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What is a car warranty?
As the name implies, a car warranty guarantees the vehicle’s certain electrical and mechanical parts up to a specific limit. When any of the parts under warranty fails, you get free repairs.
When you buy a new car, it usually comes with a manufacturer’s warranty, typically three years or 60,000 miles bumper-to-bumper and 72 months or 100,000 miles powertrain warranty, whichever comes first. Moreover, if you purchase a used car under warranty, you can enjoy all the benefits that come with the manufacturer’s coverage.
However, once that period is over, you are on your own to make repairs, replacements and pay for labour. For peace of mind, you can go for an extended car warranty (also known as aftermarket car warranty) from the manufacturer or any third-party auto warranty provider. Before making your deciding, it is wise to compare car warranty quotes from different providers and choose the best that suits you.
What is an extended warranty?
A manufacturer warranty comes with purchasing the vehicle, which does not require you to pay for it. Alternatively, an extended warranty may cover mechanical and electrical parts not included in the manufacturer’s warranty, or it comes into effect when the automaker’s contract expires.
You can get an extended warranty any time, and its price will be based on the brand, car model, age, and mileage of the vehicle you need the cover for. An extended warranty for an old car with high mileage will cost higher because parts have a high probability of wear and tear.
Depending on the life and mileage of your vehicle, some components may wear out faster than expected. The more you get behind the wheels, the more your warranty is probably going to cost.
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Do I need a car warranty in the UK?
While a used car warranty is not something you need to drive your vehicle on the road, it gives you peace of mind if your pocket doesn’t allow you to pay for expensive repairs. Once your manufacturer’s or existing used vehicle warranty concludes, you should consider certain factors to decide if the extended warranty is for you.
What are the types of car warranties?
We can categorise a car warranty into two types: Mechanical and Breakdown Insurance (MBI) and Service and Repair policies (Non-insured).
Insured car warranties
The companies offering MBI work under the Financial Conduct Authority (FCA), so you need to connect with the Financial Ombudsman in case of any complaint. Moreover, you get the Financial Services Compensation Scheme (FSCS) protection if your insurance firm goes out of business. That implies moving to another insurance provider will not cost you extra, and you can get a full refund for service and repair policies or a non-insured warranty.
Service and repair policies or non-insured warranty
Service and repair policies do not come under the jurisdiction, so you cannot take advantage of the FSCS protection or the Financial Ombudsman. However, you can route your queries to the Motor Ombudsman Body (MOB).
What does an extended car warranty cover?
Every used car warranty covers different mechanical and electric issues related to the vehicle. A typical warranty for used car covers:
- Fuel systems
- Components of the braking system
- Steering mechanism
- Clutch and gearbox
- Electrical systems such as in-car entertainment and sat-nav
- Air conditioning
For complete details of our Gold coverage, please see this page.
What’s not covered in a car warranty?
- A few car repairs do not come under most policies, encompassing replaceable components like batteries, bulbs, wheels, and tires.
- Wear and tear parts like brake discs and brake pads are usually not a part of the deal (you can get it with us). Similarly, warranty providers do not entertain cosmetic repairs and interior components.
- Accidental harm and wreckage that needs an overhaul to your vehicle or replacement of parts are also not part of typical car warranty deals.
Nevertheless, you have the liberty to add some of the options in your policy by paying extra.
Can someone reject my car warranty claim?
After you buy a car warranty, you must avoid anything that could void the coverage. For instance, you will not be able to claim if you:
- Keep running your vehicle after a warning light alerts you
- Use your car when you are aware of a mechanical or technical failure
- Neglect servicing your vehicle at the suggested intervals mentioned in the warranty contract
- Go for customisation and install sub-standard, non-genuine components in the vehicle
- Top up the car with a wrong fuel or fluid
- Fail to pursue the specified warranty claim method properly.
How much do I have to dish out for a car warranty?
A car warranty cost relies on several aspects, such as the:
- Value of the car – the costlier it is, the higher will be the repair cost
- Age of the vehicle – the older it is, the higher are its chances of breaking down
- The mileage reading and the miles you drive – the more is your use, the higher is the chance of making a warranty claim
- The components the warranty covers – the more parts a warranty covers, the superior will be its cost
One way to minimize your warranty cost is to choose the basic package or a shorter coverage. However, understand that the lower is the coverage, the more you have to pay from your pocket for repairs.
The price of car warranties also depends on the service provider. A used car dealer warranty will be costlier than what you could get from an independent warranty company.
QBE UK Limited ensures your vehicle is registered in England number 1761561, validated by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202842.
We offer Mechanical, or Electrical Breakdown Insurance and MOT Test Insurance policy on automobiles with fewer than 100,000 miles. We are less than ten years old from the date of the first registration of the vehicle.
The standard warranty comes free when you purchase a new car and is usually three-year or 36,000-mile. However, some automakers like Hyundai, Kia, and Mitsubishi also offer 5-years and unlimited warranties.
It all depends on your pocket; if you have saved enough money for emergency repairs, then an extended warranty might not be worth it. On the other hand, if you don’t have enough cash for emergency repairs, a car warranty cover might save you thousands of pounds. Just ensure you choose a warranty that covers the expensive parts and repairs.
As per law, you can cancel the policy within two weeks, starting from the date you get your policy papers. Once we receive your cancellation notice after submitting your premium, we will proceed with the refund.