Does a Mechanical Warranty policy cover pre-existing damages?

A Mechanical Warranty does not cover pre-existing damages to your vehicle. Insurance companies are under no obligation to pay for damages to your car that were incurred before you purchased a policy from them. A Mechanical Warranty is designed to offset the repair and labour costs when a mechanical or electrical breakdown occurs.

What does pre-existing damage mean?

When it comes to car insurance, the term “pre-existing damage” is any damage that was already present on your vehicle before the policy was purchased. 

If insurers were required to pay for damage that was present before a policy was purchased, their level of liability would increase. Insurers have various methods to prevent claims for pre-existing damage. Some insurers have waiting periods, while others require photographs of a vehicle before the policy is activated.

Does a Mechanical Warranty from Bidvest Insurance cover pre-existing damage?

No. Unfortunately, a Mechanical Warranty from Bidvest Insurance does not cover pre-existing damage. Insurance companies are under no obligation to pay for damages to your car that were already present before you purchased a policy.

What will a Mechanical Warranty from Bidvest Insurance cover?

The Bidvest Insurance Mechanical Warranty policy is designed with your car in mind. The policy covers a wide range of mechanical and electrical components. These include:  

Engine components

Maintaining your engine components is important. Your engine components serve important roles in keeping your car on the road. If your car experiences a specified engine problem, you’re covered with Mechanical Warranty. Your Mechanical Warranty cover includes: 

  • Cylinder heads
  • Engine mounts
  • EGR valves
  • Exhaust manifolds
  • Intake manifolds
  • Flex plates
  • Flywheels
  • Ring gears
  • Spigot bush/bearings
  • Seals pulleys
  • Tensioners
  • Gaskets


Gearboxes are renowned for breaking down at the worst possible time. A damaged gearbox can cause serious, irreparable and expensive damage to your whole vehicle. Your Mechanical Warranty from Bidvest Insurance covers you for: 

  • Gear levers
  • Gear linkage
  • Torque converters, bushes and internal shift selectors
  • External shift linkage
  • Transmission mounts
  • Clutch master cylinders
  • Clutch slave cylinders
  • Release bearings, seals and gaskets.

Steering mechanism

Your Mechanical Warranty covers these parts of your car’s steering mechanism: 

  • Steering rack and pinion
  • Steering box
  • Power steering pump and reservoir
  • Tie rod assemblies
  • Idler arm
  • Relay rod
  • Pitman arm
  • Steering column shaft, steering column coupling, steering damper, seals, and gaskets


Your Mechanical Warranty from Bidvest Insurance covers these parts of your car’s suspension: 

  • Upper and lower control arms
  • Control arm shafts and bushings
  • Torsion/stabiliser bars
  • Radius arms
  • Upper and lower ball joints
  • Springs
  • Electronic modulated suspension actuator/pumps, seals, link rods/arms and gaskets

Braking system

Don’t let costly repairs stop you dead in your tracks. Your Mechanical Warranty from Bidvest Insurance covers these parts of your car’s braking system:  

  • Master cylinders
  • Wheel cylinders
  • Callipers
  • Servo unit
  • Anti-lock braking system activator
  • Vacuum pump and sensors
  • Parking brake cable
  • Parking brake ratchet mechanism
  • Hydraulic lines

Fuel system

  • Fuel pumps
  • Injection pump
  • Air-flow metre
  • Throttle body
  • Warm up regulator
  • Fuel accumulator
  • Fuel injectors
  • Fuel lines
  • Fuel tank
  • Carburetor
  • Seals
  • Gaskets

While we can’t budget for everything, we can prepare for the worst. With a Mechanical Warranty from Bidvest Insurance, we keep your most valuable asset moving, your vehicle. Extend the lifespan of your car with South Africa’s most reliable car warranty.

Cover for you and for your car.

Bidvest Insurance offers a wide range of insurance products to meet both your personal and vehicular needs.

Insurance options for you:

  • Cyber Rescue
  • Panic Alert
  • Legal Angel
  • Personal Accident Insurance

Insurance options for your car:

  • Scratch and Dent
  • Tyre Angel
  • Theftbuster Plus
  • Warranty
  • Driver Assist
  • Key Angel

Simply complete your details so a Bidvest Insurance consultant can call you back to assist you.

All Products Lead Form

We understand how important your privacy is and will protect your personal information. By providing your details above you are agreeing that we may contact you regarding this quote. This is to ensure that you get great service! To find out more please visit our Privacy Policy.

Latest Articles