Betterment

Always ensure the warranty you buy is Insurance Backed!




Click4Warranty policies are insurance backed contracts and we are authorised and regulated by the Financial Conduct Authority.  

As an FCA Regulated provider we ensure our web-site reflects the cover of our policies and draws attention to significant terms.

Our guides are designed to simplify the process and highlight the Click4Warranty ethical approach.



DAY ONE COVER - No extra premium to pay

All Click4Warranty policies include cover from day one.  If the fault is covered by your policy, and you have acted within the terms of your policy, your claim will be authorised!



No betterment contribution due to the age of your vehicle

Whatever age your car, our policies are distinctive because betterment applies only to cars over 60,000 miles. This means if you have a 10 year old, 50,000 mile car - no betterment contribution!



Vehicles under 60,000 miles

If the fault is covered by your policy, and you have acted within the terms of your policy, your claim will be authorised from day one... even if it's due to wear and tear!
 
All of our policies cover 100% of parts, labour and vat for valid claims carried out at our approved repairer (up to your chosen claim limit.).
 
Repairs are guaranteed for the sooner of 12 months or 12000 miles and the standard claim excess is just £10.


 

Vehicles over 60,000 miles

Whether your car has covered 1,000 or 150,000 miles, no increase in premium.  Why should you be penalised BEFORE making a claim!?
 
If the fault is covered by your policy, and you have acted within the terms of your policy, your claim will be authorised from day one... even if it's due to wear and tear!
 
Repairs are guaranteed for the sooner of 12 months or 12000 miles and the standard claim excess is just £10.  You will be required to meet a betterment contribution.



Betterment for vehicles 60,000 to 150,000 miles

You benefit from all the protection of our polices at no extra premium, the standard excess remains at just £10.
 
If you do make a valid claim, a "betterment" contribution is required.
 
This is not hidden in the terms and serves to catagorically highlight valid claims are covered regardless of mileage.



Betterment Example

Using the head gasket as an example and assume it takes 5 hours to complete the repair.
REPAIR................................ Head gasket
LABOUR TIME....................... 5 hours
TOTAL RETAIL REPAIR COST..... £700 inc vat

In this example, £700 is the retail cost and amount you would pay for the repair without a Click4Warranty policy.

STEP ONE
A discount is applied due to the shere volume of business we place, the total cost of the repair in this example would be reduced to £400

STEP TWO
We calculate the betterment percentage depending on the mileage of your vehicle.
     - Up to 60,000 miles - zero
     - Up to 70,000 miles - 10%
     - Up to 80,000 miles - 20%
     - Up to 90,000 miles - 30%
     - Up to 100,000 miles - 40%
     - Over 100,000 miles - 50%

STEP THREE
The betterment is calculated on the discounted repair cost, in this example £400.  Making the contribution as follows
     - Up to 70,000 miles £40
     - Up to 80,000 miles £80
     - Up to 90,000 miles £120
     - Up to 100,000 miles £160
     - Over 100,000 miles £200

As you can see, even if your vehicle has covered over 100,000 miles, your contribution would be just £200.  A vast saving on the £700 you would have to pay without our policy!


 

Remember, even if your car is high mileage

Your cover starts day one
Wear and tear is included as standard
The standard excess remains at just £10
We don't increase the premium for high mileage cars



FACT !
At Click4Warranty there is no betterment in relation to the age of your car!


FACT !
Only if your car has covered more than 60,000 miles is there any betterment contribution!


FACT !
At our 300+ Approved Repairers, labour contribution ranges from zero to maximum of just £28.08ph