Many insurance products come in handy when you least expect it; it’s impossible to predict when your vehicle might break down so the more coverage you can get, the more likely you are to avoid a financial predicament.. The sensible choice would be to opt for the highest coverage option within your budget for worry-free driving.
Aftermarket warranties are not a requirement – you can choose to cover the cost of replacement parts and labour yourself. Modern, more expensive cars or electric vehicles are costly to repair. A warranty policy won’t cover absolutely everything that could go wrong with your vehicle, however many drivers choose to pay the cost of a car warranty for increased peace of mind.
The Gold Warranty offers a generous named component cover at a fair price. You can benefit from coverage for vehicles which are under 12 years old and with a mileage of less than 100,000 (at the policy start date). ALA has no ongoing mileage limits so once the policy is in place coverage will continue even on an older car.
- Electrics
Silver and Gold: Alternator, voltage regulator, starter motor, starter solenoid (includes inertia drive starters), indicator relay, front & rear windscreen wiper motor, front & rear windscreen washer motor, ignition coil and horn unit.
Gold only: electric window motors and switches, glow plug relay (diesel vehicles), electric sunroof motor and switch, central locking systems, distributor, electronic ignition module, crankshaft sensor, camshaft sensor, ignition relay, electric radiator fan & temperature sensing switch, oil pressure sensor, indicator & wiper switches (column stalks), wiper relay, heater fan motor, fuel tank sender unit, electric fuel pump, instrument cluster and speedo transducer, heated rear screen (element failure only), door mirror motors & switches and engine management ECU.
- Steering & suspension
Silver and Gold: Steering rack and pinion, power steering rack, steering box, power steering box, idler box and coil springs. Gold only: wishbones and ball joints, suspension arms and torsion bars and anti-roll bars.
- Gold: Air conditioning (factory fitted)
- Engine
Silver and Gold: Cylinder block, cylinder bores and liners, cylinder head, crankshaft, crank bearings, big end bearings, oil pump, con-rods, gudgeon pins, small end bearings, pistons, piston rings, rocker shaft, rockers, hydraulic lifters, camshaft and cam followers, push rods, camshaft bearings, inlet and exhaust valves, valve springs, valve guides, cylinder head gasket, timing gears, timing chains, timing chain tensioners (up to 80,000 miles) flywheel or flex plate and starter ring gear.
- Turbo (factory fitted)
- Cooling system
Silver and Gold: Engine thermostat, water pump, thermostat housing, viscous fan coupling and engine temperature sensor. Gold only: engine oil cooler, heater matrix and radiator.
- Timing belts/chains (if replaced according to manufacturer recommendations)
- Brakes
Silver and Gold: Brake master cylinder, callipers, wheel cylinders and brake bias/restrictor valve. Gold only: reserve cylinder, vacuum servo and brake vacuum pump.
- Fuel System
Silver and Gold: Fuel Injection pump and fuel lift pump (mechanical or electrical). Gold only: low-pressure supply pump, high-pressure pump, fuel injection governor, fuel shut-off mechanism, hydraulic or electrical injection timing mechanism, high-pressure fuel metering head, cold starting device, manifold boost pressure compensator, altitude compensator, pump drive gear, glow plug relay and brake vacuum pump.
- Clutch
Silver and Gold: Release thrust bearing, centre plate (oil contamination – centre plate only), pressure plate, master and slave cylinders. Gold only: clutch cable and clutch damper.
- Gearbox (all covered under Silver too)
- Manual
Gears and gear clusters, selectors and shafts, synchromesh assemblies, bushes, ball and roller bearings, needle bearings and transfer gears.
- Automatic
Governor, valve block, oil pump, gears, brake bands, servos, clutches, seals, shafts, bearings & bushes, modulator valve and transfer gears.
- Semi-automatic
Continuously Variable Transmission
- Prop shaft
Propshaft, universal joints & couplings, bearings & rubber couplings, includes transfer shafts.
- Drive System
Drive shafts, universal joints and couplings, constant velocity joints, half shafts & bearings.
- Catalytic converter (factory fitted).
- CVT
- Differential
Planetary gear assembly, crown wheel & pinion assembly, internal shafts, bearings & bushes, thrust washers, spacers, and bevel gears.
- Front & rear-wheel drive
Drive shafts, universal joints and couplings, constant velocity joints.
- Torque Converter
- Transfer box
Transfer gears, selectors, shafts, transfer shafts, needle and roller bearings, output shafts, bushes.
- Consequential damage of casings
- Wheel bearings
- Anti-lock brake system (factory fitted)
- Diesel cover
- Power roof motor Factory fitted convertible roof motor, solenoids & ECU.
- Working materials
We don’t insure any component which isn’t listed in this article. In addition, ALA Insurance warranties don’t cover the following:
The most important consideration is your budget. For the greatest reassurance, choose the highest level of component cover that you can reasonably afford. Your warranty provider should offer a payment plan to split the cost. Gold warranty cover starts at £161.71 per year and from just £5 more per year, you could get a Platinum warranty and benefit from even better component cover.
In addition, cover will apply to the suspension, brakes, steering, electrical systems and more. Hybrids also benefit from cover for the fuel system.
You can split the payment across ten monthly instalments. Splitting the payment does include a small amount of interest, however, a direct debit payment plan can make car warranty much more affordable.