Labour & Claim Limits
Insured & FCA Regulated - Trusted for reliable cover since 2004
What is the policy claim limit?
Whichever level of cover you choose, we offer you the choice of a £3000, £5000 or £7000 claim limit. This is the maximum amount that you can claim per breakdown including parts, labour and vat.
How many claims can I make?
Unlimited, whichever level of cover you choose.
Is there a maximum amount the policy will pay?
The maximum amount that can be claimed per breakdown is the claim limit selected by you.
Whichever level of cover you choose, the policy provides for an unlimited number of claims up to the Glass’s Guide retail value of your car.
How much of the hourly labour rate is covered?
The hourly labour rate charged to Click4Warranty by the approved repairer, subject to your chosen claim limit and any excess, of authorised claim times is covered in full.
The usual hourly labour rate of our approved repairer is over £100. However, thanks to the large volume of warranty repair work carried out, the rate charged to Click4Warranty is significantly discounted, reducing repair costs and allowing us to pass on lower warranty premiums.
Inside the M25 - £57.60 per hour (inc vat)
Outside the M25 - £48.00 per hour (inc vat)
Who is the approved repairer?
Voted “excellent” on Trustpilot with over 60,000 reviews, our approved repairer is Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists.
Do you pay the garage directly?
To save you being out of pocket, if the work is carried out by our approved repairer, whenever possible, we settle the bill with them directly.
If you do prefer to nominate your own repairer you will need to settle the bill with the garage directly. Please ensure you contact the claims department before any work is carried out.
Where is my nearest approved repairer?
Breakdown, by its nature, is inconvenient, usually unexpecte, miles from home and the garage you usually use. With a network of over 300 Autocentres nationwide, our policy holders usually opt to use the approved repairer for fast, convenient and reliable repair.
Find your nearest approved repairers address, telephone number and opening hours.
Are repairs guaranteed?
Repairs carried out by the approved repairer carry a “Quality Guarantee” of 12 months or 12,000 miles.
Do repairs by approved repairer affect the service records?
No, repairs completed by an independent garage do not affect a vehicles service history.
Can I use my own garage?
Our policy holders have the option of using their own repairer, as long as they are vat registered, and ensure the claims procedures are followed.
Can repairs be done before I get the claim authorised?
Safety of our policy holders is paramount, so of course in an emergency situation, such as your car being attended to by a recovery organisation when the claims office is closed, your policy makes provision for the claim to be reviewed. Refer to your policy for full details.
What labour rate is covered if I use my own repairer?
If you prefer to use your own repairer, the labour content of any claim will be commensurate with the discounted labour rates charged to Click4Warranty by the approved repairer and the standard ICME mechanical repair times.
We will authorise up to a reasonable retail price for parts.
What are ICME repair times?
The Institute of Chartered Mechanical Engineers (ICME) provide an independent service that is used throughout the motor industry; garages and insurers alike, to establish labour repair times.
The only Insured Car Warranty with DAY ONE cover even for WEAR & TEAR, failure of insured parts identified at MOT & SERVICE with any choice of 1, 2 or 3 years cover for cars up to 12 years / 150,000 miles. NO LIMIT ON AGE OR MILEAGE ONCE COVER STARTS