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Most standard car insurance that legally covers you to drive your vehicle on the roads doesn’t cover you for repairs due to wear and tear over time. Therefore, for many drivers, car repair insurance is considered an essential addition to their car insurance policy because it protects their investment in their vehicle.
Insurance for car repairs covers you if something happens with your car that requires replacing or fixing. Sometimes referred to as extended warranty coverage, car repair insurance is like a warranty that lasts for a longer time period. Adding car repair insurance provides fuller coverage than basic car insurance alone.
This type of policy covers repairs, breakdowns and parts failures that typically aren’t covered by standard car insurance. It’s also possible to take out car repair insurance that targets specific parts of a vehicle.
Drivers can take out policies to cover individual car parts or systems. For example, to cover your car engine, your electrical systems or car braking systems.
This customisation enables you to protect the areas that are causing you worries, meaning you have a precise solution to a potential problem. Generally, when it comes to motor insurance, this will be more cost effective than taking out blanket insurance cover.
Some providers will offer bumper to bumper car insurance, covering all the key areas. For example, they might bundle together car repair insurance for the following:
Typically, car repair insurance does not cover the likes of:
In theory, taking out insurance for car repairs can extend the life of your vehicle because it can start a cycle of taking better care of your car. This is because drivers are generally more likely to take their vehicles to mechanics if they have the correct insurance in place.
Minor issues are fixed quickly and not left to develop into more substantial problems and you’ll maintain your car to a higher standard if you take it for regular visits to the garage. By having parts repaired or replaced without delaying, you’ll keep your car in good condition and it will usually keep running for longer.
In addition to the regular maintenance of your vehicle and the flexibility of car repair cover, there are some other reasons why it’s beneficial for many drivers:
There are some limits and exclusions that you may find written into the car repair policies that you are quoted.
Common exclusions to look out for include:
Most insurance firms will expect you to stay on top of their terms and conditions. If the exclusions apply to your vehicle but you haven’t noticed, or if you pass the limits while on a rolling insurance contract, your warranty won’t be valid and your insurance provider will not pay out.
It’s important that you always pay attention to the limits and exclusions you find in the fine print of your insurance contract, because it’s possible these can contain hidden fees or penalties. As long as you are aware of any restrictions written into your insurance policy, you can ensure you won’t face unexpected charges.
Most insurance companies will quote you more or less depending on the specifics of your car. They’ll take into account things like:
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