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Product FAQs
Mechanical Breakdown Insurance (also known as an extended car warranty) provides valuable financial protection against the high cost of unexpected mechanical or electrical failures. It helps cover parts, labour, and VAT on covered components, so you’re not left facing large repair bills alone.
With Click4Warranty, you also benefit from additional support such as roadside recovery contributions, hire car allowance, and accommodation assistance when needed.
Click4Warranty extended car warranties provide broader protection than a manufacturer warranty. If a covered component suffers a mechanical or electrical failure, we pay out up to your chosen claim benefit limit (including parts, labour, and VAT). Many policies also include Wear & Tear cover on insured parts.
As long as you meet the policy conditions (such as regular servicing), we’ll handle your claim professionally and aim to get your car back on the road quickly.
Click4Warranty offer three options to suit different needs and budgets:
- Drive Easy – Affordable cover focused on major mechanical and electrical breakdowns (not available for EVs).
- Drive Elite – Comprehensive cover with Wear & Tear protection up to 6 years or 60,000 miles.
- Drive Elite 10 Year – Our most extensive option with the widest component coverage and Wear & Tear protection up to 10 years or 100,000 miles.
Yes, especially once the manufacturer warranty has expired. Click4Warranty policies are specifically designed for used cars, offering options for vehicle aged up to 10 years and/or 100,000 miles, or with no age and mileage limits.
No. We keep things simple — there is no pre-inspection or health check required. Your cover starts from the moment your premium is received.
No. You can take out a policy even with a partial or missing service history. Simply ensure your car is serviced by a VAT-registered garage within 21 days or 500 miles (whichever comes first) of your policy start date, then continue following the manufacturer’s schedule.
Wear & Tear refers to the gradual deterioration of parts due to normal use, age, and mileage. Click4Warranty includes Wear & Tear cover from day one on covered components (excluding routine service items like brake pads or filters).
The best time is as soon as your manufacturer warranty ends, or when buying a used car.
Options include cover for vehicles with no age or mileage limits, or for vehicles aged up to 10 years and /or 100,000 miles. Once started, there are no further age or mileage limits (except for Wear & Tear claims).
The policy should be in the name of the registered keeper or owner of the vehicle.
You have two convenient options:
- Pay in full by debit or credit card.
- Spread the cost with our monthly payment plan (20% deposit followed by 9 equal payments). No credit checks required.
Yes. Your premium covers the full term you choose (12, 24, or 36 months), provided it is paid in full.
We cover most cars, vans, and pickups. Exclusions include heavily modified vehicles, taxis, driving school cars, motorsport vehicles, and those over 3.5 tonnes. Please check the policy wording for full details.
Yes. Your policy includes up to £100 towards roadside recovery, plus contributions for hire cars and accommodation when needed.
Yes. You can transfer the remaining cover to a private buyer for a £25 administration fee, provided the vehicle has been properly serviced and all documentation is passed on.
No. The policy is tied to the specific vehicle.
Yes. Our UK-based Customer Service Team is available Monday to Friday, 9am–5pm to help with any questions. Call us on 0203 921 0635 or use live chat.
Red Sands Insurance Company (Europe) Limited, who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.
Monthly Payments FAQs
The Click4Warranty monthly payment plan allows you to spread the cost of you cover. On taking out your policy, you will pay a 20% deposit, and then the balance of your premium is spread over 9 convenient, monthly payments. Each monthly payment will be applied to the credit/debit card used to pay your deposit.
This is not a credit agreement and we will not search the information a credit reference agency holds about you, and your payment will not be subject to any interest rate changes made by the Bank of England.
The monthly payment amount, transaction fee and number of monthly payments you will have to pay are shown at the time of purchase, in your Policy Schedule under Payment Options.
Each monthly payment will be deducted from your assigned card on the 1st day of the month starting from the 1st day of the month following the date the policy was purchased. You do not need to schedule payment, plan payments or make a manual payment on the payment date.
Claims FAQs
There is an excess payable on any Click4Warranty policy claims. Please see your policy terms for more information.
As soon as you complete your application and your premium is received, your policy documents will be emailed to you at the address you provided.
In the event you decide this cover isn’t for you, you can cancel with a full premium refund during the first 21 days, so long as you haven’t made a claim, or don’t intend making one.
If you decide to cancel after the 21 days, you will be eligible for a pro-rata refund, under the same conditions, less an administration fee of £50.
Our specialist claims managers, AutoProtect (MBI) Ltd. Have been appointed to provide you with an efficient and effective claim experience.
To register your claim, please follow the process that works best for you:
- Visit www.apapp.co.uk and follow the steps to start your claim
Or
- Download the AutoProtect App on your smartphone by searching “AutoProtect Claims”.
Or
- Text the word APAPP to 88802 and you’ll receive a download link via SMS (texts are charged at your standard network rate).
Please be sure to contact us as soon as possible to avoid any unnecessary delays in settling your warranty claim.
We will assist you to deal with the repairer, ensuring the issue is resolved quickly and without issue. If you let us know quicky, we will negotiate on your behalf and ensure your repair is completed properly and timeously, to avoid you being out of pocket or inconvenienced for longer than necessary.
If you have no car warranty cover in place you’ll be left facing the repair bill alone, which could have a significant impact on your finances and leave you short of funds to cover other demands.
The good news is that if you have Warranty Insurance with Click4Warranty, you won’t face this alone and you could well be protected from the stress of a financial nightmare.
Your Click4Warranty claim settlement is paid directly to the repairer, except in the case of an afterhours emergency, avoiding you being left out of pocket.
Click4Warranty pays all valid claims. However, there some circumstances in which a claim will not be considered valid, such as:
- Neglect, corrosion, rust or deterioration.
- Not keeping the vehicle in a roadworthy condition.
- Not servicing the vehicle in line with the servicing requirements once the cover has started.
- Accidents and accidental damage to the vehicle.
Your policy document will detail the full list of exclusions.
Click4Warranty Mechanical Breakdown Warranty Policy Wording
Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document
Red Sands Insurance Company (Europe) Limited, who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.