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About Click4Warranty Extended Car Warranty Insurance

Like most of us, your car is very likely your biggest investment next to your house, and critical to the convenience of your day to day living. It’s also expensive to run and maintain these days and even more expensive to repair if it suffers a mechanical breakdown, leaving you without wheels and with the likelihood of a big bill at the end of it all.

That’s why it’s so important to consider used car warranty insurance to protect your investment against the financial risks that come with car ownership… like how you’ll afford to pay for repairs once your car is no longer covered by the manufacturer’s warranty. 

Just think for a moment. Even for those of us that can afford big repair bills, it’s a major chunk out of savings, and means that extras like holidays or other major plans have to take a back seat. And, if it’s a big repair, it can easily leave you with a bill for many hundreds of pounds and left wondering how you’ll manage to replace your savings.

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 ComponentClick4Warranty 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 SystemABS modulator and sensors.
Automatic GearboxInternal shafts, gears, clutches, brake band, valve block, governor, oil pump, bearings and bushes, servo, drive plate and transfer gear.
BrakesFront and rear drive axle wheel bearings.
CasingsShould 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 CTXInternal clutches, planetary gears, reduction gears, shafts, variable pulleys,
thrust link drives, internal seals, bushes and bearings.
DifferentialInternal crown wheel and pinion, planet gears, shaft bearings and bushes, thrust washers and spacer.
EngineRocker 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 SystemViscous fan coupling.
Front and Rear SuspensionCoil springs.
Fuel SystemCarburettors, mechanical or electrical fuel pumps, injection pump. Note: Cover is provided up to a maximum £100 including VAT per claim.
Manual GearboxInternal gears, internal shaft, synchromesh hubs, selectors, bearings and bushes, transfer gears.
PropshaftUniversal joints and couplings.
Torque ConverterFailure of any internal mechanical parts.
Turbo ChargerTurbo charger unit.
Wheel BearingsFront and rear drive axle wheel bearings.
Working MaterialsOils, 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 & TearCovers failure of mechanical and electrical parts due to Wear & Tear.
Parts not coveredThe above list specifies each insured part. If the part is not listed, it is not covered.

What is a used car warranty?

A new car comes with a manufacturer warranty, and once this has come to an end the cost of breakdowns or failures becomes the vehicle owner’s responsibility… and, on occasion, this can have serious financial impact.

A used car warranty provides financial protection against such unforeseen mechanical breakdowns or electrical failures, paying you out to help cover the cost of repair, including parts, labour and VAT. The list of parts covered generally comprises the major mechanical and electrical components.

Used car warranty cost - is extended warranty cover worth it?

Used car warranty costs play an important part in any decision to take out extended warranty cover. Take a look below at some recent claims we’ve paid. Select the one that most closely matches your situation to see what the financial impact of a big repair bill could be.

Recent Claims*

FordInjection Pump£877.43
VolkswagenTiming Chain£641.69
MiniFuel System£482.93

* Taken from claims over the period January to July 2022 

What will my extended car warranty cover?

When you take out Click4Warranty extended warranty cover, you can take comfort in the knowledge that we’ll cover the parts that keep your car moving, so you can sit back and enjoy your driving experience.

Our range of extended warranty options offer solutions for you, depending on how much or how little of the repair bill you want to cover yourself. Whatever you decide suits your needs, or your pocket, you’ll know exactly what the maximum claim limit will be per claim, and taking out the added protection of extended car warranty cover means that you’ll get help with major covered repairs.

You’ll be comfortable knowing your Warranty Insurance will guarantee you:

  • Cover for major breakdown repairs at your selected claim benefit limit per claim
  • Cover from the moment your premium is received
  • Cover with no pre-inspection and no health check
  • Cover for an unlimited number of claim events
  • Cover for failure of insured parts identified in a routine service or MOT
  • Cover for Wear & Tear 
  • Cover for roadside recovery and vehicle hire

The policy documents below will provide you with full details, please ensure you read them carefully:

Click4Warranty Mechanical Breakdown Warranty Policy Wording

Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document

If you’d like a copy of your existing policy wording, please email us at or call us weekdays on 0208 8193424, during office hours.

What if my car is still under manufacturer warranty?

If your car is coming to the end of its manufacturer warranty period and you’ve decided to keep it, you might want to consider taking out an extended warranty to enjoy unbroken cover and the continued comfort of financial protection.

What if I’m buying a used car with no warranty cover in place?

You don’t need to be without financial protection if your used car is no longer under manufacturer warranty. You can take extended warranty cover up to the age of 12 years, or 150,000 miles at the start date of your policy and enjoy the confidence of stress-free driving.

What can I expect from my Click4Warranty cover?

Taking out the added protection of extended warranty cover for your car means that if your vehicle suffers a sudden mechanical breakdown or electrical failure, you’ll be covered up to the maximum claim benefit level you select, per claim… and you can choose a payment method that suits your pocket. Considering these are repair bills you’d usually be expected to cover yourself this is cover well worth having.

Added to this, you can expect your claim to be paid out within a matter of days, subject to the terms of your policy, of course. You’ll be comfortable knowing your extended car warranty insurance will guarantee you:

  • Claim benefit limit of up to £7,000 per claim
  • No limit to the number of claims you can make
  • 21-day cooling off period, with full premium refund
  • Roadside recovery up to £100 as a result of covered breakdowns
  • Up to £210 towards car hire while your vehicle is being repaired
  • Up to £60 for overnight accommodation, or onwards travel

Take a look at the policy wordings below for full cover details:

Click4Warranty Mechanical Breakdown Warranty Policy Wording

Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document

If you’d like a copy of your existing policy wording, please email us at or call us weekdays on 0208 819 3424, during office hours.


When should I consider buying extended warranty cover?

If your current manufacturer warranty cover is going to end soon, or it’s already ended, then now is a good time to consider taking extended warranty cover to make sure you have uninterrupted cover.

If your car is getting older and likely to see more breakdown repairs, then this is the time to consider taking this affordable protection to give you the financial assistance you’ll need and to keep you on the road and mobile.

If you’re about to buy a used car and the manufacturer warranty has already expired, you might want to think about taking out an extended warranty to give you financial protection and stress-free motoring.

How much cover can I get from Click4Warranty?

We try to take all the complexity out of warranty for you, so that you know exactly what you’re paying for. With Click4Warranty, you’ll be covered for your chosen maximum claim benefit amount per claim. This means that every time you submit a valid claim, depending on the component that fails, you’ll get cover for parts, labour and VAT up to this value… and there’s no limit on the number of times you can claim.

This is simple, but flexible cover that’s built to give you maximum used car warranty protection at a price that suits your pocket.

Does Click4Warranty supply extended cover for all makes of vehicle?

We’re able to cover your car as long as it’s not on our list of excluded vehicles. That means if you drive any one of these makes, we’ll cover you.

Will you cover my car for Wear & Tear?

Click4Warranty Extended Warranties cover Wear & Tear from the very first day your cover starts. We don’t impose any waiting period on these claims. Of course, any items that are considered maintenance or service items, like brake pads, wiper blades, bulbs, batteries and the like are not covered. See the policy wordings below for full details of cover.

If your car has covered less than 60,000 miles at the time of the claim, the standard low excess of £10 is applied. Where a vehicle has covered more than 60,000 miles at the time of the claim, the standard low excess of £10 is applied, plus the following contribution, depending on the mileage:

Mileage at the time 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%

For more information on cover, take a look at the policy wordings below:

Click4Warranty Mechanical Breakdown Warranty Policy Wording

Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document

If you’d like a copy of your existing policy wording, please email us at or call us weekdays on 0208 819 3424, during office hours.

Do I need a full service history before you’ll cover me?

You don’t need a full service history before we’ll cover you. Simply make sure it’s rectified within 21 days or 500 miles of your cover start date, whichever comes first. Then keep your services up to date after that, as recommended by the manufacturer.

Is there a limit to the number of claims I can make?

There’s no limit to the number of times you can claim, and your maximum benefit level per claim is the value you select. Remember too, there’s no pre-inspection and no waiting period applied.

Are there any age or mileage limits for my cover?

Once your cover has started, we don’t impose any age or mileage restrictions at all, other than for Wear & Tear claims, which are detailed above. 

How can I pay for my Click4Warranty cover?

To make it simple, quick and convenient, you can choose one of these two options:

  • Make a single payment with your credit or debit card, and you’ll enjoy used car warranty cover that will start the moment your payment is received.
  • Pay with a convenient monthly payment plan, including transaction fee, that consists of a 20% deposit in the first month, followed by just nine monthly payments to settle the balance. This is not a credit agreement, does not require any credit checks, and you’ll be covered the moment your deposit is received.

When should I get my extended warranty cover?

You can take out extended warranty cover from Click4Warranty at any stage, as long as your car is under 12 years old, and under 150,000 miles on the start date of your policy.

How long can I cover my vehicle for?

You can cover your car for 12, 24 or 36 months to give you cover for as long as you need… and you can still renew your cover at the end of this period, as long as your car is still under 12 years and under 150,000 miles on the start date of your new policy.

What if I decide I no longer want my extended warranty cover?

If you decide that you don’t need the protection that your warranty cover offers, you can cancel with a full premium refund during the first 21 days, as long as you haven’t made a claim, or don’t intend making one.

If you decide to cancel after the first 21 days, you’ll be eligible for a pro-rata refund, under the same conditions, less an administration fee of £50.

How do I make a claim on my extended warranty policy?

Our specialist claims managers, AutoProtect (MBI) Ltd. Have been appointed to provide you with an efficient and effective claim experience.

Please follow these simple steps to get your claim paid out quickly and without delay. To register your claim:

If there’s a problem with your car, call us on 01279 456501 (option1) without delay so we can help. Even if it’s during your annual MOT test or a routine service, if there’s a part about to fail, call us.

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 you to locate your closest approved repairer, and work with you to get you back on the road quickly and safely.

For more information, please click here.

Get your no risk, used car warranty quote in just moments

There’s absolutely no cost or obligation when you get a Click4Warranty extended warranty quote, and it’ll take you just moments. Simply click below to get started.

If you’d prefer to talk to us in person, just call us on 0208 819 3424 during office hours. Our friendly Customer Service Team will be happy to help you.