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Car Warranty Cover at a Glance
Get Click4Warranty cover today and take advantage of these comprehensive benefits
Here’s what you can expect from your Click4Warranty used car warranty cover:
- Cover at the maximum claims benefit level you select per claim.
- Cover from day one, even for Wear & Tear.
- Comprehensive cover that includes parts, labour and VAT.
- Cover for failure of insured parts identified at MOT or during a routine service.
- No pre-inspection or service history required to qualify for cover.
- No maximum age or mileage limit once cover starts.
- Cover from 12 to 36 months – to suit your pocket and your needs.
- No limit to the number of claims you can make.
- All this and a 21-day cooling off period with full premium refund.
If you decide to cancel for any reason whatsoever during the first 21 days, you’ll receive a full premium refund, as long as no claims have been authorised or paid.
In addition, you can decide to pay for you cover in full or by convenient monthly instalments… and any claims you make will be settled fast, with payment made directly to the repairer wherever possible, so you won’t be out of pocket.
What will your policy cover?
Take the hassle out of understanding used car warranty cover with this easy-to-follow guide to your warranty benefits, limitations, insured parts and a summary of policy options. This is information that accurately reflects the policy terms.
If you’d like answers to any other questions, please email us at email@click4group.co.uk or call us weekdays on 0208 819 3424, during office hours.
What parts are covered?
The following table provides you with a complete view of the parts covered by our 3-Star, 4-Star and 5-Star car warranty policy options.
Click4Warranty Mechanical Breakdown Insurance
See what component cover you’ll have on each product option, simply click the relevant tab below to see the range of component cover for that option, or click here for full details of cover.
Click4Warranty 3-Star Mechanical Breakdown Insurance
This is comprehensive vehicle cover, with only a few component exclusions
The Click4Warranty 3-Star Mechanical Breakdown Insurance provides cover for a specific list of major components in your vehicle, as well as labour costs and VAT.
Additional benefits include:
- Contribution towards vehicle replacement of up to £30 a day including VAT, for up to 7 days.
- Roadside recovery up to £100 including VAT.
- Contribution towards completing your journey by car or rail of up to £60 including VAT.
- Cover for up to 60 days a year in the Republic of Ireland and mainland Europe.
| 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. |
What are the service requirements?
What proof of service is required?
You will not require proof of service when you take out your Click4Warranty used car warranty policy and your car will be covered from day one on all policy options… even for Wear & Tear.
You may be required to provide proof of service when making a claim.
Accepted proof of services is either:
- Your insured vehicle’s servicing handbook, correctly stamped and completed by a VAT registered garage.
OR
- Fully detailed VAT service invoice(s) indicating the servicing dates and mileage at the time of service.
What if the service history is incomplete or missing?
If you have a partial service history, with a service carried out in the last 12 months by a VAT registered garage and is correctly stamped in your car’s service book, then simply continue to follow the service schedule as set out by the manufacturer. If there has been no service in the last 12 months, then just make sure you have your car serviced within 21 days or 500 miles of taking out your cover (whichever is sooner) so any claim you make will be accepted for review. Then continue to follow the manufacturer’s service schedule.
If you have no service history, you must ensure you have your car serviced within 21 days or 500 miles of taking out your cover (whichever is sooner) so any claim you make will be accepted for review. We don’t insist on an expensive franchise dealer service, so long as the garage is VAT registered and the service is correctly stamped in your car’s service book. Then simply continue to follow the service schedule as set out by the manufacturer.
If you have a complete service history, just make sure it’s been carried out by a VAT registered garage and is correctly stamped in your car’s service book. Then simply continue to follow the service schedule as set out by the manufacturer.
Must cars be serviced by a franchised dealer?
We don’t insist you use an expensive franchise dealer service, so long as the garage is VAT registered and the service is correctly stamped in your car’s service book.
What are the service requirements during cover?
All used car warranty providers require vehicles under cover to be serviced by a VAT registered garage and for the service to be correctly recorded in the vehicle’s service book for cover to continue. But, we don’t insist on servicing at an expensive franchised dealer.
If you follow the manufacturer’s service schedule, as a general rule of thumb, you’ll need a service every 12,000 miles, or 12 months, whichever is sooner. But check the actual requirements as specified in your service book, or call your local dealer to confirm.
What is an excess?
An excess is the contribution you pay towards each claim. Click4Warranty policy holders benefit from an extremely low excess of just £10 per claim. All claims are subject to this standard excess and the age of your car does not affect the excess of any claim.
In the unlikely event that a claim arises for any of the parts listed under the ECU, air-conditioning and electrical system within the first 30 days from the start date of your policy, then a claims excess of 50% will apply. However, this only applies in the first 30 days.
Where cars have travelled 60,000 miles or more at the time of the claim, the standard excess applies, plus the following contribution, that depends on the mileage of the vehicle at the time the claim is made:
Mileage at point of claim
Up to 70,000 – 10%
Up to 80,000 – 20%
Up to 90,000 – 30%
Up to 100,000 – 40%
Over 100,000 – 50%
What is Wear & Tear?
In used car warranty terms, if a part breaks or fails as a result of the mileage or running of the car, it’s generally considered to be failure as a result of Wear & Tear. This is the anticipated deterioration in performance of a part due to age or distance travelled.
Is cover for Wear & Tear included?
Wear & Tear is included in all of the Click4Warranty policy options and provides cover from day one for failure due to Wear & Tear on covered items, excluding service items like brakes and clutch. But check your policy document for full details.
A mechanical part can develop a Wear & Tear fault at any time, so we don’t apply a specific excess or increase the excess due to your car’s age. If your car has travelled less than 60,000 miles, the standard low excess of £10 applies. Where a car has covered more than 60,000 miles at the time of the claim, the standard low excess is applied, plus the following contribution based on mileage:
Mileage at point of claim
Up to 70,000 – 10%
Up to 80,000 – 20%
Up to 90,000 – 30%
Up to 100,000 – 40%
Over 100,000 – 50%
Does Wear & Tear cover consumables?
Generally, car warranties don’t cover consumables like oil, filters, lubricants, bulbs and the like, that are typically checked and replaced during car maintenance or routine servicing. The list of covered parts above will give you complete details of the parts covered by your Click4Warranty policy.
Is there a waiting period for Wear & Tear cover?
All of these Click4Warranty policies cover you from day one, with no waiting period. You will be covered towards the cost of repair of all insured parts due to sudden mechanical breakdown or electrical failure, Wear & Tear or identified as likely to suffer an imminent breakdown by s suitably qualified technician during a routine service or MOT.
Is a vehicle inspection needed for Wear & Tear cover?
At Click4Warranty we never ask you to take your car for a pre-inspection or health check. All that’s required for your car to be covered is that it falls within the age and mileage requirements, and your car has either been serviced by a VAT registered garage in the last 12 months with the details correctly stamped in your car’s service book, or you must make sure you have your car serviced within 21 days or 500 miles of taking out your cover (whichever is sooner) so any claim you make will be accepted for review. Then, continue to follow the manufacturer’s service schedule.
See What are the service requirements? section above for full details.
What should you consider when choosing cover?
Are Click4Warranty policies fully insured contracts?
Your Click4Warranty used car policy means we are legally bound to pay valid claims covered under the terms of your selected cover and are protected by the Financial Ombudsman.
The information provided here, and in your other policy documents, is intended to deliver a clear, fair and accurate account of your cover, so that you can make an informed decision and be confident that the Insured Protection and services we deliver are what you have been led to expect.
This guide is designed to simplify your decision making and make you aware of our ethical approach.
What are the policy options?
Click4Warranty policies give you three options to choose from. The 5-Star extended car warranty option gives you the most cover, as listed above in the section What parts are covered? In addition, all policy options provide you with Wear & Tear cover. See the section What is Wear & Tear? above for full details.
Here are the policy documents for each of the policy options. Please read them carefully to ensure you fully understand your cover:
Click4Warranty Mechanical Breakdown Warranty Policy Wording
Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document
- Cover can be taken out on vehicles under 12 years of age and with less than 150,000 miles travelled. Once your cover is in place, there are no age or mileage restrictions.
- Your cover will start from day one, even for Wear & Tear, and we don’t ask for your service history, a pre-inspection or health check. Simply follow the servicing guidelines above in the section What are the service requirements? and note the cover outlined in Is cover for Wear & Tear included?
How long does cover last?
You can select cover for 12, 24 or 36 months, whichever suits your needs best… but remember, choosing to take out a 2nd or 3rd year of cover now, rather than waiting to renew later, will save you money.
And in addition, there’s no age or mileage limits once cover starts!
How much does the policy cover?
You can select the level of cover that suits your needs… and your pocket… with cover options right up to £7,000, and several cover options in between.
Whichever level of cover you choose to take, there’s no limit to the number of claims you can make!
What are the payment options?
You can choose to pay for your cover in full by debit or credit card, for no additional cost.
Or, select our convenient monthly payment option and, pay a deposit of just 20% at the time of taking out your cover, followed by 9 equal, monthly payments. There’s no credit check, no direct debit requirement, no credit agreement and no change in premium if interest rates change!
What are the labour rates and claims limits?
What is the policy claim limit?
No matter which policy option you select, you can choose the claim benefit level that suits you best, up to £7,000… and is the maximum amount you can claim, including parts, labour and VAT.
How many claims are covered?
There is no limit on the number of claims you can make, no matter which benefit level you select, the term of your cover, or the policy option.
What is the maximum amount the policy will pay?
The maximum amount that can be claimed is the benefit level you select, up to a maximum £7,000 including parts, labour and VAT. Whichever level of cover you choose, there is no limit to the number of claims you can make over the course of your cover.
How much of the hourly labour rate is covered?
The hourly labour rate of £40 per hour, charged by our approved repairers is covered in full, subject of course, to the benefit level you select. These rates are in line with multiple national repairers, which means you could have your vehicle repaired no matter where in the country you are located, without having to pay anything towards it. This is paid directly to the repairer where possible, to make sure you’re not left out of pocket.
This rate has been negotiated due to the high volume of work we send to our approved repairer, and results in lower premiums for you, the policyholder however, if you choose to use your own repairer, our claims administrator, AutoProtect (MBI) Limited, will pay up to the equivalent AutoProtect national labour rate, which is currently £57.60 per hour including VAT if the repairer is inside the M25 and £48.00 per hour including VAT if the repairer is outside the M25.
How big is the approved repairer network?
Breakdowns generally happen at the most inconvenient time and place, miles from home and the garage you generally use. With a network of over 300 Autocentres nationwide, our approved repairers offer fast, convenient and reliable repairs. Click here for full details of how to claim.
Are repairs guaranteed?
All covered repairs carried out by our approved repairer network are guaranteed for 12 months, or 12,000 miles.
What about cancellations and refunds?
What if I change my mind?
If you decide for whatever reason that you simply don’t want the used car warranty cover provided by your Click4Warranty policy, you will receive 100% refund of your premium back within 21 days of your cover start date, as long as no claims have been authorised or paid. Simply call us on 0208 819 3424 during office hours. We’ll send you a confirmation of cancellation and any subsequent breakdowns or claims will not be covered.
What if I want to cancel after the cooling off period?
While we hope you choose to keep your cover running for the full duration of the contract, if you decide to cancel after 21 days, we’ll give you a pro-rata refund of your premium, less an administration fee of £50, as long as no claims have been made. Again, simply call us on 0208 819 3424 during office hours. We’ll send you a confirmation of cancellation and any subsequent breakdowns or claims will not be covered.
Are there any exclusions or limitations from cover?
Please read your policy terms for complete details of your benefits, limitations and exclusions.
What are the limitations?
This will provide general guidance however, for all details of your policy limitations, please read your policy terms.
Generally, a repairer can diagnose the cause of the fault, and repair or replace the part, without need to dismantle the car or spend time fault finding. When this happens, and your used car warranty provides cover for the failure, your policy will pay towards the labour cost of repairs in the usual way.
On occasion, the fault needs to be investigated further to identify the cause of the failure. When this happens, your Click4Warranty policy will provide cover towards the cost of diagnostics or dismantling if it’s part of a valid claim and is included in the workshop labour time for the repair, subject to the claim benefit level you selected. Where this is charged separately, rather than as part of the repair itself, then it isn’t included in the covered repair and therefore won’t be covered by your warranty. This is a standard limitation in any warranty.
Always ensure that any warranty you consider is fully insured and regulated by the FCA.
Your Click4warranty policy will cover the parts that usually cause overheating, including the engine cooling system, the thermostat water pump, the thermostatically controlled radiator fan motor, the radiator and the cylinder head gasket. Your policy will require you, as a policyholder, to undertake a duty of care, which includes not driving the car if it’s faulty.
What are the exclusions?
This will provide general guidance however, for all details of your policy exclusions, please read your policy terms.
- Any items replaced during routine servicing such as tyres, brake pads, oil filters and, fluid changes, bulbs etc.
- Pre-existing faults or conditions
- Consequential damage caused by another insured part that is or is not covered.
- Electric hoods.
- Timing belts, if not changed in line with the manufacturer’s schedule.
- Batteries, but the distributor is covered.
- Clutch parts that are burnt or worn down.
- Diesel particulate filter (DPF)
- Modifications
- Bodywork, paint and glass.
- Grey imports, taxis, courier vehicles, driving school vehicles etc.
- Vehicles over 12 years of age as at the start date of the policy.
- Vehicles that have travelled more than 150,000 miles as at the start date of the policy.
- Vehicles with less than 28 days valid MOT as at the start date of the policy.
- Vehicles that are not taxed and legal for use on a public highway.
- Vehicles that are over 3500kgs.
- Electric or hybrid vehicles.
- Excluded vehicles include, but are not limited to, this list of ineligible vehicles.
Please read your policy document for full details:
