Values In Motion:
The Ayan Journal.

Navigating the intersection of ethical finance and smart driving. Your guide to success on and off the road.

Is PCP Halal or Not? Understanding Islamic Car Financing

If you’re a Muslim considering car finance in the UK, you’ve probably come across PCP (Personal Contract Purchase). But the big question is: Is PCP Halal or Haram?

September 16, 2025

Can You Sell a Car on Finance?

Thinking about selling your car but still have finance remaining? You're not alone. Many drivers find themselves in this position, unsure of the legal and financial implications of selling a car that's still under a finance agreement.

September 15, 2025

How Does a Guarantor Work for Car Finance in the UK? (2026 Guide)

Getting approved for car finance in the UK isn’t always easy, especially if you have limited credit history, a low income, or bad credit. That’s where a guarantor can help. A guarantor acts as a financial safety net for lenders, making it easier for people to secure a car finance deal.

September 14, 2025

How to Pass The TfL Topographical Skills Test (2026 Guide)

Passing the TfL Topographical Skills Test is a crucial step if you're applying to become a PHV (Private Hire Vehicle) driver in London. Without it, you can’t get your PCO licence, which means no Uber, Bolt, or other ride-hailing work in the capital.

September 13, 2025

10 Tips to Reduce Car Insurance as a New Driver in 2026

Getting insured as a new driver in the UK can be expensive. Premiums for first-time drivers, especially under the age of 25, are typically the highest in the market. In fact, according to recent data, the average premium for a 17–20 year old can exceed £1,800 annually.

September 12, 2025

10 Cheapest Cars for New Drivers to Insure in 2026

Buying your first car is exciting, but if you're a new driver in the UK, the cost of car insurance can be a serious shock. According to recent reports, drivers aged 17 to 24 see insurance as a bigger hurdle than the car itself.

September 11, 2025

10 Things to Look for When Buying Pre-owned Cars in 2025

Buying a pre-owned car can be a smart financial decision, especially in 2025, where the used car market remains strong due to rising costs of new vehicles and demand for budget-friendly options. However, it’s easy to fall into costly traps without knowing what to look for.

September 10, 2025

What’s the Difference Between HP and PCP?

Choosing the right car finance can be tricky, especially when faced with jargon like HP and PCP. These are two of the most common car finance methods in the UK, but they work in very different ways and can have long-term implications on ownership, costs, and flexibility.

September 9, 2025

How to Get a UK Driving Licence (2025 Guide)

Getting your UK driving licence is an important milestone, whether you’re a first-time driver, new to the country, or upgrading a foreign licence. The process can feel confusing, but with the right information, it’s straightforward and achievable.

September 8, 2025

How to Pay the Heathrow Airport Drop-off Charge in 2025

With the recent fee increase and tighter enforcement around Terminals 2, 3, 4, and 5, knowing how to pay, and avoid being fined, is essential for any driver visiting the UK’s busiest airport.

August 26, 2025