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Protect Your Investment with Extensive Extended Car Warranty Coverage Plans for UK Car Owners

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Why Do You Need an Extended Car Warranty?

When you buy a new car, it usually comes with a manufacturer’s warranty that covers certain repairs and replacements for a limited time or mileage. However, this initial coverage may not be enough to give you the peace of mind you need when unexpected breakdowns or failures occur later in the car’s life.

An extended car warranty provides additional protection beyond the manufacturer’s warranty, giving you comprehensive coverage against unexpected repair costs. It can save you from the financial burden of expensive repairs and give you assurance that your investment is well-protected.

What Does a Comprehensive Car Warranty Insurance Cover?

Different extended warranty plans offer various levels of coverage, so it is important to understand what is included in your policy. However, most comprehensive car warranties cover major components and systems such as engine, transmission, drivetrain, suspension, electrical system, and air conditioning.

Some plans also cover smaller components like water pumps, fuel pumps and ignition coils. Additionally, some warranties may also include roadside assistance services for added convenience.

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Why Extend Your Car's Warranty?

The primary reason people choose to extend their car’s warranty is to avoid unexpected and costly repairs. With advances in technology, modern vehicles are becoming more complex and expensive to repair.

Having an extended warranty means you will probably not have to worry about paying for these repairs out of pocket, as they can be covered by your policy. This not only saves you money but also gives you peace of mind knowing that your vehicle is protected against any unforeseen issues.

Moreover, an extended car warranty can also increase the resale value of your vehicle, as potential buyers will see it as a well-maintained and protected investment.

What Is the Difference Between Car Warranties and Car Insurance?

Car warranties and car insurance both provide protection for your vehicle, but there are some key differences between the two. A car warranty is a contract that covers certain repairs and replacements for sudden mechanical or electrical failures, while car insurance primarily covers damage caused by accidents, theft, or natural disasters. Additionally, car warranties typically have a specific period and mileage limit, whereas car insurance is renewed on an annual basis.

What is an Extended Car Warranty?

An extended car warranty is a protective measure that offers coverage for certain repairs and services after the manufacturer’s standard warranty. This warranty kicks in after the original manufacturer warranty expires, ensuring your vehicle remains in top condition without hefty repair costs. Choose an extended car warranty for additional peace of mind and safeguard your investment against unforeseen mechanical or electrical faults.

The Features of an Extended Car Warranty

Extended car warranties supplied by MotorEasy are designed with your needs in mind, providing an array of features to ensure your vehicle’s optimal performance. These features not only provide peace of mind but also protect your investment, ensuring your vehicle gets the care it needs when it needs it the most.

The policy provided by Motoreasy goes beyond standard warranties, covering major components like the engine, transmission, and electrical system.

Gain access to a broad network of approved mechanics and repair shops across the country.

Get help whenever and wherever you need it, be it a flat tyre, dead battery, or mechanical breakdown.

We offer flexible payment options to suit your budget, without any interest or finance charges.

If you decide to sell your car, the warranty might be eligible to be transferred to the new owner, adding value to your vehicle.

What is an Extended Car Warranty?

Car warranties are categorised into two types, tailored for both new and used vehicles:

Warranties for new cars

New vehicles typically come equipped with a warranty from the manufacturer, providing coverage for a period of three years or up to 60,000 miles, whichever comes first. As this warranty period approaches its end, it is a smart move to explore options for an extended warranty.

While the initial coverage offered by the manufacturer is usually adequate, additional policies are not necessary until this original warranty has expired. Post expiration, there is an option to extend the warranty through the manufacturer. However, they often do not offer the same extent of coverage as third-party warranties and can even be less cost effective.

Warranties for used cars

When purchasing second-hand cars, it is commonplace for dealers and retailers to offer a warranty. This warranty typically lasts for a maximum of one year, but it is often only valid for three months. However, these warranties are not always as comprehensive as one might hope, potentially leaving the car owner with unexpected costs down the line. Therefore, it is crucial to thoroughly understand what is covered by this warranty before making a purchase.

Next, it is important to consider the length of the warranty and whether there are any additional charges should you need to make a claim. Some dealers may offer attractive warranty periods, but the fine print might reveal extra costs that could make the deal less appealing. An extended warranty from a third party, for example, is often a more cost-effective option. Not only does it usually come in cheaper, but it also tends to offer higher levels of cover, providing extra peace of mind.

Lastly, be aware that some retailers and dealers can charge a substantial excess when it comes to warranty repairs. This excess can lead to unexpected out-of-pocket expenses when you need to have repairs done under warranty. Thus, before finalising your purchase, make sure you fully understand the terms and conditions of the warranty, including any potential hidden charges or fees. It is always better to be fully informed to avoid any unpleasant surprises later.

What Parts and Costs Are Covered With a Car Warranty

Parts such as wheels, tyres, exhausts, batteries, wiper blades, clutch plates, and other items typically replaced during regular service are not covered, as they are considered service, frictional, disposable, or consumable parts.

The coverage for certain parts or the provider’s share of the repair costs may decrease as the vehicle ages or accumulates more mileage.

Despite a car warranty covering all mechanical and electrical breakdowns, there can still be claim limitations that prevent you from receiving compensation for the engine or gearbox. Thus, understanding precisely which vehicle parts your car warranty covers is critical.

Some car warranties offer flexibility, allowing you to customize or enhance the basic coverage levels. A reliable car warranty provider should provide suitable coverage considering your car’s age and mileage, without leaving you to compile your own list. However, if you choose to create your own, review all the parts that can be insured and ensure that your chosen car warranty policy fulfils your requirements before purchasing.

Does a Car Warranty Cover the Full Labour Costs?

The cost of labour can often exceed the cost of parts when it comes to vehicle repairs. A car warranty usually sets a limit on the labour rate for any work, especially if it includes Value Added Tax (VAT). Consequently, you may discover that you need to pay a substantial amount out of pocket to get your car running again.

Many companies will handle labour expenses but set a limit on the amount they’re willing to pay. It is crucial to determine the highest hourly rate that the car warranty company is prepared to pay and if there is a maximum claim limit – either per repair job or as an annual cap. You also need to confirm whether this limit will cover the repair work at your chosen garage, or else you will have to foot the additional cost.

Identifying the exact problem with a car can be time-consuming, and many car warranty policies do not include labour costs associated with diagnostic testing in their coverage. Consequently, it is essential to ensure that these costs are covered either by the garage doing the repair or by your car warranty. Otherwise, you might end up paying for several hours of labour even before the actual repair work starts.

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Frequently Asked Questions

When initiating your cover, you will be required to provide your car’s current mileage. If it exceeds 100,000 miles, finding appropriate cover might be challenging, though there are options available up to approximately 150,000 miles.

Once your application is approved, the annual mileage allowance may differ. However, any limitations are usually quite liberal and more than sufficient for the typical driver.

Additionally, some car warranty providers offer graduated levels of coverage, where the benefits you receive or the amount you contribute towards repairs is contingent upon the number of miles you drive.

It might surprise you, but some car warranties do not cover defects discovered during MOTs and services. If this is your only yearly visit to the mechanic and the identified issues are not covered by your warranty, it could potentially cause some difficulties.

Car warranties frequently specify a deductible, or excess, which is an out-of-pocket amount you must pay each time you make a claim. This amount can vary widely depending on the provider and can influence the value of the policy.

For instance, if your deductible is £250 for every claim, the financial benefit may be negligible even if the initial premium cost is low, especially if something goes wrong.

Therefore, when choosing a car warranty, it is important to find a policy that provides adequate coverage at a reasonable price with the smallest possible deductible. A deductible of £50 or less is common and often makes claiming costs more worthwhile.

A comprehensive car warranty should cover issues caused by overheating, which can frequently lead to severe damage. For instance, if the cambelt breaks, it could cause the engine to overheat and eventually fail. If the cambelt has been replaced as per the manufacturer’s recommendation, a robust car warranty should cover the cost of repairs.

Securing the optimal car warranty for your vehicle is not merely about selecting the least expensive or most extensive policy. Rather, it is about identifying your needs from a car warranty and the duration of coverage you require.

It is not advisable to simply purchase it from the dealership that sells you the vehicle. Instead, it is crucial to compare the car warranty they propose with those offered by independent car warranty providers.

Purchasing a car warranty with a £500 claim limit may be cost-effective, but it might not cover extensive repairs. Additionally, there may be an annual cap, or a specific number of claims permitted within a certain period. Ideally, the claim limit should match the value of your car for optimal coverage.

Certain car warranty providers may limit the locations where you can have your vehicle repaired. This is typically due to business arrangements they have with garage networks, obtaining discounted repair rates as a result. However, this could potentially limit your options when it comes to choosing a repair shop.

Therefore, it is essential to verify whether you have the freedom to select your preferred garage, or if you are confined to using a repair shop within the car warranty company’s limited network. If you are restricted to their network, ensure there is an authorized garage in your vicinity and that the labour coverage offered by the car warranty provider meets your needs.

If the selection of garages provided by a car warranty company does not satisfy you, consider exploring other providers for a more flexible coverage plan.

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