If you can prove an inherent manufacturing fault you have up to 6 years in the UK, though doing that would probably cost more than the repair.

I have never understood why insurance companies have not extended their car policies to cover a cars major components ie the engine and transmission. They will pay you say £20k accident or total loss and yet your engine could blow and nothing to do with your policy. For an additional fee on your policy they could perhaps cover mechanical loss. Are the car insurance companies somehow prohibited from this area or simply not practical for them. It seems to me that similar to accidents the number of mechanical claims would be very low compared to the premiums paid?

I think you will find "any driver" policies are still available(at a cost) in this country and that "owner only driving" and "named driver" policies are available in the EU.It is NOT the car that is insured.I insure my cars "owner and spouse".

I think you will find "any driver" policies are still available(at a cost) in this country and that "owner only driving" and "named driver" policies are available in the EU.It is NOT the car that is insured.I insure my cars "owner and spouse".

I don't think that it possible to insure a car in the EU with the parameters you describe. This is the mandatory situation in France which presumably must be the same in the rest of the EU.

The car insurance is mandatory in France by the law of February 27 , 1958, now codified in Title 1 , Book 2, regulatory part of the Insurance Code . The insurance obligation only concerns the “civil liability” cover, ie damage caused to third parties and passengers.

It must cover the owner of the vehicle, any person having custody or even unauthorized driving of the vehicle and the passengers of the insured vehicle 3 . As well as the damage caused by the fall of the transported accessories or objects, whether they occur at the time of the fall or afterwards. It also covers unloading or loading operations..

fr.wikipedia.org/wiki/Assurance_automobile_en_Fran...n

Merci Monsieur!

That was my understanding,

When my daughter got her Fabia this year, we were assured by the dealer that she could wait and extend the warranty when the car is three years old. No doubt it that case the cost would depend on the condition and mileage of the car at that time.

Avant, I fear your daughter may be disappointed if the Skoda warranty has the same T & C's as the Seat warranty we had on the Leon, since they are all VAG finance products and having looked into it when we bought the iV they appeared to be exactly that.

The finance chap at the Seat dealer was the only honest and knowledgeable person there. The salesman told me to wait until the car was 3 years old before buying the warranty but the finance chap gave me several reasons why that is not a good idea if you intend keeping the car beyond 3 years and extending the warranty.

Basically the warranty you buy before the car is registered has exactly the same T & C's as the standard 3 year warranty. If you buy at anytime after registration there are many exclusions and carefully worded reasons to reject a claim. If you buy the warranty after registration there was a £200 excess on every claim, that can soon add up if the car is troublesome and the issues just happen to be covered.

We never had to use the warranty since the car was totally reliable but we did not keep it the full 5 years, circumstances required a bigger car, we got our first Superb.

Would have extended the warranty on the Superb iV when we bought it but since it was a pre-reg (cancelled company order) we would have been limited by the T & C's attached to the after reg purchase which means IMHO its not a good buy.