Every car owner at one point in time or another will have to contend with enormous repair costs for their vehicle if they intend to continue to use the vehicle. This could be because the car is currently undrivable, or that it has failed its MOT; either way, repairs will be necessary. For these instances, finding a way which you can pay more easily is the most important thing. Depending upon whom you go to for the repairs, you could potentially have the option of paying in a payment plan, where you only pay part of the costs of the repair every month. This is very useful for most drivers, and a necessity for some. For these people the only alternative is to continue driving their car until they aren’t allowed to, or are unable to, or they may risk prosecution for driving on an invalid MOT certificate.