Car Costs UK 2026 — Running Costs, Finance Options and Buying Guide
MOT and Servicing Costs UK — What to Expect
Guide to car MOT and servicing costs in the UK. What's included, typical prices, when servicing is needed, and how to save money on maintenance.
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Regular servicing keeps your car safe and protects its value. Here’s what it costs.
MOT Test
What Is an MOT?
| Feature |
Details |
| What it is |
Annual roadworthiness test |
| When needed |
Cars 3+ years old |
| Tests |
Safety and environmental standards |
| Valid for |
12 months |
| Legal requirement |
Yes, for road use |
MOT Costs
| Fee |
Amount |
| Maximum legal fee |
£54.85 (cars) |
| Typical charge |
£35-£50 |
| Discounted/free |
Often with service |
What’s Tested
| Category |
Items Checked |
| Lights |
All lights working |
| Brakes |
Efficiency and condition |
| Tyres |
Tread depth (1.6mm minimum) |
| Steering |
System condition |
| Suspension |
Worn parts |
| Exhaust |
Emissions and security |
| Bodywork |
Sharp edges, corrosion |
| Windscreen |
Chips in driver’s view |
Pass/Fail/Advisory
| Result |
What It Means |
| Pass |
Roadworthy, good for 12 months |
| Advisory |
Items to monitor, not failures |
| Minor defects |
Noted but passed |
| Major defects |
Fail — must be repaired |
| Dangerous defects |
Fail — not safe to drive |
If Your Car Fails
| Option |
Details |
| Repair and retest |
Free partial retest within 10 days |
| Leave for repairs |
At testing garage |
| Take elsewhere |
May need full retest |
| Drive home |
Only if no dangerous defects |
Car Servicing
Service Types
| Service |
What’s Included |
Typical Cost |
| Interim/minor |
Oil, filter, basic checks |
£80-£150 |
| Full/major |
All fluids, filters, comprehensive |
£150-£300+ |
| Manufacturer service |
As per handbook schedule |
£200-£400+ |
What’s Included
| Interim Service |
Full Service (Adds) |
| Oil change |
All of interim plus… |
| Oil filter |
Air filter |
| Basic safety checks |
Fuel filter (diesel) |
| Top up fluids |
Cabin/pollen filter |
| Tyre check |
Spark plugs (petrol) |
| Lights check |
Brake fluid |
| — |
Full inspection |
Service Schedule
| Interval |
Service Type |
| 6 months / 6,000 miles |
Interim (some cars) |
| 12 months / 10,000-12,500 miles |
Full service |
| 24 months / 20,000 miles |
Major service |
| Varies |
Check manufacturer handbook |
Dealer vs Independent
| Factor |
Main Dealer |
Independent |
| Cost |
£200-£400+ |
£100-£200 |
| Parts |
Genuine OEM |
OEM or quality equivalent |
| Warranty |
Often required perception |
Can use if qualified |
| Convenience |
Often extras included |
Usually basic service |
| Trust |
Brand backing |
Find reputable garage |
Typical Costs
By Service Type
| Service |
Independent |
Main Dealer |
| MOT |
£30-£50 |
£50-£55 |
| Interim service |
£80-£150 |
£150-£200 |
| Full service |
£150-£250 |
£250-£400 |
| MOT + Service |
£130-£200 |
£250-£350 |
By Car Type
| Car Type |
Service Cost Range |
| Small hatchback |
£80-£200 |
| Family car |
£100-£250 |
| SUV |
£150-£300 |
| German premium |
£200-£400+ |
| Luxury/performance |
£300-£600+ |
Common Repair Costs
| Repair |
Typical Cost |
| Brake pads (pair) |
£100-£200 |
| Brake discs + pads |
£200-£400 |
| New tyres (each) |
£50-£150 |
| Battery |
£80-£200 |
| Alternator |
£200-£400 |
| Clutch replacement |
£400-£800 |
| Timing belt |
£300-£600 |
Common Advisory Items
| Item |
When to Address |
| Brake pads worn |
Within next few thousand miles |
| Tyre tread low |
Before reaching 1.6mm |
| Suspension wear |
Usually can wait till next service |
| Oil leak minor |
Monitor closely |
Replacement Intervals
| Part |
Typical Interval |
| Timing belt |
60,000-100,000 miles |
| Brake fluid |
Every 2 years |
| Coolant |
Every 3-5 years |
| Transmission fluid |
30,000-60,000 miles |
| Spark plugs |
30,000-60,000 miles |
Saving Money
MOT Savings
| Strategy |
Saving |
| Free MOT with service |
£35-£55 |
| Halfords autocentres |
Often competitive |
| Local independents |
Often cheaper |
| Check tyres/lights yourself |
Avoid easy failures |
Service Savings
| Strategy |
Saving |
| Use independent garage |
30-50% |
| Buy parts yourself |
Sometimes cheaper |
| Service plans |
Spread cost, fix price |
| Compare quotes |
Significant variation |
DIY Where Possible
| Easy DIY |
Harder (Leave to Garage) |
| Top up washer fluid |
Timing belt |
| Check tyre pressures |
Brake repairs |
| Replace wiper blades |
Suspension work |
| Replace bulbs |
Anything safety-critical |
Finding a Good Garage
| Source |
How |
| Personal recommendations |
Ask friends/family |
| Online reviews |
Google, Trustpilot |
| Good Garage Scheme |
Vetted members |
| RAA approved |
Inspection standards |
Service Records
Why They Matter
| Benefit |
Details |
| Resale value |
Full history adds value |
| Warranty |
May be required |
| Peace of mind |
Know car maintained |
| Problem diagnosis |
History helps mechanics |
What to Keep
| Document |
Why |
| Service stamps |
In service book |
| Invoices |
Proof of work done |
| MOT history |
Available online |
| Receipts |
For warranty claims |
Summary: Maintenance Checklist
Annual Requirements
| Item |
When |
| MOT |
Each year after car is 3 |
| Service |
Every 12 months / 12,000 miles |
| Tax |
Keep current |
| Insurance |
Keep current |
Typical Annual Costs
| Item |
Budget |
| MOT |
£40-£55 |
| Service |
£150-£300 |
| Tyres (if needed) |
£200-£400 |
| Repairs (average) |
£100-£300 |
| Total |
£490-£1,055 |
Signs Your Car Needs Attention
| Warning |
Possible Issue |
| Warning lights |
Various - check promptly |
| Unusual noises |
Bearings, brakes, exhaust |
| Pulling to one side |
Alignment, brakes |
| Vibration |
Tyres, brakes, wheels |
| Poor fuel economy |
Service needed |
Key Dates
| Milestone |
Action |
| MOT due date |
Book 2-4 weeks early |
| Service due |
Check mileage and date |
| Timing belt interval |
Don’t miss this |
Regular maintenance costs money but prevents expensive breakdowns and keeps your car safe. Budget for ongoing costs and shop around for the best value.
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