There are various insurance based warantees you can buy, in fact most traders also sell these warantees. They usually don't cover most small stuff or items subject to regular wear but covers the expensive stuff provided you choose the right policy (yes, there are some rogue policies around).
If its not essential to purchase now, why risk it? If you desperately need transport, buy a cheap banger now and get a better car later in the year.
I don't agree with the Government classing car sales as non-essential - not forgetting that at the same time they state to avoid the use of public transport???
The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020
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