Car Repair Insurance

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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.

What car repair insurance covers

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:

  • brakes,
  • drivetrain,
  • electrical components,
  • engine,
  • exhaust,
  • transmission.

Typically, car repair insurance does not cover the likes of:

  • broken lights,
  • car body repairs,
  • car windows.
  • interiors.

Regular maintenance

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.

Benefits of car repair cover

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:

  • Cost of mechanics’ services: With your insurance company picking up the tab, there is less risk of mechanics charging more for their services than they should. If charges are excessive, your insurance firm will flag this.
  • Extension of vehicle warranty: This type of insurance provides peace of mind that you have protected the investment made in your vehicle purchase because your car repair insurance acts like a lasting warranty.
  • Budgeting for the future: Taking out auto-repair insurance costs money, but what you will usually get your investment back later when your policy helps you manage unexpected costs by covering the price of vehicle repairs.

Common exclusions

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:

  1. Claims limit: An upper limit on the amount an insurance provider will pay if you make a successful claim.
  2. Maximum hourly rate: An upper limit on what your insurance provider will pay a garage for labour costs.
  3. Vehicle age limit: An upper limit on the age of your vehicle, with some policies only covering vehicles under 5 years old.
  4. Mileage limit: An upper limit on the mileage your car has covered, usually between 60,000-100,000 miles.

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.

How to find cheaper car repair insurance

Most insurance companies will quote you more or less depending on the specifics of your car. They’ll take into account things like:

  • Age: Older vehicles will generally have more expensive car repair insurance premiums. If your car is more than five years old, this could get quite steep. Taking out car repair cover for cars that are less than five years old will get you the best deals.
  • Mileage: Insurance providers will usually offer cheaper deals for cars that are driven less and have done fewer miles. If your mileage is high and you are on the road a lot, you’ll generally pay more for insurance. Keeping your mileage down is a good way of keeping premiums lower.
  • Condition: If your car is already in a poor condition and has not been well-maintained, this will have a negative impact on your insurance quotes. The best thing you can do is service your car regularly and fix any issues quickly. Once your car repair insurance is in place, much of this will be covered by your policy in the future.

You can find the cheapest possible car repair deals using our free comparison tool. As the UK’s leading socially-responsible comparison site, Utility Saving Expert is 100% independent and unbiased.

We aren’t owned by or tied to an insurance company. Instead, we partner with a wide range of trustworthy insurance providers who are dedicated to offering their customers great value.

We’ll even show you deals with firms we don’t partner with, so you can be confident we’ll always find you the cheapest quotes.

It costs nothing to use but you’re guaranteed to find the best-priced insurance quotes when you compare with us, so you pay nothing and have a great chance of saving money too.