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You can be secure in the knowledge that we will be handling your claims and that our flexible payment plans will also make budgeting easy. Whether you have owned your car for years or you're just about to buy it, discover how a Warranty Direct warranty can protect your peace of mind - and your pocket!
We know that it can often be difficult to decide on the warranty company that deserves your trust. That's why we're delighted to list among our many partners such names as Radio Times, WhatCar? Auto Trader, Admiral Insurance, Go Compare, This is Money, HPI and uSwitch - we believe this speaks for itself!
You can purchase your warranty at any time and we will provide industry leading cover for your vehicle as long as it is below 12 years old with less than 120,000 recorded miles since new. If your original manufacturer warranty is about to expire we can offer a particularly high level of cover at a very competitive price.
All Warranty Direct policies are insurance contracts and we are authorised and regulated by the Financial Conduct Authority. This means that in the unlikely event of any dispute you will have access to the Financial Ombudsman Service (FOS) and in the event of us not being able to meet our liabilities you will be covered by the Financial Services Compensation Scheme (FSCS).
Warranty Direct covers the cost of mechanical and electrical failure of insured parts (this depends on the level of cover you choose). Wear and tear to a covered part and damage to an insured part caused by an uninsured part, sometimes referred to as consequential damage, are also covered. For comparison, we estimate these two items to be worth 40% of your premium. (Other providers exclude such cover so beware inferior imitations!). Warranty Direct policies also cover repairs identified at the time of service or MOT test, failure as a result of overheating* and the cost of reasonable diagnostic time.
With alternative warranty products disputes often arise in respect of wear & tear because they incorporate a "wear & tear" exclusion clause. At the time of any claim it is all too easy for the administrator to refuse your claim by saying; "of course it's broken, the car's done 40,000 miles and it's worn out."
Some warranty providers complicate matters by referring to different types of wear & tear. "Premature", "Gradual", "Normal" and "General" are terms used to confuse the consumer. 'Premature' will sometimes be covered but the others will frequently not be.
All Warranty Direct policies protect you against failure caused by a type of wear & tear because parts can fail due to wear & tear at any time. Consider these facts, the average motorist covers about 10,000 miles per year so by the end of the normal 3 year manufacturer warranty the vehicle has covered about 30,000 miles - yet 40% of vehicles require repairs in year 4 and many of these repairs can be attributed to 'wear & tear.' So beware of any policy that doesn't offer, or even suggests you don't need, wear & tear cover and always pay any extra demanded if wear & tear is unwisely promoted as an option.
If you take out one of our policies immediately before the manufacturer's original new car warranty expires your wear & tear protection will start from day one - otherwise your vehicle's wear & tear cover will start after the first 90 days. We adopt this policy because our years of experience have shown that wear & tear failures arising in the first 90 days on cover are almost always pre-existing faults that were apparent before the vehicle came on cover. Upon renewal, wear & tear cover obviously applies from day one. This approach is unique to Warranty Direct and reflects our position as industry leaders for customer service and satisfaction. A good example of a wear related failure is a failed water pump as a result of worn bearings. This type of claim will be rejected by a warranty policy that does not cover failure caused by wear & tear.
If an uninsured part fails and damages or breaks an insured part, then we will pay the costs attributed to the repair or replacement of the insured part as per any other claim. Other warranty companies refuse to settle such claims.
This type of failure can result in very large bills. A good example is the failure of an alternator belt which in itself is a service item and therefore not covered. These belts, when they come off, get caught up in the timing belt resulting in damaged pistons and valves in the engine.
Our stance on this issue amplifies Warranty Direct's position as industry leaders for customer service and satisfaction.
"I would firstly like to thank you very much for honouring my claim. It must be the first time I've ever had any kind of payment from an insurance company which, it legally did not have to give. I will certainly recommend you to any friend who is looking for a warranty." Mrs H.M. Humphreys
A Warranty Direct warranty covers failures to insured parts that are found during a Service or MOT Test. In addition, our levels of cover and our policy claim limits remain in force at these important times unlike alternative policies where, even if included, cover and claim limits are often reduced. There are few occasions during the year that your car is inspected so beware warranties that exclude failures discovered at Service or MOT Test.
Some warranty companies will also attempt to sell you MOT Test insurance as an extra - this cover includes a very limited number of parts and is generally poor value - particularly when sold as an extra.
Warranty Direct policies cover failure due to overheating which is often excluded from cover elsewhere. The results of a sudden increase in engine temperature can be catastrophic and very expensive. Warranty Direct covers such failure as long as the timing belt has been changed at the vehicle manufacturer's recommended interval for the model concerned.
When you purchase your warranty we will offer you a choice of hourly labour rates for any future repairs that will either be paid directly to our contracted network or reimbursed to you at time of claim. Our maximum Network labour rate is currently £72 per hour including VAT. Our main dealer labour rate is £240 including VAT which will cover the charges of just about every garage in the UK. The price you pay for your cover will vary according to your preference. You can select any VAT registered garage for repairs and they will call Warranty Direct for immediate claim authorisation.
Everything eventually wears out and our unique approach to wear & tear is possible because we ask for a contribution towards parts repair cost as the vehicle ages or covers higher mileages. If your vehicle is less than 6 years or less than 60,000 miles old we will pay the full cost of parts and labour. For vehicles over 6 years or 60,000 miles, the table below shows the percentage we will pay towards parts depending on the vehicle's age and mileage at the time of breakdown. We always pay the labour cost in full.
|Vehicle Age or Mileage||Parts||Labour|
|Up to 6 years or 60,000 miles||100%||100%|
|Up to 7 years or 70,000 miles||80%||100%|
|Up to 8 years or 80,000 miles||70%||100%|
|Up to 9 years or 90,000 miles||60%||100%|
|Up to 10 years or 100,000 miles||50%||100%|
|Over 10 years or 100,000 miles||50%||100%|
Your policy includes up to a maximum contribution of £250 toward recovery cost if a breakdown is a result of failure of an insured part and if you do not have cover elsewhere. If you prefer, Warranty Direct's BreakdownCare or BreakdownCare Plus can be purchased from us at extremely competitive prices.
If you make a valid claim, we will pay up to the daily limit in your policy schedule (including VAT) for up to seven days towards the cost of hiring a replacement car. We will only pay for a replacement vehicle if your vehicle is being repaired under the terms of this insurance, and the repair will take over eight hours of workshop time to complete. We will not pay for a replacement vehicle for the first 24 hours your vehicle is out of use and we will not pay for any fuel or insurance in connection with a hire car.
If you take out cover as or before the original manufacturer warranty expires or it is a Warranty Direct policy renewal, wear & tear cover to insured parts will commence immediately. Otherwise, cover will be subject to a 90-day exclusion period.
Each claim will be subject to a £50 excess unless an alternative agreement has been reached and this will be detailed within the policy schedule.
Warranty Direct is a car warranty specialist, and we offer cover for used, performance and prestige cars from Mini to Ferrari and beyond. We are the industry's leading provider of direct consumer warranty products.
*overheating due to timing belt failure is covered as long as the timing belt has been changed at the manufacturer's recommended interval.