It depends on what level of cover you have, but most car warranties include repairs to your:

  • Engine and suspension

  • Clutch and brakes

  • Transmission system

  • Fuel and ignition system

  • Air conditioning

  • Electrics

  • Gearbox

  • Steering

Check the claims limit, as this is the most an insurer will pay if you make a claim. Check exactly what is covered here.

Lots of policies also include extra features, like breakdown recovery or hire car cover while yours is being repaired.

What is not covered?

All car warranties list parts that are covered, but they vary depending on your policy. The main exclusions that apply to most warranties are:

  • Batteries, wheels, tyres, exhausts, catalytic converters, worn out clutches and brakes

  • Damage caused by oil leaks

  • Cars used for competitions, commercial deliveries or as taxis

  • Damage caused by frost, blockages, contamination or sludge

  • Poor workmanship or faulty components

Get quotes, and then check the Insurance Product Information Document (IPID), a simple two page document that provides clear information about all levels of cover, restrictions and exclusions. Always refer to policy terms for full details of all policy benefits and limitations.

Do you need a warranty?

Whether your new car warranty is ending or you have just purchased a used car, a warranty could save you money and give you peace of mind. Of course, if the part you need fixing isn’t covered it could be an unnecessary investment. It’s always best to check out what’s covered.

There is no way to guarantee that a warranty will pay out when you need it to, but it could give you peace of mind if you own a car that is prone to breaking down.