Joseph Law

Bumper Content Writer

Alastair Shephard

Content Writer

When buying a car the last thing you want to be dealing with are mechanical faults. Unfortunately, there are some occasions where this might occur. You'll want to know where you stand if something goes wrong. 

In this article, we will explain your rights if you acquired a damaged car on finance and how to remedy the matter. 

What Should I Do if I Bought a Faulty Car on Finance? 

If you have a loan for a new or used car and you uncover an issue with the vehicle and you are certain that you did not cause the problem. Go over your auto finance agreement as a first step, to find out about the terms and conditions and how much coverage is offered. 

Following that, you must contact the car credit provider and describe the problem, whether it is an engine problem or something else. You have the right to make a complaint, however, you must explain to the car dealer how you detected the flaw. 

What Counts as a Fault With Your Vehicle? 

A fault is defined as anything that interferes with the operation of your vehicle. Severe issues include the engine shutting down, the windows not operating, or a drivetrain problem, these are major issues which could result in further action by the car dealer i.e. a refund or repair. 

Small issues, such as the inability to adjust the seats, the 

(that was not disclosed at the time of purchase), must be addressed by your dealer. You are not usually entitled to a refund for these issues. 

If the parties cannot agree on whether a fault is minor or major, we recommend getting legal advice from the 

What Are My Consumer Rights for a Faulty Car Bought on Finance? 

The same regulations apply if you bought a new car via a finance package such as PCP or Hire Purchase. The 

 might be quite helpful in the situation of a damaged car purchased on credit, so let's have a look at it. 

The Consumer Rights Act of 2015 protects customers from financial loss if they acquire a poor-quality product or service, including cars and associated equipment and services. 

As a precaution, thoroughly study the terms and conditions of your auto financing agreement to see if your car dealer has included information on what would happen if a problem with the vehicle occurred. 

If things get problematic after speaking with the vehicle dealer and you are being made accountable or billed for the fault, you can always contact the financial ombudsman for free or seek legal assistance. 

Can I Return a Car on Finance if It’s Faulty?

If you've bought a faulty car on finance, your rights depend on whether you purchased from a dealer or a private seller. 

If you bought the car from a dealer, you are protected by the Consumer Rights Act 2015. This act states that the car must be of satisfactory quality, fit for purpose, and as described. If the car is found to be faulty within the first 30 days, you have the right to reject it and request a full refund. 

If you discover the fault after 30 days but within the first six months, you can request a repair or replacement. If the dealer cannot fix the issue within a reasonable time, you may still be entitled to a refund, potentially with a reduction in usage. 

If you bought the car privately, your rights are more limited. The car must still be as described, but the seller isn't obliged to ensure it's of satisfactory quality or fit for purpose. You may have a case if you can prove the seller deliberately hid the fault or misrepresented the car, but resolving disputes with private sellers can be more challenging. 

In both cases, it's essential to act quickly upon discovering the fault and notify the seller immediately. Consider consulting a legal expert if you're unsure of your rights or if the seller is uncooperative. 

The most common claim made by car buyers is the right to repair or replace. The legislation recognises that mistakes happen and that dealers should be given the opportunity to correct them. Yet, this raises concerns for many customers, such as: 

Whatever happens, you must keep the finance company informed at all times and ensure that it is well documented by retaining copies of letters and emails - any correspondence via telephone should be noted in an email after the fact. 

It is possible to reject a car from a dealer, there are three possible avenues to achieve this: 

Rejecting a car after 6 months becomes more complex, as UK law states that the onus is on the consumer to prove the faults were present during the first 6 months of ownership. Without this proof, the issue becomes the responsibility of the vehicle owner. 

If the car finance firm denies your request to return a financed vehicle, you can file a complaint with the financial ombudsman agency. The Ombudsman, often known as the Financial Ombudsman Service, is a free organisation entrusted with investigating and adjudicating complaints regarding consumer-regulated finance arrangements. 

The car finance company is bound by FOS decisions. Last year, however, only 30% of people who filed a complaint with the financial ombudsman were successful. The situation is exacerbated in large part by customers who do not know how to file a complaint or how to prepare their cases to maximise their chances of success. 

The FOS was established to settle complaints "quickly and with minimal formality" and to serve as an alternative dispute resolution mechanism. Customers are not required to file "legal filings." 

For the best chance at successfully disputing via the FOS, follow their guidelines on their website, and take great care to file the documents and details correctly. 

What to do if you can't afford repairs to your financed car? 

If you find yourself in the unfortunate situation of having a broken car, with finance still outstanding and after passing the 6-month threshold, there are still a couple of options available. 

Some garages will buy broken cars with the intention of fixing them and re-selling them. The issue comes when the residual value left in the car as is, is less than the finance amount. 

Another option is to sell the car for spares, to a breaker or dismantler. Again, the value of the car would have to be very high, and the remaining finance low for this to work. 

Get your car fixed by spreading the cost, interest-free 

thousands of partner garages across the country. 

To get started, check out where your nearest partner is. 

 has been writing about cars for over seven years and writing for Bumper for over two, blending his passion for automobiles with a talent for storytelling.

Joseph has written about engineering and cars for Autozilla, Komaspec, and several engineering manufacturers. When he's not writing or tinkering with one of his five cars, Joseph dreams of owning an Alfa Romeo 33 Stradale.

What to Do If Your Car Is Faulty On Finance 

Congratulations on passing your driving test! While a brand-new supermini with CarPlay and Hybrid technology might be ideal, it's not always realistic.

Fortunately, there are plenty of affordable, reliable, and safe second-hand cars in the UK. Your first car is memorable not for its luxury, but for the freedom and excitement of driving. The key features to look for are safety and reliability. 

In this article, we’ll highlight the best first cars for new drivers in the UK and what you should look for when car shopping.

So what are the best first cars available now? We’ve selected a list of good first cars you should consider before you hit the road.

We’ve also divided the options into different categories, so there’s something for every need and budget. Car research has never been so easy.

Let’s start with the most affordable cars for first-time drivers. You won’t break your budget with these under £2,000 options!

As of now, there are over 30 Mazda 2s on Autotrader for under £2,000, some with less than 80,000 miles, including a few in the eye-catching vivid green popular on Mazdas from 2008 to 2011.

We recommend the 1.3L petrol engine—reliable, chain-driven, and capable of achieving around 40 mpg while still offering enough 'pep' to keep the drive fun.

Suzuki has a strong track record with small petrol engines, and the Swift has always been a popular choice. The 2005-2010 model offers a comfortable driving experience with excellent reliability.

If your budget allows, go for the 1.5L engine over the 1.3L, as the 1.3L's gearbox can be a bit weak and 

 It's not a dealbreaker, but be sure to check the first three gears before buying.

The Ford Fiesta has been a favourite since 1976 and remains the most popular car on UK roads.

Though it has grown into the 'small-compact' category, it's still an ideal choice for first-time drivers. For £2,000, you'll likely find a Mark 5 (2002–2008) or Mark 6 (2008–2016) model with under 100,000 miles.

The 1.25L engine is renowned for its reliability and helps keep insurance costs low, while the 1.4L petrol offers a better balance of power and fuel economy.

The Volkswagen Polo is an excellent choice for new drivers due to its reliability, ease of handling, and comfort. 

Its compact size makes it easy to manoeuvre and park, while its well-designed interior ensures a pleasant driving experience. The Polo also comes with modern safety features for added peace of mind. 

A used 2017 model with about 60,000 miles typically costs around £900, offering a budget-friendly option with basic trims and less powerful petrol engines.

Have a budget of up to £5,000? Before you Google 

The Toyota Aygo can be found for under £2,000, but £5,000 will get you a 2015 or newer model with fewer than 100,000 miles. On Autotrader, you can find models as low as £1,000 if you really want to save.

It closely resembles the current generation, so it still looks modern. Available with a 1.0L petrol or a rare 1.4L diesel, we recommend the 1.0L. 

It's a reliable, rev-happy, and economical Toyota engine, and with basic maintenance, you should have no major issues.

Similar to the Aygo, the Citroën C1 (and Peugeot 107) shares the same foundation but features different body panels and badges. However, for the same price, the C1 often offers more features and fewer miles.

Like the Aygo, you can also find the C1 for as low as £1,000. However, the majority of sellers list this car around £2,500 to £3,500.

Be sure to check the service booklet, as Toyota recommends annual servicing, while Citroën suggests every two years—something to keep in mind.

If you live in a city with tight parking and don't need much space, the Toyota iQ is a great choice. It offers a lot in a small package with smart design and tech. The only engine option is a 1.0L petrol, usually paired with a 5-speed manual gearbox. 

For £5,000, you can find a good 2013 model with under 80,000 miles, though there are also options around £3,000 if you're looking to save.

The Volkswagen Up is a fantastic option for new drivers due to its reliability, compact size, and efficiency. Its small footprint makes it easy to handle and park, ideal for city driving. 

The interior, while compact, is well-designed for comfort and practicality. For safety, the Volkswagen Up includes essential features that enhance driving confidence.

If you're on a budget, a 2016 Up with 60,000 miles in mid-spec Move Up trim is around £5,500. Prices can drop to £4,000 or less for earlier models with 75,000 miles.

Good first cars for long-distance driving

If you have a longer commute, a supermini might feel tiring over time. It could be worth opting for something with a bit more power, comfort, and better soundproofing.

If you’re seeking more refinement and better motorway cruising, the VW Golf is an excellent choice. The 1.6 or 2.0 diesel engines are both reliable and economical, and since they're not particularly sporty, insurance quotes might surprise you.

For £5,000, you can find a 2014-2015 Mk7 model, which still looks modern. However, Autotrader usually has plenty of options above and below this price point.

Volkswagen doesn’t always pack in extras, so look for models with cruise control, climate control, and all-round electric windows for added comfort.

Known for comfort and safety, Volvos might not be the first choice for new drivers, but with a wide range of engines and low insurance groups, they’re worth considering. 

The V40, a medium-sized hatchback, offers excellent passenger comfort and compact dimensions, making it easy to park. New drivers should opt for the 1.6 petrol or diesel versions, avoiding the larger 2.0 or 2.5 engines.

You can find good examples for under £4,500 with fewer than 90,000 miles. While tech features may be basic, all of Volvo's renowned safety features come standard.

If you need a spacious family car, these options provide ample room for passengers, luggage, and pets, all while being a great value and affordable to insure.

Built on the Ford Focus platform, the Mazda3 is a larger vehicle compared to the others mentioned, making it ideal for new drivers who need to transport family members or children frequently.

Mazda's petrol engines are well-regarded, while the diesels have had some issues. We recommend the 1.6 Tamura specification for a good balance of economy and power. 

You can find plenty of Mazda 3s around £4,000, but if you’re looking to spend less, older models with higher mileage are available for £2,500 to £3,000.

Dacia, a reliable name in affordable, practical vehicles since its UK debut in 2013, offers the Logan MCV—a spacious estate car with an impressive 573 litres of storage. 

With various petrol and diesel engine options, we recommend the 1-litre petrol with a manual gearbox for the best reviews.

Logan MCVs are typically priced around £6,500, but you can find cheaper options on Autotrader. Given its excellent storage space and durability, the investment is usually worth it.

The SEAT Ibiza is an excellent option for new drivers seeking a balance of space and practicality. Its spacious interior comfortably accommodates passengers, making it a versatile choice for everyday use. 

The Ibiza also stands out for its generous luggage space, providing ample room for shopping, sports gear, or weekend getaways. This makes it a great choice for those who need a practical car with room to spare — but aren’t ready to opt for an estate car.

Additionally, the Ibiza can be purchased for as little as £3,000 from resale websites.

In the past decade, the number of people in the UK passing with an auto-only licence has doubled from 550,000 to 1.1 million. If you’re one of them, this next section is for you!

While automatics used to be reserved for larger engines due to their sluggishness and limited gears, modern auto transmissions are much improved.

 has been offering high-quality cars at great prices.

The Fabia, based on the VW Polo, is a compact hatchback that comfortably seats four adults. We recommend the 1.4 TSI petrol or the 1.4 TDI diesel, both paired with a good automatic gearbox.

A 2015 model costs around £8,000 with reasonable mileage, but you can find options for £6,000 if you balance price and miles, or as low as £2,500 for older, higher-mileage models.

Kia’s Picanto is a fantastic choice for new drivers due to its compact size and low insurance group. It’s especially appealing if you need an automatic, as the auto gearbox has received excellent reviews.

Unlike many cars of this size that use semi-automated gearboxes, the Picanto features a more reliable traditional automatic paired with a lively 1.25L engine.

For around £6,000, you can get a 2015 model with electric windows, climate control, and the sought-after automatic gearbox. Plus, Kia’s service plans offer added peace of mind that it’s been well-maintained.

If reliability is your top priority, consider the Honda Jazz. Its 1.4 engine is a timing chain-driven model with no cambelts to replace and achieves over 40 mpg.

For around £6,500, you can find a well-equipped, tidy 2014 Honda Jazz with a CVT gearbox. While it may take some getting used to compared to a traditional automatic, it's dependable and offers a refined driving experience.

The Jazz features smart design elements like folding seats and handy storage, making it a compact yet spacious option for transporting four adults.

The Peugeot 108 is a smart choice for new drivers, particularly those seeking an automatic transmission. Its compact size makes it easy to handle and park, ideal for urban driving. 

What makes this even better is that the 108 offers a smooth automatic drive option that simplifies gear changes, enhancing driving comfort and ease. This feature is especially beneficial for new drivers who may find manual gear changes challenging. 

Used prices typically range from £4,000 to £5,000, making it an affordable option for those seeking both practicality and style.

The 17 Best First Cars For UK Drivers

A driveshaft is vital for transferring engine torque and power to the wheels, making its proper maintenance essential for your car's performance and safety.

In this blog, we'll break down driveshaft replacement costs, explore average prices in the UK, highlight key signs that your driveshaft may need replacing, and share some expert tips to help you save money on this vital repair.

Average driveshaft replacement cost in the UK

The average driveshaft replacement cost is 

Your final cost will depend on numerous factors, such as:

Worried about car repair costs? With Bumper you could benefit from 

Keep in mind that these are just rough estimates. The actual cost of driveshaft replacement will depend on various factors, including the specific problem with your vehicle and the repair shop's labour rates.

Front driveshaft replacement costs typically range from 

, depending on the make and model of your vehicle and the location of the repair shop.

Rear driveshaft replacement costs are usually higher than front driveshaft replacements, with prices ranging from

Driveshaft replacement costs based on car make

The make and model of your vehicle will play a significant role in determining the cost of driveshaft replacement. 

Here are some examples of costs for popular UK car models:

Split the cost of a driveshaft replacement 

Bumper knows a large repair bill like a drive shaft replacement is the last thing you want to spend your money on, but essential parts such as shocks are crucial for you and your family’s safety. 

Look after your car and your bank balance by splitting the cost or repairs into monthly instalments, interest-free. 

The driveshaft is a critical part of your car's drivetrain, connecting the transmission to the wheels. 

It transmits power from the engine, enabling the wheels to turn and move the vehicle. Without it, the engine's energy wouldn't reach the wheels, making the car impossible to drive.

 or differential (depending on whether it's a front-wheel drive or rear-wheel drive car) to each wheel. This allows for smooth vehicle movement and acceleration.

 The driveshaft is also known as the propeller shaft.

How to save money on a driveshaft replacement

Now you know the driveshaft replacement costs in the UK, it’s time to talk about saving money on these repairs. 

A driveshaft replacement can be expensive, but there are ways to save and prevent future costs:

Regular vehicle maintenance, including checking your driveshaft for signs of wear and tear and 

 can help you identify potential issues before they become severe and costly problems.

Getting multiple quotes from different repair shops

 before settling on one is essential — even if you've been loyal to a garage for years.

This will help you find the most competitive job price and ensure you're not overpaying for the service.

If you have the skills and confidence, replacing your driveshaft yourself could save money. 

However, it's a complex, time-consuming task, so it's usually better to leave it to a professional if you have no training or experience.

A well-maintained driveshaft lasts 100,000 or more.

However, the lifespan of a drive shaft can vary based on several factors, including usage, driving conditions and maintenance.

If the vehicle is frequently driven on rough terrain or in 

extreme weather conditions such as snow or ice

, this can cause additional wear and tear on the drive shaft, resulting in a shorter lifespan.

4 signs you need a drive shaft replacement

A drive shaft replacement doesn’t come out of nowhere. Here are some signs a driveshaft repair might be in your future.

 could indicate a damaged or worn-out driveshaft.

especially at high speeds, making driving uncomfortable and potentially leading to more serious damage if ignored.

or unresponsive, jerky steering could also point to a driveshaft issue. Get this checked out ASAP!

cracks, or rust, is a clear indicator that replacement is needed.

Is it safe to drive with a bad driveshaft?

 — driving with a bad drive shaft is not recommended as it poses safety risks for you and other road users.

If it snaps while driving, you will lose power to that connected axle, or it could even fall and get stuck in the car. Head to a garage as soon as you suspect a driveshaft issue.

Replacing a driveshaft is complex and best left to a professional

, as it involves removing the old part, installing a new one, and potentially dismantling components like the suspension or exhaust.

Additionally, replacing a driveshaft can vary depending on the type of vehicle, as each may require a unique approach.

For example, front-wheel-drive cars typically have shorter drive shafts that are easier to replace than those on rear-wheel-drive trucks or 

Replacing a driveshaft without proper knowledge can cause further damage or injury. It's best left to a trained mechanic with the right tools and equipment.

How Much To Replace a Driveshaft? The Conclusion

The driveshaft is crucial for your vehicle’s performance, and any signs of damage should be addressed promptly. Hopefully, we’ve helped you estimate your potential costs and plan your 

Driveshaft replacement costs can be higher than expected, and that’s where Bumper 

Split the cost of expensive car repairs into interest-free monthly repayments and 

How Much Does A Driveshaft Replacement Cost?

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Financing is a great way to get a new, reliable car without shelling out tens of thousands of pounds upfront. 

However, one slight issue may occur when the car gets damaged or 

. One of the worst ways this can happen is a blown engine. If this happens, staying calm, assessing the damage, and planning your next steps is critical. 

In this article, we’ll provide some help and advice on what to do if your engine blows while your 

. No more Googling ‘car on finance engine blown.’ You’ll find everything you need to know here. 

Your rights when a motor blows up on a financed car

You are permitted to give back a financed car,

, as long as you’ve paid over 50% of the total finance cost. 

Unfortunately, in order to give back a car early, it will need to be in reasonable condition. If the finance company takes back a car and the engine is damaged, they are very likely to seek costs from you. 

So, if you’re thinking ‘my engine blew and I still owe money,’ jump to your three main options below. 

What Next? 3 options for a financed car engine failure

If you have a blown engine on a financed car, there are a few different ways to minimise the loss if your engine has blown, but you can’t afford to repair it outright. You can: 

Let’s go over these options in more detail below. 

Before deciding on the options below, ensure you’re cool, calm, and collected. A financed car with a blown engine is stressful, and it’s vital not to make rash decisions to protect your finances. 

Take a minute to assess the situation. Call a friend or family member for a second opinion if needed. 

 may be the first thing that comes to mind, there are far superior options available, especially with interest rates at the current levels. 

Car repair loans with 0% interest are much friendlier to your finances. They allow you to address the problem without dropping your credit score. 

Bumper offers interest-free monthly car repair loans

. The money goes straight to the garage, and you can split the cost into multiple manageable payments, which can be a big help if you need to repair your car. 

2. Sell the car to a mechanic or for parts 

If your car on finance needs a new engine, there are loads of companies and individuals that look for broken cars to buy. They have the space and know-how to fix them. If the car is not worth fixing, they may dismantle it and sell it for parts. 

This is often a more feasible option if your car is not very old, but it would still be worth a bit if it was in working condition. 

Various online marketplaces allow bidding. This method would probably yield the highest price. Alternatively, some companies buy cars in any condition — including engine failure on a financed car. These are often less hassle as they deal with the paperwork and admin for you. 

If you have the space, time, and knowledge to safely dismantle your car, you could make more than you would sell by stripping it down and selling the bits. 

Be warned, though, that this is not an easy or quick process, and you have to be prepared to arrange for the sale of parts and remove them yourself. Unless the car is a particularly rare example, you may be left with half a vehicle on your drive for months! 

If your car's finance engine has blown, the last thing most want to do is strip their car. So, consider this option carefully and ensure you have the time and resources before starting. 

 has any problems, you should contact your lender immediately. They need to know about the car’s value changes and your ability to make payments. Often, they have strategies and procedures to help in these situations. 

Can I trade in a financed car with a blown engine?

It’s rarely possible to trade in a financed car with a blown engine. But it’s not impossible. Sometimes, dealerships and lenders will accept trades. However, they’ll first assess the car’s value and damage. 

Note that a trade may not cover your outstanding finance balance. In this case, you’ll have to pay the outstanding difference. 

You’ll also have to be prepared for a lower trade-in value since the engine failure will have devalued your car. 

To determine whether your car is worth fixing, it's necessary to check how much the car would be worth if it was in working order. You need to get multiple quotes to fix the car's issue. 

Another consideration is how much it would cost to replace the car with one that is like for like, as this may be more than what your vehicle could be worth due to availability and market trends. 

Financially it's probably worth fixing a blown engine as long as the parts are available from a breaker or dismantler, as a new engine will often be more expensive than the value of the car. 

How to get insurance to cover a blown motor

Whether or not your insurance covers a blown motor depends on your personal policy. Before you contact your 

, review your policy to see if it covers mechanical breakdown coverage. If this isn’t included, you won’t be able to claim for the problem. 

However, some insurers allow add-on policies for these situations. Contact your provider for more information, but make sure you have your policy details on hand before calling. 

Like any repair, the cost will vary greatly depending on the car's age, make and model, and where you are located in the country. 

Advice

What to Do If Your Car Is Faulty On Finance

The 17 Best First Cars For UK Drivers

How Much Does A Driveshaft Replacement Cost?

Car Engine Blown While On Finance

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