If you have a used car, or have travelled long distances, you will need specialist car warranty insurance that can cover you. Here is how to find a high mileage car warranty:
Find the cover you need
High mileage warranties offer the same cover as standard warranties, but are valid even if you have travelled long distances. Use this comparison to check:
Cover options: You can insure your engine, brakes and suspension, and wear and tear. However, if your mileage is more than 60,000, you may have to pay towards wear and tear claims. Check policy documents for a full list of what is covered.
Mileage limits: This is the maximum distance your warranty will cover, e.g. 150,000 miles. Once this limit is reached, cover will no longer be valid.
Age limits: This is the maximum vehicle age an insurer can cover, e.g. 12 years old. Once your car has reached this age, cover is no longer valid. This means it may not be worth buying a warranty if you have an older car.
Claims limits: This is the most your insurer will pay out per claim. For example, if your claims limit is £7,000, your insurance will pay up to this amount each time you claim. Check your documents to see how many times you can claim during your policy.
Shop around to save money
Use this comparison to find the cheapest cover by getting as many quotes as possible. Once you have your quotes, check the:
Premium: This is how much you have to pay for your policy. You can split this over 12 monthly payments, but it is usually cheaper to pay for the warranty up front in full.
Excess: This is how much you pay towards any claim you make. You may have to pay this to the garage that fixes your car, as most warranty insurers settle claims directly with the repairer.
You can use the Reliability Index website to find out if the cost of a car warranty is cheaper than paying for repairs yourself.
High mileage car warranty FAQs
Do high mileage warranties cost more?
Some insurers charge more if your car has a high mileage. Others may charge the same and restrict cover, e.g. exclude wear and tear claims.
What happens if I go over the mileage limit?
Your warranty will be invalid and you will not be able to claim. You will be better off putting money aside each month to cover any repair costs instead.
Can I get cover for my classic car?
No, because most warranties cannot cover cars that are older than 12 years old.
Am I covered for wear and tear?
Some warranties include cover for wear and tear, but others exclude it for parts like wheels, or altogether. Check the terms of cover for full details.
Am I covered if I take my car abroad?
Yes, most car warranties include limited cover if you take your car on holiday. However, cover may be limited to Europe and to no more than 60 days.
About our warranty insurance comparison
Who do we include in this comparison?
We include high mileage car warranty policies available from our panel of FCA regulated insurers and service plan providers. Here is more information about how our website works.
How do we make money from our comparison?
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.