The value of the car
The more expensive, the more it may cost to repair
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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.
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.
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.
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.
All car warranties vary slightly depending on the manufacturer and the specific warranty plan but most warranties include and exclude the following:
Air conditioning faults
Engine
Transmission
Steering
Brakes
Electrical system
Breakdown cover and roadside assistance if it's a result of a fault listed above
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
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:
The more expensive, the more it may cost to repair
The older it is, the more likely it may be to break down and have more expensive labour costs
The more use the car has, the more likely you may be to activate the car warranty
Some car warranty providers offer cover for more than just the engine or mechanics
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
When choosing a car warranty plan, there are a number of things you should look out for, including:
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.
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.
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.
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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