An MOT test doesn’t just assess the roadworthiness of your vehicle; it can also be an unexpected source of expenses if you’re not prepared.
With guidance from seasoned mechanic Dom Shaw from First Vehicle Leasing, we’ve put together 5 crucial checks you can perform before your MOT test. These tips are designed not only to increase the likelihood of passing but also to save you money by avoiding common and often costly pitfalls.
1. DIY Light and Indicator Checks
Start with a simple but effective check of all your vehicle’s lights and indicators. This is one of the easiest DIY fixes that can prevent an MOT failure. Replacing a bulb is significantly cheaper than failing and retaking the MOT, or worse, being charged an inflated price for a bulb replacement at the garage.
2. Tyre Condition and Tread Depth
Tyres are a major focus in an MOT. Check the tread depth to ensure it meets the 1.6mm legal minimum. Additionally, look for any damage or wear. Knowing the condition of your tires can prevent a garage from convincing you to buy new ones prematurely, saving you a significant amount of money.
3. Brake Performance Self-Check
Listen to your brakes; any unusual noise can indicate wear. Replacing brake pads or discs before your MOT can be more cost-effective than dealing with it as part of a failure. Plus, it gives you the opportunity to shop around for the best deal on parts and service, rather than being at the mercy of the MOT testing garage’s pricing.
4. Windscreen and Wiper Inspection
Ensure your windscreen is free of significant damage, and that your wipers are functioning well. Replacing wiper blades yourself is generally cheaper than having them replaced during an MOT test. Also, a windscreen clean and clear of damage will not only help pass the MOT but also prevent costly windscreen replacements.
5. Emissions and Exhaust System Check
A pre-MOT emissions check, particularly for older cars, can save you from failing due to high emissions. Addressing issues with your exhaust system beforehand can be more economical than having the work done during or after an MOT, where urgent repair costs can escalate.
Dom Shaw from First Vehicle Leasing says: An MOT test can be an opportunity to ensure your vehicle is in top condition, but it shouldn’t become a source of unexpected expenses.
“By performing these pre-MOT checks, you can identify and address issues more economically, and enter your MOT test with confidence.”
162,087 new Volkswagen cars registered in the UK in 2023
8.52-per-cent market share makes Volkswagen the UK’s best-selling new-car brand
Brand preparing to enter additional market segments with new models in 2024
Volkswagen is the UK’s best-selling new-car brand for the third year running, as confirmed by figures released today by the Society of Motor Manufacturers and Traders (SMMT).
A total of 162,087 new Volkswagen passenger vehicles were registered in the UK in 2023 – over 30,000 more than in 2022. This equated to a leading market share of 8.52 per cent – an increase of 0.35 per cent compared with the previous year.
Volkswagen was again one of the most popular electric brands in the UK, with two of its ID. models among the top-10 best-selling EVs in 2023: the ID.3 with 10,295 registrations (sixth place) and the ID.4 with 8,495 registrations (ninth place).
Model highlights from 2023 that contributed to these impressive results included the revised all-electric ID.3, ID.4 and ID.5 models, as well as the refreshed flagship Touareg. Special- and limited-edition models were also introduced, including the Polo GTI Edition 25 and Golf Black Edition, while the expanded Volkswagen Live Tour continued to take the showroom experience to people’s living rooms, offering real-time online vehicle presentations with product experts.
The brand will bolster its EV offering in 2024 with the introduction of the ID.7 and ID.7 Tourer, while other highlights on the horizon include celebrations to mark the iconic Golf’s 50th anniversary, and the introduction of the new Tiguan and Passat.
Rod McLeod, Director of Volkswagen UK, said: “I am once again pleased that Volkswagen has secured top spot in the UK for new-car sales. This tremendous result speaks volumes for the quality and attractiveness of our cars, and for the fantastic work of our network partners, who continue to give customers outstanding service before, during and after delivering their new cars.
“This year we will continue to expand our award-winning ID. range of electric cars, and of course we have the 50th anniversary of the Golf as well as many more exciting new products to look forward to.”
The Royal Life Saving Society UK (RLSS UK) is issuing safety advice as people take risks as severe floods continue to cause disruption
As Storm Henk continues to affect large parts of the UK and causes ongoing severe weather conditions, there have been an increasing number of incidents reported involving driving through and entering flood water.
The media has also reported incidents of people falling on slippery banks into open water, with these events sadly resulting in the loss of lives; including three male victims named in North Yorkshire and one woman in Scotland.
With the increase in number of weather-related accidents, there have also been hundreds of rescues as emergency services have been enlisted to help navigate the stormy conditions.
And with harsh weather set to continue and more serious flood warnings expected, safety around floodwater could mean the difference between life and death.
Due to the hazardous weather conditions, RLSS UK is urging people to use its water safety advice in a flood:
RLSS UK’s quick advice tips for staying safe during times of flooding:
Never try to walk or drive through floodwater – six inches of fast flowing water can knock an adult over and two feet of water will float a car.
Never try to swim through fast flowing water or flood water – you may get swept away or be struck or caught up in an object in the water. If stuck, call 999 and wait for help.
If you see someone in trouble in the water – do not go in yourself to attempt to rescue them – shout for help, call 999, and find a nearby rescue device such as a life buoy. If there is no water rescue equipment nearby – try and find something that floats and throw it to them if possible.
Get to the highest level if trapped in a building – only get on the roof if necessary and signal for help. Do not climb into a closed attic to avoid getting trapped by rising floodwater.
Keep an eye on weather reports for flooding in your area. Do not travel in heavy rainstorms unless necessary.
Once flood water has rescinded stay well clear of the water’s edge as it is likely to be extremely slippery and prone to erosion in places.
With New Year celebrations taking place over the next few days and many travelling across the country for festivities it’s important drivers feel prepared for their journey.
Richard Evans, head of technical services at webuyanycar comments: “As the year draws to a close, many may be driving to celebrate the new year with friends and family across the country.
“The roads are likely to be very busy and many will be doing all they can to make sure they arrive safely to their festivities. Our research shows that 38% of drivers travel by car during bank holidays, and with the new year the last one of the year many are likely to be getting ready to celebrate.
“For those that have plans to travel throughout the holidays, there are some important things to stay aware of to make the journey as easy as possible.
“Forward planning can help drivers to avoid congested roads or peak travel times, which can in turn help with reducing their fuel consumption.
“Drivers should also check their tyre pressure and oil levels to avoid any unnecessary stops or breakdowns along their way.
“It’s important to stay mindful of driving by taking breaks when needed and making sure to be well rested. Our tips for travelling will ensure drivers are ready to get around to New Year celebrations safely.”
Redirected HS2 funding to resurface more than 5,000 miles of road across England
driving to become smoother, safer and easier with £8.3 billion of redirected HS2 funding, enough to resurface over 5,000 miles of road
long-term plan to mend roads across the country, saving motorists up to £440 on vehicle repairs
biggest-ever uplift in funding for local road improvements thanks to funding from government’s £36 billion Network North transport plan
Millions of people will enjoy smoother, safer and faster road journeys thanks to the biggest-ever road resurfacing programme to improve local roads.
Today (17 November 2023), Transport Secretary Mark Harper has set out the allocations of an £8.3 billion long-term plan, enough to resurface over 5,000 miles of road across the country over the next 11 years. It’s one of the key cornerstones of Network North to improve journeys for all.
Across England, local highway authorities will receive £150 million this financial year, followed by a further £150 million for 2024/2025, with the rest of the funding allocated through to 2034.
Each local authority can use its share of the £8.3 billion to identify what local roads are in most need of repair and deliver immediate improvements for communities and residents. This is divided as:
£3.3 billion for local authorities in the North West, North East and Yorkshire and the Humber
£2.2 billion for local authorities in the West Midlands and East Midlands
£2.8 billion for local authorities in the East of England, South East, South West and, for the first time in 8 years, London
The UK Government has already confirmed £5.5 billion up until 2024/25, for England outside London, which includes the £200 million announced by the Chancellor at the Budget in March. Today’s £8.3 billion nationwide boost comes on top of that and extends until 2034, providing long-term certainty to local authorities and helping to prevent potholes from coming back in the future.
The funding also comes on top of the local transport, road and rail budgets allocated at the last Spending Review and in addition to what local authorities were already expecting for the next decade.
Prime Minister, Rishi Sunak, said: “For too long politicians have shied away from taking the right long-term decisions to make life easier for hardworking families – tackling the scourge of potholes being a prime example.
“Well-maintained road surfaces could save drivers up to £440 each in expensive vehicle repairs, helping motorists keep more of the cash in their pocket.
“This unprecedented £8.3 billion investment will pave the road for better and safer journeys for millions of people across the country and put an end to the blight of nuisance potholes.”
Transport Secretary, Mark Harper, said: “Most people travel by road and potholes can cause misery for motorists, from expensive vehicle repairs to bumpy, slow and dangerous journeys. Our £8.3 billion boost to repair roads across the country shows that we’re on the side of drivers.
“Today’s biggest-ever funding uplift for local road improvements is a victory for all road users, who will enjoy smoother, faster and safer trips – as we use redirected HS2 funding to make the right long-term decisions for a brighter future.”
According to the RAC, smoother, well-maintained road surfaces could save drivers up to £440 each in expensive vehicle repairs from pothole damage, helping motorists keep more of the cash in their pocket.
This £8.3 billion boost is particularly important when considering that, according to a survey from the AA, fixing potholes and investing in roads maintenance is a priority for 96% of drivers. These funds can also help boost road safety and encourage active travel, as smoother road surfaces will make it safer and easier for cyclists to use roads with greater confidence.
RAC head of policy, Simon Williams, said: “Drivers’ biggest bugbear of all is the poor condition of local roads, so the fact the government has found a significant additional pot of revenue should give councils the certainty of funding they need to plan proper long-term road maintenance, something we have been calling for many years.
“We hope local authorities will use the money in the most effective way possible by resurfacing the very worst roads, keeping those in reasonable condition in better states for longer through surface dressing and filling potholes as permanently as possible wherever necessary.
“This should in time go a considerable way to bringing our roads back to a fit-for-purpose state and saving drivers hundreds of pounds in the process from not having to fork out for frustrating repairs to their vehicles.”
To increase transparency and ensure the £8.3 billion leads to an increase in the number of roads being resurfaced, local authorities will be required to publish information on their websites on a regular basis explaining how they are spending the funding in their area.
The measure is a key part of the UK Government’s Network North plan, with money redirected from HS2 instead going to improve the daily transport connections that matter most to people.
It builds on tough regulations announced in April this year to crack down on utility companies causing pothole pain with botched streetworks, through stricter inspections and costs for the worst offenders – backed by further measures in our Plan for drivers announced just last month.
These include £70 million to keep traffic flowing, updating 20mph zone guidance for England to help prevent inappropriate blanket use and measures to speed up the rollout of electric vehicle charging.
Edmund King OBE, AA president, said: “Perilous roads blighted by potholes are the number one concern for drivers and a major issue for bikers, cyclists and pedestrians.
“So far this year, the AA has attended more than 450,000 pothole-related breakdowns. The damage caused can be a huge financial burden for drivers but is also a major safety risk for those on 2 wheels.
“The £8.3 billion plan can make a considerable difference in bringing our roads back to the standards, which road users expect, especially if councils use the cash efficiently to resurface our streets. As well as safer roads, eliminating potholes gives confidence to people wanting to cycle and instils pride of place within local communities.”
Network North will see £36 billion invested in hundreds of transport projects and initiatives across the country, and includes the extension of the £2 bus fare cap in England to the end of December 2024, as well as over £1 billion to improve bus journeys in the North and the Midlands.
Rick Green, Chair of the Asphalt Industry Alliance, said: “This additional funding is good news for local authorities in England and is much needed to help them tackle the backlog of repairs.
“We have long been calling for surety of funding over the long-term and the fact that the DfT has committed to this money being available over the next 11 years should allow highways teams to implement more efficient works to improve local road conditions and enhance the resilience of the network once they have details of their allocation.
“This long-term investment will also help give the asphalt supply chain confidence to further invest in plant upgrades, materials innovation and technical advancements to support the development and delivery of lower carbon roads in line with the government’s net zero ambitions.”
Motor expert, Louise Thomas at Confused.com car insurance comments: “With temperatures dropping and rainfall at extreme highs at the moment, it’s likely that we’ll see more potholes appearing on UK roads. Potholes can be dangerous for road users, and can also cause unwanted damage to cars, leading to repair costs.
“While the prime ministers announcement could benefit millions of drivers, these changes won’t happen overnight. Our research reveals that for those who have had to pay for car repairs due to potholes, the average cost of repair was £174. And with the cost of living continuing to remain high this winter, added costs like this can be a continuous challenge and annoyance for many.
“Drivers can make a claim to help reduce how much they have to pay out for their repairs. And there are some easy steps to make a claim. They include:
1. Check for damage and gather evidence with clear photos or videos
2. Report the pothole to the local council
3. Ask a mechanic to confirm the damage and get a quote for the repair
4. Submit the claim to your insurer
“The new funding should mean less drivers will be affected by pothole damage over time. But if a claim does need to be made, our tips on how to make a pothole claim can help drivers through this process. That’s the case even if the claim is rejected.”
Motorists have been warned about a potentially dangerous eye condition that distorts vision and adversely affects night-time driving.
Motoring experts at LeaseCar say thousands of Brits could unknowingly have an eye condition which causes difficulties with vision at night posing a safety risk on the roads.
t is thought that as much as 40% of the adult population could be affected by Astigmatism, which occurs when either the eye’s cornea or the lens behind the cornea isn’t as round as it should be.
Astigmatism is an eye disorder which causes blurry or distorted vision, both close up and at a distance.
Research suggests the condition could be on the rise as overuse of electronic devices can both bring it on and make it worse.
Those who suffer from the condition commonly have a harder time seeing clearly at night because it increases sensitivity to glare and halos around lights, such as headlights or streetlights.
This can affect motorist’s ability to perceive road signs, other vehicles, and potential hazards as well as making it harder for them to detect subtle changes in the road.
The experts are calling on anyone who experiences difficulties with night vision and thinks they could have the condition to head to the opticians.
Not only does failing to address the condition increase the chance of causing an accident on the roads, but it could also lead to hefty fines and penalties for motorists.
If it is determined bad vision is a factor in a driving accident, motorists will be fined £1,000 and have three points on their licence if they had not notified the DVLA of their condition prior to the accident.
In more serious cases, failure to notify about vision loss or sight issues could even result in a driving ban.
Those with the condition may require glasses or contact lenses to correct it, but in more extreme cases doctors could need to use surgery to treat astigmatis.
The DVLA says motorists must wear glasses or contact lenses every time they drive if they need them to meet the ‘standards of vision for driving’.
Tim Alcock from LeaseCar.uk said: “It is extremely important that any motorists who think that they could have an eye condition get to the opticians and seek treatment.
“Common symptoms of Astigmatism include trouble seeing at night, blurry, hazy and double vision, as well as needing to squint to see clearly.
“With an estimated 40% of the adult population suffering from the condition, anyone with the symptoms should avoid driving until they have been checked out.
“It is very dangerous to drive with any condition which impairs vision as it puts the motorist and other road users at risk.
“The condition is particularly dangerous for drivers as the days get darker because it increases sensitivity to glare and halos around lights which affects being able to see the roads and potential obstacles.
“It is also important that the DVLA is made aware of any condition that affects the ability to drive safely because if a motorist is involved in an accident and it is found that the condition was a contributing factor, they could be prosecuted and their insurance invalidated.”
Contractors will start installing signage around the LEZ city centre boundary from October to help drivers plan their journeys in advance of enforcement beginning on 1 June 2024.
Automatic Number Plate Recognition (ANPR) cameras, which support enforcement, will be installed in late 2023/early 2024 and a mobile enforcement vehicle will be active from June 2024 onwards.
In early 2024 there will also be changes made to some street layouts and signals around the LEZ boundary to cut congestion and improve safety for everyone.
Independent market research carried out in June indicates that a majority of drivers in Edinburgh continue to support the LEZ and think protecting public health is important. Awareness and understanding of the LEZ has improved since 2022, highlighting the success of the local and national communications campaigns.
Councillor Scott Arthur, Transport and Environment Convener, said: “It may seem some way off, but we are beginning to approach the start of enforcement of the LEZ, and we want to make sure drivers are prepared.
“Air pollution harms both our physical and mental health, so by restricting the most polluting vehicles in the LEZ we will create a healthier place for everyone, reducing inequalities and making the city centre a more welcoming place.
“I’m pleased that compliance with our emissions standards continues to increase, driven by the upcoming LEZ restrictions and support funds, and that support remains high. Lothian Buses are now LEZ ready, and the Council fleet will be soon.
“There’s still work to be done though to ensure everyone else who enters the zone is compliant. As we begin preparations for enforcement, I would encourage all drivers to check if their vehicle is compliant through the online vehicle checker tool, and find out more about the support funds available.”
A city centre LEZ was introduced in Edinburgh on 31 May 2022, along with LEZs in Glasgow, Aberdeen and Dundee, restricting the most polluting vehicles and benefiting everyone’s health. In Edinburgh, a two-year grace period is in place, meaning no penalty charges will be issued during this time.
Compliance is particularly high amongst the local buses (97%), with Lothian Buses being 100% compliant. Petrol cars (95%) and lorries (86%) also have high compliance rates yet diesel cars are only 50% complaint.
Restricting the most polluting vehicles will significantly reduce harmful emissions of nitrogen oxides (NOx) from vehicles by up to 50% within the LEZ. Further air quality improvements are expected beyond the boundary, improving public health around the city.
LEZ restrictions will apply to motor vehicles, except motorcycles and mopeds. Vehicles must meet the minimum emissions standards to drive within the zone, though national exemptions apply including for blue badge holders and emergency vehicles.
Edinburgh’s LEZ will issue penalty notice charges, or fines, in line with Scottish regulations, from 1 June 2023. Penalties start at £60, for non-compliant vehicles driving within the Zone though this is reduced by 50% to £30 if paid within 14 days.
Penalties escalate and surcharges will be issued if drivers repeatedly enter the LEZ within a 90 day period. These surcharges are capped at £480 for cars and vans, and £960 for buses and lorries.
Following news fuel prices are expected to rise once again, motorists have been told to avoid common costly mistakes when heading to the pumps.
Motor insurance comparison experts at Quotezone.co.uk have revealed eight errors which could be contributing to over consumption of fuel and have costly consequences for drivers.
Credit: Pexels
This comes after it was revealed around 150,000 Brits put the wrong fuel in their car every year.*
Misfuelling is one of the most expensive mistakes motorists make. Pumping petrol fuel into a diesel engined car can lead to engine failure, leaving motorists to pick up the repair costs.
Rule 97 of the Highway Code states before drivers set off, they should ensure they have ‘sufficient fuel or charge for your journey, especially if it includes motorway driving’.**
Careless or dangerous driving caused by low fuel will see motorists face fines of up to £100 and three points on their license.
Greg Wilson, CEO and price comparison expert at Quotezone.co.uk, said: “It can be frustrating to feel like you are spending more and more on fuel each time you fill up. With the inconsistency in pricing and news about fuel prices reaching news highs, we wanted to share our fuel saving suggestions to help drivers save as much as possible.
“Small mistakes at the petrol pump can lead to serious costs. Misfuelling is expensive, and more common than you think. However, even simple things like making sure the car is in good working order with tyres topped up and excess weight removed, can help reduce the amount of fuel it consumes.”
Quotezone.co.uk compiled some of the biggest mistakes drivers make when filling up:
1.Misfuelling
Misfuelling and pumping your diesel car with petrol fuel can be a very costly mistake. Although there may not be any noticeable changes to your car initially, as the petrol makes its way to the fuel system you will have serious consequences. Depending on how far thepetrol has circulated through the fuel system and engine, the cost of repairs can vary from a simple drain and flush to some very expensive component replacements.
2.Check your tyres
Low tyre pressure will cause your tyres to drag on the ground and consume more fuel than fully pumped-up tyres.
3.Letting your fuel run on empty
Letting your car run on low fuel isn’t a crime, but any careless or dangerous driving caused by the lack of fuel could see you punished by law. You could face a £100 fine and three points on your licence if you are forced to stop in the road and cause an obstruction to other motorists.
4.Overfilling your tank
While overfilling the tank can be tempting and seem like a way to save additional trips back to the pump, you will actually end up paying more for your fuel. Filling the tank beyond maximum capacity can cause the fuel to overflow and waste money. Overflowing fuel can also fall to the ground which causes a potential fire hazard and you will still be charged for the waste.
5.Filling up during peak hours
Petrol station prices can vary throughout the day, with costs at their highest during peak hours around midday and 5pm. In order to find the lowest prices, head to a petrol station early in the morning or later in the evening.
Only five of the UK’s biggest theme and adventure parks currently offer electric charging facilities but the situation is set to improve in the coming months, according to a new study by the RAC.
Just Thorpe Park in Surrey, Chessington in London, Blackpool Pleasure Beach, Crealy in Devon and M&Ds in Scotland provide EV chargers for visitors, with many other popular and well-loved attractions in other regions currently offering none at all. At the five parks that have some provision, the average number of chargers on offer is four.
The parks that currently don’t offer any charging facilities include such well-known names as Legoland Windsor in Berkshire, Alton Towers in Staffordshire, Gulliver’s sites in Cheshire, Yorkshire and Buckinghamshire and Oakwood in Wales. But the good news is that the first two of these parks have publicly committed to installing chargers before the end of the year.
The RAC study also looked at the nearest ultra-rapid chargers to top theme parks as the next most convenient place to charge on a day out and found they were an average of seven miles away, with each offering an average of only five chargers each. In some parts of the country however, drivers need to travel much further, with the closest ultra-rapid chargers to Pleasurewood Hills in Suffolk and Flamingo Land in North Yorkshire being some 25 miles away.
RAC Charge Watch data shows that drivers currently pay on average 73p per kWh of electricity at an ultra-rapid (100kW+) charger, making an 80% charge of a family-sized EV currently cost £37.39. If public chargers were only subject to 5% VAT like home chargers, that cost would be around £4 cheaper.
Comparisons with major theme parks elsewhere in Europe show just how different the situation can be when it comes to on-site electric vehicle charging. Efteling in the Netherlands has capacity for 174 electric cars to charge at once, while PortAventura in Spain can accommodate 150 cars charging and Europa Park in Germany offers 32 chargers.
It’s far from a perfect picture everywhere however, with Disneyland Paris and Gardaland in Italy having just four chargers each.
RAC spokesman Rod Dennis said: “Even though most people visiting adventure and theme parks in electric cars will be starting out fully charged from home, many will still need to charge on the way back depending on the length of their journey and their vehicle’s range.
“For those travelling considerable distances to reach them it surely makes sense to have some chargers at theme parks as cars will be parked for long periods, making slower chargers ideal.
“It’s a little disappointing therefore to find some big-name attractions aren’t yet providing any charging facilities, but the situation is thankfully changing with several having stated they’re looking into installing chargers in the near future. We look forward to these plans becoming a reality to make drivers’ lives easier.
“As things stand, families with electric cars who need to recharge after enjoying a day out will no doubt be relying on ultra-rapid chargers to get on the move again as quickly as possible.
“Our research shows drivers will have to travel only an average of seven miles from a theme park to reach one of these, although in some parts of the country the distance is considerably further. Fortunately, with every month that passes provision is improving and in fact over the last 12 months the number of ultra-rapid chargers in the UK has nearly doubled to 8,772.
“Some leading theme parks in other parts of Europe are currently putting the UK in the shade when it comes to more extensive electric charging infrastructure. As they’ve decided it’s right to put chargers for their visitors in place, we now need all major theme park operators in the UK to come to the same conclusion.”
Quentin Willson, automotive journalist and founder of theEV campaign FairCharge, added: “Theme parks are an obvious example of how we need to make sure the UK’s future charging infrastructure really is joined up.
“Parks, attractions, museums, holiday centres, hotels and leisure facilities need to have plenty of chargers for visitors in EVs. Drivers will base their leisure choice destinations – as many already do – on if there are reliable charging facilities. This is the future.”
In a bid to stimulate the take-up of electric vehicles and make public charging more cost-effective, the RAC is supporting the FairCharge campaign’s call to get VAT on public electricity reduced from 20% to match the 5% domestic rate.
Millions could be paying more than they think for their car insurance
Customers paying extra to pay by direct debit and for set up fees, adjustment fees, cancellation fees and even renewal fees
NFU Mutual, which does not charge any extra fees, analysed data from Defaqto and found only 9 of 321 products – 3% – don’t charge any extra fees
Data from 321 insurance products shows that millions of people in the UK could be paying extra fees for their car insurance.
NFU Mutual, which does not charge any extra fees, analysed data from Defaqto and found that only 9 of 321 products – just 3% – do not charge any extra fees to customers.
Data table
Number of products – 321
Number of products charging a fee of some kind – 312 (97%)
Charge
Number of products charging
Percentage of products charging
Highest fee
Average fee
Direct debit
306
95%
n/a
n/a
Set-up fee
146
45%
£350
£58
Adjustment fee
239
74%
£175
£39
Cancellation fee
289
90%
£400
£57
Cooling-off cancellation fee
165
51%
£400
£42
Renewal fee
133
41%
£100
£47
Telematics disconnect and removal fee
14 (out of 62 products)
23%
£100
£68
Telematics documentation fee
2 (out of 62 products)
3%
£60
£60
Telematics missed appointment fee
14 (out of 62 products)
23%
£60
£51
The most common fees charged are direct debit fees, with 95% of products charging customers more to spread payments throughout the year, and cancellation fees, which are present in 90% of products.
The average cancellation fee is £57, with the highest charge a massive £400, which includes a broker fee and a charge for installing the related telematics device.
Adjustment fees are also charged in over three quarters of car insurance products, reducing the ability of consumers to make changes to their insurance without incurring costs. The highest adjustment fee was £175, which includes a broker fee and a charge for installing a new telematics device, with the average fee coming in at £39.
Well over 40% of products charged set-up and renewal fees, effectively penalising customers for setting up insurance. From products which charge the fees, the average set-up cost is £58 and the average renewal fee is £47.
Many insurance providers – 51% of products analysed – also charge customers for cancelling during the 14-day cooling-off period. This cooling-off period is a legal requirement during which a customer can cancel their policy for any reason. However, over half of insurance products charge customers to do this, at an average of £41 and reaching £400 at the higher end, with this covering cancellation, a broker fee and the cost of installing the related telematics device.
With so many car insurance products charging for common things, with the average fees representing not-insignificant amounts, customers could find themselves on the hook for substantial costs on top of their insurance premiums.
Wendy Yeomans, car insurance expert at NFU Mutual, said:“With the cost of living crisis hitting all our pockets, it’s more important than ever to keep on top of our budgets.
“Many households have cancelled media subscriptions or altered their buying habits to keep spending under control, but many will not be aware they are paying the equivalent of this in extra fees for their car insurance.
“Extra fees like this, which many consumers aren’t aware of, make budgeting more difficult and effectively mean the prices many pay for their car insurance creep up beyond what they expected.
“That is why, at NFU Mutual, we are proud to say we don’t charge any extra fees at all, nor do we penalise customers for paying in the way that suits them best – whether this is a monthly direct debit, lump sum or by cheque.”
