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How to Compare Car Warranties

So you have just been handed the keys to your hot new set of wheels, the last thing you going through your head is possible costly future repairs. Fortunately many people will drive quite happily for months or even years without experiencing the grief of unexpected repairs. But accurately predicting all possible problems in your motoring future is a fruitless endeavour. These kinds of problems often occur when least expected and always when you could really do without it. For this reason it’s a sensible idea to consider taking out a used Car Warranty. For a set annual fee you receive financial cover for many electrical and mechanical failures, replacement parts and labour included.

However, to assume that Car Warranties are all alike would be a mistake. Although they all serve the same purpose, protection from unexpected repair bills, they often vary in their provided cover. Companies will have their own set of exclusions which should always be closely examined before proceeding with the cheapest cover you can find.

When it comes to comparing how different warranty policies stack up against each other there are a number of key features that should be closely considered. The main points you should be evaluating are explained below:

The maximum claim during your warranty is often one of the biggest factors. For some companies this could be to total value of the car, whereas others may restrict the amount per claim.

The maximum age of your car covered by policies may influence whether it is available to you or not. Simply put, the older the car the more risky it will be to car warranty providers. Therefore the age of cars which can be covered is usually capped. For the majority it seems to be around 10 years but this can vary between providers.

Similarly, higher mileage car are seen as a greater risk to breakdown. You may struggle to find a policy that will cover you if you car has clocked up over 100,000 miles in its time, even if it’s within the age limit.

Wear and Tear is often a confusing topic when consumers are choosing warranties, especially since it can be understood in numerous ways. Many state a stark difference in the treatment of parts which need replacing sooner than expected compared to parts which fail after their expected operating life. For this reason you should investigate how such claims are treated to prevent any shocks later down the line.

Usually companies will quote the types of parts that are covered by their particular policies. Most common of these will be engine parts, electrical systems, braking systems, suspension and steering components. However, it is still worth while checking the exclusions lists to see if the cover is sufficient for your needs.

published: 21/11/2014 09:32:30

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