Car Warranty Cover

Straightforward guides to what's covered, benefits & limitations of our cover

We guarantee the information is accurate and a factual representation of the information in the policy terms.  Of course it's not a complete list, the policy terms provide full details, and we always recommend you take a moment to read through them.

What is this type of insurance?

All Click4Warranty policies provide protection, from day one, toward the cost of parts, labour and vat for the repair or replacement of the insured parts listed under the policy type selected by you; due to wear and tear, sudden mechanical failure or identified as likely to suffer imminent breakdown by a suitably qualified engineer during routine service or MOT. 

All policies offer a “per claim” limit of up to £7000 and up to 3 years cover.

Select any level of cover

Click4Warranty are the only online Warranty Company where policy holders can select any level of cover if the car is under 12 years old/150,000 miles at the start of the policy no limit once cover starts.


Our most affordable warranty protects the same parts and enjoys all the benefits of 4- & 5-STAR cover for engine, manual and automatic gearbox, differential, continuously variable transmission ctx, propshaft, torque converter and casings.  Covers up to £7000 per claim towards the cost of parts labour and vat related to mechanical failure of insured parts.
  


Up to £7000 per claim towards the cost of parts labour and vat for mechanical failure of 3 STAR parts + more.  For just a small increase in premium upgrade to 4-STAR to add to the protection and benefits of our 3 STAR Warranty to include cover for parts under clutch, brakes, steering, coil springs, working materials and limited electrical components. 
  


Looking for comprehensive protection?  5-STAR adds cover for front & rear wheel drive and suspension, engine management (ECU), fuel injection system plus extensive electrical system including electric window motors, central locking and distributor.  Covers up to £7000 per claim towards costs related to mechanical failure of our most extensive list of insured parts.
  

The ONLY Insured Warranty to include ALL THIS as standard !

Our Warranty policies have been written, together with our Underwriters, exclusively for Click4Warranty, to meet the Insurance Industries highest standards and provide affordable cover toward the cost of parts, labour and vat for repair or replacement of insured parts up to your chosen claim limit.

We are proud to remain THE ONLY fully Insured, FSCS Protected Warranty where EVERY POLICY provides  ALL THIS as standard for cars up to 12 years/150,000 miles at the policy start
no age or mileage limit after start date
Click on heading for more information....
  • Fully Insured & FCA Regulated

    Every warranty sold by Click4Warranty is a contract of Insurance.

    In order to be permitted to sell, or advise on, general insurance products a firm is required to be Authorised and Regulated by the Financial Conduct Authority (FCA); show they meet the FCA standards – known as threshold conditions and comply with FCA principles and rules about systems and controls.

    Once regulated, the firm must ensure it remains fully compliant with FCA regulations and meet many complex requirements including reporting and the capitalisation requirement (the reserve of money that a company holds).

    Many online companies are only able to sell descretionary "plans" that are not insured and not regulated by the FCA.  For peace of mind, always check the warranty you purchased is fully insured.

    Click4Warranty is directly authorised and regulated by the Financial Conduct Authority and you can check this on the FCA’s Register by visiting the Financial Conduct Authority website, which contains a link to a register of all regulated firms, can be visited at www.fca.org.uk.

    Click4Warranty is a trading style of Future 45 Limited
    Company registration number 5407413
    Data Protection register number. Z933878X
    Financial Conduct Authority (FCA) No. 461102
    Member of the Financial Services Compensation Scheme (FSCS)
    For additional Regulatory information - CLICK HERE

  • Day one cover.. Even for Wear & Tear!

    Every Click4Warranty policies provides cover from DAY ONE toward the cost of repair or replacement of insured parts due to sudden mechanical failure.  PLUS, failure due to wear and tear is also covered from DAY ONE, no 90-day exclusion clause in any of our warranties.

    Our policy holders do not have to select this, or pay anything extra, this is included AS STANDARD.

    Wear and tear is the expected gradual reduction or deterioration in operating performance due to the mileage of a car.For more information see our guide to Wear & Tear - CLICK HERE

  • No service history? No problem!

    Whether your car has a partial service history, no proof of service or has not been serviced by a VAT registered garage in the last 12 months you can still benefit from all the protection of our warranties.

    Simply purchase your Click4Warranty policy and ensure you have a service done by a VAT registered garage within 21 days or 500 miles. Your car will be on risk the moment the service is completed, and we'll only require proof if you have a claim.

    Once on cover, simply follow the manufacturers service schedule at the intervals set by them.For more detailed information see our guide to service requirements - CLICK HERE

  • No maximum age/mileage limit once cover starts

    Every Click4Warranty policy is available to qualifying vehicles that are under 12 years / 150,000 miles at policy start.

    Once cover starts there is absolutely no maximum age or mileage limit, your vehicle will be covered for your chosen policy duration of one, two or three years.

    EXCESS: The contribution you pay towards each claim.

    All claims are subject to the standard excess, which at just the first £10 of each claim, is one of the lowest you'll find.

    The age of your car does not affect the excess you pay.Please refer to the "Excess Guide" for detailed information about the mileage excess for cars over 60,000 miles - CLICK HERE

  • No annual mileage limit

    Most warranties have an “annual mileage” exclusion in the small print, restricting cover to as little as 15,000 miles annually.  After which, there is no cover leaving drivers exposed to the full cost of all repairs.

    Click4Warranty do not have an annual mileage clause.

  • No pre-inspection required

    Many warranty companies exclude wear and tear cover for 90 days unless a “health check” or “pre-inspection” is carried out.

    Click4Warranty carry no such exclusion!

    Every Click4Warranty policies provides cover from DAY ONE toward the cost of repair or replacement of insured parts due to sudden mechanical failure.  PLUS, failure due to Wear & Tear is also covered from DAY ONE.

    Wear and tear is the expected gradual reduction or deterioration in operating performance due to the mileage of a car.For more information see our guide to Wear & Tear - CLICK HERE

  • Covers failure of insured parts identified at MOT

    Safety of our policy holders is paramount, so we don't expect you to continue driving with a faulty or failing part.

    Therefore, if an insured part is identified as likely to suffer imminent breakdown by a suitably qualified engineer during MOT, claims are considered in the normal way.

  • Covers failure of insured parts identified at service

    Safety of our policy holders is paramount, so we don't expect you to continue driving with a faulty or failing part.

    Therefore, if an insured part is identified as likely to suffer immenent breakdown by a suitably qualified engineer during routine servicing or maintenance, claims are considered in the normal way.

  • Choose any level of cover

    Click4Warranty are the only online Warranty Company where policy holders can select any level of cover if the car is under 12 years old and/or 150,000 miles at the start of the policy (no limit once cover starts).

    THREE STAR:  Our most affordable warranty protects the same parts and enjoys all the benefits of 4- & 5-STAR cover for engine, manual and automatic gearbox, differential, continuously variable transmission ctx, propshaft, torque converter and casings.  Covers up to £7000 per claim towards the cost of parts labour and vat related to mechanical failure of insured parts.

    FOUR STAR:  Up to £7000 per claim towards the cost of parts labour and vat for mechanical failure of 3 STAR parts + more.  For just a small increase in premium upgrade to 4-STAR to add to the protection and benefits of our 3 STAR Warranty to include cover for parts under clutch, brakes, steering, coil springs, working materials and limited electrical components. 

    FIVE STAR:  Looking for comprehensive protection? 5-STAR adds cover for front & rear wheel drive and suspension, engine management (ECU), fuel injection system plus extensive electrical system including electric window motors, central locking and distributor.  Covers up to £7000 per claim towards costs related to mechanical failure of our most extensive list of insured parts.For a complete list of insured parts - CLICK HERE

  • Choose any claim limit

    All Click4Warranty policies, provide a choice of three substantial claim limits, £3,000, £5,000 and £7,000. This is the maximum amount that can be claimed for each breakdown.

    There is no limit to the number of claims that can be made.

    Like all warranty companies, the aggregate (combined) amount that can be claimed on the policy is the retail value of the car.

  • 21 days to change your mind with full refund

    If you decide you don’t want the warranty insurance you have bought, for whatever reason, UK insurance rules give you a 14-day “cooling-off” period. Click4Warranty go further and provide 21 days!

    Simply let us know you have decided to cancel your policy within three weeks of purchase, and your policy terms provide for a full refund of all premium paid.

    Click4Warranty policies are enforceable “contracts of insurance”, the Insurer is legally bound by the policy terms.  This means you can be assured refunds are not decided at our discretion.

    A full refund within the cooling-off period is your right unless we have paid, authorised or incurred costs in relation to a claim.

    If you have only discussed a claim or possible failure, and no costs incurred, you will still receive a full refund of premium paid after deducting the admin fee.If you would like more information on refunds and cancellations - CLICK HERE

  • Daily rate refund after cooling off period

    While we hope you choose to continue with your warranty insurance for the full term, unlike typical online warranties and discretionary plans, we don’t expect you to pay for the full term if you decide to cancel after the cooling-off period or unfairly calculate a low “partial” refund.

    If you decide to cancel after 21 days, as long as claims haven't been paid, authorised or costs incurred, you will only need to pay premium calculated on a pro-rata daily rate basis for the time your policy has been in force plus an admin fee.

    If you are paying by monthly instalments, and the premium paid at time of cancellation is lower than the total due, plus the admin fee, you will only need to pay the additional amount and all future monthly payments would be cancelled.

    Again, the terms provide our policy holders the guarantee of this reduced pro-rata daily rate.If you would like more information on refunds and cancellations - CLICK HERE

  • Claims settled directly with repairer wherever possible

    To save you being out of pocket, whenever possible, we will settle the bill with the repairing garage.

    This is largely achievable when repairs are carried out by our approved repairer, Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 60,000 reviews.

    Our policy holders do have the option of using their own repairer, if they are vat registered, and ensure the claims procedures are followed.

    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.For more information on how to claim - CLICK HERE

  • Recovery included as standard

    Whatever level of cover, or claim limit, you choose, every policy provides up to £100 toward the cost of recovering your car to a repairing garage as result of failure of an insured part if you do not have cover elsewhere.

  • Car hire included as standard

    We will pay toward the cost of hiring a car, up to the daily limit of your policy, for up to 7 days and a maximum of £210.

    This benefit starts after the first 24 hours your vehicle is out of use as long as it is not due to a lack of availability of parts or a delay in starting the repair.

  • Emergency accommodation and travel included as standard

    All policies include up to £60 towards hotel expenses or a return rail ticket if your car cannot be fixed in first 24 hours, breakdown is a result of failure of an insured part and if you do not have cover elsewhere.

  • Cover when driving abroad included as standard

    All Click4Warranty policies include up to 60 days per annum [pro rata] for driving in the Republic of Ireland and mainland Europe for repair or replacement following breakdown of insured parts up to your chosen claim limit.

  • Repairs guaranteed for up to 12 months

    Repairs carried out at the approved repairer are guaranteed for 12 months or 12,000 miles and, whenever possible, we settle the bill with them directly, so you aren't out of pocket.
    To find your nearest approved repairer - CLICK HERE

  • Financial Services Compensation Scheme (FSCS) protected

    As all Click4Warranty policies are insured and we are FCA Authorised and Regulated, our policy holders are automatically protected by the Financial Services Compensation Scheme (FSCS) - the UK’s statutory compensation scheme for customers of authorised financial services firms.

    The FSCS can pay compensation if a firm is unable, or likely to be unable, to pay claims against it. It is an independent body, set up under the Financial Services and Markets Act 2000 (FSMA), and is funded by a levy on "authorised financial services firms". FSCS is free to consumers and, since 2001, has helped more than 4.5 million people and paid out more than £26 billion!

    EXAMPLE: On the 28th July 2016, the FSCS declared Enterprise Insurance Company PLC in default, and worked closely with the liquidator to establish the best way to help its policyholders. UK policyholders were protected by the FSCS where Enterprise could not meet the cost of claims made against it.
    For additional Regulatory information - CLICK HERE



  • Limitations

  • Diagnostics

    Typically, a repairer can identify the cause of a fault, and replace or repair the part, without any need to dismantle the car or spend time fault finding.  When this happens, and the warranty provides cover for the failure, the warranty pays toward the labour cost of repairs in the normal way.

    On occasion though, the fault needs investigating to identify what is causing the part to fail.

    Like all good warranties, Click4Warranty include cover toward diagnostic, or dismantling costs, if they are part of a valid claim and included in the workshop labour time for the repair.

    Where the labour time charged by a garage is to identify the fault, rather than it being part of the repair itself, the cost of labour time isn’t included in the repair and therefore won’t be included in the amount paid by a warranty.

    We don't believe it ethical to imply warranties cover “all” diagnostic costs, but unfortunately not all online companies share our ethical approach.

    If you’ve been led to believe all diagnostic costs are covered, simply check the small print.  You’ll find phrases like: -
    "Your Plan will pay for diagnostic or dismantling work only if assessed by us as being reasonable within the repair Cost of a valid repair. It is your responsibility to authorise (at your own expense) any diagnostic or dismantling of any part of your Vehicle."

    Or even worse, one website advertises “Forget unexpected repair bills Covers parts, labour and diagnostics”, but in their small print is says...
    "we will pay, at our absolute discretion, towards the cost of diagnosing the fault and repairing the vehicle up to the plan limit….” Needless to say, the website sells unregulated, uninsured, plans.

    Always ensure the warranty you buy is fully insured and regulated by the FCA.

  • Overheating

    Click4Warranty offer cover for the parts that commonly cause overheating, these include...
     - Engine cooling system
     - Thermostat Water pump
     - Thermostatically controlled radiator fan motor
     - Radiator
     - Cylinder head gasket

    Warranty terms require policy holders to undertake a duty of care. This will always include your not continuing to drive the car if the vehicle is faulty.

    That being the case, as to the best of our knowledge it's not possible for your car to overheat with the engine switched off, is it correct to advertise specifically that overheating is covered?

    For this reason, although we cover the parts listed above, we don't advertise overheating is covered.

  • General Exclusions

    This list is for general guidance only, always refer to policy terms for full details of all policy beneifts and limitations.

     - Items replaced during routine service e.g. tyres, brake pads, oil filters/fluid changes, bulbs, etc.
     - Pre-existing faults
     - Consequential Damage
          damage to an insured part caused by another insured part is covered
          damage to an insured part caused by an uninsured part is not covered
     - Electric hoods
     - Timing belts if not changed in line with the manufacturers schedule
     - Batteries, but we do cover the distributor
     - Clutch parts are covered, but not if they're burnt or worn out
     - Diesel particulate filter (DPF), as damage is generally due to how car is driven
     - Modifications
     - Bodywork, paintwork and glass
     - Grey imports, taxi, courier, driving school etc.
     - Vehicles over 12 years at start of policy (no age limit once cover starts)
     - Vehicles over 150,000 miles at start of policy (no mileage limit once cover starts)
     - Vehicles with less than 28 days valid MOT at time of policy purchase

    See heading under limitations for detailed information on
     - Overheating
     -     Diagnostics

    The following have their own guides
     - Excess Guide
     -     Servicing Guide
    This list is for general guidance only, always refer to policy terms for full details - CLICK HERE

  • Excluded Vehicles

    All American, Australian and Canadian vehicles (unless built for the UK market)
    stretched limousines
    Aston Martin
    Abarth
    Bentley
    Bristol
    Bugatti
    Caterham
    Daimler 12 cylinder models
    De Tomaso
    electric or hybrid powered vehicles
    any vehicle not taxed and legal for use on a public highway with a minimum of 28 days remaining on a valid MOT certificate at time of cover
    Ferrari
    Ford
    Cosworth
    Honda NSX
    Hummer
    Jaguar vehicles over 4000cc
    Kit Cars
    Lamborghini
    Lancia Delta Integrale/8.32
    LCC Rocket
    Mercedes AMG
    Lotus
    LPG powered vehicles
    Marcos
    Maserati
    McLaren F1
    Mitsubishi 3000 GT
    Morgan
    Nissan 300ZX/Skyline
    Noble
    Panther
    Porsche
    Rolls Royce
    Mazda RX7 and RX8
    Subaru WRX
    TVR
    Venturi
    Westfield
    any VEHICLE 5000cc or over.

    Vehicles which are owned temporarily, permanently or in the custody or control of a business set up to sell or service motor vehicles.

    Vehicles that are or have been used for hire or reward, as a taxi, self drive hire, by a driving school, commercial delivery purposes such as despatch or delivery courier; with a carrying capacity exceeding 35cwt, service vehicles (police, ambulance etc), used for any kind of competitive purposes, off road use, customised or fitted with equipment not approved by the manufacturer.

    This list is for general guidance only, always refer to policy terms for full details of all policy beneifts and limitations.



  • Frequently Asked Questions

    Do I pay more for an Insured Warranty

    Not with Click4Warranty.

    Click4Warranty provide Insured Warranties, this is a Regulated Financial Service and we are a motor related Insurance Company authorised and regulated by the Financial Conduct Authority.

    All our policies are a contract of Insurance, case law explicitly establishes the obligation is enforceable and the provider DOES NOT have freedom to decline valid claims.

    Regrettably consumers are starting to fall foul of web-sites advertising "uninsured plans". The legal doctrine of an uninsured plan is "caveat emptor" (let the buyer beware).
    See Policy Terms - CLICK HERE

  • Do Insured Warranties Take Longer To Settle Claims?

    No, absolutely not.

    We have appointed a policy administrator (claims department),  rated “excellent” on Trustpilot with over 5,000 reviews, and provided them with the Insurers authority to act on their behalf.

    Claims are handled over the phone and our claim managers are qualified vehicle engineers, or have worked within the parts and servicing departments of dealerships. 

    They will guide you through the process, help locate the nearest approved repairer and work with you to get you safely back on the road as quickly as possible.
    Please refer to the guide on how to claim for detailed information - CLICK HERE

  • Why are your policies so affordable?

    Firstly, Click4Group is not a broker, we are a motor related Insurance Company authorised and regulated by the Financial Conduct Authority, you are buying direct.

    Thanks to the volume of new sales and our direct and returning customers, we avoid cost of advertising with "partners", newspapers, motoring sites... a cost that increases premium with no benefit to you!

    We don't endorse garages charging outlandishly high labour rates and pushing up the premium to every policy holder and, as a motor related insurer, we are able to monitor the insured claim fund directly, allowing us to ensure premiums are set correctly in real time.

  • Where can I take my car for repairs?

    Our policy holders have the option of using either the approved repairer or, if they are vat registered and ensure the claims procedures are followed, their own preferred repairer.

    Approved repairer
    We have appointed Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 60,000 reviews.  With hundreds of repair centres nationwide, Halfords Autocentres can ensure our policy holders receive the same high standard of service throughout the UK.

    Your own repairer
    We appreciate you may have built up a trust with your tried and tested local garage and, as long as they are vat registered, we do indeed provide the option for you to use your own repairer.  If you do prefer to nominate your own repairer, you will need to settle the bill with the garage directly and the labour content of any claim will be commensurate with the discounted labour rate 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.  Always ensure you contact the claims department before any work is carried out.

    To save you being out of pocket, whenever possible, we will settle the bill with the repairing garage.  This is largely achievable when repairs are carried out by our approved repairer.

    As repairs completed by an independent garage do not affect a vehicles service history, when faced with unexpected breakdown, policy holders usually opt to use the approved repairer for fast, convenient, and reliable repair.
    For more information about how to claim - CLICK HEREFor more information about labour and claim limits - CLICK HERE

  • How can I find my nearest approved repair garage?

    We have appointed Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 60,000 reviews.  With hundreds of repair centres nationwide, Halfords Autocentres can ensure our policy holders receive the same high standard of service throughout the UK.
    To find your nearest approved repairer - CLICK HERE

  • What parts are insured?

    Rather than making ambiguous statements like "all mechanical and electrical components" we provide a clear, comprehensive list of all the insured parts so you don't need to study an exclusions list to work out what the warranty won't pay for!

    The link below provides a simple chart that clearly lists the parts insured under our 3, 4 and 5 star policies.

    If you have a specific question, call our Surrey based consultants on 0208 819 3424 or email@click4group.co.uk.
    To view a list of the parts covered - CLICK HERE

  • What is the policy excess?

    Excess is the contribution you pay towards each claim.

    All claims are subject to the standard excess, which at just the first £10 of each claim, is one of the lowest you'll find.

    The age of your car does not affect the excess you pay.
    Please refer to the "Excess Guide" for detailed information about the mileage excess for cars over 60,000 miles - - CLICK HERE

  • Must I wait for my car to break down?

    No, safety of our policy holders is paramount.

    There is no small print in our policies insisting you can only claim if your car breaks down and we certainly don't require you to continue driving with a faulty or failing part.

    If you are concerned your car has developed a fault, call the claims line as soon as possible.

    Also, an insured part doesn't have to break before you can claim.  If an insured part is identified as likely to suffer immenent breakdown by a suitably qualified engineer during routine service or MOT, claims are considered in the normal wayRefer to our guide on how to claim for detailed information - CLICK HERE

  • Why should I choose Click4Warranty?

    Since 2004, together with our specialist UK motor related insurance partner, Red Sands Insurance Company (Europe) Ltd, we have designed bespoke policies for the discriminating online buyer looking for quality, value, protection and service.

    At Click4Warranty you will achieve an accurate quote in seconds with a clear list of parts covered.

    We believe we are the first and only online warranty provider to share clear, accurate, balanced facts within one page "AT A GLANCE" to simplify your choice of warranty.

    Clarity and simplicity of choice is acheived by one clear set of terms, with three levels of cover to choose from, the star rating indicates the extent of parts that are covered.  This unique "one policy approach" ensures you need only refer to one document when selecting the best cover for you.  

    All part of our commitment to providing you with a simple solution to your warranty requirements.

    The Underwriter, Red Sands Insurance Company (Europe) Ltd
     - A specialist in UK motor related insurance products
     - Member of The Association of British Insurers (A.B.I.)
     - A voluntary member of the Financial Ombudsman Scheme
     - European Regulated
     - Underwrite one of the UK's largest Mechanical Breakdown Insurance books
     - Your policy is protected by the Financial Services Compensation Scheme*
    For further information about Red Sands please visit www.redsands.gi

    *Financial Services Compensation Scheme (FSCS). If we are unable, or likely to be unable to pay a claim, the FSCS can pay you compensation. It is worth noting that this facility is available only when a firm is regulated by the UK’s financial watchdog, the Financial Conduct Authority (FCA). We are FCA registered and regulated, our FCA Registered number is 461102.

  • How do I make a claim?

    To get you back on the road as quickly and simply as possible, everything is processed over the phone.For detailed information on how to claim - CLICK HERE

  • Do all your warranties cover Wear & Tear?

    Yes!

    Apart from burnt or worn-out clutch parts, all Click4Warranty policies provide cover, from day one, if an insured part fails due to Wear & Tear or sudden mechanical failure.Please refer to the guide on Wear & Tear for detailed information - CLICK HERE

  • Will I get a refund if I cancel?

    If you decide you simply don’t want the warranty insurance you have bought, for whatever reason, UK insurance rules give you a 14-day “cooling-off” period. Click4Warranty go further and provide 21 days!

    While we hope you choose to continue with your warranty insurance for the full term, if you decide to cancel after the cooling-off period, unlike typical online warranties and discretionary plans, we don’t expect you to pay for the full term or unfairly calculate a low “partial” refund.

    As long as claims haven't been paid, authorised or costs incurred, you will only need to pay premium calculated on a pro-rata daily rate basis for the time your policy has been in force plus an admin fee.Please refer to the cancellation guide for detailed information - CLICK HERE

  • Do I pay the garage and claim it back?

    Our policy holders have the option of using either the approved repairer or, if they are vat registered and ensure the claims procedures are followed, their own preferred repairer.

    To save you being out of pocket, whenever possible, we settle the bill with the repairing garage.  This is largely achievable when repairs are carried out by our approved repairer.For detailed information - CLICK HERE

  • Can I buy your warranty now and start it when my current one ends?

    Absolutely yes, now is the perfect time to put your cover in place.

    By acting now, you’ll be able to buy tomorrows warranty at todays price.

    Your Click4Warranty policy will start from the date commencing immediately after expiry of the manufacturers' guarantee or existing warranty period.

  • Must a Click4Warranty policy be purchased by the car owner?

    A Click4Warranty policy can be purchased and paid for by a third party, just enter the name and address of the person you would like to be the policy holder.

    This should be one of the person named on the V5 registration document or the owner of the car.

  • Can I transfer my warranty policy?

    Click4Group have two options available if you sell your car.

    If you have sold your car to a private buyer a warranty is a valuable tool and can be transferred to the new owner.  Simply contact our Surrey based consultants on 0208 819 3424 or email@click4group.co.uk with your policy details and the new owners name and address.  A £25 contribution from you toward the administration costs will be required, which can be paid by debit or credit card.  Conditions do apply, for example we cannot transfer the policy if you sell your car to a motor dealer.

    Alternatively, if you have purchased a replacement car, whilst the policy terms do not allow us to transfer the existing policy, we value customer loyalty.  Therefore, where possible, the premium for the unused term will be transferred in full, and our highest discount will be applied, to a replacement policy.  In addition, all transfer/cancellation fees are waived.  This can be done over the ‘phone or email.

  • Can I pay monthly?

    If you prefer not to pay for your warranty in full, we offer a unique monthly payment facility which provides a massive saving on the typical offering where you have to pay a premium every month the policy is running.

    With Click4Warranty you spread the cost of any one, two or three year policy by paying a 20% deposit followed by just 9 monthly payments.
    - No credit check
    - No direct debit requirement
    - No credit agreement
    - No change in premium if interest rates increase

    Your monthly payment is collected on the first working day of each month from your original payment card.

    One more reason Click4Warranty premiums are so affordable!

  • Is consequential loss or damage covered?

    Firstly lets explain what consequential loss or damage means.

    It’s a term used to mean damage to a previously fully functioning part caused by another part, object or debris.

    All Click4Warranty policies DO provide cover if a LISTED PART (insured component) breaks and causes a previously fully functioning LISTED PART (insured component) to fail.

    Listed parts (insured components) are not covered if they are damaged by an uninsured part and, as with all warranty insurance, uninsured parts are never covered.

  • How soon can I make a claim?

    Click4Warranty have no hidden clauses imposing waiting periods.

    Every Click4Warranty policies provides cover from DAY ONE toward the cost of repair or replacement of insured parts due to sudden mechanical failure or wear and tear.

    Some other companies don't pay for a breakdown that occurs in the first 30, 60 or even 90 days of cover! This means a 12 month policy would only provide cover for as little as 9 months! Worth checking the small print.

    Please note that in the unlikely event your claim is within the first 30 days in relation to the ecu, air-conditioning and electrical system, an additional excess will apply. This applies only to these parts and for the first 30 days only.

  • What if I'm unhappy with your service?

    As a motor related Insurance Company, we are authorised and regulated by the Financial Conduct Authority. 

    As such, we have a duty of care to our policy holders to ensure we are transparent at all times delivering clear information and exceptional customer service online and offline.

    When we learn of any concerns, they are addressed immediately at the highest level, if we fnd we got it wrong, it will be put right.

    Unlike customers of unregulated online sellers, there is further recourse for our policy holders as any final decision doesn't rest with us.  Our policy holders benefit from the right to take their concerns to the Financial Ombudsman Service (FOS).

    The Financial Ombudsman Service is a government department that settles disputes between consumers and UK-based businesses providing financial services. They make decisions based on what they believe to be fair and reasonable, and it is they that have the final decision, not us or a representative of our company. The decision is legally bindings and free to our policy holders.For details of our complaints policy - CLICK HERE

  • What is IPT?

    Insurance premium tax (IPT) is a tax introduced by the government in 1993 that is applied to all general insurance policies including motor insurance, GAP insurance, warranty, and home insurance.

    Once collected by us, it is paid to the government in much the same way as is done with VAT.

    As an online provider of insured warranties, all Click4Group policies are subject to standard rate IPT and all our advertised and quoted premiums include this amount.

    Of note, is uninsured “plans” (being sold online as a warranty) are subject to 20% VAT, not IPT, as they are not an insurance.  An easy way to spot if you are in danger of being sold an unregulated product.
    For further regulatory information - CLICK HERE

  • What are the geographical limits?

    The area in which our policies are available and valid are
     - Great Britain
     - Northern Ireland
     - Isle of Man
     - Channel Islands

    Click4Warranty policies also include cover when using your vehicle abroad and are valid for up to 60 days each year for driving in the Republic of Ireland and mainland Europe.  Payments will be limited to those levels outlined in your policy and of course are not provided if the failure is not covered by your policy.
    for detailed information please refer to the policy terms - CLICK HERE

  • What happens if I break-down and need a hire car?

    Being stranded without the use of a car is a major inconvenience. So our Warranty includes free car hire in the event of a breakdown.

    We will pay toward the cost of hiring a car, up to the daily limit of your policy, for up to 7 days and a maximum of £210.

    This benefit starts after the first 24 hours your vehicle is out of use as long as it is not due to a lack of availability of parts or a delay in starting the repair.

    PLUS - every policy provides up to £100 toward the cost of recovering your car to a repairing garage as result of failure of an insured part if you do not have cover elsewhere.

    PLUS - All policies include up to £60 towards hotel expenses or a return rail ticket if your car cannot be fixed in first 24 hours, breakdown is a result of failure of an insured part and if you do not have cover elsewhere.
    for detailed information please refer to the policy terms - CLICK HERE

  • Do you cover imported cars?

    Parallel Import cars that have been produced for a European Member State and conform to European Wide Type Approval, qualify for cover.

    Grey Imports, cars that don't comply with European Union vehicle type specification and are imported from outside the UK, such as Japan, do not qualify for cover.

  • Does the cost of 4x4 cover differ on 3, 4 and 5 Star Warranties?

    Clarity and simplicity of choice is acheived by one clear set of terms, with three levels of cover to choose from, the star rating indicates the extent of parts that are covered.  This unique "one policy approach" ensures you need only refer to one document when selecting the best cover for you.  

    As the name would suggest, the 5 star policy offers the most comprehensive cover with the highest number of insured components.

    Some of these additional parts are four wheel drive components, therefore the 4x4 cover on the Four and Five Star policies respectively offer superior cover and therefore carry a modest increase in premium.To view a list of the parts covered - CLICK HERE

  • Do you cover electric, hybrid and LPG vehicles?

    Sorry, Click4Warranty policies exclude electric, hybrid or LPG powered vehicles so we are not able to provide cover for these vehicles.

  • Are Subaru Impreza P1 covered by your warranties?

    The Subaru Impreza P1/WRX models are excluded from cover under the Click4Warranty policy terms.

  • Does a warranty cover routine maintenance and consumable items?

    Car Warranties don't cover the cost of routine maintenance or replacement of consumable items such as tyres, batteries, windscreen wipers, brake pads; or vehicle structure such as bodywork, paintwork, glass, wheels etc.

    Your Click4Warranty policies provide protection, from day one, toward the cost of parts, labour and vat for the repair or replacement of insured parts due to wear and tear, sudden mechanical failure or identified as likely to suffer imminent breakdown by a suitably qualified engineer during routine service or MOT.

    For the avoidance of doubt, we provide a clear, comprehensive list of all the insured parts so you don't have to study an exclusions list to work out what the warranty won't pay for.This simple chart clearly lists the parts insured under our 3, 4 and 5 star policies. - CLICK HERE

  • Do your warranties cover DSG Gearbox?

    A direct-shift gearbox, commonly abbreviated to DSG, is an electronically controlled dual-clutch multiple-shaft manual gearbox, in a transaxle design without a conventional clutch pedal.

    In simple terms, a DSG is two separate manual gearboxes (and clutches), contained within one housing, and working as one unit.

    Subject to your chosen policy limits, your Click4Warranty policy will pay toward the costs of parts and labour for repair or replacement of listed components of the gearbox cover, however your policy excludes DSG specific components.To view a list of the parts covered - CLICK HERE

  • Do your warranties cover SMG Gearbox?

    The BMW SMG transmission has both automatic and manual shift modes.

    SMG stands for Sequential Manual Gearbox. It's essentially a transmission capable of functioning as an automatic, or functioning as a manual transmission. The innovation is that, when functioning as an automatic, the driver does not need to operate a clutch pedal, simply designate desired gear. This is done by a traditional stick, or a set of paddle shifters attached to the steering column or steering wheel, depending on the model BMW.

    As an SMG gearbox is not a standard automatic or manual gearbox, whilst the car is not excluded, the gearbox itself is not covered.To view a list of the parts covered - CLICK HERE

  • Is the dual-mass flywheel covered?

    We are delighted to confirm that the dual mass flywheel is an insured part, listed as covered on all Click4Warranty 3, 4 and 5 Star policies.

    A dual-mass flywheel (DMF or DMFW) is a rotating mechanical device that is used to provide continuous energy (rotational energy) in systems where the energy source is not continuous, the same way as a conventional flywheel acts, but damping any violent variation of torque or revolutions that could cause an unwanted vibration.

    Unlike many warranty providers, we steer away from broad statements about the parts covered by our policies. To describe cover as ‘all mechanical and electrical components’ really means that, if you want to be sure a part is covered, you need to laboriously work out what really is excluded.

    Instead, you will see our terms and conditions comprehensively list the insured parts and, quite simply, if a part isn’t listed it isn’t covered... If it is listed, then the part is covered!To view a list of the parts covered - CLICK HERE

  • Do your warranties cover the vanos unit?

    VANOS is a variable valve timing system used by BMW on various automotive petrol engines since 1992.

    Unfortunately the vanos unit is not a listed component under the terms of our warranty cover and therefore, any claim relating to this part will not be authorised.

    Unlike many warranty providers, we steer away from broad statements about the parts covered by our policies. The statement ‘all mechanical and electrical components’ means you need to laboriously work out what really is excluded.

    Instead, you will see our terms and conditions comprehensively list the insured parts and, quite simply, if a part isn’t listed it isn’t covered.

    To view a list of the parts covered - CLICK HERE
  • Is a catalytic converter covered?

    A catalytic converter is an exhaust emission control device that reduces toxic gases and pollutants in exhaust gas from an internal combustion engine.

    Unfortunately the catalytic converter is not a listed component under the terms of our warranty cover and therefore, any claim relating to this part will not be authorised.

    Unlike many warranty providers, we steer away from broad statements about the parts covered by our policies. The statement ‘all mechanical and electrical components’ means you need to laboriously work out what really is excluded.

    Instead, you will see our terms and conditions comprehensively list the insured parts and, quite simply, if a part isn’t listed it isn’t covered.To view a list of the parts covered - CLICK HERE