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Should you buy a warranty with a used car?

Cars are one of the most expensive items people own, and while new cars will come with a manufacturer warranty buying used often doesn’t have that luxury. On top of that, the older the car and the higher the mileage, the more likely it is for something to go wrong. This is why getting a warranty on a used car becomes increasingly important to think about.

While we offer our Hippo Used Car Promise, letting our customers feel reassured, relaxed and confident when you’re leasing a used car, for those who are buying older models from other dealers they might not have this luxury.

What is a warranty?

A warranty basically acts as an insurance policy on the car against the cost of mechanical or electrical failure as well as any replacements and the associated labour involved with the garage. 

Hippo Protect is our stress-free motoring offering which gives motorists total peace of mind and includes lifetime warranty, annual servicing and breakdown cover.

What’s included in a warranty?

Warranties vary from provider to provider, and whereas a franchised dealer warranty will always remain the premiere, these are only offered on brand new models.

Comparing warranty products, it pays to see what is offered at face value but also what’s specifically excluded in the terms and conditions. For example, some warranties might only protect against manufacturer defects rather than wear and tear whereas others might offer both.

Our Hippo Protect lifetime warranty is one of the most comprehensive independent warranties on the market and covers faults with:

  • Engine 
  • Gearbox 
  • Clutch 
  • Steering 
  • Driveline suspension 
  • Electrics 
  • Braking system 
  • Fuel system
  • Cooling system
  • Air conditioning
  • In-car entertainment

While there are various exclusions we don’t cover within the above, these are further listed for the customer on our Hippo Protect page

Not all car parts are covered for repair under warranty. As with most warranty providers, we don’t include repairs to parts that have reached the end of their working life through age or mileage.

Do you need a warranty?

If you’re lucky enough to buy a used Kia, SsangYong, or current MG then chances are it might still have the balance of the seven year warranty left on it. This can give increased peace of mind when buying used as it’s still provided by the manufacturer.

This is often the rare exception, with most other manufacturers only offering a three year warranty, so when it comes to buying used it’s more than likely that the car will no longer be under any sort of cover.

According to Warranty Direct, 44 percent of cars go wrong in their fourth year on the road, with costs and faults varying from over seven grand for a new engine to five grand for a new transmission.

While there’s no legal obligation to getting a warranty on a used car, the peace of mind it offers drivers is more than always worth it. Like any form of insurance you only need it when you need it, but it does ensure that there are no nasty shocks or costs if worse comes to worse.

Are there any other forms of protection when buying a used car?

Consumer rights vary depending on where you buy the used car, however when buying used you are covered by the Consumer Rights Act 2015. If the car is faulty this entitles you to a full refund if you return the car to the dealer within 30 days of purchase and can prove that the fault was already there.

If a fault arises following the end of the 30 day period you’re not likely to get a refund, however the dealer is responsible under the Consumer Rights Act 2015 for the car to be of satisfactory working condition up to six months following purchase.

Do you need to get your car serviced to maintain a warranty?

It’s vital that your car is serviced according to the manufacturer schedule (found in your car handbook), but this is especially important if it is still under manufacturer warranty as failing to do so will invalidate any warranty on the car.

Outside of warranty, regular servicing is essential for your car’s health. By proactively maintaining your car on a regular basis, it will reduce the risk of breakdowns and mechanical issues. 

As part of Hippo Protect, we offer a service every year or 12,000 miles on used cars at over 1,000 service centres nationwide including Halfords Autocentre, Kwik Fit and more.

Representative Example of Credit

We expect more than 51% of our customers to achieve this rate.

Loan Amount Total Cost of Credit Representative APR 60 Monthly Payments Deposit Amount Loan Term Total Amount Payable
£7,500 £3831 19.1% APR £188.85 £0 60 Months £11,331

All offers are subject to change at any time, you must be 18 or over and finance is subject to status, vehicle availability and terms and conditions apply. We can introduce you to a limited number of finance companies, a commission may be received. Failure to maintain payments may result in termination of your agreement and the vehicle being returned, this could affect your credit rating and make it more difficult to obtain credit in the future. All prices correct at time of publication.

We purchase a wide variety of vehicles from all over the country to ensure the best quality and value for our customers, all of our cars go through a thorough inspection process and if they do not meet our standards we do not sell them. We endeavour to inform our customers (where possible) the provenance of the vehicle they are buying and as such we will always inform you if the vehicle has previously been either an ex fleet or hire car. Should your vehicle be an ex hire/fleet car please do not be concerned as we would never value this vehicle differently when you come to part exchange it and there is no difference to the CAP valuation either.

You should try and estimate the distance you will travel as accurately as possible to try and avoid excess mileage charges at the end of your contract.

All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.

Hippo Vehicle Solutions t/a Hippo Motor Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a lender but this does not affect the interest charged on the agreement, all of which are set by the lender. Images for illustrative purposes only. Hippo Vehicle Solutions t/a Hippo Motor Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at . This does not affect your statutory rights.

We are a broker not a lender and our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB13NU.