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How to claim from your extended warranty cover
You took out your Click4Warranty extended warranty so that if your car ever has a mechanical breakdown or electrical failure, you’d have the cover you need, when you really need it. None of us wants to be in a position that we need to make a claim, because it’s stressful to have your car in a repair centre for days, and be left without transport… and then, on top of all that, to have to deal with a long and complicated claims process.
That’s why we’ve done everything in our power to make this as simple and stress-free as possible. We want you to enjoy the peace of mind you anticipated when you took out your cover, and pay your claim out swiftly, directly to your repairer within days, to save you the hassle of paying them. That’s what you’ll appreciate about being a Click4Warranty policy holder.
Please follow these simple steps to get your claim started… then leave us to do the rest.
Want to check your breakdown is covered?
All of our Click4Warranty policies provide protection from day one, towards the cost of parts, labour and VAT for the repair or replacement of the insured parts listed for the policy option you selected. You’re covered as a result of sudden mechanical breakdown or electrical failure, or if identified as likely to suffer an imminent breakdown or failure by a suitably qualified technician during a routine service or MOT, and for Wear & Tear.
Your claim is covered up to the benefit level selected by you. To check which parts are covered under your selected policy option, click the relevant link below.
| Covered Component | Click4Warranty 3-Star Car Warranty Provides cover for all mechanical and electrical parts for the covered components listed below |
| Air Conditioning (factory fitted) | Air conditioning compressor unit. |
| Anti-Locking Braking System | ABS modulator and sensors. |
| Automatic Gearbox | Internal shafts, gears, clutches, brake band, valve block, governor, oil pump, bearings and bushes, servo, drive plate and transfer gear. |
| Brakes | Front and rear drive axle wheel bearings. |
| Casings | Should the failure of any of the covered components result in damage to the casings, then they will also be covered and will constitute part of the maximum claim liability. |
| Continuously variable transmission CTX | Internal clutches, planetary gears, reduction gears, shafts, variable pulleys, thrust link drives, internal seals, bushes and bearings. |
| Differential | Internal crown wheel and pinion, planet gears, shaft bearings and bushes, thrust washers and spacer. |
| Engine | Rocker assembly including hydraulic followers, inlet and exhaust valves (excluding burnt valves), springs and guides, cylinder head (excluding cracks an de-coking or porous heads), cylinder head gasket (except skim), push rods, camshafts and followers, timing gears and chains (excluding tensioner), oil pump, pistons and rings, cylinder bores, con rods, gudgeon pins and bearings, crankshaft and bearings, inlet manifold, flywheel and ring gear. Timing belts are covered provided they have been changed in line with the manufacturer’s schedule (proof required). |
| Engine Cooling System | Viscous fan coupling. |
| Front and Rear Suspension | Coil springs. |
| Fuel System | Carburettors, mechanical or electrical fuel pumps, injection pump. Note: Cover is provided up to a maximum £100 including VAT per claim. |
| Manual Gearbox | Internal gears, internal shaft, synchromesh hubs, selectors, bearings and bushes, transfer gears. |
| Propshaft | Universal joints and couplings. |
| Torque Converter | Failure of any internal mechanical parts. |
| Turbo Charger | Turbo charger unit. |
| Wheel Bearings | Front and rear drive axle wheel bearings. |
| Working Materials | Oils, oil filter and anti-freeze are covered only where their replacement is essential as a direct result of the failure of a covered component. |
| Wear & Tear | Covers failure of mechanical and electrical parts due to Wear & Tear. |
| Parts not covered | The above list specifies each insured part. If the part is not listed, it is not covered. |
| Covered Component | Click4Warranty 4-Star Car Warranty Provides cover for all mechanical and electrical parts for the covered components listed below |
| Air Conditioning (factory fitted) | Air conditioning compressor unit. |
| Anti-Locking Braking System | ABS modulator and sensors. |
| Automatic Gearbox | Internal shafts, gears, clutches, brake band, valve block, governor, oil pump, bearings and bushes, servo, drive plate and transfer gear. |
| Brakes | Front and rear drive axle wheel bearings, brake master cylinder, wheel cylinders, restrictor valve, brake caliper seals. Note: Cover is limited to £100 including VAT per claim. |
| Casings | Should the failure of any of the covered components result in damage to the casings, then they will also be covered and will constitute part of the maximum claim liability. |
| Continuously variable transmission CTX | Internal clutches, planetary gears, reduction gears, shafts, variable pulleys, thrust link drives, internal seals, bushes and bearings. |
| Clutch | Centre plate materials, pressure plate, release bearing, oil contamination (centre plate only), master and slave cylinders. Note: Cover for labour is not provided for these parts. |
| Differential | Internal crown wheel and pinion, planet gears, shaft bearings and bushes, thrust washers and spacer. |
| Electrical System | Starter motor and solenoid, including pre-engagement mechanism and bendix drive, alternator, diode pack, coil voltage regulator, indicator relay, front windscreen wiper and washer motors. Note: Cover is provided to a maximum £100 including VAT per claim. |
| Engine | Rocker assembly including hydraulic followers, inlet and exhaust valves (excluding burnt valves), springs and guides, cylinder head (excluding cracks an de-coking or porous heads), cylinder head gasket (except skim), push rods, camshafts and followers, timing gears and chains (excluding tensioner), oil pump, pistons and rings, cylinder bores, con rods, gudgeon pins and bearings, crankshaft and bearings, inlet manifold, flywheel and ring gear. Timing belts are covered provided they have been changed in line with the manufacturer’s schedule (proof required). |
| Engine Cooling System | Viscous fan coupling, water pump, thermostat housing, thermostat. |
| Front and Rear Suspension | Coil springs. |
| Fuel System | Carburettors, mechanical or electrical fuel pumps, injection pump. Note: Cover is provided up to a maximum £100 including VAT per claim. |
| Manual Gearbox | Internal gears, internal shaft, synchromesh hubs, selectors, bearings and bushes, transfer gears. |
| Propshaft | Universal joints and couplings. |
| Torque Converter | Failure of any internal mechanical parts. |
| Turbo Charger | Turbo charger unit. |
| Wheel Bearings | Front and rear drive axle wheel bearings. |
| Working Materials | Oils, oil filter and anti-freeze are covered only where their replacement is essential as a direct result of the failure of a covered component. |
| Wear & Tear | Covers failure of mechanical and electrical parts due to Wear & Tear. |
| Parts not covered | The above list specifies each insured part. If the part is not listed, it is not covered. |
| Covered Component | Click4Warranty 5-Star Car Warranty Provides fully comprehensive cover for all of the components listed below |
| Air Conditioning (factory fitted) | Air conditioning compressor unit. |
| Anti-Locking Braking System | ABS modulator and sensors. |
| Automatic Gearbox | Internal shafts, gears, clutches, brake band, valve block, governor, oil pump, bearings and bushes, servo, drive plate and transfer gear. |
| Brakes | Front and rear drive axle wheel bearings, brake master cylinder, wheel cylinders, restrictor valve, brake caliper seals and servo. |
| Casings | Should the failure of any of the covered components result in damage to the casings, then they will also be covered and will constitute part of the maximum claim liability. |
| Continuously variable transmission CTX | Internal clutches, planetary gears, reduction gears, shafts, variable pulleys, thrust link drives, internal seals, bushes and bearings. |
| Clutch | Centre plate materials, pressure plate, release bearing, oil contamination (centre plate only), master and slave cylinders. |
| Differential | Internal crown wheel and pinion, planet gears, shaft bearings and bushes, thrust washers and spacer. |
| Electrical System | Starter motor and solenoid, including pre-engagement mechanism and bendix drive, alternator, diode pack, coil voltage regulator, indicator relay, front windscreen wiper and washer motors, rear windscreen wiper and washer motors, window and sunroof motors, indicator flasher relay, electric window switches, sunroof switch, centralised locking, heater fan motor, distributor, electronic ignition amplifier, thermostatically controlled radiator fan motor, horn and multifunction stalk switch. |
| Engine | Rocker assembly including hydraulic followers, inlet and exhaust valves (excluding burnt valves), springs and guides, cylinder head (excluding cracks an de-coking or porous heads), cylinder head gasket (except skim), push rods, camshafts and followers, timing gears and chains (excluding tensioner), oil pump, pistons and rings, cylinder bores, con rods, gudgeon pins and bearings, crankshaft and bearings, inlet manifold, flywheel and ring gear. Timing belts are covered provided they have been changed in line with the manufacturer’s schedule (proof required). |
| Engine Cooling System | Viscous fan coupling, water pump, thermostat housing, thermostat, heater matrix, radiator, oil cooler. |
| Engine Management (ECU) | Engine electronic control unit. |
| Front and Rear Suspension | Coils springs, hydrolastic displacers and hydropneumatic spheres, upper and lower wishbones, ball and swivel joints. |
| Front Wheel Drive | Drive shafts including constant velocity joints, universal joints and couplings (not gaiters). |
| Fuel Injection System | Throttle body, airflow meter, idle control valve, cold start valve, warm up regulator, overrun cut off valve, throttle potentiometer, fuel accumulator, pressure regulator and map sensor. |
| Fuel System | Carburettors, mechanical or electrical fuel pumps, injection pump, automatic choke, lift pump and tank sender unit. |
| Manual Gearbox | Internal gears, internal shaft, synchromesh hubs, selectors, bearings and bushes, transfer gears. |
| Propshaft | Universal joints and couplings. |
| Rear Wheel Drive | Half shafts, rear-wheel external drive shafts including constant velocity joints, universal points and couplings (not gaiters). |
| Steering (including power assisted steering) | Steering rack and pinion (not gaiters), steering box, idler box, power steering rack and pump, power steering reservoir. |
| Torque Converter | Failure of any internal mechanical parts. |
| Turbo Charger (factory fitted) | Turbo charger unit. |
| Wheel Bearings | Front and rear drive axle wheel bearings and both front and rear wheel bearings. |
| Working Materials | Oils, oil filter and anti-freeze are covered only where their replacement is essential as a direct result of the failure of a covered component. |
| Wear & Tear | Failure of covered mechanical and electrical components due to Wear & Tear. |
| Parts not covered | The above list specifies each insured part. If the part is not listed, it is not covered. |
For further details of your cover, including your warranty benefits, limitations, exclusions and labour rates, please see Cover at a glance.
Need to register a new claim?
It’s best to register your claim as soon as possible, and definitely before you accept any quote from the repairer:
- As soon as you notice a problem with your car, give us a call. You don’t need to wait for it to break down. Even if it’s during a routine service or your MOT test, let us know and we’ll be ready to help you. You’ll reach the Claims Administrator on 01279 456501 (option 1) during office hours.
- Our claims managers are all qualified or experienced technicians. They’ll guide you through the process, and help you to locate a convenient, approved repairer, to you get back on the road quickly and safely.
- Once you have a repairer identified, you can take your car to them so they can identify the fault. Approved repairers know and understand our claims process, so remember to take your Policy Documents with you.
- The garage will contact our Claims Administrator to see if the repair is covered, and request an authorisation number.
- Remember to make sure an authorisation number has been provided from the Claims Administrator before the repairer starts with the repairs. Repairs may not be covered if they are started before they are authorised.
- To save you from being out of pocket, in the majority of cases the approved repairer will be paid directly. You’ll just need to settle any amount not covered by your warranty. You will know about this beforehand, as it’ll be linked to the benefit level you selected when you took out your policy.
Below you’ll find details of when to start your claim and what information you’ll need, as well as answers to many other questions.
Need after hours, emergency repairs?
We understand that cars can let you down outside of office hours, and about situations where it’s not possible to call us beforehand, so we’ve made special provisions for this too.
If you find yourself in this situation, then please make sure to follow this process:
- Keep any parts that have been removed from your vehicle so that we can inspect them if necessary.
- Ask the repairer for a VAT receipt that clearly displays:
- Your vehicle details
- The details of the repair, including the cost of any part(s) and labour
- The time and date the repair was diagnosed and carried out.
- Make sure to contact the Claims Administrator as soon as you can on the next business day.
- Please make sure you follow the policy conditions and that the faulty parts are listed under your policy covered parts.
Want to follow up on an existing claim?
If you have any questions about a current claim, please feel free to call our claims managers, who will be happy to assist:
Monday – Friday 9am – 5pm, or Saturday 9am – 1pm
Please note that calls are charged at local rates
Claims FAQ
Knowing how confusing it can sometimes be, we’ve put together some helpful FAQs to assist you in how to claim from your car Warranty Insurance. However, if you don’t find what you’re looking for here, please feel free to give us a call:
Monday – Friday 9am – 5pm, or Saturday 9am – 1pm
Please note that calls are charged at local rates
When should I start my extended car warranty claim?
- As soon as you notice a problem with your car and you suspect you may have a claim, even if it hasn’t yet broken down, feel free to give us a call.
- You can also call us if a problem is spotted during a routine service, or during your MOT test.
- Let us know just as soon as you can, and we’ll be ready to help you locate a suitable, approved repairer.
Remember, always register your claim as soon as you can, and definitely before you accept any quote from the repairer or start the work:
You can call us on 01279 456501 (option 1) during office hours.
What information will I need to lodge a claim?
You will need to have the following information handy:
- The reason for the breakdown or failure (if known), or your cause for concern if this is before a breakdown.
- Your details, your vehicle details, and your policy number.
- The current location and condition of the vehicle (driveable, not driveable, broken down).
Once we have this information we’ll be able to assist you in determining if you have a claim and how to move forward.
How will you manage my claim?
Our aim is to make your claim as fast and stress free as possible. Managing claims efficiently takes qualified and experienced professionals, that’s why we’ve appointed the specialist claims management company, AutoProtect (MBI) Ltd., to manage your claim experience and deliver fast settlement.
Can I use my own repairer?
You have the option of using your own repairer, as long as they are VAT registered, and will follow the claims procedures.
Can I start the repairs before the claim is authorised?
We know that on occasion your car might breakdown outside of office hours, or in a situation where it’s not possible to call the Claims Administrator as required. Only in this kind of emergency can you authorise the repairs to go ahead.
If this should happen, please be sure to:
- Keep any parts that the repairer removes or replaces, so we can inspect them to validate your claim.
- Request a VAT receipt from the repairer, that clearly indicates:
- Your vehicle details
- The nature and cause of the breakdown
- The details of the repair, including the cost of any part(s) and labour
- The time and date the fault was diagnosed and the repair carried out.
- Always make sure to contact the claims department at the earliest possible opportunity on the next business day.
- Authorisation of your claim will depend on you having followed the terms of your policy and this claims process, as well as the parts being listed as covered parts under the policy option you selected.
How will my claim be handled?
All of our extended car warranty claims are managed in the UK, by the expert claims team of Autoprotect Limited. They manage our claims with expert attention and settle valid claims within days.
Their claims team are all expert, trained technicians, and their dedicated and experienced claims handlers and loss adjusters will provide you with the assurance that your claim will be handled efficiently and effectively, from the very first notification, to desk and field-based validation, through to claims resolution and associated reporting.
How much can I claim, and how many times can I claim?
You can claim up to the maximum benefit level you selected for each valid claim that you make. And, there’s no limit to the number of claims you can make in the lifetime of your policy, as long as you follow the terms of the policy option you selected.
Should I accept the repair quote from the repairer?
Please do not accept any quote from the repairer, or start with the repairs, until our Claims Administrator have issued an authorisation number for your valid claim. If it’s an emergency situation you may go ahead, but be sure both you and the repairer follow the emergency claims process.
Who will you pay in the event of a claim?
Your extended warranty claim for repairs will be made directly to the repairer to save you from being out of pocket. This is why it’s important to wait for the authorised claim number to be issued by our Claims Administrator.
What hourly labour rate is covered?
The hourly labour rate for authorised claim times (based on ICME repair times) is covered in full, subject to the maximum benefit level you selected if you use an approved repairer.
If you would prefer to use your own repairer, we will cover up to the equivalent national labour rate (including VAT) negotiated by AutoProtect. This is currently £57.60ph if the repairer is inside the M25, or £48.00ph outside the M25.
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.
What if it’s not apparent what’s causing the fault?
Usually, the cause of a fault is apparent and the repairs can be completed straightaway. Sometimes though, it isn’t clear what is causing the fault and the garage needs to investigate the cause. If this happens, and the garage makes a charge to identify the fault, the cost of the diagnosis will not be covered.
How quickly will you pay my claim?
We appreciate that your car being off the road is inconvenient and places a strain on you and your family, so we do everything in our power to make the claim process as quick and stress-free as possible.
In addition, we are totally committed to treating our customers fairly, and this means effective claims resolution and fast payment of claims, generally within days of receiving all of the required documents from yourself and the repairer.
Would I get compensation if you’re unable to pay my claim?
Red Sands Insurance Company (Europe) Limited, who underwrite your policy are protected by the Financial Services Compensation Scheme. This means that if the Insurer isn’t able to meet its responsibilities, you will be protected by the Financial Services Compensation Scheme (FSCS).
You can obtain further information about this compensation scheme at www.fscs.org.uk, or by emailing them at enquiries@fscs.org.uk, or by calling them on 0800 678 1100.
How much will my extended warranty pay out?
This will depend on the maximum benefit level you selected when you took out your policy, as well as the cause of your breakdown or failure event. Generally, valid claims will be paid out within days, directly to the approved repairer and can be as much as the maximum benefit level you selected, per claim.
When might my car warranty not pay out?
Your Click4Warranty policy details the circumstances that you cannot claim. These include, for example:
- Items replaced during routine service such as tyres, brake pads, bulbs, batteries etc.
- Pre-existing faults identified as faulty before the policy start date
- Negligence or intentional damage
- Timing belts if not changed in line with the manufacturers schedule
- Clutch parts are covered, but not if they're burnt or worn out
- If your car has been modified from the manufacturer specification
- Any claims for bodywork, paintwork and glass
- Vehicles that have less than 28 days valid MOT at time of policy purchase
