Thanks for the reply SDH, yup I do enjoy the car and it and gets well looked after, the little niggly things and some of the more enjoyable mods upgrades are getting sorted as time and finances allow....
I'll certainly agree, internet reviews are generally less than favourable for many of these companies, but as with all things internet forum based especially, people are more likely to complain about the bad than praise the good, so take things in context of that really !
If faced with paying 50% of the repair cost, its probably best to leave the money in your own pocket, the only time there may be some benefit is when hit with a £2K repair bill, but there would still be £1K to find from your own coffers ! Wouldn't relish the hassle of fighting to get a claim approved either
on a plus point, they will allow your choice of repairer, but they must approve their estimate first (understandable)
Here's the t&c, though not the full wriggle out clause fine print I'm sure !!
Apologies in advance, its a bit of a verbal trudge..........
Do you cover faults found at MOT or Service?
Yes! If an insured component is found to be faulty during routine maintenance or MOT valid claims will be authorised.
Am I protected from day one?
Yes! Cover is from day one. So if an insured component is found to be faulty valid claims will be authorised. even for wear and tear.
LIMITATION: In the unlikely event in the first 30 days you make a claim under ECU, airconditioning, or the electrical system, then there is an early claim excess of 50%. This doesn’t apply after 30 days or to any other listed components.
What is Wear and Tear
Wear and tear is the expected reduction in performance of a part due to the cars age, mileage and/or use.
Do you cover Wear & Tear?
Yes! Your Click4Warranty policy WILL pay toward the cost of repairs if a part fails as a result of “wear and tear”... from day one!. This means a claim will be valid even if the part fails due to wear and tear. Typically other warranty companies have a three month exclusion or may exclude wear and tear altogether.
LIMITATION: In the unlikely event in the first 30 days you make a claim under ECU, airconditioning, or the electrical system, then there is an early claim excess of 50%. This doesn’t apply after 30 days or to any other listed components.
What should I do if my car breaks down?
The claims process is simple, handled by telephone and we deal with the garage on your behalf. All you you need to do is call the claims line on 0871 384 1168. Claims are administered by the UK’s leading provider of motor related insurance products to the motor trade and all calls are dealt with by NVQ qualified engineers.
Do I have to pay the repairer?
No, we settle the invoice with the approved repairer directly and you will likely have nothing to pay, unless there are valid reasons why we are only paying a part of the bill. If you use your own repairer you will have to pay their bill in full, then send us the invoice so we can pay you back directly.
What if my car breaks down out of office hours?
This won't invalidate a valid claim. Simply settle your invoice and call the claims department within working hours. You'll need to provide details of the repairing garage, provide a copy of the VAT receipts and ask the repairing garage to save the old parts for 7 days. Once the claim is authorised we will reimburse reasonable costs according to the terms of your selected policy.
Who is your nominated repairer?
We’ve appointed the UK’s leading independent car service and repair network, Halfords Autocentres, who have over 260 centres across the UK and more ATA trained mechanics than any other independent garage. Repairs are guaranteed for 12 months or 12,000 miles. Whilst you may prefer to use your own repairer, remember you may not be at home when you break down!
Can I use my local garage?
Yes! Your garage must first telephone the claims line to obtain authority and agree the costs. Subject to your chosen policy limits, we will pay up to a reasonable vat registered repairer’s retail price for parts, labour times as set out by ICME (Institute of Chartered Mechanical Engineers) and up to the labour rate of our approved repairers. (currently £56.16 inc vat per hour inside the M25 / £45.48 inc vat per hour outside the M25).
What is the claim excess?
Our policies have one of the lowest standard claim excess available in the market today at just £10 per claim. If your car has covered less than 60,000 miles we will settle 100% parts, labour and vat (subject to the policy terms and claim limit). Over 60,000 miles we ask for a contribution toward betterment (see What is Betterment?)
Does my cars age increase the excess I pay?
No. There is no increase to the standard £10 excess or betterment contribution related to the age of your car.
What is Betterment?
When a repair makes a car more valuable than before (eg a new engine).
Do I have to pay betterment?
Cars up to 60,000 miles
No, there's no contribution toward betterment. Cover starts day one and repairs guaranteed for 12 months or 12000 miles, claim excess £10, betterment contribution ZERO!
Cars 60,000 to 150,000 miles
No increase in premium, cover starts day one, repairers guaranteed for 12 months or 12000 miles, claim excess just £10, LIMITATION: Betterment contribution? Yes.
Here's Why: At Click4Warranty we don’t believe you should be penalised for owning a high mileage car, it may be incredibly reliable and present no more of a risk to us than a low mileage car. Instead, you will only be asked to make a contribution if you have a claim! This means you benefit from all the protection afforded by our policies at no extra premium!
As with all aspects of our products and service, we want to make it easy for you to understand the benefits and limitations before you purchase. 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%
Can you give me an example of "Betterment" cost?
Let's use the head gasket as an example assuming 5 hours labour and total retail repair cost inv vat £700.
Firstly, due to the volume of business we place with our approved repairer, our policy holders benefit from a massively discounted labour rate. This reduces the overall cost of the repair.
Therefore, in our Head Gasket example, the cost would be reduced to £400.
After this discount, the betterment contribution would be...
Up to 60,000 miles
no contribution required
Up to 70,000 miles 10% £40
Up to 80,000 miles 20% £80
Up to 90,000 miles 30% £120
Up to 100,000 miles 40% £160
Over 100,000 miles 50% £200
IMPORTANT:
Remember, cover for wear and tear is standard, the Click4Warranty standard excess is just £10 and we don't increase the premium for high mileage cars,
This is just part of the reason our policies give genuine protection and are real value for money!
Why doesn't the premium increase for high mileage cars?
Why should you pay a higher premium? With Click4Warranty you can put protection in place against unexpected repair bills without breaking the bank. Instead, we ask for a contribution towards the cost of repairs only if your car has covered over 60,000 miles.
Are there mileage restrictions?
Annual mileage limit is whopping 30,000! We cover cars up to 150,000 miles - at which point cover will cease.
Do I need cover for overheating?
Click4Warranty covers the parts that most commonly cause overheating...
• Engine cooling system.
• Thermostat
• Water pump
• Thermostatically controlled radiator fan motor
• Radiator
• Cylinder head gasket
Many providers advertise statements like "we cover overheating" which many assume means damage caused by overheating. To the best of our knowledge it actually isn't possible to cover the cost of repair if damage is caused to insured parts because of overheating. The exclusion is in the small print.
Follow the warning lights, stop if the lights or guage tell you to, and no additional damage should occur. If you've been told a warranty covers overheating, most likely you'll see an exclusion in the small print along the lines of "damage to parts due to the vehicle being driven on after the fault was likely to have been apparent to the driver". Basically, drive the car with a warning light on - your claims excluded!
We don't cover damage caused by overheating and refuse to and spin a statement for marketing purposes suggesting we do! We don't falsely inflate premiums. We do cover the parts that could cause overheating.
Do I need cover against consequential damage?
Consequential damage is when a non-insured part fails and damages an insured part. Obviously this can happen, but it certainly isn't commonplace.
Some providers try to justify high premiums with horror stories surrounding destroyed engines due to consequential damage. Has it happened to you? Do you know someone it's happened to?
At Click4Warranty our mission is to provide real protection against likely failure, this is genuine value for money. We don't include "consequential damage" cover. We are proud that our premiums are amongst the lowest available, whilst our policies are considered to be one of the most straightforward, reliable and comprehensive on the market.
What if I sell my car?
Your policy can be transferred to any new private owner as long as it has been serviced and maintained according to the terms of the policy. It can't be transferred if the vehicle is sold to a motor dealer or trader.
What don't your warranties cover?
Unlike many warranty providers, we steer away from broad statements about the parts covered by our policies. To describe cover as "all mechanical and electrical components" means that, if you want to be sure a part is covered, you need to laboriously work out what really is excluded.
Instead, you will see our terms and conditions comprehensively list the insured parts and, quite simply, if a part isnt listed it isnt covered... If it is listed, then the part is covered!
Obvious exlusions are batteries, wheels; tyres; exhausts; catalytic converters; and worn out clutches & brakes. As well as damage to bodywork or paintwork; glass and headlights.
Also some electrical items may not be covered such as: aerials; batteries; and microphones & loud speakers. And goes without saying, like all other warranties, we don't cover pre-existing or known faults.
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