cars-grimsby

What Affects the Part-Exchange Value of Your Car?

Fri, 23 Oct 2026 13:12:37 GMT

If you are thinking about changing your car, knowing what your current vehicle might be worth in part exchange can help you understand how much you may need to put towards your next one.

However, two apparently similar cars will not necessarily receive the same valuation. Age and mileage are important factors, but a dealer will also consider the vehicle’s overall condition and how well it has been maintained. Current demand for the make and model can also influence the valuation.

The vehicle’s specification can influence its value, as some versions may be more desirable to buyers than others. Previous repairs or known mechanical issues may also affect the valuation, depending on the work required to prepare the vehicle for resale.

Part-exchange values also change over time as the used car market changes, so a figure provided several months ago is unlikely to reflect what the same vehicle is worth today.

Understanding the main factors that affect a valuation can help you set realistic expectations and make a more informed comparison when you are considering your next car.

How Is a Part-Exchange Value Calculated?

A dealer will usually begin by considering the make, model, age and mileage of your vehicle, along with the specification. These details provide a good starting point based on what similar cars are currently worth within the used market.

The vehicle then needs to be assessed because no guide valuation can account perfectly for every car. Its exterior condition, interior wear and tyre condition can all influence what may need to be spent before it can be offered for sale.

Service history and supporting documentation also help build a picture of how the vehicle has been maintained, while current market demand gives an indication of how easily a dealer may be able to sell it.

The final part-exchange value is therefore based on the individual vehicle and the market at the time it is assessed rather than being determined by one figure such as age or mileage.

How Much Does Your Car’s Age Affect Its Part-Exchange Value?

Age has an important influence because most cars lose value as they get older, although depreciation does not happen at exactly the same rate for every make and model.

Some vehicles remain desirable for longer, while others may reduce in value more quickly as newer versions arrive or buyer preferences change. The condition of the vehicle and how well it has been maintained can also affect how its age is viewed.

Age should therefore be considered alongside mileage. A relatively new car that has covered unusually high mileage may be valued differently from another example of the same age with significantly fewer miles, while an older car that has been well maintained can still retain a reasonable amount of value.

Being older does not automatically make a vehicle difficult to part exchange, as there may still be demand for that type of car and its condition remains good for its age.

How Does Mileage Affect a Part-Exchange Valuation?

Mileage is another important factor because it helps indicate how much use the vehicle has experienced, but it needs to be considered in relation to the age of the car.

For example, 60,000 miles may be considered relatively high on a much newer vehicle but entirely normal on one that is several years older. A dealer will therefore consider the mileage against the age and overall condition rather than relying on the odometer reading alone.

Service history becomes important as mileage increases because it helps demonstrate whether routine maintenance has been completed consistently.

A higher-mileage vehicle with full service history and good overall condition can still be appealing within the used market, especially if the mileage appears appropriate for its age.

Our article explaining why two similar used cars can have very different prices looks in more detail at why mileage should be considered alongside condition, history and preparation.

How Much Difference Does the Condition of Your Car Make?

Condition can have a considerable influence on a part-exchange valuation because the dealer needs to consider what preparation may be required before the vehicle can be offered for sale.

Some signs of wear are expected on any used car, with older vehicles generally showing more evidence of everyday use. However, larger dents or scratches can increase preparation costs. Damaged alloy wheels or excessive wear to the interior may also need remedial work before the vehicle is ready to be advertised.

Tyre condition will normally be considered too, as a car with tyres approaching the legal limit will likely require replacements. Mechanical condition is equally important because known faults, warning lights or unusual noises may indicate that additional work is needed.

A well-presented vehicle that has been well maintained may therefore receive a stronger valuation than a similar car requiring significant cosmetic or mechanical preparation.

Our used car inspection checklist explains many of the condition areas buyers should look at when assessing a used vehicle, and several of the same factors can influence how a dealer assesses a car taken in part exchange.

Does Accident Damage Affect Part-Exchange Value?

Previous accident damage can influence a valuation, although the effect will depend on the nature of the damage and how well any repairs have been completed.

A vehicle that has previously been recorded as an insurance write-off will usually be valued differently from an equivalent car without that history. The category and circumstances of the damage may also be taken into consideration.

Previous repairs that did not result in an insurance write-off can still affect the valuation if the work has not been completed to a good standard or further attention is required.

This is one area where CARS of Grimsby brings additional experience. With decades of accident repair and bodyshop knowledge, the team can assess areas such as paint finish and panel alignment when inspecting vehicles.

That experience helps the team consider the physical condition of the vehicle alongside its recorded history rather than relying solely on database information.

Does Service History Increase Your Car’s Part-Exchange Value?

A comprehensive service history can support a vehicle’s value because it provides evidence that routine maintenance has been carried out throughout its life.

The absence of a complete record does not automatically mean the car will receive a poor valuation, but substantial gaps may make it harder to understand how consistently the vehicle has been maintained.

If your car has digital service records, it is useful to know how these can be accessed. Invoices for servicing or significant repair work may also provide additional information and help demonstrate that important maintenance has been carried out.

Having this information available when the vehicle is assessed helps the dealer build a more complete picture of its history and current condition.

Does the MOT History Affect Part-Exchange Value?

The MOT history can provide additional information because it shows previous test results, recorded mileage and any advisory items that have been noted over time.

Repeated advisories can sometimes indicate areas that may need attention if the work has not subsequently been completed, while the mileage recorded at each test can help confirm how the vehicle has been used.

The expiry date of the MOT should not be viewed in isolation. The wider history may provide more useful information about how the vehicle has been maintained over several years.

An MOT is still a test against specific requirements at a set point in time rather than a complete mechanical assessment, so it forms only one part of the valuation process. GOV.UK allows you to check a vehicle’s MOT history , including previous results, recorded mileage and advisory or failure items.

Does Specification Affect How Much Your Car Is Worth?

Specification can influence value, especially where certain versions of a model are more desirable within the used market.

Engine choice and transmission may affect demand, while trim level and factory-fitted equipment can also make one vehicle more appealing than another.

However, optional extras do not necessarily retain anything close to their original purchase price. Equipment that cost a significant amount when the car was new may make only a modest difference to its value several years later.

The effect of specification also varies between different models, so the dealer will normally consider the individual version in relation to similar vehicles currently available.

Does the Number of Previous Owners Matter?

The number of previous owners can influence how some buyers view a used car and may therefore have an effect on its part-exchange value.

A vehicle with fewer keepers and a good service history may appear more attractive than a similar example that has changed hands frequently, although the number of owners does not tell you how well the car has been looked after.

A vehicle with several previous keepers can still have been maintained carefully throughout its life, while a one-owner car may have experienced heavy use or less consistent maintenance.

Previous ownership is therefore considered alongside the vehicle’s age, mileage and service history rather than being treated as a measure of quality on its own.

Does Market Demand Affect Your Car’s Value?

The level of demand for a certain make, model or type of vehicle can have a noticeable effect on its part-exchange value.

If a certain car is attracting strong buyer interest, a dealer may expect it to sell relatively quickly and this can support its value. Where there is less demand or a large number of similar vehicles already available, the valuation may be lower.

Buyer preferences also change over time, which means a model that was desirable a few years ago may not attract the same level of interest today.

This is one reason part-exchange values are not fixed and why an older valuation should not be used as an indication of what the vehicle is worth now.

Why Is the Part-Exchange Value Lower Than the Advertised Price of Similar Cars?

This is one of the most common questions when people compare a part-exchange offer with similar vehicles advertised online.

If comparable cars are being advertised for £15,000, this does not mean a dealer can pay £15,000 for yours. The advertised figure is usually the retail asking price after the vehicle has been acquired and prepared for sale.

Before it can be offered to another customer, the dealer may need to complete servicing or repair work. Tyres or cosmetic preparation may also be required, while there are further costs involved with advertising and selling the vehicle.

The dealer also needs to allow a margin between the amount paid for the car and its eventual selling price.

A retail asking price and a part-exchange value therefore represent different stages of the vehicle’s journey through the used car market, so they should not be compared as though they are the same figure. This is closely related to the factors discussed in our guide to why similar used cars can have different prices .

Can You Improve Your Car’s Part-Exchange Value Before a Valuation?

Presenting the vehicle well can make it easier for a dealer to assess its true condition, although spending a large amount of money before requesting a valuation may not always provide a worthwhile return.

Cleaning the exterior and interior can help show the car at its best, while gathering the service records and any invoices means important information is readily available. Having both keys, where supplied, is also beneficial.

If there is a minor fault or known issue, it is better to be open about it because the dealer will normally inspect the vehicle during the valuation process.

Small cosmetic improvements may sometimes be worthwhile, but significant repair work should be considered carefully because the amount spent may be greater than any increase in the eventual part-exchange figure.

Does Outstanding Finance Reduce Your Car’s Value?

Outstanding finance does not necessarily change the underlying market value of the vehicle, but it does affect how much equity you have available towards your next car.

If the settlement figure is lower than the part-exchange value, the difference can normally contribute towards your next vehicle. Where the settlement amount is higher than the vehicle’s value, you have negative equity and the outstanding balance will need to be dealt with as part of the transaction.

If your car is currently financed, obtaining an up-to-date settlement figure before changing vehicles will help you understand your position more accurately.

MoneyHelper recommends asking your finance provider for a settlement figure if you are considering ending a PCP or HP agreement early. It also explains that a vehicle subject to this type of finance cannot normally be sold until the relevant finance has been settled. Read MoneyHelper’s guidance on ending car finance early .

What Else Should You Check Before Changing Your Car?

If you are using your current vehicle as part exchange towards another used car, it is worth thinking about the overall cost of changing rather than concentrating solely on the valuation you receive.

The price of the replacement vehicle, any finance arrangement and expected running costs all contribute to the amount you will ultimately spend.

Our guide to how much you should spend on a used car explains how to consider the purchase price alongside ongoing costs such as insurance, tax and maintenance.

If you are comparing used vehicles, GOV.UK also recommends checking that the details provided by the seller match DVLA records and reviewing the vehicle’s MOT history before buying. Read the official GOV.UK guidance on checking a used vehicle .

Frequently Asked Questions About Part-Exchange Values

Find Out What Your Car Could Be Worth

Your car’s part-exchange value depends on the individual vehicle and the market at the time it is assessed. Age and mileage provide an initial indication, while condition, maintenance history and demand help determine the final figure.

At Select Vehicle Sales by CARS of Grimsby , we provide free, no-obligation vehicle valuations for customers considering selling or part exchanging a car or van.

Our accident repair experience also gives the team an informed understanding of vehicle condition when carrying out an assessment, helping us consider the individual car rather than relying solely on a guide price.

If you are thinking about changing your vehicle, you can also view our current used cars and vans to see what is currently available.

Best Used Cars Under £10,000: What Should You Consider?

Tue, 20 Oct 2026 10:45:02 GMT

A budget of up to £10,000 gives used car buyers a wide range of options, from compact hatchbacks and family cars to crossovers and some SUVs.

Having plenty of choice gives you the opportunity to find a used car that suits your needs and budget. However, even cars advertised at the same price can vary considerably, so it is worth considering more than just the asking price to understand what each vehicle offers and how much it could cost to run.

The best used car under £10,000 will therefore depend on what you need from it. Someone making short journeys around Grimsby and Cleethorpes may have different priorities from a driver covering longer distances every week, while a family may place more importance on passenger space or boot capacity.

Before deciding which makes and models to consider, think about what is most important to you in a car and how you can make the most of your £10,000 budget.

What Kind of Used Car Can You Buy for £10,000?

The £10,000 price point covers several sections of the used car market, although the age and mileage you can expect will vary considerably depending on the type of vehicle.

Buyers looking for a smaller hatchback may come across models such as the Ford Fiesta, Vauxhall Corsa, Renault Clio or Volkswagen Polo. Moving into larger hatchbacks could bring cars such as the Volkswagen Golf or Vauxhall Insignia into consideration.

There are also compact SUVs and crossovers to consider, with models such as the Ford Puma, Nissan Qashqai or Vauxhall Crossland appearing within this general area of the used market depending on their age, mileage and specification.

Premium brands can also fall within budget, often where the vehicle is slightly older or has covered more miles. The important point is that a £10,000 budget can buy very different types of car and there is more to assessing value than simply comparing age and mileage.

Should You Spend the Full £10,000?

A maximum budget should not automatically become your target purchase price.

If £10,000 represents the total amount you have available, leaving some money aside can provide room for insurance and vehicle tax. You should also consider future servicing and normal wear-related maintenance.

A car priced at £8,995 that comfortably meets your requirements could therefore be a better purchase than stretching to £10,000 simply because that amount is available.

Our guide explaining how much you should spend on a used car looks at the wider cost of ownership in more detail.

What Small Cars Can You Buy for Under £10,000?

A smaller car can be a good option if most of your journeys involve driving around town, especially if ease of parking and affordable running costs are important to you.

Models such as the Ford Fiesta, Vauxhall Corsa, Renault Clio and Volkswagen Polo are all popular choices within this section of the used car market. A £10,000 budget may allow you to choose between a newer example of a more affordable brand or an older version with a higher specification.

Size still needs to reflect the way you use the car. A compact hatchback may suit one or two people very well but could feel restrictive if you regularly carry adults in the rear or need more luggage space.

It is therefore better to start with your requirements and then compare suitable models, rather than choosing a car simply because it is newer or appears to offer better specification for the money.

What Family Cars Should You Consider Under £10,000?

Family buyers often need more passenger space, but that does not automatically mean choosing an SUV.

A larger hatchback such as the Volkswagen Golf or Vauxhall Insignia can offer generous interior space while sometimes costing less to buy than a similarly aged SUV. Models such as the MINI Clubman can also appeal to buyers looking for a combination of versatility and distinctive styling.

Before deciding, check the rear-seat space with the front seats adjusted to your normal driving position. If you regularly carry children, it is also worth considering access for child seats and whether the boot has enough room for everything you typically need to carry.

A larger body style may provide more flexibility, but there can be a trade-off in running costs. Insurance, tyre sizes and fuel economy may all differ from a smaller car, even where the purchase price is similar.

Can You Buy a Good Used SUV for Under £10,000?

Yes, although the age and mileage of individual vehicles can vary significantly.

Compact SUVs and crossovers such as the Ford Puma, Nissan Qashqai and Vauxhall Crossland are all examples of the type of vehicle buyers may consider within this general price range.

Larger or more premium SUVs may also appear around this budget depending on their age, mileage and specification.

An SUV can appeal because of its raised seating position and spacious interior, but it is still worth comparing it against a hatchback or estate. A different body style may offer similar usable space while costing less to insure or run.

Think about what you need from the vehicle before deciding that an SUV is the best use of your budget.

Should You Choose a Mainstream or Premium Model?

The right fuel type depends mainly on the journeys you make.

Petrol cars remain suitable for many drivers who cover relatively modest annual mileage or make frequent shorter trips. Diesel may still be a good option for people regularly travelling longer distances, especially where motorway mileage forms a large part of their driving.

Hybrid and electric vehicles are also becoming increasingly common on the used market, although availability will vary.

However, rather than choosing a fuel type based on general assumptions, think about your annual mileage and typical journeys. A car that suits the way you drive is likely to make more sense than choosing solely on claimed economy or fuel price.

Should You Choose Petrol, Diesel, Hybrid or Electric?

The MOT history provides additional context because it allows you to see previous test results and recorded mileage. For vehicles old enough to require an MOT, you can also review previous failures and advisory items.

This may help you identify patterns that deserve further investigation. If the same type of advisory appears repeatedly, for example, you may want to establish whether the recommended work was subsequently completed.

Mileage readings recorded during previous MOT tests can also help you assess whether the vehicle’s current mileage appears consistent with its history.

However, an MOT remains a test against specific requirements at a set point in time. It should not be regarded as a complete mechanical inspection or evidence that the vehicle has been maintained correctly throughout its life.

Is a Newer Car Always Better Than an Older Higher-Specification Model?

A £10,000 budget may leave you choosing between a newer version of a modestly specified car and an older example of a more expensive model.

There is no universal right answer. The newer vehicle may have covered fewer miles and include more recent safety technology, while the older car may offer additional space or equipment that better suits your needs.

An older vehicle with a comprehensive service history and evidence of careful ownership can represent better value than a newer alternative that has not been maintained consistently.

The condition of each individual vehicle should therefore carry more weight than the registration year.

How Much Should Mileage Be Taking into Consideration?

Mileage affects used car values, but the lowest-mileage vehicle is not automatically the best purchase.

Look at the mileage in context and compare it with the vehicle’s service history. A higher-mileage car that has been maintained consistently may be a better option than a lower-mileage example with gaps in its records.

The MOT history can also help you review how the mileage has progressed over time and whether recurring advisory items have appeared. Mileage should therefore form part of the decision rather than being treated as a measure of quality on its own.

Why Is Service History Important on a £10,000 Used Car?

A £10,000 used car is still a significant purchase, so understanding how it has been maintained is important.

Ask to see the available service history and check when the most recent maintenance was completed. It is also worth understanding what may become due during the first year of ownership.

A cheaper example can quickly become less attractive if it needs servicing or other maintenance soon after purchase. Service history is helpful when comparing two similar vehicles because it provides additional context behind the asking price.

Should You Carry Out a Vehicle History Check?

A vehicle history check should form part of your research because it can identify information that would be difficult to establish during a viewing.

Depending on the type of check used, it may identify outstanding finance or whether the car has been recorded as an insurance write-off. It may also highlight mileage discrepancies.

However, a clear report does not prove that the vehicle has never suffered damage. Repairs paid for privately may not appear on the databases used by history check providers.

Our guide to what a vehicle history check can tell you and what it can miss explains why recorded history should be considered alongside the physical condition of the vehicle.

Why Is the Condition of the Individual Car Important?

Once you have narrowed the search to suitable models, the quality of the individual vehicle becomes more important than where that model appears in a list of recommendations.

Two vehicles can have very different histories despite looking similar in an online advert. One may have been maintained carefully, while another could show signs of poor repair work or neglected maintenance.

CARS of Grimsby has decades of accident repair experience, giving the team valuable knowledge when assessing vehicles considered for Select Vehicle Sales. Previous repair work can sometimes be identified through differences in paint finish or panel alignment even where no corresponding insurance record exists.

Our used car inspection checklist explains the areas worth checking when viewing a vehicle.

What Should Be Included When Buying from a Dealer?

When comparing cars around the £10,000 mark, it is worth checking what is included in the advertised price so you can make a fair comparison between vehicles.

A vehicle that has already been serviced and supplied with a suitable warranty may provide better overall value than a cheaper alternative where those costs will need to be arranged separately.

Select Vehicle Sales by CARS of Grimsby is an RAC Approved Dealer, with vehicles prepared in line with the RAC 82-point Approved Vehicle Preparation Standard.

Every vehicle sold also comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

Warranty upgrades to 12, 24 or 36 months are available, subject to the applicable terms and eligibility.

You can find out more about what RAC Approved Dealer status means for customers .

Frequently Asked Questions About Used Cars Under £10,000

Find the Right Used Car for Your £10,000 Budget

The best used car under £10,000 is the one that suits the way you drive while remaining affordable to own after you have bought it.

Decide how much space you genuinely need and think about which body style works best for your day-to-day use. Once you have narrowed the search, concentrate on the condition and history of the individual vehicles rather than relying solely on age, mileage or badge.

At Select Vehicle Sales by CARS of Grimsby , stock changes regularly and can include a wide range of makes and models. Each vehicle is assessed individually by a team with extensive experience in accident repair and vehicle condition, while RAC Approved status provides a recognised preparation standard.

You can visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby and speak directly with the team. You are also welcome to view and test drive any vehicle that interests you.

View Our Current Used Cars and Vans

If you have a vehicle to sell or part exchange, request a valuation to understand how much it could contribute towards your next car.

What Does a Vehicle History Check Tell You and What Can It Miss?

Wed, 14 Oct 2026 13:46:35 GMT

A vehicle history check is one of the most useful checks you can carry out before buying a used car because it can reveal important information that would be difficult to establish simply by looking at the vehicle.

Depending on the type of check completed, it may identify whether a car has been recorded as stolen or written off by an insurer. A comprehensive check can also identify outstanding finance and discrepancies within the vehicle’s recorded mileage.

However, a vehicle history report does not provide a complete account of everything that has happened to a car throughout its life. Some information will only appear if it has been formally recorded on the databases used by the history check provider, while other aspects of a vehicle’s past need to be assessed through its paperwork and physical condition.

Understanding those limitations allows you to use a vehicle history check for what it does well while continuing to make the other checks that are important when buying a used car.

What Does a Vehicle History Check Usually Tell You?

The exact information provided will depend on the company carrying out the check and the level of report you purchase.

A comprehensive vehicle history check will usually confirm important details about the identity and recorded history of the car. This may include whether it has been recorded as stolen or written off by an insurer, as well as whether outstanding finance is registered against it.

The report may also identify mileage discrepancies or previous registration plate changes. Vehicle details can be compared against official records to help confirm that the make, model and other identifying information are consistent with the vehicle being advertised.

This information can highlight issues that would be very difficult for a buyer to identify during an ordinary viewing, which is why a history check should form part of the research carried out before buying a used vehicle.

Does a Vehicle History Check Show Every Accident?

A common misconception is that a clear history report confirms that a vehicle has never been involved in an accident. The reality is that a history check can only report accident information that has reached the databases it uses.

If an insurance company has categorised a vehicle as a write-off following damage, that information should form part of a comprehensive history report.

However, not every accident results in an insurance claim or the vehicle being written off. An owner may have paid privately for repairs, especially if the damage was relatively minor or they chose not to involve their insurer. In those circumstances, there may be no insurance record for a vehicle history provider to identify. The car could therefore return a clear history check despite having had previous body or accident repairs.

This is why the physical condition of the vehicle remains important alongside the data report.

Why Is CARS of Grimsby’s Accident Repair Experience Important?

Previous repair work can sometimes leave physical evidence even when there is no corresponding entry on a vehicle history report. CARS of Grimsby has decades of accident repair and bodyshop experience, which gives the team valuable knowledge when assessing vehicles considered for Select Vehicle Sales.

Differences in paint finish or panel alignment can indicate that previous work has been carried out. The quality of a repair can then be considered as part of the wider assessment of the vehicle rather than relying solely on whether an insurance marker appears on a database.

Previous repairs do not automatically make a vehicle unsuitable for purchase. A professionally completed repair may have restored the vehicle correctly, while the greater concern is work that has been carried out poorly or has left unresolved issues.

This is where physical assessment and recorded vehicle history work well together. The data can identify formal records associated with the vehicle, while relevant repair experience can help identify signs that need closer examination.

Does a Vehicle History Check Include Service History?

A vehicle history check should not be treated as a substitute for the car’s service records.

Some information associated with servicing or maintenance may be available through certain data providers, but a history check does not necessarily provide a complete account of every service or repair carried out during the vehicle’s life.

You should therefore ask to see the available service history separately. Depending on the age and manufacturer of the vehicle, this may be recorded in a traditional service book or held electronically.

Look at when services have been completed and whether the mileage recorded at each point appears consistent. It can also be useful to establish what maintenance has been completed recently, especially if the car is approaching another scheduled service.

A good service record helps build a more complete picture of how a vehicle has been looked after alongside the information provided by a history check.

Can a Vehicle History Check Identify Outstanding Finance?

A comprehensive vehicle history check can identify finance that has been registered against the vehicle, which is important when buying privately.

Cars bought using certain types of vehicle finance may legally remain the property of the finance company until the agreement has been settled. If the seller attempts to sell the vehicle while qualifying finance remains outstanding, this can create problems for the person who buys it.

A suitable history check can therefore provide information that cannot be established from the physical condition of the vehicle alone. If outstanding finance is identified, establish the position before completing the purchase rather than relying solely on an assurance that it will be settled later.

Will a Vehicle History Check Tell You If a Car Has Been Stolen?

Comprehensive vehicle history checks can compare a car against records of vehicles reported stolen, providing another useful safeguard when buying used.

You should still verify the identity of the physical vehicle when you view it. Check the Vehicle Identification Number against the V5C registration certificate and make sure the details supplied by the seller are consistent with official vehicle records.

The GOV.UK used vehicle buying guidance recommends checking the information provided by the seller against DVLA records before purchase. Buyers are also advised to review the MOT history and examine the V5C. These checks work alongside a vehicle history report rather than replacing it.

What Can the MOT History Tell You?

Mileage readings recorded during previous MOT tests can also help you assess whether the vehicle’s current mileage appears consistent with its history.

Can a History Check Tell You How Well a Car Has Been Looked After?

A history check can provide information about a vehicle’s past, but it cannot tell you everything about the way previous owners have treated it.

Two cars could both return clear history reports while being in noticeably different condition. One may have been serviced consistently and driven carefully, while another may have received less regular maintenance.

The interior and exterior condition can provide additional clues when you inspect the car. Excessive wear that appears inconsistent with the age or recorded mileage should be investigated further, as should warning lights, unusual noises or anything that appears unusual during a test drive.

The best assessment comes from combining the recorded information with the physical condition of the vehicle rather than allowing any individual check to determine the decision.

Should You Still Inspect a Car If the History Check Is Clear?

Yes. A clear vehicle history check is reassuring, but it does not remove the need to inspect the car carefully.

Look at the bodywork in good daylight conditions and consider whether the paint finish appears consistent across the vehicle. Panel alignment should also be checked, especially if anything looks noticeably different from one area to another.

Inside the vehicle, make sure the equipment operates as expected and check that the general condition appears appropriate for its age and mileage. A test drive should then give you an opportunity to assess how the car behaves on the road.

If you do not feel confident assessing a privately sold car yourself, an independent professional inspection may provide additional reassurance.

Are Free Vehicle Checks Enough When Buying a Used Car?

Free services can provide valuable information, particularly when checking the details held by DVLA and reviewing a vehicle’s MOT history.

However, they do not necessarily include the information provided by a comprehensive paid history check, such as outstanding finance information or records showing that a vehicle has been reported stolen or written off.

It is therefore important to understand what the service you are using covers rather than assuming every online vehicle check searches the same databases.

Official DVLA and MOT information can be used alongside an appropriate vehicle history report and your physical inspection of the car to provide a broader picture.

How Are Vehicles Checked at Select Vehicle Sales?

At Select Vehicle Sales by CARS of Grimsby, vehicle history information forms part of a wider assessment rather than being relied upon on its own.

The team’s accident repair background provides additional experience when assessing physical vehicle condition, while RAC Approved Dealer status provides an external standard for preparation.

Vehicles are prepared in line with the RAC 82-point Approved Vehicle Preparation Standard and every vehicle sold comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover
Warranty upgrades to 12, 24 or 36 months are also available, subject to the applicable terms and eligibility.

You can find out more about what RAC Approved Dealer status means for customers .

What Should You Check Before Buying a Used Car?

A vehicle history report should form part of a wider assessment of any used car you are considering.

Start by confirming that the vehicle details match the information held by DVLA and review the MOT history. An appropriate history check can then help identify recorded issues such as outstanding finance or an insurance write-off.

When you see the car, compare its physical condition with the history you have been given and review the available service records. Allow enough time for a test drive and ask the seller about anything that does not appear consistent.

Together, these checks provide a much fuller understanding of the vehicle than relying on a single report.

Our used car inspection checklist explains what else to look for before deciding whether to buy.

Frequently Asked Questions About Vehicle History Checks

Look at the Complete History of the Vehicle

Vehicle history checks provide valuable information when buying a used car and can identify issues that would be difficult to establish during a viewing. Their limitations simply mean that they are most useful when combined with the other information available about the vehicle.

Service records and MOT history can help you understand how the car has been maintained, while a physical assessment provides information that may never appear on a database.

At Select Vehicle Sales by CARS of Grimsby , e ach vehicle is assessed individually by a team with extensive experience in accident repair and vehicle condition. This allows recorded history to be considered alongside the physical vehicle before it is offered for sale.

You can visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby and speak directly with the team. You are also welcome to view and test drive any vehicle that interests you.

View Our Current Used Cars and Vans

If you have a vehicle to sell or part exchange, request a valuation to understand how much it could contribute towards your next car.

CARS of Grimsby Celebrates Finalist Recognition at The Great Big Small Awards

Wed, 14 Oct 2026 11:45:20 GMT

We are delighted to share that CARS of Grimsby was shortlisted as a finalist in the Family Fortunes category at The Business Hive’s Great Big Small Awards, which took place on 25th September.

The awards celebrate the achievements, dedication and success of local businesses, and we were incredibly proud to be recognised alongside so many outstanding and successful companies from across the area.

Although we didn't take home the award on the night, being named a finalist was a fantastic achievement in itself and a real testament to the hard work, commitment and dedication of our entire team.

We're extremely grateful to have received this recognition and would like to congratulate all the winners and fellow finalists.

What to Check When Buying a Used Car: A Complete Inspection Guide

Wed, 14 Oct 2026 08:20:14 GMT

Buying a used car is a significant financial commitment, and while finding a vehicle that suits your budget is important, understanding its condition before making a purchase is just as essential.

A car might look immaculate in photographs and appear to have everything you are looking for, but its appearance cannot tell you how well it has been maintained or whether it has undergone previous repairs. Even vehicles of the same age with similar mileage can have very different histories, which is why taking the time to inspect a car properly can help you avoid potentially expensive problems in future.

So, what should you check before buying a used car?

The most important areas include the vehicle's exterior condition, evidence of previous accident damage, mechanical condition and service history. You should also inspect the interior, take the vehicle for a test drive and understand what preparation has been completed before it is offered for sale.

At Select Vehicle Sales by CARS of Grimsby, our background in accident repair gives us a thorough understanding of vehicle condition and the signs of previous damage that buyers might otherwise overlook.

How Do You Check the Exterior Condition of a Used Car?

The exterior is a good starting point when inspecting a used vehicle because it can reveal a great deal about how the car has been treated throughout its life.

Begin by walking around the vehicle in good natural light, looking carefully at the paintwork for scratches, dents or signs of corrosion. Minor cosmetic imperfections are not necessarily a cause for concern, especially on an older vehicle, but more significant damage may affect the car's value or indicate that further investigation is needed.

Pay particular attention to the gaps between body panels. These should generally be consistent, although slight variations can occur between manufacturers and models. Uneven gaps around the bonnet, doors or boot could suggest that panels have previously been removed, replaced or incorrectly aligned.

You should also look for differences in paint colour or texture between adjoining panels. These can indicate previous repair work, although a professional assessment may be needed to determine the reason and whether the work has been completed to an acceptable standard.

How Can You Tell If a Used Car Has Been Involved in an Accident?

One of the most important considerations when buying a used vehicle is whether it has sustained previous accident damage and, if so, how effectively it has been repaired.

Not every repair should be considered a problem. Many vehicles undergo minor cosmetic work during their lifetime, and professionally completed repairs do not automatically make a car unsuitable for purchase. However, poorly executed repairs or evidence of structural damage should be reviewed.

Signs of previous accident repairs that have been poorly executed can include overspray on surrounding components, unusual panel alignment or inconsistent paint finishes. More substantial repairs may also leave evidence around structural sections of the vehicle.

Identifying these issues often requires specialist knowledge because some repairs are extremely difficult to recognise without experience.

At CARS of Grimsby, years of repairing accident-damaged vehicles have given our team a trained eye for these details. We understand where previous damage may be visible and how repair quality can affect the condition of a vehicle.

You can learn more about what accident repair experience teaches us about buying a used car here .

What Should You Look for When Checking Tyres and Wheels?

Tyres are another important area to examine. Check that each tyre has sufficient tread remaining and look for uneven wear across the surface.

Uneven tyre wear can sometimes indicate incorrect wheel alignment or worn suspension components, particularly if one side of a tyre is noticeably more worn than the other. Examine the tyres for cuts or bulges and inspect the wheels for significant damage. A badly damaged alloy wheel could indicate that the vehicle has previously struck a kerb or pothole.

Replacing tyres can represent an additional expense shortly after purchase, so their condition should be considered when assessing the overall value of the car.

What Mechanical Checks Should You Make Before Buying?

Although a comprehensive mechanical inspection is best completed by a qualified technician, there are several basic checks buyers can make when viewing a used car.

Start by looking beneath the bonnet for obvious fluid leaks, damaged hoses or signs of poor maintenance. Ask to start the engine from cold if possible, as some issues may be easier to identify before it reaches normal operating temperature. Unusual knocking noises, excessive vibration or warning lights that remain illuminated could indicate a problem requiring further investigation.

It is also worth considering the condition of the exhaust system and whether any unusual smoke is produced while the engine is running. Remember that a vehicle can appear mechanically sound during a brief inspection while still having faults that require professional diagnostic equipment to identify.

What Should You Check Inside a Used Car?

The interior can often give you an indication of how carefully a vehicle has been looked after by its previous owners.

Examine the seats and upholstery for excessive wear. Although some wear is expected, significant deterioration may warrant further questions about the vehicle's previous use.

Make sure the windows operate correctly and test the air conditioning or heating system. Check that the dashboard functions as expected and that no warning lights remain illuminated after the engine has started.

You should also inspect the boot and lift the boot floor where accessible, looking for evidence of water ingress or damage. A musty smell or damp carpets could indicate a leak that requires attention.

Consider whether the interior condition is consistent with the advertised mileage and age. While appearance alone cannot establish how far a vehicle has travelled, noticeable inconsistencies may justify further investigation.

Why Is a Used Car's Service History Important?

A vehicle's service history provides valuable information about how regularly it has been maintained and whether important work has been completed at the recommended intervals.

A full service history can provide reassurance, although the quality and completeness of the records are more important than simply having a stamped service book.

It is also worth checking whether the manufacturer recommends any significant maintenance work based on the vehicle's age or mileage. If that work is approaching or has already become overdue, it could affect your future running costs.

A missing service record does not automatically mean a vehicle has been neglected, but it makes establishing its maintenance history more difficult.

How Do You Check a Used Car's MOT History?

Before buying a used car, you should review its MOT history to identify previous failures, advisory notices and any patterns of recurring problems.

The government's free MOT history checking service allows you to review recorded test results using the vehicle's registration number.

Pay attention to repeated advisories for issues such as corrosion or suspension components. If the same problem appears over several years, ask whether the necessary repairs have since been completed.

However, a valid MOT is not a guarantee that a vehicle is free from mechanical problems. An MOT assesses specific roadworthiness and environmental requirements at the time of testing and does not replace a detailed mechanical inspection.

What Vehicle History Checks Should You Complete?

Alongside the physical inspection, it is important to establish the vehicle's recorded history before making a purchase.

A vehicle history check can help identify whether a car has been recorded as stolen, has outstanding finance or has previously been declared an insurance write-off.

You should also examine the V5C registration certificate and confirm that the vehicle identification number (VIN) matches the car itself.

The government's guidance on checking a used vehicle before buying explains the key documentation and identity checks buyers should complete.

It is worth remembering that vehicle history reports have limitations. An accident that was repaired privately may not appear on insurance databases for example, which is why a physical inspection is important.

What Should You Look for During a Used Car Test Drive?

A test drive allows you to assess how a vehicle performs under normal driving conditions and whether it feels suitable for your everyday requirements.

Where possible, drive on different types of roads and pay attention to how the engine responds when accelerating.

Listen for unusual noises when travelling over uneven surfaces, as these may indicate worn suspension components. Check that the brakes operate smoothly and that the gearbox changes gear without difficulty.

If you are considering an automatic vehicle, pay attention to how smoothly it changes gear during acceleration and when slowing down.

The test drive should also help you decide whether the driving position and overall comfort meet your expectations.

What Should You Ask a Used Car Dealer Before Buying?

Once you have inspected the car, there are several questions worth asking before making your final decision.

Find out what vehicle history checks have been completed and whether the dealer is aware of any previous accident repairs. Ask what servicing or mechanical preparation has taken place and whether any work remains outstanding. You should also establish what warranty is included, how long it lasts and what exclusions apply.

A reputable dealer should be willing to answer reasonable questions and explain the vehicle's known condition without pressuring you into making an immediate decision.

Why Is Vehicle Preparation Important When Buying a Used Car?

Two apparently similar used cars can represent very different value depending on the preparation completed before sale.

A vehicle that has undergone a comprehensive inspection and received necessary maintenance may offer better overall value than a cheaper alternative requiring additional work shortly after purchase.

At Select Vehicle Sales by CARS of Grimsby, we use our accident repair experience when assessing vehicles for sale, paying attention to condition and the quality of any previous repairs.

As an RAC Approved Dealer, our vehicles are prepared in accordance with recognised inspection standards. Every vehicle also comes with a full service, a clean 12-month MOT and a six-month RAC Approved warranty, alongside 12 months of complimentary RAC Breakdown cover.

You can find out more about what happens before we list a used vehicle for sale .

Buy Your Next Used Car with Confidence at Select Vehicle Sales

Taking the time to inspect a used car properly can help you make a more informed decision and reduce the likelihood of unexpected problems after purchase.

At Select Vehicle Sales by CARS of Grimsby, we understand that buying a used vehicle involves a considerable amount of trust. Our experience in accident repair gives us a thorough understanding of what to look for when assessing vehicle condition, and we apply that knowledge to the cars and vans we offer for sale.

If you are looking for a quality used car in Grimsby or the surrounding areas, our team will be happy to explain the vehicles currently available and answer any questions you may have.

Browse our latest selection of used cars and vans , or visit us at Estate Road 8, South Humberside Industrial Estate, Grimsby.

If you have a vehicle you are considering selling or part exchanging, you can also request a free, no-obligation vehicle valuation .

Why Can Similar Used Cars Have Different Prices?

Fri, 09 Oct 2026 13:00:42 GMT

If you are comparing used cars online, it is common to find two vehicles that appear very similar but have noticeably different asking prices. They may be the same make and model, registered in the same year and showing broadly similar mileage, yet one could still cost considerably more than the other.

At first glance, it can be tempting to assume that the cheaper vehicle represents better value. However, the headline price only tells you how much the seller is asking for the car and does not explain the reason for that figure.

The condition of the vehicle, its service history, specification and previous use can all influence its value. The level of preparation carried out before the vehicle is offered for sale can also make a difference, particularly if servicing, MOT work or warranty cover is included within the price.

Why Can Two Cars of the Same Age and Model Be Worth Different Amounts?

Two cars may have left the factory at around the same time and appear very similar on paper, but they can have experienced very different lives by the time they reach the used car market.

One may have been serviced regularly and maintained carefully throughout its ownership, while another may have missed scheduled maintenance or required more repair work. One vehicle may also have been used mainly for longer motorway journeys, while another could have spent much of its life covering shorter trips around town.

Previous repairs can also affect the way a vehicle is valued, particularly if the standard of the work differs.

Specification should be considered too, because two versions of the same model may have different trim levels or optional equipment fitted. Even where the age and mileage are almost identical, these differences can influence both desirability and price.

This is why a like-for-like comparison involves more than checking the registration year and mileage. The history and present condition of each individual vehicle are just as important.

How Much Does Condition Affect the Price of a Used Car?

Condition can have a significant effect on the value of a used car, although not every difference will be obvious from the photographs in an online advert.

Paintwork, alloy wheels and interior condition are easy to notice, but a thorough assessment should also consider the quality of any previous repairs and whether the vehicle shows signs of damage beneath the surface.

A car that has been maintained carefully may naturally command a higher price than a similar vehicle that needs cosmetic or mechanical work. The difference may become even more important if repairs are likely to be required soon after purchase.

At Select Vehicle Sales by CARS of Grimsby, each vehicle is assessed individually. The team brings decades of accident repair experience to that assessment process, which provides is key when examining paint finish, panel alignment and signs of previous repairs.

Can Previous Accident Damage Affect a Used Car’s Value?

Previous accident damage does not automatically mean a vehicle should be avoided, particularly if any repairs have been completed correctly and to a high standard. However, the quality of those repairs is important because poor workmanship can affect both appearance and the longer-term condition of the vehicle.

Differences in paint finish or inconsistent panel alignment can sometimes indicate previous repair work. Other signs may be less obvious and require someone with relevant experience to recognise them.

Vehicle history checks can provide useful information, but they may not identify every repair that has ever been carried out. Privately funded work, for example, may not necessarily appear on an insurance database.

CARS of Grimsby’s accident repair background helps the team assess physical signs of previous repair work alongside the information available through vehicle history records.

How Does Service History Affect the Value of a Used Car?

A well-documented service history can add confidence when comparing used vehicles because it provides evidence of how consistently the car has been maintained.

A vehicle that has been serviced at the appropriate intervals and has supporting records may be valued more highly than a similar example with gaps in its maintenance history. The difference is not simply about having a stamped service book, because recent maintenance can also reduce the amount you are likely to spend in the near future.

For example, one car may already have had servicing or other routine work completed, while another similar vehicle may need attention soon after purchase. The cheaper car can therefore become less attractive once those additional costs are taken into account.

When comparing used vehicles, it is important to ask what maintenance has recently been carried out and when the next service is due rather than relying solely on the asking price.

Does Lower Mileage Always Mean a Used Car Is Worth More?

Lower mileage can increase the value of a used car, but it should not be considered separately from the vehicle’s overall history and condition.

A low-mileage car that has not been very well maintained may not necessarily represent better value than a slightly higher-mileage example with a comprehensive service history and evidence of careful ownership.

The way a car has accumulated its mileage can also be relevant. A vehicle used mainly for longer journeys may have experienced a different type of wear from one that has spent much of its life making frequent short trips.

Mileage is therefore one part of the comparison rather than a definitive measure of quality. Service history, condition and preparation should all be reviewed alongside the odometer reading.

How Can Specification Change the Price of a Used Car?

Two cars carrying the same model name may have very different levels of equipment, especially if they are different trim levels or were originally ordered with optional extras. Features such as an automatic gearbox, upgraded interior equipment or additional driver assistance technology can affect how desirable a vehicle is on the used market.

When comparing two vehicles, check the full specification rather than assuming that the same make, model and registration year mean the cars are directly comparable.

A higher-priced vehicle may include equipment that was not fitted to the cheaper example, and that difference may be relevant if those features are important to you.

Why Does Dealer Preparation Affect the Price of a Used Car?

The level of preparation completed before a vehicle is offered for sale can make a difference to both the asking price and the amount the buyer may need to spend shortly after purchase.

One vehicle may be advertised in broadly the condition in which it was acquired, while another may have had servicing, MOT work or other maintenance completed before it reaches the forecourt.

The second vehicle may therefore have a higher price, but that does not necessarily mean it offers poorer value. If the work has already been completed, the buyer may have fewer immediate costs to consider.

Select Vehicle Sales by CARS of Grimsby is an RAC Approved Dealer and vehicles are prepared in line with the RAC 82-point Approved Vehicle Preparation Standard.

Every vehicle sold by Select Vehicle Sales by CARS of Grimsby comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

Warranty upgrades to 12, 24 or 36 months are also available, subject to eligibility and the applicable terms.

You can find out more about what RAC Approved Dealer status means for customers .

Can the Cheapest Used Car End Up Costing More?

A lower advertised price can become less attractive if the vehicle requires significant expenditure shortly after purchase. A car may be due a service, have a short MOT or require wear-related items to be replaced. Tyres, brakes or other maintenance may also need attention, depending on the condition of the vehicle.

Those costs do not automatically make the cheaper car a poor choice, but they should be taken into consideration when assessing the overall value.

A slightly more expensive vehicle that has already been serviced and prepared may work out more favourably once the cost of bringing the cheaper alternative to the same standard is considered.

This is why it is useful to ask what has already been completed before comparing prices.

How Important Is the Vehicle’s MOT History?

The MOT history can provide context when comparing similar used vehicles because it may highlight previous failures or recurring advisory items.

A car that has repeatedly received advisories for the same type of issue may require closer inspection, especially if there is no evidence that the underlying work has been completed.

The MOT history should not be treated as a complete mechanical assessment, but it can help you understand how the vehicle has been maintained over time.

You should compare this information with the current condition of the car and its service history. Asking the dealer what preparation has been completed can also help clarify whether previous advisory items have already been addressed.

How Should You Compare the Value of Two Similar Used Cars?

Start by comparing the vehicles on as close to a like-for-like basis as possible. Look at the age and mileage, but also examine the service history, specification and overall condition.

Check how much MOT remains and ask what work has been completed before sale. You should also find out what warranty or breakdown cover is included and whether there are any additional costs you may need to allow for shortly after purchase.

The seller or dealer should be able to explain the vehicle’s history and the preparation that has been carried out.

You can then compare the complete offer rather than simply choosing whichever car has the lowest advertised price.

Our guide to how much you should spend on a used car explains how to consider the purchase price alongside the wider cost of owning and running the vehicle.

Frequently Asked Questions About Used Car Prices

Compare the Whole Vehicle, Not Just the Headline Price

Two used cars can look very similar in an advert while differing considerably in their history, condition and preparation.

The lower-priced option may still be the right vehicle for you, but the fairest comparison comes from understanding the reason for each asking price and what you are likely to receive for your money.

At Select Vehicle Sales by CARS of Grimsby , each vehicle is assessed individually by a team with extensive experience in accident repair and vehicle condition. Our RAC Approved status provides a recognised preparation standard, while every vehicle is supplied with a full service, clean 12-month MOT, six-month RAC Approved warranty and twelve months of complimentary RAC Breakdown cover.

You can visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby and speak directly with the team. You are also welcome to view and test drive any vehicle that interests you.

View Our Current Used Cars and Vans

If you have a vehicle to sell or part exchange, request a valuation to understand how much it could contribute towards your next car.

Private Seller or Dealer? A Balanced Guide to the Pros and Cons

Tue, 29 Sep 2026 17:57:07 GMT

Buying from a private seller can give you access to a lower initial purchase price and the opportunity to speak directly with the person who has owned the car. Buying from a dealer generally provides greater legal protection and more support if a problem develops.

Neither option will be right for every buyer. Your decision may depend on your budget and your knowledge of cars. You should also consider how comfortable you are carrying out checks yourself.

A private purchase may suit an experienced buyer or vehicle enthusiast who understands how to assess a vehicle and is prepared to accept more responsibility. A reputable dealer may be more appropriate if you value professional preparation, warranty cover and somewhere to return if you need assistance.

This article explains the main advantages and disadvantages of both options so you can decide which route gives you the appropriate balance of price and reassurance.

What Is the Difference Between a Private Seller and a Used Car Dealer?

A private seller is an individual selling a vehicle they personally own. They may be replacing the car, reducing the number of vehicles in their household, selling because their circumstances have changed or selling on behalf of a family member.

A dealer buys and sells vehicles as part of a business. Dealers range from small local independents to large national franchised groups. They have legal responsibilities as traders and may also provide vehicle preparation or warranty cover.

You should establish which type of seller you are dealing with before agreeing to buy. Some traders may attempt to present themselves as private individuals, sometimes known as disguising a trade sale. Warning signs can include a seller advertising several vehicles or asking to meet away from the address shown on the V5C.

Ask the seller directly if the car belongs to them and how long they have owned it. The answer should be consistent with the paperwork and the circumstances of the sale.

What Are the Advantages of Buying a Used Car Privately?

Price is often the main reason people consider a private purchase. A private seller does not have the same operating costs as a dealership and may accept less for the vehicle. You may also be able to speak with the person who has used the car regularly. A genuine long-term owner may be able to explain how it has been maintained and where it has been driven.

Private marketplaces can give you access to older vehicles that dealers may choose not to stock. This can increase the number of options available at the lower end of the market.

Negotiations may be relatively straightforward if the owner has already chosen their next vehicle or wants to complete the sale promptly. However, the lowest advertised price does not always result in the lowest ownership cost. Any maintenance required after purchase must be included when assessing the value.

What Are the Disadvantages of Buying a Used Car Privately?

Your legal protection is more limited when buying from a private seller. The vehicle must match the description given by the seller, and the seller must have the legal right to sell it. You cannot generally expect the same protection that applies when buying from a business.

A private seller will not usually provide a warranty or prepare the car to a defined retail standard. The vehicle may be sold with a short MOT or a service due soon. Tyres and brakes may also require attention shortly after purchase.

You will normally need to arrange your own vehicle history check and assess the physical condition yourself. If you lack the required knowledge, consider arranging an independent inspection before paying.

Resolving a dispute may also be more difficult. A private seller may stop responding or disagree with your account of what was said. Keep a copy of the advertisement and any written messages. You should also obtain a receipt recording the vehicle details and the amount paid.

MoneyHelper explains that buyers have fewer rights when purchasing from a private seller, provided the car was accurately described. Its guide to consumer rights when buying a used car provides further information.

What Are the Advantages of Buying from a Used Car Dealer?

The legal protection available to a consumer is one of the most significant differences. A car bought from a dealer must be of satisfactory quality and fit for purpose. It must also match the description supplied.

The condition you can reasonably expect will depend on the vehicle’s age and mileage. Its price will also be relevant. An older car is unlikely to be free from every mark or sign of wear, but it should meet the standards reasonably expected of a vehicle with that history.

A reputable dealer should complete checks before offering a car for sale. Depending on the business, this may include a vehicle history check and a mechanical inspection. Maintenance or cosmetic preparation may also be completed.

Dealers can often help with part exchange and may introduce customers to selected finance providers. Some include warranty and breakdown cover, although buyers should check exactly what is supplied.

You also have an established business to contact if a problem arises. This can make the process of asking questions or arranging an assessment more straightforward.

What Are the Disadvantages of Buying from a Used Car Dealer?

A vehicle bought from a dealer may cost more than a similar car sold privately. The price can reflect the dealer’s preparation costs and business overheads. It may also include a warranty or other aftersales support.

Standards vary between dealerships. A professional website and well-presented showroom do not prove that every vehicle has been thoroughly checked. Buyers should still research the business and inspect the car. Some customers may also feel under pressure when discussing optional products or finance. Take the time to review every document and ask for clarification if something is unclear. The monthly payment should not be considered in isolation because the total amount payable shows the full cost of a finance agreement.

Buying from a dealer reduces some risks, but it does not remove the carry out your own checks. You should still review the vehicle’s records and complete a test drive.

How Do Your Legal Rights Differ?

When a dealer sells a used car to a consumer, the Consumer Rights Act 2015 applies. The vehicle must be of satisfactory quality and as described. It must also be suitable for any purpose made known to the dealer before purchase.

If a fault develops, your rights will depend on the nature of the problem and when it becomes apparent. The vehicle’s age and previous use will be taken into account.

Private sales provide less protection. The seller must describe the vehicle accurately and must be entitled to sell it. Your options may be limited if a fault develops that was not mentioned and the seller did not make a false statement about it.

A warranty supplied by a dealer sits alongside your statutory rights but it does not replace the dealer’s legal obligations.

Is a Privately Sold Used Car Always Cheaper?

Private vehicles are often advertised at lower prices, but the saving should be compared with the complete cost of ownership.

Ask how much MOT remains and when the next service is due. Examine the tyre condition and review the MOT history for recurring advisories. A lower purchase price can quickly become less attractive if several maintenance items require immediate attention.

A dealer-prepared vehicle may include servicing and a fresh MOT. Warranty or breakdown cover may also be supplied. Add the likely cost of obtaining these separately when comparing the two options.

Every vehicle sold by Select Vehicle Sales by CARS of Grimsby comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

Warranty upgrades to 12, 24 or 36 months are also available, subject to eligibility and the applicable terms.

Our guide explaining how much you should spend on a used car can help you assess the purchase price alongside the wider cost of ownership.

What Vehicle Checks Should You Complete in Either Case?

The same fundamental checks apply when buying privately or through a dealer. Ask for the registration number before arranging a viewing. Use it to compare the car with the information held by DVLA and review its MOT history. Look at the recorded mileage and previous failures. Advisory items can also indicate maintenance that may soon be required.

When viewing the vehicle, check that the Vehicle Identification Number agrees with the V5C registration document. Confirm that the seller’s details are consistent with the paperwork.

A vehicle history check can help identify recorded insurance write-offs and outstanding finance. It may also reveal if the car has been reported stolen.

You should check the service history and inspect the condition in good daylight. Allow enough time for a test drive. If you are unsure about any aspect of the vehicle, arrange a professional inspection or walk away.

The official GOV.UK used vehicle buying checklist explains the DVLA, MOT and recall checks buyers should complete.

How Does Vehicle Preparation Compare?

A private seller will normally present the vehicle in its current condition. Some owners may arrange a service or MOT before selling, while others will leave the next owner to complete any work that becomes due.

Dealer preparation depends on the standards followed by the individual business. Ask for specific details rather than relying on phrases such as “fully checked”.

Select Vehicle Sales by CARS of Grimsby is an RAC Approved Dealer. Each vehicle is prepared in line with the RAC 82-point Approved Vehicle Preparation Standard.

The team also brings extensive accident repair experience to the assessment process. This helps identify differences in paint finish and panel alignment. It can also reveal signs of previous repairs that may not appear on an insurance database.

Should You Buy Privately If You Know About Cars?

Mechanical knowledge can help you assess condition and recognise signs that require further investigation. It can also give you greater confidence when estimating the likely cost of maintenance.

However, knowledge alone cannot confirm every aspect of a car’s history. Outstanding finance and theft records require appropriate data checks. Some faults may also be intermittent or difficult to identify during a short viewing.

An experienced buyer may feel comfortable accepting the additional responsibility of a private purchase in return for a possible saving. Other buyers may decide that dealer preparation and aftersales support provide better value for their circumstances.

Be honest about your knowledge and your willingness to manage a problem if one develops.

When Might Buying Privately Be the Better Option?

A private purchase may suit you if you have found a well-documented vehicle being sold by a genuine long-term owner. It may also be appropriate if you understand the model and can assess its condition confidently. You should have funds available for any servicing or maintenance required after purchase and you should also be prepared to arrange the necessary history checks yourself.

The seller’s openness is vital. A complete set of records and a viewing at the registered address can provide useful reassurance, but you should still verify the information rather than relying solely on what you are told.

When Might Buying from a Dealer Be the Better Option?

A dealership may be the better option if you want legal protection and documented preparation. It can also help if you need finance or have a vehicle to part exchange.

Dealer support may also be valuable if you have limited mechanical knowledge or prefer to have a named business to contact after the sale.

Look for a dealer that answers questions directly and explains how each car has been assessed, check independent reviews, and ask what happens if a fault develops.

At Select Vehicle Sales by CARS of Grimsby, we regularly connect with our customers for regular feedback to continually improve all areas of customer care and ensure our pricing is affordable. Read more about what our customers value about dealing with us .

External standards can provide further reassurance. Select Vehicle Sales is an RAC Approved Dealer and follows the corresponding vehicle preparation requirements.

Find out more about what RAC Approved Dealer status means for a customer .

Frequently Asked Questions About Private Sellers and Used Car Dealers

Buy a Carefully Prepared Used Car in Grimsby

Buying privately can offer a lower price and direct access to the previous owner. Buying from a reputable dealer provides stronger legal protection and can include preparation or warranty support.

The right choice depends on the individual vehicle and the value you place on reassurance after the sale.

At Select Vehicle Sales by CARS of Grimsby , each vehicle is assessed individually by a team with extensive experience in accident repair and vehicle care. Our RAC Approved status provides a recognised preparation standard, while our local team is available to answer your questions throughout the entire buying process.

You can visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby and speak directly with the team. You are also welcome to view and test drive any vehicle that interests you.

View Our Current Used Cars and Vans

If you have a vehicle to sell or part exchange, request a valuation to understand how much it could contribute towards your next car.

Main Dealer vs Independent Used Car Dealer: What’s the Difference?

Tue, 29 Sep 2026 17:02:59 GMT

The main difference between a main dealer and an independent used car dealer is the relationship each business has with vehicle manufacturers.

A main dealer usually represents one manufacturer or a small group of associated brands. An independent dealer operates without that franchise agreement and can sell vehicles from a wider range of manufacturers.

This distinction can affect the cars available for sale and the type of warranty supplied. It may also influence the way vehicles are prepared. However, dealer type does not tell you which business will provide the better vehicle or customer experience.

The quality of an individual vehicle and the standards followed by the dealership are better indicators. Buyers should also consider the dealer’s reputation and the support available after the sale.

What Is a Main Dealer?

A main dealer, sometimes called a franchised dealer, has an official agreement with a single vehicle manufacturer, or several different vehicle manufacturers. The dealership is authorised to sell the manufacturer’s brand new vehicles and usually provides Motability services, vehicle servicing, warranty repairs and parts for that brand.

Many main dealers also sell used cars. Their stock will often include vehicles from the manufacturer they represent, although they may also offer cars from other brands that have been taken in part exchange.

Some used cars will be sold through a manufacturer-backed approved used programme. To qualify, the vehicle must meet the manufacturer’s eligibility criteria, which can include limits on its age and mileage. Vehicles that fall outside these limits cannot usually be sold as part of the approved used programme. The manufacturer may also set requirements for the inspection the vehicle must pass and the warranty that is included.

The exact benefits differ between manufacturers. Customers should ask what the approved used status covers for the vehicle they are considering.

What Is an Independent Used Car Dealer?

An independent used car dealer operates separately from a vehicle manufacturer. It can select its stock from multiple different brands and is free to specialise in a certain type of vehicle or serve a broader section of the market.

Independent dealerships vary considerably. Some are independent businesses offering a carefully selected range of vehicles for sale while preferring to serve the local community. Others operate large sites and sell hundreds of cars.

Select Vehicle Sales by CARS of Grimsby is a local independent dealership offering used cars and vans from a range of quality and reputable manufacturers. It forms part of CARS of Grimsby, a multi-award-winning accident repair centre with extensive experience in assessing vehicle condition.

Operating independently allows the team to assess each vehicle on its individual merits rather than limiting the selection to one manufacturer

Do Main Dealers and Independent Dealers Sell Different Cars?

A main dealer will usually stock a selection of used vehicles from its franchise brand. Some of its stock may have been supplied new and maintained by the same dealership.

An independent dealer can offer more variety in one location. You may be able to compare a hatchback from one manufacturer with an SUV from another without visiting several sites.

This is beneficial if you know what you need from a car or van but remain open-minded about the manufacturer. It gives an independent dealer the freedom to recommend a vehicle based on your requirements rather than limiting your choice to a certain brand.

If Select Vehicle Sales does not currently have a suitable vehicle in stock, the team can also source vehicles through a range of different channels. This gives them greater flexibility to locate a car or van that more closely matches your requirements.

Is a Used Car Cheaper from an Independent Dealer?

Independent dealers can sometimes offer lower prices than main dealers because their premises and operating structures may be different. However, this does not mean every independently sold vehicle will be cheaper than an equivalent car at a franchised dealership.

The model, its condition, current mileage and specification influence the value. Wider market demand can also cause similar vehicles to be advertised at different prices.

A main dealer may charge more for a vehicle covered by a manufacturer-approved used programme. That higher price may include additional preparation or a manufacturer-backed warranty.

An independent dealer may provide its own warranty and preparation package within the advertised price. The fairest comparison is therefore based on the complete offer rather than the price displayed in the windscreen.

Check the vehicle’s condition and history. You should also establish what preparation has been completed and what support is included after purchase.

Our article explaining how much you should spend on a used car can help you set a realistic overall budget.

How Does Vehicle Preparation Compare?

The manufacturer logo above the dealership door does not guarantee the standard of every used car. Preparation policies differ between individual businesses and used vehicle programmes.

A main dealer may inspect a vehicle against a checklist created by the manufacturer. An independent dealer may use its own inspection process or follow standards set by an external organisation.

Select Vehicle Sales by CARS of Grimsby is an RAC Approved Dealer and vehicles are prepared in line with the RAC 82-point Approved Vehicle Preparation Standard. The RAC states that participating dealers are visited at least six times a year to check that vehicles are being prepared to the required standard.

Every vehicle sold by Select Vehicle Sales also comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

Warranty upgrades to 12, 24 or 36 months are available, subject to the applicable terms and eligibility.

You can find out more about what RAC Approved Dealer status means for customers .

Does a Main Dealer Offer a Better Used Car Warranty?

A main dealer may supply a manufacturer-backed warranty with an approved used vehicle. A relatively new car may also have some of its original manufacturer warranty remaining.

Independent dealers can provide warranties through specialist providers, and the length and scope of cover will depend on the dealership and the vehicle.

The provider’s name should not be your only consideration. Ask how long the warranty lasts, which components it covers, the claim limit and any exclusions. You should also understand where repairs can be completed.

A longer warranty does not always provide better or broader cover. Reading the documentation will help you compare the protection offered by different dealers.

Select Vehicle Sales includes a six-month RAC Approved warranty with every vehicle, with longer terms available. Customers receive the appropriate documents so they can review the level of cover and understand how to make a claim.

Do You Have the Same Consumer Rights at Both Types of Dealer?

When you buy a used car as a consumer from a business, you have legal rights regardless of whether the seller is a main dealer or an independent dealership. The vehicle must be of satisfactory quality, fit for purpose and as described. What counts as satisfactory will take account of factors such as the car’s age, mileage and price.

A warranty is additional to your statutory consumer rights and it does not remove the dealer’s legal responsibilities.

Buying from a private seller is different because the same level of consumer protection does not apply. Confirm that the person or business advertising the vehicle is genuinely acting in the capacity stated.

Is Customer Service More Personal at an Independent Dealer?

Many independent dealerships build their reputation through local recommendations and repeat business. Customers may deal with the same person throughout the enquiry and handover process. They may also find it easier to speak directly with someone who understands the vehicle and the original sale.

A main dealer may have a larger team with separate departments handling sales, finance and aftersales. Some customers value this structure, especially when they already have a relationship with the manufacturer or dealership group.

The experience will depend on the business and the people within it. Reviews can provide useful context, although they should be considered alongside the way the dealer communicates with you directly.

Pay attention to how openly your questions are answered. A reputable dealer should allow you time to inspect the vehicle and review the documents. You should also be offered a suitable test drive before making a decision.

Does an Independent Dealer Have the Same Technical Knowledge?

Technical expertise varies between dealerships. Main dealer employees may receive manufacturer-specific training, which can be valuable when dealing with a specific brand or current model.

An independent dealer may have experience across a broader range of vehicles. Some also bring specialist knowledge from related areas of the motor industry.

CARS of Grimsby has decades of experience in accident repair and bodyshop work. That background helps the team examine paint finish and panel alignment. It also supports the assessment of previous repair work and structural condition.

Vehicle history checks remain important, but some privately funded repairs may not appear on an insurance database. Repair knowledge can help identify physical signs that require closer examination.

What Should You Check Before Choosing Either Dealer?

Apply the same basic checks when buying from a main dealer or an independent dealership. Ask for the registration number before visiting so you can review the MOT history and compare the vehicle details with DVLA records.

The official GOV.UK used vehicle buying guidance recommends checking the vehicle’s details and MOT history. When you view the car, examine its condition carefully and confirm that the Vehicle Identification Number matches the V5C registration document. Ask about the service history and any previous repairs known to the dealer.

You should also establish:

What checks have been carried out?
What work has been completed before sale?
What warranty is included?
Who should you contact if a problem develops?
Can you take the vehicle for a suitable test drive?

A trustworthy dealer should be comfortable answering these questions. Our guide provides further questions to ask before buying a used car .

Which Type of Used Car Dealer Should You Choose?

A main dealer may suit you if you want a specific manufacturer and value access to a manufacturer-approved used programme.

An independent dealer may be a better fit if you want to compare several manufacturers or prefer to deal with a local business. It can also offer valuable specialist knowledge and a preparation package supported by an organisation such as the RAC.

Your decision should be based on the individual car and the dealer’s standards. Look at the information provided and how the vehicle has been prepared. Consider the support that will remain available once you have collected it.

Frequently Asked Questions About Main and Independent Used Car Dealers

Buy from a Local Independent Used Car Dealer in Grimsby

Main dealers and independent used car dealers operate under different business models, but either can provide a positive buying experience. The individual vehicle and the dealer’s approach should guide your decision.

Select Vehicle Sales by CARS of Grimsby combines the personal service of a local independent business with RAC Approved preparation standards. Our background in accident repair also gives us valuable experience in assessing vehicle condition.

You can visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby and speak directly with the team. You are also welcome to view and test drive any vehicle that interests you.

View Our Current Used Cars and Vans

If you have a vehicle to sell or part exchange, request a valuation to understand how much it could contribute towards your next car.

How Much Should You Spend on a Used Car?

Tue, 22 Sep 2026 15:45:20 GMT

The right amount to spend on a used car is the amount that gives you a suitable and dependable vehicle without placing your wider finances under unnecessary pressure.

There is no single figure that will work for every buyer. Your budget will depend on your income, existing financial commitments, available savings and how you plan to use the car. The cost of owning the vehicle is also important, as the purchase price or monthly finance payment represents only part of what you will spend.

Before viewing used cars, work out what you can afford to pay upfront or each month. You should then account for insurance, vehicle tax, fuel or charging, servicing and general maintenance. This gives you a more realistic budget and helps prevent a car that appears affordable from becoming difficult to run.

Is There a Recommended Amount to Spend on a Used Car?

You may come across general rules suggesting that a car should cost no more than a certain percentage of your annual income or monthly salary. These can provide a rough starting point, but they do not reflect every household’s circumstances.

Two people earning the same amount may have very different levels of disposable income. One may have a mortgage and other financial commitments, while the other has lower monthly costs. They may also use their cars differently.

Someone travelling a few miles around Grimsby and Cleethorpes may have different requirements from a driver covering long motorway distances every week. Family size, annual mileage, luggage space and access to home charging can also influence which vehicles are suitable.

A personal budget based on your actual income and spending will usually be more useful than a fixed percentage.

Should Your Budget Be Based on the Purchase Price or the Total Cost?

Your budget should consider the total cost of owning and running the vehicle. A used car with a lower advertised price may cost more over time if it has a high insurance premium or uses considerably more fuel. A more expensive vehicle may also stretch the budget once finance interest and day-to-day running costs are included.

Your expected costs may include:

The purchase price or monthly finance payment
Insurance
Vehicle tax
Fuel or electricity
Servicing and MOT tests
Tyres, brakes and other wear-related maintenance
Parking charges or permits where applicable
Breakdown cover and warranty costs if they are not included

When setting a budget, MoneyHelper recommends taking into account everyday running costs in addition to the cost of buying or leasing a car because they can have a significant effect on affordability. Its guide to the cost of running a car provides further guidance.

How Much Should You Spend When Buying a Used Car Outright?

If you plan to buy a car outright, decide how much of your savings you can comfortably use while keeping enough money available for other commitments and unexpected expenses.

Spending every pound of your available savings on the car can leave little room for insurance, vehicle tax or future maintenance. Even a carefully prepared used vehicle will require routine servicing and the replacement of wear-related components during ownership.

It can therefore be sensible to separate your available money into two amounts: the amount you are willing to spend on the vehicle and the money you will retain as a financial reserve.

You should also consider the value of your current vehicle. Selling it or using it as a part exchange may increase the amount available without requiring you to use more of your savings.

Select Vehicle Sales by CARS of Grimsby provides free, no-obligation valuations for customers who are considering selling or part exchanging their current car or van.

How Much Can You Afford to Pay Each Month for a Used Car?

When using finance, begin with the amount you can comfortably afford each month after your essential household costs and existing credit commitments have been paid.

Leave room for changes in your circumstances and the ongoing cost of running the car. A monthly payment may appear to be manageable on its own, but the combined cost of the payment, insurance, tax and fuel could place greater pressure on your finances.

The length of the agreement also needs to be taken into consideration. Extending the term can reduce the monthly payment, although it will usually increase the amount of interest paid overall.

How Do Running Costs Affect Your Used Car Budget?

Running costs can vary considerably between vehicles of a similar purchase price. Before choosing a car, obtain an insurance quotation using the exact registration where possible. Check the vehicle tax rather than assuming a newer, smaller or electric car will be treated in a particular way. Tax rules and rates can change, and the amount may depend on the vehicle’s age, emissions and original list price. You can use the official DVLA vehicle information service to check details including the current tax rate, engine size, fuel type and emissions.

Fuel economy or electric range should be considered in relation to the journeys you make. A highly efficient car may justify a higher purchase price for someone covering substantial annual mileage. The saving may be much smaller for a driver making occasional short journeys.

Servicing costs can also differ by make, model, age and engine type. Tyre size, parts availability and technical complexity may influence future maintenance bills.

Should You Buy the Cheapest Used Car That Meets Your Needs?

The cheapest suitable-looking car will not always provide the lowest overall cost of ownership. Condition, maintenance history and preparation can be more important than a small difference in the advertised price. A poorly maintained vehicle may need tyres, brakes or overdue servicing soon after purchase and this can quickly reduce the initial saving.

Compare vehicles on a like-for-like basis. Consider the age, mileage, specification, service record and MOT history. You should also examine what the dealer includes within the price.

A vehicle supplied with recent servicing, a suitable warranty and a full MOT may offer better overall value than a lower-priced alternative where those items need to be arranged separately.

How Do You Decide Which Features Are Worth Paying For?

Start by separating the features you require from those you would simply prefer. Your essential requirements might include a certain number of seats, sufficient boot space, an automatic gearbox or enough towing capacity. You may also need a vehicle that can accommodate a child seat, mobility equipment or tools for work.

Preferred features could include heated seats, a panoramic roof, upgraded audio or a particular colour. These may improve your enjoyment of the car, although they should remain secondary if including them pushes the vehicle past your comfortable budget.

Safety equipment and features that benefit and enhance daily use may justify additional spending. Parking sensors could be particularly valuable for a driver regularly using tight spaces, while cruise control may be more useful for frequent motorway journeys.

A list of requirements will make it easier to compare vehicles and avoid paying more for equipment you are unlikely to use.

How Much Should You Allow for Maintenance After Buying a Used Car?

The amount will depend on the vehicle’s age, mileage and condition. All cars require ongoing maintenance, including vehicles that have been carefully inspected before sale.

Tyres, brake pads, bulbs and windscreen wipers wear through normal use. Older vehicles may also require more frequent attention as components age.

Review the service schedule and ask what maintenance has recently been completed. The MOT history can also identify recurring advisory items, although an MOT should not be treated as a replacement for a detailed assessment of the car.

Every vehicle sold by Select Vehicle Sales by CARS of Grimsby comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

Warranty upgrades to 12, 24 or 36 months are also available. Terms, eligibility and exclusions apply, so customers should review the relevant warranty documentation.

Read more about what RAC Approved Dealer status means for customers .

Can Spending More on a Used Car Save Money Later?

Paying more can sometimes provide access to a newer vehicle, lower mileage or a more complete service record. It may also allow you to choose a model with lower running costs.

The higher price should still be supported by the vehicle’s condition, history and suitability. A newer registration or higher specification does not automatically make one car a better purchase than another.

Focus on value across the expected ownership period. If you plan to keep the car for several years, condition and maintenance history may carry more weight than short-term savings. If your needs are likely to change soon, tying up a larger amount of money in the vehicle may be less appropriate.

A good used car should fit your life and remain affordable after the initial excitement of buying it has passed.

Frequently Asked Questions About Used Car Budgets

Find a Used Car That Suits Your Needs and Budget

The amount you should spend on a used car depends on what you can afford and what you need the vehicle to do. A realistic budget should account for the purchase or finance cost alongside the expense of running and maintaining the car.

At Select Vehicle Sales by CARS of Grimsby , our team will take the time to understand what you are looking for and help you consider suitable vehicles within your preferred budget.

Each vehicle is assessed individually and prepared by a team with extensive experience in accident repair and vehicle condition. You can ask questions, review the available information and take a test drive before making your decision.

View Our Current Used Cars and Vans

If you have a vehicle to sell or part exchange, request a valuation to understand how much it could contribute towards your next car.

What Does RAC Approved Dealer Status Mean?

Mon, 21 Sep 2026 11:35:45 GMT

RAC Approved Dealer status means that an independent dealership has agreed to follow standards set by the RAC covering vehicle preparation, customer service and the way used vehicles are advertised and sold.

It provides an additional level of reassurance for customers when deciding where to buy a used car. The dealer remains independently owned and operated, but its vehicles and sales processes must meet the requirements of the RAC Approved Dealer programme.

At Select Vehicle Sales by CARS of Grimsby , RAC Approved status supports the standards we have established through years of caring for and repairing vehicles. It gives customers a recognised framework against which our preparation and service can be assessed.

What Is an RAC Approved Dealer?

An RAC Approved Dealer is an independent vehicle retailer that has been accepted into the RAC Dealer Network and meets the requirements of its Approved Dealer programme.

The RAC states that Approved Dealers must prepare vehicles in accordance with its 82-point Approved Vehicle Preparation Standard. Dealers are also visited at least six times a year to check that vehicles are being prepared in line with the required standards.

Approved Dealers must follow the RAC Used Vehicle Code of Practice. This covers areas including advertising, customer service and vehicle preparation. The code has been approved through the Chartered Trading Standards Institute Consumer Codes Approval Scheme.

Customers can read more about the national RAC Approved Dealer programme .

RAC Approved status does not turn an independent dealership into an RAC-owned business. You are still buying from the local dealer named on the order and invoice.

What Does the RAC 82-Point Preparation Standard Cover?

The RAC 82-point Approved Vehicle Preparation Standard provides a consistent process for checking a used vehicle before sale. It covers important mechanical, electrical, safety and condition-related areas.

The inspection includes a road test and checks of areas such as the engine, transmission, steering, suspension, brakes, tyres, lights, instruments and electrical equipment. The vehicle’s exterior and interior are also considered as part of the preparation process.

This gives the dealer a checklist to follow. It also gives the customer a clearer basis for asking how the car has been inspected and prepared.

An inspection reflects the vehicle’s condition when it is carried out. Used vehicles contain components that wear over time, and an inspection cannot predict every fault that may develop further down the line. The accompanying warranty and breakdown cover therefore remain important parts of the overall RAC Approved package.

Further details can be found in the RAC 82-point Approved Vehicle Preparation Standard .

Does RAC Approved Status Include a Vehicle History Check?

Vehicles sold through an RAC Approved Dealer receive a vehicle history check. This is used to identify recorded information that could affect a customer’s decision to buy.

The check looks for issues including whether a vehicle has been recorded as stolen, declared an insurance write-off or offered for sale with outstanding finance.

A vehicle history check is an important source of information, although it should form part of a wider assessment. Some privately funded repairs may not appear on an insurance database. The physical condition of the vehicle, its MOT record and its service information should also be considered.

This is where the background of CARS of Grimsby provides added value. Our experience in accident repair and vehicle condition assessment helps us recognise signs of previous work that may require closer examination.

What Warranty Does an RAC Approved Used Car Include?

RAC Approved vehicles include a warranty, with the precise level of cover determined by the vehicle’s age, mileage and eligibility.

Every vehicle sold by Select Vehicle Sales by CARS of Grimsby comes with a six-month RAC Approved warranty. Customers can also choose to extend the warranty to 12, 24 or 36 months for an additional cost.

A warranty can provide support if a covered mechanical or electrical component develops a fault during the warranty period. Each warranty has its own terms, claim limits, exclusions and maintenance requirements, so customers should read the documentation supplied before agreeing to purchase.

You should ask which level of RAC warranty applies to the vehicle you are considering, what components are included and how a claim would be handled. This gives you an understanding of the cover before you drive away.

Customers can find further information on the RAC Approved Dealer benefits available through Select Vehicle Sales here .

Is RAC Breakdown Cover Included?

Every vehicle sold by Select Vehicle Sales by CARS of Grimsby comes with 12 months of complimentary RAC Breakdown cover.

Breakdown cover provides access to assistance if the vehicle develops a problem that leaves you unable to continue your journey. The precise services, geographical limits and conditions depend on the cover supplied, so buyers should check the documentation and complete any required activation.

Warranty and breakdown cover serve separate purposes. A warranty contributes towards eligible repairs under its terms. Breakdown cover provides assistance when a vehicle breaks down. Depending on the fault and the relevant terms, a customer may use one service or both.

What Additional Preparation Does Select Vehicle Sales Provide?

RAC Approved status establishes a recognised minimum preparation framework. Select Vehicle Sales by CARS of Grimsby also provides its own package with every vehicle sold.

Every vehicle comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

The full service and clean 12-month MOT are commitments made by Select Vehicle Sales. They should not be interpreted as standard benefits provided by every RAC Approved Dealer. Individual dealerships may offer different preparation packages beyond the requirements of the RAC programme.

Before one of our vehicles is advertised, its history and condition are assessed individually. Our team considers the information available about the car alongside a physical assessment informed by many years of accident repair and bodyshop experience.

You can read more about what happens before we list a used vehicle for sale .

Why IS RAC Approval Important When Buying from a Local Independent Dealer?

Many customers value the personal service available from a local independent dealership. They can visit the premises, speak directly with the team and return to the same business if they need help after purchasing the vehicle.

RAC Approved status places recognised standards around that local relationship. It provides a formal preparation process, a code governing the dealer’s conduct and regular checks of participating dealerships.

The RAC Used Vehicle Code of Practice covers how vehicles are advertised, prepared and sold. It also sets expectations around customer service and complaints. The code is approved by the Chartered Trading Standards Institute under its Consumer Codes Approval Scheme.

Approval should still be considered alongside the dealer’s wider reputation. Customer reviews, the experience of the team , the quality of the premises and the information provided about each vehicle can all help you decide where to buy.

What Does RAC Approved Status Leave for the Customer to Check?

RAC Approved status gives customers useful safeguards and information, while the decision about an individual vehicle remains personal.

Before buying, check that the car is suitable for the journeys you make, affordable to run and comfortable to drive. Ask to see the service information and review the MOT history. Confirm the warranty level and request clarification about anything you do not understand.

You should also take the vehicle for a test drive. This gives you an opportunity to assess the driving position, visibility, controls and general feel of the car.

Our guide to the questions you should ask before buying a used car is an excellent starting point.

Frequently Asked Questions About RAC Approved Dealers

Buy an RAC Approved Used Car from Select Vehicle Sales in Grimsby

RAC Approved Dealer status gives customers a recognised standard of vehicle preparation and a code covering how participating dealers should operate. It also provides warranty and breakdown support after the vehicle has been purchased.

At Select Vehicle Sales by CARS of Grimsby, this is combined with our experience in accident repair, vehicle condition assessment and customer care. Every vehicle comes with a full service, a clean 12-month MOT, a six-month RAC Approved warranty and 12 months of complimentary RAC Breakdown cover.

You are welcome to visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby, speak to our team and take a closer look at any vehicle that interests you.

View our current selection of used vehicles online , visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby, or speak to the team for further information.

If you have a vehicle to sell or part exchange, you can also r equest a free, no-obligation vehicle valuation .

Greener Bodyshop Awards Win

Mon, 14 Sep 2026 09:26:56 GMT

Team CARS takes home Silver for Sustainability at the NBRA Greener Bodyshop Awards!

What a fantastic achievement for the team at CARS of Grimsby!

We were also delighted to be named finalists in the innovation category, along with our Customer Relationship Manager, Sam, being recognised as a finalist for the customer service award. Being recognised across sustainability, innovation and customer service excellence means a huge amount to us and reflects the hard work and dedication of the entire team.

A brilliant night, a fantastic result, and even more motivation to keep pushing forward!

Are Used Cars from Accident Repair Businesses Damaged?

Fri, 04 Sep 2026 13:37:19 GMT

No. Buying a used car from a business that also carries out accident repairs does not mean the vehicle has been accident damaged.

The type of business selling a car does not determine its history. Every used vehicle has its own background, which should be researched and assessed individually. A car sold by a business that also carries out accident repairs may never have been involved in an accident. Likewise, a vehicle offered for sale by any dealership or private seller could have undergone previous repairs.

The questions that are important concern the history of the individual vehicle, its present condition and the checks completed before it is offered for sale.

At Select Vehicle Sales by CARS of Grimsby, our accident repair experience gives us a detailed understanding of vehicle repair quality. We use that knowledge when selecting and preparing used vehicles, helping customers make an informed decision about the car they are considering.

Why Might Buyers Make This Assumption?

CARS of Grimsby is primarily known as a multi-award-winning accident repair centre. When customers learn that we now sell used vehicles, some understandably wonder if the cars have previously passed through our bodyshop following an accident.

Select Vehicle Sales by CARS of Grimsby is a dedicated vehicle sales service offering carefully selected used cars and vans. Each vehicle is considered on its own merits. Its background, condition, mileage, service record and suitability for sale all form part of the assessment.

Operating an accident repair centre does not mean that the vehicles offered for sale are damaged cars or insurance write-offs. Our repair knowledge supports the way we examine vehicles before making a purchasing decision.

Can a Used Car Have Undergone Previous Repairs?

A used car may have received cosmetic or body repairs during its lifetime. This can include work to address stone chips, parking damage, dents, scratches or damage to a bumper. Previous bodywork does not always mean the vehicle was involved in a serious collision or declared an insurance write-off.

The quality and extent of the work should be taken into consideration. A properly completed cosmetic repair is very different from poorly executed structural work that could affect the vehicle’s safety, value or future performance.

Buyers should therefore avoid treating every previous repair in the same way. They should ask what was repaired, why the work was required and whether it was completed to an appropriate standard.

This is an area where accident repair experience can be especially valuable. Our team knows how vehicle panels, paint finishes and structural components should look. That knowledge helps us identify evidence of previous work and assess its significance.

What Is the Difference Between Accident Damage and an Insurance Write-Off?

The phrase “accident damaged” can cover anything from a lightly marked bumper to substantial structural damage. An insurance write-off has a more specific meaning.

A vehicle is written off when an insurer decides to pay its current market value instead of funding the repair. This can happen because a vehicle cannot be repaired safely or because the likely cost of repair makes it uneconomical for the insurer to proceed.

The current insurance write-off categories are:

Category A vehicles must be crushed and cannot be returned to the road.
Category B vehicles cannot be returned to the road, although some parts may be recovered.
Category S vehicles have sustained structural damage but can return to the road following suitable repairs.
Category N vehicles have sustained non-structural damage and can also return to the road following suitable repairs.

Read the GOV.UK guidance on insurance write-off categories for the official definitions.

A car can also have received previous accident repairs without having been written off. Some damage is repaired through an insurance claim, while other work may be paid for privately by the owner. This means an insurance database can provide useful information, although it may not contain every incident or repair from a vehicle’s past.

How Can Previous Accident Repairs Be Identified?

Vehicle history checks form an important part of the research process. They can reveal information such as recorded insurance write-offs, outstanding finance, theft records and mileage concerns.

A physical assessment can provide additional information. Signs that may indicate previous body repairs include variations in paint colour or texture, overspray, uneven panel gaps, replacement panels and evidence that fixings have been removed.

Finding evidence of a previous repair does not provide the whole answer. The person assessing the car must consider the nature of the damage, the quality of the repair and any effect on the vehicle’s structural integrity.

Years of accident repair work have trained our team to examine these details carefully. This experience helps us understand the difference between an acceptable repair and work that raises concerns.

You can learn more about what accident repair experience teaches us about buying a used car .

What Checks Are Carried Out Before a Vehicle Is Advertised?

Before a vehicle is offered through Select Vehicle Sales by CARS of Grimsby, its history and condition are assessed individually. Research tools can help establish details such as previous keepers, MOT records, mileage history, outstanding finance and recorded insurance write-off status.

The vehicle itself must also be examined. A history report cannot assess the quality of paintwork, identify every previous repair or confirm how well a vehicle has been maintained since its last recorded service.

Combining documented research with vehicle knowledge helps us build a fuller picture of the car. If the available information or the condition of a vehicle gives us cause for concern, this affects our decision about its suitability for sale.

How Does Accident Repair Experience Help When Assessing a Used Car?

A vehicle can look clean and well presented in photographs while still showing signs of poor work when examined closely. Paint finish, panel alignment, welding, sealants and replacement components can reveal important details about its past.

Our accident repair experience helps us look beyond the immediate appearance of a used car. We understand how different areas of a vehicle are constructed and the standards that should be followed when repairs are completed.

This knowledge is useful because a vehicle history check and an MOT serve different purposes. An MOT assesses whether a vehicle meets minimum road safety and environmental standards at the time of the test. It does not provide a complete report on the vehicle’s condition or document every repair completed during its lifetime.

A thorough approach should therefore consider the vehicle’s records alongside its physical condition.

What Does RAC Approved Dealer Status Mean for Buyers?

Select Vehicle Sales by CARS of Grimsby is an RAC Approved Dealer. This adds an independent preparation framework to our own experience of vehicle condition and repair standards.

Every vehicle comes with:

A full service
A clean 12-month MOT
A six-month RAC Approved warranty
Twelve months of complimentary RAC Breakdown cover

Warranty upgrades to 12, 24 or 36 months are also available. The applicable terms, level of cover and any exclusions should always be reviewed before purchase.

Customers can read more about the RAC Approved Dealer standards and benefits .

What Should You Ask a Dealer About Previous Damage?

A reputable dealer should be willing to discuss the vehicle’s known history and answer reasonable questions about its condition. Helpful questions include:

Has the vehicle ever been recorded as an insurance write-off?
Is there evidence of previous body or structural repair work?
What vehicle history checks have been completed?
What inspection and preparation has taken place?
Can I review the service and MOT information?
What warranty and aftersales support are included?

Review the official used vehicle checks recommended by GOV.UK and our guide covering questions to ask before buying a used car .

Frequently Asked Questions About Buying a Used Car from a Business That Also Carries Out Accident Repairs

View Carefully Selected Used Cars and Vans in Grimsby

Buying a used vehicle from a business that also carries out accident repairs does not mean it has been accident damaged. At Select Vehicle Sales by CARS of Grimsby, each vehicle is assessed individually using documented information and expert knowledge developed through years of vehicle repair work.

Our team will explain what we know about the vehicle, answer your questions and give you time to decide if it is right for you.

View our current selection of used vehicles online , visit us at Estate Road 8 on the South Humberside Industrial Estate in Grimsby, or speak to the team for further information.

If you have a vehicle to sell or part exchange, you can also request a free, no-obligation vehicle valuation .

Triple Recognition for CARS of Grimsby at the Greener Bodyshop Awards 2026

Thu, 20 Aug 2026 07:42:26 GMT

We’re incredibly proud to announce that CARS of Grimsby has been shortlisted in three categories at the Greener Bodyshop Awards 2026

⭐ Customer Service

�� Industry Innovation

�� Greener Bodyshop

To be recognised across customer care, innovation and sustainability means so much to our entire team. It reflects the hard work, passion and commitment that goes into delivering a first-class service while continuing to push our industry forward and reduce our environmental impact.

A huge thank you to our brilliant team, customers and partners who continue to support us - we couldn’t do it without you!

Now, fingers crossed for the awards!

Introducing Select Vehicle Sales by CARS of Grimsby

Fri, 31 Jul 2026 15:06:22 GMT

Today’s the day…an exciting new chapter has officially begun at CARS of Grimsby!

After years of helping local motorists get safely back on the road following an accident, we’re now using that experience in a new way by offering a selection of carefully chosen and prepared used cars and vans for sale.

Watch the video to hear more from owner Jason and meet our new Sales Manager, Graham. He’ll already be a familiar face to many, having spent years helping people find the right vehicle for their needs.

Our accident repair centre remains at the heart of the business, with the same experienced team continuing to provide the service our customers know and trust.

Select Vehicle Sales by CARS of Grimsby – vehicles you can trust, from people who care.

What happens before we list a used vehicle for sale?

Wed, 29 Jul 2026 12:25:36 GMT

Here at Select Vehicle Sales by CARS of Grimsby, we pride ourselves on the service received by our customers.

Each vehicle we sell meets our quality standards; each customer journey is seamless and stress-free.

Vehicle Purchase

Each vehicle we buy is researched thoroughly in advance, using our vast experience and investigative tools. Tools such as CAP HPi can confirm details such as the number of previous keepers, factory fitted options, import status and if a vehicle has ever been stolen or written off by an insurer. An MOT History Check will show annual mileage, along with any previous advisories and other valuable information.

Importantly, our vast experience in accident repair enables us to identify other damage that may not be documented on other vehicle check reports. Small differences in vehicle finish, signs of previous structural repairs and replacement panels can reveal a vehicle’s past, even when that damage does not appear on an insurance database.

Vehicle Checks

Any vehicle arriving on site is appraised immediately. We conduct checks of all exterior bodywork as well as interior condition. Our skilled team then raise the vehicle on a lift to view underneath and pick up anything that might be amiss. As discussed, our team have vast experience in identifying damage that may have otherwise been unnoticed, ensuring only the highest quality vehicles go on sale to our customers.

Once our checks are complete, we will then book the vehicle in for an MOT unless it already holds a recent MOT with no advisories. Our vehicles are given a complete service, before we undertake a thorough 84-point RAC-approved check. This documented procedure is a great way to ensure that all sale vehicles experience a vast ‘four-eye’ check.

Sale

Only once our checks are complete and we are satisfied with the quality of the vehicle will it be released for sale. Our vehicles are immaculately presented, and our sales manager is on hand to deal with any queries our customers might have about a vehicle on our forecourt.

What accident repair teaches us about buying a used car

Wed, 29 Jul 2026 12:18:57 GMT

Most people buying a used car look at the mileage, service history and overall condition. We look much deeper.

Years of repairing accident damaged vehicles has trained our eyes to spot things that many people would never notice. Subtle differences in paint finish, panel gaps, replacement panels, poor welding or signs of previous structural repairs can all reveal a vehicle's past, even when that damage has never appeared on an insurance database or history check.

That experience gives our customers an extra level of confidence. Before we offer a vehicle for sale, we use the same knowledge and attention to detail that we apply every day in our accident repair centre. If a vehicle has been repaired before, we look beyond the cosmetic appearance to assess whether the vehicle has been repaired correctly. More importantly, we examine whether its structural integrity and safety have been maintained.

A quality used car is about more than a full-service history. It’s about knowing the vehicle is mechanically sound, structurally safe and free from hidden issues that could affect its performance or the protection it offers in the event of another collision.

That is the advantage of buying from an independent, family-run business whose expertise is built on repairing vehicles to the highest standards. We know what to look for, we know what quality looks like and we know how to deliver the very best service for our customers.

Questions to ask before buying a used car

Wed, 29 Jul 2026 12:09:47 GMT

When you work with vehicles every day, you quickly learn what separates a great used car from a poor one.

Here’s five questions to ask before buying a used car:

Does the vehicle have any previous damage?
You should always check a vehicle’s damage history and ensure there were no previous repairs that could hinder the vehicle’s safety or performance down the line. Our team of trained vehicle experts can identify poor previous repairs that may not be listed on an insurance or vehicle checking database.
Has the vehicle been professionally inspected?
An MOT check won’t tell the whole story. A reputable vehicle dealer should be transparent around a vehicle’s mechanical, cosmetic and structural condition. That’s why all of our vehicles are subject to an 84-point RAC-approved checking process.
Can I see the vehicle’s history?
A quality-driven used vehicle dealer should be transparent about a vehicle’s history and maintenance. There is no such thing as a silly question, and a reputable dealer will be open and honest throughout your buying journey.
Can I take the vehicle for a test drive?
A trustworthy vehicle dealer will encourage you to drive the vehicle and ensure it’s the right for you before you make a purchase. A vehicle is a large purchase and it’s vital to make sure it’s the perfect choice.
Can I trust this dealership?
Buying a vehicle goes far beyond the forecourt. When visiting a used car dealer, make sure to do your research on their customer reviews, qualifications and experience. It’s important that you choose a dealer based on reputation, not just sales. As a family-run business with years of experience caring for vehicles, we’re proud to bring the same standard into sales.

It’s vital that you can buy with confidence. Here at Select Vehicle Sales by CARS of Grimsby, we don’t just sell vehicles, we know them inside and out. Each vehicle is carefully selected, thoroughly inspected and honestly presented, so you can drive away with confidence.

Visit us today or get in touch to find your next car.

A New Chapter Is Coming to CARS of Grimsby

Wed, 22 Jul 2026 13:52:49 GMT

For many years, CARS of Grimsby has supported motorists with trusted accident repair and vehicle care services.

As a family owned and run business, we have always believed that great service comes down to doing the job to the best of our ability, communicating honestly and treating every customer as an individual.

Those values have helped us build strong relationships with motorists, insurers and businesses, and they remain just as important to us today.

Now, we are preparing to begin an exciting new chapter.

Decades of Accident Repair Experience in Grimsby

CARS of Grimsby is best known as an established and multi-award-winning accident repair centre, helping customers get back on the road following everything from minor bumps to more significant damage.

That work has given our team a detailed and thorough understanding of vehicles and their condition.

When you spend years repairing bodywork, checking panel alignment and assessing previous damage, you learn to notice the details that may not always be obvious at first glance.

You also learn how important quality, safety and honesty are to motorists.

Our team has developed this knowledge through experience, ongoing training and working with a wide range of vehicles over many years.

It is experience we are proud of, and it will remain at the heart of the next chapter of CARS of Grimsby.

How the Needs of Motorists Are Changing

The way people approach vehicle ownership has changed.

Customers carry out far more research, ask far more questions and want better information before making important decisions about their vehicles.

They also want to deal with people they can trust.

Over the years, customers have spoken to us about more than just accident repair. People regularly ask us for advice about vehicle condition, previous repairs, maintenance and what they should look for when making decisions about their next vehicle purchase.

Those conversations have helped inform our plans for the future of the business.

We have listened carefully to what customers are asking for and considered how our skills, knowledge and experience could be used to support motorists in an additional way.

Why CARS of Grimsby Is Expanding

The next chapter for CARS of Grimsby is an expansion of what we already do really well.

It is built around our understanding of vehicles, our attention to detail and our commitment to providing a personal service to our customers.

While the business is growing, the approach behind it will remain the same. We will continue to be family owned and run, customers will still be able to speak directly with a knowledgeable member of the team, and open communication, honest advice and high standards will remain central to everything we do.

This development has been carefully planned, and we believe it represents a natural step forward for the business.

It will allow us to support customers at a different stage of their vehicle journey while continuing to provide the accident repair and vehicle care services for which we are already known.

A New Chapter for CARS of Grimsby Begins Soon

This is an important milestone for CARS of Grimsby, reflecting both our history and our future plans.

We are not sharing every detail just yet, but we are looking forward to revealing more very soon.

Follow CARS of Grimsby on social media to be among the first to hear the full announcement on 5th August.

Coffee with CARS is always a good idea!

Wed, 01 Jul 2026 08:30:00 GMT

Had an accident and not sure what happens next?

You’re not alone.

At CARS of Grimsby, our friendly team are on hand to offer honest advice and guidance throughout the insurance claims process. We’ll help you understand your options, and explain what you do (and don’t) have to do after an accident.

No pressure, just expert support from people who genuinely want to help.

Pop in for a coffee and a chat - we’re here to make a stressful situation that little bit easier.

Visit Us

Unit 25

Estate Road 8

South Humberside Industrial Estate

Grimsby

North East Lincolnshire

DN31 2TG

We also have accessible parking available on site.

MON TO FRI - 8AM TO 5PM l SAT - 8AM TO 10:00AM

CARS of Grimsby Wins Ultimate Accolade

Mon, 01 Jun 2026 11:59:00 GMT

CARS of Grimsby Wins Ultimate Accolade

In May, the team attended the Northern Lincolnshire Business Awards, organised by the Hull & Humber Chamber of Commerce. The CARS team was awarded the Forrester Boyd Business Excellence Award.

This award is not entered for, but is the ultimate accolade chosen specially by the judges, recognising excellence in the following areas:

Use of and contribution to the local supply chain
Community engagement and benefit
Long-term sustainability
Employment training and benefits
Management practices

We were also lucky to walk away with three runner up certificates, including a nomination for Jason Barker as Business Person of the Year, and Sam Morgan as Employee of the Year.

We’re extremely proud to be known for our commitment to our customers, community and future-proofing our team and infrastructure for years to come.

CARS of Grimsby receives three nominations for the Northern Lincolnshire Business Awards (NLBAs)

Fri, 01 May 2026 10:20:46 GMT

We're super excited to share that we've been nominated for three awards at the upcoming NLBAs, founded by the Hull & Humber Chamber of Commerce.

Jase has been nominated for the Wilkin Chapman Rollits Business Person of the Year Award . This award recognises leadership, personality and communication as vital in running a successful business.
CARS has been nominated for the Blueprint Document Solutions Business Growth Awar d. This award recognises businesses which have significantly grown in terms of workforce, turnover or profit, along with implementation of new products and services.
Sam has been nominated for the Grimsby Institute Employee of the Year Award , which recognises employees that go the extra mile to further their career and make an immense contribution to the business and team.

Thank you to our customers and colleagues for your ongoing support of our family business. Here's to awards night in May!

What to look out for when searching ‘Accident Repair Centres in Grimsby’

Thu, 23 Apr 2026 14:48:40 GMT

Before choosing a repair centre, it’s important that you do your research to ensure your vehicle will be returned to the road safely.

Customer service

Where a repairer is able to rely on a constant stream of work, via a contract with an insurer or work provider, they may not have to rely on customer service and reputation. Whereas a fully independent repair is reliant on word-of-mouth referrals and repeat customers. This is where you are more likely to find:

More personalised service
Direct communication with experienced team members
Clear updates throughout the repair process

Use of new and genuine parts

Here at CARS, we only use new and genuine parts to guarantee a safe and accurate repair. In contrast, some repairers may use non-genuine or second-hand parts, often with the best intentions (reducing costs). This may mean that your vehicle might not perform as expected when returned to the road, which is potentially even more dangerous if another accident occurs and could put the occupants at risk.

To protect your vehicle’s safety and resale value, we always recommend the use of new and genuine parts during repair.

Access to courtesy vehicles

Many drivers assume they’ll lose access to a courtesy vehicle if they don’t use an insurance-approved repairer or main dealer. This isn’t always the case. For example, here at CARS, we understand that many people rely heavily on their vehicles (whether that’s to get children to school or as part of employment) and as a result, we offer courtesy vehicles (manual and automatic) to our customers at no cost to them.

If access to a vehicle during repair is important to you, we always encourage checking that this an option prior to booking in for repair.

Ability to carry out modern repairs

When thinking of a repairer, you imagine an oily man in overalls with a spanner. However, we think they’re more like computers on wheels. The increase in the number of vehicles with Advanced Driver Assistance Systems (ADAS) such as emergency braking, lane departure warning and adaptive cruise control means that technicians need to have the relevant skills and experience to ensure repairs are done correctly. Now think of a smartly dressed technician, using a tablet to repair your vehicle.

A reputable repairer will invest in the latest technology to handle these repairs properly, and we encourage you to check this before choosing a repairer.

After care following repair

When you choose a reputable repairer, you’re not getting a one-off service. For example, here at CARS, we have a dedicated WhatsApp service for our customers to get in touch with any queries they might have, even after the repair is complete. In addition, we guarantee any paintwork we carry out for as long is the vehicle is owned, subject to an annual inspection.

From time to time, issues can arise. It’s worth speaking with a repairer to establish what their procedure is when something goes wrong, and if they have a complaints procedure in place. At CARS, we guarantee our repairs for the length of ownership of a vehicle.

We believe that the service of a trusted repairer goes far beyond the repairer.

Final thoughts

Searching for an accident repairer in Grimsby shouldn’t just be about locality. You should also consider the level of service offered, quality of repair and safety level of the vehicle once the repairs are complete. It’s your legal right to select a repairer of your choice, make sure you have as much information as possible before doing so!

Does car insurance cover repairs?

Thu, 23 Apr 2026 14:34:01 GMT

It’s one of the most common questions drivers ask: does car insurance actually cover the cost of repairs?

The answer isn’t always completely straightforward.

In principle, the purpose of insurance is to indemnify a person against loss. That means, if your vehicle is damaged as a result of an insured incident, the policy is designed to put you back in the position you were in before the loss, usually by covering the cost of repairs, subject to the terms, conditions, and excess of the policy.

However, cover will depend on the specific circumstances of the incident and the type of policy held, so it isn’t a blanket guarantee in every situation.

What’s usually covered:

Damage caused by road accidents (depending on fault and cover type)
Repairs after fire, theft, or attempted theft
Vandalism or malicious damage
Weather-related damage (roof tiles landing on a car)

What’s usually not covered:

General wear and tear (e.g. worn brake pads or tyres)
Mechanical or electrical breakdowns
Poor maintenance or neglect

Typically, insurance covers you for the unexpected, not general upkeep.

Understanding the different types of cover

Not all insurance policies are equal. The level of protection you have makes a big difference to whether repairs are covered.

Fully Comprehensive

This is the highest level of car insurance coverage. You are usually covered for third-party damage to another vehicle or person, as well as damage, fire or theft of your own vehicle – regardless of who is at fault. Your insurance provider may offer extra policy features for an additional cost. These include, but are not limited to, breakdown cover, windscreen cover and car key cover.

Third Party, Fire and Theft

This policy type covers you for theft of your vehicle or fire damage, as well as any damage you cause to other people and their property. This type of insurance policy will not cover any damage to your own car (unless it occurred as a result of fire or attempted theft), meaning you will have to pay for any car repairs directly.

Third Party Only

This is the minimum level of cover you can legally hold if you intend to use your vehicle on UK roads. This type of policy covers the costs of damage you cause to someone else’s vehicle or property, as well as any injuries you may cause to a third party. There is no cover for your own vehicle.

Common exclusions: When repairs aren’t covered

Even with comprehensive cover, there are situations where your insurer may refuse to pay for repairs.

Some common exclusions include:

Driving under the influence of alcohol or drugs
Using your car for purposes not declared (e.g. business use)
Unauthorised drivers behind the wheel
Failing to report an incident promptly
Invalid MOT or unroadworthy vehicle

It’s always worth checking the small print of your policy, as this is where surprises come from. If you need any help understanding the insurance policy fine print, our team are here to help.

How to make a claim for repairs

If you’re involved in an accident or have damage on your vehicle and need to make a claim, just call CARS. Alongside our experience in vehicle repair itself, we have vast knowledge of the insurance claim process and getting claims passed when they would have otherwise been refused. We will:

Provide a thorough estimate directly to your insurance company, so you don’t have to
Take over all communication with your insurance company, including providing any evidence they require, making things as stress free as possible
Order all parts once authorisation is granted
Provide a courtesy vehicle where required, regardless of whether your insurer says you’re entitled or not
Repair your vehicle to the highest standard, using new and genuine parts, and manufacturer repair methods
Keep you updated throughout

Tips to reduce unexpected costs:

Choose the right level of cover for you at outset - Comprehensive cover is more likely to save you money in the long run if repairs are needed.
Set a realistic excess - A higher excess can lower premiums, although not by much. You should also make sure the excess you select is affordable if you need to make a claim.
Vehicle maintenance – Regular servicing helps avoid issues that insurance won’t cover.
Shop around at renewal – Better prices may be available by shopping around and not auto-renewing.

Final Thoughts

Car insurance can cover repairs, in the right circumstances and with the right level of cover. Understanding what your policy includes (and excludes) is key to avoiding unexpected costs. If you’re unsure about your cover or you’ve had an accident and need to make a claim, our team are here to help you.

What to Do If Your Car Has Scratches or Dents

Thu, 23 Apr 2026 14:13:52 GMT

It’s a frustrating moment… you walk up to your car and notice a scratch along the door or a dent you’re sure wasn’t there before. Whether it’s from a tight car park, a stray trolley, or a minor bump, cosmetic damage is something most drivers will face at some point.

The good news? In most cases, scratches and dents are easier (and more affordable) to fix than you might think.

First things first: Assess the Damage

Before jumping to conclusions, take a closer look at the damage.

Light scratches may only affect the finish and can sometimes be polished out.
Deeper scratches that expose the paint or metal will need professional attention.
Small dents with no paint damage may be repairable without repainting.
Larger dents, cracked bumpers or cracked paint could indicate more extensive repair work is needed.

Understanding the severity helps you avoid unnecessary costs, and ensures the repair is done properly.

Should you fix it straight away?

It can be tempting to ignore minor cosmetic damage, especially if your car still drives perfectly fine. However, leaving scratches or dents untreated can lead to bigger issues over time.

Scratches that go through the paint can expose the metal underneath, increasing the risk of rust.

More importantly, often what looks like minor damage can be a sign of something more sinister. For example, if a dent impacts any of the vehicle’s radar sensors, this may cause the vehicle not to respond correctly in a future incident, weakening its safety.

Always seek advice from a trusted independent repairer if you’re unsure.

Where should you take your car?

Many people search for a “car garage” when they notice scratches or dents, but cosmetic damage is usually better suited to a repair specialist.

Traditional garages tend to focus on mechanical work — engines, brakes, servicing — whereas cosmetic repair specialists are equipped with the tools and techniques specifically designed for bodywork repair.

This is where SMART repairs come in.

What are SMART repairs?

SMART stands for Small to Medium Area Repair Technology. It’s a modern repair method designed to fix localised damage without the need to respray entire panels.

Instead of replacing or repainting large sections of your vehicle, a SMART repair focuses only on the damaged area. If a SMART repair is possible, there are several benefits:

Cost-effective – You’re only repairing a very small area
Quicker turnaround – Many repairs can be completed in hours, not days
High-quality finish – Colour matching and blending ensure a seamless result

When is accident repair needed?

If the damage is more severe - for example, after a collision - a more comprehensive repair may be required.

Signs you may need accident repair include:

Deep dents affecting large areas
Cracked or heavily damaged paintwork
Misaligned panels
Structural concerns
Damage to/ around a camera and/ or sensor

In these cases, a full repair process ensures your car is restored not just visually, but safely and correctly.

Choosing the right repair specialist

Not all repair services are the same, so it’s worth choosing a specialist with experience in cosmetic and accident repairs.

Look for:

Proven results and customer reviews
Expertise in SMART and accident repair techniques
Honest advice
A repairer that uses new and genuine parts
A focus on quality finishes

A good repair specialist will assess your car properly and recommend the most suitable option. Before SMART repairs are offered, the repairer should always check for hidden sensors, like radar modules. The repair technique should be chosen carefully as filler or a build-up of too much paint material in these areas will inhibit the sensors from functioning correctly.

Final thoughts

Scratches and dents are part of everyday driving, but they don’t have to be permanent. Acting quickly, choosing the right repair method, and speaking to a specialist can make all the difference.

If you’ve noticed cosmetic damage on your vehicle and aren’t sure what to do next, getting in touch with an independent repairer like CARS is a smart next step.

CARS of Grimsby Becomes Official Member of NBRA

Wed, 01 Apr 2026 08:00:03 GMT

CARS of Grimsby Becomes Official Member of NBRA

This month, we have exciting news from our family business.

We’re now official members of the National Body Repair Association (NBRA). As an independent, family-run accident repairer, quality, honesty and care have always been at the heart of what we do. Becoming part of the NBRA reflects our commitment to maintaining the highest industry standards and continuing to deliver trusted repairs for our customers.

CARS of Grimsby’s Ongoing Commitment to Sustainability

Mon, 02 Mar 2026 15:01:05 GMT

August 2025 marked a major milestone for CARS of Grimsby Independent Accident Repair Centre as we officially moved into our new premises following a full refurbishment.

The new building isn’t just about extra space or a fresh look (although we’re very proud of both). It represents a chance to reflect on who we are, what we stand for, and how we can do better – for our customers and the world around us.

The vehicle repair industry isn’t inherently eco-friendly. From energy use to materials and processes, it’s a sector that comes with unavoidable environmental challenges. But at CARS of Grimsby, sustainability is a core part of our ethos. Our “green journey” is about making meaningful changes where we can, even if those changes are incremental. Every improvement matters.

As part of our refurbishment, we’ve taken a significant step forward by installing solar panels on the roof of our new building . This investment allows us to generate a portion of our own renewable energy, reducing our reliance on the grid and lowering our overall carbon footprint.

It’s a practical, long-term commitment, and one that aligns with our belief that responsible business means thinking beyond today and planning for tomorrow.

A big thank you to RSUK Group, who have been efficient and professional throughout the project.

CARS of Grimsby Accident Repair Centre surpasses 350 five-star Google reviews

Mon, 02 Feb 2026 10:00:02 GMT

We are proud to announce that our Lincolnshire-based accident repair centre has now surpassed 350 five-star Google reviews, reflecting our commitment to high-quality vehicle repairs and outstanding customer care.

This milestone highlights the trust our customers place in us when they need a reliable, stress-free accident repair service following a collision or insurance claim.

We provide solutions, as well as repairs - Many of our reviews mention how we help take the stress away after a car accident. Our team specialises in managing the entire accident repair process, offering clear guidance, honest advice, and practical support from the moment a customer contacts us.
Supporting customers with insurance claims - As an independent accident repair centre in the UK, we work for the vehicle owner, not the insurer. We help protect our customers’ rights, challenge unfair decisions, and ensure repairs are carried out correctly, safely, and to a high standard.
Clear communication throughout the repair process - Customers frequently praise our clear and regular communication. From initial assessment through to repair completion, customers are kept informed of their vehicle’s progress at every stage.
High-quality vehicle accident repairs - Our reputation is built on high-quality accident repairs and attention to detail. Every vehicle is repaired using correct repair methods and materials, ensuring safety, reliability, and an excellent finish.
Aftercare that continues beyond the repair bay - Our service doesn’t end when the vehicle is returned. Customers often highlight our thoughtful aftercare, including advice and ongoing support

Thank you to all of our customers!

Courtesy Cars at CARS – Grimsby’s Independent Accident Repair Centre

Fri, 30 Jan 2026 10:23:13 GMT

After an accident, the last thing you need is more worry. Between dealing with insurers, arranging repairs, and trying to keep life moving as normal, it can all feel overwhelming.

One of the biggest concerns we hear from customers is: “Will I be left without a car if I don’t use my insurer’s approved repairer?”

Let’s clear up a very common myth – that you won’t get a courtesy car if you choose an independent repairer.

This simply isn’t true.

At CARS of Grimsby, we understand how important your vehicle is to your daily routine… getting to work, doing the school run, or just staying independent. That’s why we make courtesy cars a priority for our customers, not an optional extra buried in insurance small print. In contrast, when your insurer insists on using a ‘preferred’ or ‘approved’ repairer, a courtesy car is only provided if your policy specifically includes courtesy car cover. If it doesn’t, you may find yourself without transport for days or even weeks while repairs are completed. This can come as an unpleasant surprise at an already stressful time.

Independent accident repair centres like CARS of Grimsby take a more customer-focused approach. In most cases, we provide a courtesy car regardless of your insurance policy wording. We believe staying mobile shouldn’t depend on technicalities or policy add-ons.

Our aim is simple:

Reduce disruption to your daily life
Take pressure off you after an accident
Make the repair process as smooth and straightforward as possible
Put the customer needs first

Choosing an independent repairer often means:

More personal, friendly service
Greater flexibility around repairs and timelines
A courtesy car when you need it most
Fewer restrictions driven by insurance contracts

You have the right to choose where your vehicle is repaired. At CARS of Grimsby, we’re here to support you through the entire repair journey, keep you moving with a courtesy car, and take the stress out of an already difficult situation. If you ever need advice after an accident, we’re always happy to help. No pressure, just honest guidance and dependable service.

Insurance Policy Support from CARS – Grimsby’s Independent Accident Repair Centre

Fri, 30 Jan 2026 10:23:08 GMT

After an accident, most drivers focus on getting their car repaired as quickly as possible.

What many people don’t realise, however, is that how your car is repaired (and what parts are used) can vary significantly depending on your insurance policy and the repairer you choose. This is one of the areas where being informed, and choosing an independent repairer, can make a real difference to the long-term safety, reliability, and value of your vehicle.

What your insurer does (or doesn’t) tell you

When taking out car insurance, it’s easy to concentrate on price and excess levels. One detail that often gets overlooked is the type of parts your insurer allows to be used during repairs.

Some insurance policies permit approved repairers to fit:

Recycled or second-hand parts
Refurbished components
Non-genuine or non-manufacturer parts

From an insurer’s perspective, this can be a cost-saving measure. While these parts may meet minimum requirements, they are not always the best choice for your vehicle’s long-term condition, performance, or resale value. Modern vehicles are designed with precise tolerances, advanced safety systems, and manufacturer-tested components. Using parts that don’t meet original specifications could lead to reduced durability over time, reduced safety and/ or complications if the vehicle is sold in the future.

The difference with an independent repairer

Independent accident repair centres typically take an alternative, customer-first approach. Usually, the focus is not on hitting insurer cost targets, but on carrying out repairs that are safe, durable, and built to last.

At CARS of Grimsby, we believe your vehicle deserves the same standard of care we’d expect for our own. That’s why we do not use second-hand or non-genuine parts in our repairs. Our stance is simple and driven by accountability. We offer a lifetime guarantee on our repairs, and that means we must have complete confidence in every part and repair method we use.

We independently repair all vehicles with longevity, safety, and integrity in mind. This isn’t about short-term fixes or ticking boxes for an insurer. It’s about making sure your vehicle is returned to you in a condition you can trust – today, next year, and for as long as you own it.

In summary, choosing an independent accident repair centre, like CARS, gives you:

Confidence in the quality of parts used
High standards of workmanship
Repairs designed to last, not just pass inspection
Protection for your vehicle’s safety and value

When it comes to your car, your safety, and your long-term investment, quality always matters. And we’re here to make sure you get exactly that, with consistent support, honest guidance, and independent repairs you can rely on.

Know your rights after a non-fault accident with the help of CARS – Grimsby’s Independent Accident Repair Centre

Fri, 30 Jan 2026 10:23:00 GMT

Being involved in an accident that wasn’t your fault is something nobody plans for. Even when you’ve done nothing wrong, the situation can quickly become stressful - damaged vehicles, unexpected phone calls, insurance paperwork, and the worry of being without your car. At a time like this, choosing the right repair centre can make all the difference.

Choosing an independent accident repair centre means you don’t have to handle the claim alone.

Independent accident repair centres, like CARS of Grimsby, deal with insurance claims every single day. We understand how confusing and time-consuming the process can feel, especially when you’re already juggling work, family, and everyday commitments.

If a third party is at fault, we can liaise directly with their insurance company on your behalf. This means:

No chasing insurers for updates
No endless phone calls or confusing forms
No pressure to accept solutions that don’t suit you

We manage the process from start to finish, keeping you informed and supported at every stage, so you can get on with your life while we take care of the details.

Managing a non-fault claim outside your own insurance policy often comes with significant benefits that many drivers aren’t made aware of:

No excess to pay – because you’re not claiming on your own policy
Your no claims discount stays protected
Greater control over how your vehicle is repaired
Less risk of your car being written off unnecessarily

Your car is more than just transport, it’s a valuable asset you rely on every day. That’s why you should choose an independent repair centre that repairs vehicles using:

High-quality, manufacturer-approved parts
Approved repair methods and specifications
Skilled technicians focused on safety and longevity

One of the biggest advantages of choosing an independent repairer is the level of care and communication you receive. You’re not just a claim number, you’re a customer who deserves clear explanations, independent advice, and practical solutions.

Can a SMART repair increase the value of my car?

Fri, 16 Jan 2026 09:38:42 GMT

Whether you're selling your car privately, part-exchanging it at a dealership, or preparing to return a lease vehicle, the way your car looks plays a huge role in how much it’s worth.

Even minor cosmetic damage such as scratches, scuffs or kerbed alloys can knock hundreds of pounds off the value… and give buyers a reason to negotiate the price down.

That’s where SMART repair can play an integral part!

A SMART repair is a fast, cost-effective way to tidy up your vehicle’s appearance and make it look fresh, clean and well cared for. In this blog, we’ll explain exactly how SMART repairs can help you increase your resale value and why so many vehicle owners choose these repairs.

Here are a few ways SMART repairs can increase the resale value of your vehicle:

Removing small imperfections and removing room for negotiation - Most buyers will walk around the car and point out every scratch, dent and scuff. SMART repairs remove these negotiation points and allow you to stand firm on your asking price.
Restoring a well-maintained look – First impressions matter. Fixing cosmetic damage makes your vehicle appear newer, more well-cared for and more reliable. This builds confidence and helps your vehicle stand out.
Avoiding additional charges – If your vehicle is on a finance deal, you may be liable for charges as a result of alloy wheel damage, scratches and dents upon returning the vehicle. SMART repairs fix these issues quickly and affordably, usually for far less than the leasing company’s charges.

Why choose a professional repair centre like CARS for SMART repairs?

Although some SMART repairs can be done by mobile operators, choosing an established accident repair centre offers major benefits. Here at CARS, we have widely experienced technicians, high-quality paint materials and colour matching technologies, controlled workshop conditions producing long-lasting results.

The Top 5 Most Common Car Blemishes – and how SMART repairs fix them

Fri, 16 Jan 2026 09:38:40 GMT

Even the most careful drivers pick up small bits of cosmetic damage over time, whether it’s a scuff in a supermarket car park, a kerbed alloy on a tight corner, or a stone chip from the motorway.

These small blemishes might not always affect the way your vehicle drives, but they do affect how it looks and its value.

That’s where SMART repairs (Small-to-Medium Area Repair Technologies) come in. They’re fast, cost-effective, and perfect for tidying up minor cosmetic damage without needing a full body shop repair.

Here are the top 5 most common car blemishes we see… and how SMART repair techniques can fix them safely and efficiently.

1. Bumper Scuffs & Scratches

Plastic bumpers take the brunt of everyday knocks and scrapes, especially in tight car parks or narrow streets. The most common signs of bumper damage we see are scuffs and paint transfer, light scratches, small dents or grazing.

✔ How SMART repairs fix this

Using localised sanding, colour-matched paint, and expert techniques, we repair only the damaged area — not the whole bumper. The result blends seamlessly with the original finish, often within just a few hours.

2. Minor Paint Scratches

Whether caused by keys, bushes, handbags, or accidental contact, paint scratches are one of the most frequent issues we see.

✔ How SMART repairs fix this

We carefully assess the depth of the scratch. Surface marks can usually be polished out, while deeper scratches are machine-sanded, colour-matched, painted and blended back to a factory-quality finish. There is usually no need for a full respray, although we always advise our customers on when we think this could be a better option for their vehicle.

3. Alloy Wheel Damage

Damage to alloy wheels is extremely common, especially with modern low-profile tyres, making wheels more exposed. The most typical wheel damage we see includes scuffs, scraped edges, light gouges and small chips.

✔ How SMART repairs fix this

We repair the damaged area and repaint in your alloy’s original colour. The result restores a clean, sharp, like-new appearance without replacing the wheel.

4. Small Dents

These are perhaps the most common blemish we see, usually caused by car park door dings, shopping trolley impacts, low-speed bumps or minor knocks.

✔ How SMART repairs fix this

Paintless Dent Removal (PDR) is used to gently massage the dent out from behind the panel. No paint, no filler, just your original metalwork restored. It’s quick, cost-effective, and leaves no trace of damage.

5. Stone Chips

Driving around the country roads across Lincolnshire often means dealing with loose road debris. Stone chips on the bonnet, bumper, and wings are incredibly common.

✔ How SMART repairs fix this

We fill each chip with colour-matched paint, smooth the repaired area, and polish it to blend with the surrounding surface. Whilst this is a great option to give the panel some protection from the elements, with most modern colours, painting would be required to produce an invisible repair.

Why choose a professional repair centre like CARS for SMART repairs?

Although some SMART repairs can be carried out by mobile operators, choosing an established accident repair centre offers major benefits. One of the biggest benefits is that the vehicle will be repaired indoors, in a controlled, damp, and dust-free environment.

Why should I use an independent repairer for my SMART repair?

Fri, 16 Jan 2026 09:38:38 GMT

SMART repairs (Small-to-Medium Area Repair Technologies) are an incredibly popular way to fix minor cosmetic damage quickly and cost-effectively. However, not all SMART repairs are equal.

While mobile technicians may offer quick fixes, choosing a trusted, established repair centre ensures that your vehicle receives the highest level of care, precision, and professional finish.

Here’s why more drivers are choosing reputable accident repair centres like CARS for their SMART repair needs:

A trusted reputation for quality - As a long-established accident repair centre, we always work to the highest standard. This includes technical preparation, professional painting and blending, high-quality materials and long-lasting finishes. Our SMART repairs don’t just look great, they stay great.
Expert colour matching – We have relationships with top-grade paint suppliers and use high-quality, precise paint-mixing technology. This ensures an excellent colour match and impeccable finish.
Controlled environments produce a better finish – Professional workshops give technicians the conditions required to achieve the best results. This includes consistent lighting, dust-free space, specialist tools, drying equipment and temperature-controlled spray booths where needed. This level of control means fewer imperfections, no contamination, and a much longer-lasting repair. This differs from mobile repairs performed outdoors which can be affected by wind, dust, rain, insects, inconsistent temperatures and the most important one of all, moisture. Prior to application of the protective finish, the base coat will absorb any moisture present in the atmosphere.
Repairs you can trust – Choosing a reputable repair centre provides peace of mind. Technicians should be experienced, skilled in both SMART and traditional repairs, able to identify suitable repair methods and honest in their advice. A less experienced repairer may attempt SMART repairs on damage that actually needs something more substantial to prioritise safety.
Professional SMART repairs can boost resale value - A properly restored finish is a major advantage when selling or part-exchanging your car. In contrast, poor-quality SMART repairs can reduce value. Potential buyers will pick up on things like uneven paint, mismatched colours and poorly blended repairs. A trusted repair centre like CARS gives your vehicle that ‘factory fresh’ appearance that improves buyer confidence and maximises value.

In summary, choosing a trustworthy, reliable and independent SMART repairer is more likely to result in a better finish, longer-lasting repairs, better professional standards and ultimately, technicians who care about your vehicle as much as you do. SMART repairs can be a brilliant solution — but they need to be carried out properly to look their best.

SMART Repairs Return for the New Year

Fri, 16 Jan 2026 09:32:17 GMT

As we welcome the new year, many of us are thinking about fresh starts. For your vehicle, that can mean finally dealing with the small knocks and cosmetic damage that have built up over time.

This January, we are pleased to announce the return of our SMART repair service. SMART repairs are designed to tackle minor cosmetic damage quickly and efficiently. This includes small scuffs, scratches, bumper damage, minimal wheel damage and minor paintwork issues. The result is a professional finish, with less downtime for your vehicle.

Reintroducing SMART repairs allows us to offer our customers a practical solution for everyday damage, whether it’s post-winter wear and tear or something you’ve been meaning to fix for a while.

We’re also here to provide reliable and fair advice around when we believe a traditional body shop repair is the best option for both you and your vehicle, in terms of quality, safety and cost.

For more information or to discuss whether SMART repair is right for your vehicle, get in touch with our team.

Did you know that Sam has an HGV Class 2 licence?

Tue, 02 Dec 2025 17:09:16 GMT

At CARS, we’re always looking for ways to enhance our services with advanced solutions for our customers.

That’s why we offer our HGV collection and delivery service to local haulage and transport companies. We understand that for many of these organisations, time spent off the roads results in a loss in revenue. As such, this addition to our streamlined process significantly reduces downtime for fleet operators and helps ensure a faster turnaround for essential commercial vehicles.

Businesses responsible for managing HGV fleets are encouraged to make use of the service – let us help you!

Sam can be contacted on 01472 453622 or via email at enquiries@cars-grimsby.co.uk .

Volkswagen Training Pass - Callum

Mon, 03 Nov 2025 09:30:02 GMT

We would like to extend a huge well done to Callum for achieving his Technical Paint Training with the Volkswagen Group.

As part of the Volkswagen Group, our technicians are on training pathways to perfect their skills. This group approval covers six brands: Volkswagen, Volkswagen Commercial, Audi, SEAT, SKODA and CUPRA.

Each team member is proud to engage in training to ensure we can continue to provide the best service for our customers!

Keep up the fab work Callum!

Open Event Recap

Wed, 01 Oct 2025 08:30:25 GMT

We would like to say an immense thank you to everyone that joined us for our Grand Opening Event on Saturday 30th August.

Since getting the keys to our new premises in mid-May, the team have been working non-stop on the building to get it CARS-ready! It was amazing for us to be able to celebrate such an immense milestone with family, friends, customers, colleagues and suppliers.

Our new premises enables us to continue providing high-quality repairs, alongside tailored and trusted customer service. Our commitment to training, development and advances in equipment means we are able to carry out repairs to many vehicle types, including cars, vans, motorhomes and Heavy Goods Vehicles (HGVs).

As a reminder, our new address is:

Unit 25

Estate Road 8

South Humberside Industrial Estate

Grimsby

DN31 2TG

If you’ve been involved in an accident or have damage on your vehicle, don’t hesitate to get in touch with our friendly team.

Paul M VWG Pass Article & Certificate

Wed, 03 Sep 2025 12:09:40 GMT

We would like to extend a huge well done to Paul for achieving his High Voltage Technician qualification with the Volkswagen Group.

As part of the Volkswagen Group, our technicians are each on training pathways to perfect their skills. This group approval covers six brands: Volkswagen, Volkswagen Commercial, Audi, SEAT, SKODA and CUPRA.

Paul embraces all training offered to him, ensuring we continue to expand the services we offer to our customers. Brilliant work Paul!

Open Event Article & Open Event Invitation

Wed, 03 Sep 2025 12:09:38 GMT

We have some exciting news to share!

We recently achieved our biggest milestone so far, and received the keys to our new premises on the South Humberside Industrial Estate, previously owned by Pattesons Glass.

We remain operational in our current building at present, but would like to take this opportunity to invite you to the Grand Opening of our new premises, taking place on Saturday 30th August between 1pm and 4pm.

As an independent, family-run business, this is an immense milestone for us, and we would love to celebrate with you. As always, we are family-friendly, so please don’t hesitate to bring your little ones!

Our opening event will include canapés, drinks and a raffle, with the proceeds being split between Growing Healthy Minds and East Marsh United. Any raffle prize donations will be greatly received, and further information around these initiatives can be found in the attached PDF.

If you are able to celebrate this special event with the team, please confirm your attendance to ebony@cars-grimsby.co.uk at your earliest convenience.

We look forward to hearing from you!

What is young driver excess?

Thu, 13 Feb 2025 08:49:04 GMT

For many young drivers, the cost of car insurance is extremely steep to begin with. This is because insurers view young and new drivers as a risk given their lack of experience, meaning that the potential for a claim being made is quite high.

As a result, in addition to the standard compulsory and voluntary excesses, a young driver excess may be applicable to these policies. This is dependent on age and will vary from insurer to insurer, however most policies tend to have this excess applied until they are over age 25.

It is important to remember when purchasing vehicle insurance that selecting a higher excess amount will result in lower premiums (and vice versa). Whilst this may be tempting to do, we encourage our customers to always select an excess amount that they can afford to pay, should the worst happen.

If you’ve had an accident, we always encourage calling CARS before your insurance company to ensure you receive credible and non-biased advice, tailored to your circumstances. Get in touch with our team on 01472 453622 for further information.

Visit our blog ‘ Common car insurance myths ’ to find out more.

What is protected no-claims discount?

Tue, 14 Jan 2025 15:03:07 GMT

Many insurance companies use no-claims discount (NCD) to reward their drivers for not making a claim during a specified timeframe, usually a policy year. This, in turn, encourages sensible driving behaviour.

For example, if four years pass by without a customer making a claim on their policy, they will have earned four years’ worth of no-claims discount. This discount usually results in a reduction in premium costs upon policy renewal. The discount will depend on the insurance company’s specific terms and the number of consecutive claim-free years. In some cases, there may be a maximum limit to the number of years of NCD that can be accumulated, and this should be checked with insurance companies on a case-by-case basis.

Protected no-claims discount differs from standard no-claims discount in the way that an insurer may allow for more than one claim to be made before the discount is lost or reduced. A fee may be payable for this added layer of protection, commonly in the form of slightly higher premiums.

We always encourage our customers to opt for the highest level of protection when it comes to their NCD. This will ensure that they have a greater level of cover if the worst happens.

Always remember that if you’ve been involved in an accident that wasn’t your fault, we have a method here at CARS which enables us to repair your car without impacting your NCD, even if it’s not protected. We also have various excess support options available to our customers. Call us on 01472 453622 for further information.

Visit our blogs ‘ How do I choose the right insurance company for me? ’ and ‘ I’ve had an accident; do I have to pay my excess? ’ for further information.

What is a non-approved repairer excess?

Wed, 11 Dec 2024 14:23:41 GMT

A non-approved repairer excess is an additional sum that will be charged in the event that you do not use one of your insurer’s approved (preferred) garages when you make a claim. The non-approved repairer excess is commonly in the region of £250, and is charged on top of the compulsory and voluntary excess.

Unfortunately, this additional excess is becoming more common and it’s increasingly difficult to find a policy without one. However, it’s important to remember that it is your right to take your vehicle to any repairer of your choice. Sometimes, a phone call with your insurer is enough for the additional excess to be removed but in more stubborn cases where your insurer is not willing to negotiate, we offer various excess support options to our customers to reduce the total amount payable.

We feel that this is unfair, given that in most cases approved/preferred repairers are allowed to fit second-hand or non-genuine parts. In comparison, here at CARS, we only use new and genuine parts. Additionally, we have an excess support package available to our customers, where the non-approved repairer excess may not be payable. If you need to make an insurance claim for accident repairs , don’t hesitate to get in touch with us to see how we can help you.

Things to look out for in your car insurance policy fine print

Mon, 04 Nov 2024 09:33:39 GMT

Although we deal with car insurance claims and repairs on a daily basis, we understand that purchasing car insurance can be bewildering and stressful at the best of times. For a start, there are many myths around consumer entitlement. To make matters worse, it can be hard to tell if the policy you’re purchasing is appropriate for your circumstances in the first place. In this blog, we highlight some of the things you should look out for when purchasing car insurance, especially in the fine print!

The use of second-hand and/ or non-genuine parts – Unfortunately, it’s becoming more and more common for insurers to grant their preferred repairs the use of second-hand and/or non-genuine parts to carry out a repair. Essentially, this means that if you take your vehicle to one of your insurer’s preferred repairers, your car may not be repaired with new or genuine parts. This is to keep costs down for insurers but may compromise repair quality and the safety of the vehicle being returned to the road. As an independent repair centre, we always use new and genuine parts to repair our vehicles. We can guarantee the use of new and genuine parts because we are not bound by the contract you have with your insurer.

Change of Circumstances – Some insurers state that any change of circumstance must be reported to them during the policy term, and not just at renewal. This may include (but is not limited to), change of address, change of occupation or any driving convictions. Different insurers have different requirements around this, so it’s always worth checking your policy fine print. In the event of a claim, your insurer may not pay out in full if you fail to disclose information which would have altered the purchase price of the policy.

Personal vs Business Use – Some insurers have strict requirements when it comes to vehicles being used for any kind of business activity. For example, if you use your vehicle for parcel deliveries, or carrying passengers for a fee, this must be disclosed to your insurer. Disclosing inaccurate information to your insurer could result in an insurer denying a claim or cancelling your policy.

Young Driver Excess – Many insurers now apply a young driver excess to their policies. This means that if you’re under a specified age, usually 25, and you make a claim on your policy, you could be paying an extremely high excess amount. If you’re a young driver, this is something you should look out for when purchasing car insurance. Remember to always select an excess amount that you can afford to pay, should the worst happen.

Here at CARS, alongside carrying out top-quality repairs, we provide credible and non-biased advice, tailored to our customers’ individual circumstances. Visit our advice centre, in particular the blogs ‘ How do I choose the right insurance company for me? ’ and ‘ What happens if I make a claim on my car insurance? ’ to find out more.

What is car insurance fronting?

Mon, 04 Nov 2024 09:33:34 GMT

With the ever-increasing cost of living, we’re all on the hunt for ways to save money wherever we can.

Car insurance costs have been on the rise for some time, especially for 17- to 24-year-olds. To ease these costs, it’s not uncommon for young drivers to add an older and more experienced driver, such as a parent or carer, to the policy.

Listing the parent or carer on the policy as the main driver when they are not, is known as fronting and is illegal. Car insurance fronting is a type of insurance fraud and could result in a penalty such as points on your license, a fine or a driving ban.

Unfortunately, fronting isn’t always detected by insurance companies. One of the main ways it could be discovered is when a claim is made, and an insurer identifies that the main driver has been disclosed incorrectly. This could result in them refusing to pay out for the claim, or they may even cancel the policy in full.

You should always ensure that any information you disclose to an insurance company is correct. If you are a young driver and you’re looking at ways to lower your insurance costs, our blogs ‘ How can I reduce the cost of my car insurance as a young driver? ’ and ‘ What is black box car insurance? ’ may be useful for you. Don’t hesitate to get in touch with us for further advice.

What is traffic sign recognition?

Tue, 01 Oct 2024 11:13:58 GMT

Traffic sign recognition systems use camera technology to scan the road ahead for traffic signs.

This then connects to image processing and recognition software which makes a note of any changes and potential obstructions, before relaying a signal to the vehicle’s interior control panel or dashboard.

Whilst not a necessity, this is extremely useful when travelling in an unfamiliar area, or where you are unaware of the speed limit. Like other ADAS components, traffic sign recognition is not a replacement for human due diligence and attention.

What is blind spot detection?

Tue, 01 Oct 2024 11:13:47 GMT

Changing lanes when driving is the cause of many incidents, especially when travelling at high speeds. Even after checking your internal and external mirrors, it is still possible to miss a vehicle in your blind spot.

Blind spot detection is a type of advanced driver assistance system (ADAS), which typically operates via sensors located on a vehicle’s wing mirrors and bumpers. These sensors can detect if an obstruction such as a person or vehicle enters your blind spot, and will create a warning, such as flashing lights, steering wheel haptics or an audio alert.

In some vehicles, the warning will become louder and/or more obvious the closer the vehicle moves towards the obstruction. If the driver attempts a dangerous manoeuvre, some vehicles use automatic emergency steering and can even apply the brakes when needed, which is known as blind spot assist.

Should I admit liability after an accident?

Mon, 02 Sep 2024 10:00:01 GMT

Should I admit liability after an accident?

When customers phone us after an accident, we always tell them never to admit liability in the first instance. Whilst you can try and predict how you’ll react after an accident, you’ll never really know for sure until it happens. It’s an extremely stress-provoking and emotional experience, so we always recommend taking as much information as possible from the scene and phoning CARS to find out what to do next.

After the accident occurs, we recommend gathering the following information:

Personal details and insurance policy information for all parties involved
Personal details of any witnesses
Details of all vehicles involved, including registration, make and model
Date and time of the incident
Images/ videos of all vehicles involved, with close ups of all damage where possible
Images/ videos of any road markings
Dash cam footage, where available
A note of the weather conditions at the time of incident

As above, we always recommend contacting CARS before your insurance company. This can help you to avoid any pitfalls, and ensure you receive accurate and non-biased advice, tailored to your individual circumstances.

Remember, don’t apologise or admit responsibility for anything that has occurred until you are completely aware of what happened. This will protect you if the accident wasn’t your fault, and liability will be determined fairly via evidence provided.

If you want to discuss an accident you’ve been involved in, regardless of whether you were at fault, don’t hesitate to get in touch with us today.

Can my car be repaired with second-hand parts?

Mon, 02 Sep 2024 09:45:14 GMT

Can my car be repaired with second-hand parts?

Whilst it may be tempting to repair a vehicle with second-hand parts to keep costs low, it is more important that the vehicle returns to the road in the way that the manufacturer intended when the vehicle was initially produced.

When taking out an insurance policy, all vehicles are allocated to an insurance group. This allocation is based on the estimated cost to repair the vehicle using new and genuine parts. As such, when making an insurance claim, if your insurer refers you to one of their preferred (approved) repairers, you should double check that they will only be using new and genuine parts.

Unfortunately, many insurers give their preferred repairers the authority to repair vehicles with second-hand or non-genuine parts to keep costs low. You should remember that you don’t have to take your vehicle to one of your insurer’s approved repairers, you can take your vehicle to a repair centre of your choice. When selecting a repairer, you should always check that they repair vehicles with new and genuine parts, and in line with manufacturer repair methods.

Read our blogs ‘ Do I have to take my car to one of my insurer’s approved repairers? ’ and ‘ How do I find a trustworthy and reliable accident repair centre? ’ to find out more.

At CARS, we only use new and genuine parts during repairs. When a vehicle is manufactured, it goes through rigorous safety checks and testing to establish its safety rating. As such, only using new and genuine parts, specific to that vehicle’s make a model, will ensure it maintains this safety rating and respond accordingly if involved in any future incidents.

Ultimately, the use of non-original equipment could impair the quality of repair and the safety of the vehicle. The aim of any high-quality vehicle body repair centre should be to reinstate the vehicle to the standard in which it left the factory.

Does the value of my car impact the cost of my car insurance policy?

Mon, 02 Sep 2024 09:30:00 GMT

Does the value of my car impact the cost of my car insurance?

The value of your vehicle will be considered by your insurer when your policy is being underwritten.

When determining the price of your insurance, your vehicle will be allocated to an insurance group. This grouping is determined by the estimated cost of repairing the vehicle using new and genuine parts and therefore the underlying value of the vehicle itself. For example, newer and more modern vehicles have increased technological advancements which means that the vehicle value and the subsequent cost of parts and repairs has increased substantially in recent years. This is likely to increase the cost of insurance premiums on the whole.

Your insurer will also consider a number of other factors when calculating the cost of your insurance premiums:

Driver age and experience
Level of cover required
Address
Occupation
Driver history
No-claims discount

In summary, the cost is based on risk to the insurer and the anticipated cost of repairing the vehicle. Further information can be found in our blog ‘ How are car insurance premiums calculated? ’.

What happens if my car fails its MOT?

Wed, 28 Aug 2024 09:18:39 GMT

What happens if my car fails its MOT?

An MOT involves several checks on your vehicle from safety components such as seatbelts, to mirrors, lights, and the braking and fuel systems. A standard MOT test usually takes between 45 to 60 minutes for a technician to complete.

You can drive your vehicle away as long as:

Your current MOT certificate is still valid.
No ‘dangerous’ problems were listed in the MOT.

Otherwise, you’ll need to get the vehicle repaired before you can drive.

Once these repairs are carried out, you will need to book a retest.

Advisories may also be found during an MOT, and whilst these may not result in a fail, they should be dealt with as soon as possible to ensure the vehicle remains safe and roadworthy.

We have established that some of the most common reasons for MOT failure are as follows:

Lighting and signalling issues
Damage to the windscreen and/ or wipers
Brake faults
Issues with the exhaust system
Insufficient tyre depth

You can visit our blog ‘ Common reasons for MOT failure ’ to find out more.

Evidence to take from the scene of an accident

Mon, 12 Aug 2024 12:13:51 GMT

Following an accident, you may need to make an insurance claim and/or determine liability. There are a few things you can do at the scene of the accident to make this process easier.

Vehicle information – Make sure to note the registration, make and model of all vehicles involved.
Driver and witness information – You should take the details of any drivers and witnesses. Impartial witness statements will be extremely helpful when it comes to confirming who was at fault for causing the collision. If the driver(s) is not the registered owner of the vehicle involved, we recommend also taking the details of the owner where possible.
Insurance information – At the very least, we recommend taking the insurance provider and policy number for all drivers/ vehicles involved. If any parties involved do not have valid insurance, this should be reported to the police.
Accident information – You should note the exact date and time of the accident, along with the road and weather conditions. Weather conditions will be a major point for an insurer when it comes to determining fault.
Images and videos – Photo and video evidence could be extremely helpful when it comes to determining liability of the accident. You should take images and videos of the damage to any vehicles involved, as long as it is safe to do so. Taking photos and videos of the surrounding environment, such as traffic and road markings is also important. If you have valid dash cam footage, it may be worth providing this to your insurer as well.

If you’ve been involved in an accident, we recommend calling CARS before your insurance company, to ensure you receive credible and non-biased advice.

What is GAP insurance?

Mon, 12 Aug 2024 12:03:38 GMT

Guaranteed Asset Protection (GAP) is an insurance type which provides financial cover for the depreciation in a vehicle’s value and is usually purchased alongside new vehicles.

In the event of a ‘total loss’ claim or ‘write off’, an insurer will usually agree to pay out the market value of the vehicle at that time. This often leaves motorists at a disadvantage, given that new cars can drop in value quite quickly. GAP insurance therefore covers the difference between the pay-out received from the insurance company and the amount that would be required to purchase an equivalent vehicle.

GAP insurance won’t directly replace a vehicle or pay out a vehicle’s value in full, as it is intended to be used alongside regular car insurance.

There are multiple types of GAP insurance, and insurers will likely apply their own policy terms and exclusions when providing the cover. As a result, we would always advise using a local and reputable insurance broker to purchase the insurance policy, to ensure it meets your individual circumstances.

Parts: Repair or Replace?

Fri, 09 Aug 2024 11:57:22 GMT

We understand that due to inflation, people are trying to reduce costs where possible. One unforeseen cost that may arise could be when something goes wrong with your vehicle that requires immediate attention.

Whilst it can be tempting to put cost at the forefront of the repair, what really matters is safety. In some instances, it may be perfectly safe to repair a damaged panel on your vehicle; however, where safety could be compromised, we always recommend replacing vehicle components.

For example, repairers are experiencing increased challenges when it comes to the use of different types of metals in vehicle manufacturing. Some vehicle panels are made of metals containing alloy, which is an extremely brittle metal that is likely to become weak upon impact and/ or manipulation during the repair process. As a result, to prioritise safety, it is often necessary to replace these panels rather than repair them.

If replacement is deemed a suitable option, there are still other factors to consider. For example, when replacing a panel with a high alloy content, the use of incorrect welding equipment can also make this metal extremely brittle, resulting in potential vulnerability if the vehicle were to be involved in another incident in the future.

As a result, whilst making the decision to repair or replace individual parts is vital when deciding on the safest method of vehicle repair, it is also important that the vehicle is repaired by an experienced, skilled technician, in conjunction with manufacturer repair methods, to ensure the vehicle is returned to a safe and road-worthy condition.

This should be considered when initially selecting a repair centre. Visit our blog ‘ How do I find a trust-worthy and reliable accident repair centre ’ for more information.

New vs Used Parts

Fri, 09 Aug 2024 11:48:48 GMT

Many repair centres may look to use second-hand or non-genuine parts to repair a vehicle in order to keep costs low. However, in some cases, this may not be safe or ethical. Ultimately, any vehicle returning to the road following an accident or other damage should be both safe and road-worthy.

Here at CARS, we recommend only using new and genuine parts, specific to your vehicle’s make and model. Before a vehicle is released for sale, it goes through rigorous testing to establish its safety rating. Only using new and genuine parts, and repairing the vehicle in line with manufacturer repair methods, will ensure it maintains this safety rating and respond accordingly if involved in any future incidents.

It’s worth noting that when you purchase insurance, your vehicle is allocated to an insurance group which is based on the cost of repairing your vehicle using new and genuine parts. However, there are many insurance companies that will allow their preferred (approved) repairers to use second-hand and/or non-genuine parts.

The legal minimum tyre tread depth

Mon, 08 Jul 2024 13:27:05 GMT

You should check your tyre tread depth at regular intervals to ensure your safety whilst out on the roads. Having worn tyres can increase the chance of being involved in an accident and you could be fined or face penalty points for driving a car with bald tyres.

The legal minimum tyre tread depth for cars and light commercial vehicles is 1.6mm across the central three-quarters and around the entire circumference. Once this limit is reached, you must replace your tyres to ensure they remain legal. At CARS, we recommend a minimum of 3mm to maximise vehicle safety and performance at all times.

When checking for tyre wear, you should look out for smooth patches of tyre tread and bulging or cracking in the tyre wall, amongst other factors.

If you’re unsure whether your tyres are suitable, or just want general advice on vehicle maintenance, don’t hesitate to give CARS a call.

What is park assist?

Mon, 08 Jul 2024 13:27:03 GMT

Park assist is an extremely common advanced driver assistance system. The way park assist operates will differ from car to car, but in most cases, it is a system which uses sensors to aid with parking and other manoeuvres.

Whilst some vehicles offer assisted parking systems that require input from the driver to accelerate, brake and change direction, other vehicles offer fully automated parking, which rely heavily on driver trust as opposed to input.

With constant technological developments, we’re expecting to see further modernisation in vehicle park assist systems.

What is adaptive cruise control?

Mon, 08 Jul 2024 13:27:02 GMT

Adaptive cruise control is an increasingly common feature on modern vehicles, which typically operates using radar technology to automatically speed up or slow down a vehicle to keep pace with the traffic ahead.

This differs from traditional cruise control, as its advanced components are constantly adapting to the road and traffic in front, always maintaining a safe distance.

Most vehicles allow you to set a maximum desired speed for your vehicle, so if the car in front has a sudden (and potentially dangerous) increase in speed, your vehicle won’t replicate this behaviour, but will maintain a safe distance from the vehicle in front. In some vehicles, you can also set the gap you wish to maintain from the vehicle ahead in metres or seconds.

In some cases, your vehicle may come to a total stop if an obstruction is detected.

The cruise control system is usually deactivated by applying the brakes. This highlights how important it is to remain alert at all times, regardless of any self-driving technology being used. These technological developments should never be a replacement for human attention.

If for any reason, the angle of the radar sensor is altered (for example, due to wheel alignment or removal and re-fit of the radar sensor itself), the system must be calibrated.

What is lane departure warning?

Mon, 08 Jul 2024 13:27:00 GMT

Lane departure warning is a driver assistance system designed to help avoid collisions that are caused as a result of drifting out of lane. The system detects lane markers and alerts the driver, usually via a warning light on the wing mirror and/ or vibration of the steering wheel. Lane departure warning signals will generally not create an alert when the driver is indicating appropriately to change lanes.

Some more advanced vehicles benefit from lane keeping assist. If this system detects a potential lane departure with no response, the vehicle will be steered back into lane. In some vehicles, the steering wheel movement will become stronger the closer your vehicle gets to the lane markers. Similarly, there is usually no alert when the driver is indicating appropriately to change lanes.

Some lane departure systems are activated automatically when a vehicle is switched on, whilst others have to be activated by manually pressing a button within the vehicle.

If turned on automatically, in some vehicles, the lane departure warning can be switched off, but will likely default back on again each time the vehicle is started.

Car maintenance tips to prevent expensive repair costs

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 31 May 2024 08:25:29 GMT

Given the increase in the cost of living, many people are putting off paying for vehicle maintenance. Whilst it’s an understandable choice to make, not maintaining a vehicle could lead to compromised safety and more expensive repair costs in the future.

Change filters regularly

Your vehicle’s air and oil filters can become clogged over time, so it’s important that they’re replaced on a regular basis. These filters should be replaced as part of your regular annual service and it’s a relatively easy task to complete. However, poor quality filters could result in irreversible damage to your engine in the longer term.

Use your air conditioning

Air-con systems may leak over time, especially when not used regularly. Whilst you may not need to use your air-con in the winter months, it is beneficial to keep your air-con running at regular intervals to prevent receiving a large bill for air conditioning re-gassing.

Keep the fluids topped up

This is essential to your vehicle’s performance and safety. Too much or too little oil in the engine can be catastrophic. The engine oil can be checked when cold using the dipstick or by using the onboard computer in more modern vehicles. You should always ensure that you are using the correct oil type for your vehicle make and model.

The coolant level should also be checked periodically, when the engine is cold.

In addition, low brake fluid can lead to a spongey brake pedal, which can be dangerous and also requires immediate attention at a reputable service centre.

Have your vehicle serviced regularly

A highly-skilled mechanic can conduct a full check of your vehicle during a service. A service will likely include checking all of the above measures, as well as additional tasks to maintain the safety and performance of your vehicle. This can help to spot minor issues, before they become dangerous and costly problems. Visit our blog ‘ Why is it important to service my car? ’ for further information.

It's best to keep on top of your vehicle maintenance to prevent dangerous and expensive issues. If you spot any differences in your vehicle’s performance, it’s usually best to have this checked at a local repair centre .

Always call CARS with any concerns!

Do insurers provide courtesy vehicles?

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 31 May 2024 08:22:27 GMT

Many of our customers automatically assume that they will be provided with a courtesy vehicle when making an insurance claim… after all, we all need a way to get from A to B.

Ultimately, whether an insurer provides you with a courtesy vehicle may depend on whether the incident was your fault or not. As a brief overview:

AT FAULT - If the incident you’ve been involved in was your fault and you’re making a claim on your own insurance policy, you might not be entitled to a courtesy vehicle, unless otherwise specified in your policy terms.
NON-FAULT – If you’ve been involved in an accident that wasn’t your fault and you’re making a claim on a third-party’s insurance policy, you are fully entitled to a courtesy vehicle whilst your vehicle is out of use, provided you do not have access to another vehicle. However, your insurer might tell you that you have to take your vehicle to one of their preferred repairers in order to have access to a courtesy vehicle. Read our blog ‘ Do I have to take my vehicle to one of my insurer’s approved repairers? ’ to find out more.

In comparison, at CARS, we offer all customers a courtesy vehicle when required, regardless of the fault of the claim.* We have several options available, from manual to automatic vehicles, and 3 or 5 door options. To ensure we are doing as much as possible on our green journey, the majority of our vehicles are hybrid. This means we can reduce our environmental impact, whilst still helping our customers. You can read more about our green journey via our blog ‘ How is CARS of Grimsby going green? ’.

Ultimately, if you’ve been involved in accident, we always recommend getting in touch with CARS before your insurance company. Not only will you receive a courtesy vehicle, you’ll also receive credible and non-biased advice, tailored to your circumstances.

*Subject to availability

The biggest mistakes people make after having a car accident

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 31 May 2024 08:19:58 GMT

Unfortunately, being involved in an accident is an unsettling and stress-provoking event. Whilst you can predict how you’ll react; you won’t really know for sure until it happens.

In this blog, we explain the most common mistakes people make after being involved in a collision. These include:

Rushing to call your insurance company - Whilst most insurance companies advise that they must be informed of any incidents immediately, we recommend that you call CARS before phoning your insurance company. Dealing with insurance claims and insurance companies can be extremely difficult, as there are many myths around your legal entitlement. One of the biggest myths around car insurance is that they are there to repair your car – they are actually there to reimburse you financially in the event of a claim.

Your insurance company may try to tell you that you have to use one of their preferred repairers. It’s actually your right to choose a repairer of your choice. We always recommend choosing a local repairer who uses new and genuine parts, manufacturer repair methods, alongside offering excellent customer service. For example, bringing your vehicle to CARS guarantees that it will be returned to a safe and road-worthy state, whilst your experience will be nothing less than excellent. Visit our blog ‘ Do I have to take my vehicle to one of my insurer’s approved repairers? ’ to find out more.
Admitting liability – You should remember that an accident is an extremely stressful and emotional event. Don’t apologise or admit responsibility for the accident until you’re completely aware of what has happened. Instead, obtain the details of the third-party(s), including name, address and insurance information, along with the date and time of the crash.
Not gathering information from the scene – Taking photographic evidence and obtaining witness statements will also be of significant help should you need to make an insurance claim, or you’re having difficulty determining liability. Further useful information includes the driving conditions at the point of accident, the road quality and what type of damage was caused.
Not calling CARS of Grimsby! – Our number one piece of advice is that you should always call CARS before your insurer! We will be there to help you avoid the common pitfalls and guide you through the claims process. Check out our Google Reviews to hear what our customers say!

What is a SORN?

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 31 May 2024 08:17:22 GMT

SORN stands for Statutory Off-Road Notification. A SORN is a declaration made to the DVLA informing them that you are going to take your vehicle off the road, and as a result, don’t want to tax it. During this time, it is illegal to drive your vehicle on a public road.

A vehicle with a valid SORN must be kept on private property, such as on a private driveway or in a garage. The vehicle cannot be kept in a local car park or on a public roadside. Keeping a SORN vehicle on a public road could result in a fine of up to £2,500. The only exception to this is where the vehicle is being driven to a test centre for a pre-booked MOT test.

If you purchase a vehicle that was previously registered with a SORN, the notification will not automatically transfer over. As the new owner, you are legally required to register a new SORN in your name. Similarly, if you are selling a vehicle with a SORN, you should make the new owner aware of the fact that the vehicle has been registered as off the road, and must be re-registered in this way if they are not looking to drive, tax or insure the vehicle.

A SORN is automatically cancelled when the vehicle is taxed, sold, exported or scrapped. You should note that any vehicle going back onto the road must have a valid MOT certificate before going on any journeys (excluding to a test centre for a pre-booked MOT).

What Is A Service History and Why Do You Need One?

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Apr 2024 10:15:37 GMT

Firstly, when purchasing a vehicle, you should always refer to the service history to check it has been serviced timely and correctly. As discussed below, this will help when you come to sell the vehicle in future.

A service history is proof that a vehicle has been maintained in accordance with manufacturer guidance. This is of particular importance when it comes to selling a used vehicle through the pre-owned vehicle market.

Regardless of whether you take your vehicle to a main dealer, or an independent repair centre, your service and any relevant paperwork can be logged in your service book, which will help to maintain the vehicle’s value. If your chosen independent repair centre uses original equipment and is VAT registered (like CARS), your manufacturer warranty will remain unaffected.

However, if you miss a service, your vehicle will have a partial service history which could limit how much you are able to sell it for in the future.

If you’re looking into buying a used vehicle, either privately or via a dealership, you should ask to see all the relevant paperwork. If the vehicle has been serviced and maintained correctly, each service will be logged and dated within the service book, along with any additional paperwork. For some more modern vehicles, you can check the service history online which may provide further information about the vehicle.

Visit our blog ‘ Why is it important to service my car? ’ for further information.

Car Insurance Explained

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Apr 2024 10:13:48 GMT

In this blog, we give an overview of the different types of car insurance policies available in today’s market, and look to uncover some common policy terms.

Policy Types

Fully Comprehensive – This is the highest level of car insurance coverage. You are usually covered for third-party damage to another vehicle or person, as well as damage, fire or theft of your own vehicle – regardless of who is at fault. Your insurance provider may offer extra policy features for an additional cost. These include, but are not limited to, breakdown cover, windscreen cover and car key cover.
Third Party, Fire and Theft – This policy type covers you for theft of your vehicle or fire damage, as well as any damage you cause to other people and their property. This type of insurance policy will not cover any damage to your own car (unless it occurred as a result of fire or attempted theft), meaning you will have to pay for any car repairs directly.
Third Party Only – This is the minimum level of cover you can legally hold if you intend to use your vehicle on UK roads. This type of policy covers the costs of damage you cause to someone else’s vehicle or property, as well as any injuries you may cause to a third party. There is no cover for your own vehicle.

You should always provide accurate information to your insurer and keep them updated with relevant changes.

No-Claims Discount

When purchasing a policy, you may also be asked if you hold any No-Claims Discount. This discount is a reward for policyholders not making any claims on their insurance policy during a specified timeframe (usually a policy year). It is offered by insurance companies to encourage sensible driving.

For example, if three years go past without a customer making a claim on their policy, they will have earned three years’ worth of no-claims discount. This discount usually results in a reduction in premium costs upon policy renewal. The discount will depend on the insurance company’s specific terms and the number of consecutive claim-free years. In some cases, there may be a maximum limit to the number of years of NCD that can be accumulated, and this should be checked with insurance companies on a case-by-case basis.

NCD is usually lost or reduced once a claim is made, which is likely to lead to an increase in higher premium costs at renewal. A time where this may not apply would be if the NCD is protected, as in this instance, an insurance company may allow a number of claims to be made in a policy year before the discount is lost or reduced. A fee is usually payable for this added layer of protection.

If you’ve been involved in an accident that wasn’t your fault, we have a method here at CARS which enables you to have your car repaired without paying your excess or impacting your NCD, even if it’s not protected.

Excess

An insurance company will also apply an excess to your policy, made up of compulsory excess and voluntary excess.

The compulsory excess is selected by the insurance provider and can vary depending on several factors, such as age, driving experience, and the type of vehicle – the risk. The voluntary excess is selected by the policyholder at the time of initial policy commencement. The total excess may become payable in the event of a claim.

Many people select a higher voluntary excess to benefit from lower premiums, assuming they won’t need to make a claim. Remember, nobody wakes up in a morning and expects to get into a motoring accident, so make sure you select an excess amount which is affordable for you if the worst should happen!

The claim process varies between insurers. Your excess is usually paid directly to the repairer upon completion of the repairs. Even though the accident may not be your fault, in some cases you may still be asked to pay your excess, which can be refunded once liability is agreed, and the claim is settled. There are other options to make sure you don’t pay your excess in certain cases. It’s certainly worth calling us to discuss these.

We have several blogs in our advice centre which offer information about how to choose the right insurance company, how premiums are calculated and what would happen if you needed to make a claim. Get in touch with CARS for non-biased advice, tailored to your individual circumstances.

What Is An Insurance-Preferred Repairer?

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Apr 2024 10:07:40 GMT

An insurance-preferred repairer, otherwise known as an approved repairer, is one which is authorised by your insurance provider to repair your car in the event of a claim. This could be because the insurance provider has beneficial pricing rates with the repairer, enabling them to carry out the work for a reduced cost.

There is an assumption that a preferred or approved repairer offers better quality repairs and customer service, simply because they are recommended by or associated with an insurance company. However, in some instances, this isn’t the case. For example, CARS of Grimsby is an independent repair centre, not affiliated with any insurance companies. However, we have committed to offering the best service to customers across all aspects. This includes offering faultless service to customers, only using new and genuine parts, and working in accordance with manufacturer repair methods.

An independent repairer relies on reviews and referrals to generate new business, so the service received is likely to be better than that offered by a preferred repairer which already has a guaranteed workflow. As a result, it is clear that high-quality repairs can be found outside of the approved repairer network.

Many insurance companies specify to individuals that they have to use one of their preferred repairers. However – this is not true! It is your right to take your vehicle to any repairer of your choice. Your insurer may state that they apply an additional excess for taking your vehicle to an alternative repairer. However, here at CARS, we have various excess support options available to our customers, so this fee may not be payable. We also take over all communication with our customers’ insurance companies, making the claim process as stress-free as possible!

The most important point to remember is that in the event of an accident, you should always contact CARS before contacting your insurance company. This will ensure that you receive trustworthy and non-biased advice, tailored to your circumstances.

The following blogs will provide more information around insurance-preferred repairers, and how to ensure you are selecting a repairer that will return your car to a safe, roadworthy state:

What Is Autonomous Emergency Braking?

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Apr 2024 10:05:21 GMT

Autonomous Emergency Braking (AEB) is a type of Advanced Driver Assistance System (ADAS) which is usually built into newer and more modern vehicles. It was introduced to prevent collisions or reduce the impact of unavoidable incidents.

AEB works without any input from the driver. The system monitors the road and traffic conditions to warn the driver of upcoming danger. Dependent on the vehicle, it may also seek to detect pedestrians and other obstacles. The brakes will automatically be applied if the driver doesn’t respond quickly enough. To do this, the system relies on a combination of light detection, radar and/ or sensors to establish whether a dangerous situation is developing.

Whilst this system will give added reassurance when heading out on the roads, it is not a replacement for making sure you are alert at all times.

MOT Tests Explained

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Apr 2024 10:04:20 GMT

We understand that you might have many questions when it comes to your MOT:

Do you have to have an MOT every year?
What happens during an MOT?
How long does an MOT take?
How much does an MOT cost?
And so on!

The majority of vehicles are required to pass an annual MOT to prove that they are safe and roadworthy. An MOT involves several checks on your vehicle from safety components such as seatbelts, to mirrors, lights, and the braking and fuel systems.

If your MOT has expired, it is illegal to drive your vehicle on the road and you could be prosecuted for doing so. You should also note that driving without a current MOT invalidates your car insurance, and you are unlikely to be covered in the event of an incident and subsequent claim. The only exception is where you are driving your vehicle to a test centre.

An MOT usually takes between 45 to 60 minutes, but you should remember that if your vehicle fails its MOT test and repairs are needed, you could be without your vehicle for longer. You are not allowed to drive your vehicle if it has failed its MOT, unless you are taking it to a repairer, or its existing MOT certificate is still valid. However, if it fails its MOT with a dangerous fault, you won’t be able to drive it away at all, regardless of whether it has an existing valid certificate.

If your vehicle passes its MOT but the test centre has made advisories, you can legally drive it on the roads. However, we recommend that these advisories are dealt with by a local repair centre as soon as possible. This will ensure that your vehicle remains safe and roadworthy.

Whilst the cost for an MOT will vary between test centres, the maximum cost for a standard car is currently set at £54.85 (as at 15/03/2024). This cost may increase or decrease in the future.

We have established that some of the most common reasons for MOT failure are as follows:

Lighting and signalling issues
Damage to the windscreen and/ or wipers
Brake faults
Issues with the exhaust system
Insufficient tyre depth

You can visit our blog ‘ Common reasons for MOT failure ’ to find out more.

We recommend taking care of your vehicle and conducting regular maintenance to reduce the chance of your vehicle failing its MOT. This involves keeping the internal and external areas clean, as well as dealing with any faults or new issues (such as knocking sounds, pulling, etc) in a timely fashion, to prevent them from becoming more serious and costly issues.

If you have any questions, please don’t hesitate to get in touch.

Will my car insurance go up if I move house?

jason@cars-grimsby.co.uk (Jason Barker) — Mon, 01 Apr 2024 08:00:03 GMT

To work out your premium cost, insurance companies consider your individual risk factors to determine how likely you are to make a claim during your policy term. As such, changing your address could have an impact on the cost of your car insurance.

Insurers will look at several factors associated with the area to determine the risk to them. For example, they will look at the previous number of claims in that area, along with the number of accidents recorded. They will also look at other factors, such as traffic volumes and the number of ‘high-risk’ traffic systems, for example cycle lanes or busy roundabouts.

Parking availability will also have an impact. In some cases, parking your car in a driveway or garage may result in lower premiums. If you do not have access to this, you may be subject to higher costs.

It is no surprise that urban and dense city areas come with a higher premium cost. This is because the more vehicles on the road, the more likely an accident is to occur, and the more likely you are to make a claim. These areas are also more likely to have higher crime rates, which will be a contributing factor when working out insurance cost.

Read our blog ‘ How are car insurance premiums calculated? ’ to find out more.

We recommend shopping around for quotes to find the best deal for you. We also advise using a local broker to ensure the policy terms you accept are appropriate for your circumstances. Finally, you should always make sure that all information provided to your insurance company is truthful and accurate.

Is CARS of Grimsby linked to any insurance companies?

jason@cars-grimsby.co.uk (Jason Barker) — Mon, 01 Apr 2024 08:00:03 GMT

In the accident repair industry, it’s not uncommon for repairers to be approved by insurance companies. For example, if you’re involved in an accident and phone your insurance company, they are likely to tell you to take your vehicle to one of their preferred repairers. There might be a preferred repairer in your local area. If not, you may have to travel to an alternative town or city to have your vehicle repaired, which will be an issue if your vehicle is not roadworthy, for example.

You do actually have the right to take your vehicle to any company of your choosing, such as a non-preferred repairer, regardless of what your insurer tells you. This could mean that you receive better customer service, work carried out to manufacturer standards and with new and genuine parts. Unfortunately, not many people know this.

CARS of Grimsby is not affiliated with any insurance companies. We are an independent repair centre , serving Grimsby and the surrounding area. Whilst we are not automatically passed work by insurance companies, we carry out large volumes of insurance work for our customers, including taking over all communication with their insurance companies to ensure a stress-free claim process.

So, why take your vehicle to an independent repair centre instead of your insurer’s preferred repairer?

You will have access to a loan vehicle, should you require one, regardless of whether an accident was your fault or not.

An independent repair centre that has no guaranteed stream of work usually attracts customers based on referrals and reviews. As a result, it is important for them to provide top-quality service at all times.

Preferred repairers are often working on extremely tight profit margins and because of this, some are authorised to fit second-hand and/or non-genuine parts. In contrast, an independent repair centre has control over which parts they fit. For example, at CARS, we will only use new and genuine parts. This ensures each vehicle leaving us is safe, road-worthy and back in the state the manufacturer intended upon originally leaving the factory.

Independent repair centres can still repair modern and technologically advanced vehicles. Here at CARS, we are consistently upgrading our equipment to keep up with any industry changes. Furthermore, we are also invested in the training of our technicians, to ensure they are always above industry standard. As a result, we can repair almost any vehicle that comes through our door.

We recommend always contacting CARS before your insurance company, to ensure you receive credible and non-biased advice, tailored to your individual circumstances.

What is black box car insurance?

jason@cars-grimsby.co.uk (Jason Barker) — Mon, 01 Apr 2024 08:00:03 GMT

Telematics insurance, more commonly known as black box insurance, lets your insurer monitor your driving skill and style. This is usually done via a box-like GPS device, a plug-in device or in conjunction with an app downloaded on a smartphone. Your insurer will analyse information such as acceleration, braking, cornering, driving smoothness, miles driven, the date and time you drive and how often you take breaks when on longer journeys. You should check with each insurer, as the information they collate may be slightly different.

Based on this information, they will then score your driving, which will affect how much your insurance premiums are. A higher score indicates good and safe driving and could result in lower premiums. Some insurers also offer additional rewards such as vouchers or cashback. However, if an insurer sees evidence of poor and/or dangerous driving, the score will be lower and could result in a more expensive insurance policy.

Whilst this type of insurance was originally designed for young drivers as a way of rewarding safe driving by reducing premiums, other individuals may be able to buy this type of policy, regardless of age. Like any insurance policy, the cost will depend on several factors, such as age, address and the make and model of car. Visit our blog ‘ How are car insurance premiums calculated? ’ for further information.

How much does it cost to run a car?

jason@cars-grimsby.co.uk (Jason Barker) — Mon, 01 Apr 2024 08:00:03 GMT

Along with the overall increase in the cost of living, the costs of running a car are also on the rise. In this blog, we provide an overview of the things you should consider when working out how much it costs to run a car over time.

Service & MOT costs

We advise booking your vehicle in for an annual service and MOT to ensure it remains safe and road-worthy. Whilst a service is not technically a legal requirement, it will help to maintain your car and flag up any minor issues before they turn into larger, more expensive problems.

Fuel costs

While the cost of fuel may vary around the country and dependent on the brand, there are other variables to consider when estimating your fuel cost. You should consider the estimated fuel consumption of your vehicle and the fuel type (petrol or diesel).

Tax

The amount of tax charged is dependent on the age of the vehicle and in some cases, the level of CO2 produced. There may also be an additional charge payable for cars with an initial list price of more than £40,000. There are several resources online to check the exact rate of tax payable for your vehicle.

Insurance

Ultimately, the cost for your insurance will be calculated based on the insurance classification for your vehicle, and the level of cover chosen. We always recommend using a local broker to ensure you choose an insurer and policy suited to your individual circumstances. You can also read our blogs ‘ How do I choose the right insurance company for me? ’, ‘ What car insurance should I buy? ’ and ‘ What should I look out for when purchasing car insurance? ’ for further information.

Depreciation

Whilst not technically a running cost, you should also consider the loss in value over time when estimating how much your car will cost you. Whilst most cars will depreciate over time, you can minimise this loss by keeping a record of all servicing, dealing with minor issues prior to them becoming extensive problems, cleaning your car on a regular basis and keeping the mileage low where possible.

Finance

If you need to borrow money to buy a vehicle, for example via a finance arrangement, you should consider the interest and other fees associated with the repayment method.

Miscellaneous Costs

We also recommend budgeting for any miscellaneous costs where possible. For example, if parts on your car start to show signs of wear and require replacement, this will usually be an additional cost. Please remember that if you’re involved an accident and need to make a claim on your car insurance, we have various excess support options available to help our customers.

If you’ve been involved in an accident, have damage on your vehicle or just have a general query, don’t hesitate to get in touch!

Top Tips for New Drivers

jason@cars-grimsby.co.uk (Jason Barker) — Mon, 01 Apr 2024 08:00:03 GMT

Whether you couldn’t wait to get behind the wheel at 17, or you’ve waited until later in life to take your driving test, there are a number of things to consider if you’re a new driver.

Purchasing your first vehicle – There are a number of things to consider when purchasing your first vehicle, from reliability to fuel and insurance costs. For example, vehicles are grouped into different insurance classifications, with vehicles in group 1 being the cheapest to insure and vehicles in group 50 being the most expensive. You can visit our blog ‘ Things young drivers should consider when purchasing their first car ’ for further information.

Purchasing car insurance – Car insurance is typically more expensive for young and/ or new drivers, but there are a number of things that can be done to reduce car insurance costs, such as having a telematics box fitted. You should always make sure you’re buying a policy suited to your individual requirements. We advise using a local broker to purchase a policy where possible. Our blogs ‘ What car insurance should I buy? ’ and ‘ How can I reduce the cost of my car insurance as a young driver? ’ might also be helpful.

Basic maintenance – It’s essential to keep your vehicle in a safe, roadworthy condition at all times. This involves keeping the vehicle clean and also making sure the individual components meet legal requirements. For example, all tyres should have a minimum tread of 1.6mm by law. Here at CARS, we recommend a minimum tread of 3mm. Our blog ‘ How to take care of your vehicle ’ details the vehicle maintenance you should undertake on a regular basis.

Additional tuition – Passing your test is only the first step in your driving journey. Many individuals choose to bolster their experience by doing additional tuition, such as the Pass Plus scheme. This may expose you to several challenges that you’re yet to experience, such as driving at night. Proof of carrying out this additional tuition could also bring down your insurance premiums.

You can contact CARS for advice on all things car maintenance, repairs and insurance.

Do I have to phone my insurance company as soon as I’ve had an accident?

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 01 Mar 2024 09:00:00 GMT

Unfortunately, being involved in an accident is an unsettling and stress-provoking event. Whilst you can predict how you’ll react; you won’t really know for sure until it happens.

Whilst most insurance companies advise that they must be informed of any incidents immediately, we recommend that you call CARS before phoning your insurance company. Dealing with insurance claims and insurance companies can be extremely difficult, as there are many myths around your legal entitlement.

Call CARS first for the following reasons:

We offer credible and non-biased advice, tailored to your circumstances. As we are not affiliated with any insurance companies, we will have your best interests at heart and make sure your needs are met.
We have a fleet of courtesy vehicles, available to our customers if required.* If you go to your insurance company direct and end up making a claim, they might tell you that you’re not entitled to a courtesy vehicle.
The customer service you receive will probably be better. An independent repair centre like CARS usually attracts customers based on referrals, recommendations and other reviews. Conversely, insurance approved repairers have an endless stream of vehicles to repair, automatically passed to them via insurers and other work providers. Therefore, they do not have to worry so much about reviews based on quality, which may impact the service you receive. We guarantee impeccable service every time.
You might not have to pay your excess. Yes, you read that right! Here at CARS, we have various excess support options available to our customers.

Remember that you don’t have to rush to contact your insurance company… you have time to think through your options and make the best decision for you. Call CARS on 01472 453622 , email enquiries@cars-grimsby.co.uk or read our blog ‘ Do I have to take my vehicle to one of my insurer’s approved repairers? ’ to find out more.

* Subject to availability.

Common Reasons For MOT Failure

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 01 Mar 2024 09:00:00 GMT

There are a number of reasons your vehicle could fail its MOT, some of which could be avoided by regular maintenance and servicing. Here are some of the most common reasons for MOT failure:

Lighting & Signalling Issues

Unfortunately, these issues are responsible for a high amount of MOT failures. For example, blown bulbs or faulty indicators can result in an advisory or failure. In addition, if there is a more significant hidden problem, such as a faulty fuse or wire, this could also prevent your vehicle passing its MOT.

Prior to the test, you should make sure that all indicators and exterior lights are working correctly.

Windscreen & Wipers

Chips or cracks in the windscreen which are impacting the visibility of the driver could also result in MOT failure. Damage elsewhere could also result in an advisory or failure, if deemed large enough to cause visibility issues or potential danger. Furthermore, if you’re stopped by the police for driving with a damaged windscreen, you may receive a penalty or points on your licence.

Brakes

During an MOT test, a technician will inspect aspects of the braking components and how effective they are at stopping the car. As well as checking for brake efficiency, tests will be carried out to make sure the brakes are balanced from left to right, and whether there are any issues causing vibration through the steering.

Exhaust System

MOT technicians will mainly be checking for leaks in the exhaust system, most of which are caused by corrosion.

Tyres

To pass its MOT, the tread depth on your tyres must be at least 1.6mm, which is the legal minimum. Here at CARS, we recommend having a tread depth of at least 3mm at all times, to ensure your vehicle remains safe and roadworthy.

If you are stopped by the police whilst driving on tyres of insufficient depth, you could be facing a penalty or points on your licence.

Tyre safety can be compromised by cracking to the tyre walls and could also result in an MOT failure.

It’s worth noting that MOT regulations can change from time to time. Be aware that something listed as an advisory on your MOT one year could be listed as a failure the following year.

Ultimately, making sure your vehicle maintenance is carried out regularly will increase the chances of the vehicle passing its MOT. Furthermore, if you hear any sounds that are unfamiliar, or any new dashboard lights pop up, we recommend addressing these as soon as possible, to prevent a larger issue developing.

The following blogs can help you:

How to prepare for a road trip

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 01 Mar 2024 09:00:00 GMT

As we move further into 2024, many of us will be setting off on road trips and other long-distance journeys. Here we share a few tips to ensure you and your vehicle remain safe whilst out on the road:

Stock up on critical items

It’s best to be prepared should the worst happen. We recommend packing the following items as a minimum: sat-nav, first-aid kit, torch, water, blankets and snacks. We also recommend having your documentation with you, such as driving licence and breakdown information.

Plan your route

It is vital that you plan your route ahead of time, including stops to ensure driving breaks and reduced tiredness. You should use up-to-date technology or go online to make sure that there are no roadworks impacting your desired route. You should also consider alternative routes in the event that roads become blocked due to accidents or other events.

Check weather conditions

As we move further into the year, we’re expecting the weather to get better. However, this may not always be the case! We advise checking the weather forecast ahead of time, to ensure your trip is not impacted by severe wind and rain! Adjusting your travel date and time in the event of severe weather could help you avoid a potentially unsafe journey.

Check vehicle components and fluids

Before embarking on any medium to long-distance journey, there are several checks you should carry out to ensure your vehicle remains safe and road-worthy. This includes, but is not limited to, tyre pressures, tyre tread depth, windscreen wipers, lights, air conditioning, as well as the level of screen wash, oil and engine coolant.

Our blog ‘ How to take care of your car ’ provides useful tips on how to keep your vehicle in excellent condition. If you have any concerns or have picked up on any changes in the way your vehicle has been driving in recent weeks, we recommend having your vehicle checked over by an accident repair centre , prior to setting off.

Fuel up or charge up

It is important that your vehicle is fully-fuelled or charged prior to heading off. Although you can plan to stop at fuel stations and charging points, you can never predict how a journey will unfold. For example, you may use more fuel/ power than anticipated if you end up in heavy traffic or held up behind an accident.

When am I entitled to a courtesy car?

jason@cars-grimsby.co.uk (Jason Barker) — Fri, 01 Mar 2024 09:00:00 GMT

When deciding where to take your car for repair, a huge deciding factor is usually whether the repairer offers a courtesy vehicle as part of their service.

If you’re making an insurance claim, the situation gets a little more complicated. As a brief overview:

AT FAULT - If you’ve had an accident that was your fault and you’re making a claim on your own insurance policy, you might not be entitled to a courtesy vehicle, unless otherwise specified in your policy terms.
NON-FAULT – If you’ve been involved in an accident that wasn’t your fault and you’re making a claim on a third-party’s insurance policy, you are entitled to a courtesy vehicle whilst your vehicle is out of use. However, some insurance providers might tell you that you have to take your vehicle to one of their approved repairers in order to have access to a courtesy vehicle. Read our blog ‘ Do I have to take my vehicle to one of my insurer’s approved repairers? ’ to find out more.

To avoid any confusion… here at CARS, we offer our customers courtesy vehicles when required, regardless of the fault of the claim.*

We have several options available, from manual to automatic vehicles, and 3-door vehicles to 5-door vehicles. Furthermore, the majority of our vehicles are hybrid, which means we can reduce our environmental impact, whilst still helping our customers.

Ultimately, you can take your vehicle to a local, independent repair centre without worrying about how to get around in the meantime. Read our blog ‘ What are the benefits of using a local repair centre? ’ to find out more.

*Subject to availability.

5 ways you could be invalidating your car insurance

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Jan 2024 10:38:42 GMT

With the number of specific terms included in your policy, it’s possible that you could be invalidating your car insurance without really knowing. Here are a few ways you could accidentally invalidate your car insurance:

Fronting – Incorrectly declaring another driver as the main driver of your vehicle could invalidate your car insurance. For example, this may occur if a young and new driver incorrectly declares a parent as the main driver of their vehicle in an attempt to reduce insurance costs.
Vehicle modifications – Making changes which impact the way your vehicle looks and performs without declaring them to your insurer could invalidate your insurance, especially if you need to make a claim. We recommend contacting your insurer to estimate the change in premium cost, prior to making any alterations.
Using your vehicle for business purposes – If you use your vehicle for business purposes, outside of travelling to and from a singular place of work, you could be invalidating your insurance. For example, if you are a mobile hairdresser, or you have a small business on the side which requires an element of travel, you should declare this to your insurer upon purchase of a policy.
Changing address – Your insurance company will take your address into consideration when agreeing your premium cost. Therefore, if you move home or change address for any reason, it is vital that you inform your insurer as soon as possible. This could either increase or decrease the cost of your insurance, as this is partially dependent on the higher or lower risk of theft in different areas of the country.
Driving without a valid MOT – Some insurers specify that a valid MOT certificate is a prerequisite to insuring your vehicle. As such, you must ensure that you have a valid MOT at all times and book your vehicle in for its next MOT in good time to avoid going over the deadline.

Our advice is to always be transparent with your insurer, especially when it comes to any previous claims or convictions (they WILL find out!).

What should I do if I’m involved in a hit-and-run?

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Jan 2024 10:38:40 GMT

Unfortunately, the number of accidents occurring with drivers fleeing the scene is on the rise. Here’s things to consider if you’re involved in a hit-and-run:

Take as much evidence from the scene as possible

If you’re unable to take the other driver’s contact and insurance information, there are other things you should try to obtain. For example, if you’re able and it’s safe to do so, take a picture or note of the registration, along with the vehicle make, model and colour.

You should also take images and/ or videos of the scene of the accident. This includes the damage to your vehicle and the environment, as well as evidence of any road markings or weather conditions. This will be useful information to pass on to your insurance company.

Take details of any witnesses

In this instance, eyewitness accounts will be extremely valuable. You should take details of as many witnesses as possible and check that they’re happy for their information to be passed along to the police and your insurance company.

Report the incident to the police

It is a legal requirement for the other driver to give you their details if they have caused injury to you or damage to your vehicle, and failure to do so must be reported to the police.

Report the incident to your insurance company

You are required to inform your insurance company that you have been involved in an accident, usually within 24 hours (although this may not be the same for all insurers). However, we advise phoning CARS before phoning your insurance company, so that you are in receipt of credible and non-biased advice.

Tips to avoid overnight vehicle burglaries

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Jan 2024 10:38:39 GMT

We have seen a recent spike in the number of vehicle burglaries taking place overnight in our region. Here are things you can do to keep your vehicle safe overnight:

Parking

If parking at home, parking in a secure garage or driveway is always a preferred option. If this is not a possibility, we recommended parking in an area that is well-lit and open to public view, ideally with CCTV or security patrols.

Take belongings with you

You may find your vehicle being targeted for vandalism or burglary if you have any belongings on display. This applies to any bags, parcels, coats or even loose change.

Adding an immobiliser or approved car alarm

Usually, modern cars already have a factory-fitted immobiliser to deter thieves. It would be wise to consider adding an immobiliser or Thatcham-approved car alarm to reduce the risk of vehicle theft.

Reduce your risk of ‘relay attacks’

This is becoming a more common method of vehicle theft due to the increase in the production of keyless vehicles. A ‘relay attack’ involves two people, one which uses a device to receive signal from the key fob inside the home and one standing by the targeted vehicle with a device to receive the signal. This has the same effect as having the key physically present, allowing the car to be driven away.

We do know that this signal is unable to penetrate metal, so it would be wise to store your keys in a metal box overnight.

Be safe with your keys

Keep your keys away in public and be aware of your surroundings at all times. At home, ensure your keys are out of sight, out of reach and as far away from the vehicle as possible.

How is technology transforming the accident repair industry?

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 30 Jan 2024 10:38:34 GMT

In recent months and years, we’ve seen first-hand how technological advancements are starting to mould and shape the accident repair industry. There is huge emphasis on ensuring that employees receive sufficient training and equipment is kept up to date with the latest innovations. Here are a few examples of how we’ve noticed the impact of technology on the accident repair industry:

Advanced Driver Assistance Systems (ADAS) – Perhaps the most common advancement is the introduction of Advanced Driver Assistance Systems. Newer vehicles have modernised ADAS, such as automatic emergency braking, blind spot detection, lane departure warning and adaptive cruise control, which aim to avoid accidents that usually occur due to human error. ADAS comprises of active safety systems which rely on multiple data sources that continually monitor the external surroundings of the vehicle. For example, the systems use radar, cameras and other devices in image processing.

The introduction of such systems on modern vehicles has resulted in an increased need for training. Firstly, it is important that an estimator is trained to identify underlying damage which could impact the functionality of ADAS modules. These modules are not always visible, so it is important that estimators are both technically trained and equipped with knowledge to identify any potential issues. Additionally, these modules will usually need recalibrating as part of the repair, to ensure the vehicle is safe and road-worthy once repaired.

Furthermore, it is important that workshop technicians receive sufficient training to be able to carry out repairs to more modern, advanced vehicles. For example, here at CARS, we run regular ADAS training sessions from industry professionals, to ensure our technicians are equipped with knowledge on the most recent industry updates. The same also applies to our in-house equipment. To stay aligned with the newest technology, it is vital that equipment is kept in immaculate condition and updated where necessary.
Changes to parts – Increased use of electronics and computers has changed the auto-repair industry entirely, as newer vehicles are comprised of an increased number of complex parts. For example, there are a large number of individual parts used to make up the individual ADAS components. Therefore, waiting for a higher number of these more advanced parts, comprised with the advanced knowledge and equipment required during repair, can result in a longer repair time.
Access to diagnostic technology – A positive advancement we have seen in the accident repair industry is better access to innovative diagnostic technology. For example, the creation and advancement of diagnostic tools has made it easier to identify issues impacting the majority of vehicles. In some instances, this could result in a quicker and less expensive repair.
Advanced paint technology – In recent years, there has been a huge uptake in the utilisation of advanced paint matching techniques in vehicle repair. For example, here at CARS, we use computerised colour-matching software to analyse the existing vehicle colour shade and recreate an appropriate colour formula to match. This ensures that the repair blends more seamlessly with the existing paint finish.

We expect to see further advancements in the industry, and it is vital that employees receive sufficient training and equipment is upgraded to keep up with the latest developments.

How do insurance companies determine liability in an accident?

jason@cars-grimsby.co.uk (Jason Barker) — Tue, 02 Jan 2024 08:30:01 GMT

So, you’ve been involved in an accident that wasn’t your fault. Unfortunately, even though you might be 100% sure you didn’t cause the accident, you still have to prove this to your insurance company! We offer some tips on how you might be able to help your insurance company determine liability in the event of an accident.

Gathering Information from All Parties Involved – If you’re involved in an accident with another driver(s), you should exchange details to pass onto your insurance companies. This should include name, contact details and name of insurance company as a minimum. Your insurer will ask you for this in the event of you needing to make a claim.

Dash Cam Footage – Having a working dash-cam installed in your vehicle may be of extreme help when trying to determine liability. For example, if you’ve been involved in an accident that wasn’t your fault, but no witnesses were present, valid dash cam footage could provide your insurer with additional, possibly vital, information.

It is worth noting that each insurer will have different specifications on the type of dash cam footage they accept and use when determining liability. For example, some insurers state that the footage must have date and time stamping, or that the video must be of a minimum resolution to be used in the event of a claim. You should check this with your insurer if you are unsure.

Photographic Evidence – Whilst not as reliable as dash cam footage, you should take photographs from the scene of an accident. This should include photographs of the damage, all vehicles involved and the surrounding area. For example, tyre markings on the road or positioning of vehicles may help the insurer to determine the liability and fault of the accident.

Witness Accounts – If you’re involved in an accident, we recommend taking the details of any witnesses who were present at the time. You should record their name and contact details and check that they’re happy for you to pass on this information to an insurance company. Insurers can then use this information to determine liability.

In extreme cases, an insurance company might use accident reconstruction to determine liability of an accident, although this is rare.

How is CARS of Grimsby going green?

Tue, 02 Jan 2024 08:30:01 GMT

Whilst it’s inevitable that the car industry will have a negative impact on the environment in future years, we’re aiming to minimise our footprint and make positive change where possible.

Following the purchase of our new premises in 2017, we installed solar panels on the roof to start our green journey, along with LED lights which are automatic where possible. Additionally, each one of our courtesy vehicles is hybrid, reflected on the branding of each vehicle.

In addition, we use the lowest emission, water-based paint available to us, along with high transfer efficiency spray guns, designed to ensure more of the material is transferred to the vehicle rather than into the atmosphere within the spray booth. This ensures that we reduce our environmental impact, without compromising repair.

We recently installed a new eco spray booth, which is more energy efficient. The two main benefits are that we can lower our negative impact on the environment whilst lowering the cost of repairs, which subsequently benefits our customers.

Our projects for the future include going paperless with our workshop instructions and replacing some roof panels with natural skylight panels.

These are just a few ways we are looking to embrace a positive, green journey and reduce our negative environmental footprint.

Common car insurance myths

Tue, 02 Jan 2024 08:30:01 GMT

Every day, we have customers phoning up or coming in to see us, bewildered about things their insurance companies have told them. We endeavour to make sure everyone knows their rights when it comes to insurance issues, making for a stress-free repair process, should the worst happen.

You must take your vehicle to a repair centre specified by your insurance company – False! Following an incident, your insurance company is likely to tell you that you must take your vehicle to one of their approved repair centres, regardless of the distance between your address and the garage itself! We’ve seen many customers sending their vehicles to towns and cities a substantial distance away from them for repair, when they didn’t need to!

In reality, it is your right to take your vehicle to any repair centre of your choosing. We always recommend doing your due diligence to select a reputable repair centre and staying local where possible – visit out blog ‘ What are the benefits of using a local repairer? ’ for further information.
Your insurance company will only repair your car with new and genuine parts – Not true! If you did decide to go with your insurance company’s recommended approved repairer, your insurer may have granted them the use of non-genuine and/or used parts. Whilst this may result in a lower repair cost, it may also compromise the safety of your vehicle.

It’s worth checking your insurance policy documents to see exactly what you’ve agreed to.
Personal car insurance covers business use – Many people are unaware that their insurance policy doesn’t cover them for business use in line with their job role. If you’re travelling to more than one place during a day for your job, you may need to purchase additional business coverage.
Claiming on your insurance policy will always result in a significant increase in your premiums – Incorrect! We see so many customers here at CARS, and many are hesitant to claim on their insurance policies, even after major accidents! People tend to assume that making a claim will result in an extortionate rise in premium costs but in reality, the premium is likely to go up by a minimal amount, if at all. For example, we might estimate that it costs £2,500 to repair damage to your vehicle. It’s almost impossible for your insurance to go up by this amount. As a result, making a claim might be in your best interests.
Your premium will automatically decrease each year – Sadly, no. Many people assume that their insurance premium will go down on renewal each year. However, research has shown that insurance costs are on the rise – visit our blog ‘ Is the cost of car insurance going up? ’ for further information.

There are also many other reasons your premium may increase, such as change of address, change in vehicle or change in occupation, among others. We also encourage our customers to do their research before accepting the auto-renewal price supplied by their insurers, as there may be cheaper options available.

Things I didn’t know before working in the motor industry…

Tue, 02 Jan 2024 08:30:01 GMT

I’ve been working in the motor industry for around a year now and with a fresh perspective, it’s clear that some of the challenges faced within the industry are eye-opening!

Firstly, it’s become clear that not all insurance companies have their customers’ best interests at heart. Since joining CARS, I’ve realised that many (but not all) insurance companies rely on their customers not being educated about what to do when making a claim on their car insurance. For example, insurers have agreed labour rates and work methods with their approved garages, so they try and direct policyholders to take their vehicles to one of these garages. This may place the customer at a disadvantage, especially if the garage uses second-hand or non-genuine parts.

In reality, the customer has the right to take their vehicle to any garage they choose! Unfortunately, not many people actually know this, which is why we are pushing to make this a more widely known fact!
That leads me onto my next point… not all garages will fit new and genuine parts to your vehicle! In my opinion, it should go without saying that safety is paramount during a repair. However, this may become compromised if second-hand or used parts are fitted. To avoid this, you should always ask prior to booking your vehicle in at any garage!

It’s worth noting that if you choose a non-approved repairer (like CARS of Grimsby), the repairer will have the option to fit new and genuine parts, as they are not under any contract with the insurer to use second-hand or non-genuine parts.
Small bumps and scrapes aren’t actually as small as you might think. Like many people, I used to assume that minor damage only required a minor fix! It’s since become clear that what looks like small damage may result in damage that’s a lot more sinister. For example, there may be Advanced Driver Assistance System (ADAS) components, such as sensors, which compromise your vehicle’s ability to use adaptive cruise control. These very sensors could be housed right where your bumper has a small dent. Before you know it, you need to replace a full bumper.

Regardless, safety should always be the most important aspect of the repair.
You must keep up with technological advancements in the motor industry. From electric and hybrid vehicles to autonomous driving technology, there's a constant push for innovation and adaptation to new technologies. Therefore, it’s extremely important that repairers continue to invest in the training and development of their employees, alongside consistent upgrades to equipment. For example, at CARS, our team members have regular ADAS training to ensure they can repair almost any vehicle that comes through our door. Unfortunately, the repairers not investing in these technologies will be able to repair less and less vehicles as time goes on.

At CARS, our aim is to educate our customers, arming them with as much knowledge as possible so they know what to do with their vehicle, should the worst happen!

About Us: Mark R

Tue, 02 Jan 2024 08:30:01 GMT

Mark R | Workshop Controller at CARS of Grimsby

I recently joined CARS as Workshop Controller. My aim is to ensure that the team works cohesively and efficiently, whilst also making work a happy place to be.

I have many years’ experience in the motor industry, across different elements, including an abrasive manufacturer, body shop distribution and more.

When I’m not at work, you’ll find me playing golf, snooker, pool or enjoying family time with my Wife and three children.

Favourite Drink – Guinness Cocktail

Favourite Holiday Destination - Rhodes

What is No Claims Discount (NCD)?

Fri, 01 Dec 2023 10:28:52 GMT

No-Claims Discount is a method used by insurance companies to encourage sensible driving behaviour. The discount is a reward for policyholders not making any claims on their insurance policy during a specified timeframe (usually a policy year).

In the event of changing insurance companies, NCD is usually transferrable, which allows customers to retain the discount even after switching. The individual terms should be checked with the insurance company in question, where applicable.

Please note that not all claims impact a customer’s NCD, so it’s always a good idea to check with the specific insurer.

Furthermore, if you’ve been involved in an accident that wasn’t your fault, we have a method here at CARS which enables you to have your car repaired without paying your excess or impacting your NCD, even if it’s not protected. Call us on 01472 453622 for further information.

Visit our blog ‘ How do I choose the right insurance company for me? ’ for other important factors to consider.

What Happens When I Bring My Vehicle Into CARS For An Estimate?

Fri, 01 Dec 2023 10:27:17 GMT

Please note that subtitles have been auto-generated.

Ever wondered what happens when you bring your vehicle in for an estimate? Many of our customers are concerned about bringing their car into CARS because they don’t know exactly what is required. In reality, the process of obtaining an estimate is usually a simple and quick process – and free of charge! Read on to find out more.

Usually, it’s best for you to bring your vehicle into us so we can investigate the damage up-close and also take images for later use. The benefit of bringing your vehicle in to see us is that this allows us to create a more comprehensive estimate. For example, if we needed to remove a damaged-component to investigate for any further damage behind, we have trained technicians on site to do this thoroughly.

Whilst one of our trained estimators is taking a look around your vehicle, one of our lovely office team will note down your details. This includes your name, email address and telephone number, and usually takes no more than 2 minutes. This is also a great chance for you to ask any questions you might have about the repair process, or about CARS as a whole.

Once we have all the information we require, one of our estimators will put your detailed estimate together on our internal workshop management system. We aim to have all estimates sent to our customers by the following working day.

We will then contact you via telephone or email for a follow-up, to cover off any questions you might have. All being well, we can then get you booked in!

From start to finish, you’ll be here at CARS for no more than 10 minutes (unless you wish to stay longer!) and should have your estimate within 1 working day!

Car Safety Checklist – Part 1

Fri, 01 Dec 2023 10:25:03 GMT

There are many things you should check on a regular basis to ensure your vehicle remains safe and road-worthy.

Fuel

You never know when you might end up in a situation where your journey is taking longer than you anticipated, possibly due to poor weather conditions, traffic jams, or other unexpected events. We recommend always having more fuel than necessary for your intended journey.

Tyres

Check that tyre pressure matches the manufacturer specifications. This can usually be found in the driver’s handbook.

Check that tyre tread meets the legal minimum of 1.6mm across the central three-quarters of the tread around the complete circumference of the tyre. At CARS, we recommend a minimum tread of 3mm.

Inspect the tyres for signs of wear, cuts and foreign objects.

Brakes

The problem with brakes is that they become less effective over time and this isn’t always noticeable. As a result, you should regularly test the brakes for responsiveness. If they are taking too long to react or feel different, have them inspected.

Your brake pads and discs will be inspected for wear at your regular service. If they are worn, they may require replacement.

Lighting

Ensure your headlights are clean to maintain safe visibility.

Ensure all exterior lights are working (including headlights, brake lights, fog lights, indicators, etc).

Screen Wash & Other Fluids

In more modern vehicles, you may be alerted to low screen wash levels via a signal on your dashboard. In older vehicles, you can check the screen wash levels in the tank under the bonnet. Always ensure you have a healthy level of screen wash in your vehicle in preparation for dirt, bugs or extreme weather.

You should also ensure you have appropriate levels of coolant and brake fluid prior to embarking on a long journey. Advice on how to check in your specific vehicle and the required fluid types for your make and model can usually be found in your manual or handbook. If you are unsure, we advise taking your vehicle to a local garage or repair centre.

Documentation

We recommend carrying legal documentation within your vehicle for ease of access. This includes your driving license, insurance information and any other required permits.

Cleanliness

We advise keeping your vehicle clean to reduce the likelihood of an incident occurring. This includes (but is not limited to) windscreens, brake lights, indicators and registration plates.

Emergency Equipment

First Aid Kit
Torch
Blanket
Reflective Triangle
Water
Spare Tyre (where possible)

The majority of these components will be checked by a skilled technician at your regular service. If you have any concerns about the safety or performance of your vehicle, you should take your vehicle to a local repair centre.

Common Myths About Car Repairs

Fri, 01 Dec 2023 10:21:05 GMT

There is a lot of contradicting evidence floating around in the car repair industry, and not knowing which to believe can be overwhelming. In this article, we cover some of the most common car repair myths:

Dealerships always provide better service – Dealerships may have an automatic stream of work provided to them, meaning they are not reliant on customer service or quality repairs to bring in work. Also, many service managers within dealerships are under constant pressure to hit financial targets. Unfortunately, this may result in a less than satisfactory experience.

You have to take your car wherever your insurance company specifies for repair – If you contact your insurance company after an accident, they are likely to tell you that you have to take your vehicle to one of their insurance-approved repair centres. This is incorrect, it is your right to take your vehicle to any repair centre of your choosing. We encourage our customers to do their due diligence when choosing a car repair centre, for example, it would be wise to visit independent review sites such as Google when making a decision.

Minor bumps and scrapes are the cheapest to fix – On the face of it, a small bump or scrape can seem to be minimal damage which would be cheap to fix. However, in modern vehicles especially, there may be hidden damage to a vehicle’s Advanced Driver Assistance System (ADAS) components. These components aid drivers with parking, obstacle avoidance and other manoeuvres.

Another example of small repair might be a small scuff to an alloy wheel. Although an alloy wheel repair is fairly inexpensive, when a wheel has been impacted, a wheel alignment is often necessary. Once a wheel alignment has been carried out, vehicles equipped with ADAS may need recalibration of any radars or cameras.

Therefore, a small scrape might not always be what it seems.

A Beginner’s Guide To Car Jargon

Fri, 01 Dec 2023 10:19:04 GMT

ABS (Anti-lock Braking System)

ABS is a safety feature which prevents the wheels from locking up during hard braking. This helps the driver to maintain control of the vehicle, improve steering and minimise stopping distances.

Horsepower

A unit of measurement used to describe an engine’s power output. Typically, a higher horsepower represents a more powerful engine.

Cruise Control

This is a system fitted to some vehicles which can be set to maintain a vehicle’s minimum or maximum speed.

Depreciation

Most cars will depreciate in value over time, especially in the early years. The depreciation is the rate at which a vehicle’s value falls in a specified timeframe.

Hybrid

A hybrid vehicle is powered by more than one power source, usually a petrol/diesel engine and an electric motor.

Immobiliser

This is an anti-theft device, usually found on newer vehicles. Typically, a transponder is fitted to the key, meaning the vehicle will only start when the key is present.

Modifications

Any change made to a vehicle which alters the way a vehicle looks or performs.

SORN (Statutory Off-Road Notification)

This is when a vehicle is registered as no longer being used or parked on the roads. The owner does not have to pay road tax during this time.

Insurance Group

Vehicles are allocated to an insurance group classification from 1 (cheapest) to 50 (most expensive). You can use this to compare costs of insuring different vehicles.

Power Steering

Steering that is aided by hydraulic or electric motors. This makes steering easier for drivers, especially at low speeds.

About Us: Callum

Fri, 01 Dec 2023 10:17:03 GMT

Callum | Workshop Technician at CARS of Grimsby

I joined CARS as an apprentice almost 8 years ago and I’m now a qualified painter. I get to work on many different types of vehicle, meaning I’m continuously expanding my knowledge of the wider industry.

Hobbies: When I’m not at work, you’ll find me doing DIY at home – I’m always on with a project! I also enjoy watching F1 and going on walks with my dog, George.

Best Quality: I am to come into work each day and aim to make everyone laugh!

Car Dashboard Warning Lights – A Guide

Wed, 01 Nov 2023 14:25:15 GMT

Ultimately, some warning lights represent more of a threat than others, but it’s best to get them checked out by a skilled technician at an appropriate repair centre.

How do I find a trust-worthy accident repair centre?

Wed, 01 Nov 2023 12:43:19 GMT

There are many variables to consider when searching for a reliable and trust-worthy garage to carry out repairs to your vehicle. Whilst it might be tempting to go with the cheapest quote you receive, you can’t put a price on safety!

Material quality, and whether parts are genuine or second-hand – Some repairers may use non-genuine or second-hand parts to keep repair costs low, even where this is not the safest option. At CARS, we recommend the use of genuine parts, specific to your vehicle’s make and model.
Repair or replace? – Whilst a less intrusive repair method may be better for the vehicle and the environment in some cases, there are many instances where a vehicle part becomes compromised and should therefore be replaced.
Adhering to manufacturer repair methods – When making your choice, you should establish which garages use manufacturer repair methods during the repair process. Whilst the cost of a repair will depend on whether or not the repairer follows manufacturer guidelines, safety is more important.
Labour rate – Labour rates can vary from business to business. You will often find that main dealers are more expensive due to their guaranteed workflow, whereas independent body shops are more likely to offer a discounted rate to attract and retain customers.
Estimate quality and attention to detail – To ensure that all repairs are carried out to the highest standard, the journey of high quality must start at the point of estimate. For example, estimators should be highly-skilled, and have access to manufacturer repair methods and specific data for your vehicle. For example, your neighbour may have an identical car to you based on appearance, but yours might have lane assist or automatic braking. It’s important your estimator knows the difference!

The aim of any high-quality vehicle body repair centre is to ensure the vehicle would behave the way the manufacturer intended if involved in an accident.

To help you choose the right garage with confidence, take a look at our guide: Questions to Ask About Your Vehicle Repair Guarantee .

What is multi-car insurance?

Wed, 01 Nov 2023 12:29:26 GMT

If you have more than one vehicle in your household, selecting a multi-car insurance policy might be more cost-effective and simpler to manage than insuring each vehicle individually.

Overall, multi-car insurance works just like standard car insurance. Policyholders can choose their level of cover as normal, from Third-Party Fire & Theft to Fully Comprehensive cover. This also means that the cover levels don’t have to be the same for each individual vehicle, and neither do the excesses.

To be eligible for multi-car insurance, the policyholders must live at the same address, but don’t have to be related.

Additionally, each driver has their own No Claims Discount. This means that individual drivers can continue to build their own discount, as long as no claims are made. Each individual can then take their discount with them if they switch insurer or vehicle. Those with a sufficient No Claims Discount are likely to benefit from reduced annual premiums.

The most common benefit to having a multi-car insurance policy is the saving in premium costs. It is also likely to be simpler to manage than having multiple individual car insurance policies.

As a young driver, it may be beneficial to be part of a multi-car insurance policy with at least one older, more experienced driver. This may balance out the overall premium for the policyholders.

We always recommend using a local broker to find a policy which is suited to your individual needs. Visit our blogs ‘ How do I choose the right insurance company for me? ’ and ‘ Which car insurance should I buy? ’ for further information.

Best Practices for Driving in Winter

Wed, 01 Nov 2023 12:26:42 GMT

Driving in winter can be a challenge and we often see an increased number of incidents in the colder months due to icy roads, reduced visibility and other weather-related hazards.

To stay safe while driving in winter conditions, we recommend the following:

Check the weather – Ahead of your journey, always check the weather forecast and road conditions. This gives you the opportunity to make additional preparations or postpone your journey if required.
Clear snow and/or ice – In more extreme weather conditions, it is important that you clear all snow and ice from the vehicle, including windows, mirrors, headlights and brake lights. This prevents snow coming off your vehicle in front of you or other drivers, whilst also bettering your visibility.

In addition, modern vehicles rely on sensors mounted on the vehicle exterior for advanced safety systems, such as autonomous braking, among others. These sensors must therefore be free from road dirt, snow and ice.
Increase your distance – You should increase the distance between your vehicle and the vehicle in front of you. You require a larger stopping distance on slippery roads, so this extra space can help you avoid collisions.
Adopt a smoother driving style – In ice especially, you should avoid sudden braking, which can cause skidding. Instead, you should brake early and gently. Engine braking may also help, which is the process of slowing the car down by releasing the accelerator and shifting down through the gears, rather than using the footbrake. You should also avoid sudden steering movements.
Carry additional supplies – Extreme weather conditions can lead to an increase in road accidents, which may mean you get stuck in traffic for extended periods of time. You should keep additional supplies in your vehicle, such as blankets, snacks, water, additional clothing and a torch. It is also important to ensure you have a full tank of fuel, or full charge if you have an electric vehicle.

Most of all, it’s important to act with caution and patience in extreme winter weather conditions. Your safety and the safety of other road users is of the highest importance.

Why are timely vehicle repairs important?

Wed, 01 Nov 2023 12:12:16 GMT

Timely vehicle repairs are important for several reasons, ranging from safety considerations to legal implications.

Safety & Damage Prevention – Different types of vehicle damage can pose a risk to you, your passengers and other road users. Pivotal components such as brakes, tyres, steering systems and lights need to be in proper working condition to maintain a safe vehicle. In electric vehicles specifically, if cables become compromised, this could pose a serious risk of accident or injury.

Additionally, ignoring a small issue can lead to more extensive damage over time. This is because a minor issue could become a major, costly repair if left unaddressed. Tackling problems in a timely fashion can prevent them from escalating.
Maintaining Vehicle Value – Regular maintenance and timely repairs help to maintain your vehicle’s value. A well-maintained vehicle is likely to have a higher resale or trade-in value compared to a vehicle which has several faults or has not been looked after.

Servicing your vehicle at annual intervals is likely to ensure that any minor damages or faults are identified and addressed. Evidence of regular servicing could also result in a higher sale price.
Legal Implications – Neglecting vehicle damages or faults can result in legal complications. For example, driving with broken lights or signals such as brakes and indicators is considered a violation of road traffic laws. As a result, you could face fines or other penalties.

Furthermore, if you’re involved in a motoring incident and need to make an insurance claim, your insurer may inspect the vehicle for any prior damage which was not taken care of by the owner. For example, in some instances, your insurer may refuse to pay out if your tyres don’t meet the legal minimum standards.

Ultimately, dealing with vehicle faults or damages in a timely fashion reduces the likelihood of further, more serious damage and potential accidents. Regular servicing and maintenance ensures that your vehicle remains safe and road-worthy. Visit our blog ‘ How To Take Care Of Your Vehicle ’ for further information.

About Us: Maggie

Wed, 01 Nov 2023 12:08:56 GMT

I joined CARS in October 2012 as a Panel Beater, having previously worked in the vehicle repair industry for a number of years. I enjoy the variation in my role at CARS, as I get to work on a different type of vehicle every day.

It’s interesting to see how vehicles have changed with technology over time, and CARS is a great place for me to develop this knowledge. I hope to continue training and growing for years to come.

When I’m not at work, I enjoy spending time with my Wife and young Son. I have several hobbies, and am keen to learn about anything and everything I can!

Questions To Ask About Your Vehicle Repair Guarantee

Mon, 02 Oct 2023 08:00:00 GMT

Different vehicle repair centres offer different levels of guarantee and protection. For example, vehicle repair guarantees in dealerships and independent repair centres can vary in terms of coverage, duration and overall customer experience. It’s crucial to review the guarantee terms before authorising repairs from either medium. You should consider the following:

Guarantee Duration – How long does the guarantee cover the work for and are there any requirements for the guarantee to remain in place? For example, some repair centres require you to take your vehicle in for an annual inspection for your guarantee to remain in place.

Parts – Does the guarantee differ based on whether new or used parts are fitted? Does the guarantee differ based on whether parts are genuine or non-genuine? Fitting new and genuine parts is likely to be the most ethical repair method. However, in the event that non-genuine or used parts are fitted, it would be worth checking how this might affect your guarantee.

Coverage – Which specific repairs or services are covered by the guarantee? There may be some repair elements which are excluded from guaranteed coverage.

Transferability – This may be of high importance if you’re considering selling the vehicle. In the case of selling the vehicle, is the guarantee transferable to the new owner?

Other Exceptions – You may find that each repair centre applies different exceptions to their guarantees.

If you have any questions about the guarantees we offer at CARS, please don’t hesitate to give us a call on 01472 453622 .

Why Are Car Repairs Taking Longer?

Mon, 02 Oct 2023 08:00:00 GMT

In recent years, we’ve noticed an increase in the timescales required for multiple types of vehicle repairs. Here are some reasons why…

Increased vehicle complexity – Modern vehicles are now equipped with new technologies such as Advanced Driver Assistance Systems (ADAS).

Repairing or replacing elements of these systems often requires specialist knowledge and tools. Unfortunately, many independent repairers are unlikely to have access to this information, meaning that vehicles are being transported to alternative garages for services such as ADAS recalibration.

At CARS, we are able to carry out these more advanced services due to the consistent training and development of our team.
Availability of parts – There has been widespread impact to the vehicle parts industry, leading to delays. Unfortunately, waiting for one small part can have a knock-on effect to the repair process.

Additionally, given that vehicles are being fitted with more specialised and advanced parts, this may result in limited supply and subsequent delays.
Insurance claim process – In some cases, it may be wise to make a claim on your car insurance policy as an economical method of repair.

Unfortunately, insurance companies have been taking longer to process claims, largely due to an increase in the number of claims, compounded with staffing issues.

Furthermore, some claims may involve more complex circumstances in terms of gathering evidence and determining liability.

At CARS, we can take over communication with any insurance company to make the claim process less stressful for our customers.

How Can I Reduce My Car Insurance Costs?

Mon, 02 Oct 2023 08:00:00 GMT

With the overall increase in the cost of living, many people are now on the lookout for a way to decrease their car insurance costs. There are multiple different ways you can look to achieve a saving on your policy premium.

Shop around – Many people are quick to accept the auto-renewal price quoted by their existing insurance provider. This ignores potential savings that could be found by obtaining quotes from multiple insurance companies.

You should also consider the different policy terms and how this could alter your costs. For example, where your vehicle is stored overnight might reduce your premium. It would be worth testing these different options whilst completing an online quote.

Please note that the terms you select must be true and accurate, and providing false information could invalidate any claim.
Lower your annual mileage – Your estimated annual mileage also plays a part in determining your insurance premium costs. You should consider whether you are actually driving the number of miles you are paying for, as lowering the mileage could lower your costs.

The best way to establish your average annual mileage would be to look at previous MOT certificates, which should display both the mileage and test date. Additionally, if your vehicle has a warranty or service booklet, the mileage should be logged at each service.
Changing your voluntary excess – Voluntary excess is an amount specified by you which you agree to pay in the event of making an insurance claim. This is added to the amount of compulsory excess selected by the insurance company, and the total amount becomes payable by you.

Usually, the higher the excess, the lower the premium cost. However, the disadvantage to this is that you will be liable to pay the higher excess amount in the event of a claim. You should only select an excess that you could afford to pay if the worst should happen.
Vehicle make and model – The car you drive will impact your car insurance costs. Vehicles are allocated to an insurance group from 1 (cheapest) to 50 (most expensive). Choosing a vehicle with a lower insurance group classification is likely to result in lower premium costs.
Maintaining a clean driving record – Motoring convictions may increase your insurance premium costs. This is because your insurance company views you as posing an increased risk to them, which results in higher premiums.
Adding a named driver – Adding an experienced named driver to your policy may reduce your insurance premium costs. However, an alternative individual cannot be added as the main driver in place of yourself, as this may invalidate your insurance.

At CARS, we always recommend the use of a local broker to find a policy and provider suited to your individual circumstances and requirements. Visit our blogs ‘ How do I choose the right insurance company for me? ’ and ‘ How are car insurance premiums calculated? ’ for further information.

What Are The Benefits Of Using A Local Repairer?

Mon, 02 Oct 2023 08:00:00 GMT

Please note that subtitles have been auto-generated.

Many people we see at CARS assume that they have to use an insurance-approved repairer, which often means taking their vehicle out of town, sometimes up to several hours away. In truth, you can take your vehicle to a repair centre of your choice, including any that are local to you! So, here’s why it’s best to pick a local repairer:

Supporting a local business

It goes without saying that when you use a local repair centre, you’re contributing to the local economy by keeping money within your community. This supports businesses and helps to create more jobs in the local area.

Proximity

A difficulty we often see with non-local repairers is the travel requirements when arranging collection and/or delivery of vehicles. For example, it might be your responsibility to get your vehicle to another town or city, and a claims handler is unlikely to be able to confirm whether your vehicle is driveable.

With a local repair centre, arranging collection or delivery is likely to be far simpler, and you may still have the option of taking away a courtesy vehicle. Additionally, if you have any future queries regarding the work carried out to your vehicle or further damage, you can just pop back in!

Communication

Local repairers allow for face-to-face communication. This allows you to learn more about the repair process and ask questions to make sure that your vehicle will receive a high-quality repair, in accordance with manufacturer guidance. Ultimately, this ensures that your vehicle will be safe and road-worthy when returned to you.

Customer service

A local repairer which isn’t directly authorised by an insurance company is likely to rely heavily on recommendations, reviews and referrals to continue obtaining business. In order to do so, they have to provide high-quality customer service. In contrast, a non-local, insurance-approved repairer will have an automatic flow of work provided by an insurer or network. Unfortunately, in some cases, this may mean that they do not rely as heavily on providing quality customer service.

Ultimately, there are many reasons why choosing a local repair centre might be more advantageous than a non-local repair centre. You should carry out your due diligence to ensure that your vehicle will be repaired in accordance with high-quality standards regardless. Visit our blogs ‘ Why do repair costs vary from garage to garage? ’ and ‘ Do I have to take my vehicle to one of my insurer’s approved repairers? ’ for further information.

About Us: Danny

Fri, 01 Sep 2023 08:00:00 GMT

I’ve worked at various places in the automotive industry, from vehicle factories (such as Honda and Bentley) and accident repair through to cosmetic repairs for end of lease vehicles.

Working at CARS allows me to experience great variation with the number of different makes and models we repair. I also enjoy working within a small family team where you get seen and heard, as opposed to being a number within a larger organisation.

Hobbies: Most of my hobbies revolve around cars, my favourite being supporting my son with his karting.

Favourite Drink: I’m not much of an alcohol drinker. I loved a Cherry Coke growing up, but I mainly just stick to water these days!

Dream Car: Hopefully I can choose more than one! Anything in the Ford Cosworth range. Or I could narrow it down to the Ford RS200 Rally Car and the early Honda NSX.

Tips to Avoid Potential Car Accidents

Wed, 02 Aug 2023 13:29:40 GMT

Whilst heading out on the road remains a risk, there are things you can do to reduce the chance of causing an accident.

Regular Maintenance & Servicing – You should always maintain your vehicle in accordance with the manufacturer’s recommendations. This includes (but is not limited to), regular oil and filter changes, brake inspections, airbag checks and mirror adjustments.

Additionally, the legal minimum for tyre tread depth is at least 1.6mm across the central three quarters of the tread and around the entire circumference of the tyre. At CARS, we advise a minimum tyre tread depth of 3mm.

Your regular (usually annual) service should encompass the majority of our recommended vehicle maintenance components. This explains why regular servicing ensures that your vehicle remains safe and roadworthy.
Diagnostic and Repair Services – If your vehicle exhibits unusual behaviour (such as irregular sounds or movements), or dashboard lights start to appear, this suggests that you may need to take a trip to your local repairer. For example, a rhythmic knocking sound could indicate a damaged tyre wall and could result in a serious accident if driven at speed.

Skilled technicians can perform diagnostic tests to address and rectify problems, sometimes before the issue escalates further.
Keeping your vehicle clean – You should regularly clean your vehicle, especially your windows, mirrors, registration plates and lights, to ensure that you remain visible to other motorists – especially in poor weather conditions.

You should also carry out regular checks of your wipers and keep your screen wash topped up, to ensure you can keep your front and back windscreens clean from dirt, bugs or other weather conditions.

Will I have access to a courtesy vehicle whilst my vehicle is being repaired?

Wed, 02 Aug 2023 13:26:10 GMT

We all rely on our vehicles to get us from A to B, so it’s important to know we’ll have access to a courtesy vehicle if our vehicle is out of action.

There are a variety of factors impacting whether you will have access to a courtesy vehicle whilst your vehicle is being repaired.

If you’ve been involved in an accident that wasn’t your fault and are claiming on a third-party’s insurance policy, you should be entitled to a courtesy vehicle whilst your vehicle is out of use.

If you’ve been involved in an accident that was your fault and have to claim on your insurance policy, you are making a claim under the terms of your own contract. This may mean that you are not entitled to a courtesy vehicle, unless otherwise specified in the terms of your insurance policy.

Whilst many comprehensive car insurance policies include access to a courtesy vehicle if required, this may not be the case in every instance. Some insurers allow you to pay extra to have the courtesy car option added to your policy. However, there may be some restrictions and exclusions. For example, some insurance providers might state that you have to take your vehicle to one of their network-approved repairers in order to have access to a courtesy vehicle. We would always advise checking the terms of your insurance contract carefully to ensure the policy meets your needs.

To mitigate this, at CARS we have hybrid courtesy vehicles available to our customers, should they require one. This means that you can bring your vehicle to a local, independent repair centre without worrying about getting around whilst your vehicle is in for repair!

Pros and Cons of Buying a Used Car

Wed, 02 Aug 2023 13:24:32 GMT

Buying a used car can be more cost-effective than buying a newer model, but unfortunately, there might be some risks involved.

There are multiple methods you can use to buy a used car. In this article, we cover off the pros and cons of different purchase methods.

Buying a Used Car from Auction

Understandably, many people are often concerned with buying a vehicle from auction. Historically, vehicles sold at auction were viewed as quick sales which suggested to many that they may have hidden faults.

Pros

Buying a safe and reliable car at auction could result in a bargain.
Sales usually go through quickly.
Being with multiple bidders gives you an indication of what people are willing to pay for a particular vehicle.

Cons

Auctions can be seen as high-pressure environments, so you may have to make decisions very quickly. You should do your research beforehand and set a strict budget to avoid making decisions based on emotion.
You are unlikely to be able to test drive the vehicle or give it a thorough check.
There may be additional auction fees on top of the sale price.

Buying a Used Car Privately

There are multiple private channels to purchase a car, such as dealing websites or selling groups.

Pros

Purchasing a car privately is likely to be cheaper than purchasing a car from a dealership. There may also be more option for negotiation.
You are likely to be able to complete a thorough check of the vehicle and identify any areas of damage or other minor faults. This could also allow for further negotiation and potential reduction in the total sale price if minor issues are found.

Cons

Vehicles being sold privately may not have had a full check prior to sale, unlike the vehicles being sold at a dealership. You should do your research and make a list of things you want to check over to ensure you’re fully prepared.
Unfortunately, you may have limited protection if something were to go wrong with the vehicle down the line.

Things young drivers should consider when purchasing their first car

Wed, 02 Aug 2023 13:22:18 GMT

Most young drivers are super excited to get on the roads as soon as they are old enough to do so! In this article, we share with you a few tips to consider when purchasing your first car…

Budget – When considering the costs of purchasing a vehicle, whether outright or by finance, people often fail to remember the additional ongoing costs associated with their purchase. For example, different vehicles are allocated to different taxation bands. This could lead to a considerably higher cost layout per month.
Insurance Class & Security – Usually, vehicles are allocated to a numbered insurance group from 1 (cheapest) to 50 (most expensive). Purchasing a vehicle with a lower insurance classification is likely to lower the ongoing premium.

Vehicles with features such as alarm systems, automatic locking and tracking devices are deemed less likely to be stolen, which may decrease your insurance premiums.
Fuel Efficiency – Choosing a vehicle with good fuel efficiency can help you save money over time. It’s worth bearing in mind that fuel costs only ever seem to increase.
Reliability – Different vehicles are known for their different levels of durability and reliability.

Whilst we can never predict if something might go wrong with the vehicle of your choice, it’s worthwhile researching common faults associated with that vehicle make and model.
Safety – All vehicles have a safety rating. An excellent resource for identifying the safety rating for your desired vehicle would be euroncap.com.

As a new and potentially inexperienced driver, it is important that your vehicle has a good safety rating, should the worst happen.

Should I auto-renew my car insurance?

Wed, 02 Aug 2023 13:18:29 GMT

Many insurance policies now renew automatically at the end of a policy term, unless the customer specifies otherwise. This could mean that our customers are missing out on savings or discounts elsewhere.

Whilst this means that you can always be confident that you’re insured without having to remember to actively renew your policy, you may find that the price of your policy is increasing year-on-year, even if nothing has changed on the policy.

It’s important to know that many insurers change the terms of the policies from time to time. This could mean that the policy you are accepting is different to the one you previously agreed to. We advise doing your due diligence when it comes to reading into your policy terms.

Your insurance provider will usually send you a renewal reminder around three to four weeks before your renewal date. This reminder letter should contain the expected price for the forthcoming year, as well as the previous year’s price, so you can compare the difference in cost.

It’s worth noting that the expected price will be based on the information your insurance company holds for you. If anything has changed during the policy year, your insurer will need to know about this. Factors which affect your insurance premiums include the following:

Age
Occupation
Address
Vehicle Make, Model & Value
Annual Mileage
Prior Claims
Convictions

You should ensure that all information you disclose to your insurer is complete and accurate. Insurance providers may refuse a claim or even terminate your policy if it is found that incorrect information was knowingly supplied to them.

Research has shown that the significant number of people accepting their auto-renewal price has led to an overall increase in insurance premium costs across-the-board. An annual saving could be achieved by shopping around for insurance quotes from numerous providers.

At CARS, we recommend using a local broker to obtain quotes that are accurate and tailored to your individual circumstances. Visit our blog ‘ What should I look out for when purchasing car insurance? ’ or give us a call on 01472 453622 for further information.

About Us: Mark Avison

Wed, 02 Aug 2023 13:15:46 GMT

I started my working life on the local fishing docks at age 14, before getting my first job in the motor trade at 23.

More than 20 years later, I’ve never looked back. I’ve worked in various sectors within the motor industry, including sales, parts and estimating.

My favourite thing about working at CARS is the real buzz we get from turning a damaged car back to factory condition. It’s amazing to see the customers’ faces when they collect their vehicle.

Favourite Holiday Destination: Greece

Favourite Drink: Southern Comfort

Favourite Food: Tapas

Why should I use CARS instead of my insurer’s approved repairer?

Fri, 30 Jun 2023 11:50:22 GMT

There are many advantages to using an independent body shop over an insurance approved repairer.

Firstly, most people assume that they do not have access to a loan vehicle if they use an independent repair centre like CARS of Grimsby. At CARS, we offer hybrid courtesy vehicles to our customers whilst their vehicles are being repaired.

An independent repair centre like CARS usually attracts customers based on referrals, recommendations and other reviews. Conversely, insurance approved repairers have an endless stream of vehicles to repair, automatically passed to them via insurers and other work providers. Therefore, they do not have to worry so much about reviews based on quality and customer service.

Additionally, just because a repair centre is not insurance approved, does not mean they don’t adhere to high repair standards. When searching for an independent repairer, we would always advise doing due diligence. Here are some questions you could ask:

Will the estimator be using manufacturer repair methods to create the estimate?
How long will the repairs be guaranteed for?
Does the brand of paint used carry a manufacturer warranty?
Does the repair centre have a complaints procedure?

If you are obtaining estimates from various garages, ask each estimator to explain the repair process to you. This should give you a good idea of who is the most thorough and has the most knowledge.

It is also important to find out whether your chosen repairer will be using new and genuine parts to repair your vehicle. It is worth checking your insurance policy documents as a lot of insurance approved repairers are contracted to use non-genuine and second-hand parts where possible. The benefit of using a high-quality independent repairer (like CARS) is having the peace of mind that your vehicle will be repaired using new and genuine parts. Again, it is important to carry out your due diligence.

An extremely important factor when choosing your repairer, is to ensure that they are equipped to repair vehicles with up-to-date technology. This includes, but is not limited to, recalibrating cameras, lasers and other Advanced Driver Assistance Systems (ADAS). Visit our ADAS blog for more information.

Using a local accident repair centre like CARS also means you can revisit us if anything were to go wrong, or if you have any further concerns in the future.

We always recommend phoning CARS prior to phoning your insurance company to ensure you receive high-quality customer service and credible advice tailored to your individual circumstances.

How Do I Challenge A Car Insurance Write-Off?

Fri, 30 Jun 2023 11:50:20 GMT

Following an accident or other damage, your insurance company may decide that your vehicle is a ‘write-off’. In some circumstances, you do not have to accept this decision and are entitled to challenge your insurer.

If you are involved in an accident that was your fault and the cost of repair goes above 60-70% of the vehicle’s value, most insurers will write the vehicle off, stating that the vehicle is an uneconomical repair. This is because you are making a claim within the terms of your insurance policy, and most policies state a maximum repair cost of 60-70%.

However, if you are involved in an accident that wasn’t your fault (non-fault), we would advise claiming directly via the other party’s insurance. In most cases, you have a legal right to have the vehicle repaired up to 100% of its value, and at a repair centre of your choice – without penalties, or having to pay your excess.

There are occasions where the vehicle may be written off, regardless of cost. This may happen when the vehicle is categorised as ‘A’ or ‘B’. Please see our blog ‘ What should I do if my vehicle is written off by my insurer? ’ to find out how write-offs are categorised.

What Is Low Mileage Car Insurance?

Fri, 30 Jun 2023 11:50:19 GMT

The price you pay for car insurance can be impacted by your annual mileage.

Low mileage car insurance policies are typically available for drivers who do fewer miles than the national average. Insurance companies deem that there is less likelihood of an accident occurring due to the decreased time spent on the roads. Less exposure = less risk!

The types of specialist low mileage insurance policies vary between insurers, and you may find that some insurance companies have specific criteria that must be met in order to purchase one of these policies. Some insurers allow you to pay for the miles you use by selecting a mileage cap, whilst other insurers may fit a device to your vehicle to monitor the miles covered.

The best way to establish your average annual mileage would be to look at previous MOT certificates, which should display both the mileage and test date. Additionally, if your vehicle has a warranty or service booklet, the mileage should be logged at each service.

As above, insurers are likely to offer different types of low mileage car insurance policies, each with their own terms and conditions, so it’s important you obtain accurate quotes. We recommend the use of a local broker to find a policy suited to your individual circumstances.

Visit our blog ‘ How do I choose the right insurance company for me? ’ for further information.

About Us: Abbie

Fri, 30 Jun 2023 11:50:09 GMT

Abbie | Finance Administrator

I joined CARS in 2020 after previously working for another local garage in the service department. I now work in accounts and specialise in supplier payments, VAT reconciliation and other financial administrative duties.

Favourite Holiday Destination: Florida

My Hobbies: Swimming, shopping & being Mummy to Ada

My First Car: Seat Arosa

How To Choose An Accident Repair Centre In Grimsby

Thu, 01 Jun 2023 09:44:11 GMT

Being involved in an accident can be a stressful experience. Once everyone is safe, your attention usually turns to your vehicle, what damage has been caused and what happens next.

At CARS of Grimsby Ltd, we understand that arranging repairs after an accident can feel confusing. Over the years, we have helped many local drivers through the repair process, from understanding the damage to getting their vehicles safely back on the road.

Choosing the right repairer is an important decision, so here are a few things worth considering.

Look for experience and quality workmanship

A good vehicle repair is about more than making visible damage disappear. Depending on the accident, repairs may involve bodywork, paint matching, replacement parts or checking that the vehicle is safe to drive.

An experienced repairer should be able to assess the damage properly, explain what work is needed and carry out repairs using the correct methods.

It is also worth looking at previous customer feedback and reviews. A repairer’s reputation can tell you a lot about the quality of their work and the service they provide.

Make sure they understand the insurance process

After an accident, dealing with insurance can sometimes feel just as complicated as arranging the repairs themselves.

A repairer with experience in accident damage should understand how the process works and be able to communicate clearly with you throughout. They should explain what is happening with your vehicle, what repairs are required and keep you updated as work progresses.

It is always worth checking the details of your policy and understanding what options are available to you before making any decisions.

Consider the repairer’s facilities and expertise

Modern vehicles are built with advanced safety features and technology, so repairing them properly requires the right knowledge, equipment and approach.

A professional repair facility should have the skills and resources needed to complete repairs to a high standard, whether the damage is minor or more extensive.

The cheapest quote may not always provide the best value. A quality repair can help protect your vehicle’s appearance, safety and long-term condition.

Choose a repairer you feel confident with

The repair process is much easier when you know your vehicle is in trusted hands.

A good repairer should be approachable, explain things clearly and give you confidence that your vehicle is being looked after.

At CARS of Grimsby Ltd , we help drivers across Grimsby, Cleethorpes and the surrounding areas with professional vehicle repairs after accidents. Our team focuses on quality workmanship, honest communication and making the repair process as straightforward as possible.

If you would like to find out more about our accident repair services, visit our Accident Repair page .

What Is A SMART Repair?

Thu, 01 Jun 2023 09:41:10 GMT

We are often asked which is better, a SMART repair or a body shop repair.

But before we get into it…

SMART stands for ‘Small Medium Area Repair Technology’. SMART repairs have gained immense popularity within the automotive sector over the last 20 years. There are a range of different services under the SMART repair banner.

In this article, we are covering the difference between a body shop paint repair and a SMART paint repair.

When a bumper, for instance, is repaired using SMART repair techniques, it is usually left in situ and the attached components are typically masked out and painted around. As there is very little stripping required, the cost is often lower than a body shop repair. As a result, SMART repairs can typically be carried out at home or work from a van.

In contrast, when a vehicle goes into a body shop for a bumper repair, the bumper will usually be removed and stripped before being repaired. Although this process can be more expensive due to the additional labour required for stripping, there are advantages to this method of repair. For example, there is very little chance of contaminating the vehicle with overspray and less chance of the new paint delaminating.

Most reputable body shops have access to vehicle-specific data which allows the estimator to identify any sensors, like radar modules, based behind or attached to the bumper. If a bumper that houses a RADAR sensor is knocked out of alignment, the vehicle’s Advanced Driver Assistance Systems (ADAS) will be impaired. This leads to a requirement for recalibration of the RADAR module.

Likewise, if an alloy wheel is hit on a curb, this can cause the steering geometry to be knocked out of alignment. At any point, when a vehicle’s steering geometry is altered (whether by accident or following realignment), an ADAS calibration must be performed.

For further information, please visit our ADAS blog here .

Can All Bumpers Be SMART Repaired?

Thu, 01 Jun 2023 09:38:41 GMT

The short answer is no, and this is where due diligence is required to see if a SMART repair is the best option. Here are just a few examples of why.

Audi state that a vehicle with adaptive cruise control has certain parts of the front bumper that must not be painted during a repair. This is because the adaptive cruise control system relies on sensors located behind the bumper, which can become non-operational due to the thickness of added paint layers.

Similarly, some models of BMW have blind spot sensors behind the rear bumper which can also be affected by any excess materials used during the repair process. Therefore, a SMART repair cannot be carried out in that area.

Due to the ever-increasing advances in safety systems on modern vehicles, combined with a move towards autonomous driving, these repair issues are not uncommon across all vehicle brands.

Our advice to anyone seeking a SMART repair solution would be to check with the repairer that they have access to vehicle specific data and the equipment required to carry out any calibrations that may be required post repair. This will ensure that the vehicle is returned to a safe and road-worthy condition and will not be vulnerable in the event of a future accident.

How To Take Care Of Your Car

Thu, 01 Jun 2023 09:36:19 GMT

4 Simple Maintenance Tips to Keep your Car in Good Condition

Here are 4 things you should do regularly to keep your car in good condition, or even extend its lifespan:

1. Check your tyres

It’s important to ensure that your tyres are at the correct pressure, especially before driving any long distances. You can check your tyres by attaching a pressure gauge to the tyre air valves, which are available at fuel stations. Do remember that the required tyre pressure may be different for the front and rear tyres, so always check your vehicle handbook.

Additionally, you also need to maintain the correct tyre tread depth. Legally, to drive your car on UK roads, each tyre must have tread of at least 1.6mm deep across 75% of the tyre width and all around its circumference. Be aware, uneven wear patterns on the tyre (wearing on an outside edge, for instance) could indicate a problem with a vehicle’s geometry.

If you’re unsure on whether your tyres are legal, you can pop into CARS of Grimsby or any other quality vehicle repair centre to have them checked.

2. Keep the fluids topped up

Keeping the fluids topped up is essential to your vehicle’s performance and safety. Too much or too little oil in the engine can be catastrophic. The engine oil can be checked when cold using the dipstick. Some more modern vehicle oil levels can be checked using the onboard computer. You should always ensure that you are using the correct oil type for your vehicle make and model.

The coolant level should also be checked periodically, when the engine is cold.

In addition, low brake fluid can lead to a spongey brake pedal, which can be dangerous and also requires immediate attention at a reputable service centre.

3. Keep your vehicle clean

You should always ensure that your vehicle’s number plates are visible, along with your lights and mirrors to avoid unnecessary obstructions to yourself and other motorists.

Furthermore, dirt under your wheel arches can lead to corrosion. Bird droppings can burn a vehicle’s paintwork, as can bugs and insects when left on the vehicle’s surface.

We recommend cleaning your car once per week, making sure you clean under all wheel arches and remove any contamination from the paint.

4. Have your vehicle serviced regularly

A highly-skilled mechanic can conduct a full check of your vehicle during a service. A service will likely include checking all of the above measures, as well as additional tasks to maintain the safety and performance of your vehicle. Visit our blog ‘ Why is it important to service my car? ’ for further information.

Summary

In summary, have your car serviced at a reputable service centre in accordance with manufacturer recommendations, check your tyres and fluid levels at least once per month – and don’t forget the screen wash, especially if you’re going on a long journey!

If you have any queries about the information provided above or want CARS of Grimsby to look over your vehicle, don’t hesitate to give us a call !

What Car Insurance Should I Buy?

Thu, 01 Jun 2023 09:32:05 GMT

There are multiple types of car insurance policies available, each offering different levels of cover. Usually, the cost of cover increases with the level of protection offered and any associated risk.

You should consider which of the following levels of cover is appropriate for you:

Fully Comprehensive – This is the highest level of car insurance coverage, often referred to as ‘fully comp’. With this type of policy, you are usually covered for third-party damage to another vehicle or person, as well as damage, fire or theft of your own vehicle – regardless of who is at fault. You may also be covered for damage caused by flooding.

Typically, you will not be covered for damage or injury caused by driving when under the influence of alcohol or drugs, or driving without a license.

Your insurance provider may offer extra policy features for an additional cost. These include, but are not limited to, breakdown cover, windscreen cover and car key cover.

Third Party, Fire and Theft – This policy type covers you for theft of your vehicle or fire damage, as well as any damage you cause to other people and their property.

It’s important to note that this type of insurance policy will not cover any damage to your own car (unless it occurred as a result of fire or attempted theft). This means that you will have to pay for any car repairs directly.

Third Party Only – This is the minimum level of cover you can legally hold if you intend to use your vehicle on UK roads. This type of policy covers the costs of damage you cause to someone else’s vehicle, as well as any injuries you may cause to a third party. There is no cover if your own car is damaged or stolen.

Regardless of the chosen policy type, your insurer may choose to limit any claims or even cancel your policy if you fail provide accurate information when the policy is purchased. It is also important to update your insurer with any information that may affect the policy during its term.

Things that may affect your policy may include claims, convictions, vehicle modifications or even keeping your vehicle at a different address from the one provided to the insurer.

Visit our blog ‘ How do I choose the right insurance company for me? ’ or give us a call for further information.

A Guide To Summer Road Safety

Thu, 01 Jun 2023 09:27:11 GMT

When the summer months approach, many of us get ready to head off on our annual summer holiday. For many people, this could be the longest journey their car goes on all year. So, it’s important to ensure that you’re appropriately prepared for summer driving!

Make sure your car is in tip-top condition! Read our blog ‘ How to take care of your car ’ for further information.
Heavy traffic – Traffic is likely to be heavier during the summer months, with more people travelling to get to their holiday destinations. We encourage you to keep a safe distance from other cars and remove any distractions, such as phones.

With more sudden and unexpected vehicle movements, you need to be alert and focused at all times.

One major point we would like to stress is that wet roads can be extremely dangerous in the summer months. Due to the glare from the Sun reflecting off wet roads, sometimes it may be difficult to see the brake lights of the vehicle in front. Additionally, it may take longer to bring a vehicle to a stop in wet conditions.
Get prepared – This brings us onto our next point. You should plan ahead for any potential traffic incidents. For example, pack plenty of fluids and snacks in case you get stuck on the road for any length of time.

It is also important that any mobile devices are charged, should you need to get in contact with family members, friends or the emergency services.

Additionally, it may be wise to use a Sat-Nav even if you are familiar with your route, as most modern Sat-Nav systems give you regular updates on traffic and road conditions.
Ensuring all fluids are topped up – You should make sure you have enough fuel for your journey, remembering that your journey may take longer due to the increased likelihood of traffic jams.

You should ensure that you have the correct level of oil in your vehicle, to reduce the likelihood of overheating and/or engine damage.

Also, cooling systems are at risk of overheating in the warmer months. It’s important that you check the coolant level regularly to avoid damage due to overheating.

Topping up your windscreen washer fluid is also vital to maintain acceptable vision whilst driving.

We encourage you to check that your vehicle is safe and road-worthy before driving any long distances. If you need any advice, feel free to give us a call !

About Us: Sam

Thu, 01 Jun 2023 09:23:02 GMT

Sam | Customer Relationship Manager at CARS of Grimsby

I joined CARS in 2022 after working as a Production Manager in the signage industry for several years.

I thoroughly enjoy my role as it combines my passion for cars with my keen ability to help people. Although customer service was a part of my previous job, prior to joining CARS I’d never been in a situation where I had to help people who’d just been in a car accident and were understandably upset.

I feel privileged to hand over fully repaired vehicles to our customers and put smiles back on their faces.

My Hobbies: Watching the F1 and sneaker shopping.

Favourite Holiday Destination: New York

Dream Car: BMW M4 Competition G82

The Pros & Cons of Electric Vehicles

Fri, 28 Apr 2023 10:12:17 GMT

The number of electric vehicle (EV) sales have risen dramatically in recent years, with the number of available vehicle types also on the rise.

EVs are generally more expensive to purchase than petrol or diesel vehicles and they generally have more upfront costs; however, their servicing and maintenance costs are lower, as they have fewer moving parts and fewer items prone to wear and tear over time. This means that, usually, their total cost of ownership is lower than a conventional petrol or diesel vehicle.

As EVs rely on a rechargeable battery, there is a subsequent reduction in emissions and less of a negative impact on the environment. This is probably the most prominent benefit of purchasing an electric vehicle over a petrol or diesel vehicle.

Unfortunately, one of the biggest concerns surrounding EVs is their range and issues with public charging points. For example, say you were heading on a journey, and you’d prepared by planning your route and charging your vehicle prior to setting on your way. You’d scheduled in a stop at a charging point, but when you arrive there are four people in the queue in front of you, with each of their vehicles taking 30 minutes to charge. You’re therefore adding at least 2 hours to your journey time, before charging your own vehicle.

Evidence has also shown that electric vehicles perform less efficiently in the winter, with colder weather having a negative impact on battery life. The additional energy required to power the heating system will also negatively impact the vehicle range. Additionally, it may take longer to fully charge your vehicle in the colder months, with both private and public charging points being affected.

Furthermore, if you live in a city (for example) and don’t have a driveway or regular parking space, you are unlikely to be able to install or have access to a charging point. This increases your reliance on public charging spaces which are still relatively limited. Alternatively, if you live in a rural area with a driveway, you may be able to install a charging point at your home.

Our opinion at CARS is that the future of electric vehicles will likely be short-lived and alternative power sources will likely become more popular.

What is ADAS?

Fri, 28 Apr 2023 10:12:15 GMT

Advanced Driver-Assistance S ystems, or ADAS as they're more commonly known, are features that can enhance the driving experience. They typically fall under one of three types of system; Camera, Radar/Lidar, and Ultrasound. Click through the tabs below to learn more about each type and the features commonly within them.

I’ve had an accident, do I have to pay my excess?

Fri, 28 Apr 2023 10:12:12 GMT

Insurance policy excesses are generally comprised of two elements: compulsory excess and voluntary excess.

It is worth noting that there may be additional policy excesses or premium loadings for younger or newer drivers, so make sure to check the policy terms thoroughly. You should also be aware of whether the insurer will load your excess if you choose your own repairer (outside of their network) in the event of a claim.

Ultimately, you should not let your car insurance excess deter you from making a claim if this is the best option for you. Due to the complexity of modern cars, the repair costs are often far more than the insurance excess. CARS have various excess support options available, and we recommend giving us a call to discuss this in further detail.

Visit our blog ‘ What happens if I make a claim on my car insurance? ’ for further information.

Is the cost of car insurance going up?

Fri, 28 Apr 2023 10:12:09 GMT

Please note that subtitles have been auto-generated.

With the increased cost of living in the UK, many motorists feel they’re paying too much for their vehicle cover. According to Confused.com, the average cost of a car insurance policy in the UK is £629 (as of December 2022). But why is car insurance getting so much more expensive?

Rising Claim Costs – We have personally experienced supply chain issues and increased costs for parts, leading to a more expensive repair. This is further impacted by insurance companies working against each other. An example of this is where Customer A is hit by Customer B. Insurer A (rather than dealing with the claim themselves) factor the claim out to a claims management company who then overinflate the claim and hire costs, resulting in increased costs for Insurer B. Additionally, the Association of British Insurers (ABI) has suggested that paint and material costs have increased by around 16%, whilst energy inflation has added more than £70 to each repair.

Increased Technology – A number of more modern, advanced vehicles now benefit from keyless driving and/ or entry. This has led to an increase in car theft and a subsequent rise in insurance premium costs.

Insurance Premium Tax (IPT) – IPT is levied on most insurances. The standard rate of IPT rose to 12% in 2017, up from 6% in 2015. As a result, an insurance premium of £500 becomes £560 once IPT is added. Coupled with ongoing increases in the cost of living, there is potential that IPT could rise again in the future.

Accepting Your Renewal Price – Many motorists simply accept their renewal quote each year, without doing any additional research. This results in a high volume of missed savings. Given that many insurance providers increase their prices with inflation each year, the acceptance of such policy costs results in a rise in premiums across the board.

Overinflated Hire Costs – It is common for customers to be given a courtesy vehicle following an incident. Often, the cost of this is claimed via the third-party insurance company and the costs may be overinflated.

As always, we recommend using the services of a reputable insurance broker to find an insurance policy which meets your individual requirements. Please also visit our blogs ‘ How are car insurance premiums calculated? ’ and ‘ How do I choose the right car insurance company for me? ’ for further information.

How can I reduce the cost of my car insurance as a young driver?

Fri, 28 Apr 2023 10:12:08 GMT

Young drivers who have recently passed their driving test are likely to pay more for car insurance due to the increased risk they pose to the insurance company.

There are several factors worth considering when trying to lower your premiums:

Add a named driver to your policy – Adding a driver with more experience could reduce your overall risk level and result in lower premiums. For example, you could consider adding a parent to your policy, although they cannot pretend to be the main driver as this is illegal.

Pay annually – Paying annually is cheaper than paying monthly, as insurers charge interest on monthly instalments. Consider privately saving your premium amount throughout the year in order to benefit from making an annual payment.

Use a telematics device – Known commonly as a black box, this device will be fitted to your vehicle to monitor a number of driving characteristics, such as mileage covered, acceleration, braking and the time of day. The price of your insurance may go down if your insurer deems you a sensible, safe driver. Please note that in turn, your insurance could increase in price if you are deemed to be driving dangerously.

Choosing a car with a lower insurance classification – Each vehicle is assigned an insurance group classification from 1 to 50, with 1 being the cheapest and 50 being the most expensive. Choosing a car with a low insurance classification is likely to result in lower insurance costs. We recommend exploring the classification of a vehicle before purchasing it or entering into a financing arrangement.

Avoid unnecessary features – There are a number of additional add-ons that can be applied to insurance policies, such as breakdown cover or key cover. Whilst these may be useful, it may be cheaper to buy these features separately.

We always recommend using a local broker to ensure you purchase a policy suited to your individual needs. It is your duty to ensure that the information you supply to the broker and insurance company is correct and truthful.

We know that car insurance can sometimes feel like a minefield, so visit our blogs ‘ Car Insurance Jargon Buster ’ and ‘ How do I choose the right insurance company for me? ’, or give us a call for further information!

The CARS Vision

Fri, 28 Apr 2023 10:12:07 GMT

Please note that subtitles have been auto-generated.

The main objective of CARS is to repair accident-damaged vehicles , including (but not limited to) cars, vans and Heavy Goods Vehicles (HGVs). Our ethos is to provide effective and consistent service to our customers, and ensure they feel fully informed throughout their repair journey.

We understand that no two customer journeys are ever the same. Unfortunately, if a person is visiting us, it’s often because they’ve suffered an incident or damage to their vehicle – whether it be their pride and joy, life bud of a business, or the family taxi. Therefore, we value taking the time to really communicate with our customers and to fully understand their worries, concerns, or general queries. It is that which has allowed us to become a trusted entity within our industry.

Ultimately, the goal of any credible accident repair centre should be to return a vehicle to the state in which the manufacturer intended upon originally leaving the factory. To do so, CARS uses manufacturer repair methods, the most up-to-date tooling, leading paint refinish materials, and genuine parts to ensure all vehicles leaving the premises are safe and road-worthy.

As a family-run business, we pride ourselves on offering high-quality, efficient, and friendly service to new and returning customers.

If you would like a repair quote, or even just advice about a motoring query you may have, please don’t hesitate to give CARS a call .

About Us: Lisa

Fri, 28 Apr 2023 10:12:05 GMT

Lisa | Director at CARS of Grimsby

Having always had a hand in the business, I officially joined CARS in 2014 following a lengthy career with the Department for Work & Pensions (DWP). Along with Jason, I am responsible for the daily running of the business, specialising in accounts and other financial aspects.

I am passionate about maintaining the CARS ethos of putting the customer at the forefront of everything we do. We wouldn’t be here without you!

My Hobbies: Walking weekends in the Lakes with Jase (talking business!) or on the beach with our dog, Nelly.

Favourite Drink: White Wine & Lemonade or a Whiskey!

Best Car I’ve Ever Owned: Audi TT

Will having a dash cam reduce the cost of my car insurance?

Mon, 03 Apr 2023 08:44:31 GMT

Dash cams are becoming increasingly popular with drivers, as they can be used to provide recorded evidence which can aid and protect motorists in the event of an incident .

There are many types of dash cams available, from simple versions with audio and video recording, to those with numerous add-ons, such as Road Safety Alerts, built in GPS and Time and Date stamping.

There are several ways that having a dash cam can benefit you financially. Firstly, several insurance companies are offering reduced premiums to drivers who have dash cams fitted to their vehicles, as they believe that drivers who know they are being recorded are likely to be more cautious on the roads.

Next, if you are involved in an accident , the dash cam footage can be used as credible evidence to prove who was at fault. This could be extremely helpful in terms of preserving your No Claims Discount, if applicable. To prove what happened during the incident, you can send the footage directly to your insurance company for viewing. Most leading motor insurance companies are now accepting dash cam footage as evidence in the event of a claim.

It is important to note that not all insurance companies offer discounts or financial incentives for having a dash cam fitted. Furthermore, some companies have additional requirements that the chosen dash cam must have. For example, some insurers state that the footage must be high-resolution with clear number plate recognition, whereas other insurers highlight the necessity to have Time and Date Stamping.

Whilst fitting a dash cam is a simple task for many, some insurance companies state that the device must be fitted by an industry professional. We would therefore advise checking each of these points with your insurer.

You should note, if you inform your insurer that you have a dash cam fitted and are benefitting from discounted premiums for doing so, you must be able to provide dash cam evidence to your insurer in the event of a claim. If you are unable to provide relevant evidence to your insurer because your dash cam wasn’t switched on (for example), you may be penalised. Again, we would advise checking the exact terms of use with your insurer.

If you wish to find further information, there are a number of review websites, such as TechRadar, which provide a detailed overview of the dash cams available in the market.

What should I do if my vehicle is written off by my insurer?

Mon, 03 Apr 2023 08:44:30 GMT

An insurance write-off is usually a vehicle which is damaged beyond repair, or beyond the point of the repairs being economical.

The general rule of thumb is that most insurance companies will write a vehicle off if the repair exceeds 70% of its value. However, in some cases the customer has a legal right to have their vehicle repaired up to 100% of its value. If you do not wish for your vehicle to be written off, it is worth asking the insurance company for the finer details around their mathematical calculation. If you do need any help with this, we are on hand to assist.

If you’re involved in an accident and put in a claim with your insurance company, they will assess the damage to the vehicle to decide whether it’s a write-off. This includes a calculation to estimate how much it would cost to repair the damage and whether this is economical, considering the vehicle’s value.

If your insurance company decides your car will be written off, they will usually offer a settlement in line with the market value of the car at the time of the incident, less the excess amount on your policy.

Your vehicle will fall into one of the below categories:

Category A – This typically includes vehicles involved in extreme incidents, such as fires. In this instance, no parts can be recycled or reused, and the vehicle must be destroyed.

Category B – The vehicle is damaged beyond repair, but some parts can be recycled. A Category B vehicle cannot be sold on second-hand, as the vehicle is not allowed to go back onto the road.

Category C – The vehicle can be repaired , but the repairs are likely to cost more than the vehicle is worth. You can continue to use the vehicle if it is repaired to a roadworthy condition.

Category D – The vehicle can be repaired , and the cost of repairs may be less than the vehicle is worth, but additional costs (such as transportation costs), create a total cost which is over the vehicle’s value. You can continue to use the vehicle if it is repaired to a roadworthy condition.

Category N – The vehicle can be repaired following non-structural damage. You can continue to use the vehicle if it is repaired to a roadworthy condition.

Category S – The vehicle can be repaired following structural damage. You can continue to use the vehicle if it is repaired to a roadworthy condition.

When your vehicle is written off, ownership passes to your insurance company who provide you a pay-out in compensation in exchange. You should follow the below steps if your vehicle is written off:

Apply to take the registration number off the vehicle if you want to keep it.
Send the vehicle logbook (V5C) to your insurance provider, but keep the yellow ‘sell, transfer of part-exchange your vehicle to the motor trade’ section from it.
Inform the DVLA that your vehicle has been written off. Please note that you could be fined £1,000 if you do not contact the DVLA.

For further assistance, don’t hesitate to give CARS a call !

Will the points on my licence affect my car insurance premium?

Mon, 03 Apr 2023 08:44:29 GMT

Licence penalty points can be given for several driving offences, the most common being speeding or dangerous driving. The number of points received usually depends on the offence committed. The more serious the offence, the more points received and the higher the potential increase in insurance costs.

If you hold penalty points on your licence, you may pay more for cover, and some insurers might be unwilling to cover you at all. This is because insurance companies calculate the premiums payable based on the risks associated with each individual customer and their individual circumstances.

You are obliged to inform your insurer of any current points on your licence at policy commencement. Please also note that some insurers state in their terms and conditions that they must be notified of any additional points received during the policy term. If you do not disclose penalty points or driving offences to your insurer and then try to make a claim, they may refuse to pay out in full or sometimes, they may not pay out at all.

Whilst it’s not a particularly bad idea to compare car insurance quotes online, it’s not always easy to understand the policy terms and requirements. Simply selecting the cheapest cover could cost you far more if you need to make a claim.

Therefore, we always recommend using a local broker who will ensure you have a policy which meets your needs and will also be there if the worst should happen. If, however, you do choose to purchase your cover online, make sure you read the small print and call the provider to confirm the details with you.

You should consider the cost, level of cover and the voluntary excess you would be able to pay in the event of making a claim. For further information, please visit our blog ‘ How do I choose the right insurance company for me? ’

If you have points on your licence and are concerned about the potential increase in insurance costs, there are a number of variables you could consider to lower the premiums payable:

Consider fitting a telematics device – Telematics devices, known commonly as black boxes, monitor driving styles and provide real-time data to your insurance company. This encourages safer and sensible driving, for which insurance companies may offer lower premiums. In turn, less erratic driving will increase the lifespan of your vehicle.

Increase the voluntary excess amount – Usually, the higher the excess, the lower the premiums. However, you should note that you will be required to pay the excess amount in the event of a claim, so you should make sure you select an excess that you can afford.

Increase your safety measures – The cost of your insurance may increase if your car is parked on a road, rather than a secure garage. You should park your vehicle in a garage if possible.

Have a dash cam fitted – Some insurance companies may offer reduced premiums if you have a dash cam fitted to the vehicle. You should check with the insurance company to identify if this is a possibility for the policy type you are considering. For further information, please visit our blog ‘ Will having a dash cam reduce the cost of my car insurance? ’

What should I look out for when purchasing car insurance?

Mon, 03 Apr 2023 08:44:29 GMT

Car insurance is essential in giving you financial protection in the event of an accident .

What is fully comprehensive insurance?

Fully comprehensive insurance pays out if you damage your car, someone else’s car or cause injury in an accident , even if you’re not at fault. You might also be covered for other events, such as vandalism, for example.

What is third party insurance?

This is the minimum level of cover you can legally hold unless you officially register your car as off-road with a Statutory Off-Road Notification (SORN). This type of policy covers the costs of damage you cause to someone else’s vehicle, as well as any injuries you may cause to a third party. There is no cover if your own car is damaged or stolen.

What is third party, fire and theft insurance?

As above, this covers other people but offers you no protection if your own car is damaged in an accident. This type of policy differs from generic third-party insurance in the way that it covers repairs or replacement if your car is stolen or damaged by fire.

What are car insurance groups?

All cars are assigned a car insurance group from 1 (lowest/ cheapest) to 50 (highest/ most expensive). Your insurer will take this into consideration when calculating your forthcoming premiums. The insurance groups are subject to change and are dependent on several factors, such as:

The value of the vehicle
The vehicle’s safety and security features
The vehicle’s performance
Potential repair costs

As well as numbered groups, lettered suffixes are also allocated to each vehicle, which correlate to the safety level, as follows:

A = Meets the level of security requirements for this vehicle.
D = Does not meet the security requirements for this type of vehicle. This may increase the group allocation of the vehicle and subsequent repair cost.
E = Exceeds the security requirements for this type of vehicle. This may decrease the group allocation of the vehicle and subsequent repair cost.
P = There is not enough available data to classify the car into an insurance group. The rating is therefore classed as provisional.
U = The operative level of security is unacceptable. Usually, the insurer may require you to upgrade the vehicle’s security before providing cover.
G = Applies to imported vehicles which were not built for the UK market.

It is therefore worth noting that ensuring your vehicle has appropriate safety and security measures could result in a lower insurance group classification and lower premiums.

We also recommend exploring the potential cost of car insurance before purchasing a new vehicle. Visit our blog ‘ How do I choose the right insurance company for me? ’ for further information.

What is no-claims bonus?

Most insurers offer you a discount for not claiming on your policy. The discount increases with each year that you don’t make a claim, subsequently reducing your premiums. If you have an accident and you make a claim on your car insurance, you may lose part or all of your no claims discount, therefore pushing your premiums up.

It is important to note that this may remain the most cost-effective option if you need to make a claim following an accident, due to relatively high repair costs.

Protected no claims bonus is where an element of cover is placed on your standard no claims bonus, meaning you can make claims without affecting your discount. Insurance companies may, however, place a limit on the number of claims you can make before losing the additional protection.

What is insurance excess, and do I have to pay it?

The level of compulsory excess is decided by your insurer. The voluntary excess is an amount selected by you, which you agree to pay in the event of a claim. You should therefore make sure you select an affordable excess amount. Usually, the higher the excess, the lower the premiums. At CARS, we offer to help our customers with their excess to make the cost of their claim more manageable.

Will I have to take my vehicle to my insurer’s approved repairer?

In short, no. Your insurance company may try to tell you that you can only use one of their approved repairers, but this is not the case. It is your legal right to take your vehicle to a repair centre of your choice.

Your policy may state that an additional fee will become payable if you choose to take your vehicle to a repairer of your choice, or that they won’t give you a courtesy vehicle. A local repair centre , like CARS, would be able to help you with this additional premium and could also provide you with a courtesy vehicle for as long as required.

You should ask for the following information in respect of the insurance company’s approved repairers:

Location – It is possible that your insurance company may not have any approved repairers local to you and there may also be additional travel or recovery costs associated with getting your vehicle to the garage. It is also possible that it might not be safe to drive to the repairer if your vehicle isn’t road-worthy after an accident. Furthermore, the approved repairer may not be willing to offer you a courtesy vehicle.
Customer Service and Reviews – Before purchasing a product or service, you would usually look at reviews of, say, your top-three choices and pick the best. Insurance companies are unlikely to take this into consideration when agreeing their list of approved repairers. It’s possible that you may receive a better service by taking the vehicle to a local repair centre of your choosing.
Repair methods – Several insurance companies grant their approved repairers the use of second-hand or non-genuine parts during a repair. This can alter the safety and performance of your vehicle. Ultimately, your car should be returned to the state at which the manufacturer intended upon originally leaving the factory.

You may find it effective to use a local broker when arranging car insurance, or if you want just a simple chat, feel free to give us a call and we can offer you impartial advice.

Why is it important to service my car?

Mon, 03 Apr 2023 08:44:28 GMT

Usually, your car is required to be serviced at certain mileage intervals or time spans. This criterion is set by the manufacturer. Whilst servicing your car isn’t technically a legal requirement, there are several reasons why getting your car serviced regularly is vitally important.

Maintaining the value

Should you choose to sell your car in years to come, evidence of regular and reputable servicing (in other words, a full service history), is likely to attract more potential buyers and a higher sale price.

Maintaining the warranty

You may be required to have your car serviced at regular intervals to retain the vehicle warranty. However, do note that you are not required to have your vehicle serviced by the dealer or garage you purchased it from, but you should select a VAT registered garage and insist on the use of OE (Original Equipment) quality parts.

Safety

As part of your service, a skilled technician should carry out essential checks to ensure your vehicle remains safe and road-worthy. Any damaged or worn components could hugely impact your vehicle’s safety and performance, increasing the likelihood of an accident or other damage.

Longevity

Regular services are likely to improve the lifespan of your vehicle – when you take care of something, it usually lasts longer! Having your car serviced at regular intervals is likely to identify early issues which could become more expensive down the line. For example, replacing your air and oil filters ensure your engine is running smoothly and efficiently. Not doing so could result in your engine not being safe for use and requiring repair or replacement, which could be costly.

Future Insurance Claims

Should you make a claim on your car insurance following an accident or other damage, one of the things an insurance engineer could check is whether your vehicle is road-worthy. For example, if your tyres or brakes are in poor condition, it may take you longer to stop in an emergency. Your insurer may refuse your claim because you haven’t mitigated the risk of any damage in an accident. Regular servicing will identify any worn components, ensuring your vehicle is in tip-top condition, keeping you safe as the manufacturer intended.

There are multiple ways you can identify when your car needs a service :

Dashboard warning signals
Unusual sounds, such as squeaking, rattling, or ticking
Vibrations and juddering
Less effective braking
Frequent stalling

At CARS, we offer multiple service types tailored to your individual needs. In some cases, you may even be able to wait with us whilst we fix your vehicle. If you want to get booked in, or just want to have a free health check on your vehicle, pop down to see us!

Why do repair costs vary from garage to garage?

Mon, 03 Apr 2023 08:44:27 GMT

Wouldn’t it be easy if all accident repair centres charged the same for each type of vehicle repair, leaving you only to narrow them down by levels of customer service?

In truth, there are several different variables which impact the cost of a vehicle repair, and each garage will exercise different levels of care and due diligence when looking at these variables. These include, but are not limited to, the following:

Material quality, and whether parts are genuine or second-hand – At CARS, we recommend the use of genuine parts, specific to your vehicle’s make and model. Some repairers may choose to use second-hand or non-genuine parts to lower the cost of the repair, but this may impact the overall safety level of the vehicle. The aim of any high-quality vehicle body repair centre should be to return the vehicle to the standard in which it initially left the factory.

Repair or replace? – Although it may be cheaper to repair a damaged vehicle part in many cases, it may not always be ethical. Some repair centres choose to repair damaged vehicle parts rather than replace them, even where this may compromise the safety level of the vehicle.

Adhering to manufacturer repair methods – The cost of a repair will depend on whether the repairer follows manufacturer guidelines. A high-quality repairer will follow the data provided by the manufacturer and if you’re between garages trying to decide which to use, this would be a good detail to confirm!

Estimate quality and attention to detail – A high-quality repair centre should always have highly-skilled technicians, working to manufacturer methods using quality replacement parts. To ensure that all repairs are carried out to the highest standard, the journey of high quality must start at the point of estimate. For example, estimators should be sufficiently trained to identify damage that may have impacted your vehicle’s Advanced Driver Assistance Systems (ADAS), resulting in a need for recalibration. Additionally, there are multiple paint types used on vehicles, such as metallic or three-stage pearl, which impact the time needed for repair and subsequent repair cost.

Labour rate – Labour rates are variable from business to business. You will often find that main dealers are more expensive due to their guaranteed workflow, whereas independent body shops are more likely to offer a discounted rate to attract the customer.

In summary, whilst any body shop carrying out accident repairs should be quality-focused and reputable, they all operate differently and appeal to customers for different reasons. Whilst hourly rates are important, it is far more important that the repairer puts quality at the forefront of everything they do.

About Us: Jason

jason@cars-grimsby.co.uk (Jason Barker) — Mon, 03 Apr 2023 08:43:58 GMT

Jason | Managing Director at CARS of Grimsby

I was born and raised in Grimsby, and always had a passion for everything automotive! After leaving school, I initially worked on the Docks with my Dad, before venturing into the car industry.

Although I was quite old for an apprentice at age 27, my passion for the car repair industry propelled me at an extreme rate. 25 years later, we own a successful accident repair centre founded on quality and excellent customer service. Our business has gone from strength to strength, and we’ve been at home in our bigger premises on the South Humberside Industrial Estate since 2018.

When you love what you do, it never feels like work – and I never have ‘Sunday feeling’!

Favourite Holiday Destination: Santorini or The Lakes

Favourite Drink: Jack Daniel's Anything

Best Car I’ve Ever Owned: Porsche Cayman S

What happens if I make a claim on my car insurance?

Tue, 28 Feb 2023 16:07:10 GMT

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Each vehicle and incident should be analysed on a case-by-case basis. When a damaged vehicle arrives at CARS , we look at the damage and insurance policy information to establish whether it is most cost-effective for our customer to claim on their car insurance or pay for the repairs themselves.

Nonetheless, many remain concerned about claiming on their insurance due to the potential cost implications.

Firstly, a common concern is that of increased premiums. In actuality, the amount that your car insurance premium may increase by is dependent on several factors, such as the type of claim, the severity of the accident and whether the accident was your fault. Your premiums may increase if you make a claim, however, in some instances, this may be far cheaper than paying for the cost of the repairs outright.

Furthermore, when making a claim on your car insurance, your excess may become payable. This is comprised of the compulsory excess, set by the insurance company at outset, and voluntary excess, set by the policyholder at outset. When commencing a car insurance policy, you should make sure that the excess level you select is affordable, as this will have to be paid in the event of a claim. At CARS, we can help you with this to make the overall cost more manageable.

There is also clear question around how making a claim will impact any no-claims discount you may hold. Any protected no-claims discount is unlikely to be affected if you make a claim. Although, it is important to note that several insurance companies have a rule regarding the maximum amount of times you can make a claim before your discount is affected.

Any impact on your standard no-claims discount will depend on what is written into your policy. For example, there are some instances where your discount will not be impacted, such as where your car has been vandalised or where you’ve been involved in an accident that wasn’t your fault. Alternatively, your discount may be reduced or removed, potentially increasing your premiums if you’re at fault.

When making a claim, your insurance company is likely to tell you that you must take your vehicle to one of their approved repairers. This is not true, and you must be aware of your rights to the following information:

The location of their approved repairers – It is possible that your insurance company may not have any approved repairers local to you and there may also be additional travel or recovery costs associated with getting your vehicle to the garage. You must also consider whether it is safe to drive your car to the repairer. For example, the type of accident and subsequent level of damage may mean that your car is not road-worthy. Furthermore, the approved repairer may not be willing to offer you a courtesy vehicle, potentially leaving you without a way to get back home. We would advise taking your car to a local garage to check whether it is safe to drive to an approver repairer in another location, should you choose to do so. A local garage is likely to be better equipped to give this advice than a claims handler.

Their customer service and reviews – Before purchasing a product or service, you would usually look at reviews of, say, your top-three choices and pick the best. Insurance companies are unlikely to take this into consideration when agreeing their list of approved repairers. It’s possible that you may receive a better service by taking the vehicle to a local repair centre of your choosing.

Repair methods – A number of insurance companies grant their approved repairers the use of second-hand or non-genuine parts during a repair. This can alter the safety and performance of your vehicle. Ultimately, your car should be returned to the state at which the manufacturer intended upon originally leaving the factory.

Whilst you don’t have to take your car to an approved repairer, it is important to note that if you choose an alternative, independent repairer , you should ensure that they have the appropriate knowledge and skill to return your vehicle back to its pre-accident condition.

Your insurance company may state that they levy an additional fee for you choosing an alternative repairer, but at CARS, we can also help you with this charge to reduce the overall costs payable.

We will also take over all correspondence with your insurance company, dealing with all estimates they require, so you don’t have to.

How will vehicle modifications impact my insurance premium?

Tue, 28 Feb 2023 16:07:08 GMT

A car modification is any kind of alteration to a vehicle which changes the way the vehicle looks, performs, or behaves and isn’t part of the factory’s standard specifications.

Any modification is likely to impact your regular premiums. For example, a car with upgraded alloy wheels is likely to be deemed more expensive and is more likely to be broken into. Similarly, if you make engine modifications to increase a car’s power and performance, most insurers will see the vehicle as a higher risk. The premiums will therefore be higher to counteract the increased risk.

In contrast, some modifications may lower your insurance premiums. Parking sensors could reduce the likelihood of causing damage to your vehicle whilst parking, therefore reducing the premiums payable.

Insurance companies may also give you the option to fit a telematics device, known commonly as a black box. These devices monitor driving characteristics, such as acceleration speeds and braking severity, and adjust the premiums accordingly. It is worth noting that whilst this could reward you with lower premiums for safer driving, you may pay increased premiums if your driving is deemed risky in any way. There may also be a penalty for driving at specific times, such as late in the evening.

It is important to note that if a technician comes out to fit a telematics device to your vehicle and discovers any kind of modification which was not declared to the insurance provider, they may refuse to fit the device and ask you to speak directly with the provider before the installation can be carried out. This could result in a second visit to your vehicle and there could be a cost for this.

When purchasing a new vehicle, you should also consider whether there have been any modifications made to the vehicle by the previous owner as these could also impact your premiums. If you are unsure, you could ask a local repair technician to look over the vehicle to ensure you are relaying the correct information to your insurance provider.

Insurance companies may vary in the way they view different modifications. We would advise calling your insurance provider before making any modifications to help you make an informed financial decision.

If you don’t declare modifications on your car insurance and then need to make a claim, your claim may be refused, and your insurance may be void. It could also lead to cover being more expensive in the future.

For further advice, just give us a call !

How do I choose the right insurance company for me?

Tue, 28 Feb 2023 16:07:07 GMT

Selecting the right insurance company can be a difficult task, especially without any professional industry knowledge. At CARS, we want to equip you with sufficient details to enable you to make an informed decision.

In the first instance, individuals usually look to price comparison websites such as GoCompare , uswitch , Compare the Market and Money Super Market to review and compare the policies offered by different insurance providers. Comparison sites allow you to get quotes from multiple providers in one space. Most people then set filters to rank the policies from the cheapest to the most expensive. However, there may be several reasons why comparison sites aren’t always appropriate for your circumstances:

Ranking – Comparison sites often rank entirely in terms of pricing and may not consider other important factors, such as quality and customer satisfaction ratings.

Inclusivity – Some companies choose not to advertise on comparison sites at all, meaning you may not gain an accurate representation of all policies available in the marketplace.

Sponsored Listings – Some sites are sponsored by insurers, meaning they’ll put the policies from those insurers near the top of their listings. Without extensive care and due diligence, this could result in a customer purchasing a more expensive policy, or one which is not aligned to their needs.

Alternatively, you could choose to explore insurance companies via direct channels. Factors to consider include:

Reputation – Research the companies you’re interested in, with a clear focus on their reputation and financial strength. There are a number of different strength rating agencies, such as Moody’s and Standard & Poor’s, which provide detailed reports and comparisons of companies across the industry.

Ease of Interaction – Gain an understanding of how you will be able to interact with the company. Some providers offer ‘live chat’ and 24/7 customer service facilities which may be of particular interest.

Recommendations – The best recommendations are often those which come from family members, friends and colleagues. Similarly, you should consider exploring a company’s reviews to obtain details of other first-hand experiences.

Whether you purchase a policy via a comparison site or direct, you should consider the following points:

Voluntary Excess - This is the additional amount you will pay if you make a claim. The higher the excess, the lower the premiums. You must select an excess that you can afford to pay in the event of a claim.

Approved Repairer – Some insurance companies suggest that you may have to take your car to one of their approved repairers. They may not give you sufficient information on these repairers or their customer reviews. In reality, it is your right to take your vehicle to a repairer of your choice. There may be an additional fee for this, but please give us a call if you’re concerned!

Loan Car – You may require access to a loan car if you’re without your car for a period of time. However, it is important to note that you may only be able to access a loan car from your insurance company if you use one of your insurance company’s approved repairers. Should you take your car to a repairer of your choosing, they may be able to offer you access to a loan car.

We would advise going to a local insurance broker to discuss your policy requirements with them.

If you still find yourself confused after reading the above information, don’t hesitate to give us a call !

How are car insurance premiums calculated?

Tue, 28 Feb 2023 16:07:06 GMT

The cost of your car insurance premium is based on factors that the insurance provider will use to assess how likely you are to make a claim and how big of a risk they believe you to be. These factors include:

Your address – Insurance providers will look at a variety of factors for your residential address, including the average claim history, the crime rate and general driving behaviour.

Your age – Your age can affect how much you pay for car insurance. Typically, young people are considered higher risk drivers due to their inexperience and likelihood of being involved in an incident. Providers often recommend policies with telematics boxes for young drivers, as these monitor driving characteristics and adjust the premiums accordingly. Similarly, older drivers over 70 may pay more for insurance given the likelihood of an accident.

Your occupation – Insurance providers consider whether your occupation increases or decreases the likelihood of you making a claim. For example, social and community workers may pay a higher premium due to the increased hours spent driving and chance of visiting areas which have high crime rates.

Your driving history – Providers will consider your years of experience, prior claims and driving convictions when calculating your premium. They typically want to know of any claims made in the past five years, including any non-fault claims. If you’ve not made any claims for a year or more, you may have accrued an element of no-claims discount, which can lower the cost of future premiums.

Your mileage – Having a higher mileage allowance is likely to increase your insurance premiums, as the further you drive, the more likely you are to be involved in an accident.

The type of vehicle – The make and model of vehicle can impact the premiums payable. More expensive vehicles will create a higher cost for providers in the event of the vehicle being written off and your insurance cost will be higher.

Where your vehicle is left overnight – The likelihood of car theft increases overnight, with more burglaries taking place after dark. Parking your vehicle in a garage or secure driveway is therefore considered safer than parking on a public road. If you don’t have a garage or driveway, we suggest selecting somewhere which is well-lit, with CCTV if available.

How much excess you’re willing to pay – If you make a claim, the total excess payable is made up of compulsory excess and voluntary excess. The higher the voluntary excess, the smaller the amount needed to be contributed by the insurance provider, resulting in a lower insurance premium. However, you must select a voluntary excess amount which you could afford to pay in the event of an accident.

If you need a bit more information or want a chat about any of the above, don’t hesitate to give us a call !

Do I have to take my vehicle to one of my insurer's approved repairers?

Tue, 28 Feb 2023 16:07:03 GMT

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Insurance companies often state that damaged vehicles must be taken to one of their approved repairers. However, if you need a car repair in Grimsby , you have the legal right to choose a repair centre that works best for you – not just the one your insurer suggests.

What Is an Approved Repairer?

An approved repairer is one which is authorised by your insurance provider to repair your car in the event of a claim. This could be because the insurance provider has beneficial pricing rates with the repairer, enabling them to carry out the work for a reduced cost.

Know Your Rights When Choosing a Repairer

You must be aware of your rights to the following information:

The location of their approved repairers

It is possible that your insurance company may not have any approved repairers local to you and there may also be additional travel or recovery costs associated with getting your vehicle to the garage. You must also consider whether it is safe to drive your car to the repairer. For example, the type of accident and subsequent level of damage may mean that your car is not road worthy. Furthermore, the approved repairer may not be willing to offer you a courtesy vehicle, potentially leaving you without a way to get back home. We would advise taking your car to a local garage to check whether it is safe to drive to an approver repairer in another location, should you choose to do so. A local garage is likely to be better equipped to give this advice than a claims handler.

Their customer service and reviews

Before purchasing a product or service, you would usually look at reviews of, say, your top-three choices and pick the best. Insurance companies are unlikely to take this into consideration when agreeing their list of approved repairers. It’s possible that you may receive a better service by taking the vehicle to a local repair centre of your choosing.

Repair methods

Several insurance companies grant their approved repairers the use of second-hand or non-genuine parts during a repair. This can alter the safety and performance of your vehicle. Ultimately, your car should be returned to the state at which the manufacturer intended upon originally leaving the factory.

What to Consider with Independent Repair Centres

Whilst you don’t have to take your car to an approved repairer, it is important to note that if you choose an independent repairer, you should ensure that they have the appropriate knowledge and skill to return your vehicle back to its pre-accident condition.

How CARS of Grimsby Can Help You

Your insurance provider might state that they will charge an additional sum on top of your excess if you choose to take the vehicle to an accident repair centre of your choice. At CARS of Grimsby, we can help you manage this. We will also take over all communication with your insurance company and deal with any estimates which they may require.

Need Car Repairs in Grimsby? Contact CARS First

If you need car repairs in Grimsby or you’ve been involved in an accident, call CARS of Grimsby before contacting your insurer. We’ll give you clear, local advice and handle the full repair process on your behalf.

Car Insurance Jargon Buster

Tue, 28 Feb 2023 16:07:01 GMT

Approved Repairer – A repair centre which has been credited to carry out work on your vehicle by your insurance company. Do remember that you don’t have to use one of your insurance company’s approved repairers and have the right to take your vehicle to a repair centre of your choice.

Comprehensive Cover – The highest level of car insurance coverage, often referred to as ‘fully comp’. With this cover, you’re protected for accidental damage, fire and theft. Some policies also offer cover for medical expenses and damage to personal effects in the car, although please note that policies vary between insurers and you must check this before purchase.

Compulsory Excess – A fixed amount you have to pay when making a claim on your car insurance policy. This amount is determined by your insurer and depends on different factors such as age and car type. This type of excess is set by your insurer and is non-negotiable.

Fault Claim – Usually, this results from an accident where you are to blame or where the insurance company can’t recover the costs from somebody else, for example where the other driver is not insured or cannot be traced.

Fronting – Where a driver declares to a car insurance company that they are the named driver, but someone else is actually the main user of the car.

Insured Value – The total amount that the insurance company will pay out for your car if it’s deemed a total loss, or beyond economical repair.

Modifications – Any changes made to your vehicle which alters the way it looks, behaves or performs. Any alteration made to your vehicle should be declared to your insurer and could impact your premium. You should consider phoning your insurance company before making the changes.

Non-Fault Claim – A claim where your insurer is able to recover the cost of the claim from someone else, usually the person who is to blame for the accident or damage.

No Claims Discount – You receive a years’ no claims discount for each year you drive without making a claim on your insurance policy, subject to an overall maximum. The discount then reduces the cost of your car insurance premium at renewal.

Protected No Claims Discount – If you need to make a fault claim on your car insurance, you may be deemed a higher risk driver in the eyes of your insurer, and this may result in an increase in your premium for the following year. It would therefore be wise to protect your no claims discount, as this means that even if you are considered an increased risk, you will still benefit from an element of no claims discount in future years.

Third Party, Fire and Theft – Insures you against fire, theft or damage to your car if it’s stolen, or any damage you cause to other people and their property.

Third Party Only – This is the minimum level of car insurance required by law. It usually only covers any damage you cause to other people and their property.

Voluntary Excess – The amount you are willing to pay towards the cost of a claim. Usually, the higher the voluntary excess, the lower the regular premium. This is paid on top of compulsory excess.

Visit the Advice Centre for more information, or just give us a call !

What should I do if I'm involved in an accident?

Tue, 28 Feb 2023 16:06:59 GMT

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Firstly, move your vehicle into a safe place, away from any moving traffic.

Your safety and the safety of those around you is most important. If you’re unfortunate enough to be involved in a collision, check on everyone in your vehicle to make sure they are ok. If you, or anyone else involved in the collision is injured, ring the emergency services immediately. Try to remain as calm as possible.

If appropriate to do so, switch on your hazard lights to prevent a further accident occurring. Get yourself and any passengers to a place of safety, ideally away from the roadside and behind available barriers.

Don’t apologise or admit responsibility for the accident until you’re completely aware of what has happened. Instead, obtain the details of the third-party(s), including name, address and insurance information, along with the date and time of the crash.

Taking photographic evidence and obtaining witness statements will also be of significant help should you need to make an insurance claim. Further useful information includes the driving conditions at the point of accident, the road quality and what type of damage was caused.

If the other party(s) leaves the scene without stopping, contact the police immediately. You should also contact the police if you believe the other party caused the collision on purpose.

Phone CARS of Grimsby before phoning your insurance company and we will be there to help you avoid the pitfalls and guide you through the claims process.

How much will it cost to repair my car?

Tue, 28 Feb 2023 16:06:49 GMT

This is one of our most-asked questions. The truth is, there are several variables which can impact the cost of a repair. We want to address these here and equip you with sufficient information, enabling you to make an informed decision when it comes to any future repairs.

These variables include, but are not limited to, the following:

Material quality, and whether parts are genuine or second-hand – At CARS, we recommend only using genuine parts, specific to your vehicle’s make and model. Some repairers may use second-hand or non-genuine parts to carry out repairs. This will lower the cost of the repair, however it is important to note that when a vehicle is manufactured, before being released for sale, the car will go through rigorous testing to establish its safety rating.

The use of non-OE (Original Equipment) will impair the quality of the repair and ultimately, the safety of the vehicle, should it be involved in another incident. The aim of any high-quality vehicle body repair centre should be to reinstate the vehicle to the standard in which it left the factory. After all, we are travelling around in a 70 miles per hour safety cell.

Repair or replace? – In some cases, it may be cheaper to repair a damaged panel than to carry out a replacement. Although a repair in many cases is cheaper, is it always ethical?

On modern cars, more and more, as repairers we are being challenged by the use of different types of metals in vehicle manufacturing. For instance, some panels are made of metals containing alloy. These types of metals are extremely brittle and become weak during impact, and manipulation during the repair process. In a lot of cases, these panels should be replaced.

Conversely, if a repairer is choosing to replace a panel with a high alloy content, the use of incorrect welding equipment can also make this metal extremely brittle, resulting in the vehicle becoming vulnerable if it were to be in another accident.

Adhering to manufacturer repair methods – The cost of a repair will depend on whether the repairer follows manufacturer guidelines. As stated previously, vehicles should always be returned to the state in which the manufacturer intended. This means that the repairer should always follow data provided by the manufacturer and a good start when choosing your repairer would be to ask whether they adhere to this. After all, it will be the manufacturer who is best equipped to provide the best data for repairing your vehicle.

Estimate quality and attention to detail – It is important to note that there will always be grey areas when it comes to choosing whether to repair or replace, among other factors. Estimators have a varying degree of knowledge and experience.

In short, your chosen repairer should have highly skilled technicians, working to manufacturer methods and using quality replacement parts. The only grey areas which will then impact the cost would be estimate quality and the labour rate.

Older vehicles are fitted with passive safety systems that only become active at the point of impact. These safety systems include items such as your seatbelts and airbags. In contrast, newer vehicles have modernised Advanced Driver Assistance Systems (ADAS), such as pedestrian avoidance, automatic emergency braking and blind spot detection, which aim to avoid accidents that usually occur because of human error. These active safety systems rely on multiple data sources which are continually monitoring the external surroundings of the vehicle. The systems use radar, cameras and other devices in image processing, to help your vehicle with collision avoidance.

It is important that an estimator is trained to identify underlying damage which could impact the functionality of ADAS modules, as these systems will usually need recalibrating to ensure the vehicle is safe and road-worthy once repaired. Furthermore, these modules are not always visible. As such, estimators should have access to manufacturer data, enabling them to carry out an investigation to find the specific modules that require recalibration.

The estimator will make the decision to repair or replace based on manufacturer data, in conjunction with their knowledge and experience of accident repair. They should also take into consideration the least intrusive method of repair and how damage to one area of the vehicle could impact other aspects of its safety and performance. Repair centres will incur a cost for the use of this manufacturer data, which will impact the subsequent cost of the repair.

Choosing not to follow the guidelines set out by manufacturers when repairing vehicles may lower the cost of a repair, however this could possibly mean that your vehicle may not respond correctly if it were to be involved in a further incident.

Labour rate – Rates are variable from business to business. Main dealers are often far more expensive than independent body shops. This is mainly because main dealers have a guaranteed workflow, whereas independent body shops are more likely to offer a discounted rate to attract the customer. This may also be reflected in the customer service you receive.

We hope you’ve found this article useful. In summary, here are some key questions you may ask when sourcing estimates from a potential accident repairer :

Are new and genuine parts being used to repair my car? You may be happy to use recycled parts, as this could be better for the environment. However, it would be wise to ask for the history of those parts, and photos of them before having them fitted to your vehicle.

Will the repairer adhere to manufacturer repair methods? The vehicle should always be returned to the state in which the manufacturer intended.

Is the estimator qualified to recognise the exact specification of my vehicle, identifying safety systems such as ADAS? There is more to vehicle repair than meets the eye, and an estimator should be able to identify both visible and non-visible damage.

The real cost to you will depend on whether you choose to pay for the car repairs yourself or make a claim on your insurance. Making a claim on your insurance is often seen as a negative option or last resort, when, although your premiums may increase in future years, this is unlikely to be equivalent to the amount you would pay upfront if you chose to pay for the repairs yourself.

How CARS was founded

Tue, 28 Feb 2023 16:06:45 GMT

CARS of Grimsby is a family-run accident repair centre and was founded in 2012 by Jason & Lisa Barker.

Here are some words from our Managing Director:

After years of upskilling and learning as much as possible about the vehicle body repair industry, I built up a fleet of mobile accident repair vehicles, carrying out work across Lincolnshire and beyond. We reached a point where we’d maximised our growth on this path, and wanted to achieve something bigger…

Initially, we opened our first bodyshop on Birchin Way in Grimsby. We wanted to become the go-to garage in the area, offering credible, non-biased advice, and of course, repairs of the highest quality.

In late 2013, we opened a satellite site offering high quality repairs for the HGV industry . In 2017, we bought our new premises on the South Humberside Industrial Estate and carried out a full refurbishment, including the installation of high-tech estimation and repair equipment, bringing all operations together under one roof.

Almost 11 years from when we first started CARS, we now have a highly qualified and knowledgeable team, offering combined experience of over 100 years and a broad range of auto services throughout Grimsby, Cleethorpes and beyond.

We are a fully independent business and are not associated with any car insurance companies, which allows us to provide a high-quality service and satisfactory customer journey.