driving your car warranty further. · mechanical breakdown insurance policy driving your car...

CLICK WARRANTY

click4warranty.co.ukT 0208 819 3424 E [email protected] Click4Warranty

Published December 2014

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CLICK WARRANTY

Mechanical Breakdown Insurance Policy / Policy SummaryDriving your car warranty further.

Customers are the only reason we are in business.We listen to you, understand you and respond with insurance products

that not only meet your needs but exceed your expectations.

We believe that the quality, flexibility and clarity of our products,along with our customer service, cannot be surpassed.

Welcome to car warranty your way. Welcome to Click4Warranty.



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CONTENTS PAGE

MECHANICAL BREAKDOWN INSURANCE POLICY 5

MECHANICAL BREAKDOWN INSURANCE POLICY SUMMARY 25




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WELCOME

Click4Warrantywelcomeyoutojointhegrowinglistofthousandsofsatisfiedpolicyholders…

MorethanjustaWarranty,yourClick4Warrantypolicyisaninsurancecontractandweareauthorised andregulatedbytheFCA.PoliciesmustcomplywiththeFinancialOmbudsmanServicerequirementto provideaccurateinformationandbedesigned,delivered,soldandhaveclaimsadministeredin waysthatcomplywiththeFinancialConductAuthority’s(FCA)rules.

BecauseweasanInsurerareregulated,andyourpolicyisanInsurancecontract,yourpolicyisprotected bytheFinancialServicesCompensationScheme(FSCS).Thisprovidescompensationintheeventan insurerceasestrading.ThisisonlyavailablewhenafirmisregulatedbytheUK’sfinancialwatchdog the FCA.

Whileothercompaniesmayenforceatime/mileagewaitingperiod,withClick4Warrantyyouareprotected fromdayone*,soifaninsuredcomponentisfoundtobefaultyvalidclaimswillbeauthorised,evenfor 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.

Servicingrequirementsaresimple.Ifyoudon’thaveproofofservicebyavatregisteredgarageinthelast 12months,ornoservicehistoryatall,justensureaserviceiscompletedwithin21daysor500miles (whicheverissooner).Soonerratherthanlaterasaclaimwillnotbeaccepteduntilthishasbeendone. Afterthat,justcontinuetofollowtheserviceschedule.Wedon’tinsistonanexpensivefranchiseddealer serviceeither,youcaneitherfollowthemanufacturersservicerequirementsorthealternativefivepoint serviceschedule.

Thesafetyofourpolicyholdersisparamount,sowedon’tinsistyouhavetowaittobreakdowntosubmit aclaim;ifaninsuredcomponentisfoundtobefaultyduringroutinemaintenanceorMOT,validclaims will be authorised.

Ascomprehensiveasourpoliciesare,theydon’tcovereverything.Obviousexclusionsarebatteries, wheels;tyres;exhausts;catalyticconverters;andwornoutclutches&brakes.Aswellasdamageto bodyworkorpaintwork;glassandheadlights.Alsosomeelectricalitemsmaynotbecoveredsuchas: aerials;batteries;andmicrophones&loudspeakers.Andgoeswithoutsaying,likeallotherwarranties,we don’tcoverpre-existingorknownfaults.




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Ourwebsiteandtermsaredesignedtomakeiteasytodeterminethecoverweprovide.Forexample,you willseeourtermscomprehensivelylistalltheinsuredpartsand,quitesimply,ifapartisn’tlisteditisn’t covered.Thisisallpartofourcommitmenttosaveyouhavingtobeanexperttoknowourwarranties reallyareworththepaperthey’reprintedon!

Beforepurchasingyourpolicy,wedoaskthatyouconfirmyouunderstandthecoveryou’rebuying.If youhaveanyquestions,orliketoreassurancetospeakwithusdirectly,ournon-commissionSurrey basedconsultantsareonhandtohelp.

ThisisanFCARegulated,Insuranceback,policy.Therefore,ifyoufeelwehaven’tprovidedtheservice youexpected,you’reentitledtocomplaintotheFinancialOmbudsmanService.Ifthishappens,we willimmediatelyberequiredtomakeapayment,whetherornottheyupholdyourcomplaint.Their decisionisfinalandwemustabidebyit.Thismeansthatanindependentauthorityhasthefinalsay-not acompanyemployee.

Finally,Click4Warrantyneverchargeforpolicyamendmentsatanytimeandwegiveyou21daystocancel withfullrefund(assumingofcourseyouhaven’tsubmittedaclaim).

Webelievethatthequality,flexibilityandclarityofourproducts,alongwithourcustomerservice associatedwithallourinsurancepoliciescannotbesurpassed.

Welcome to car warranty your way, Welcome to Click4Warranty.


Mechanical Breakdown Insurance PolicyDriving your car warranty further.



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YOUR POLICY

ThisPOLICYexplainsexactlywhat YOUarecoveredforandcontainstheTerms&ConditionsYOUR SCHEDULEshowsthepolicytype,term,CLAIM LIMIT, the date the POLICYwaspurchasedandany optionalsupplementarycoverselectedbyYOU. PleasekeepallYOURdocumentsinasafeplace.

CLICK4WARRANTY MECHANICAL BREAKDOWN INSURANCE

Designedtopaytowardsthecostsassociatedwithsuddenmechanicalfailure

THIS CLICK4WARRANTY POLICY IS SUITABLE FOR: Newandusedvehicles Vehiclespurchasedprivatelyorthroughatradeentityirrespectiveofhowlongago YOUpurchased. Under Contract Hire or any style of Leasing Agreement (Excludingvehiclesusedforhireorreward;asataxi;selfdrivehire;byadrivingschool; commercialdeliverypurposes).

YOUR VEHICLE IS ELIGIBLE FOR THIS COVER IF:

It is under 12 years old Ithascoveredlessthan150,000miles

Our Promise To You.

We will always be fair and reasonable whenever you have need of the protection of this policy and that we will act quickly to provide that protection.

If you have any questions or would like to make any changes or additions to your policy, please e-mail us.




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GUIDE TO YOUR POLICY

GENERALINFORMATION DEFINITIONS MECHANICALBREAKDOWNINSURANCEDEFINITION POLICYTYPE(S) EXTRABENEFITSINCLUDEDINYOURPOLICY COVERFORWEARANDTEARINCLUDED COVER INCLUDED WHEN USING YOUR VEHICLE ABROAD COVERPROVIDEDFORIMPORTEDVEHICLES FOURWHEELDRIVE(4X4)VEHICLES WHATWEPAYFOR WHATTHISMECHANICALBREAKDOWNINSURANCEDOESNOTCOVER HOWTOMAKEACLAIM EMERGENCY REPAIRS INSPECTIONBYINDEPENDENTENGINEER SERVICING YOUR VEHICLE YOURCANCELLATIONRIGHTS CANCELLATION DUTYOFCARE NON-DISCLOSUREOFFACTS CONTRIBUTIONAPPLIEDIFCOVEREDBYOTHERINSURANCE THELAWAPPLICABLETOTHISPOLICY INSURERSRIGHTS ARBITRATION RENEWAL TRANSFERRINGTHEPOLICY COMPENSATIONSCHEME OUR PROMISE OF GOOD SERVICE

1.2.3.4.5.6.7.8.9.

10.11.12.13.14.15.16.17.18.19.20.21.22.23.24.25.26.27.

Thanks for your prompt reply. May I say that your customer service is absolutley unbeatable and I will certainly recommend you in future.

D. Straw




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1: GENERAL INFORMATION

ThisPOLICYdocumentprovidesfulldetailsofthecoverprovidedandalltheexclusions.WE recommend YOU take a moment to read through these in conjunction with YOUR SCHEDULEtoseeexactlywhatis covered.

Eachsectionisnumberedtomakeiteasytofindtheinformation YOU need. “How to make a claim” providesastepbystepguideofwhattodoifYOUneedtomakeaclaimandcontainsallthephone numbers YOU need.

Aseparatedocument”Asummaryofyourcover”providesaquickreferencetoallthekeyfeaturesand benefitsofYOUR Click4Warranty Mechanical Breakdown Insurance.

2: DEFINITIONS

Thewordsorexpressionsdetailedbelowwillhavethefollowingmeaningwherevertheyappearinthe POLICY or SCHEDULE:

ADMINISTRATOR Autoprotect(MBI)Limited,whoistheadministratoronbehalfoftheINSURERforallsectionsofthispolicyandwhoseofficesare situatedatWarwickHouseRoydonRoadHarlowEssexCM195DYTel02088193424Fax01279457910AutoprotectMBIare authorisedandregulatedbytheFinancialConductAuthorityunderregisternumber312143.YoucancheckthisontheFCA’s RegisterbyvisitingtheFCA’swebsitewww.FCA.org.ukorbycontactingtheFCAon0800111676.Autoprotect(MBI)Limiteddealwith alladministrativemattersrelatingtoclaimshandling.

BREAKDOWN TheactualandsuddenmechanicalfailureofanyPART(s),causingasuddenstoppageofitsfunctionandwhichnecessitatesrepairor replacementtoresumethosefunctions.

CLAIM LIMIT ThemaximumamountthatcanbeclaimedperBREAKDOWN as stated on the SCHEDULE.ThisPOLICYprovidesanunlimited number of claims during the PERIOD OF COVERuptotheGlass’sGuideretailvalueofYOUR VEHICLE at time of claim. Ifthepolicytypestatesamaximumbenefitforaspecific BREAKDOWNthenthelowerlimitwillbeapplied.

EXCESS TotalamountYOUmustpayunderthetermsofthisPOLICY. Any EXCESS will be calculated and deducted from the any claim

benefitpriortosettlementofanyvalidclaim.

GEOGRAPHICAL LIMITS TheareainwhichthisPOLICYiseffectiveandincludesGreatBritain,NorthernIrelandandChannelIslandsplusanyadditionalarea detailedunder“Coverincludedwhenusing YOUR VEHICLE abroad”.




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INCEPTION ThedatethePOLICYwaspurchasedor,inthecaseofaVEHICLEpurchasedwithamanufacturers’guaranteeorwarranty,fromthe datecommencingimmediatelyafterexpiryofthemanufacturers’guaranteeorwarrantyperiod.

INSURER RedSandsInsuranceCompany(Europe)LimitedwhoseregisteredofficeisLevel3,OceanVillageBusinessCentre,23OceanVillage Promenade,Gibraltar.RedSandsInsuranceCompany(Europe)LimitedisregisteredinGibraltarwithcompanyregistration number87598.

PART Any mechanical, electrical and electronic PART(s)whichformedpartofthe VEHICLE when it was new.

PERIOD OF COVER From INCEPTION for the term as stated on the SCHEDULE or when YOUR VEHICLEhascoveredthemaximummileageorreachedthemaximumage as stated on the POLICY.

POLICY Thisdocumentwhichcontainsthetermsandconditionsof YOUR Mechanical Breakdown Insurance.

REPAIRER AnyVATregisteredbusinessprovidingcarrepairservicesonafulltimebasis.

SCHEDULE Declaration and additional information submitted by YOU or on YOUR behalf which shows the term, CLAIM LIMIT, date the POLICY waspurchasedandOptionalSupplementaryCoverforthepolicytypeselectedbyYOU.

SERVICING HANDBOOK ThehandbookwhichthemanufacturerissuedwiththeVEHICLEwhenitwasnewandcontainsdetailsastotheservicingand maintenance the manufacturer recommends for the VEHICLE.

VEHICLE The VEHICLE specifiedinthe SCHEDULEandwhichislessthan12yearsoldandhascoveredlessthan150,000milesat INCEPTION.

WE, US, OUR The INSURER RedSandsInsuranceCompany(Europe)Limited,Level3,OceanVillageBusinessCentre,23OceanVillagePromenade, E-mail:[email protected]

WEAR AND TEAR Theexpectedgradualreductionordeteriorationinoperatingperformanceand/orfunctionofanyPART(s)duetotheageand/or mileageand/orusageoftheVEHICLE. YOU, YOUR, YOURSELF Thepersonorcompanyspecifiedonthe SCHEDULE.




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3: MECHANICAL BREAKDOWN INSURANCE DEFINITION

ThisPOLICYisdesignedtopaytowardsthecostsofPART(s)andlabourforrepairsfollowing BREAKDOWN of PART(s),uptotheCLAIM LIMITandlistedunderthepolicytypeselectedbyYOU and stated on the SCHEDULE.

Allpolicytypesmaybeextendedtoincludethebenefitslistedunder“OptionalSupplementaryCover”.

4: POLICY TYPE(S)

Here WE list in full the PART(s)coveredunderthetermsofeachpolicytype.

4.1 THREE STAR POLICY

Designed to provide affordable cover toward the cost of repair or replacement of the most essential car components.

ENGINE Therockerassembly,includinghydraulicfollowers,inletandexhaustvalves[notburntvalves],inletandexhaustvalvespringsand guides,cylinderhead[notcracksandde-cokingorporousheads],cylinderheadgasket[exceptskim],pushrods,camshaftand followers,timinggearsandchains[excludingtensioner],oilpump,pistonsandrings,cylinderbores[excludingporousbores], conrods,gudgeonpinsandbearings,crankshaftandbearings,inletmanifold,flywheelandringgear,timingbeltsarecoveredas longastheyhavebeenchangeinaccordancewiththemanufacturersschedules.IntheeventofaclaimYOUwillberequiredto provideproofthatthetimingbeltshavebeenchangedinlinewiththemanufacturer’sschedules.Failuretodosomayinvalidate YOUR claim.

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

AUTOMATIC GEARBOX Internalshafts,gears,clutches,brakeband,valveblock,governor,oilpump,bearingsandbushes,servo,driveplateand transfer gear.

DIFFERENTIAL Internalcrownwheelandpinion,gears,shaft,bearingsandbushes,thrustwashersandspacer.

CONTINUOUSLY VARIABLE TRANSMISSION CTX Internalclutches,planetarygears,reductiongears,shafts,variablepulleys,thrustlinkdrives,internalseals,bushesandbearings.

PROPSHAFT Universaljointsandcouplings.




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TORQUE CONVERTER Failure of any internal mechanical PART(s).

WHEEL BEARINGS Frontandreardriveaxlewheelbearings.

ENGINE COOLING SYSTEM Viscousfancoupling.

CASINGS IfanyofthecoveredPART(s)failandthisdamagesthecasings,thecasingwillalsobecovered.

4.2 FOUR STAR POLICY

Provides extensive affordable cover toward the cost of repair or replacement of a wide ranging list of universal car components.

ENGINE: Therockerassembly,includinghydraulicfollowers,inletandexhaustvalves[notburntvalves],inletandexhaustvalvespringsand guides,cylinderhead[notcracksandde-cokingorporousheads],cylinderheadgasket[exceptskim],pushrods,camshaftand followers,timinggearsandchains[excludingtensioner],oilpump,pistonsandrings,cylinderbores[excludingporousbores], conrods,gudgeonpinsandbearings,crankshaftandbearings,inletmanifold,flywheelandringgear.Timingbeltsarecovered providedthattheyhavebeenchangedinaccordancewiththemanufacturers’schedules.IntheeventofaclaimYOU will be requiredtoprovideproofthatthetimingbeltshavebeenchangedinaccordancewiththemanufacturers’schedules.Failuretodo somayinvalidateYOUR claim.

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

AUTOMATIC GEARBOX: Internalshafts,gears,clutches,brakeband,valveblock,governor,oilpump,bearingsandbushes,servo,driveplateand transfer gear.

DIFFERENTIAL: Internalcrownwheelandpinion,gears,shaft,bearingsandbushes,thrustwashersandspacer.

CONTINUOUSLY VARIABLE TRANSMISSION CTX: Internalclutches,planetarygears,reductiongears,shafts,variablepulleys,thrustlinkdrives,internalseals,bushesandbearings.

PROPSHAFT: Universaljointsandcouplings.

TORQUE CONVERTER: Failure of any internal mechanical PART(s).




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WHEEL BEARINGS: Frontandreardriveaxlewheelbearings.

ENGINE COOLING SYSTEM: Viscousfancoupling,waterpump,thermostathousing,thermostat.

CLUTCH: Centreplate,pressureplate,releasebearing,oilcontamination [centreplateonly],masterandslavecylinders.

FUEL SYSTEM [DIESEL AND PETROL]: Carburettors,mechanicalorelectricalfuelpumpsandinjectionpumpare covereduptoamaximumof£100perclaimincludingVAT.

BRAKES: Brakemastercylinder,wheelcylinders,restrictorvalve,brakecalipersealsandServoare covereduptoamaximumof£100perclaimincludingVAT.

STEERING [INCL. POWER ASSISTED STEERING]: Steeringrackandpinion[notgaiters],steeringbox,idlerbox,powersteeringrackandpump.

ELECTRICAL SYSTEM: Startermotorandsolenoidincludingpre-engagementmechanismandbendixdrive,alternator,diodepack,coilvoltageregulator, indicatorrelay,frontwindscreenwiperandwashermotorsarecovereduptoamaximumof£100perclaimincludingVAT.

FRONT AND REAR SUSPENSION: Coilsprings.

CASINGS: IfanyofthecoveredPART(s)failandthisdamagesthecasings,thecasingswillalsobecovered.

WORKING MATERIALS: Oils,oilfilter,anti-freezeandworkingmaterialsarecoveredonlyifitisessentialtoreplacethembecauseofthefailureofaPART(s) whichiscoveredunderthisPOLICY.

Financial Services Compensation Scheme

TheFinancialServicesCompensationScheme(FSCS)whichprovidecompensationintheeventaninsurerceasestrading.ItisworthnotingthatthisfacilityisavailableonlywhenafirmisregulatedbytheUK’sfinancialwatchdogtheFCA.

FSCSFinancial Services Compensation Scheme




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4.3 FIVE STAR POLICY

Provides the ultimate in peace of mind for todays motorist. Helps with bills which arise when most mechanical or electrical faults require expert repair.

ENGINE: Therockerassembly,includinghydraulicfollowers,inletandexhaustvalves[notburntvalves],inletandexhaustvalvespringsand guides,cylinderhead[notcracksandde-cokingorporousheads],cylinderheadgasket[exceptskim],pushrods,camshaftand followers,timinggearsandchains[excludingtensioner],oilpump,pistonsandrings,cylinderbores[excludingporousbores], conrods,gudgeonpinsandbearings,crankshaftandbearings,inletmanifold,flywheelandringgear.Timingbeltsarecovered providedthattheyhavebeenchangedinaccordancewiththemanufacturersschedules.IntheeventofaclaimYOUwillberequired toprovideproofthatthetimingbeltshavebeenchangedinaccordancewiththemanufacturersschedules.Failuretodosomay invalidateYOUR claim.

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

AUTOMATIC GEARBOX: Internalshafts,gears,clutches,brakeband,valveblock,governor,oilpump,bearingsandbushes,servo,driveplateand transfer gear.

DIFFERENTIAL: Internalcrownwheelandpinion,gears,shaft,bearingsandbushes,thrustwashersandspacer.

CONTINUOUSLY VARIABLE TRANSMISSION CTX: Internalclutches,planetarygears,reductiongears,shafts,variablepulleys, thrustlinkdrives,internalseals,bushesandbearings.

PROPSHAFT: Universaljointsandcouplings.

TORQUE CONVERTER: Failure of any internal mechanical PART(s).

CASINGS: IfanyofthecoveredPART(s)failandthisdamagesthecasings,thecasingswillalsobecovered.

WHEEL BEARINGS: FrontandRearDriveAxleWheelbearings,Bothfrontandrearwheelbearings.

ENGINE COOLING SYSTEM: Viscousfancoupling,waterpump,thermostathousing,thermostat,heatermatrix,Radiator,oilcooler.

WORKING MATERIALS: Oils,oilfilter,anti-freeze,workingmaterialsarecoveredonlyifitisessentialtoreplacethembecauseofthefailureofaPART(s) whichiscoveredunderthisPOLICY.

I have just purchased a policy online and would like to compliment you on the simplicity of your quote system.

B. March




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CLUTCH: Centreplate,pressureplate,releasebearing,oilcontamination[centreplateonly],masterandslavecylinders,labourcostsincluded.

FUEL SYSTEM [DIESEL AND PETROL]: Carburettors,mechanicalorelectricalfuelpumps,injectionpump,automaticchoke,liftpump,tanksenderunit.

BRAKES: Brakemastercylinder,Wheelcylinders,restrictorvalve,brakecaliperseals,Servo.

STEERING [INCL. POWER ASSISTED STEERING]: Steeringrackandpinion[notgaiters],steeringbox,idlerbox,powersteeringrackandpump,powersteeringreservoir.

ELECTRICAL SYSTEM: Startermotorandsolenoidincludingpre-engagementmechanismandbendixdrive,alternator,diodepack,coilvoltageregulator, indicatorrelay,frontwindscreenwiperandwashermotors,rearwindscreenwiperandwashermotors,windowandsunroof motors,indicatorflasherrelay,electricwindowswitches,sunroofswitch,centralisedlocking,heaterfanmotor,distributor,electronic ignitionamplifier,thermostatically-controlledradiatorfanmotor,hornandmulti-functionstalkswitch.

FRONT AND REAR SUSPENSION: Coilsprings,Hydrolasticdisplacersandhydropneumaticspheres,upperandlowerwishbones,ballandswiveljoints.

ENGINE MANAGEMENT (ECU): Engine electronic control unit.

FUEL INJECTION SYSTEMS: Throttlebody,airflowmeter,idlecontrolvalve,coldstartvalve,warmupregulator,overruncutoffvalve,throttlepotentiometer,fuel accumulator,pressureregulator,mapsensor[exceptinjectorsandheaterplugs].

FRONT WHEEL DRIVE: Driveshaftsincludingconstantvelocityjointsuniversaljointsandcouplings[notgaiters].

REAR-WHEEL DRIVE: Halfshafts,rear-wheelexternaldriveshaftsincludingconstantvelocityjoints,universaljointsandcouplings[notgaiters].

4.4 OPTIONAL SUPPLEMENTARY COVER

Designedtogiveflexibleappropriatecoverforeachpolicytype.Thesebenefitsapplyonlyifselectedby YOU and noted on the SCHEDULEandtheadditionalpremiumhasbeenpaidbyYOU.

4.4.1 TURBO CHARGER [FACTORY FITTED]: TheturbochargerunitiscoverediftheextrapremiumhasbeenpaidbyYOUandcoverisspecifiedonYOUR SCHEDULE.

4.4.2 FOUR WHEEL DRIVE: AllfourwheeldrivecomponentsarecoverediftheextrapremiumhasbeenpaidbyYOU andcoverisspecifiedonYOUR SCHEDULE.




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4.4.3 AIR CONDITIONING (FACTORY FITTED): TheairconditioningcompressorunitiscoverediftheextrapremiumhasbeenpaidbyYOUandcoverisspecifiedon YOUR SCHEDULE.

4.4.4 ANTI LOCKING BRAKE SYSTEM (ABS) (FACTORY FITTED): TheABSmodulatorandsensorswillbecoverediftheextrapremiumhasbeenpaidby YOUandcoverisspecifiedon YOUR SCHEDULE.

5: EXTRA BENEFITS INCLUDED IN YOU POLICY

Thebenefitsofreplacementcarhire,recovery,overnightaccommodationandrailfareexpensesapply toallpolicytype(s)intheeventofaBREAKDOWNresultinginavalidclaimandYOU are stranded with YOUR VEHICLE.ThebenefitwillconstitutepartofthetotalclaimandislimitedtotheCLAIM LIMIT as stated on the POLICY SCHEDULE. YOU mustobtaintelephonicapprovalfromtheADMINISTRATOR before YOUclaimuseoftheseExtraBenefitsandYOUwillneedtoprovidereceipts.Benefitsareinclusive ofVAT.

5.1 REPLACEMENT CAR HIRE WE willpayupto£30adaytowardsthecostofareplacementvehiclewhilstYOUR VEHICLEisbeingrepairedbutnotincludingfuel, insurance,motoringfinesandcongestioncharges.YOUareresponsibleforthefirst24hoursthatYOU cannot use YOUR own VEHICLE.Afterthisperiod,YOUcanclaimforareplacementvehicleforupto7daysandamaximumof£210.YOU cannot claimforreplacementcarhireinrespectofanylackofavailabilityofthecorrectpart(s),anydelayinpart(s)transportation,any delay the REPAIRERmayhaveincommencingrepairsincludinganytimewaitingfortheADMINISTRATORSindependentengineer (whenappointed)toattendandinspecttheVEHICLEoranydelayinfindingasuitableREPAIRER.

5.2 RECOVERY WEwillpayuptoamaximumof£100towardsthecostofrecovery(shownonareceiptfromaVATregisteredbreakdownrecovery company)totherepairinggarageifthe VEHICLEisimmobile,orifcontinueddrivingoftheVEHICLE could cause danger or further damage.ThisonlyappliesifYOUwerenotpreviouslycoveredbyanyotherrecoverymembershipservice.

5.3 OVERNIGHT ACCOMMODATION AND RAIL FARES WE willpayupto£60towardshotelexpensesorareturnrailticket.YOU cannot claim for the cost of meals and drinks.

ComplaintsHandledbythe Financial Ombudsman Service

If you feel we haven’t provided the service you expected, we do of course value the opportunity to put things right straight away. However, if you remain unhappywithourresponseordecision,youareentitledtocomplaintotheFinancialOmbudsmanService.Ifthishappens,wewillimmediatelyberequiredtomakeapayment,whetherornottheyupholdyourcomplaint.Theirdecisionisfinalandwemustabidebyit.

FINANCIALOMBUDSMAN

SERVICE




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6: COVER FOR WEAR AND TEAR INCLUDED

ThisPOLICYwillcoverYOUR VEHICLE against BREAKDOWN as a result of WEAR AND TEAR.

In certain circumstances this results in YOUR VEHICLE being in a better condition than it was before the BREAKDOWN.

Thetablebelowshowsthe EXCESSpayablebyYOU if YOUR VEHICLEhascoveredmorethan60,000miles sincethedateoffirstregistrationatpointofBREAKDOWN.

Up to 60,000 miles at point of BREAKDOWN 0% Up to 70,000 miles at point of BREAKDOWN 10% Up to 80,000 miles at point of BREAKDOWN 20% Up to 90,000 miles at point of BREAKDOWN 30% Up to 100,000 miles at point of BREAKDOWN 40% Over 100,000 miles at point of BREAKDOWN 50%

7: COVER INCLUDED WHEN USING YOUR VEHICLE ABROAD

ThisPOLICYisvalidforupto60daysperannum[prorata]for drivingintheRepublicofIrelandandmainlandEurope. Paymentswillbelimitedtothoselevelsoutlinedinthis POLICY. Thesebenefitswillnotbeprovidedifthefailureisnotcovered bythepolicytypeselectedbyYOU.

8: COVER PROVIDED FOR IMPORTED VEHICLES

ThisPOLICYprovidescoverfor“ParallelImport”vehicles(vehicles thathavebeenproducedforaEuropeanMemberStateandthat conformtoEuropeanWideTypeApproval).Coverisnotprovided by this POLICYfor“GreyImports”(avehiclethatdoesnotcomplywith EuropeanUnionvehicletypespecificationandwhichisimportedfrom outsidetheUK,usuallyJapan).




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9: FOUR WHEEL DRIVE (4x4) VEHICLES

AllfourwheeldrivecomponentsarecoverediftheextrapremiumhasbeenpaidbyYOUandcoveris specifiedonYOUR SCHEDULE. If YOUR VEHICLEisfourwheeldriveandYOUhavenotselectedtheFour WheelDriveoptionalsupplementarycoverandpaidtheextrapremiumthenthisPOLICYspecifically excludesanyPARTwhichalsohasacounterpartcomponentandisdifferenttothatofthestandard model and YOUwillnotbeentitledtoreceiveanindemnityinrespectthereof.

10: WHAT WE PAY FOR

Should a BREAKDOWN occur to PART(s)andavalidclaimisauthorised,Wewillpaytowardsthecostof PART(s)andlabourfortherepairorreplacementofPART(s)listedinthepolicytypeselectedbyYOU subject to the CLAIM LIMIT.

Please refer to YOUR SCHEDULEtoconfirmthepolicytypeandCLAIM LIMIT YOUhaveselectedandthe particularsectionwithinthisPOLICY detailing the PART(s)togetherwithanyOptionalSupplementary CoverYOU haveselected.

ThelabourcontentofanyclaimwillbecommensuratewiththelabourrateofOUR approvedREPAIRERS asstatedonthewebsiteandthestandardICME(InstituteofCharteredMechanicalEngineers)repair times. WE willauthoriseuptoareasonableREPAIRER’S retailpriceforPART(s).WE may insist that THE REPAIRER usesexchangedorreconditionedPART(s)toeffectarepair.

ThemaximumamountpayableperclaimwillbesubjecttotheCLAIM LIMITselected(lessanyapplicable EXCESS)andinaggregatethevalueoftheVEHICLE at time of claim.

If YOUareVATregisteredWE will not reimburse YOUinrespectoftheVATportionofanyclaim.

FCA Authorised and Regulated

Your Click4Warranty policy is an insurance contract and we are authorised and regulated by the FCA. Thismeans that, by law, ourwebsite and consultantsmust comply with the Financial Ombudsman Service requirement to provide accurateinformation.Againbylaw,ourpolicieshavetobedesigned,delivered,soldandhaveclaimsadministeredinwaysthatcomplywiththeFinancialConductAuthority’s(FCA)rules.WemustalsoreporttotheFCAonaregularbasisthroughouttheyearaboutourproducts,solvencyandservicelevels.

TheFinancialConductAuthorityistheindependentregulatorsetupbyGovernmenttolookafterthefinancialservicesindustryandprotectconsumers.

FCAAuthorised and Regulated




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11: WHAT THIS MECHANICAL BREAKDOWN INSURANCE DOES NOT COVER

ThisPOLICY specificallyexcludesthefollowingandYOU willnotbeentitledtoreceiveanindemnityin respectthereof:

11.1AnyclaimwhichisreportedtotheADMINISTRATORmorethan14daysaftertherelevantfaultisdiscovered.

11.2Thefirst£10ofanyclaim.

11.3 Diagnosis costs.

11.4 VEHICLEstructure(e.g.bodyworks,sills,sub-framemounts),paintwork,bodywork,hinges,catches,allglass,mirrors, dashboard,interiororexteriortrim,keylocks,airbagsandcontrolsystems,wheels,tyres,electricalwiring,burntoutvalves,cracked andpourusengineblockorcylinderhead,cylinderheadskimming,combustionchambercarbonbuildup,clutchfrictionmaterial, electricalconnectors,fuses,fuellinesandjoints,fueltank,hoses,shockabsorbers,partsnotfittedasstandardorequipmentnot approvedbythemanufacturer.

11.5AllAmerican,AustralianandCanadianvehicles(unlessbuiltfortheUKmarket),stretchedlimousines,AstonMartin,Bentley, Bristol,Bugatti,Caterham,Daimler12cylindermodels,DeTomaso,electricorhybridpoweredvehicles,Ferrari,FordCosworth, HondaNSX,Hummer,Jaguarvehiclesover4000cc,KitCars,Lamborghini,LanciaDeltaIntegrale/8.32,LCCRocket,MercedesAMG, Lotus,LPGpoweredvehicles,Marcos,Maserati,McLarenF1,Mitsubishi3000GT,Morgan,Nissan300ZX/Skyline,Noble,Panther, Porsche,RollsRoyce,MazdaRX7andRX8,SubaruWRX,TVR,Venturi,Westfield,anyVEHICLE5000ccorover.

11.6Vehicleswhichareownedtemporarily,permanentlyorinthecustodyorcontrolofabusinesssetuptosellorservice motorvehicles.

11.7ThesubjectingoftheVEHICLEtoaloadgreaterthanthatpermittedbythemanufacturer’srecommendations.

11.8 Vehiclesthatareorhavebeenusedforhireorreward,asataxi,selfdrivehire,byadrivingschool,commercialdelivery purposessuchasdespatchordeliverycourier;withacarryingcapacityexceeding35cwt,servicevehicles(police,ambulanceetc), usedforanykindofcompetitivepurposes,offroaduse,customisedorfittedwithequipmentnotapprovedbythemanufacturer.

11.9 AncillarycomponentsorequipmentnotlistedunderPART(s)coveredsection.

11.10 BREAKDOWN or damage to PART(s)(whetherinsuredornot)causedbyorarisingfromoverheating,corrosion,frost,water, freezingliquids,abuse,oxidisation,nothavingtheVEHICLEservicedinlinewiththeconditionsofthisPOLICY, not maintaining the VEHICLE as set out in the SERVICING HANDBOOK,blockages,buildupofcontaminants,sludgeorsilt,orotherforeignorwaste matterthathaspreventedthePART(s)fromworkingproperly,thegradualreductioninoperatingperformancecommensuratewith theageandmileagecoveredbytheVEHICLEincludingbutnotlimitedtothegraduallossofenginecompressionnecessitatingthe repairofvalvesorrings,gradualincreaseinoilconsumptionduetonormaloperatingfunctions.

11.11 Damage to an insured PART(s)causedbyBREAKDOWNofexcludedPART(s),anyformofconsequentiallosswhatsoever.




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11.12 Loss, destruction of or damage to any insured PART(s)orproperty(oranyloss,expenseorlegalliabilitythisleadsto)directly orindirectlycausedby,arisingfromorcontributedtobytheftorattemptedtheft;maliciousintentorvandalism,earthquake,fire, flood,frost,lightning,storm,waterdamage,anyexplosive,anycivilcommotion,hostilities(whetherwarbedeclaredornot),aircraft orotheraerialdevicesorarticlesdroppedtherefromoranyextremecause;sonicbooms;anynuclearwastefromtheburningof nuclearfuel;ionizingradiation,nuclearcomponent,nuclearradiation,theradioactivetoxicexplosiveorotherhazardousproperties ofanyexplosivenuclearassembly;self-ignition;confiscationordetentionbycustomsorotherofficialsorauthorities,lockout.

11.13RoutineadjustmentsandserviceitemsthathavenotsufferedaBREAKDOWN andaresimplyreplacedatthetimeofservice orMOTincludingbutnotlimitedtoairfilters,antifreeze,batteries,belts,brakediscsanddrums,brakepads,brakeshoes,bulbs, condenser,distributorcap,drums,exhaustsystemincludingcatalyticconverter,fanbelts,filterparts,fluids,high-tensionleads, points,rotorarm,sparkplugs,tyres,wiperbladesandanyotherpartslistedwithinthemanufacturer’svehicleSERVICING HANDBOOK.

11.14RepairingorreplacingPART(s)whichtheADMINISTRATOR believeswerefaultyorcouldhavebeenidentifiedbyasuitably qualifiedengineerasbeingfaultybeforethisPOLICY started.

11.15AnyclaimthatfallswithinthescopeofYOURRoadTrafficInsurance(motorinsurancepolicycoveringtheVEHICLE).

11.16 Investigatoryorremedialworkcommencedbeforeauthorisationby US.

11.17 BREAKDOWNordamagecausedbytheuseofincorrectfuel,oil,lubricant,coolantoranyotherfluid.

11.18 Lossordamagewherethemilometerhasbeentamperedwith,alteredordisconnected.

11.19Repair,replacement,loss,damageorliabilitycoveredbyanyotherwarranty,guaranteeorgoodwillsettlement,components subjecttorecallorrepairorreplacementbythemanufacturerorattributabletoamanufacturer’sdesigndefect.

11.20Anyexternaloilleaksotherthanthoseoilleaksthatarespecificallycovered.

11.21 Faults,alterations,repairs,modifications,replacements,damageorconsequentiallossarisingfrompoorworkmanship,faulty PART(s),errors,viruses,omissions,faultsinanyapplicationorsystemssoftwareduetothe VEHICLE’soperatingsystems’failureto recognise any date change.

11.22 Burntorworn-outclutchpartsandthebuild-upofcarbondeposits(includingburntorcarbonisedvalvesandremoving carbondeposits).

11.23 Anyliabilityfordeath,bodilyinjuryorlossofordamagetopropertyotherthantheinsuredcomponentsorlossofuseorany consequentiallossofwhatsoevernature.

11.24CostsincurredpriortoYOU being issued with a claims authorisation number.

11.25 ClaimsarisingduetononcompliancewithParagraph14.

11.26 If YOUmakeavalidclaimagainstthisPOLICY for BREAKDOWN of PART(s)listedunderenginemanagement(ecu),air conditioningandelectricalsystemwithin30daysof INCEPTION then YOUwillberequiredtopayanearlyclaimEXCESSof50%and the ADMINISTRATOR reservestherighttodirectorredirectaclaimtooneoftheirapprovedrepairersinorderforrepairstobe completed.ThisearlyclaimEXCESSdoesnotapplyafter30daysortoanyotherPART(s)coveredbythis POLICY.




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12: HOW TO MAKE A CLAIM

Claimsareprocessedentirelybyphone,ensuringafast,effectiveandsimpleclaimsprocedure.Wherever possible,toavoidYOURbeingoutofpocket,WE will settle authorised claims directly with the REPAIRER.

Please ensure YOUfollowtheclaimsprocedure,ifYOU do not, WEmaynotpayYOUR claim.

STEP ONE: NOTIFY US TelephonetheADMINISTRATOR on 0871 384 1168, the ADMINISTRATOR will make a note of YOURclaimandadviseYOU of the location of YOUR nearestapprovedREPAIRER.

IMPORTANT: In order for UStopaytheapprovedREPAIRER directly, YOU(nottheREPAIRER)mustnotifytheADMINISTRATOR of YOUR claim. ThismustbedonebeforeYOUgivepermissiontoa REPAIRERtocarryoutanyfaultfindingorremedialwork.Notificationfroma REPAIRERofapossibleclaimwillnotbeacceptedby US or the ADMINISTRATOR.

STEP TWO: CONTACT THE REPAIRER Book YOUR VEHICLE in with the REPAIRERandgiveYOURpermissiontocarryoutanyfaultfinding/diagnosisordismantling necessary.

STEP THREE: REPAIRER OBTAINS AUTHORITY Once YOUR VEHICLE, SCHEDULEandservicerecordshavebeenhandedtotheREPAIRER they will contact the ADMINISTRATOR to requestapprovalforrepairs.

STEP FOUR: AUTHORITY FOR CLAIM VALUE If YOURclaimisaccepted,anauthorisationnumberwillbeissuedtotheREPAIRERfortheamountthatwillbepaidunderthis POLICY. YOU areresponsibleforpayinganyamounttheREPAIRER chargesoverandabovetheauthorisedamount.

STEP FIVE: PAYMENT OF THE CLAIM Oncompletionoftherepairs,theREPAIRERmustsubmitaninvoicedirectlytotheADMINISTRATOR.Theinvoicemustclearlyshow theauthorisationnumbergiven,detailsofwhoWEshouldpayandcontainfulldetailsoftherepairs,includingdetailsofallPART(s) used,labourandVAT.The ADMINISTRATOR may also need to see YOURoriginalserviceinvoices. Theauthorisationnumberwillonlybeeffectivefor90daysfromthedateitwasissuedandnopaymentswillbemadeinrespectof theauthorisationnumberaftertheexpiryofthe90dayperiod.

TO ALLOW YOUR CLAIM TO BE DEALT WITH EFFICIENTLY PLEASE OBSERVE THE FOLLOWING POINTS. 1. Check YOURpolicytypecoversthePART(s)whichhavecaused the BREAKDOWN. 2. Call the ADMINISTRATORatthefirstopportunityifYOUbelieveYOU may need to make a claim. 3.DonotasktheREPAIRER to notify US or the ADMINISTRATOR of a claim, this must be done by YOUthepolicyholder. 4.Ifarepairisstartedwithoutanauthorisationnumberthecostswillbe YOURresponsibilityandwillautomaticallyinvalidateanyclaimunderthisPOLICY. 5. Please ensure YOUprovideYOUR SCHEDULEandservicerecordstotheREPAIRER.




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USE OF OWN REPAIRER If YOU choose to nominate YOUR own REPAIRER, YOU (not the REPAIRER) must notify the ADMINISTRATOR of YOUR claim. This must be done before YOU give permission to the REPAIRER to carry out any fault finding or remedial work. Neither the ADMINISTRATOR or US accept notification from a REPAIRER of a possible claim. YOU are required to ensure the REPAIRER is VAT registered and that they follow OUR claims procedures. WE will pay up to a reasonable REPAIRERS retail price for PART(s), up to the labour rate of OUR approved REPAIRERS as stated on the website and the standard ICME (Institute of Chartered Mechanical Engineers) repair times. Please note that YOU will need to pay for the repair and claim the cost back from the ADMINISTRATOR.

13: EMERGENCY REPAIRS

If YOUfindYOURSELFinthesituationofhavingtocarryoutrepairsinanemergencysituation,such as when YOUR VEHICLEisattendedtobytheAAorotherrecoveryorganisation,asaresultofa BREAKDOWNatatimewhentheclaimsofficeisclosed,thenYOUshould:

•RetainanypartsremovedfromYOUR VEHICLEforinspection •ObtainaVATreceiptfromtheREPAIRERdisplayingYOUR VEHICLESdetails,thedetailsoftherepair including the cost of any PART(s)andlabour,thetimeanddatetherepairwasdiagnosedand carried out. YOU should then contact the ADMINISTRATOR attheearliestopportunity.

14: INSPECTION BY INDEPENDENT ENGINEER

WEreservetherighttosubjecttheVEHICLE and or failed PART(s)toexpertassessmentbyan independentengineerbeforeWE authorises any claim. If WE do this, WEarenotresponsibleforanyloss arisingfromanypossibledelay.Ifarepairisstartedwithoutanauthorisationnumberthecostsofthe repairswillbeYOURresponsibilityandwillautomaticallyinvalidateanyclaimunderthisPOLICY. ShouldanindependentengineerbeunabletoidentifythefailedPART(s)and/orthecauseofand/or reason for the failure and where THE REPAIRER recommends that PART(s)arereplacedWE will only acceptandauthorisethecostofsuchrepairsafter:

a) suchrepairshavebeencarriedout;and b)aftersuchrepairsareprovedtohavebeensuccessful;and c) where more than one PARThasbeenreplaced

WEwillpayuptoareasonableREPAIRERSretailpriceforPART(s),uptothelabourrateoftheapproved REPAIRERasstatedontheClick4WarrantywebsiteandthestandardICME(InstituteofChartered MechanicalEngineer)repairtimes.PleasenotethatYOUwillneedtopayfortherepairandclaimthecost back from US.




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15: SERVICING YOUR VEHICLE

YOUarerequiredtoensureandmaintaintheservicingofYOUR VEHICLEbyaVAT-registeredgarage.

15.1 SERVICE REQUIREMENT: 15.1.1 FollowingtheservicescheduleasdefinedintheSERVICING HANDBOOK OR 15.1.2 Atintervalsof6monthsor6,000miles(whicheveristhesooner)

a)Changeengineoilandfilter. b)Checkoillevelsinthegearboxanddifferentialandtopupwherenecessary. c)Checkcoolantlevelandanti-freeze/inhibitorstrength.Topupwherenecessary. d)Checktimingbelt[iffitted]andrenewifnecessary. e)Brakefluidmustbereplacedinaccordancewiththemanufacturer’srecommendation.

15.2 SERVICE TIMING: Within21daysor500miles(whicheverissooner)oftheduetiming.

15.3 PROOF OF SERVICING: AcceptableproofofservicingiseithertheVEHICLES SERVICING HANDBOOK correctlystampedandcompletedbyaVATregistered garageorfullydetailedVATserviceinvoice(s)indicatingservicingdatesandmileages.

15.4 INCOMPLETE SERVICE HISTORY AT INCEPTION: IfincompleteornopreviousservicingdetailsareavailablefortheVEHICLE at INCEPTION of this POLICYthenaservice,inaccordance withservicestandardssetoutinthisPOLICY,mustbecarriedoutwithin21daysor500milesofINCEPTION(whicheverissooner).

15.5 FAILURE TO MEET THE SERVICE STANDARDS: FailuretomaintainandprovideproofthattheservicestandardshavebeenmetwillinvalidatethisPOLICY.

15.6 TIMING BELTS (OTHERWISE KNOWN AS CAMSHAFT DRIVE BELTS): If YOUR VEHICLEhasatimingbelt,pleasemakesurethatitisingoodconditionandthatitischeckedandchangedinlinewiththe manufacturer’srecommendations.Ifthetimingbeltbreaksitcancauseseriousandunnecessaryenginedamageandinconvenience. Noresponsibilitywillbeacceptedfordamagecaused.

16: YOUR CANCELLATION RIGHTS

IfhavingexaminedYOUR POLICY YOUdecidenottoproceedYOU have21daysinwhichtocanceland WEwillrefundanypremiumYOU havealreadypaidunlessYOUhavealreadysubmittedaclaimon this POLICY.

YOURcancellationrequestmustbereceivedinwritingwithin21daysbyemailtoemail@click4group.co.uk orbyfax020 8542 2381.




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16.1 RIGHT OF WITHDRAWAL FROM MONTHLY PAYMENTS. Withdrawalfrommonthlypaymentsdoesnotmeanyouhavecancelledyourpolicy. Youhavetherighttowithdrawfrommonthlypaymentsbypayinganyoutstandingbalanceofthepolicypremiuminfull.Toexercise thisrightpleasecontactClick4WarrantyT02088193424email:click4group.co.uk.Paymentmustbebydebitorcreditcardover

thephone.

16.2 IF YOU MISS A MONTHLY PAYMENT Missingmonthlypaymentsdoesnotmeanyouhavecancelledyourpolicy. Ifwehavebeenunabletocollectyourpremiumonthedateitisdue,yourpolicywillcontinueandwewillwritetoyouinordertogive youtheopportunitytomakethepayment. Yourpolicywillnotpaytowardthecostsofrepairsfollowingbreakdownofpartslistedunderthepolicytypeselectedbyyouthatoccur afteranyunpaidmonthlypaymentwasdueandbeforethemonthlypaymentispaid.Inadditionyouwillbecharged:£20.00eachtime arequestisreturnedunpaid;andallreasonablecosts,chargesandexpenses(togetherwithalllegalcostsrecoverableagainstyou) incurred by Click4Warranty enforcing our rights. Ifthepremiumremainsunpaidbythedatewesetoutinourletter,wewillgiveyou14days’noticethatwewillcancelyourpolicy. Ifyourpolicyiscancelledfornon-paymentofpremium,thebalanceofthefullpremiumwillbecomepayableplusallreasonablecosts, chargesandexpenses(togetherwithalllegalcostsrecoverableagainstyou)incurredbyClick4Warrantyenforcingourrights.

17: CANCELLATION

TheINSURER isnotboundtoacceptYOUR SCHEDULE and may at any time cancel YOUR POLICY by sending 14 days notice to YOU at YOUR lastknownaddress.ProvidedthatthepremiumhasbeenpaidinfullYOU areentitledtoaproportionaterebateofpremiuminrespectoftheunexpiredPERIOD OF COVER.

18: DUTY OF CARE

WEwillnotpayforrepairsthatarenecessarybecauseYOU havenotlookedafterYOUR VEHICLEproperly. DonotcontinuetodriveifYOUR VEHICLE is faulty, YOU should do all YOU reasonablycantoprotectYOUR VEHICLE from further damage.

19: NON-DISCLOSURE OF FACTS

YOUshoulddeclareallmaterialfactsthatmayaffectOURdecisiontoacceptYOUR VEHICLEforcover. If YOU are in any doubt about what was material then YOU should declare it. Failure to disclose the correct information at the time YOUappliedforcovermayinvalidateYOUR POLICY and may be considered fraudulent.

20: CONTRIBUTION APPLIED IF COVERED BY OTHER INSURANCE

IfattheoccurrenceofaclaimthereexistsanyotherinsuranceorwarrantyentitlingYOU to indemnity then this POLICYshallonlycontributeitsrateableproportionofsuchloss.




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21: THE LAW APPLICABLE TO THIS POLICY

YOUarefreetochoosethelawapplicabletothisPOLICY. Unless YOU and WE haveagreedotherwise YOUR POLICYwillbegovernedbythelawofEnglandandWales.

22: INSURERS’ RIGHTS

Itisexpresslyagreedanddeclaredthatthe INSURER shall be released from all liability and obligation should the conditions of this POLICYnotbefullycompliedwithbyYOU.Ifafalseand/ordishoneststatement or claim is made by YOU, YOUR POLICYwillbecancelledandnorefundofpremiumorclaimsettlementwill bemade.IntheeventofaclaimandliabilityhavingbeenrejectedbytheINSURER, the INSURER shall not beliableforthisclaimaftertheexpiryof3monthsfromthedateofrejectionunlesswithinthattimethe claim is subject to arbitration.

23: ARBITRATION

If the INSURERacceptsthatthereisaclaimunderYOUR POLICYbutthereisadisagreementinrespectof theamounttobepaid,thedisagreementwillbereferredtoanArbitratorappointedinaccordancewith currentstatutoryprovisions.InthesecircumstancestheArbitrator’sawardmustbemadebeforethereis any right of action against the INSURER.

24: RENEWAL

If the INSURER agrees, YOUwillbeofferedthechancetorenewthisPOLICY.

25: TRANSFERRING THE POLICY

Selling YOUR car with this POLICYmayassistinitssale.TorequestatransferofYOUR POLICY contact the ADMINISTRATOR, subject to OUR expresspriorapprovalandinOURabsolutediscretionandprovidingno claimshavebeenmadeorattemptedtobemadeagainstYOUR POLICY, the balance of YOUR POLICY may betransferredtoanewprivateowner.Therewillbeafeeof£25.00asacontributiontowardsthecostsof transferring YOUR POLICY. YOUR POLICY may not be transferred if YOUR VEHICLE is sold to a motor dealer or trader and will be automatically cancelled on such a sale.

26: COMPENSATION SCHEME

If the INSURER cannot meet their obligations YOUR POLICYiscoveredbytheFinancialServices CompensationScheme(FSCS).YOUcangetmoreinformationaboutthecompensationscheme arrangements from the Initial Disclosure Document.




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27: OUR PROMISE OF GOOD SERVICE

WEhaveappointedAutoprotect(MBI)LimitedtodealwithalladministrativemattersrelatingtothisPOLICY. It is OURintentiontogiveYOU thebestpossibleservicebutifYOUdohavequestionsorconcernsabout YOUR POLICYorthehandlingofaclaimpleasecontact:

Autoprotect (MBI) Limited Warwick House, Roydon Road, Harlow, Essex CM19 5DY T: 0208 819 3424 F: 01279 457910

IntheeventYOUremaindissatisfied,pleasecontact:

Customer Care, Red Sands Insurance Company (Europe) Limited Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar T: +350 216 50000 E: [email protected]

Ifitisimpossibletoreachanagreement,YOUhavetherighttoappealto:

Financial Ombudsman Service Exchange Tower, London E14 9SR Tel. 0845 080 1800

ThisdoesnotaffectYOUR statutoryrights.PleasequoteYOUR POLICYnumberinallcorrespondence.

Mechanical Breakdown Insurance Policy SummaryDriving your car warranty further.

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Having just generated a Click4Warranty quote, I am very impressed at the level of cover, and clear precise website.

H. Forwood


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POLICY SUMMARY

ThispolicysummaryprovidessomeimportantfactsaboutClick4WarrantyMechanicalBreakdown Insurance.ForfulldetailsofallyourPolicybenefitsandthecompletetermsandconditionspleaserefer tothePolicyTerms&Conditions.Thesecanbeviewedonlineandacopywillbeprovidedbyemailafter yourpolicyistakenout.Youhave21daystodecideifyouwishtocancelthepolicyandreceiveafull refund.

WHAT MAKES US SO UNIQUE?

Onestepquoteprocess,noneedtoregister CoveragainstbreakdownduetoWEAR & TEAR included as standard. NoServiceHistoryrequiredatstartofpolicy 21 day money back guarantee Upto£7,000claimvalueperbreakdown Coverfromdayone

WHAT IS MECHANICAL BREAKDOWN INSURANCE?

Click4WarrantyMechanicalBreakdownInsuranceisdesignedtopaytowardsthecostsofpartsandlabour forrepairsfollowingthebreakdownofaninsuredpart.

WHAT IS A CLAIM LIMIT?

Thisisthemaximumamountpayableoneachandeveryclaim.Threeclaimvaluesareavailableforall policytypes; £3,000 £5,000 £7,000


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WHAT IS A POLICY TYPE?

WeofferoneMechanicalBreakdownInsurancePolicy,withoneclearsetoftermsandbenefits.It’sjust partofourcommitmenttoprovidingasimplesolutiontowarrantyrequirements.Thestarrating indicatestheextentofpartsthatareinsured:

3 STAR POLICY Affordableprotectionthatpaystowardthecostofpartsandlabourforrepairorreplacementofthemost essentialcarcomponents.

4 STAR POLICY Extensiveaffordablecoverthatpaystowardthecostofpartsandlabourforrepairorreplacementof everythinglistedin3Starplusanadditionalwideranginglistofuniversalcarcomponents.

5 STAR POLICY Providescoverthatpaystowardthecostofpartsandlabourforrepairorreplacementofallpartslistedin 3and4Starplusanadditionalcomprehensivelistthatensurestheultimateinpeaceofmindfortodays motorist.Designedtohelpwithbillswhicharisewhenmostmechanicalorelectricalfaultsthatrequire expertrepair.

WHAT IS A POLICY SCHEDULE?

YourScheduleshowsyourdetailsassubmittedbyyouandthepolicytype(insuredparts),datethepolicy waspurchased,claimlimit,termandoptionalsupplementarycoveryouhavechosen.

ELIGIBILITY

ThisClick4warrantypolicyissuitablefor: Newandusedvehicles Vehiclespurchasedprivatelyorthroughatradeentityirrespectiveofhowlongagoyoupurchased Under contract hire or any style of leasing agreement

Yourvehicleiseligibleforthiscoverifatthestartofthepolicy: It is under 12 years old Ithascoveredlessthan150,000miles Ithasfull,partialornoservicehistory


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SIGNIFICANT FEATURES AND BENEFITS

Paystowardsthecostsofpartsandlabourforrepairsfollowingthebreakdownofaninsuredpart.

CoveragainstbreakdownduetoWEAR&TEARincludedasstandard “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.

Noincreaseinpremiumforhighmileagecars 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 if your car has covered more than 60,000 miles. 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!

Onepolicy,3levelsofcover Click4warranty offer just one warranty policy, with one clear set of terms and conditions. It’s all part of our commitment to providing you with a simple solution to your warranty requirements. The star rating indicates the extent of parts that are insured.

Partsandlabourcovered 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.

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


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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 miles.

Claimshandledoverthephone To keep the process quick and simple claims are processed over the phone, simply call us on 0208 819 3424.

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

VehicleRecoveryincluded Up to £100 towards the cost of recovery to the repairing garage.

ReplacementCarHireincluded Up to £30 a day towards the cost of a replacement vehicle while your car is being repaired.

Overnightaccommodationandrailfaresincluded Up to £60 towards hotel expenses or a return rail ticket.

EuropeanCoverincluded Up to 60 days cover for driving in the Republic of Ireland and mainland Europe.

ClearanddefinitiveTerms&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.

Covermaybetransferredtonewprivateowner 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).

“It is good to know that when problems are encountered that there is someone who will swiftly endeavour to resolve them.

A. Wilbrew


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WHAT’S NOT COVERED

SignificantExclusions Breakdownordamagecausedbyoverheating,corrosion,frost,theuseofincorrectfuel,oil,lubricant or coolant. Routineadjustmentsandserviceitems Wherethevehicleisnotservicedinlinewiththeconditionsofthispolicy Anyformofconsequentiallosswhatsoever Costsincurredpriortousissuingyouwithaclaimsauthorisationnumber Preexistingfaults VATcontentofanyclaimwheretheinsuredisVATregistered Excludedvehicles,including(butnotlimitedto)LPG,electricorhybridpoweredvehicles;Daimler12 cylindermodels;HondaNSX;Hummer,Jaguarvehiclesover4000cc;MercedesAMG;Mitsubishi3000 GT;Nissan300ZX/Skyline;Porsche;MazdaRX7andRX8;SubaruWRX(pleaseseetermsandconditions forfulllist) Vehiclesthatareorhavebeenusedforhireorreward,asataxi,selfdrivehire,byadrivingschool, commercialdeliverypurposes,customisedorfittedwithequipmentnotapprovedbythe manufacturer. Anyclaimthat’sreportedtousmorethan14daysaftertherelevantfaultisdiscovered Anyclaimthatfallswithinthescopeofyourroadtrafficinsurance(motorinsurance) Thefirst£10ofanyclaim Ifyoumakeaclaimforbreakdownofpartslistedunderenginemanagement(ecu),airconditioning andelectricalsystemwithin30daysofthestartofthepolicy,thereisanearlyclaimexcessof50%and theadministratormayrequiretheworktobecarriedoutbytheirapprovedrepairers.Thisearlyclaim excessdoesn’tapplyafter30daysortoanyotherparts. Ifyourcarhascoveredmorethan60,000miles,thereisacontributionfor“betterment”intheeventof a claim.

IMPORTANT NOTES

Your Right of Cancellation Youhave21daysfromthedateyoupurchasedthepolicytocanceland,aslongasyouhaven’t submittedaclaim,wewillrefundthepremiuminfull.


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PAY MONTHLY

Youcanconvenientlyspreadthebalanceofyourpremiumover9payments.Eachmonthlypayment willbeappliedtothecredit/debitcardusedtopayyourdepositandwillincludeasmalltransactionfee. Eachmonthlypaymentwillbedeductedfromyourassignedcardonthe1stdayofthemonthstartingthe 1stdayofthemonthfollowingthedatethepolicywaspurchased.Youdonotneedtoschedulepayment, planpaymentsormakeamanualpaymentonthepaymentdate.

Pleasenote,ifapaymentisnotreceived,yourpolicywillnotpaytowardthecostsofrepairsfollowing breakdownofpartslistedunderthepolicytypeselectedbyyouthatoccurafteranyunpaidmonthly paymentwasdueandbeforethemonthlypaymentispaidandmayultimatelyresultincancellationof yourpolicy.However,youcanwithdrawfrommonthlypaymentsbypayinganybalanceowinginfull, simplycontactusandwecanarrangepaymentbydebitorcreditcardoverthephone. Ifyourpolicyiscancelledfornon-paymentofpremium,thebalanceofthefullpremiumwillbecome payableplusallreasonablecosts.

CLAIMS UNDER THE POLICY

Click4warrantyclaimsareprocessedentirelybyphone(02088193424),ensuringafast,effectiveand simpleclaimsprocedure.Whereverpossible,toavoidyourbeingoutofpocket,wewillsettleauthorised claimsdirectlywiththerepairer.

Toallowustodealwithyourclaimefficientlypleaseobservethefollowing: 1. Checkyourpolicytypecoversthepart(s)whichhavecaused the breakdown. 2. Call02088193424atthefirstopportunityifyoubelieve you may need to make a claim. 3. Donotasktherepairertonotifyusofaclaim,this mustbedonebyyouthepolicyholder. 4. Ifarepairisstartedwithoutanauthorisationnumber fromusthecostswillbeyourresponsibilityandwill automaticallyinvalidateanyclaimunderthispolicy. 5. Pleaseensureyouprovideyourscheduleandservice recordstotherepairinggarage.

Detailsofthefullclaimsprocedureisshownonsection12ofthepolicy.

0208 819 34240208 819 3424


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CLICK WARRANTY



IF YOU HAVE A PROBLEM

Ouraimistoprovidethehighestlevelofservicetoyouatalltimesindealingwithallaspectsofyour insurance.Ifyoufeelwehavenotachievedouraim,pleaseinformus.Yourfeedbackenablesusto monitorandimprovetheserviceweprovide. Inthefirstinstance,pleasecontacttheAdministrator08713841168 IfyouwouldliketocontacttheInsurerdirectlypleasewritetotheCustomerCare,RedSandsInsurance Company(Europe)Limited,Level3,OceanVillageBusinessCentre,23OceanVillagePromenade,Gibraltar, Tel:+35021650000,E-mail:[email protected] Shouldyouremaindissatisfied,youhavetherighttoasktheFinancialOmbudsmanService(0845080 1800)toreviewyourcase.

COMPENSATION SCHEME

IftheInsurercannotmeettheirobligationsyourpolicyiscoveredbytheFinancialServicesCompensation Scheme(FSCS).YoucangetmoreinformationusorfromtheFinancialServicesCompensationScheme Tel:02078927300

CLAIMS UNDER THE POLICY

Click4warrantyclaimsareprocessedentirelybyphone(02088193424),ensuringafast,effectiveand simpleclaimsprocedure.Whereverpossible,toavoidyourbeingoutofpocket,wewillsettleauthorised claimsdirectlywiththerepairer.

WHY WE COST LESS

You’rebuyingdirect... No salesman commission Nodealeradd-ons Noshowroomoverheads

CONTACT US

Click4Warranty is an online business based in Leatherhead, Surrey. RiverbridgeHouse,GuildfordRoad,Leatherhead,SurreyKT229AD.E-mail:[email protected]

IMPORTANT NOTICE

Please note that an Insurance Summary does not contain the full terms and conditions of the Insurance product.Forfulldetailsofallyourpolicybenefitsandthecompletetermsandconditionspleasereferto thePolicyTerms&ConditionsandyourPolicySchedule.

Theinternetlowerscosts...HighsalesvolumemeanslowerpricesNowyoucanbypassthedealerandsave

driving your car warranty further. · mechanical breakdown insurance policy driving your car...

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