Provider Comparison Matrix: Side-by-Side Breakdown
| Metric | MotorEasy | Warrantywise | RAC Warranty |
|---|---|---|---|
| Regulatory status | FCA-regulated (insurance-backed) | Discretionary (non-insurance) | Non-regulated, administered by TWG IOM |
| Oldest vehicle covered | Up to 13 years | Up to 15 years | Varies by dealer |
| Highest mileage covered | Up to 130,000 miles | Under 150,000 miles | Varies by dealer |
| How you buy | Direct online quote | Direct online quote | Mainly via approved dealers |
| EU cover | Up to 60 days | Not stated on their site | Not stated in our research |
| Dispute resolution | FCA/FOS complaints process (as a regulated firm) | Named independent arbiter (Edd China) | TWG IOM administers claims |
Full MotorEasy review · Full Warrantywise review · Full RAC Warranty review · Full Warranty Direct review
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RAC Warranty isn't directly comparable to the other two in how you buy it — it's mainly sold through dealers rather than as a direct online quote, so "comparing price" isn't always straightforward. If you're being offered one as part of a dealer purchase, it's worth getting a direct quote from MotorEasy or Warrantywise too, to see what a like-for-like comparison actually looks like.
Insurance-backed vs discretionary — why it matters
This is the single biggest structural difference between providers, and it's worth understanding before comparing price. An FCA-regulated, insurance-backed warranty (such as MotorEasy Plan A Platinum) gives you access to the Financial Ombudsman Service if something goes wrong. A discretionary warranty (like Warrantywise) isn't insurance — the provider decides whether to pay a claim, guided by their own dispute-resolution process rather than insurance regulation. Neither is automatically better; it depends what you value. See our guide on manufacturer vs extended vs third-party warranty for more detail.
What to check beyond price
Price is only one part of the comparison. Also check: the claims dispute process (MotorEasy uses the standard FCA/FOS complaints route as a regulated firm; Warrantywise uses a named independent arbiter; RAC Warranty claims are administered by TWG IOM); the maximum vehicle age and mileage each provider will cover; and whether cover extends abroad if you drive in Europe.
Frequently asked questions
Which is better, MotorEasy or Warrantywise?
It depends on your priorities. MotorEasy is FCA-regulated with insurance backing; Warrantywise covers a wider age/mileage range at its top tier and operates on a discretionary basis instead.
Can I compare RAC Warranty directly against MotorEasy or Warrantywise?
Not easily — RAC Warranty is mainly sold through dealers rather than as a direct online quote, so a straightforward price comparison isn't always possible. Get a direct quote from MotorEasy or Warrantywise to compare against what a dealer offers.
What does "discretionary" mean for a warranty?
It means the provider isn't bound by an insurance contract — they assess and pay claims at their own discretion, typically with a named independent person reviewing disputes rather than a regulator.