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CAR WARRANTY

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What is a car warranty?

A car warranty covers the cost of repairing your vehicle if it suffers certain mechanical or electrical issues during a set timeframe or a set number of miles. For a new car this is typically three years or 60,000 miles (whichever you reach first), whereas a used car might only have a three or six-month warranty.

When your car’s warranty runs out you can pay to extend it via:

  • The manufacturer

  • The dealer

  • A car warranty company

There are lots of specialist warranty providers to choose from so let MoneySuperMarket do the hard work for you. You can compare warranty quotes simply by telling us a few details about yourself and your car.

woman in car

What types of car warranty are available in the UK?

  • New car warranty

    ✔ Comes with a newly bought car from the manufacturer

    ✔ Typically lasts three years or when you reach 60,000 miles

    ✔ Some manufacturers offer longer warranties up to 100,000 miles

  • Used car warranty

    This could be be provided by:

    ✔ A franchised dealer

    ✔ The car manufacturer as part of an approved used car scheme or if there is still time or mileage remaining on the original warranty

    ✔ A third party - you can either take this out after purchasing a car from a private seller or if you purchase a car from an independent dealer they may provide a warranty from a third party

  • Extended warranty

    For when your existing warranty runs out or you want longer cover than the standard one being offered.

    Can be purchased from:

    ✔ the car manufacturer

    ✔ a dealer

    ✔ a third-party provider

What’s covered by car warranty?

All car warranties vary slightly depending on the manufacturer or warranty provider and the specific warranty plan.

Most warranties include and exclude the following:

  • 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

  • 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's the difference between car warranty and car insurance?

Car warranty

Car insurance

Is it required?

Not legally required

(instead you have protection under the Consumer Rights Act if you buy from a car dealer)

Legal requirement

(you must have at least third party cover)

What it covers

Covers mechanical and electrical faults

Protects you if your vehicle is stolen, damaged in a fire or an accident, depending on the level of cover

How much does car warranty cost?

The cost of a car warranty policy depends on a range of factors, including:

  • money bag

    Warranty length

    Generally, longer warranties cost more as the risk of repairs increases over time.

  • icon breakdown

    Level of cover

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

  • icon milage

    Your excess

    Like car insurance, you can set a voluntary excess limit and increasing or decreasing this will affect the cost of the warranty.

  • icon car

    Your car’s make and model

    Premium cars may have more expensive parts and more sophisticated technology which makes them more costly to repair.

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    Your car’s age

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

  • icon

    Mileage

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

Is it worth getting a car warranty?

Whether or not you need a car warranty depends on a number of factors, including your car’s age, its value, its reliability and your budget. But a warranty can:

  • Give you peace of mind

  • Protect you from unexpected repair bills

  • Protect you from rising inflation

  • Make you car more desirable when you sell it, if the warranty is still active

woman by broken down car

Our expert says…

If you have a manufacturer warranty it’s essential that you maintain your car in line with the recommended service schedule, which is set out in your handbook or service record, and fit manufacturer-approved parts or you risk invalidating your warranty.

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:

  • Level of cover

    Make sure the warranty covers the parts and repairs that are most important/more expensive for you.

  • Length of cover

    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.

  • 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.

  • Restrictions

    Check if you are restricted where your car can be repaired or if any other limitations apply such as a maximum payout.

  • 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 cover, and the length of cover when making your decision.

Yes, you can buy a warranty from a third party provider, if the car dealer doesn’t include a warranty or your car is not part of a manufacturer approved-used scheme. Be aware that there may be age and/or mileage limits.

Brake pads, windscreen wipers and tyres are parts which are not usually covered by a car warranty as they are subject to normal wear and tear. However, you can buy some warranties which cover wear and tear.

Yes, if you want a longer warranty you can pay to extend it.

Yes, if you’re buying a new electric car the manufacturer will provide a warranty like they do for a petrol or diesel car. They will also provide a warranty for the EV battery. You can also get a warranty on a used electric car from a dealer or a third-partry provider or as part of a manufacturer approved-used scheme.

Frequently Asked Questions

How do I take out a warranty for my car?

To get quote for a car warranty you’ll need to provide details such as:

  • Your name, address and date of birth

  • Your car registration

  • Your car’s current mileage

  • How much you paid for your car

  • Your car’s service history

  • The length of warranty you’re looking for

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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.

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.