A car warranty covers the cost of fixing or replacing car parts if your car breaks down or something goes wrong. If you buy a used car you may still be covered by the manufacturers original warranty or be given a warranty by the dealer.
The dealer selling you the car may offer their own extended warranty, which may be more expensive than shopping around for a car warranty quote
The cost of repairing a car can be expensive. According to Green Flag, four out of 10 cars between four and nine years old break down each year, with an average repair cost of £574.
You can choose from different types of cover – simple mechanical breakdown or comprehensive.
It is not necessarily the case that cheaper the warranty, the less cover it provides. It’s always best to shop around for your warranty and compare quotes to get the best deal.
Most car warranties will cover the cost of repair to the following parts:
engine and fuel systems
clutch and gearbox
Unless included as extra, car warranties don’t cover items such as tyres and batteries, which are subject to wear and tear.
A car warranty quote, for more comprehensive cover may also include cover for damage to your car’s paintwork, and sometimes general wear and tear.
Other options may include:
overnight accommodation for worst case scenarios
More comprehensive policies will also protect parts including:
If your warranty covers wear and tear it could include cover to replace the exhaust or even the air conditioning.
Insurers will often have a list of approved garages and repair shops. You may need to have repairs and servicing done at these places in order to keep your warranty.
The cost of you warranty will depend on the age, make and model, the engine size and how far you drive your car as well as how much cover you want to pay for.
Get a car warranty quote
Car insurance is a necessity and ensures you are covered in the event that your vehicle damages someone else, their vehicle or property.
A car warranty will guarantee your parts if they fail through no fault of your own.
However, it's not black and white. For instance, if your car breaks down through no fault of your own, and as a result, hits another vehicle in the process, your warranty won’t cover the cost of that damage – just for the parts and labour repair.
An extended warranty, also known as an aftermarket warranty, will cover repair to your car after the original warranty expires. Many new cars may include an extended warranty
Before you decide whether to get one you will need to consider how old your car and how long you’ll need it for.
Sometimes you can extend the warranty so that it covers you for a year or two more, or so the warranty includes cover for extra problems. You’ll need to pay a bit extra if you want to upgrade your warranty
Often, you’ll need to pay an amount towards getting the parts replaced and fitted. This is the excess and is normally a few hundred pounds.
Reduce your insurance costs with a multi-car insurance policy.
if you own more than one car
if you’re a family with more than one driver
if you’re a couple with more than one vehicle
Compare quotes for short-term or temporary car insurance
When buying a pre-owned vehicle, you may be offered cover on a car where the original warranty has expired, this is when you would buy a used car warranty.
A used car warranty is really the standard type of warranty that most car buyers look to purchase.
Note that some performance vehicles and classic cars will be excluded from the market.
whether there is a limit to the amount you can claim
is there early claims clause that means you aren’t covered immediately
whether repairs need to be done by a specific chain of garages
your liability if repairs increase the value of your car – known as betterment
what happens if part not covered by your warranty fails and damages another
what about damage that’s been caused in an accident?
do you need longer-term structural corrosion and paintwork warranty too – such as in older or vintage cars
Even if you don’t buy the warranty offered, you should still have some basic protection under the Consumer Rights Act 2015.
if a fault comes to light within 30 days that is automatically considered to have been present at the time of delivery
if something goes wrong within the first six months with a brand new car, the dealer should repair the car or replace it, but may make a deduction for usage
second-hand car buyers have no immediate consumer rights after the 30-day cut off. You would need to prove the dealer knew the problem existed when selling the car. That make having a warranty more important.
stop using your vehicle as soon as problem arises – for example when the dashboard warning lights start showing
get your vehicle serviced at the intervals recommended by the vehicle’s manufacturer
don’t make modifications to the vehicle, or fit non-standard or non-manufacturer approved parts.
don’t put the wrong fuel or fluids into your vehicle