Annabelle Clarke

PR Manager

Annabelle Clarke | Author

Eduardo Rodrigues

Content Writer

Claudia Tuñón

Isobel Coughlan

Joseph Law

Bumper Content Writer

Alastair Shephard

With the cost of owning a car skyrocketing, new research conducted by vehicle repairs service 

 has found that, of those who needed repairs, UK drivers spent an average of £803 last year on car repairs.

The research asked 2,320 UK drivers over the age of 18 if they have needed vehicle repairs in the last 12 months. Almost two-thirds (64%) of those questioned said they did have to fork out for repairs in the past 12 months, with an 

 (the lowest repair cost stated was just £37, while the highest was £1,796).

The latest National Travel Survey conducted by the Department for Transport* estimated that they are approximately 35.9m driving licence holders in the UK. When multiplied by the average cost that drivers admit spending in the past year on vehicle repairs, this would mean that drivers who required motor repairs in the past year collectively spent an estimated £18.5bn.

The results found that the below cities were home to the motorists who had to shell out the most on their car repairs:

Meanwhile, the cities which reported the lowest repair costs were found to be Liverpool (£37), Newcastle (£61) and Cardiff (£85).

The survey also asked respondents what repairs they needed to pay for over the past year. The most common answers were:

Interestingly, drivers in the South West were more likely to need tyres replaced that the rest of the country, with 73% saying they needed this repair done. Meanwhile, in the North of England, the most 

 reported was windscreen repair/replacement (59%).

“We all know that maintaining a vehicle can be expensive, but this new research really highlights just how much vehicle owners might need to spend every year. High repair costs can leave some road users feeling unable to maintain a vehicle and therefore unable to travel for both essential reasons, such as work or childcare, and also to do the things they love, such as visit friends and family or even go on holiday.

“Since the start of the year, we’ve seen the cost of living increase rapidly, particularly in the motoring sector with the cost of fuel reaching record highs. It’s more important than ever that drivers are aware of the cost of repairs and different ways to manage the financial strain of this. From putting aside a little bit of money for future repairs every month to looking into affordable buy now, pay later services, there are many ways to stay on top of your vehicle costs so that you’re not left stranded.”

Founded in 2013, Bumper (formerly Auto Service Finance) provides an interest-free digital payment platform for vehicle repairs and services, enabling owners to spread their costs. It also delivers an instalment financing solution using proprietary AI-enabled technology to facilitate real-time lending decisions.

Bumper enables dealerships and garages to sell a larger proportion of red and amber work, reducing workshop downtime, with no risks or liabilities, while also creating greater customer loyalty.

 fastest-growing fintech in the 2022 FT1000 rankings of Europe’s fastest-growing companies, Bumper works with over 3,000 dealerships and garages across the UK and the Republic of Ireland, helping over 160,000 drivers to fund their servicing and repair bills.

Bumper is based in London and Sheffield, with a tech development centre in Ankara, Turkey.

UK motorists have collectively spent over £18bn on car repairs in the last year

Cars, like any machine, don't last forever. They consist of complex systems with numerous moving parts that endure daily stress, temperature extremes, and friction. 

Over time, components wear out, fluids need replenishing, and electrical parts may fail. As a result, certain car problems frequently occur, leading mechanics to perform the same repairs repeatedly.

In this blog, we'll cover the most common car repairs. The good news? Many can be avoided or delayed with proper 

Here are the nine most common car repairs:

Spark plugs are small but essential, igniting the fuel to start your engine. 

Though inexpensive and replaceable at home, proper installation is crucial. Delayed or incorrect replacement can cause serious engine and transmission damage. 

Whether you DIY or visit a service centre, ensure this common car repair is done correctly.

 comes on, a loose fuel cap is often to blame. 

Ignoring it can reduce gas mileage, as excess air in the tank causes fuel to burn faster, leading to more frequent fill-ups and higher long-term costs.

Oxygen sensors measure exhaust oxygen levels to optimise engine performance and emissions by regulating the air-fuel ratio.

So long as the ratio of air and petrol in the chambers remains optimal, your engine will run just as it should. Replace these as and when required!

4. Ensuring brakes and pads are replaced on time 

Everyone knows brakes are important. More than a quarter of all car accidents happen because a vehicle didn't — or couldn't — stop in time to avoid a collision. 

, which wear down naturally with everyday use. 

On their own and when done on schedule, the cost of replacement isn’t pricey. Regular brake maintenance can also cover brake discs, drums, lines, and rotors.

If you're worried about car repairs, then Bumper could help by splitting the cost into interest-free monthly instalments at no cost to you.

 in your car every 3,000 miles or so to keep your engine running smoothly and efficiently.

Oil collects debris over time, reducing its lubricating ability. Fortunately, oil changes are easy to learn through online or DIY courses.

Keeping accurate records of oil changes can boost your car's resale or trade-in value. Some mechanics will even put a sticker on your windscreen reminding you when the 

Without well-inflated tyres and treads appropriate for the weather, you can sacrifice control, speed, and fuel efficiency.

It's vital to get your tires patched quickly anytime you run over a sharp object like a chunk of broken glass, anytime you notice a leak, or if the tires have simply become too worn. 

Mechanics are also trained to spot tire issues, even during unrelated repairs.

The ignition system on a car includes the starter, battery, and the ignition key or button assembly on the dashboard. 

If any of those pieces aren't working, the engine won't turn over — or you might end up with an engine failure in mid-journey. This is one of the most common repairs on cars, and one to watch out for!

In addition to the ignition and starter, key electrical components like fuses and light bulbs that need regular replacement are also connected to your battery. 

These types of repairs can easily be done at home, and the components are easy to find at shops like Halfords, which stock automotive goods.

Just do a bit of homework and be sure you have the correct specifications in fuses or bulbs.

Car alarms installed after the car leaves the dealer’s forecourt often cause problems. 

Alarm systems need to draw power from the car’s battery and electrical system in order to operate. As an add-on the alarm can cause other systems to receive less power than they need and fail. They can also kill the battery if installed incorrectly. 

Ensure the alarm matches your car's electrical specs, or you may face costly removal.

The alternator charges your battery and powers the electrical system. It’s a critical component of any car and responsible for safe driving. 

Signs of failure include dim headlights, a dead battery, or a dashboard warning light. If you notice any of these, have your alternator checked and replaced if needed.

An overheating engine can be caused by a wide range of issues, from a malfunctioning radiator to a cooling system leak.

If you realise your engine is overheating you must pull over and turn your car off. Allow the car to cool down and then open the bonnet and check the coolant level. If low, top up the coolant. If the overheating problem continues, you must visit a mechanic.

If you do find yourself facing a large repair bill for something unexpected, a 

You might also consider a ‘buy now, pay later’ service like Bumper, which lets you get the repairs you need quickly while deferring payments in easy interest-free instalments. 

By staying informed about common car repairs, you can make smarter decisions that save you time, money, and stress. Regular maintenance and attention to early warning signs help you prevent minor issues from becoming major problems — which is 

Embracing these tips and working with a trusted mechanic when needed will not only extend the life of your car but also ensure a safer, smoother, and more enjoyable driving experience. 

Bookmark this page so you don’t forget these most common auto repairs!

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.

11 Common Car Repairs Drivers Need To Know

Was sind die häufigsten Autoreparaturen?

How much should you expect to spend every year on keeping your car in smooth running order? A 2020 study by Kwik Fit found that the average UK driver spends around £1,300 every year on 

 That includes petrol, trips to the car wash, but crucially — repairs and breakdown recovery.

Ranked by cost, you won't be surprised that petrol is the biggest line item in the budget. But maintenance and repairs come in a close second.

Those figures don’t tell the whole story. Unexpected repairs and breakdowns 

. Numbers from WarrantyWise suggest the average bill for an unexpected repair is north of £600, and the more expensive the car brand, the higher the cost. 

shock car repair bill, it's worth looking at what you can do to keep your car in top condition and avoid unpleasant surprises (and you could even consider applying for 

Close to 10 per cent of drivers try and save on car maintenance by putting off 

 or delaying routine servicing. Experts agree that waiting until repairs are absolutely necessary is a ‘false economy’ that often costs drivers more in the long run. 

To avoid unexpected repairs and breakdowns, the best way to ensure your car is operating efficiently is to regularly maintain it. If you don’t, you run the risk of 

 if problems go undetected and lead to major repairs. 

But there are effective ways to keep visits to the mechanics to a minimum. Here are five proper ways to trim the cost of auto maintenance and repairs. 

Getting more life out of your car’s moving parts is often as simple as taking it easy behind the wheel. 

and tyres will all last you longer if learn to relax a bit and be sensible when you’re on the move. 

Follow these simple techniques and your car will repay you with fewer trips to the mechanic: 

Pay attention to what’s happening further up the road and brake gradually as the situation demands. Gradual versus ‘sudden’ braking will keep your discs and brake pads from wearing out before their normal lifespan expires. If you hammer the brakes on a regular basis it creates more friction and brakes down their component materials faster. 

Don’t keep your foot pressed down on the clutch pedal after you switch gears. Doing that means the clutch isn’t fully re-engaged, which could cause the plates to slip on the gearbox shaft. Over time that will cause significant and expensive damage to your transmission. 

Steer clear of speed bumps and potholes: 

Your vehicles undercarriage, exhaust, and tyres can all be damaged by flying over potholes and speed bumps. The end result can be a painfully expensive repair bill — all of which could be avoided by taking it slow over speed bumps avoiding potholes entirely 

2. Don’t put off scheduled service visits 

At risk of repeating ourselves, most car makers suggest that you bring your car in for a full end-to-end service every 12 months or every 12,000 miles, whichever comes first. 

While the fear of an unexpected repair bill can make people fearful about taking their car in for a checkup, in the end it can lead to a bigger repair bill when you’re hit with a failed MOT inspection down the road. In fact, the Royal Automobile Club found that close to 60 per cent of drivers who hadn't been in for regular service paid between £500 and £1,000 in order to pass the MOT. 

Keeping your car and undercarriage free from dirt and dust can help keep grit out of moving parts and stop slow-but-steady damage to the vehicle's exterior. Kwik Fit’s study of repair costs also found that UK drivers spend an average of £60 every year taking their car in to the car wash. While that might not seem like a lot of money, over the course of a car’s normal lifespan (circa eight years) you could cut close to £800 from your maintenance costs by cleaning the car at home. 

Electric vehicles are increasing in popularity and repair costs are part of the attraction. Along with being more sustainable, e-cars are rightly hailed for being cheaper to maintain. Their motors contain fewer moving parts. And perhaps most importantly, charging an electric vehicle is significantly cheaper than filling a tank with diesel or petrol. 

The latest industry research shows that electric cars are about 25 per cent 

with a traditional petrol-fired internal combustion engine. On average, that equates to savings of about £300 annually. 

If you’re willing to sit through a few YouTube videos and learn how to handle basic car maintenance, you can save a lot of money every year by avoiding leaving your car in a service bay for a mechanic to do the work instead. 

When you take your car in to a garage, you’re paying for both parts and labour. In many cases, a bit of shopping around will locate the same parts for less than what the mechanic is going to charge you for them. Learning how to do things like change spark plugs and do oil changes can save you hundreds of pounds every year. 

How high are auto maintenance and repair costs in the UK? 

Unfortunately, we don’t get to choose when our car is going to break, and in many cases, it seems to happen at the worst time. 

With daily life becoming more and more expensive, large unforeseen bills can have a major impact on our finances. But that’s where car repair loans come in. 

Loans for car repairs can take the pressure off an expensive bill and help you manage your finances without stress. Keep reading to learn more about auto repair loans, how they work, and what you need to know before signing up for one. 

A car repair loan is a specific form of lending that helps pay for car maintenance or repair bills. These loans split the costs into multiple payments over a series of months, allowing you to minimise the impacts of a big surprise cost. 

Usually, the amount is paid directly to the garage doing the work, and the car owner repays the loan company in monthly payments until it is complete. 

Banks and credit unions typically charge interest on money lent, but car repair loan companies like 

Bumper makes money by charging the garage a small service charge instead. But don’t worry. This cost will never be passed on to you through inflated rates. We’re here to make the experience easier, not more stressful.

What fees are there for securing a car repair loan?

As the borrower, none! There shouldn’t be any fees to the customer to secure a car repair loan. 

, we charge the garage a small service charge, and that’s it. Assuming you make all the 

 as agreed prior to arranging credit, there are no fees to be paid with our car repair finance. 

, it couldn't be easier. Our website will guide you through the steps one by one. To get started, visit our 

The process for car repair finance is simple: 

What information do I need to apply for a car repair loan?

If you need a loan to get your car fixed, you’ll need a few personal details. 

, you will be asked to provide information about your car and location. From there, we’ll present a suitable selection of local garages. 

We also do a ‘soft credit check’ in order to guarantee eligibility for a car repair loan, and this will require information such as your full name, address, date of birth, and any current credit lines you have. 

Do I have to provide security for a car repair loan? 

No, unlike many bank loans, you don’t need to provide collateral for a car repair loan. 

This means you don’t need to own your own home or car outright to get approved for a car repair loan, making the process much easier. 

An option lots of people use for large purchases is a credit card. This allows you to cover the cost of large bills without needing to pay upfront, but they do have their downsides.

credit card companies offer zero interest rates

 on a fixed term, say 18 months, these are usually offers rather than permanent schemes, meaning it's very important to check and double-check what interest you'll have to pay. 

After the first month, many credit card lenders charge in the region of 20% APR, with this compounding if payments are missed. If your credit score isn't perfect, this rate can skyrocket to 40 or 60%. 

 allows guaranteed 0%-interest repayments over a timescale that is established before the money is lent, meaning you won't get any surprises when your statement arrives next month. 

 service is the speed of approval. In many cases, car repair loans can be taken out in as little as one day, enabling your garage of choice to get to work straight away. 

If you have a poor credit score or need a large bill covering, it may take an extra day or two. This is likely to be faster still than taking out a new credit card or applying for a bank loan. 

As well as Bumper or using a credit card, there are a few other ways to spread the cost of car repairs, each with its own downsides and benefits. 

Paypal has offered a buy now pay later option for a while, for some customers can give 4 months zero interest loans. 

Whilst its platform is widely used online and in e-commerce purchases, in our experience, there aren’t many garages that will accept a PayPal scheme. 

Another downside is that PayPal’s standard credit limit is £1200, which is often not enough for more serious repairs. 

Klarna is a payment tool that is popular in retail stores and is available in a few garages, but this is limited by the very same points mentioned above, including a restrictive payment plan and limited availability. 

A few garage chains in the UK offer a buy now, pay later service within their group, which allows customers to spread the cost. 

Whilst these can be a great help, we’ve found not all branches offer the service, and as such, you need to be sure your local garage offers the service and can accommodate your vehicle in your preferred time period. 

They also tend to be less flexible, requiring a fixed rate for deposits, repayment times, and amounts. This can be difficult to manage if your car repair bill is significant. 

Will a car repair loan impact my credit score? 

When applying for a car repair loan, we will do a soft credit check, which will not affect your credit score. Once your loan is approved, paying back the loan in time with the schedule agreed will actually improve your credit score. 

how car finance affects your credit score 

Can you get a repair loan with bad credit?

All loan providers will check your credit score to determine if you qualify for particular products. 

s car repair loans can be a good option for those with low credit scores. However, approval will depend on the individual's circumstances. 

Car and auto repair loans can take the strain off a stressful situation. So, if you need urgent car repairs, make sure you consider loans before deciding on your final payment option. 

If you’re worried about car repairs and think you might need a car repair loan, let 

 take care of it. Split the cost of car repairs into easy monthly repayments, completely interest-free. Choose from 1000s of trusted garages and dealerships. 

Car Repair Loans: Everything You Need To Know

When it comes to considering a car’s lifespan, mileage is a vital metric to consider. But as straightforward as it sounds, mileage is more than just accumulated driving distance over time. There are a number of variables that can make mileage more or less of an issue. 

High mileage can also mean more unexpected maintenance and repairs. That makes mileage a key question when you’re buying a used car. In reality, you should be asking how much time you will likely have with a car that’s seen its fair share of motorways, maintenance, and repairs. 

You might have heard that a car with 200,000 miles on it is probably headed for the junkyard. That's often true. 

But what about cars that have racked up less? When does a car’s overall mileage put it into ‘high mileage’ territory, and should a big number on the odometer stop you from purchasing a used car? 

In this article we’ll look what is high mileage for a car, along with the other factors that will influence its value and likely longevity. 

Generally, high mileage on a car is anything beyond 1000 miles a month or 12,000 miles per year. Mechanics usually agree on the figure as ‘average’ car use. More than that is considered high mileage, so a three-year-old car with 40,000 miles, for example, would be in the high mileage range. 

Still, mechanics typically use the phrase 'high mileage' when a car has 100,000 miles or more on the odometer. That sort of mileage can put a lot of owners off and many cars don't come with warranty cover for more than 100,000 miles. 

But the truth is, a car’s mileage often doesn’t actually give you much practical insight into its condition. In fact, a car that’s been used regularly is often in better shape than a car that’s been used off and on, or left to sit unused for long periods. 

So, mileage is only part of the story. What you really need to know is 

. A lot can depend on the make and model, the owner’s level of care, and other factors. 

In many cases, the owner’s level of care for the car is the single most important factor in determining how the machine holds up over the years. A car that’s been well-cared-for may be good to make it to 200,000 miles or more. 

Preferably, someone selling a used car should be able to provide you with at least basic information on how it’s been maintained and information on how it was driven. Was it used for daily commuting, for business purposes, mainly for leisure trips at weekends? 

In addition to those questions, other things to look for include: 

Of course, if a car has had a number of owners, that info may be sketchy or unavailable, which takes us to the next tip. 

There's single rule for deciding if a car has too many miles, but looking at its history can give you an idea of its likely lifespan going forward. 

If you were presented with two identical cars, one with 50,000 miles on it and another with 70,000, the normal reaction would be to select option one. It has the lowest mileage so it's had less wear and tear, right? 

Maybe. What if the 50,000-mile car was previously part of an urban car-club scheme, while the 70,000-mile car was privately owned by someone who commuted from a market town to a trading estate via motorways and A-roads. Would that change your mind? 

The car-club car has probably been driven extensively in town. That puts a lot of wear and tear on a car’s clutch and brakes. When mileage is accumulated over short journeys, the engine is often cold — so oil’s ability to protect internal components is at its lowest point. A car club car also won't be treated with the same care by the people who drive it. 

A single owner is much more likely to treat their car with care and use it for longer trips on the motorway. On the motorway, you leave the clutch or the brakes mostly untouched and the engine operates at a relatively low set of revolutions, so internal components are better protected. 

You're also a lot less likely to pick up the scrapes and bumps that are a reality of city driving. Longer journeys also give a car more time to reach its optimal temperature, so your engine oil is better able to do its thing. 

A car with a small number of owners is generally a good sign. The more hands a car has passed through, the greater the chance of an unreported crash, deferred maintenance or other undesirable events. 

For this reason, single-owner cars are the holy grail every used car buyer looks for. It makes it much easier to find information about the car’s service history or know if it's been involved in a collision. 

However, here’s where you have to take the big picture into account again. What 

 of miles did the owner put on the car? Were they an aggressive driver who drove with their brakes, or more of relaxed driver who could take the daily stresses of British roads in stride? 

If you’re contemplating a used car purchase, don’t be put off by the speedometer reading alone. Do your homework and you could bag a bargain with miles of road life left to offer. 

 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.

What is high mileage for a car? 

Welche Laufleistung ist bei einem Auto hoch?

Keeping your car in tip-top condition is one of the best ways to stave off mechanical failures and unexpected repairs. It might sound like common sense, but many drivers fail to do the most simple — and relatively inexpensive — things that can keep cars running smoothly. 

. But put those things off for too long, and you’re inviting trouble. 

What simple steps can you take to maintain your car and keep it out of the mechanic’s service bay? Here, we’ve gathered the best tips to help you learn how to prevent car problems. Let’s get started. 

How to prevent car problems — 7 tips drivers must know

From driving sensibly to keeping your car clean, we’ve asked the experts and compiled the top 7 tips you need to know to prevent car problems. Get your notepad out and jot these down to keep your car healthy. 

This one should go without saying, but if you want to keep your car in tip-top condition, not ragging it and treating it like a rally or a race car should be your priority. 

You don’t have to drive like your nan, but sympathetically driving your car should keep your hard-earned cash in your wallet and not in the till of the local mechanic. 

Driving your car with a little more caution will help reduce wear and tear and allow you to get more miles out of each tank. 

Not only that, but driving sensibly, changing gears smoothly, treating the steering wheel, the 

, and even the pedals with some care and attention will pay dividends in the long run. 

Also, driving sensibly means you’re looking ahead and watching for hazards, reducing your need to slam on the 

 every 5 seconds - the more aggressive you are, the more likely you are to burn through fuel and require costly repairs. 

Plus, if you’ve removed an extended warranty cover, it’s unlikely to cover you for wear and tear. So, if you want to keep your money in your pocket, treat your car carefully. 

Yes, the underneath of a modern car’s bonnet can appear to be as complex as the USS Enterprise, but checking the spark plugs on your car still remains an easy fix, even for a non-petrol head. 

Always consult your user manual before you do it, just in case, and if you aren’t sure, raise it as a concern at your 

, you’re checking to make sure they don’t show signs of wear and tear. If they do, this could be an indication that they need replacing. Also, they can be representative of the state of your engine. 

So if the spark plugs are shot, and you don’t think you’ve put the car through its paces to warrant their wear, take the car to a garage to get it checked over. 

Just like us, cars need fluids to stay healthy. Replenishing your 

 can save its life. Get into the habit of checking the oil fortnightly. This is easy and includes:

While you’re checking the oil level, also check the coolant levels. If this needs topping up, fill it up with half and half distilled water to antifreeze. 

And don’t forget to check the screen wash too. Being able to see out of your windscreen is essential to staying safe. 

Not only is it a legal requirement to ensure the 

 on your tyres is at a suitable depth - the legal minimum in the UK is 1.6mm, but you should consider changing your tyres when they are between 2mm and 3mm; it could also save your life. 

The tyres grip the car to the road, and if they aren’t in tip-top condition, they aren’t gripping tightly. 

, meaning you’ll hose through fuel quicker than you usually would, so keep them topped up according to your user manual guide. And don’t forget that the pressure can be different for the back and the front tyres. 

If you need to change a tyre, align the wheels professionally to help reduce the wear on your new tyres, as this will help improve your steering and how the car handles. 

If you never clean your car, maybe this might persuade you to get out the soap and sponge.

You could significantly extend the life of your car simply by 

. That's right. Number 5 on the list of how to prevent car problems is to keep your vehicle clean. 

It's no joke. Dirt, grit and muck can get into the moving parts, accelerating wear and tear and causing corrosion. By giving your car a quick clean once a month, especially during the winter months, will remove the road salt, which can be incredibly corrosive. 

UK motorists have collectively spent over £18bn on car repairs in the last year

11 Common Car Repairs Drivers Need To Know

How high are auto maintenance and repair costs in the UK?

Car Repair Loans: Everything You Need To Know

What is high mileage for a car?

How to prevent unexpected car problems

What Can Fail An MOT & What To Do Next

Will a car dealer let me finance car repairs?