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Car Warranty Policies: The Most Frequently Asked Questions

December 21, 2015

Read the most frequently asked questions about car warranty policies; see the answers, compare quotes and find the best deal to suit you.

What is a car warranty?

A car warranty is sometimes known as mechanical breakdown insurance (MBI). This type of cover provides protection against specifically defined mechanical problems that might affect your vehicle.

You can find out more in our beginners’ guide to car warranties.

What is the duration of a car warranty policy?

Policies typically last from one to five years; mileage limitations may apply.

What type of car warranties are available?

The available options will depend on whether you’re buying a new car, a used car, or if you want a warranty for your current vehicle.

What sort of things will a car warranty cover?

It’s best to check the Terms and Conditions of your policy carefully as this can vary for different providers. The main major mechanical components that it should include are:

  • Fuel and ignition systems
  • Engine
  • Gearbox
  • Transmission system
  • Electrics
  • Cooling system
  • Steering
  • Non-frictional clutch
  • Brake system parts
  • Suspension

Is there anything excluded from a car warranty cover?

Most warranties, as a standard procedure, will exclude normal wear and tear to tyres, wheels, exhausts, the vehicle’s catalytic converter, brakes and clutch; it will also exclude damage to bodywork, paintwork, glass and headlights.

Some warranties will cover the air-conditioning system; items like audio equipment and satellite navigation systems are usually excluded.

How much will a car warranty cost me?

The cost of a warranty will largely be dependent on your personal details, together with age of car, mileage, make and model.

Is there anything else I should consider?

It’s best to look out for cover for these typical items:

  • Wear and tear: do you have to pay a percentage of labour/parts?
  • Improvement: do you have to contribute to parts and labour if a new part is better than the original?
  • Oil leaks: does your warranty cover a claim for when a part fails and it leaks?
  • Consequential loss: does your policy cover damage to an insured part caused by the failure of a non-insured part?

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