Vehicle Warranty FAQs
What do you mean by All Mechanical Parts?
The Oxford English dictionary defines 'Mechanical' as: (1) relating to or operated by a
machine or machinery. (2) relating to physical forces or motion. This basically means
it has to be a part which moves or is moved and/or is acted upon by something else
which makes it do that motion.
NB: There are some items listed under our Additions not included with the main cover.
What do you mean by All Electrical Parts?
The Oxford English dictionary defines 'Electrical' as: (1) concerned with, operating
by, or producing electricity. This means it has to be powered by, use or produce
electricity in order to function.
NB: There are some items listed under our Additions not included with the main cover.
Who do you pay the claims money to?
Once a claim is ready for settlement, Warranty Direct pay to either your chosen
VAT registered repairer or yourself as the policyholder. You tell us who to pay
at the time of claim by selecting it on your claim form. Easy peasy. No need for
dealer accounts or for us to have a network of garages, Warranty Direct can deal
with whoever you tell us to on your form.
"Wear & Tear" clause wording on the site is difficult to understand, can you
please explain it a little easier?
Wear and Tear is probably the greatest of the weasel words. Most warranties
exclude breakdown due to wear & tear leaving the door wide open to decline any
claim where a part has suffered a failure due to it being worn. Even those
warranties that include it usually only allow full claims when your car is
relatively new (when the cover is not needed) and then build in a sliding
scale percentage excess, which costs you more as your mileage increases, which
all means 'You Pay'. Our warranty includes protection against failure due to
wear and tear, but Warranty Direct allow you to de-select it if you think it's
inappropriate.
Do I have to get my car inspected before you will cover my vehicle?
An inspection is not normally required, however Warranty Direct reserve the
right to have your vehicle inspected or request a photo of your milometer in
certain circumstances. The deal is that your car needs to have at least 3 months
MOT remaining when you take out the policy and you must ensure your car has been
correctly serviced by a Vat registered garage.
Does my vehicle need to have a full service history?
No, but I do recommend that you always try to buy a car which has, there is
really nothing like a full book of main dealer service stamps when it comes
time to move your car on. However it is very important that your vehicle is
fully serviced as recommended by the manufacturer within the last 12 months,
using a VAT registered garage, during the period of insurance.
Can Warrantywise provide a warranty for any vehicle?
Warrantywise can cover almost any vehicle including commercial vehicles and
high performance sports cars however for obvious reasons they are unwilling to
take on board vehicles used within driving schools, competitive events, modified
vehicles or Japanese imports. There are special arrangements through some
dealerships for Black Cabs.
Will my call to make a claim or complaint be transferred to a call centre half
way around the world?
Definately not - all calls, including dealing with claims, are answered by
Warrantywise here in the UK. I have met all the staff and visited their offices,
they are a great bunch.
What if my car suffers a breakdown out of office hours or during a holiday
period?
You can use what the policy describes as the Emergency Claims Procedure. Basically
you pay for the repairs yourself, but make sure you get Vat receipts and if
possible save the old parts and then make the claim when the office re-opens. Also,
it's best to leave an answerphone message or send an email to the claims office
asap just to get your claim on the record. The full details are in the policy.
Are there any mileage restrictions?
Warrantywise polices allow for an unlimited number of valid claims to be made
with no limits on the annual mileage you drive. Warranty Direct do not have
upper mileage limits so you won't run out of cover.
Are there any claims limits?
There is a maximum amount that will be paid out to meet any particular
claim (single claim limit) which you can select. Also, Warranty Direct will not
pay out more than the retail value of your car (sum insured).
What if I need to pay for a hire car?
You can claim up to £50 (inc VAT) per day for up 5 days for car hire, in
certain circumstances, when your vehicle is in for repair.
What about recovery?
If you breakdown because of a fault covered under your policy, Warranty
Direct will reimburse you the cost of recovery expenses up to £200.00 (inc VAT)
for each breakdown.
What happens if I breakdown abroad?
We include European Cover throughout the policy term. This provides similar
protection as within the UK, throughout the EEC.
Can I transfer my warranty if I sell my vehicle?
Yes, you can usually transfer the balance of your warranty to a new private
owner should you sell your vehicle. There is a £35 transfer charge to cover
administration expenses.
How can I pay for Warrantywise protection?
Warrantywise accept payment using all major credit cards, debit cards, personal
cheque, by a single one off payment or you can pay by monthly instalments.
My garage says they won't deal with a warranty company. What do I do?
Ask your garage to call the claims department to log the claim. They don't
need an account with us. They just need to confirm their professional opinion
so that Warranty Direct know what they have seen is wrong with your car. Warranty Direct
need this information to assess the claim. Without it, Warranty Direct have no
information to work with. Most garages will call us if they know that Warranty
Direct need the information to help you with your claim.
How secure is my policy with Warrantywise?
I am satisfied that your warranty is in safe hands. Warrantywise are Authorised
and Regulated by the Financial Services Authority who ensure the correct operation
of all UK insurance firms. Warrantywise are Coverholders at Lloyd's of London and
therefore backed by the strength of Lloyd's one of the worlds largest and most
respected insures with over £40 billion in underwriting assets, it is Lloyd's who
have the ultimate responsibility for your policy of insurance. Warrantywise are
also protected by the Financial Services Compensation Scheme.
What if I have a complaint?
Warrantywise take complaints very seriously and so do Lloyd's. All complaints are
thoroughly investigated by Warrantywise customer relations managers and if that
doesn't do the trick you can contact me, Quentin Willson. Ultimately you have
final recourse to Lloyd's of London and the Insurance Ombudsman.