Even if your car’s been around the block more times than most, a Click4Warranty policy could offer the right cover to protect you from expensive repair bills.
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Car warranty cover is a type of insurance policy that covers the cost of repairs to your car if parts fail or it breaks down.
Warranties are usually included when you first purchase your car, but these may run for as short a time as a few months (in the case of a used car) or a fixed time period and mileage limit. The warranty on a new car generally lasts longer, typically three years or 60,000 miles, whichever comes first.
Note: some manufacturer warranties last up to seven years and continue to cover the car even after it’s been sold to a new owner as a used vehicle subject to mileage and certain terms and conditions (such as whether the car has been serviced by the dealer). Check when purchasing a used car to see if it is still covered by its manufacturer’s warranty.
If you travel a lot you may reach that limit quite quickly, which is where a high-mileage warranty comes in. It continues to offer protection for repairs and parts beyond the manufacturer’s warranty limits.
If your car is still covered by the manufacturer’s warranty, there’s no need to purchase additional insurance. If you’re not covered, then ask yourself whether you can afford any unexpected repair bills or the cost of replacing broken parts.
It’s possible in some cases that the price of a warranty policy may exceed the cost of paying for repairs out of your own pocket, in which case this kind of insurance is unnecessary.
Unlike car insurance, a car warranty is not a legal requirement. However, warranty insurance can sometimes save you a significant amount of money if your car needs expensive repairs.
Bear in mind that due to the number of conditions and exclusions on car warranties, you may end up paying a lot for cover that won’t pay out when you need it to.
When you buy car warranty cover, you can choose a policy that lasts from as little as a month to as long as five years. Most run for one year with the option to renew when the policy ends.
Your car warranty policy usually covers repairs to the:
fuel and ignition system
air conditioning or cooling system
non-frictional clutch and brakes
As well as cover for repairs, high-mileage warranty cover may also include:
vehicle breakdown recovery
car hire, while yours is being fixed
hotel expenses, for overnight stays if an insured part breaks down
emergency travel expenses, like taxi, train or bus fares
driving your car abroad
Cover levels vary widely depending on the policy you choose, so check the insurer's summary of cover and the policy documentation before you buy.
A car warranty doesn’t usually cover the cost of any repairs required due to accidental damage, loss or theft, which are usually covered by the car’s insurance.
Other exclusions vary from provider to provider, but some common examples include:
general wear and tear (though you may be able to include this as an optional add-on)
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
improvements to parts that aren’t broken
damage caused by frost, worn friction materials, blockages, contamination or sludge
poor workmanship or faulty components
Check your policy documents when you compare warranty insurance quotes. Look out for exclusions even on items that seem at first glance to be covered – for example, some insurers cover general electrical faults but not in-car stereo systems.
Warranty providers use this term to mean any damage to an insured part that’s caused by an uninsured part breaking.
For example, your exhaust (insured) gets damaged because your catalytic converter (not insured) breaks.
Some car insurance warranties don’t cover consequential loss, so check your policy documents carefully to verify if this is the case or not.
When getting quotes, check the following:
Cover options: you can insure your engine, brakes and suspension. You can also include cover for general wear and tear, although if your car has more than 60,000 miles on the clock, you may have to pay towards such claims. Check policy documents for a full list of what’s covered
Mileage limits: the maximum distance your warranty will cover, such as 150,000 miles. Once this limit is reached, the cover is longer valid
Age limits: the maximum vehicle age an insurer is willing to cover – e.g. 12 years old. Once your car has reached this age, your cover will no longer be valid
Claims limits: the maximum amount your insurer will pay out per claim. For example, if your claims limit is £7,000, your insurance pays up to this amount each time you claim. Check your documents to see how many times you can claim during your policy
The cost of your warranty premiums depends on your insurance provider, so compare quotes to find the best deal.
Most car warranty providers offer three levels of cover, with premium policies naturally costing more. Along with your mileage, the cost of your warranty insurance is also based on:
the age of your car
the make and model
your car’s value
whether you use your car socially or for business
A cheaper warranty usually provides less cover, so be prepared to pay more to get the protection you need.
Don’t forget to work out if the cost of a warranty is more expensive than paying the cost of any repairs yourself.
High-mileage warranties offer the same cover as standard warranties, but are valid even if your car has plenty of miles of the clock.
To find a high-mileage car warranty, you’ll need to work out the level of cover you need, the price you’re prepared to pay, and then compare quotes to find the one that works for you.
Possibly. Some insurers charge more if your car has a high mileage. Others may charge the same and restrict cover, for example by excluding wear and tear claims.
Your warranty will be invalidated, and you won’t be able to claim. You’ll be better off putting money aside each month to cover any repair costs instead.
No, because most warranties cannot cover cars that are older than 12 years old.
Possibly. Some warranties include cover for wear and tear, but others exclude it for some parts like the wheels, others exclude it altogether. Check the terms of cover for full details.
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.
By comparing warranty insurance you could save money on the policy. The best value warranty insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
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Last updated: 30 April, 2022