What is "wear and tear" and do car warranties cover it?
"Wear and tear" is the expected reduction in performance of a part due to the cars age, mileage and/or use".
Many warranty providers exclude this kind of depreciation, even the major ones! This means that even when the part is covered, the provider has the right to refuse the claim as, depending on the mileage, age and.or use, the breakdown can be attributed to wear and tear.
Be aware, failure can often be attributed to "wear and tear" as parts often wear down rather than break. If you really want to protect yourself against rejection of a claim you want a warranty that clearly states in the terms and conditions both "mechanical breakdown" and "wear and tear"
are covered as standard.
CLICK4WARRANTY INCLUDES COVER FOR WEAR AND TEAR AS STANDARD
Click4Warranty includes protection against both "mechanical breakdown" and "wear and tear", so your Click4Warranty policy WILL pay toward the cost of repairs if a part fails as a result of "wear and tear".
Sometimes this means your car is in a better condition than it was before the breakdown. If this is the case we will ask you to pay a contribution toward the cost of repairs.
WITH CLICK4WARRANTY HIGH MILEAGE CAR DRIVERS DON'T PAY A HIGHER PREMIUM
Most warranty providers increase the premium for high mileage cars, exclude wear and tear completely or impose a 90 day exclusion.
does not increase the premium for high mileage cars and we include cover for wear and tear
as standard– from day one!
Why should a high mileage driver be penalised before they make a claim? We are distinctive and fair in the way we treat high mileage cars.
HOW WE HANDLE WEAR AND TEAR CLAIMS
We cover car wear or aging from the first day of cover. If you make a valid claim that is attributable to wear and tear, and your car has covered less than 60,000 miles, we will cover the claim in full (up to your chosen claim limit.)
However, if your vehicle has covered more than 60,000 miles it's not unreasonable to suggest that if, for example, your gearbox was repaired the car is actually in better condition after the repair than it was before. In this instance we would call for a contribution toward the repair costs. For example, if your car has covered 67,000 miles, we would require a 10% contribution i.e. on a £350 claim, you would be required to pay just £35.
As with all aspects of our products and service, we aim to provide clear information. The table below shows the contribution toward the cost of repair you will be required to pay depending on the mileage of your car at point of breakdown.
Up to 60,000 miles no contribution required
Up to 70,000 miles 10%
Up to 80,000 miles 20%
Up to 90,000 miles 30%
Up to 100,000 miles 40%
Over 100,000 miles 50%
Full details can be found in section 6 of the Terms & Conditions