Motor warranty: repair bills after the factory warranty ends

Who it suits

A warranty suits a car that is out of its factory warranty and that you plan to keep for a few more years, when a gearbox or turbo failure would cost more than you could pay at once. It suits a used car bought privately or from a dealer without a warranty of its own. It does not suit a car with a missed service history: every plan requires the car to have been serviced at the intervals in the logbook, and a claim on a car that was not is refused. It is not cover for accidents, which is what car insurance is for, and it does not pay for wear items such as brake pads, clutches and tyres.

What the insurer will ask, and why

These are the questions on our form for warranty, with what the insurer does with each answer. Nothing here is optional guesswork: every question exists because a licensed insurer needs it to quote.

Year of manufacture

Vehicle age is the primary rating factor for mechanical breakdown risk.

Make

Rating by make and model (parts cost, reliability).

Model

Current mileage (km)

Mileage bands drive both eligibility and premium.

Is the manufacturer's warranty still active?

A still-active manufacturer warranty changes the start date of cover.

Level of cover

Plan tier drives which components are covered and the premium.

Monthly budget

Has the car been serviced at the intervals in the logbook?

A lapsed service history is usually a hard exclusion.

Postal code

Area rating affects labour rates and claims cost.

Your date of birth

Age is the primary rating factor across every product.

Which province do you live in?

Regional risk and pricing tables.

Town or suburb (optional)

Postal-code rating for short-term products; language and dialect hints for call centres.

What best describes your work situation?

Affordability and, for income products, insurability.

Do you have a bank account you can pay from by debit order?

Collection method.

Questions people ask