This comparison includes car warranties that cover replacement parts and labour costs if your car breaks down. You can find the cover you need by:

  • Comparing quotes to save money

  • Checking what cover you can get

Save money by shopping around

You may be offered a parts and labour warranty by the dealership when you buy your car, but you could save money by waiting to compare policies.

Compare as many quotes as possible to make sure you get the best cover at the cheapest price.

Check the limits

The main limits to look for are:

  • Claims limit: This is the most an insurer will pay per claim. You can check the average repair costs for your car on the Click Mechanic website.

  • Maximum hourly rate: This is the most an insurer will pay for labour costs. Check the policy documents, because if a garage charges more than the maximum rate, you may have to pay towards the cost.

  • Age limit: Most policies do not cover cars over 12 years old, and some only cover vehicles under 5 years old. Check the terms before you buy to make sure your car can be covered.

  • Mileage limit: This is usually between 60,000 and 100,000 miles. If your car exceeds this limit, your warranty will not be valid. If you have a car with high mileage, look for a warranty that can cover you.

Service plan vs insurance

This comparison includes both service plans and insurance policies. Check the type of warranty before you buy, as insurance policies offer more consumer protection.

The main differences between service plans and insurance policies are:

  • Service plans can be offered by car manufacturers, dealerships or warranty providers. They are not regulated by the FCA, and you will not be able to go to the Financial Ombudsman Service (FOS) with any complaints.

  • Insurance policies can only be offered by FCA regulated financial companies. This means any complaints you have can be escalated to the FOS, and you have a 14 day cooling off period in which you can change your mind.

Parts and labour FAQs

Q

Can I get a warranty for an older car?

A

Yes, although your options may be limited depending on the age of your car. Compare used car warranties here.

Q

Which parts are not covered by a car warranty?

A

This varies between policies, so check your documents for a full list of which parts are not covered. Here are the main car warranty exclusions.

Q

Can I get my car repaired at any garage?

A

It depends on your provider, but you may have to get your car repaired at an authorised garage. Here is more on how to claim for repairs.

Q

Can I cancel my cover if I change my mind?

A

Yes, if you have a warranty with an insurance provider, you get 14 days to cancel without being charged.

Q

Am I covered if my car breaks down abroad?

A

Yes, most car warranties include cover if you take your car on holiday. However, cover may be limited to Europe and to no more than 60 days.

Q

Is wear and tear covered?

A

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.

About our warranty insurance comparison

Q

Who do we include in this comparison?

A

We include parts and labour 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.