Does A Warranty Cover Accident / Impact Damage?

If you’re coming from a used or private seller, you might be taking out a warranty to protect the car you don’t know much about. Ex-write offs can look and feel great, but a few hundred miles down the road leave you in a difficult situation. No warranty is able to cover this situation, or any where accident damage leads to a failure to the mechanical and electrical components.

For this reason, if you’re worried about the history of your used car it’s always a good idea to carry out a HPI vehicle check, so you know if your vehicle has been written off in the past (as well as other useful information on its history).

If you’ve experienced an accident it’s best to first approach your car insurer. MotorEasy can also help diagnose and arrange these repairs. We’ll give you access to our network of 10,000 garages, passing on our trade discounts, so you can get your car back on the road!

Both of the air conditioning condenser and water radiator examples above were caused by road debris or stones - and not the component experiencing a failure. The tie rod failure in the steering system was caused by the car striking a pothole. In each instance we’d suggest logging a claim with your car insurer.

This is covered under point 4 of the section "What is not included in your plan?" (What IS NOT included in your MotorEasy plan?), by the phrase ‘Any loss or damage caused by a traffic accident, or accidental damage.’

Component Not Listed / Excluded

A warranty will cover your vehicle for major mechanical and electrical faults, but will never include servicing (e.g. oil) or consumable items or fluids (e.g. anti-freeze).

A warranty covering every component would be prohibitively expensive, so as a car ages warranty cover changes in order to provide the best combination of price and cover.

Our Plan A warranty covers all parts other than the bodywork, maintenance and service parts which are listed in your plan document.
Plan B offers comprehensive coverage, with an extensive list of covered components. Plan C is designed for older vehicles and limited to the major mechanical components designed to keep the car running, such as the engine and gearbox.

With MotorEasy we won’t leave you wondering where to turn with non-listed repairs. Our engineers will establish exactly what’s needed to repair your car - and the costs including our trade discounts - to help you get the problem resolved.

Please see “What’s not covered?” on Plan A or “Non-listed components” on Plan B or Plan C.

Driven On

As soon as you notice an issue with your car we advise getting it checked by a VAT registered garage. Ignoring it can lead to the problem escalating, making the fault worse and potentially affecting other areas of the car.

Often, most of this can be avoided or resolved if the issue is dealt with when first noticed. If you are unsure, please get in touch and discuss the symptoms of the issue with our team. We’ll be able to arrange a diagnosis or repair at one of MotorEasy’s 10,000 network garages.

Please see the section "What is not included in your plan?", point 16 of your warranty plan for more information.

Lack of Servicing

Part of your responsibility with any warranty is ensuring that your car is correctly maintained and serviced in line with the manufacturer’s recommendations. This allows faults to be identified and rectified early - before they develop into anything more serious.

Faults resulting from insufficient servicing - such as a gearbox or engine fault caused by a missed or overdue oil change - cannot be covered by any warranty, as the car has not been maintained correctly.

To ensure your car adheres to the terms of your warranty, you must keep your service history up-to-date and complete on time. MotorEasy can arrange full manufacturer servicing at up to 40% less than main dealer prices!

If you are unsure whether your service history is up-to-date, simply get in touch.

The gearbox failure that occurred above was due to the owner of the vehicle not keeping up to date with their service schedule. This gearbox failure occured as the oil that lubricates the moving parts degrades over time, leading to increased friction and eventually failure. Routine servicing would replace the oil and helping avoid failure.

Please see point 5 of the section "What is not included in your plan?" in your warranty plan for more information.

Does A Warranty Cover Modifications?

Our warranty covers the parts originally fitted by your manufacturer or OEM (Original Equipment Manufacturer) equivalent parts fitted by a VAT registered garage.

Extended warranties are rated on the basis of a car’s original manufacturer’s specification. Where modified parts have been fitted we cannot cover these components against failure, or them causing damage.

Where your car has been modified, we can still protect your vehicle but the modified components or faults relating to them would be excluded. Please advise a member of the team and they will be able to help clarify or setup your plan incorporating this.

The glow plug failure was not due to a modification to the glow plugs themselves, but to the engine; which in turn subjected other components to function under increased pressure and eventually fail.

Please see point 14 of the section "What is not included in your plan?" in your warranty plan for more information.

Part Not Failed

If you notice anything unusual about your car’s performance you should take it to a garage or get in touch. Usually, we’ll be able to provide a diagnosis and a quote for the work.

However, on occasion, these parts may be mechanically sound and performing correctly. In instances where the part is deemed safe and the car roadworthy, they have not failed. Your warranty is there to protect your car against mechanical or electrical failures.

If you’re unsure whether your car needs a repair, get in touch to arrange a diagnosis where we can help establish whether a repair is necessary, as well as arrange it.

Please see point 7 of the section "What is not included in your plan?" in your warranty plan for more information.

Repairs Completed Without Authority

Our team check the facts on every diagnosis and repair we get involved with. This means we can apply trade discounts to parts and labour costs to negotiate cheaper repairs for our members. It also helps us keep warranty prices down while delivering better cover.

We also need to establish the validity of each claim, and authorise it and the associated costs before any repairs are completed. This is also a common anti-fraud measure you will find in any protection or insurance product.

Where we have not had a chance to approve the repairs we may not be able to cover the repair under the warranty - so always get in touch before any repairs are proceeded with.

Please see point 17 of the section "What is not included in your plan?" in your warranty plan for more information.