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Summer Driving Safety Tips for Hot Weather Road Trips

Things are heating up in the UK, and road trip season has well and truly arrived. From coastal escapes to weekends in the countryside, summer is a terrific time to hit the road.

Of course, hot weather comes with a unique set of car concerns, especially when the mercury climbs past 30 degrees. To help keep you safe and on-the-road this season, we’ve put together a roundup of the top summer driving tips.

Check your tyre pressure

Don’t forget to check your tyre pressure before you set off on a summer road trip. The higher temperatures that arrive in months like June, July and August can cause tyres to blowout if they’re at the wrong pressure. Best case scenario, your road trip is delayed for a few hours while you wait for roadside assistance. Worst case scenario, the blowout causes a serious accident.

This is an easy one to stay on top of, so no excuses when it comes to checking your tyre pressure! Once a season isn’t enough. Giving your tyres a quick once over before every road trip is one of our top summer driving safety tips.

Practice defensive driving

It’s the oldest trick in the book – expect the unexpected! Summer comes with an increase in road traffic, which means it pays to be extra alert when behind the wheel. Whether it’s a pedestrian stepping out unexpectedly onto a seafront promenade or a car cutting you off on the motorway, being aware of your surroundings and driving defensively is one of the best summer driving tips.

Keep tags on the dashboard

Skyrocketing temperatures can take their toll on engines, especially if you drive an older car. Keeping tags on dashboard warning lights is one of the best ways to avoid causing serious damage to your car. If you see a warning light flick on, pull over immediately and check it out. The oil light needs to be dealt with immediately. If your engine light comes on, it’s usually okay to continue driving, so long as you investigate the problem ASAP.

Keep your car cool

Car cooling systems are put through their paces in summer. Checking your coolant regularly and topping it up when needed is a top summer car safety tip. Keep a spare bottle of coolant in the boot for emergencies!

As well as staying on top of coolant levels, here are some easy ways to minimise the risk of your car overheating on a summer road trip:

Put up sun shields on the front and back windows when parking the car. This will keep it as cool as possible and make it more pleasant to return to.
Park in the shade when possible.
Turn off the AC if your car is prone to overheating in hot weather. It’s not always comfortable for passengers but it does take stress off your engine.

Keep your distance

It doesn’t matter how loud the beach is calling your name. You should always keep a safe stopping distance from the car in front of you. As a standard rule, this should be at least two seconds. Remember – if it starts raining, you’ll need to widen the distance to four seconds.

Carry a spare key

There are all kinds of ways to lose keys on a summer road trip. Some drivers forget to take them out of their pockets before a dip in the sea, while others might misplace them in a sun-drenched beer garden. Avoid the stress of lost keys by issuing a passenger with a spare set. It’s one of the easiest summer driving tips and can save you big headaches.

Stay off your phone

This goes without saying – stay off your phone when you’re a designated driver on a summer road trip!

Plan ahead

From accidents to construction detours, there are all kinds of ways a summer road trip can be delayed. Planning ahead and researching your route before you hit the road can save you a whole lot of time and hassle. Charting the fastest route from A to B is also a great way to reduce engine stress during hot weather.

Wear sunscreen and consider installing shades

Just because you’re in the car, it doesn’t mean you won’t get burnt. From lobster-red arms to bright pink noses, it’s all too easy to get fried on hot weather road trips. As well as slathering on sunscreen, consider installing sunshades, especially if you have a baby or toddler strapped into a backseat. They can’t necessarily tell you they’re hot as the sun’s beating down on them through the windows – and by the time you notice, it’s too late.

Best to opt for transparent mesh shades to ensure your visibility isn’t compromised. They’re easy to pick up at your local garage, making this a top summer car safety tip.

Invest in polarised sunglasses

Glare can be a major safety issue on hot weather road trips. Unfortunately, Primark sunglasses just don’t cut it when it comes to cutting out glare. Pro summer driving tip: it’s worth investing in polarised sunglasses, which not only cut out glare but protect your eyes from harmful UV rays.

Stay alert and energised

From sun-drenched days on the beach to long walks in the countryside, hot weather road trips are packed with good times. But they can also leave drivers feeling exhausted. It’s important not to drive tired and to always pull over and take a break if needed. As a rule of thumb, aim for a 20-minute break every three hours, at a minimum.

Carry hay fever medication

Not everyone suffers from summer hay fever, but it is quite common. Especially if you’re road tripping in the countryside, where the air can be heavy with pollen. Mild cases aren’t too bad, but serious episodes can leave you watery eyed and sneezing behind the wheel.

Carrying hay fever medication is one of our top summer driving tips if you’re prone to the condition. Make sure it’s non-drowsy if you’re driving! Don’t hesitate to hand over the keys to someone else if you experience a bad hay fever spell – or pull over if you need to.

Hit the road this summer with My Car Credit

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Repayment term

My credit rating

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Typical rate

Loan amount

Total payable

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Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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?

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What are the Rules for Overtaking Safely on the Road?

Mastering the overtake is critical. From winding country lanes through to busy urban centres, you need to know how to safely overtake a vehicle no matter where you’re driving.

But what are the rules around how to overtake safely on a road? This article outlines what you should know before you overtake a vehicle.

What is overtaking?

If you’re overtaking, you are passing another road user that is travelling slower than you but moving in the same direction. This could be a cyclist or horse, but it may also include buses or taxis pulled over in urban centres.

Overtaking is perfectly legal, provided you do so safely. Obviously, if there are signs or road markings that prohibit overtaking, then you should not do so. A solid white line, and a double white line on your side of the road all indicate that no overtaking is allowed on that stretch of road. The exception is if you are over the double white lines when passing a cyclist who is on your side of the road.

It is also illegal to overtake a vehicle if done in an unsafe or reckless manner. So, for example, if you attempt an overtake when another vehicle is overtaking you, or if you do so in weather with poor visibility, this is illegal.

How to safely overtake a vehicle – six rules to follow

No speeding

According to rule 125 of the Highway Code, the speed limit is the maximum that you should drive on any road. It is therefore illegal to speed when you overtake. You may be subject to a fine of up to £2,500 and six points on your licence if you are caught speeding when overtaking a vehicle.

Consider safety and necessity

Is the road ahead of you free of obstacles like pedestrian crossings? Is there a dip in the road, or a sharp curve that obscures your vision of oncoming vehicles?

Road safety charity Brake reports that over half of the UK’s fatal car crashes occur on country roads. This figure is both explained and exacerbated by overtaking and risky driving behaviour.

You need around 100 metres of space ahead of you after overtaking. If you do not have this space, if there are hazards, or if your vision is obscured, then it is not safe to overtake a vehicle.

Remember that your vehicle weight changes according to the number of passengers and type of luggage carried. If you’re going uphill, your car may also be slower to overtake.

Only overtake on the right

In the UK, we drive on the left. As such, to overtake safely on a road, you should only ever pass to the right of the vehicle that you’re overtaking. Never overtake by passing on the left or attempting to use a hard shoulder. Don’t weave in and out of motorway lanes to overtake, either.

The exception to the rule is overtaking a vehicle that is turning right. You can also overtake vehicles in the lane to your right if you are driving through particularly congested and slow-moving traffic.

Use your mirrors, signal, and check your blind spot

You need to follow proper driving protocol to overtake safely on the road. Use your mirrors to make sure that the road is clear both ahead and behind you. It’s particularly important to check your blind spot. If a hazard appears, do not overtake.

Don’t get too close to the vehicle you plan to overtake. Always signal to indicate that you’re overtaking, and accelerate with confidence and control, without breaking the speed limit.

Leave space once you’ve overtaken

You don’t want to cut up the vehicle you’ve just overtaken. Ensure that you can see the vehicle you’ve overtaken in your central rear-view mirror before pulling across into the correct lane. Otherwise, you risk them having to slam on the brakes, which may cause accidents.

Don’t follow an overtaking vehicle

Just because it was safe for the car in front of you to overtake a vehicle, that doesn’t mean it’s safe for you to immediately follow them. Always perform the requisite safety checks before overtaking.

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X monthly repayments of
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Typical rate

Loan amount

Total payable

X% APR*

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*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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?

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What is the Safest Car for a Teenager?

Receiving a freshly issued driver’s license in the mail is an exciting milestone for teens. As well as a newfound sense of freedom, a license unlocks exciting new opportunities for work and play. Of course, the next step is securing a set of wheels.

Teens may be all about speed, style and street cred, but for most parents, safety is a top priority. Wondering what is the safest car for a teenager? Read on as we take a closer look at some of the safest, teen-friendly sets of wheels on the market.

Volkswagen Polo

Compact and zippy, the Volkswagen Polo is a perfect first car for teenagers. The cabin is spacious and well-appointed, with lots of tech in the newer models. It’s definitely not the most powerful model in the Volkswagen family, but the 1.0-litre petrol engine is a great starting point for new drivers. The low-powered engine also makes the Polo cheap to run and insure.

What is the safest car for a teenager, according to the Euro NCAP? The 2017 VW Polo supermini earned 5 stars in the crash test, including 96% in the Adult Occupant category. This is largely thanks to first-rate frontal and lateral protection. You’ll see loads of 2017 models on the used market. Or, if your budget is bigger, consider buying new and enjoy all the latest safety features and in-cabin tech.

Vauxhall Corsa

The Vauxhall Corsa isn’t just one of the top-selling vehicles in the UK. It’s also one of the safest, boasting a 4-star Euro NCAP crash rating. This makes it a great pick if you’re researching “what is the safest car for a teenager”. Newer models are packed with features designed to support new drivers, including blind-spot detection, lane-assist and automatic emergency braking.

The enormous popularity of the Vauxhall Corsa means there’s plenty to choose from on the second-hand market. If you’re looking for a great deal on safe and reliable cars for teens, a Vauxhall Corsa from 2019 onwards is a savvy choice. The model was completely revamped in 2019, which means you’ll enjoy a suite of next-gen features.

Want to get your teen behind the wheel of an eco-friendly car? The latest generation of Corsa is also available with a fully electric engine. Prices start at just over £32,000, making this one of the more affordable EVs on the market.

Ford Fiesta

Fun and free-spirited, the Ford Fiesta is a fantastic car for newly licensed teenagers. It has great adult occupancy safety ratings, so you can rest easy knowing your teen is driving a model with an excellent Euro NCAP crash rating.

What is the safest car for a teenager with driver assist features? Splurge on a new-generation model and your teen will enjoy features like an interactive digital instrument cluster. As well as improving the driving experience, features like easy-to-read icons, navigation alerts and the option to pre-program driver preferences boost safety.

Like other superminis, great fuel economy and low insurance rates make the Ford Fiesta a great choice for teens. It’s been a favourite with UK motorists for years, meaning you’ll see plenty of supply on the second-hand market.

Renault Clio

Renault is a stickler when it comes to safety, so it’s no surprise the Clio earned 5 stars in the Euro NCAP crash rating test. Now in its fifth generation, the best-selling model scored an Adult Occupant safety rating of 96%. If you’re looking for a car that offers young drivers the very best in on-road protection, the Renault Clio delivers.

Teens also benefit from a laundry list of safety assist features, including blind spot warning, traffic sign recognition, emergency braking and more. For young drivers with minimal experience, these features can be a huge bonus. Renault says the latest models have “the most comprehensive driving assistance on the market”. No wonder the Clio scored 72% in the Vulnerable Road Users category and 75% for Safety Assist features.

ORA Funky Cat

What is the safest car for a teenager with an all-electric engine? The ORA Funky Cat is turning heads with a retro aesthetic, next-generation technology and, of course, an emissions-free engine. It scored an impressive 92% for Adult Occupant safety in the Euro NCAP crash rating test, making it a solid choice for new drivers. It’s also packed with the latest technology and scored a huge 93% in the Safety Assist category. No wonder it was selected as one of the ‘Best in Class Cars of 2022’ by the Euro NCAP.

Skoda Fabia

A twinkling 5-star Euro NCAP safety rating makes the Skoda Fabia a solid choice for new drivers. What is the safest car for a teenager when it comes to the Adult Occupant rating? The 2021 Skoda Fabia is right up there with a score of 85%. It’s been out for a few years, which means you’ll see plenty of these models on the second-hand market. The small hatchback is also packed with features designed to assist drivers and protect vulnerable road users.

Stay safe with auto finance from My Car Credit

Safety should always come first when helping teens get behind the wheel of their first car. Now you know more about “what is the safest car for a teenager”, let’s talk finance. Most teens simply don’t have the funds to purchase a new or used car outright. This is where car finance steps up. It bridges the gap and allows young drivers to spread out the cost of purchasing a vehicle.

Can you get car finance at 18? Yes! The minimum age for car finance is 18, and your teen will need to meet eligibility criteria to get approved. Find out more in our complete guide to car finance eligibility. Or give us a call on 01246 458 810 to chat to our dedicated team about finance options for teens.

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X monthly repayments of
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Typical rate

Loan amount

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No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Is the Skoda Octavia a Good Car?

The reliability of Skoda cars almost goes without saying. Long recognised for its reliability, the Czech manufacturer has further secured its reputation by earning a five-star safety rating by Euro NCAP.

These factors make the Skoda Octavia an excellent family vehicle and a formidable competitor when it comes to estate cars. But is the Skoda Octavia a good car overall? Let’s take a look…

What to expect from the Skoda Octavia

When it comes to family cars, the Octavia has consistently ranked amongst the best. It even stands up to premium competitors like the Audi A3 and Mercedes A-Class, as well as more affordable makes and models (think the Toyota Corolla and Ford Focus).

Engines and performance

The most recent launch of the Skoda Octavia is just as reliable and robust. You can choose from four petrol and diesel engines, as well as two mild-hybrids and one plug-in hybrid, depending on your desired brake horsepower (bhp), acceleration and top speed.

Each model of the Skoda Octavia delivers highly respectable engine power with low running costs – as examples, the entry level 1.0-litre TSI petrol delivers a maximum 54.9MPG, whilst the 148bhp diesel will hit 64.9MPG.

Safety features

As you can expect with such a highly-rated car, safety features abound. Front and rear parking sensors, blind-spot detection and adaptive cruise control are standard. You can also opt for more sophisticated tech, like park assist, a rear-view camera and a travel assist pack, which includes features like adaptive lane assist and traffic sign recognition. LED headlights are standard.

You can also make use of the three-year, 60,000-mile warranty, which is extendable to five years and 100,000-miles for a fee. Fixed-price servicing is offered every 12 months or 10,000 miles.

Interior

The infotainment system is ideally positioned, making it easy to use when driving. The 10-inch touchscreen offers Apple CarPlay and Android Auto as standard, and the in-built sat nav is optional with some models. Aircon controls are managed by this touch screen, which can be a little frustrating to use on the road.

There’s plenty of space in both the front and, particularly, the rear. The boot space also exceeds that of most rivals. The seats fold down well enough for when you’re carrying oversized loads.

We’re fans of Skoda’s ‘Simply Clever’ practical features, which include details like an ice scraper, a ticket holder on the driver’s side, and a cup holder which grips your water bottle so the top can be removed one-handed.

Is the Skoda Octavia a good car?

If you’re looking for a safe, affordable and reliable vehicle for the family, it’s hard to argue with the Skoda Octavia. There’s plenty of space and practical features, a comfortable ride, and perfectly respectable performance stats.

Finance your next family car

With My Car Credit, you can find a no-obligation car loan quote online in mere minutes. Find out how we can help you to secure car finance for your next family vehicle by getting in contact today on 01246 458 810.

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Loan amount

£

Repayment term

My credit rating

X monthly repayments of
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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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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3 Reasons Why Airbags are Important

From seatbelts and airbags through to technological safety features like lane assist and cruise control, today’s level of vehicular safety has been achieved through several key advancements.

One of the best known and most widespread safety features in cars are airbags. First developed in the USA in the 1950s, airbags became mainstays in Europe in the 1980s. They are now standard safety features in vehicles globally.

What are airbags and how do they work?

Airbags are inflatable bags that cushion the body of the driver and passenger(s) in the event of a crash.

Despite their name, airbags are actually filled with a chemical compound that reacts to high temperatures. This causes the bag to fill with air, preventing the driver and passenger from hitting the car’s hard surfaces (such as the dashboard and steering wheel), as well as each other.

Vehicles are fitted with collision sensors at various points. When a severe collision is sensed, these sensors release an ignition compound. This sparks a chemical reaction, causing the compound in the airbags (a mix of sodium and nitrogen) to react. The airbag then inflates. This process takes place in a matter of milliseconds.

Once the bags have been inflated, they then deflate immediately. This allows people to leave the car if possible, or for emergency services to access it. As high temperatures are generated during this process, some people may experience minor burns as a result of airbag inflation.

Why are airbags important?

Airbags provide a cushioning effect for the driver and passenger(s). They also reduce the speed at which the body may collide with the vehicle’s dashboard, steering wheel, and other passengers.

The US-based NHTSA (National Highway Traffic Safety Administration) reports that:

From 1987 to 2017, 50,457 lives were saved by frontal airbags.
Airbags in combination with seat belts reduced the risk of death in frontal crashes by 61%. This is compared to a 50% reduction for seatbelts alone, and 34% for airbags alone.
As of 2012, 2,252 lives were saved by side airbags.

Where are airbags located?

The first airbags were located towards the front of the vehicle. They were fitted within the steering wheel and dashboard to protect both the driver and passenger from frontal collisions.

It’s worth knowing that American airbags tend to be larger and inflate faster. This is because they had traditionally been seen as a replacement safety feature for seatbelts, rather than as a feature working in tandem with seatbelts.

However, some vehicles may now have up to nine airbags, depending on the model and make. Alternative airbag locations include:

Knee airbags – Designed to protect the driver and front passenger’s knees from hitting the dashboard.
Foot airbags – Designed to reduce injuries to the lower legs and feet.
Side airbags – Designed to reduce impact for side (lateral) collisions. There are also side torso airbags.
Seatbelt airbags – Released from the seatbelt, across the shoulder and torso.
Curtain airbags – Released from the roof sill downwards, to protect the head and neck.
Centre airbags – Designed to prevent head contact between passengers and drivers, released between the front two seats during a lateral collision.

Do airbags have limitations?

Airbags reduce the damage caused by accidents – but they cannot prevent them. As mentioned above, other injuries (such as minor burns and scrapes) may be sustained as a result of airbag inflation. This is particularly the case for drivers wearing glasses, who may experience facial injuries as a result of airbag deployment.

Airbags should be used with other safety features, such as seatbelts, in order to ensure that all persons within the vehicle are as safe as possible. Airbags are designed to work for drivers and passengers in the correct sitting position. They may not work as effectively if, for example, a passenger is sat with their feet on the dashboard, or if there are objects on the dashboard that impede the airbag’s inflation.

Similarly, airbags are designed for adults. Children are at risk of injury if they are either unbelted or in rear-facing child safety seats in the front passenger seat of a vehicle. They should therefore always be in a car’s backseat if under thirteen years of age or 153cm height.

Upgrade your car and benefit from maximum safety

As technology and research improves, vehicle manufacturers are making cars safer than ever before. Contact us to gauge your car finance eligibility and learn how we can help you find a new vehicle that’ll have you feeling secure behind the wheel.

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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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Top 5 Safety Tips for Driving in the Dark

The Royal Society for the Prevention of Accidents (RoSPA) report that 40% of collisions occur at night.

Whether you’re a newly-passed driver or have many years behind the wheel, driving in the dark can pose risks to your safety. These are the top five tips for ensuring that you’re as secure as possible when you get behind the wheel at night.

Driving in the dark: 5 tips

Know how to use your lights

You should be turning on your dipped headlights an hour before sunset and an hour after sunrise to allow other road users and pedestrians to see your vehicle. Use your full beam when appropriate, but always flick it off whenever another vehicle is approaching to avoid blinding them. Ensure that the interior of your car remains dark to reduce the interference of internal light.

Don’t stare directly at oncoming vehicles, as this will dazzle you and your eyes may struggle to readjust. Direct your gaze down and to the left of the road, keeping your car aligned with the white line marking the road’s edge.

Vehicle maintenance

You can only use your headlights correctly if they are working. Before you depart for a night journey, ensure that your headlights and brake lights are working effectively, and stay on top of maintaining your car throughout the year. Remember that you can be pulled aside by police if your bulbs aren’t working.

You also need to ensure that your windscreens are clear – the dirtier the window, the more disruptive the glare from other vehicles will be, and the more likely your window is to steam up.

Stay alert

Do not get behind the wheel if you’re tired. You’ll be a danger to yourself and other road users. Take more rest breaks if you need them, particularly if you’re covering long distances.

Stay alert for pedestrians, cyclists and animals. Be aware that cyclists and children may not be wearing reflective clothing and may be less visible in darker areas. If you’re in residential areas, take particular care and always keep your speed down.

Test your eyes regularly

No matter your age, you must get your eyes tested frequently. You need to ensure that you’re wearing glasses if you need them, and that you’re updating your prescription accordingly.

Carry safety essentials

If you’re driving in the dark, it’s likely that you’re driving through the winter months. So, it’s worthwhile having a winter safety kit in your boot. Keep warm items on hand, as well as a torch, ice scraper and de-icer. Having a spare mobile charger is a good idea, too.

Step up your night-time driving safety

Looking for a car loan quote to finance the perfect car for night driving? Or maybe you’re curious about your eligibility for car finance? Whatever your query, contact My Car Credit on enquiries@mycarcredit.co.uk to find out how we can help.

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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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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.

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Why Do I Need a Speed Limiter for My Car?

If you’re on the hunt for a new car for the first time in a while, you’ll have come across a few key changes to the market. From the 2030 petrol ban shaking up the sales of petrol and diesel vehicles, through to the inclusion of speed limiters in cars, there are a number of new factors that you’ll need to consider when looking for a new set of wheels.

This article will examine speed limiters, including what are they, why you need them and how they might impact your driving experience.

What is a speed limiter for your car?

A speed limiter for a car is exactly what it sounds like – it’s a safety device designed to prevent drivers from exceeding the speed limits of roads. From 6 July 2022, all newly launched vehicles in the UK legally have to be fitted with one. However, many car manufacturers – including Volvo, Ford, Mercedes-Benz, and Renault – adopted speed limiters in their new vehicles before this date.

Whilst all new cars in the UK now have to have a speed limiter installed, the speed limiter can be deactivated, but this won’t permanently disable it. Next time you switch the engine on, the speed limiter will also activate.

It’s critical to note that whilst a speed limiter is designed to prompt speeding drivers to stay within the limit, the driver is ultimately still responsible for doing so. As such, if any motorist is caught speeding, they are still responsible for any potential fine.

How do speed limiters work?

There are a number of different ways in which Intelligent Speed Assistance (ISA) systems can notify a driver if they’re in excess of the speed limit. ISA systems will use either GPS data or traffic-sign recognition in order to gauge the speed limit in any area. Although they have a high degree of accuracy, critics have pointed out that such systems may be vulnerable to inaccurate GPS mapping or temporary speed limits.

Speed limiters currently can work in any of the following ways. If the system detects that a vehicle is over the speed limit, it will alert the driver and automatically limit the engine’s power in order to reduce the vehicle’s speed in the instance of driver non-response. Alternatively, the ISA system can also provide a visual symbol and pedal vibrations, flashing visual signs and audio announcements, and can push back against any foot pressed down on the accelerator pedal.

Research is currently establishing which of these cues is the most effective at inciting response. In December 2025, the findings will be analysed and future ISA systems will implement the most effective one.

It’s important to distinguish a speed limiter from cruise control, which is designed to move the car at one set speed, without the driver’s foot on the pedal. With a speed limiter, the driver remains is in full control of the car, unlike with cruise control. Speed limiters can also be overridden if drivers need to pull away by pushing down sharply on the accelerator pedal.

Speed limiters can typically be found either on the steering wheel or indicator – but take care not to confuse them with the sign for cruise control, as the symbols can be similar.

Why have speed limiters been introduced?

Speed limiters have been introduced in the UK in recognition of the 2019/2044 regulation of The European Commission. Despite having left the EU, The Vehicle Certification Agency in the UK still follows EU regulations, which is why this policy has been implemented in UK automobile markets.

There are a number of reasons why speed limiters are deemed necessary. Primarily, they are designed to improve road safety, making driving safer for motorists, pedestrians and cyclists. Manufacturers like Ford have suggested that speed limiters might also reduce the likelihood of speeding tickets (but remember that the driver is ultimately responsible for any fines accrued).

Otherwise, potential benefits to speed limiters include lower car insurance premiums as a result of lower risk of accident, as well as reduced CO2 emissions and greater fuel economy. Although, speed limiters do not yet have to be retroactively installed in older cars – they are only legally required in brand-new models at the moment.

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Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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.

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Are Winter Tyres Worth It?

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

What are winter tyres?

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

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

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

Are winter tyres worth it?

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

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

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

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

Are there drawbacks to winter tyres?

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

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

Find winter car finance

If you’re thinking of upgrading your car for the colder months and have questions about your car finance eligibility, contact our friendly team on enquiries@mycarcredit.co.uk.

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Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Types of Car Headlights and Their Impact on Safety

From illuminating dark roads and increasing visibility in low light to warning other drivers about an upcoming hazard. There’s no doubt that car headlights are fundamental to road safety. Most drivers know how to switch between dipped and full beam headlights. However many don’t know the full extent of their car’s capabilities.

A good understanding of what types of car headlights your vehicle has and how to use them is an important part of being a safe driver. Want to know more about how to navigate your way around the dashboard? Read on as we explore the different types of car headlights and their impact on safety.

Types of car headlights

Dipped headlights

The most commonly used types of car headlights, dipped beams are angled towards the ground and light up the road in front of you. Brighter than sidelights, they tend not to be as dazzling as full beam mode. Usually, dipped headlights are operated by a switch on the dashboard or twist function on the indicator rod. It’s also worth noting that many modern cars are equipped with the technology to activate dipped headlights without driver input.

UK Highway Code states that drivers must “use headlights when visibility is seriously reduced” and you’re unable to see more than 100 metres ahead. As well as the dark hours between sunset and sunrise, dipped headlights should also be used in gloomy weather that reduces visibility.

Full beam headlights

The brightest type of car headlight, full beams feature a higher angle that lights up more of the road. Depending on your car make and model, full beams can use either the same or a different set of bulbs to dipped headlights.

Be cautious when using your full beams, as UK Highway Code states you must not “use any lights in a way which would dazzle or cause discomfort to other road users. This includes pedestrians, cyclists and horse riders.” They’re generally switched on when driving on unlit stretches of road. Furthermore, they should be turned off when approaching other traffic.

Daytime running lights (DRLs)

Featured in most newer models, daytime running lights are activated with the engine and remain lit throughout your drive. They were standardised in the wake of studies suggesting that vehicles with permanent daylights increase safety and visibility on the road. You don’t need to do anything to activate DRLs, making them one of the easiest and most hassle-free safety enhancers out there.

Fog lights

Designed to cut through haze and mist, fog lights can drastically increase safety in challenging driving conditions. They’re generally installed at the front and rear of the car, with colour coded switches (green for the front and amber for the back). In most cars you’ll turn on your fog lights by activating dipped mode, then twisting or pressing the fog light switch. The symbol is usually a half moon next to a vertical wavy line interspersed with three horizontal lines.

Hazard warning lights

Visible from all corners of your car, hazard warning lights activate all four indicators at the same time. As such, they are designed to alert other drivers of your stationary position. The amber lights blink in unison and warn other drivers that a hazard is ahead. Scenarios where you might activate this type of car headlight include breaking down on the side of the highway or stopping for a crash. Easy to find, the hazard lights switch is usually identifiable by the red triangle shape.

Indicators

All drivers should be familiar with the ins and outs of indicators. These blinking amber lights let other drivers know your intentions and prepare accordingly. As well as basic corners, don’t forget to indicate when you’re travelling through a roundabout, changing lanes, overtaking and merging.

Brake lights

Like indicators, brake lights are used to alert other drivers of your intentions. They’re activated when you apply the brakes and light up the red bulbs near your taillights. Brake lights should be working at all times, or you risk penalty notices, fines and even points on your licence.

Sidelights/parking lights

Usually located in the front headlamp unit, sidelights are typically powered by 5W bulbs and are not as bright as your standard headlights. Instead of illuminating the road, these low-powered types of car headlights are designed to increase the visibility of your car. In the UK, sidelights should be switched on when parking your car on roads with speed limits of more than 30mph.

Different types of car headlight bulbs

Car headlight technology is continually advancing, with manufacturers championing energy efficient and eco-friendly bulbs. Today, most new models are powered by three types of bulbs. These are halogen, light emitting diodes (LED) and xenon/high intensity discharge (HID).

Halogen bulbs use a tungsten filament and a mix of gases, usually nitrogen and argon, to create light. While they’re popular, they’re not as bright or inefficient as other options.

LED bulbs, short for light emitting diodes, offer incredible energy efficiency and produce very little heat. They reach full illumination up to 250 times faster than halogen bulbs. For this reason, they are ideal for time-sensitive lights such as brakes and indicators.

Xenon headlights are a popular choice for luxury cars, using metals and heat gases to create a bright blue or white glow. While the brightness and range of the light is impressive, xenon bulbs can dazzle other drivers and create glare.

Get intuitive with your car headlights

While best-selling models like the 1995 Ford Fiesta were state-of-the-art at the time, technology has advanced in leaps and bounds since then. New cars are designed to make the driving experience as intuitive as possible. For example, user-friendly dashboards and automatic sensor technology that activates many of the different types of car headlights for you.

Sliding behind the wheel of a nearly new 2020 model, you’ll be impressed by five-star safety features. For instance, flashing brake lights are now common, as is an auto high beam function that automatically dips your headlights when oncoming traffic is detected. Furthermore, ultra-efficient LED daytime running lights increase visibility 24/7. It’s not just Ford that’s setting new standards for headlight safety, with other manufacturers also championing smart headlight technology.

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Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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.

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Our Top 3 Best Dash Cam 2021

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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.

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Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Things are heating up in the UK, and road trip season has well and truly arrived. From coastal escapes to weekends in the countryside, summer is a terrific time to hit the road.

Check your tyre pressure

Practice defensive driving

Keep tags on the dashboard

Keep your car cool

Keep your distance

Carry a spare key

Stay off your phone

Plan ahead

Wear sunscreen and consider installing shades

Invest in polarised sunglasses

Stay alert and energised

Carry hay fever medication

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Mastering the overtake is critical. From winding country lanes through to busy urban centres, you need to know how to safely overtake a vehicle no matter where you’re driving.

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Only overtake on the right

Use your mirrors, signal, and check your blind spot

Leave space once you’ve overtaken

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Receiving a freshly issued driver’s license in the mail is an exciting milestone for teens. As well as a newfound sense of freedom, a license unlocks exciting new opportunities for work and play. Of course, the next step is securing a set of wheels.

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