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Car finance ›
New and used car warranty guide
Updated: Thursday, 20 April 2023
What is a car warranty?
Vehicle warranty (also known as mechanical breakdown insurance) covers the cost of repair bills should your car break down due to mechanical or electrical faults. Typically, all new cars will come with some kind of warranty cover.
Warranty cover typically lasts up to 3 years or 60,000 miles, but can be longer depending on the manufacturer. As such, it’s important to confirm with the dealer exactly how much cover you will receive before buying the vehicle.
Buying a used car? Don’t panic. Many garages will give you the option to purchase some kind of warranty on their used cars and, even if they don’t, you can buy a warranty from a third-party to give you peace of mind.
How long does a new warranty last?
Car warranties can be defined either by length of time or by the number of miles – or sometimes both. The minimum values tend to be either 3 years or 60,000 miles.  Bearing in mind that the average UK driver only covers 7,600 miles a year, it tends to be the age of the vehicle that determines when the warranty will expire.
Although 3 years is usually the minimum for a warranty, many brands will offer longer warranties to try and attract sales, as well as boost confidence in the brand itself. For example, outside of Vauxhall’s lifetime or 100,000-mile warranty, Kia offers the next longest – running at 7 years or 100,000 miles, while sister firm Hyundai offers a shorter, but still noteworthy, 5-year warranty.
If you’re worried that your warranty will expire soon, or your new purchase doesn’t come with quite such a generous policy, it’s worth looking into extending it. Audi will extend your warranty for £236 a year – which can be done once the 3-year/60,000 mile cover has expired.
While most warranties will cover the more expensive faults that happen with the car, there are some ‘wear-and-tear’ consumables that will not be covered, such as tyres, brakes, windscreen wipers and clutches. Although, luckily, these are relatively cheap to replace.
Should I get a used car warranty?
In comparison to new car warranties, used car warranties are very short. Depending on how generous the car dealership or garage is, a used car warranty will typically come in 3, 6 or 12-month periods. Some smaller or independent garages will outsource their warranties to third-party companies – in which case it can be cheaper to purchase the warranties direct from them. If the warranty is outsourced, make sure you are aware of what is covered in the policy and what is not.
It is also worth noting that, while some used car dealers will not offer a warranty of any kind, they must still sell cars that are ‘satisfactory quality’, ‘fit for purpose’ and ‘as described’, as defined in the Consumer Rights Act. If the car does not meet the outlined criteria, the dealer must legally repair it at their own cost and, if they cannot, you are entitled to a refund.
While the Consumer Rights Act can help you out in some situations, be aware of the age of the car that you have purchased. If a gearbox is sticking in the car, but it’s 3 or more years old and only worth a few hundred pounds, it will still be deemed of ‘satisfactory quality’ thanks to its age.
For information about used car checks and valuation, visit our used car checks page.
What will my car warranty cover?
While not all car warranties are the same, the vast majority will cover all mechanical and electrical faults – as well as guaranteeing against the appearance of rust for a minimum of 3 years. However, different brands’ policies vary, so it’s important to ensure that you are fully aware of what is and what is not covered in your policy, as well as, when it expires.
Knowing the ins and outs of your policy can be hard but is often essential. All the small print and conditions can be difficult to navigate, and next-to-impossible to understand – containing all sorts of get-out-clauses and caveats. For example, if your warning light prompts you to visit the garage and a fault is discovered – your warranty may not cover this. But if you ignore the warning lights and the part inevitably breaks, this can invalidate your claim – leaving you in a catch 22.
What is extended car warranty? Do I need it?
What is a car warranty?
Vehicle warranty (also known as mechanical breakdown insurance) covers the cost of repair bills should your car break down due to mechanical or electrical faults. Typically, all new cars will come with some kind of warranty cover.
Warranty cover typically lasts up to 3 years or 60,000 miles, but can be longer depending on the manufacturer. As such, it’s important to confirm with the dealer exactly how much cover you will receive before buying the vehicle.
Buying a used car? Don’t panic. Many garages will give you the option to purchase some kind of warranty on their used cars and, even if they don’t, you can buy a warranty from a third-party to give you peace of mind.
How long does a new warranty last?
Car warranties can be defined either by length of time or by the number of miles – or sometimes both. The minimum values tend to be either 3 years or 60,000 miles.  Bearing in mind that the average UK driver only covers 7,600 miles a year, it tends to be the age of the vehicle that determines when the warranty will expire.
Although 3 years is usually the minimum for a warranty, many brands will offer longer warranties to try and attract sales, as well as boost confidence in the brand itself. For example, outside of Vauxhall’s lifetime or 100,000-mile warranty, Kia offers the next longest – running at 7 years or 100,000 miles, while sister firm Hyundai offers a shorter, but still noteworthy, 5-year warranty.
If you’re worried that your warranty will expire soon, or your new purchase doesn’t come with quite such a generous policy, it’s worth looking into extending it. Audi will extend your warranty for £236 a year – which can be done once the 3-year/60,000 mile cover has expired.
While most warranties will cover the more expensive faults that happen with the car, there are some ‘wear-and-tear’ consumables that will not be covered, such as tyres, brakes, windscreen wipers and clutches. Although, luckily, these are relatively cheap to replace.
Should I get a used car warranty?
In comparison to new car warranties, used car warranties are very short. Depending on how generous the car dealership or garage is, a used car warranty will typically come in 3, 6 or 12-month periods. Some smaller or independent garages will outsource their warranties to third-party companies – in which case it can be cheaper to purchase the warranties direct from them. If the warranty is outsourced, make sure you are aware of what is covered in the policy and what is not.
It is also worth noting that, while some used car dealers will not offer a warranty of any kind, they must still sell cars that are ‘satisfactory quality’, ‘fit for purpose’ and ‘as described’, as defined in the Consumer Rights Act. If the car does not meet the outlined criteria, the dealer must legally repair it at their own cost and, if they cannot, you are entitled to a refund.
While the Consumer Rights Act can help you out in some situations, be aware of the age of the car that you have purchased. If a gearbox is sticking in the car, but it’s 3 or more years old and only worth a few hundred pounds, it will still be deemed of ‘satisfactory quality’ thanks to its age.
For information about used car checks and valuation, visit our used car checks page.
What will my car warranty cover?
While not all car warranties are the same, the vast majority will cover all mechanical and electrical faults – as well as guaranteeing against the appearance of rust for a minimum of 3 years. However, different brands’ policies vary, so it’s important to ensure that you are fully aware of what is and what is not covered in your policy, as well as, when it expires.
Knowing the ins and outs of your policy can be hard but is often essential. All the small print and conditions can be difficult to navigate, and next-to-impossible to understand – containing all sorts of get-out-clauses and caveats. For example, if your warning light prompts you to visit the garage and a fault is discovered – your warranty may not cover this. But if you ignore the warning lights and the part inevitably breaks, this can invalidate your claim – leaving you in a catch 22.
What is extended car warranty? Do I need it?
Extended car warranties or aftermarket warranties cover mechanical breakdowns just like the normal car warranties usually do, and extend the period of the warranty, sometimes between 5-7 years. Many extended warranties come with additional servicing and breakdown cover too, for additional peace of mind. It is important to read what the extended warranty covers so you don’t end up paying more for your warranty than necessary.
If you are considering purchasing an extended warranty, then you can either:
- Extend the original car manufacturer warranty
- Extend a warranty from an independent provider
- When buying a used car from a dealer or a car supermarket it is likely they will offer some form of warranty. These usually only run from between a few weeks to a year.
Extended car warranties or aftermarket warranties cover mechanical breakdowns just like the normal car warranties usually do, and extend the period of the warranty, sometimes between 5-7 years. Many extended warranties come with additional servicing and breakdown cover too, for additional peace of mind. It is important to read what the extended warranty covers so you don’t end up paying more for your warranty than necessary.
If you are considering purchasing an extended warranty, then you can either:
- Extend the original car manufacturer warranty
- Extend a warranty from an independent provider
- When buying a used car from a dealer or a car supermarket it is likely they will offer some form of warranty. These usually only run from between a few weeks to a year.
Car warranty checklist
Before taking out a car warranty, you should make sure you read the contract and terms and conditions in detail to avoid any surprises or complications.
We have made a list of the basic points you should check for:
- Does the warranty cover the total costs of repairs, or just the parts or the labour?
- When you are looking to make a claim, is there a limit?
- What is the excess amount, if any?
- Does the warranty have a time limit or mileage limit?
- Is there a limit to the amount or frequency you can claim?
- Double-check the age of your car and assess whether it is worth taking out a warranty if you have a car that’s approaching the maximum age permitted for a warranty anyway.
- Check the garages that are listed for servicing and repairs to see what their location and costs are.
How to claim on your car warranty
All warranties will give you policy documents, and within these policy documents will be a list of what is covered. So, firstly check if the item you are wanting to make a claim for is covered in your warranty.
If you are wanting to claim on your warranty then you don’t get any work done before you have spoken to your warranty provider. They will need to approve the claim and will provide you with garages near by to do the repairs on your vehicle. If you use another garage then the warranty provider may not cover the cost.Â
Once you’ve discovered the problem with your vehicle and made sure that your warranty provider will cover the cost, it’s easy to make a claim:Â
- Call your warranty provider’s claim number, which you will find within your policy documents.
- On the call give them the details of your problem. They will then be able to give you the information for your nearest authorised garage. When on this call you should also check how they usually pay for the work, this could be either directly to the garage or to reimburse you afterwards.
- Contact the authorised garage and get your car booked in.
- Take your car to the garage along with a copy of your warranty policy documents, proof of any vehicle servicing, and a valid MOT certificate.Â
Car warranty checklist
Before taking out a car warranty, you should make sure you read the contract and terms and conditions in detail to avoid any surprises or complications.
We have made a list of the basic points you should check for:
- Does the warranty cover the total costs of repairs, or just the parts or the labour?
- When you are looking to make a claim, is there a limit?
- What is the excess amount, if any?
- Does the warranty have a time limit or mileage limit?
- Is there a limit to the amount or frequency you can claim?
- Double-check the age of your car and assess whether it is worth taking out a warranty if you have a car that’s approaching the maximum age permitted for a warranty anyway.
- Check the garages that are listed for servicing and repairs to see what their location and costs are.
How to claim on your car warranty
All warranties will give you policy documents, and within these policy documents will be a list of what is covered. So, firstly check if the item you are wanting to make a claim for is covered in your warranty.
If you are wanting to claim on your warranty then you don’t get any work done before you have spoken to your warranty provider. They will need to approve the claim and will provide you with garages near by to do the repairs on your vehicle. If you use another garage then the warranty provider may not cover the cost.Â
Once you’ve discovered the problem with your vehicle and made sure that your warranty provider will cover the cost, it’s easy to make a claim:Â
- Call your warranty provider’s claim number, which you will find within your policy documents.
- On the call give them the details of your problem. They will then be able to give you the information for your nearest authorised garage. When on this call you should also check how they usually pay for the work, this could be either directly to the garage or to reimburse you afterwards.
- Contact the authorised garage and get your car booked in.
- Take your car to the garage along with a copy of your warranty policy documents, proof of any vehicle servicing, and a valid MOT certificate.Â
For a better road ahead
Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.
Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.
Moneybarn’s VAT registration number is 180 5559 52.
Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)
Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)
