The UK's Car Warranty Provider Since 2004

Welcome to Click4Warranty - the only online UK Warranty company where policyholders can select any level of cover if the car is under 12 years old/150,000 miles at the start of the policy - and no limit once cover starts

Please note, while our agents are working remotely, Customer Service is available 10 am – 4 pm Weekdays and claims lines are open 9:30 – 5 pm weekdays.

Click4Warranty policies are the only fully Insured, FSCS Protected, vehicle warranty where every policy provides all this AS STANDARD for cars up to 12 years old 150,000 miles...

•  DAY ONE COVER - even for Wear & Tear!
•  NO SERVICE HISTORY NEEDED TO QUALIFY FOR COVER
   See "cover at a glance" for service requirements during warranty term
•  ANY LEVEL OF COVER
•  ANY CLAIM LIMIT
•  FAILURE OF INSURED PARTS IDENTIFIED AT MOT
•  FAILURE OF INSURED PARTS IDENTIFIED AT SERVICE
•  ONE, TWO OR THREE YEARS COVER
  
•  PAY MONTHLY OR IN FULL
•  NO MAXIMUM AGE OR MILEAGE LIMIT ONCE COVER STARTS
•  NO PRE-INSPECTION REQUIRED
•  CLAIMS SETTLED FAST & PAYMENT DIRECTLY TO REPAIRER WHEREVER POSSIBLE
•  WE'VE EXTENDED THE COOLING OFF PERIOD TO 21 DAYS
   During which, policies can be cancelled, for any reason, with a full refund*
•  AND WE GIVE A DAILY RATE REFUND AFTER THE COOLING OFF PERIOD TOO!
   No need to worry if you need to cancel before the policy ends
   You'll only pay for the time your policy has been in force plus an admin fee*
  
   * Unless of course costs have been incurred or the policy administrator has been consulted
      about a failure or possible failure

Excellent Extended Warranty Cover - As Rated By Our Customers

Which Car Warranty Is Best For You?

Take the hassle out of understanding car warranty cover with our one page guide to benefits, limitations, insured parts and a quick summary of choice of policy. We guarantee the information we provide genuinely reflects the policy terms.

We offer three levels of cover to suit your pocket and the level of cover needed. Put an end to stress from unexpected mechanical and electrical failures with protection and value you can rely on from Click4Warranty.

Why Our Vehicle Warranties Are So Affordable

1. As one of the only providers focused on supplying our niche extended car warranty insurance solutions direct to consumer, you pay wholesale premiums!
2. We don’t invest in expensive TV ad campaigns, or pay heavy commissions to affiliates to advertise us.
3. By providing genuine reliable protection we have achieved success through recommendation and repeat business.

The insurer - over 3 million policies and over £125 million paid in claims in 2020.

Best Practice, Transparency And High Standards

Insurance backed policies designed to meet the insurance industries highest standards.

•  FSCS Protected & Insurance backed
•  Cover starts day one
•  Cover for wear and tear starts day one
•  Partial or no service history prior to inception no problem
•  Guarantees approved garage repairs for up to 12 months
•  Lowest standard excess of £10
•  Covers vehicles up to 12 years / 150,000 miles (no age or mileage limit once cover starts)
•  21 days cooling off period

All You Need to Know About Car Warranties

• What is a car warranty?
  
  When your car suddenly breaks down or starts making a strange noise, you get a sinking feeling at the thought of the money you’ll have to spend on repairing it. Fixing faults and replacing broken car parts can get very expensive. But the right car warranty protects you from the scary cost of mechanical faults or electrical failure.
  
  The most important thing to know is to check how to keep your car warranty valid by always reading the fine print. Hidden in that tiny writing may be some costly clauses.
  
  There may be a maximum mileage clause, or you might need to service your car at specific intervals to retain the warranty and missing a service could make it invalid.
  
  When you buy a brand-new car, you will get a warranty from the manufacturer with the car. If you get a new car warranty then check if it’s valid for a certain period of time, for example, 12, 24 or 36 months.
  
  Or it could be valid until you have clocked certain milage such as 12000, 24000 or 36000 miles.
  
  Once you have reached the end of your warranty, the manufacturer may offer an extension on it, but this won’t be free, so before you accept it, you’ll need to make sure that you have done some research into alternative prices.
  
  So, check the warranty carefully and see what exactly is covered.
• Why do I need a car warranty?
  
  Having a car can be a great convenience and often a cheaper alternative to using public transport. But sometimes it can be just the opposite. A car that is unreliable and needing expensive repairs can cause a lot of stress.
  
  Unfortunately, even a brand-new car can have a fault that needs fixing. The average used car has thousands of components and even the most prestigious cars in the UK break down from time to time.
  
  That’s why a car warranty is so vital. Whether the car needs a few minor repairs or one major replacement part, you can save yourself thousands of pounds, avoid the stress of potential debt and the inconvenience of not having a car for transport, just by having a good warranty in place.
  
  Without a warranty, the cost of any repairs will rest with you and often will need to be paid upfront for electrical or mechanical, which means you may need a few thousand pounds at hand to pay for the repairs and get your car back.
• Are all car warranties the same?
  
  No, they aren’t, which is why it’s so imperative to check yours. Every car warranty covers different parts, has different terms and conditions, and the costs for warranties can also vary significantly.
  
  You may think you’re covered for a fault until it’s time to claim for it, then you get a nasty surprise when you find out that your car warranty doesn’t cover it or is no longer valid. If anything in the warranty isn’t clear, then ask someone in the insurance industry to have a look at it and tell you what you’re covered for.
  
  Read on to make sure you’re protected by your vehicle warranty and can drive with full peace of mind.
• What if the car is new and isn’t covered by one?
  
  A warranty is not a substitute for your legal rights, it’s extra support to them. The fact is that by law, if the car develops a fault in the first six months after you’ve bought it, then it's usually assumed there was a fault with the car before you bought it. If this is the case, then it's your right to ask the dealer to repair the car free of charge or replace it.
• Will I get a warranty if I buy a used car?
  
  You should. But, unfortunately, to keep overheads down, these policies are generally very brief and may have major restrictions.
  
  However, this also depends on the type of dealer you’re buying from. A used car from a manufacturer's approved used scheme is likely to include a more comprehensive warranty than those offered by independent dealers in the UK. This is because manufacturers want to protect their brand and therefore have a vested interest; a used car with a bad warranty could damage their reputation.
• Are there different types of warranties?
  
  Yes, the two common types are;
  
  

  • 1. Manufacturer warranty
    
    This is the one you get with a new car and is included in the price of the car. This guarantees that the manufacturer will fix any faults that occur within a certain period of time and distance driven after the car is bought. Usually, this is 3 years or 60 000 miles. Any that extend beyond this will often contain caveats to retain their validity and you will find that the extent of the cover often deteriorates as the car ages or reaches higher mileage readings.
    
    So, beware of any that extend beyond the 3 years. Read them carefully or you’ll be caught out having to pay an unexpected, high repair bill.
    
    The cover afforded by new car warranties varies wildly. For example, some manufacturers cover wear and tear on obvious items such as batteries and exhausts, most will exclude wear and tear on other items such as tyres, exhausts, clutch plates, brake discs and brake pads, and all of these can be very costly to replace or repair.
    
    Also, things like brake pads can wear down quite quickly and can never be put off replacing or fixing, as driving with worn or faulty brake pads and discs put your and any passenger’s lives in real danger.
    
    Typically, the cost of repairs as a result of mechanical breakdown will be covered by the manufacturer's warranty if there are faults with the following parts;
    
    
    • • Engine
    • • Gearbox
    • • Fuel
    • • Ignition
    • • Electrical systems
    • • Steering
    • • Cooling
    • • Non-frictional brake and clutch parts
    It bears repeating;
    
    Read the fine print! Tucked away in there, you might find other exclusions. But, despite the small print and exclusions, new car warranties in the UK generally do provide a comprehensive level of protection against unforeseen mechanical breakdown.
  • 2. Dealer Used Car Warranty
    
    Used cars bought from dealers will normally come with a car warranty included. Main dealers will tend to be tied in to the manufacturer’s extended car warranty cover. This cover will be reasonably extensive and should last for twelve months, with realistic claim limits. The pitfall is that it won’t cover parts that fail due to wear and tear, the most common repair requirement of a used car.
    
    Many used cars being offered for sale are unlikely to still benefit from the original manufacturer's warranty, so car dealers include extended car warranty insurance to increase their chance of selling the car.
    
    Be extra vigilant about understanding a car warranty issued by a dealer. Especially if you buy from an independent garage or used car supermarket.
    
    Things to look out for are:
    
    
    • • In part-exchanges. Often, these will be sold with either the dealer’s own car warranty or one sourced from a third-party provider. These will often favour the dealer when it comes to footing the bill for repair costs and this will only be outlined in the fine print.
    • • Where it must be repaired. It may also state that you need to return to the seller for any repairs. If you live close by, this may be a good solution for you and their business, but it’s costly and inconvenient if the car breaks down and you are hundreds of miles away.
    • • A residual or top-up warranty. You might also find yourself with the residue of the manufacturer’s car warranty, topped up by a less comprehensive extension. Be clear about what it covers and where the shortfalls are.
    • • Short cover period. Car warranties offered by Independent garages will often have very short cover periods of 3 or 6 months, with larger Independents sometimes offering 12, but the price of the car is likely to increase alongside the period of cover included.
    You may want to consider accepting a shorter car warranty period and seek out an extended car warranty from a specialist provider because their cover is often better and more likely to pay out when problems arise.
• Mechanical Breakdown Insurance (MBI)
  
  This is an insurance policy underwritten by an insurance company. It’s a clear, legal agreement that the insurance company will indemnify the policyholder against the cost of repairs for insured components.
  
  When you're looking for an affordable used car warranty, getting one that is insurance backed has strong advantages.
  
  Firstly, insurance contracts are strictly regulated by the Financial Conduct Authority (FSA).
  
  This means that the firm issuing the insurance contract have gone to considerable lengths to be regulated and offer a trustworthy insurance product, as this is both costly and time-consuming.
  
  Therefore, if the warranty is insurance backed, then the provider, broker or online supplier must be authorised by the Financial Conduct Authority (FCA), even if all they are doing is providing quotes.
  
  If they are not FCA regulated and approved and even issue a quote, then they are breaking the law.
  
  All insurance providers have to provide reporting to the FCA on a regular basis about their products and, importantly, any complaints against them.
  
  So, if a firm is regulated by the FCA, it's fair to say an assumption can be made as to their credibility and solvency.
  
  Also, insurance-backed warranties benefit from the protection of the Financial Services Compensation Scheme (FSCS).
  
  This is a "statutory fund of last resort" in the UK, set up under the Financial Services and Markets Act 2000 to compensate customers that hold insurance policies with authorised financial services firms that become insolvent. This is like having insurance for your insurance!
  
  Simply put, The Financial Services Compensation Scheme consolidated previous compensation schemes into one combined scheme. So, if your insurer goes bust, you can recover all or at least part of your loss from the FSCS.
  
  Like the manufacturer's warranty, there will be small print so read through it carefully.
  
  Quotes and warranties vary widely, however, another benefit of an insured warranty in the UK is The Association of British Insurers lays down guidelines on how companies sell warranties. So, for your own protection, make sure you buy an insured warranty as they will have abided by the ABI code.
  
  When buying a policy from Click4Warranty, you are buying directly from the insurer; not an IT company, broker or advertising firm.
  
  Now that you know you must be insured by a regulated insurer, you need to decide just how comprehensive your cover needs to be.
  
  Bear in mind that if you choose the cheapest warranty option, you may not be covered for the six major mechanical items;
  
  

  • • Engine
  • • Ignition
  • • Electrical system
  • • Gearbox
  • • Steering
  • • Suspension
• Obligor Warranty / Guarantee
  
  Be careful of this one.
  
  This is just an agreement between the provider of the uninsured warranty and the buyer.
  
  Whilst it is often referred to by the supplier as a warranty, this is not necessarily the case and often causes frustration and confusion for car owners.
  
  "Some firms, such as car dealerships, offer their own warranties to cover repairs or mechanical faults as part of the sale of the goods. This includes car dealers who offer additional warranties to extend manufacturers' guarantees on new cars or mechanical guarantees on used vehicles. We (the FCA) have concluded that contracts of this kind are unlikely to be insurance. This is because the warranty is a consequence of the contract of sale, under which the substance of the provider's obligation is the sale of goods that meet the required (often statutory) quality standard, not the provision of insurance. In this situation, the warranty does not involve a transfer of risk, but a recognition (and crystallisation) of an existing responsibility."
  
  If the car warranty is uninsured, no matter how credible the company may seem, you will have very little recourse if the company refuses the payout or they go out of business.
  
  A good example of this was the bankruptcy of UK warranty provider Motorcare Elite in 2021.
  
  Their warranties were uninsured and their customers were left stranded with no recourse after they were banned by the then FSA.
  
  Even though the Financial Services Authority (FSA) published information on their website explaining what customers of Motorcare Elite should do if they had taken out a policy with the firm, it still had no sway over resolving unpaid claims because the "warranty" was uninsured.
  
  This has once again raised the importance of ensuring you thoroughly check that any extended policy you take out is fully insured.
  
  In the unlikely event the insurer simply can’t payout, then you will be covered by the Financial Services Compensation Scheme.
  
  If a company offers uninsured warranties, then questions should be raised as to why they are avoiding being regulated and this should raise a big red flag to avoid them.
• What should a warranty cover?
  
  When you're considering the purchase of a car warranty, there are a handful of factors that matter. Here's a quick, useful checklist to follow when searching for a car warranty.
  
  The warranty will always be determined by the manufacturer or the type of warranty you choose.
  
  But the common items that should always be covered are:
  
  

  • • Engine
  • • Fuel systems
  • • Clutch
  • • Gearbox
  • • Suspension
  • • Brakes
  • • Steering
• What should I look out for?
  
  If you don’t want to run through your warranty with a fine-tooth comb (and you should!) there are a few things you need to know and should look out for;
  
  

  • • There's little chance of any warranty covering damage caused by misuse or accidents. (Or, regrettably, even what only the dealer deems to be misuse.)
  • • Cars imported from Europe are likely to only have two years of warranty protection.
  • • The manufacturer may be keen to encourage you to have your car serviced by an approved repairer and may not cover repairs if you have used your own independent garage, even if they use manufacturer original or approved equivalent parts.
  • • Servicing rules may say that you need to get serviced at certain intervals to qualify for payment under warranty. They may give some leeway between 500-1000 miles over or within 30 days of the due date.
  • • Does it cover the full garage hourly labour costs? Check that it doesn’t just cover some labour costs or just parts.
  • • There may be some regular maintenance outside of the usual service that is required to keep the car warranty valid.
  • • Some warranties may pay up to a certain amount which means you’ll be liable for the excess.
  • • Make sure you understand exactly what wear and tear it covers.
  • • Check that it also covers the time it takes to determine where the faults are.

  These are all quick checks you can do yourself to ensure that you are well-informed should something go wrong with your car. This means you can either consider additional cover where necessary or claim what is owed when there are costly repairs to be done.
• What level of cover do I need and where can I get it from?
  
  The internet now provides the consumer with an array of providers and different levels of cover.
  
  But this doesn’t mean that all of them are legitimate companies. While it may be tempting to take out a cheap car warranty just to cover the basics, you must do your research to ensure they are regulated but also you may find more comprehensive cover that costs only slightly more and offers better peace of mind.
  
  It’s better to take your time and seek out affordable car warranty quotes that offer the level of protection you need.
  
  Fortunately, in the UK there are many insured warranties available, and you don't have to pay the high premiums demanded by the dealer, you can research the cover and cost online.
  
  Remember, when searching for car warranty options online;
  
  

  • • Look for companies that are regulated by the Financial Conduct Authority (FCA), where the policy terms are readily available.
  • • If it's simple to get a quote, then they're in the business of selling warranties. If you're expected to supply a list of details like your address, motor insurance expiry just for a quote, then it's likely you're on a site selling data to third party UK marketing companies.
  • • It’s always best to buy directly from the insurer rather than an affiliate or administrator.
  • • If the quote is suspiciously cheap, then ask yourself how comprehensive and reliable can a warranty be if the quote is really cheap?

  
  We all get excited about finding a great deal or bargain. But some things shouldn’t come cheap.
  
  Remember the old sayings “if it seems too good to be true, it probably is” and “you get what you pay for!”
• How do I find the right car warranty?
  
  Don’t feel you have to carry the responsibility of finding the perfect car warranty alone. Speak to the professionals about your needs and your budget. Let them help you find the right solution and offers protection against the high costs of a mechanical breakdown, that won’t cost you a fortune.
  
  Click4Warranty only provides affordable, insurance-backed warranties and we pride ourselves on simple, clear and transparent terms.
  
  One policy with three levels of cover to choose from.
  
  We cover wear and tear, and we don't insist on your car being serviced in accordance with the manufacturer’s specification.
  
  In fact, when you take out the policy you don't even have to have a service history. Simply have a 5- point check carried out within 21 days or 500 miles, then your cover starts from day one.
  
  And we do not bury self-serving clauses in the fine print.
  
  If you are considering purchasing a warranty, get in touch with us. We’ll provide you with simple, fast, affordable car warranty quotes.