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Cover, claims and the cost of a car
Insure Before DrivingCover, claims and the cost of a car

Vehicle Costs

A documented service history is worth money on the day the car is sold

Maintenance records are evidence rather than paperwork, and a buyer who cannot see what was done has to price the possibility that nothing was, which is why a gap costs more than a bad entry.

By Vaishnavi Rao3 min read

Detailed black and white close-up of a car engine bay with visible components.
Photograph by Artem Podrez via Pexels
General information. This is journalism, not personalised financial advice. Rates, rules and figures change and vary by country — check current terms before acting. How we work.

Common questions

Does a car have to be serviced at a franchised dealer?

For a used vehicle, generally no, and in many markets consumer or competition rules protect the right to use an independent garage without losing manufacturer warranty cover, provided the correct schedule, parts and fluids are used and the work is documented. The rules are local and any warranty terms should be read directly.

How much value does a missing service history cost?

It varies by model and by age, and no general figure means anything. What is consistent is that buyers discount uncertainty more heavily than they discount known problems, and that the discount tends to be larger than the cost of the services that were skipped.

Are digital service records better than a stamped book?

They are harder to falsify and easier to lose sight of. Work done outside the manufacturer network may never appear in the system, so keeping independent invoices remains worthwhile whichever format the official record takes.

Vehicle Costsrunning costsservicingownershipdepreciation
Vaishnavi Rao
Editor, Insure Before Driving

Vaishnavi covers cover types, claims, premiums and the questions readers actually send in and reads the small print so you do not have to.