Can You Get a Car Warranty for a High Mileage Car?
Yes, you can get a high mileage extended car warranty in the UK, even if your vehicle has over 100,000 miles. However, cover levels, costs and eligibility will vary depending on the provider, the age of your car and its service history.
With a MotorEasy Extended Warranty as long as your car is under 13 years-old and 130,000 miles you are eligible for a Plan C Extended Warranty plan.
But remember, it’s not just about your vehicles age and mileage, once covered, you’ll need to meet the requirements of your provider. With MotorEasy your vehicle must be maintained in accordance with your manufacturer guidelines, with servicing carried out at VAT registered garage’s.
What is Considered a High Mileage Car?
Generally, in the UK, a car starts being called ‘high mileage’ once it hits 100,000 miles. However, some vehicles will easily surpass this milestone, with the correct maintenance so high, mileage doesn’t always mean not long left.
If your considering purchasing a high mileage car then you should consider its mileage amongst other things like the general age of the vehicle, maintenance history and general condition. Has it been cared for well? Or used as a daily runaround.
Also, whether it’s still eligible for a warranty plan or even breakdown cover should you encounter issues.
Can You Get a Warranty on a High Mileage Car?
Most warranties for high mileage cars are through third-party providers rather than directly from the manufacturer. Most manufacturer extended warranty options usually fall short. Even manufacturers with good extended warranty coverage, such as Toyota, stop once your vehicle reaches 10 years-old or 100k miles.
What Do High Mileage Car Warranties Usually Cover?
High mileage warranties are typically designed to protect against unexpected mechanical failures, rather than routine wear and maintenance.
Major Components Typically Covered
The main components usually covered by a high mileage Warranty include parts which are all essential to the running of a high mileage car and therefore are covered by an Extended Warranty.
Usual components covered by a high mileage warranty
- Engine components
- Gearbox and transmission
- Electricals systems etc.
Common Exclusions to Be Aware Of
Before purchasing a High Mileage Warranty, it’s important to always read the full policy documents and ensure you are happy with the coverage and terms and conditions. High Mileage Warranties will not cover the full cost of replacing components that fail, instead, they cover a contribution to the repair based on the age of the vehicle.
Factors That Affect Eligibility for a High Mileage Car Warranty
To be eligible for a high mileage MotorEasy Warranty, your vehicle must be maintained as specified by your manufacturer and serviced at VAT registered Garage’s.
Vehicle Age and Mileage Limits
As with most manufacturer Warranties, Extended Warranties also have their limits. With MotorEasy, you are eligible for Warranty plans as long as your car is under 13 years old and 130k miles.
Service History and Vehicle Condition
A requirement of most Warranty providers, including MotorEasy, is that:
- The Vehicle has been Regularly serviced at a VAT Registered Garage
- The vehicle has no pre-existing faults or issues
You must meet these car warranty requirements to keep your policy valid.
How much does a High Mileage Car Warranty Cost?
The cost of a high mileage warranty varies depending on many risk factors. Here are some typical ranges:
For basic cover: £300 to £700 a year.
For more comprehensive cover: Up to £800+ a year.
Your final price will always depend on the level of cover, excess and claim limits.
Is a High Mileage Car Warranty Worth It?
A high mileage car warranty can be worth it depending on your specific situation and the vehicle you own. If you're driving an older car with 75,000 miles or more, the risk of costly mechanical failures increases significantly, components become more prone to breakdown, and a single repair can easily run into the thousands of pounds. A warranty can provide peace of mind and predictable budgeting, turning potentially devastating repair bills into manageable monthly payments. Remember to always check what’s included and excluded in your policy as well as any maximum claim limits and labour rate caps.
Consider Specialist High Mileage Providers
If your vehicle is over 13 years-old or 130,000 miles, you are no longer eligible for a MotorEasy warranty. However, you may still be able to be covered by other specialist providers.
High Mileage Warranty FAQs
Can you get a car warranty over 100k miles in the UK?
Yes, you can get an Extended Warranty with over 100,000 miles, although terms and coverage details will vary, so it’s important to understand what’s included and any exclusions before taking out a policy.
How long can you have a warranty on a high mileage car for?
For older vehicles MotorEasy allows you to purchase cover on a monthly rolling basis or for up to a year.
Is it harder to claim on a high mileage warranty?
No, raising a claim remains as simple as ever. However, exclusions and repair contributions will differ based on your level of cover and vehicle age.
Can vans with high mileage get a warranty?
Yes, high mileage van warranties are available as long as its within 13 years old and 130k miles as well as depending on usage.
