Aftermarket warranties - the facts

  • A comprehensive guide to aftermarket car warranties
  • We show you what's available and what to watch out for
  • Factor in reliability and price when shopping for aftermarket warranties
  • A comprehensive guide to aftermarket car warranties
  • We show you what's available and what to watch out for
  • Factor in reliability and price when shopping for aftermarket warranties

It's extremely important that when you buy a car you have the peace of mind that, if something goes wrong, you'll be able to get it fixed with minimal hassle.

If you're considering buying a car that's out of warranty - usually after three years or 60,000 miles - then it might be worth buying an extended car warranty from an aftermarket firm.

There are myriad options out there, with prices ranging from £99 to £500 per year, and different levels of service depending on how much you pay.

Here's a guided tour through the world of aftermarket car warranties.

Dealer warranties

If you're thinking about buying a second-hand car from a dealer then the odds are that he'll offer you a dealer warranty to go with your new purchase.

Franchised dealers are likely to offer you an Approved Used warranty scheme that's backed by the manufacturer, and this will usually be included in the price of the car. This is only the case for the firm that the dealer is franchised to, so if you're buying a used car from a firm other than the main franchise (i.e. an older Astra from a Ford garage) then you'll probably be offered a normal aftermarket warranty - so always make sure you're getting the best value.

Independent dealers are more likely to offer you something much less comprehensive - usually three months  - and anything longer can be haggled for. Beware of high administration charges though.

Extended warranties

Although most manufacturers offer three year/60,000-mile warranties, several now offer longer warranty periods too. Kia offers a seven-year/ 100,000-mile warranty while Hyundai offers a five-year/unlimited mile transferable warranty, and Chevrolet offers its ‘five year promise' - a five-year warranty combined with servicing and roadside assistance services.

Some manufacturers will also extend or renew a factory-approved warranty on a car if it undergoes an inspection.

Aftermarket warranties

If you are buying a used car that is out of the manufacturer's warranty period you can opt to take out an aftermarket or 'extended' warranty, from an independent company. The level of cover varies: on some you're covered for failure of mechanical parts but others include electrical parts too. Some may cover you for replacement of parts only and not the labour costs. Be sure to check the terms and conditions. 

Do I need a warranty?

Buying a warranty isn't such a good idea on cars that aren't worth very much. We'd advise against paying extra for a warranty on a car costing less than £1,000. Another thing to note is that many firms won't offer warranties on cars over 10 years old or have over 100,000 miles on the clock.

Consider your car’s reliability

When deciding whether you need an aftermarket warranty, it's worth looking at the reliability record of the manufacturer concerned. German cars tend to have good reliability, as do Skoda, Honda and Toyota. Don't be put off by the recent Toyota recalls - until then firm had a quite exceptional reliability record.

According to a survey carried out recently by sister publication Fleet News, the most reliable cars are:

1 BMW 3 Series
2 Volkswagen Golf
3 Audi A4
4 Audi A3
5 Honda Civic
6 BMW 5 Series
7 Volkswagen Passat
8 Mercedes-Benz C-Class
9 Nissan Qashqai
10 Škoda Octavia

1 BMW 3 Series
2 Volkswagen Golf
3 Audi A4
4 Audi A3
5 Honda Civic
6 BMW 5 Series
7 Volkswagen Passat
8 Mercedes-Benz C-Class
9 Nissan Qashqai
10 Skoda Octavia

Read more about what warranties are available, and what to look out for, in our warranties section. If you're looking at buying a used car warranty, get a quote here.

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