In Brief - Click4 Warranty

Click4Warranty have over 20 years experience in providing quality, financial and service driven insurance products to the automotive sector. 

In 2003 the Insurer saw an opportunity and became a partner, immediately providing Click4Warranty with a way to launch new innivative products and provide the enviable flexibility to write terms & conditions that are clear and definitive.

In 2007 the decision was taken to provide Warranty products direct to the consumer via the internet, bypassing the dealer networks and thus saving the consumer money and time.

The policy terms reflect their hands on experience and the result is a uniquely transparent policy fully adhered to through their membership of the FSA.  Refreshingly clear terms avoid sweeping statements and list every part that is insured and the additional benefits and policy conditions.

There is a dedicated customer service team based in the UK who are happy to take your call if you have any questions or need reassurance about their services provided.

Features And Benefits of Click4 Car Warranty

• Cover against breakdown due to wear & tear included as standard
• No service history required
• 21 day money back guarantee
• Up to £7000 claim per breakdown
• Cover from day one.

Click here to visit Click4 warranty's website 

Details Of Click4 Car Warranty

There are 3, 4 and 5 star policies available. The star rating indicates the extent of parts that are insured.  There is no increase in premium related to the mileage of the car.  Wherever possible claims are settled directly with the repairer.

Cover against breakdown due to WEAR & TEAR included as standard

"Wear and tear" is the expected reduction in performance of a part due to the cars age, mileage and/or use. Many companies exclude it, others charge a premium to cover it. All our policies cover breakdown of an insured part attributed to wear and tear.

No increase in premium for high mileage cars
Most warranty providers penalise high mileage car drivers irrespective of whether a claim is made or not by charging more for the warranty. Click4warranty don't, instead we require a contribution toward the cost of repairs in the event of a valid claim. This is known as "The Z Scale" and means instead of paying a premium loading at the outset, there is a contribution for "betterment" in the event of a claim. Not unreasonable as the car is in better condition than it was before

Parts and labour covered
Your Click4Warranty policy pays toward the costs of parts and labour for repair or replacement of an insured component.

Choice of claim limits
All Click4warranty policies have a choice of three substantial claim limits, £3,000; £5,000 and £7,000. This is the maximum amount payable on each and every claim.

Unlimited number of claims.
You can make an unlimited number of claims and we will apply the single claim limit to each claim. The maximum amount we will pay "in total" during the term of the policy is set at the Glass's Guide retail value of your car at the time of claim.

Cover from day one
Sudden, unknown and unexpected failures are covered from the day your policy starts.

No annual mileage restriction
The Click4Warranty policy has no limit on the annual mileage you drive. Your car will continue to be protected by a Click4warranty policy until it has covered 150,000 mile

Claims handled over the 'phone
All you need to do is pick up the phone and call us. To keep the process quick and simple we process everything over the 'phone.

Claims settled directly with the repairer.
Wherever possible, to avoid your being out of pocket, we will settle authorised claims directly with the repairer.

Vehicle Recovery included
Up to £100 towards the cost of recovery to the repairing garage

Replacement Car Hire included
Up to £30 a day towards the cost of a replacement vehicle while your car is being repaired.

Overnight accommodation and rail fares included
Up to £60 towards hotel expenses or a return rail ticket.

European Cover included
Up to 60 days cover for driving in the Republic of Ireland and mainland Europe

Clear and definitive Terms & Conditions
In 2003 the Insurer saw an opportunity and became a partner, immediately providing us the enviable flexibility to write terms & conditions that are clear and definitive.

21 day money back guarantee
Unlike other providers we allow you 21 days (not the standard 14) from the date the policy was purchased to cancel your policy and receive a FULL refund.

Cover may be transferred to new private owner
A warranty is a valuable selling tool if you decide to sell your car. The warranty may be transferred to the new owner, simply call us to request the transfer and we will transfer the balance of your policy to the new owner. We do require a £25 contribution from you toward the administration costs. Conditions do apply (for example we cannot transfer the policy if you sell your car to a motor dealer)

This is the detail of the comprehensive 5 star policy:

Insured Parts are listed under the following headings, any item not specifically described below is not insured.

ENGINE
The rocker assembly, including hydraulic followers, inlet and exhaust valves [not burnt valves], springs and guides, cylinder head [not cracks and de-coking or porous heads], cylinder head gasket [except skim], push rods, camshaft and followers, timing gears and chains [excluding tensioner], oil pump, pistons and rings, cylinder bores [excluding porous bores], con rods, gudgeon pins and bearings, crankshaft and bearings, inlet manifold, flywheel and ring gear. Timing belts are covered provided that they have been changed in accordance with the manufacturers schedules. In the event of a claim YOU will be required to provide proof that the timing belts have been changed in accordance with the manufacturers schedules. Failure to do so may invalidate YOUR claim.

MANUAL GEARBOX
Internal gears, internal shaft, synchromesh hubs, selectors, bearings and bushes and transfer gears.

AUTOMATIC GEARBOX
Internal shafts, gears, clutches, brake band, valve block, governor, oil pump, bearings and bushes, servo, drive plate and transfer gear.

DIFFERENTIAL
Internal crown wheel and pinion, gears, shaft, bearings and bushes, thrust washers and spacer.

CONTINUOUSLY VARIABLE TRANSMISSION CTX
Internal clutches, planetary gears, reduction gears, shafts, variable pulleys, thrust link drives, internal seals, bushes and bearings.

PROPSHAFT
Universal joints and couplings.

TORQUE CONVERTER
Failure of any internal mechanical PART(s)

CASINGS
If any of the covered PART(s) fail and this damages the casings, the casings will also be covered.

WHEEL BEARINGS
Front and Rear Drive Axle Wheel bearings, Both front and rear wheel bearings.

ENGINE COOLING SYSTEM
Viscous fan coupling , water pump , thermostat housing, thermostat, heater matrix , Radiator , oil cooler.

WORKING MATERIALS
Oils, oil filter , anti-freeze , working materials are covered only if it is essential to replace them because of the failure of a PART(s) which is covered under this POLICY.

CLUTCH
Centre plate, pressure plate, release bearing, oil contamination [centre plate only] , master and slave cylinders, labour costs included.

FUEL SYSTEM [DIESEL AND PETROL]
Carburettors , mechanical or electrical fuel pumps , injection pump, automatic choke , lift pump , tank sender unit.

BRAKES
Brake master cylinder, Wheel cylinders, restrictor valve, brake caliper seals, Servo.

STEERING [INCL. POWER ASSISTED STEERING]
Steering rack and pinion [not gaiters], steering box, idler box, power steering rack and pump, power steering reservoir.

ELECTRICAL SYSTEM
Starter motor and solenoid including pre-engagement mechanism and bendix drive, alternator, diode pack, coil voltage regulator, indicator relay, front windscreen wiper and washer motors, rear windscreen wiper and washer motors, window and sun roof motors, indicator flasher relay, electric window switches, sunroof switch, centralised locking, heater fan motor, distributor, electronic ignition amplifier, thermostatically-controlled radiator fan motor, horn and multi-function stalk switch.

FRONT AND REAR SUSPENSION
Coil springs, Hydrolastic displacers and hydropneumatic spheres, upper and lower wishbones, ball and swivel joints.

ENGINE MANAGEMENT (ECU)
Engine electronic control unit.

FUEL INJECTION SYSTEMS
Throttle body, airflow meter, idle control valve, cold start valve, warm up regulator, overrun cut off valve, throttle potentiometer, fuel accumulator, pressure regulator, map sensor [except injectors and heater plugs]

FRONT WHEEL DRIVE
Drive shafts including constant velocity joints universal joints and couplings [not gaiters]

REAR-WHEEL DRIVE
Half shafts, rear-wheel external drive shafts including constant velocity joints, universal joints and couplings [not gaiters]