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CAR WARRANTY

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What is a car warranty?

A car warranty can offer protection in addition to car insurance, as it covers the cost of labour and parts over an agreed timeframe if your vehicle needs repairing due to mechanical or electrical failure. Warranty term lengths vary, but on a new car a typical example is three years or 60,000 miles. - whichever you arrive at first.

What is an extended car warranty?

An extended manufacturer warranty is an option usually available to you from your car manufacturer/dealer, or an independent specialist provider after your initial warranty has expired to give you peace of mind. While the original warranty will be included in the car price, an extended warranty will usually be an added cost.

woman in car

What types of car warranty are available in the UK?

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    New car warranty

    This warranty comes with a newly bought car from the manufacturer which usually lasts three years or when you reach a mileage of 60,000.

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    Used car warranty

    Depending on the age and mileage of the car, you may be covered by the original warranty. A used vehicle warranty can also be purchased by a used car dealer.

What’s covered by car warranty?

All car warranties vary slightly depending on the manufacturer and the specific warranty plan but most warranties include and exclude the following:

  • Tick

    What’s covered:

    • Air conditioning faults

    • Engine

    • Transmission

    • Steering

    • Brakes

    • Electrical system

    • Breakdown cover and roadside assistance if it's a result of a fault listed above

  • Cross

    What isn’t covered:

    • Frictional or serviceable parts that wear naturally
      This includes brake pads and wiper blades, exhausts, tyres and clutches.

    • Routine maintenance
      MOT, service, and oil changes are not included in a warranty policy

    • Theft, loss, or accidents
      This will be covered under your car insurance policy

    • Damage from natural disasters
      Such as floods or hurricanes

What affects the cost of a car warranty?

Be sure to factor in the cost of the warranty, the level, quality and length of coverage when making your decision. The cost of a car warranty policy depends on a range of factors, starting with the vehicle itself. For example:

  • money bag

    The value of the car

    The more expensive, the more it may cost to repair

  • icon breakdown

    The age of the car

    The older it is, the more likely it may be to break down and have more expensive labour costs

  • icon milage

    The miles on the clock and the miles you drive

    The more use the car has, the more likely you may be to activate the car warranty

  • icon car

    The level of cover

    Some car warranty providers offer cover for more than just the engine or mechanics

Our expert says…

The length of a new car warranty varies by manufacturer, with Kia, MG and SsangYong all offering seven years. If you’re buying a used car that may mean there is still some of the warranty period left. Regardless of whether you have a manufacturer warranty or a warranty from an independent provider, make sure you check the small print so you understand what is and isn’t covered, and what the restrictions are.

Sarah Tooze Car & Van Insurance Expert

What should I look out for when choosing a car warranty?

When choosing a car warranty plan, there are a number of things you should look out for, including:

  • Plus

    Level of coverage

    Make sure the warranty covers the parts and repairs that are most important/ more expensive for you. If you have a new car, you may want to choose a warranty that covers both major and minor repairs.

  • Plus

    Length of coverage

    Choose a warranty that lasts for the length of time you plan to keep your car. This will give you peace of mind knowing that you are protected from the cost of unexpected repairs.

  • Plus

    Warranty provider

    Do some research to make sure you are buying a warranty from a reputable provider. Read reviews from other customers and see what they have to say about the company's customer service and claims process.

  • Plus

    Cost

    Compare quotes from different warranty providers to get the best deal. Be sure to factor in the cost of the warranty, the level of coverage, and the length of coverage when making your decision.

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Yes, if your issue is not covered under your warranty policy, the fault is a pre-existing issue or your car warranty has expired, your claim can be rejected.

Car insurance is a legal requirement to drive in the UK. A car warranty protects you from unexpected repair costs that are not your fault.

Whether or not you need a car warranty depends on a number of factors, including your budget, the type of car you drive, and how often you drive.

This depends on the types of issues found in your MOT and what is included in your warranty policy

An extended car warranty can help to protect you from the unexpected financial burden of major repairs.

To submit a car warranty claim, you will need to contact the car manufacturer or seller. They will be able to tell you how to proceed and whether your claim is covered by the warranty.

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