Wear & Tear Day One Cover
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!
Every policy covers Wear & Tear... from day one
Included in the premium, whatever the age, whatever the mileage, without exception, is cover for wear and tear FROM DAY ONE. There is nothing extra to pay.
"Wear and tear is the expected gradual reduction or deterioration in operating performance due to the mileage of a car"
Be aware of the small print
To be clear, all Click4Warranty policies include protection against both "mechanical breakdown" and "wear and tear" from day one. So your Click4Warranty policy WILL pay toward the cost of repairs even when an insured part fails as a result of "wear and tear".
If you really want to protect yourself against rejection of a claim, the terms must clearly state both "mechanical breakdown" and "wear and tear" are covered as standard.
What to look out for when shopping around...
Sadly, there are still policies out there with small print that means claims are declined when a part wears down rather than breaks.
Even if the advert says the part is covered, the claim gets declined due to the age, mileage or even use, of the car. They simply attribute the fault to "wear and tear"!
We found these tricky disclaimers buried in some online polices!
"If your Vehicle suffers a Breakdown or Failure Due to Wear and Tear of any covered Part, we will in our discretion, decide whether to pay the appropriate Repair Cost"
"Failure due to wear and tear will begin after 30 days and 1,000 miles"
If you bought a policy believing you were covered, this small print could leave you seriously out of pocket!
Every Click4Warranty includes protection against both "mechanical breakdown" and "wear and tear", so your Click4Warranty policy WILL pay toward the cost of repairs if an insured part fails as a result of "wear and tear".
Betterment for 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. READ MORE
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!