Insured Contracts

Learn more about the different warranty contract types and your rights as a customer.

"A honest company with matching ethics and integrity geared for the total care of its customers."Mr R Keeley-Callan - 01/10/2015
"Very impressive, courteous and friendly customer service."Mr J King - 01/08/2015
"First class service. Would not hesitate to recommend your services to others."Mr J Worthington - 01/08/2015
"Warranty Direct is an excellent company. Staff are first rate and the product and service excellent."Mr K Ross - 01/07/2015
"Excellent service. Well done. Thank you"Mr D Berman - 01/06/2015
"Warranty Direct has a hassle free service."Mr Dyer - 01/04/2015
"A superb service, and one that I would highly recommend to others."Mr S Phelps - 01/03/2015
"Delighted. No hassle service. Cheque came within 2-3 days and the staff were all great!"Mr N Robertson - 01/02/2015
"Just made my first claim, everything went like clockwork, excellent!"Mr R Bone - 01/01/2015
"Very quick response to my claim over the Christmas and New Year period. No quibbles."Mr A Thomas - 01/01/2015
"Warranty Direct have a very helpful team who respond and arrange payment quickly when making a claim."Mr K Lockwood - 01/01/2015
"Very pleased with friendly, prompt and professional service. Highly recommended..."Mr K Lett - 20/11/2014
"Pleasantly surprised in the efficiency of dealing with my claim."Mr S Amerat - 08/07/2014
What are the main differences between an Insurance Contract and a Service Contract?

It is very important that you check your contract documentation to make sure you know your rights, as they may differ depending on which type warranty contract you buy.

Insurance ContractService Contract
Selling standardsThere are very high standards applied to regulated firms by the Financial Conduct Authority in respect to selling practices. These standards ensure that you are provided with clear, honest and not misleading information about the product before you make the decision to purchase an insurance contract.Whilst service contracts providers have to comply with a variety of consumer protection standards, there is not a similar active regulator such as the Financial Conduct Authority ensuring that sales practices are of a high standard.
RegulationWe are authorised and regulated by the Financial Conduct Authority and the insurance company who underwrites the policy is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.Whilst service contracts providers have to comply with a variety of consumer protection standards, there is not a similar overseeing and active regulator such as the Financial Conduct Authority.
Making a complaintThere are specific rules set out for regulated firms to follow when assessing a complaint. If the regulated firm is unable to close your complaint to your satisfaction you will have the right to refer your complaint to the Financial Ombudsman Service without charge.Whilst the service contract provider would make every attempt to address your complaint, you will not necessarily have access to a free independent arbitration service if the service provider is unable to close your complaint to your satisfaction.
InsolvencyWe and our insurer are covered by the Financial Services Compensation Scheme ('FSCS'). The FSCS is the UK's compensation fund for customers of authorised financial services firms. The FSCS may pay compensation to a customer if a firm is unable, or likely to be unable, to pay claims made against it.In order to protect their customers in the event of insolvency, some service contract providers set aside funds to cover their non-insured schemes. However, this may not always be the case, so it is important to check your contract document carefully.

Warranty Direct partners include:

Admiral
Autotrader
Confused
Diamond
Gocompare
Honest John
HPI
Moneysupermarket
RT Money
Telegraph
This is Money
uswitch
Whatcar
Partsgateway
Money
Be Wiser
Bennetts
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Call: 0800 097 8839email:contact@warrantydirect.co.uk