Annabelle Clarke

PR Manager

Annabelle Clarke | Author

Eduardo Rodrigues

Content Writer

Claudia Tuñón

Isobel Coughlan

Joseph Law

Bumper Content Writer

Alastair Shephard

We're thrilled to announce the winners of our recent competition.

Service advisors at our partner contact centres have been busy discussing Bumper's interest-free PayLater option with their customers.

To celebrate their hard work, our team made some visits with a truckload of prizes to give away.

Giving drivers flexible payment options during their first enquiry boosts customer satisfaction and alleviates stress during their visit.

Congratulations to all our winners and thank you for using Bumper with your customers!

Revealed: Winners of our most recent competition

Richmond Bognor Regis has been crowned Bumper’s next Dealership of the Month. 

Operating in Hampshire, West Sussex and Surrey, Richmond Motor Group works with 6 different franchises across 7 locations. 

Since early 2023, the group has used Bumper’s PayLater products to split the cost of drivers’ repair bills into interest-free monthly payments. 

In that time, the Bognor Regis site has embedded PayLater into their everyday aftersales process, using the interest-free option to enhance the customer experience with increased payment flexibility. 

Ian Squibb, Aftersales Manager, said, “Thank you to Bumper for this award. Our team has seen firsthand the benefits of having Bumper available for our customers. 

“As a newer team, we’re focused on always doing the best for our customers, and Bumper plays a key role in that. 

“By offering flexible payment options, we’re able to enhance customer satisfaction and retention while also increasing authorised work through giving customers more choice.” 

Customers praised PayLater at Richmond Bognor Regis on Trustpilot, where the site received a near-perfect score of 4.8 out of 5 stars. 

One customer wrote, “Super efficient and easy to set up, really clear confirmation of payment plan as well.” 

Congratulations to Reece, Artur, Nick, Ian, and the whole team at Richmond Bognor Regis on your win! 

Enhancing customer satisfaction with Richmond Bognor Regis 

Power steering is a feature that is easy to take for granted, particularly if you’ve never driven a car without it. It makes driving, especially parking, much less of a chore. 

In this article, we’ll have a look at some common power steering faults and how much they are likely to cost.

How much does it cost to repair power steering?

Power steering repairs can cost anything from £60 to £1,500+ depending on what needs to be repaired or replaced. 

For instance, replacing a sensor or fuse could be relatively cheap, certain sensors typically only cost £20-30 and don’t take long to fit.

However, if significant parts are required, such as a new power steering pump or rack, it wouldn't be out of the ordinary for the bill to surpass £1,000.

A hydraulic fault, such as a split or leaking hose, could cause the system to leak fluid and stop working. These sorts of faults would likely cost between £200 and £600 to sort.

If your car needs work, consider Bumper's 

 to spread out the cost into monthly payments, all with zero-percent interest. 

Those who started driving within the last 20-30 years may not have experienced driving cars without power steering. In a nutshell, power steering drastically reduces the amount of force needed to turn the steering wheel.

In cars of old, carrying out a manoeuvre such as parking in a tight spot, or doing a three-point-turn, could result in a moderate arm workout! 

 the advent of power steering allowed car designers to fit modern-looking, small steering wheels. Take a look inside a car from the 70s or 80s and you’ll notice just how massive the steering wheel is. These were used to give the driver more leverage and make turning the wheel less difficult.

There are two types of power steering, hydraulic and electric; both work to make turning the wheels less strenuous, but do so in slightly different ways. 

Electric power steering uses an electric motor attached to the steering rack. When a sensor detects the driver trying to turn, the motor is powered in the appropriate direction, assisting the driver. 

Common faults with electric power steering systems include failing angle sensors - the part that detects when the driver is turning, and faulty motors. 

Hydraulic power steering uses a mechanically powered hydraulic pump to similarly assist the driver's steering input. The first thing to check when a hydraulic system is playing up, is the fluid level in the reservoir.

Common faults with hydraulic power steering systems can relate to an issue inside the rack itself or a fault with the power steering pump. The latter is often accompanied by a whining noise when trying to turn.

There are some telltale signs of certain power steering faults:

No, you should not try to drive a car with a broken power steering system. 

Whilst it’s true that cars haven’t always had power steering, the steering system is designed to be assisted by it, making turning the wheel incredibly difficult in the event of a power steering fault.

Have your power steering fixed with Bumper

Car problems almost always crop up at the worst time. If your car has developed a fault, Bumper could help spread the cost of paying those expensive repair bills with interest-free 

 has been writing about cars for over eight years and writing for Bumper for over three, 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 cars, Joseph dreams of owning an Alfa Romeo 33 Stradale.

Power Steering Repair Costs (UK Prices)

No, Bumper does not do a “hard” credit check when you apply. 

When applying for Bumper’s Buy Now Pay Later service for car maintenance, Bumper performs a “soft” credit check, which does not affect your credit score. 

However, this is just the initial search. If you accept your Bumper plan and start making repayments, these will be reported to the credit reference agency. 

If you make payments on time, this could positively affect your credit score. 

Read on to find out more about how credit checks with Bumper work: 

Yes, Bumper does a “soft” credit check when you apply for their interest-free finance product. A “hard” credit check isn’t performed. 

Soft credit checks show on your credit report but aren’t visible to other lenders. Only you can see them. 

Because other lenders can’t see them, they won’t affect other credit applications, such as a mortgage or finance to purchase a car. 

When you start making repayments towards a Bumper payment plan, repayments will be reported to the credit reference agency: 

Bumper performs a soft credit check. This is only visible on your credit report to you. 

Payments made on time or missed payments would be reported to the credit reference agency. 

How strict are Bumper’s credit checks? 

If you have a good credit history and have been regularly making repayments to other lenders on time, it is most likely that you’ll be approved. 

If you don’t have a very good credit history and you regularly miss repayments or have a history of defaults, you may not be accepted. 

However, applications are reviewed on an individual basis, and we cannot guarantee you’ll be approved. 

Why does Bumper perform a soft credit check? 

The “soft” search Bumper performs gives us a an overview of key aspects of your credit history, allowing us to make an assessment of your creditworthiness. 

As a responsible lender, we must do all we can to make sure we don’t approve anybody for credit that they might not be able to repay or could push them into financial difficulty. A soft search lets us do this. 

Does a credit check from Bumper show to other lenders? 

The soft credit check Bumper carries out when you apply doesn’t show to other lenders. 

However, if you start your plan and accept your agreement, on-time and missed payments will be reported to the credit reference agency. 

Does a credit check from Bumper show immediately? 

Bumper reports the soft credit check to the credit reference agency straight away. 

It is important to remember that a soft search only appears to you. It doesn’t show to other lenders. 

Does using Bumper improve your credit score? 

Yes, using Bumper could improve your credit score. 

Regularly making payments on time is a good way to show lenders you’re likely to meet their repayment schedule and can positively impact your credit score. 

However, missed or default payments could affect your credit score in a negative way. If you think you’re unable to make your repayments, the best thing to do is speak to Bumper straight away. 

Final thoughts – does Bumper do a hard credit check? 

Hopefully, this guide has given you all the information you need about how credit checks for Bumper’s 

No, Bumper does not perform a hard credit check. It performs a soft credit check, which only you can see. 

If you accept your credit agreement, the payments you make or miss will be reported back to the credit reference agency. 

Does Bumper do a hard credit check? 

We’re excited to announce the next Dealership of the Month as Riverside Volvo Hull. 

The Volvo site has been part of the Bumper network since 2021, using PayLater to split the cost of their customers’ bills into interest-free monthly payments. 

Now, the site is one of the latest to roll-out Bumper Pro, a complete payment solution combining every payment method – PayLater, Pay by Card, Pay by Bank and PayPad. 

Pro enables dealers to simplify payment management and reduce processing fees. 

Connecting seamlessly to Pinewood.AI, Bumper Pro has allowed Riverside Motor Group to automatically reconcile payments, saving their teams needless time spent manually matching payments. 

Intelligent payment routing has unlocked significant transaction fee savings for the group, with drivers automatically directed to a preferred payment method depending on their transaction size. 

Additionally, with multiple providers and payment types at their fingertips, Bumper Pro has equipped Riverside Volvo Hull with the necessary tools to almost eliminate the possibility of payment downtime. 

Group Operations Director, Andy Jackson, at Riverside Motor Group, said: “Bumper Pro has had a major impact on our operational efficiency. Automatically reconciled payments within Pinewood saves our team heaps of time, completely eliminating what was a previously laborious process. 

“Pro has also had a positive impact on our customers. With every payment option connected seamlessly through our Bumper account, DMS and the Bumper PayPads, our drivers are given the ultimate flexible payment experience consumers have to expect.” 

Riverside Volvo Hull: Transforming payment management with Bumper Pro 

BMW’s MINI brand is one of the most popular on UK roads, especially when you consider all the models such as the Countryman, Clubman and of course the Cooper. However, being a subsidiary of BMW, are repair costs very high? 

In this article, we’ll take a look at some common faults relating to the drivetrain of common MINI models, and how much they’re likely to cost. 

How much does repairing your MINI drivetrain cost?

Drivetrain repairs on MINIs can cost anything from £200 to £3,000+.

The drivetrain of your car is anything that transmits power from the engine to the wheels. In most two-wheel drive cars this includes the clutch and flywheel, gearbox, differential and driveshafts.

If your car needs significant drivetrain work, such as a replacement clutch or gearbox repair, Bumper can help spread the cost with interest-free 

Clutches in most modern MINIs cost between £450 - £1300, depending on the particular model, and if any other components need to be replaced. 

For example, if the dual mass flywheel needs replacing, you should typically estimate another £200-300 on top of the above figure.

Gearbox replacements can cost between £550 for a reconditioned manual one fitted, to over £3,000 for a new automatic unit. 

In some cases, the fault can be repaired without completely replacing the gearbox, but this will still typically cost at least £200-300 as it is likely to involve removing the gearbox.

How much are replacement MINI driveshafts or CV joints?

Replacing MINI driveshafts generally costs between £70 and £550, depending on whether just the CV boots need to be replaced or if the whole unit needs replacing.

Driveshafts transmit power from the gearbox to the wheels. To enable the necessary suspension travel, CV or 

 joints are used. These contain multiple bearings and are generally the reason a driveshaft needs to be replaced.

What are the main components of a car's drivetrain?

The term drivetrain refers to a collection of components that transmit power from the engine to the wheels. It incorporates:

The clutch is used to engage and disengage power from the engine to the gearbox. They are typically only found on manual gearbox cars, although some types of autos also use clutches. 

This is attached to the clutch and serves to smooth out power delivery, making the car easier to drive. Dual mass flywheels can sometimes cause issues, but solid ones generally do not need to be replaced.

Used to select the gear ratio, it is a complex assembly of multiple spinning shafts and many gears; some types of modern automatic gearboxes are even more complex still.

On Front Wheel Drive cars, the differential is built into the gearbox, but in rear-drive cars, such as most BMWs and others, it is a separate unit located underneath the boot. Its job is to allow the driven wheels to spin at different speeds, such as when turning. 

Are MINIs more expensive to repair than other car brands?

MINI repair costs are typically higher than the average, both in parts costs and labour rates.

Although MINI does make some performance models, such as the Cooper S and John Cooper Works editions, most of their cars are modestly powered and spec’d daily use vehicles, rather than luxury or high-performance cars. This is generally a good thing for repair costs.

However, as MINI is a subsidiary of BMW, parts costs can be expensive, as can labour rates. There are also a few common faults that can be a hit to your wallet, such as the N14 engine.

If your car does not need to be repaired at the dealer to maintain its warranty, it is advisable to use an independent specialist, which will have much lower labour rates. To help with the cost even further, check out Bumper’s zero-interest 

MINI Drivetrain Repair Costs

If your car's handbrake no longer works, or your car has failed its MOT on excessive handbrake travel, it’s possible you will need a new handbrake cable. This article will discuss how much that is likely to cost, and what to look out for.

On most cars, a handbrake cable will cost between £120 and £340 fitted. Although this can depend on the make and model of the car, and your location.

In general, handbrake cables are pretty simple devices that work roughly the same across most vehicles, so the main difference will be labour rates - i.e. where you take the car to be repaired.

 lets you split the cost into monthly payments, completely interest-free.

Much like the brake cables on a bicycle, the handbrake cable transfers force from the handbrake lever to the brake callipers or drums. This enables you to leave your car parked on a hill, or, in the event of brake failure, slow the car down. 

The cable itself is a metal braided cable running inside a plastic sleeve, with an adjustment mechanism near the lever.

Sometimes, when your handbrake is weak or faulty, the cable just needs adjusting. There is usually a place to do this near the handbrake lever, either under the car or inside the cabin, but it’s best left to the professionals to avoid incorrect adjustment.

However, the cables can become stretched, especially if the car is an older one. In this instance, there may not be enough adjustment travel left to get an effective handbrake force, and thus the cable will need to be replaced.

Does my electronic handbrake have a cable?

Electronic handbrakes use a button in the cabin and a motor on both rear wheel brake callipers to apply the handbrake. As such, they do not have a handbrake cable at all. 

If your electronic handbrake is not working properly, it will need investigating to find the source of the issue. It could be a faulty control module, motor or a seized calliper. 

A handbrake that is not effective will not stop your car from working, but you should not drive with a broken or ineffective handbrake. Not only does it cause issues when parked, but in the event of your main brakes failing, the handbrake still allows you to bring the car to a stop. 

This is the reason the handbrake is called an emergency brake in some regions. Furthermore, if your handbrake cable snaps, it could easily become entangled in a moving part or catch something on the road surface whilst driving.

Paying in affordable instalments can help lessen the impact of hefty car repair bills, especially at zero-per cent interest. Bumper offers just that, interest-free 

Handbrake Cable Replacement Cost

In cars with a cable-operated clutch, a broken cable can leave you stranded, unable to select or engage any gears. There are many symptoms that point to a broken or worn clutch cable. 

We'll go over the main ones in this article, along with discussing the potential costs of repairing a clutch cable.

Replacing a clutch cable costs between £250 - £600, depending on the type of car and location.

Because the types of cars that use a cable clutch tend to be smaller, more affordable ones, the parts are generally competitively priced, and often don’t take too long to replace. 

In many cases, the biggest cost of a clutch cable failing is in the recovery services needed to tow the car to a garage, as the car will no longer be drivable. 

Spread the cost of replacing your clutch cable with Bumper’s 

. Choose from hundreds of approved garages across the country and benefit from zero-per cent finance repayments.

Your car's clutch is a device that engages and disengages power from your car’s engine to the gearbox and, therefore, the wheels. The clutch cable operates this device by transferring force from the clutch pedal to the clutch mechanism.

Most modern cars use a hydraulic clutch, and cable-operated clutches are often found on older and smaller, more affordable cars, as they are cheaper to manufacture. 

A clutch cable is similar to that of a brake cable on a bicycle. It uses a braided steel cable that runs inside a housing, retained at both ends. 

Symptoms of a broken or worn clutch cable

Common symptoms of a broken or worn clutch cable are different from those of a worn clutch, the latter being when the friction material inside the clutch has worn away. Symptoms of a broken clutch cable can include:

A clutch cable can also be rusty, seized or simply worn out. It’s important to pay attention to these symptoms and have the cable looked at before it snaps and leaves you stranded. These are the signs of a worn or problematic clutch cable:

Can a broken or worn clutch cable cause a clutch to slip?

Typically, a clutch will start slipping because the friction material on the clutch plate is wearing thin, not because a cable is worn or broken. 

However, a badly adjusted clutch cable, or one that is extremely worn, could cause similar problems if, for example, it wasn't allowing the clutch to release fully.

Can you drive with a broken or worn clutch cable?

If your clutch cable has snapped, it will be nigh on impossible to get the car into gear safely and without damaging the gearbox. Even if you can get it into gear or begin driving, a car with a broken clutch cable should not be driven.

A worn out, stiff or corroded clutch cable may still operate the clutch and allow you to drive, but if the pedal is particularly hard to press, or sometimes doesn’t pop back up after use, continuing to drive could cause the cable to snap, and leave you stranded. 

If your clutch cable or clutch is showing signs of extreme wear or degradation, you should look to have the parts replaced as soon as possible to avoid costly recovery bills. 

To help with those repair bills, consider using Bumper’s 

, you can take your vehicle to any number of pre-approved repair centres, and spread out the cost. Find an approved partner garage on our website.

Clutch Cable Repair Cost

Find all the latest industry news and handiest car repair and service tips on the Bumper Blog. Want to get the Bumper view on something? Let us know and we’ll drop a blog post on it as soon as we can.