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2030 Petrol Ban – Should You Make the Switch Early?

Man filling up with petrol before the 2030 petrol ban

From Tesla to Toyota, electric vehicles (EVs) and plug-in hybrid vehicles (PHEVs) are becoming increasingly popular as consumers endeavour to make more climate-conscious choices.

In fact, the sales of EVs and PHEVs tripled in October 2020, compared to their sales in October 2019. They account for one in seven new cars sold – a fact that has been acknowledged and perhaps encouraged by the increasing availability of charging points across the country.

But from 2030, the petrol and diesel ban will be in place – with hybrids joining the restrictions from 2035. If you own a petrol, diesel or hybrid car, it may be time to consider whether you want to make the switch to an electric vehicle early, in order to save you the time and hassle closer to the deadline. Below, we take you through the benefits of making this decision sooner rather than later, as well as outlining what the 2030 petrol ban really is.

What is the 2030 petrol and diesel ban?

From 2030, new cars and vans powered exclusively by either petrol or diesel won’t be sold in the UK. Some PHEVS – notably the Toyota Prius – will continue to be sold until 2035, when they will also be banned. This is contingent on these cars being able to achieve a ‘significant distance’ of travel in zero-emission mode. At present, the Government hasn’t yet clarified what that term exactly means.

The only new cars and vans for sale after 2035 will be exclusively electric vehicles, such as the Nissan Leaf or Tesla Model 3, and hydrogen-powered vehicles like the Toyota Mirai.

However, the 2030 petrol ban only applies to the sale of brand-new vehicles. Nearly new or used vehicles – that is, second-hand ones – won’t be affected by the ban, and can continue to be sold in showrooms or online. Hybrid cars which can travel ‘significant’ distances in zero emission mode will also still be allowed to be sold on the used marketplace.

What are the benefits of switching early?

There are a number of reasons that it might be advantageous to start thinking about your vehicle before the ban comes in – particularly if you’re in possession of a petrol or diesel car.

Benefit from tax incentives

In order to help the move to EVs, the government is setting aside £582 million in grants to facilitate the transfer to EVs and PHEVs. At present, the government subsidises £3,000 from the purchase of EVs. The government is likely to extend the period during which this is offered, but the transport secretary has acknowledged that it will ‘go eventually’. By making the switch early, you’re more likely to see some of this funding, which can then help you fund a new vehicle.

Get a higher resale value for petrol or diesel cars

As 2030 approaches, manufacturers are likely to offer significant discounts on new models, as they attempt to shift them before the ban comes into place. Consequently, the resale values of traditional combustion engine vehicles are expected to be hit. Getting in early and reselling your car will therefore be more financially forward-thinking. You’ll also avoid any potential tax increases for petrol and diesel vehicles further down the line.

Avoid disruption

When the 2030 petrol ban comes in, there will inevitably be some disruption as drivers get their heads around the way that EVs and certified PHEVs work. For example, drivers will have to get used to charging their cars using either public networks or domestic plug-ins. Travel times will possibly have to be amended – particularly for long distance journeys – in order to accommodate charging, too. By making the switch early, you’ll be more comfortable with how EVS work, and where your local charging point is.

Preparing for the 2030 petrol ban

If you’re looking to make the switch to an electric vehicle, My Car Credit is on hand to help. With our car finance checker, you can check your eligibility without affecting your credit score, before comparing deals from our wide panel of lenders for all circumstances. To find out more, call our friendly team on 01246 458 810.

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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!

or call 01246 458 810

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The Pros and Cons of Black Box Car Insurance

Car on the motorway with black box insurance

You’ve likely heard of black box car insurance, but you may be wondering what it actually is, how it works, and how it could benefit you. If that sounds about right, then read on – this article is here to break down these questions, helping you to make the best decision according to your needs.

What is black box car insurance?

Essentially, black box insurance – which is also known as telematics – is a policy that some insurers may offer as a way of effectively monitoring your driving. Younger drivers who’ve just passed their test or drivers with less experience will tend to be offered black box insurance as a potentially cheaper option for insuring their vehicle.

Once the black box is installed in the vehicle, it uses GPS to generate information on your driving. That way, your insurer will monitor and set your premiums based on how you drive, rather than blanket policy or general statistics. The data that black boxes collect include braking, cornering, speed, mileage, and the time of day you drive. You’ll be given a driving score which you can see online, and your insurance price is then personalised depending on your driving habits.

Drivers who prioritise safety, drive responsibly, and take fewer risks will be rewarded with lower premiums. Depending on your insurer, these might be adjusted on either a monthly or yearly basis.

Black box car insurance – the lowdown

So, is black box insurance really worth it? We break down the potential benefits and disadvantages:

Black box advantages

Cheaper insurance for young drivers

For drivers who’ve recently passed their tests, black box insurance has significant appeal. It’s just a fact that insurance is more expensive for young drivers. A great way to avoid this is to use a black box, which will quantifiably measure driving habits and reward conscientious drivers with lower premiums. After a year of driving with a black box, it’s also not unusual to see premiums reduce by as much as 60% – a hefty reduction with serious appeal.

Great for convicted drivers

The premium on insurance policies is based on a driver’s history. Convicted drivers can therefore end up with expensive insurance as a result. A black box will record how you drive in the moment, thereby proving you’re a safe driver. This will then result in lower premiums.

Lower premium for drivers

If you’re a particularly careful driver, black boxes will reward you with significantly lower premiums. Plus, you’re likely to be more conscious of how you drive overall, resulting in safer, less risky behaviour.

Anti-theft

Because black boxes use GPS to track your car location, they also work to deter theft, as would-be burglars will likely think twice before stealing a vehicle. What’s more, if your car is stolen, it will be easier to recover.

And the disadvantages

Curfews

If you’re someone who frequently drives at night or during rush hour, you might get frustrated with black box insurance. Accidents tend to happen at nights, so some black box policies impose a curfew where you’ll be penalised for driving beyond a set time. Breaking this may result in higher premiums.

Journey restrictions

Black box insurance can impose restrictions on journey numbers and lengths. This is because statistically, the more and longer you drive, the more likely you are to have an accident. But it can result in restrictive policies, which may not suit your particular circumstances.

Fees

You’ll likely have to pay for a licensed installer to both put the box in and remove it at the end of your policy. Plus, if there’s any damage incurred to the device, you’ll also have to fork out to cover that, too.

Named drivers

Be aware that the box can’t tell who’s driving or when. It’s therefore worth being sure that any other drivers insured on the car are going to be as careful a driver as possible. This will avoid unnecessary price hikes on your premium.

Making driving affordable

Black box insurance is just one of the ways to make driving a car more affordable. That’s certainly something we’re familiar with at My Car Credit, as one of the leading car finance brokers for UK drivers.

With our help, you can spread the cost of your new car with affordable monthly repayments. Use our car finance calculator to get an idea of how much you can borrow or call our car credit specialists on 01246 458 810.

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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!

or call 01246 458 810

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1. Quit idling

2. Carpool

3. Drive less

4. Enjoy a smoother ride

5. Service your car regularly

6. Check your tyre pressure

7. Replace worn tyres

8. Skip the air conditioning

9. Embrace cruise control

10. Clean out your car

11. Choose the right car for your needs

12. Upgrade your vehicle

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