Car Repairs

Repair or Replace a Damaged Car? Understanding Your Customers’ Tipping Point

Repair or Replace a Damaged Car? Understanding Your Customers’ Tipping Point 1200 628 Payment Assist Blog

When a car is damaged, deciding whether to repair it or replace it can be a tricky choice for many drivers. A recent survey has shed some light on the tipping point at which motorists might decide not to repair their damaged cars and why they might replace them instead. If you run a garage or repair centre, getting a handle on this tipping point and offering flexible finance options can help to increase repair rates. That means your customers can get their cars back on the road rather than feeling forced into an expensive write-off.

Car Repairs Can Be a Real Financial Struggle.

It’s no surprise that the rising cost of car repairs leads people to toy with fixing versus replacing a damaged car. When something major like engine repairs, wheel repairs, or bodywork is needed, a lot of drivers face that same dilemma. The survey – conducted by CarGurus – interviewed 1,000 motorists across the UK.

It found that an unexpected repair bill of £772 is one of the three breaking points that prompt drivers to consider their car a write off, and look for a new vehicle. Once repair costs approach or exceed this amount, the financial burden can feel overwhelming, especially for those with tight budgets. This explains why nearly three-quarters (72%) of participants in the study said they’d feel stressed at the thought of having to spend money on unplanned car repairs.

Why Do Drivers Go for a Replacement Over a Repair?

There isn’t any single answer to this question, but it seems that the decision to replace a car instead of repairing it stems either from financial limitations or the perceived value of the vehicle. For example, if a car is worth £3,000 and the damage requires £2,500 worth of repairs, it’s easy to understand how this might be seen as a bad investment. They might believe that spending nearly the car’s worth on repairs doesn’t make sense, especially if it’s an older car that might need more repairs in the future.

Convenience could be another key factor.

The cost and hassle of repairs – and the fear of recurring issues – can make buying a new car seem like an easier and more financially sensible option. This is exacerbated by the fact that many new and second-hand dealerships offer finance options to make accessing a new car easier. Immediate financial pressures of car repairs can make it feel difficult or impossible to spend a large, upfront sum on car repairs.

That’s Where Flexible Finance Options Can Help

Flexible finance solutions can help motorists take the necessary steps to repair their damaged cars without having to face the full financial burden upfront. They provide a way to spread the cost of repairs over a manageable period, which makes paying for big jobs like engine repairs, bodywork, or wheel repairs much more feasible.

For lots of customers, this is a massive difference.

The ability to break down the cost of car repairs into smaller, more affordable payments might be the deciding factor between repair and replacement. If you offer interest-free, straightforward payment plans, you can ease the financial strain of the repairs and make it easier for drivers to choose fixing their car over scrapping it and getting a new one.

Why It’s Important to Understand the Tipping Point

If you own a repair centre or garage, you’ve got to get a handle on your customers’ tipping point when it comes to the cost of repairs. This is mainly because it helps you tailor your services and makes them more accessible, but there are other brilliant advantages, too.

Flexible finance could improve retention and trust.

Across sectors, we know that the outlook of customers changes when they feel valued and seen. You can promote a real sense of loyalty by showing your customers that you take their concerns seriously and that you identify with their real-life situations. This boosts confidence both in the repair process and the people who provide it.

Looking for a Flexible Finance Partner?

When your customers are faced with high costs, Payment Assist can help you to help them. Our service helps to break down substantial repair fees into manageable, interest-free monthly payments. Instead of feeling overwhelmed, your customers gain confidence, trust, and a sense of control over their finances.

With Payment Assist, you can:

Offer Interest-Free Payments: Customers pay no additional charges.
Maintain a Simple Application Process: Quick, transparent steps.
Provide Customisable Plans: Tailor instalments to each customer’s circumstances.
Promote Customer Retention: A supportive payment structure encourages repeat visits.

To find out more about how Payment Assist can support your business, get in touch with us today. Our team will be happy to help you.

FAQ

  • Most common repair expenses, from minor jobs to bigger mechanical ones, can be covered.

     

  • No, arranging a plan is very straightforward. You can find out more here.

  • Payment Assist provides interest-free instalments, keeping the total cost unchanged.

  • Approved plans begin promptly so that essential repairs can proceed without delay.

Why Are Car Repair Costs Higher in Winter?

Why Are Car Repair Costs Higher in Winter? 1200 628 Payment Assist Blog

Winter always feels like the time when everything gets more expensive, and car repair costs are usually no exception. The colder months bring common car issues that can push up the price of getting back on the road. Understanding how and why this happens can help you to plan ahead and avoid unnecessary stress, as can opting for a Payment Assist garage that offers car repair finance.

Increased Wear and Tear

Winter weather takes a big toll on vehicles. Cold temperatures, icy roads, and increased use of features like heaters and defrosters put extra strain on your car, as does gritting roads. But what common car issues can you expect in winter?

Battery Failures

Car batteries struggle in the cold. Freezing temperatures make them much less efficient, leading to more replacements.

Tyre Issues

Wet, icy, and salted roads wear down tyres faster. Damage like punctures is also more common during winter, potentially due to reduced visibility from shorter days.

Bodywork Problems

Water and grit spraying up onto your car can cause problems to the bodywork if left unchecked. Research shows that rust is much more commonplace throughout the wet, cold months.

Brakes

Slippery conditions mean your braking system needs to work harder, leading to wear and tear that needs addressing.

There’s also a Higher Labour Demand

Winter is the peak season for garages. Icy conditions and poor visibility cause more accidents, breakdowns and emergency repairs. This spike in demand means that repair centres are busier than ever, and labour prices can sometimes increase.

Emergency repairs also tend to take priority, meaning your local garage might need to schedule in-demand mechanics for longer. Sometimes, those costs are reflected on the bill for your car repair costs.

The Repairs that Take Place are More Complex

The common car issues that crop up during winter are usually more time-consuming and expensive to fix. A frozen radiator or seized engine component isn’t always a quick job. Water and grit on the roads can worsen rust or corrode parts, which need more intensive repairs.

If a simple fault goes unnoticed, it can escalate into a bigger problem. For instance, a cracked hose left unfixed in cold temperatures can cause expensive long-term damage to a cooling system.

Parts Often Have Seasonal Shortages

For the reasons we’ve spoken about, winter weather increases the demands for a whole host of car parts. Batteries, tyres, and wiper blades can all become much more sought-after as the temperature drops. This surge can lead to shortages, especially if you drive a less common make or model.

When parts are harder to source, garages might charge more for them, or you might find delays in waiting for your stock to arrive. This can cause some people to try to source the parts themselves, further pushing up costs.

Garage Running Costs Go Up in Winter

Fuel prices tend to rise in colder months, and garages – like all businesses – have to factor in those costs. Heating a workshop, paying for additional tools to handle winter-specific jobs, and managing salt-damaged equipment all contribute to running costs. Unfortunately, these expenses can sometimes cause your car repair costs to rise.

Preventative Maintenance

Many drivers book their cars in for winter checks, like antifreeze top-ups or tyre replacements, to get ready for the cold. This is a very sensible move, but it does mean that garages have to handle more pre-emptive maintenance on top of urgent repairs. This mix of services can lead to longer wait times and slightly higher car repair costs as garages might need to juggle their workloads.

How to Manage Your Winter Car Repair Costs?

It’s true that some winter car repair costs are unavoidable, but there are always ways to manage them and keep yourself on the go without breaking the bank.

1.     Book Regular Services

If you stay on top of the routine maintenance needs of your car, you’re much more likely to catch small issues before they blow up into big, expensive problems.

2. Check Your Battery

If your car battery is over three years old, have it tested before winter. A quick check might just save you a costly and inconvenient breakdown.

3. Monitor Your tyre Tread and Pressure

Ensure your tyres are winter-ready to prevent avoidable damage or incidents.

4. Top Up Your Fluids

Keep antifreeze and washer fluid levels high to protect your engine and improve visibility on dark winter evenings.

5. Choose a Payment Assist Garage

Spread the cost of unexpected repairs with car repair finance options to keep your car on the road during winter.

Don’t Let Winter Car Repair Costs Catch You Off Guard

Payment Assist offers a simple way to spread the cost of repairs without interest or fees. Whether you’re looking to fix common car issues or tackle unexpected expenses, garages with Payment Assist can give you a real leg up. With car repair finance solutions, you can make sure your car runs smoothly without financial strain.

Get in touch with our team to find out more about how Payment Assist works, or sign up today to experience the benefits.

FAQ

  • Cold weather reduces your battery’s ability to hold a charge and increases the energy needed to start your car.

  • Yes, if you’re able to. Winter tyres improve the grip and safety on icy or wet roads. They also reduce wear on standard tyres during colder months.

  • Look at your tyres, battery, antifreeze levels, and wipers. Make sure your heating and defrost systems are working properly, too.

  • Yes, Payment Assist lets you spread the cost of repairs interest-free, making unexpected bills more manageable.

  • Not always, but higher demand for labour and parts can sometimes lead to higher costs for urgent work.