A car warranty is an insurance policy that helps you to cover the cost of repair when your car suffers an unforeseen mechanical breakdown or electrical failure. Offering cover for up to 3 years, this means you won’t be left without help.

And, it won’t just help you with the cost of replacement or repair for parts, you’ll also have cover for labour, towing, and car hire or accommodation. That’s cover that could save you from financial hardship.

When you buy a new car it comes with a manufacturer warranty of around 3 years, and once this has come to an end, or when you purchase an older vehicle, you no longer have this cover. This means that the cost of an unforeseen breakdown is your responsibility alone.

If you have a car warranty however, you’ll have financial protection against covered breakdowns, so you won’t be left footing then repair bill alone. And, it wont just help with the cost of parts, you’ll have cover for labour, VAT, towing and transport or accommodation if you’re travelling far from home.

Besides covering a comprehensive list of major components, you’ll be able to rely on:

• Technical expertise to manage repairers and look after your interests.
• Professional claims management to guide you through the process.
• Cover for claims to a maximum claims benefit level up to £7,000 per claim.
• No limit to the number of claims you can make.
• Cover for imminent failures spotted by qualified technicians during routine serving or MOT.
• Repairers paid directly in most cases, so you’re not left out of pocket.
• A network of approved repairers to make sure you get the help you need.
• Choose from a once off payment or monthly instalments to suit your pocket.

Even though a manufacturer warranty provides cover for failures and defective parts, there are many other parts that it won’t cover, as well as wear and tear.

The Click4Warranty 4-Star Warranty product option covers a comprehensive range of parts, while the 5-Star option offers the most comprehensive cover.

Click here for cover details

These days very few of us can afford a new car, and many of us drive vehicles older than 3 years and keep them for longer than we have in the past. This means that in the vast majority of cases, the manufacturer’s warranty is no longer in place.

Click4Warranty car warranties are design for exactly this situation, giving you vital protection and peace of mind so you don’t have to face big repair bills alone. Just take a look at some recent repair bills we’ve received from policyholders and ask yourself if this cover will give you comfort.

Recent Claims*

* Taken from claims over the period January to July 2022 

If you’re looking for a straightforward warranty that’s clear on what you’re covered for and gives you great value for money, then you need look no further. Here are just some of the reasons that our policyholders trust us to look after their breakdown insurance:

• Our policies are fully insured and regulated by the Financial Conduct Authority
• Your policy is secure and covered by the Financial Services Compensation Scheme
• Our customers rate our claims service as ‘Excellent’
• We don’t charge you extra for roadside recovery, travel costs or accommodation, it’s all included in your premium.
• We don’t ask for a pre-inspection, and you don’t need a full service history to sign up.
• There’s no waiting period for claims.

You can take out cover if your car hasn’t been serviced in the last 12 months, so long as you rectify this 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.

If you have any questions, our UK-based consultants are happy to assist and on hand during office hours.

As soon as you complete your application and make payment, your policy documents will be emailed to you.

You can pay via our secure payment system using any major credit or debit card, with no extra charge. Or, if you prefer, you can spread the cost by paying just 20% deposit when you take the policy out, followed by 9 convenient, monthly payments.

If you choose to pay monthly, there’s no credit check required, no direct debit, no credit agreement and no change in premium if interest rates increase. Click here for more information on monthly payment plans.

You can rest assured that you can easily cancel with a full premium refund within the first 21 days, if you have not made a claim, or do not intend making a claim. In addition, if you decide to cancel after the 21 days, you will receive a full, pro rata premium refund, as long as you’ve not made a claim, or are planning to make a claim.

Your cover will start from day one, with no waiting period required.

There are no age limitations once your covers starts, and no limit on the number of claims you can make.

There are a few exclusions from cover. These include:

• Vehicles used for hire or reward, such as taxis, self-drive hire or driving school cars, or vehicles used for racing or speed testing, electric and hybrid vehicles.

• Vehicles with less than 28 days valid MOT at the policy start date and vehicles that aren’t taxed and legal for use on a public highway during the term of cover.

• Customised or modified vehicles and vehicles with a gross weight in excess of 3,500kg.

Please read the policy documents carefully for full details.

Click4Warranty Mechanical Breakdown Warranty Policy Wording

Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document

There’s no need to worry if your car service history is not up to date, or incomplete or missing. We like to make things easy for our policyholders, so you can go ahead and  purchase your Click4Warranty policy and your cover will be active as long as you service it according to the manufacturer specifications, by a VAT registered garage within 21 days or 500 miles, whichever is sooner.

Once your cover starts, you will need to keep to the manufacturers service schedule for any claims to be accepted.

If you prefer 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. Remember to get your claim authorised before starting repairs, except if it’s an emergency situation.

You can choose to use your preferred repairer, as long as it’s VAT registered.

You should simply follow the manufacturer’s service schedule. As a general rule of thumb that means you will need to ensure your car receives a service every 12,000 miles or every 12 months, whichever comes sooner.  You don’t need to use a franchised dealer, so long as the garage is VAT registered.

We recognise that Wear & Tear naturally occurs over time in the normal use of your car. All of our Click4Warranty car warranty policies provide comprehensive cover for Wear & Tear.

We appreciate the negative impact of your car being off the road and the additional strain this can place on you and your family. So, we do everything in our power to make the claim process is as stress-free as possible.

In addition, we are totally committed to treating our customers fairly, and this means effective claims resolution and fast payment of claims, generally within days of receiving all of your required documents.

Our policies provide for an unlimited number of claims, with claim limits per claim, up to the claim benefit level you selected and as indicated on your Policy Schedule.

AutoProtect (MBI) Limited manage our claims swiftly, using qualified and experienced professionals. You’ll find they combine efficiency and with support when you need it most, and are equipped to settle approved claims directly with the repairer within 24 hours,

You’ll find a comprehensive explanation of our claims process here.

Halfords Autocentres are our nominated approved repairer. Rated ‘Excellent’ by over 120,000 reviewers, and with more than 300 repair centres throughout the UK, you can be assured of fast, convenient and reliable service.

You can get a quote for Click4Warranty Mechanical Breakdown Insurance in moments on this website. Just tell us your car’s registration number, as well as the duration of the cover you’d like and we’ll give you a quote instantly. You can accept there and then, and your cover could start straightaway, the moment your premium is received.

Or, if you want more information, just call us at the number below, or use the chat link on the bottom right and we’ll be happy to assist during office hours.

If your repair wasn’t an emergency, after hours, repair, we’ll pay the claim directly to the repairer to save you from being left out of pocket.

Red Sands Insurance Company (Europe) Limited who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.

Our Customer Service Team are on hand to answer any of your questions during working hours.

You’ll find the policy terms for your Click4Warranty Mechanical Breakdown Insurance at the link below. It’ll provide you with all the information you’ll need to make a decision of tis is right for you. However, if you have any questions, our UK-based consultants will be available to assist you during office hours.

Click4Warranty Mechanical Breakdown Warranty Policy Wording

Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document

Click4Warranty’s monthly payment plan allows you to make your cover more affordable by spreading the cost over 10 months. Here’s how it works: when you take out your policy you’ll pay 20% deposit, and then the balance of premium is spread out over the next 9 months. Each monthly payment will be put on to the credit/debit card you used to pay your deposit.

This is not a credit agreement and we will not search the information a credit reference agency holds about you, and your payment will not be subject to any interest rate changes.

The monthly payment amount, transaction fee and number of monthly payments you will have to pay are shown at the time of purchase, in your Policy Schedule under Payment Options.

Each monthly payment will be deducted from your assigned card on the 1st day of the month starting from the 1st day of the month following the date the policy was purchased. You do not need to schedule payment, plan payments or make a manual payment on the payment date.

Your cover is conditional on you making all of the monthly payments when they are due. If a payment is not received, your policy will cease to cover you in the event of a claim occurring after the unpaid monthly payment was due. This could ultimately result in your cover being cancelled.

We will then take action to recover the outstanding amount, which could result in additional charges each time a request is returned unpaid, or legal action along with its associated costs.

You have the right to withdraw from monthly payments by paying any balance owing in full. If you would like to do this, please contact Customer Service who can arrange payment by debit or credit card over the phone.