Car warranties can cover the cost of repairing your car if something goes wrong. But the policies themselves can be expensive, and there is often no guarantee they will pay out.

How much does it cost?

When you apply for a car warranty, the price you pay is affected by:

  • The age of your car

  • The make and model

  • The value of your car

  • Your annual mileage

  • Whether your car is driven for social or business use

  • The level of cover you choose, e.g. basic or premium

The higher your level of cover, the more you will pay for your policy.

What can it cover?

This varies greatly between insurance companies, but most car warranties can cover repairs to:

  • Engine

  • Transmission system

  • Fuel and ignition system

  • Air conditioning or cooling system

  • Electrics

  • Gearbox

  • Steering

  • Suspension

  • Non-frictional clutch and brakes

Car warranties often have lots of exclusions for things the policy does not cover, like repairs to tyres. You should compare terms and conditions carefully before you buy a policy, to make sure you get the best cover.

Is it worth it?

Car warranties can be expensive, and the long lists of conditions and exclusions mean they may not pay out when you need them to.

However, if you find a policy that covers you, it could save you a lot of money.

Use this comparison to get quotes. Then check the Reliability Index to see if the cost of a warranty is cheaper than paying for the repairs yourself.

Warranty insurance FAQs

Q

Do I need car insurance if I have a car warranty?

A

Yes, it is illegal to drive without car insurance. Warranties only cover broken parts; here is what car insurance covers and why you need it.

Q

Can I get a warranty included in my car insurance?

A

No, you will need to buy your warranty separately from your car insurance. You can use this comparison to get quotes.

Q

How long do car warranties last?

A

Most policies run for 12 months, with the option to renew when the cover ends. Some warranties run for 6 months or less, so check with the insurer.

Q

Can I get cover for a used car?

A

Yes, but most insurers do not cover cars over 10 years old or with a mileage of more than 60,000 miles. Compare high mileage warranties here.

Q

Am I covered for wear and tear?

A

Most policies do not cover wear and tear, but some can include it for an extra price. Check the insurer's policy documents to be sure.

Q

Can I choose which garage repairs my car if I claim?

A

Most policies state that you must use your nearest authorised garage for any repairs. This is usually listed as a condition of cover in your policy documents.

Q

Am I covered for roadside assistance if my car breaks down?

A

Yes, most car warranties offer breakdown recovery. If it is not automatically included in your policy, you may be able to pay extra to add it to your cover.

Q

How much can I claim for?

A

Most policies include a claims limit which restricts how much your insurer will pay per claim. Check your policy documents for full details.

About our warranty insurance comparison

Q

Who do we include in this comparison?

A

We include car warranty policies available from our panel of FCA regulated insurers and service plan providers. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.