Click4Warranty - The UK's premier online direct su

Mechanical Breakdown Insurance (MBI) or Warranties are designed to protect you against the costs of sudden and unforeseen failure of specified components of the motor vehicle.

Your Click4Warranty policy pays toward the costs of parts and labour for repair or replacement of an insured component.

We believe we are the first and only online warranty provider to share clear, accurate, balanced facts and simplify your choice of warranty. Click4Warranty offer just one Mechanical Breakdown Insurance Policy, with one clear set of terms and conditions. It's all part of our commitment to providing you with a simple solution to your warranty requirements. If we cover it we say so, if we don't then that is clearly stated.

The star rating indicates the extent of parts that are covered.

Three Star cover is designed to provide affordable cover toward the cost of repair or replacement of the most essential car components.

Four Star cover provides extensive affordable cover toward the cost of repair or replacement of everything listed in Three Star cover plus an additional wide ranging list of universal car components.

Five Star provides cover for all parts listed in Three and Four Star plus an additional comprehensive list that ensures the ultimate in peace of mind for todays motorist. Designed to help with bills which arise when most mechanical or electrical faults that require expert repair.

At Click4Warranty you will achieve an accurate quote in seconds with a clear list of parts covered. Our "one policy" approach ensures you need only refer to one document when selecting the best cover for you.

Finally, every policy carries a FREE vehicle inspection for your peace of mind.

We are not an over-night IT company. We have over 25 years experience in Motor Warranties and other Motor Insurance related products. We don't offer some-one else's products. Our Insurer, who underwrites one of the largest Mechanical Breakdown books in the UK, is a shareholder within our company.

We are involved in every aspects of our business, from the terms and conditions to assisting you with a claim. Click4Warranty is authorised by the FSA to provide clear honest information about all our products and our aim is to provide our customers with the very best Insurance products and customer care.

Click4Warranty is authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent watchdog that regulates financial services and general insurance in the UK. Click4Warranty.co.uk is a trading name of Future 45 Ltd and our FSA Register number is 461102 and you can check our authorisation on the FSA Register by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Our policies are also covered by the Financial Services Compensation Scheme if the Insurer was unable to meet their obligations

The alternative is to take the cover offered by your supplying dealer who is just a middleman often reselling a policy to you at 3 or 4 times the amount they paid. As an online company we simply don't have the same overheads as the motor dealer.

There are no payments to salesman, commission to the finance manager or dealer principal mark-ups. By dealing directly with you, we reduce our costs and pass the saving to you. A Click4Warranty Mechanical Breakdown Insurance is a direct contract between you and the Insurer.

Seven compelling reasons to buy from Click4Warranty...

Every policy carries a FREE vehicle inspection for your peace of mind
Wear and Tear cover is included - you don't have to pay an additional premium.
One Insurance backed Mechanical Breakdown insurance with three levels of component cover allows you to choose the right cover for you.
Our Warranties are safe, secure and written clearly and factually.
Our web-site is designed to speak your language - not the mechanics.
Our unique "one-step" quotation system provides accurate premium information in seconds.
Competitive realistic premiums.

As an online company we simply don't have the same overheads as the Motor dealer. There are no payments to middlemen such as car salesmans commission, dealers mark-up. By dealing directly with you, we reduce our costs and pass the saving to you. A Click4Warranty Mechanical Breakdown Insurance is a direct contract between you and the Insurer.

Ask the dealer for a copy of the policy and read the small print. Look out for clauses that stipulate you must return your car to the dealer for repairs, does it provide adequate parts coverage? Is labour paid and if so at what rate? Does it cover Wear and Tear? (Click4Warranty does). If you are unhappy, or unclear, of the cover it provides then it may be wise to purchase a Click4Warranty policy to avoid the expense of repairs that are not covered by the dealers warranty. Perhaps the dealer will allow a discount if you don't take their warranty.

Every new vehicle comes from the manufacturer with a basic factory warranty. When your Manufacturers warranty expires, that's when all hell can break loose. You could be exposed to large repair losses. Your Click4Warranty policy will start from the date commencing immediately after expiry of the manufacturers' guarantee or warranty period. So it's wise to buy your warranty as early as possible, even when you buy the car. By acting now, you not only save money on our warranty price, you guarantee tomorrow's repairs at today's prices.

Absolutely yes, now is the perfect time to put your cover in place. By acting now, you not only save money on our warranty price, you guarantee tomorrow's repairs at today's prices.

Your Click4Warranty policy will start from the date commencing immediately after expiry of the manufacturers' guarantee or warranty period. So it's wise to buy your warranty as early as possible, even when you buy the car. There is no need to advise us of the Manufacturers policy, that will all be taken care of by the service records at point of claim. Even if that is in two years time.

Being stranded without the use of a car is a major inconvenience. So our Warranty includes free car hire in the event of a breakdown for up to 7 days while your car is being repaired. Obviously certain conditions apply, such as it must be a valid claim and you need approval from us before you claim. All the conditions are clearly listed in section 5 of our Terms and Conditions.

All Click4Warranty policies include free breakdown cover if your car has broken down or driving it may cause further damage. We pay up to ?? toward the cost of recovery expenses. Simple conditions apply, such as you must get a receipt for a VAT registered recovery company and the claim must be valid, but we don't insist you pay to join the AA or RAC. All the conditions are clearly listed in section 5 of our Terms and Conditions.

Being stranded because your cars broken down can be a nightmare, therefore to help you every Click4Warranty policy include free cover for over-night accommodation or return rail travel. Obviously certain conditions apply such as it must be a valid claim and you need approval from us. All the conditions are clearly listed in section 5 of our Terms and Conditions.

For your convenience all Click4Warranty policies are extended to include cover whilst driving in mainland Europe. Obviously certain conditions apply such as it must be a valid claim. All the conditions are clearly listed in section 7 of our Terms and Conditions.

Firstly, we want to be really clear on this... your Click4Warranty policy WILL pay toward the cost of repairs if a part fails due to "wear and tear".

Most failures can be attributed to "wear and tear" as parts often wear down rather than break. If you are considering a dealers extended warranty, or cover from another on-line provider we recommend you check the small print. If a Warranty doesn't include "wear and tear" cover as standard, chances are your claim could be rejected.

Is failure of a part due to "mechanical breakdown" or is it "wear & tear"? In order to protect yourself against rejection of a claim you want a warranty that clearly states in the terms and conditions both "mechanical breakdown" and "wear and tear" are covered as standard.

Click4Warranty covers both "mechanical breakdown" and "wear & tear", so your Click4Warranty policy WILL pay toward the cost of repairs if a part fails as a result of "wear and tear". Sometimes this means your car is in a better condition than it was before the breakdown. If this is the case we will ask you to pay a contribution toward the cost of repairs. Full details can be found in section 6 of the Terms & Conditions.

"Wear and tear" is the expected reduction in performance of a part due to the cars age, mileage and/or use.

Many warranty companies don't cover failure due to "wear and tear", even the major ones! So if your car has covered a few thousand miles, is failure of a part due to "mechanical breakdown" or is it "Wear & Tear"? In order to protect yourself against rejection of a claim you want a warranty that clearly states in the terms and conditions both "mechanical breakdown" and "wear and tear" are covered as standard.

Click4Warranty covers both "mechanical breakdown" and "wear & tear", so your Click4Warranty policy WILL pay toward the cost of repairs if a part fails as a result of "wear and tear". Sometimes this means your car is in a better condition than it was before the breakdown. If this is the case we will ask you to pay a contribution toward the cost of repairs. Full details can be found in section 6 of the Terms & Conditions.

All Click4Warranty policies have a choice of three substantial claim limits, £3,000; £5,000 and £7,000. These are single claim limits, the maximum amount that will be paid toward each separate claim. You can make an unlimited number of claims and we will apply this single claim limit to each claim. Your schedule will state the individual claim limit you selected.

There is also a maximum amount that we will pay "in total" during the term of the policy. This is set at the Glass's Guide retail value of your car at the time of claim.

The Click4Warranty policy has no limit on the annual mileage you drive. Your car will continue to be protected by a Click4Warranty policy until it has covered 150,000 miles.

In a small number of very distinct circumstance you may have to contribute to the cost of repair. For example if any element of the repair isn't covered. On higher mileage cars a repair can result in your car being in a better condition than it was before the breakdown, if so we require a contribution toward the cost of repairs. For full details refer to section 6 of the Terms and Conditions

Click4Warranty offer just one Mechanical Breakdown Insurance Policy, with one clear set of terms and conditions. It's all part of our commitment to providing you with a simple solution to your warranty requirements.

At Click4Warranty you will achieve an accurate quote in seconds with a clear list of parts covered. Our "one policy" approach ensures you need only refer to once document when selecting the best cover for you.

The star rating indicates the extent of parts that are covered.

Three Star cover is designed to provide affordable cover toward the cost of repair or replacement of the most essential car components.

To simplify your choice of cover we don't ask you to understand complicated labour rate charts, or inflate premiums to cover franchised dealer labour rates. Using an independent garage, to undertake the repair on your car, WILL NOT affect its resale value. You can still have a full main dealer service history yet have your repairs done at independent garages.

Therefore we provide you with a choice of local approved repairers where your policy covers the full hourly labour rate. In addition we cover the total repair times as set out by the independent Institute of Chartered Mechanical Engineer (ICME).

You are of course free to take your car to your own repairer or a franchised dealer. In this instance we will pay up to the labour rate of our approved repairers (as published on this web site) and the total ICME repair times.

All you need to do is pick up the phone and call us. To keep the process quick and simple we process everything over the phone. Wherever possible, to avoid your being out of pocket, we will settle authorised claims directly with the repairer.

We'll let you know where your nearest repairer is, then you choose a convenient time and book your car in. Once the repairer has the car, they will call us for authority, complete the work and invoice us. We'll settle the cost with them directly.

Five golden rules to help you get back on the road quickly,

If possible check to make sure the part that has failed is covered by the warranty.
Call us at the first opportunity if you believe you may need to make a claim.
Don't ask the repairer to notify us of a claim, this must be done by you.
Always get an authorisation number from us before you allow any work to be started otherwise you may invalidate your claim.
Make sure you have your schedule and service records available for the repairing garage.

If you prefer to use your own repairer please remember that you "must" still obtain authority before work starts, we cannot accept notification of a claim by a repairer. If you use your own repairer, we are unable to negotiate their fees for you and you'll need to pay for the work and claim the authorised costs back from us.

For full details of how to make a claim refer to section 12 of the Policy Terms and Conditions.

Five golden rules to help you get back on the road quickly,

If possible check to make sure the part that has failed is covered by the warranty.
Call Us at the first opportunity if you believe you may need to make a claim.
Don't ask the repairer to notify us of a claim, this must be done by you.
Always get an authorisation number from us before you allow any work to be started, if you do it may invalidate your claim.
Make sure you have your schedule and service records available for the repairing garage.

If you prefer to use your own repairer please remember that you "must" still obtain authority before work starts, we cannot accept notification of a claim by a repairer. If you use your own repairer, we are unable to negotiate their fees for you and you'll need to pay for the work and claim the authorised costs back from us.

For full details of how to make a claim refer to section 12 of the Policy Terms and Conditions.

We appreciate cars don't always pick the most convenient time to break down. So if you should find yourself having to get emergency repairs done so you can get back on the road (such as roadside repairs by the AA) we ask you to do the following

Keep any parts that have been removed (we may need to inspect them).
Ask for a vat receipt from the repairer displaying your cars details, the details of the repair including the cost of any parts and labour and the time and date the repair was diagnosed and carried out.

Then you need to contact us at the earliest possible opportunity.

For full details refer to section 13 of the Policy Terms and Conditions.

With Click4Warranty there are no hidden clauses imposing waiting periods. Your car is covered from day one and you can submit a valid claim immediately after inception of the policy.

Some other companies don't pay for breakdowns that occur in the first 30, 60 or even 90 days of cover! This means the 12 month policy you bought actually only provides cover for as little as 9 months, worth checking the small print.

The star rating indicates the extent of parts that are covered.

Three Star cover is designed to provide affordable cover toward the cost of repair or replacement of the most essential car components.

Each of the above covers cars up to 12 years old and 150,000 miles, and there is a choice of three substantial claim limits, £3,000; £5,000 and £7,000. Click4Warranty are unique in this, most providers start to restrict cover on cars over 2 or 3 years old.

Our unique policy structure means you are in control of which level of cover you buy, how comprehensive the parts covered are and the claim limit applied.

For a full list of parts that are covered please refer to section 4 of the policy terms and conditions.

No not at all, Your car doesn't need to have a full or even partial service history to benefit from a Click4Warranty policy. However it is important to have your car serviced once cover starts.

We don't insist on an expensive franchised dealer service, you can either follow the manufacturers service requirements or we provide an alternative five point service schedule.

Some other warranty companies slip in a clause insisting your car has been serviced in the last year or that it must be serviced as recommended by the manufacturer. It's worth checking the small print, failing to meet the service standard could mean your claims are rejected.

For a full details of our servicing requirements please refer to section 15 of the policy terms and conditions.

You can either follow the manufacturers service requirements or we provide an alternative five point service schedule, we don't insist on expensive franchised dealer servicing.

Your car doesn't need to have a full or even partial service history to benefit from a Click4Warranty policy.

For a full details of our servicing requirements please refer to section 15 of the policy terms and conditions.

Acceptable proof of servicing is either the vehicles servicing handbook correctly stamped and completed by a vat registered garage or fully detailed vat service invoice(s) indicating servicing dates and mileages.

Yes, however we don't insist on an expensive franchised dealer service. You can either follow the manufacturers service requirements or we provide an alternative five point service schedule.

Your car doesn't need to have a full or even partial service history to benefit from a Click4Warranty policy.

For a full details of our servicing requirements please refer to section 15 of the policy terms and conditions.

This depends on the status of your cars service history.

Complete service history. Just ensure the next service is carried out either following the manufacturers service requirements or the five point service schedule as detailed in section 15 of our terms and conditions.
Partial or no service history. It is important to have your car serviced once cover starts. We don't insist on an expensive franchised dealer service, you can either follow the manufacturers service requirements or we provide an alternative five point service schedule.

For a full details of our servicing requirements please refer to section 15 of the policy terms and conditions.

Click4Warranty provide a very simple excess system. We have three instances where an excess may be applied.

The first £10 of each claim. For most of our customers this is the only excess payable.
Betterment - Only applies if your car has covered more than 60,000 miles
On higher mileage cars a repair can result in your car being in a better condition than it was before the breakdown.
Click4Warranty don't impose any premium increase on high mileage cars. Instead we require a contribution toward the cost of repairs in the event of a valid claim. This system is known as "The Z Scale". The Z Scale means that owners of high mileage cars aren't required to pay a premium loading at the outset, just a contribution for "betterment" in the event of a claim. Which is not unreasonable as the car is in better condition than it was before!
The table below shows the excess for cars that have covered more than 60,000 miles (since date of first registration) when the claim is submitted.

up to 60,000 miles at point of breakdown 0%
up to 70,000 miles at point of breakdown 10%
up to 80,000 miles at point of breakdown 20%
up to 90,000 miles at point of breakdown 30%
up to 100,000 miles at point of breakdown 40%
over 100,000 miles at point of breakdown 50%
Lastly, if you are in the minority of customers who don't take advantage of the FREE vehicle inspection in the first 30 days and make a claim related to the engine management (ecu), air conditioning or electrical system, you'll need to pay a 50% excess. This excess only applies for the first 30 days.

The answer is yes and unlike other providers we allow you 21 days (not the standard 14). If you notify us in writing within 21 days from the date the policy was purchased we will cancel your warranty policy and refund your payment in full.

Click4Warranty is an on-line company. Therefore, our commitment to low premiums dictates that we don't post out hard copies. All your documents are provided by e-mail. We recommend you print a hard copy and file in a safe place (not in the vehicle). In addition, it is advisable to keep another copy in your car as you never know when you might need it. If you lose your documents, they can be viewed and printed via the log-in page on our web-site www.Click4Warranty.co.uk.

If you lose your documents, contact us and we will resend them. Alternatively they can be viewed and printed via the log-in page on our web-site www.Click4Warranty.co.uk.

Yes, all our warranties are suitable for new or used cars, cars purchased privately or through a trade entity, cars that you already own, cars under contract hire or any style of leasing agreement. We can provide cover for cars up to 12 years old or 150,000 miles. However, we can't provide cover for vehicles used for hire or reward; as a taxi; self drive hire; by a driving school; commercial delivery purposes.

We provide cover for cars up to 12 years old or 150,000 miles.

Yes, all our warranties provide cover for "Parallel Import" vehicles (vehicles that have been produced for a European Member State and that conform to European Wide Type Approval). However. cover is not provided for "Grey Imports (a vehicle that does not comply with European Union vehicle type specification and which is imported from outside the UK, usually Japan).

As with everything else on our site, we have kept this nice and simple. All policy premiums quoted are a one-off premium. We accept payment using all major credit and debit cards.

Yes, we will offer you the opportunity to renew your policy.

Yes, a warranty is a valuable selling tool if you decide to sell your car. The warranty may be transferred to the new owner, simply call us to request the transfer and we will transfer the balance of your policy to the new owner, We do require a £25 contribution from you toward the administration costs and conditions do apply. For example we cannot transfer the policy if you sell your car to a motor dealer. All the conditions are clearly listed in section 25 of our Terms and Conditions.

It's our intention to provide the very best possible service in every area of our business. If you are unhappy with the service we provide, web site or any aspect of your warranty cover we appreciate the opportunity to rectify the problem or review our service procedures. We value your comments and take complaints very seriously.

Our customer service manager will thoroughly investigate your comments and provide a report to the board where appropriate. If you were still to remain dissatisfied, ultimately you can appeal to the Insurance Ombudsman, the final recourse would rest with them.

Most companies penalise high mileage car drivers irrespective of whether a claim is made or not by charging more for the warranty. Not a particularly fair system when you think about it. Is say a sunroof switch really more likely to break if the car has travelled 70,000 miles instead of 50,000 miles?

Not only do most companies charge a higher premium, they then don't cover what is referred to as "wear and tear" (reduction in performance due to the cars age or mileage), so you lose on both counts. If a Warranty doesn't include "wear and tear" cover as standard, chances are your claim could be rejected.

Click4Warranty are distinctive in the way we treat high mileage cars.

There is no increase in premium.
We do cover wear and tear as standard.

Here's how we do it...
If your car has travelled more than 60,000 miles it is not unreasonable to suggest that if for example your gearbox was repaired, the car is actually in better condition after the repair than it was before. Therefore it is reasonable to ask for a contribution toward the repair costs. On a 67,000 mile car, this would only be 10% meaning your contribution on a £350 claim would be just £35.

For full details please refer to section 6 of the Terms & Conditions.

This is where an uninsured part breaks and damages an insured part. Click4Warranty, like all other providers, does not cover consequential loss.

However, unlike some other warranty companies we are open and honest about this exclusion. Our research has produced some surprising and misleading comments from fellow providers.

For example one website proclaims...
"If an uninsured part fails and damages or breaks an insured part, then we will pay the costs attributed to the repair or replacement of the insured part as per any other claim. Other warranty companies refuse to settle such claims."

However if you take the time to check their terms and conditions, buried in the exclusions under what they will not pay for is the following statement
"Any repair or replacement, loss or damage or liability, which is covered by any other warranty or guarantee or goodwill settlement /repair, or any form of consequential loss..."

The perfect clause to reject your claim! Always make sure to read the small print no matter how big the company.

The current labour rate of our approved Repairers is £43.50 inside the M25 and £34 outside the M25.

We use a network of independent garages across the UK. Each garage is monitored closely and extensive customer surveys are carried out continuously to ensure they are providing service in accordance with the required standards.