Carma
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  • Why Carma?

    Pre-owned cars, done differently

    Discover why
    • How Carma works
      The hassle-free way to buy.
    • Customer reviews
      Why our customers are buying the Carma way.
    • Carma car quality
      Outrageously high standards.
    • Extended Coverage
      Best in class protection for the road ahead.
    • Our story
      A bold vision to reinvent the pre-owned car experience.

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Popular makes

  • Used Toyota
  • Used Hyundai
  • Used Mitsubishi
  • Used Mazda
  • Used Kia
  • Used Ford
  • Used Subaru
  • Used Volkswagen

Popular car types

  • Used cars
  • Used SUVs
  • Used utes
  • Used hatchbacks
  • Used sedans
  • Used coupes
  • Used convertibles
  • Used people movers

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Honoured to be recognised

We’ve won and been finalists for awards in recognition of our efforts to provide the best care and innovation to our customers.

  • Carma 2025 ORIAS pureplay winner
  • Carma 2025 ORIAS customer service excellence
  • Carma 2025 ORIAS best e2e customer experience
  • Carma 2024 Power retail top user experience winner
  • Carma 2024 Smart50 innovator award winner
  • Carma 2023 AFR most innovative winner
  • Carma 2023 ORIAS pureplay winner
  • Carma 2023 National Retail Awards emerging retailer winner
  • Carma 2023 iAwards merit
  • Carma 2024 top 100 fast starters
  • Carma 2024 Deloitte top 50
  • Carma 2024 Smart50 top 50
  • Carma 2023 LinkedIn top startups
  • Carma 2023 Deloitte tech rising star

^ Estimated repayment calculation based on an average rate calculated across all fixed P&I used car loans offered by Carma preferred financiers to eligible applicants purchasing a vehicle aged 0-7 years from build date. The interest rates displayed are guides only and does not reflect an offer for any particular product or your situation and does not imply credit is available to you at this rate. Repayments as a result of this simulation can vary based on your personal circumstances including your credit worthiness. Final rate and all applications subject to financier approval. Fees and charges apply. The direct debit frequency options available from financiers may differ.

†within Greater Sydney

NSW Motor Dealer’s Licence: MD087139 • NSW Motor Vehicle Repairer: MVRL59465

© 2025 Carma

  • Terms and conditions
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EXTENDED COVERAGE

Protection for the road ahead.

Get the comfort of knowing you'll be covered with additional mechanical protection plus premium roadside assist, for a one-time payment starting from $1,190.

Why choose Carma Extended Coverage?

Premium mechanical protection
Premium mechanical protection
Drive with confidence knowing you’ll be protected in the event of an unexpected mechanical failure for the length of your coverage.
Nationwide roadside assist
Nationwide roadside assist
Enabled by our partner National Roadside Assist (NRA), the roadside assist package offers help with over 1,700 service providers in Australia.
Choice of term
Choice of term
Choose the coverage length that best suits your needs. We offer **1,3 or 5-year plans**, all of which covers your car until its odometer reaches **200,000 kms**.
Purchase Carma Extended Coverage for a one-time payment starting from $1,190Purchase Carma Extended Coverage for a one-time payment starting from $1,190

Purchase Carma Extended Coverage for a one-time payment starting from $1,190

Must be purchased prior to delivery. To be eligible, cars need to have an odometer reading of under 160,000 km.

📞 Call us
Mechanical Protection

Protection for the road ahead

Your car’s risk of breakdown naturally increases over its lifetime. Typical manufacturer warranty lasts 3-5 years, however your car may become more susceptible to breakdown as it ages. Carma Extended Coverage helps protect your car during the most important part of its lifetime.

Claim up to the purchase price of your car
Claim up to the purchase price of your car
Parts that would have been covered by your original manufacturer’s warranty are covered (excluding paint and trim), with up to $5,000 per individual claim.
Additional years covered
Additional years covered
Carma Mechanical Protection starts at the end of any remaining manufacturer’s warranty and keeps you covered for your chosen length (or when your car reaches its kilometre limit, whichever comes first).
Service it your way
Service it your way
You’re in the driver’s seat. Service at your preferred licensed repairer, according to the frequency listed in your owner’s manual or manufacturer’s website.

Extensive cover of electrical and mechanical parts

What’s included in my cover?

As part of the PlatinumOne package, parts covered are those that are covered under the Manufacturer's New Vehicle Warranty, except for paint and trim.

Carma Extended Coverage also includes roadside assist and towing transport to the nearest licensed repairer if your car breaks down. Read more about what's included here.

What’s not included in my cover?

Refer to any exclusions that are shown in the Mechanical Protection Plan and your Manufacturer's handbook.

This Contract does not cover the following:

  1. Any failure caused by negligence, misuse or failure to perform required servicing, or any failure caused by the lack of proper and necessary maintenance. Any failure due to the lack of oil or coolant, excessive use of oil, overheating, fuel contamination or use of incorrect grade of fuel is not covered under this Contract.
  2. Any parts not defined as being covered in this document. Maintenance items such as, but not limited to, the following are not covered by this Contract: brake pads, brake rotors, spark plugs, light bulbs, batteries, oils, filters, tyres, hoses, fan and timing belts, or any other component recommended by the Manufacturer for periodic replacement.
  3. Any modifications made or any affected components on the vehicle after the Date of Delivery, unless fitted by Carma, or with written approval for inclusion by Carma.
  4. Paint, trim, or failure caused by rust or corrosion of any kind.
  5. Any inherent faults or defective parts subject to recall by the Manufacturer, or any such parts recommended for replacement by the Manufacturer through inability to meet normal performance requirements.
  6. Any loss or damage caused by towing, collision, force impact, breakage of glass, missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion, lightning, nuclear contamination, freezing, smoke, or from any other cause whatsoever except as provided in this Contract.
  7. Consequential damage.
  8. All consumables, including but not limited to, oils, coolants, lubricants, additives, air conditioning gas, environmental and waste disposal charges.

For the full list of exclusions, read the Extended Coverage Terms and Conditions here.

View all FAQs

Supporting you with Premium Roadside Assist

Roadside response
Roadside response
Get help on the road with jump starting your car, flat tyres, unlocking your car, or filling up with petrol when you run out.
Towing breakdown
Towing breakdown
We can transport your broken down car to the nearest licensed repairer within a 250 km round trip.
Emergency reimbursements
Emergency reimbursements
In the event of major mechanical failure, our plan covers up to $1,200 in extras per year.

We've got you covered

1- year coverage
1- year coverage
$1,190
3-year coverage
3-year coverage
$1,790
5-year coverage
5-year coverage
$2,390

Understanding your coverage and exclusions

To learn more about what’s included in your coverage and the full list of exclusions, read the T&C’s here.

Want to learn how to make a claim? Find out here.

24/7 Roadside Assistance24/7 Roadside Assistance

24/7 Roadside Assistance

Need help on the road? National Roadside Assist provides 24/7 phone and mobile app support across Australia.

📞 1800 817 877

Frequently asked questions

How much does Carma Extended Coverage cost?

Carma Extended Coverage is available in the following three terms:

  • 1-year coverage: $1,190
  • 3-year coverage: $1,790
  • 5-year coverage: $2,390

Each plan provides the same comprehensive benefits, offering peace of mind and extra protection.

Is Carma Extended Coverage transferable?

No, it is not transferable. Carma Extended Coverage remains with you and your car. If you sell your vehicle you may be eligible to receive a portion of the cost as a refund.

Can I cancel Carma Extended Coverage after purchase?

Yes, you can cancel at any time and you may be eligible for a portion of the cost to be refunded.

When does Carma Extended Coverage start and finish?

Carma Extended Coverage starts at the conclusion of the standard manufacturer warranty. For longer separate warranty periods on certain items such as the battery or drivetrain, if a car comes with 5 years new car manufacturers warranty and 10 years warranty on the battery, Carma Extended Coverage would kick in at the end of the 5 years.

As the battery is still covered under the manufacturer warranty, it would not be covered under our extended coverage. Roadside assist would still start immediately and end at the conclusion of our extended coverage term.

I need roadside assistance. How do I request assistance?

To request roadside assistance from National Roadside Assistance, call the 24/7 toll-free number at 1800 817 877 or get assistance via the NRA mobile app.

How do I make a claim ?

Your mechanical protection plan is administrated by Harrier for repairs. Roadside assistance is then offered by National Roadside Assist (NRA), which includes 24/7 roadside response, breakdown towing and emergency reimbursements.

To learn how to make an extended coverage claim, click here to find out more.

View all FAQs

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