I Policy Document
sales: 0800 169 7880
claims: 0845 293 2570
Warrantywise is a trade mark of Warranty Wise Insurance Services. All covers underwritten Warrantywise is
at Lloyd’s of London Any figures quoted are including VAT and/or IPT at the appropriate rate. Authorised and Regulated
The ‘UK’s Best Car Warranty’ is an opinion held by Quentin Willson. Pictures and diagrams by the Financial Services
for illustration only. Authority. Quentin Willson
A Warranty Without
Designing the UK’s Best Used Car Warranty has been Contents
quite a challenge.
Key Facts 3
For years I have been saying that used car warranties Complaints 4
aren’t worth the paper they’re printed on, well here’s my What is Insured 5
Policy Additions 6
chance to change all that...
Out of Pocket Expenses 11
I am working constantly with Warrantywise and Lloyd’s Servicing Your Vehicle 12
of London to implement changes and make How to Make a Claim 13
improvements, if there is anything that You are unhappy General Conditions 15
about or if You believe something is unclear or even Transfers 15
unfair, then please contact me directly. Cancellations 15
What this Insurance Does Not Cover 17
Policy of Insurance 21
contact: firstname.lastname@example.org Quentin’s Check List 22
CANCELLATION HOW TO CONTACT US AND HOW TO
If having applied to Us for cover You decide that You MAKE A COMPLAINT
do not want this insurance, simply return this Policy, 1 Firstly, if You have any questions please contact
Your Proposal and Policy Schedule together with Your Warrantywise by telephoning 0800 169 7880 (or) if
request in writing (by Special or Recorded Delivery) You have a complaint by writing to the Customer
to reach Us within 30 days of the Policy Start Date Services Manager, Warrantywise Insurance
and Services at Ribble Court, 1 Mead Way, Shuttleworth
(i) providing You have not made any valid claim, all Mead Business Park, Padiham, BB12 7NG.
cover will be cancelled and Your premium 2 Secondly, if You are still not completely satisfied
refunded in full without any deduction You can write to the Lloyd’s Syndicate Underwriter
at: Complaints Department, Jubilee Managing
These are the Key Facts that the Financial Services (ii) in such circumstances where You have attempted
to make a claim, all cover will be cancelled and Agency, Fourth Floor, 50 Fenchurch Street,
London, EC3M 3JY.
Authority (FSA) who regulate the insurance industry, Your premium refunded less the Cancellation Fee
3 Then, if, for any reason Your complaint has not
(iii) in all other circumstances cancellation is without
requires that We bring to Your attention. refund. been addressed to Your complete satisfaction You
can write to: Policyholder and Market Assistance,
OUR ACCEPTANCE Lloyd’s Market Services, Lloyd’s of London,
One Lime Street, London EC3M 7HA.
These facts are not the full terms and conditions, they • No mileage limits, so You won’t run out of cover at Once We have received Your signed proposal We will
are in the Policy document, but are a way in which a future point in time. issue You with a Policy Schedule, this confirms Our 4 Lastly, should You still remain dissatisfied You have
You can compare insurances quickly from one acceptance of Your Policy on risk. The Insurers the right to ask the Financial Ombudsman Service
• No ‘Weasel Words’ (Quentin Willson’s phrase). to review Your complaint. The right to apply to the
company to another and decide if Our services are reserve the right not to accept Your proposal and to
We don’t include any Excess or exclude claims due Ombudsman must be exercised within six months
right for You, they should provide an accurate cancel Your insurance forthwith without the issue of a
to Betterment, Consequential Damage or for Failure of the date of any previous decision. Please write
summary but do not form any part of a contract of Policy Schedule and to return to You any premiums
due to Prematurely Worn Parts. to: The Financial Ombudsman Service, South
insurance. paid without any deduction.
Quay Plaza, 183 Marsh Wall, London E14 9SR.
WARRANTYWISE – THE UK’S BEST HOW LONG COVER LASTS 5 At any time You can contact Quentin Willson via
USED CAR WARRANTY? Your Vehicle must have a current MOT and must be email at: Quentinwillson@warrantywise.co.uk
Your cover will commence on the Policy Start Date
serviced by a VAT registered garage as recommended
This warranty is offered by Warranty Wise Insurance and will continue for the Period of Insurance
by the manufacturer. WHO REGULATES US
Services. Quentin Willson, who has been confirmed in the Policy Schedule up to a maximum of
instrumental in its design, believes it to be the UK’s three years without mileage limitation. Warrantywise operate insurance services as a
SIGNIFICANT EXCLUSIONS AND LIMITATIONS
Best Used Car Warranty. It will pay towards the costs Coverholder at Lloyd’s of London and are authorised
Warrantywise aim to provide You with the highest HOW TO RENEW and regulated by the Financial Services Authority
of Parts and Labour garage repairs following a Failure
Level of Cover, however there are some things this (FSA). Our FSA registered number is 300482.
of an insured part of Your Vehicle. Provided the We will write to You on or before the date of expiry of
insurance may not provide. Importantly these You can check the FSA Register at
appropriate premium has been paid this insurance Your Policy advising whether or not the Insurers will
Exclusions and Limitations are: www.fsa.gov.uk/register or by telephoning the FSA on
may be extended to include other applicable benefits offer You beneficial renewal terms.
(Policy Additions) details of which are to be found • Damage to bodywork, paintwork, windscreen, 0845 606 1234.
within the Policy and at www.warrantywise.co.uk interior and exterior trim including carpets and seat HOW YOU CAN MAKE A CLAIM
coverings etc. FINANCIAL SERVICES COMPENSATION SCHEME
If you need to make a claim simply ring Our claims
SIGNIFICANT FEATURES AND BENEFITS • Any consumable items replaced during the office on: 0845 293 2570 and follow the claims You are protected under the Financial Services
Cover is for ‘All’ Mechanical and ‘All’ Electrical Parts recommended servicing of Your Vehicle such as: procedure outlined within the Policy. Compensation Scheme. If the Insurers become
of Your Vehicle, there is no limited list of Parts. spark plugs, oils, fluids, filters, brake pads etc insolvent or are unable to meet their obligations, the
• Immediate cover, valid claims paid right from day (unless required in order to complete a valid claim). THE INSURERS scheme will cover 100% of Your insured benefits up
one of Policy. • Parts that have not suffered any Failure. We only offer insurances underwritten 100% by to £2,000 and 90% of the remainder of any claim,
certain Lloyd’s syndicates managed by Jubilee without any upper limit.
• Repairs at any VAT registered garage, including • Wear and Tear (generally) and the premature
Your local garage or main dealer. Failure of Worn Parts where Our additional cover Managing Agency Limited.
YOUR DEMANDS AND NEEDS
• Car hire, recovery, hotel and travel expenses are against such Failure has not been included.
ADVICE It is important that You read Our Information leaflet or
included together with 90 days European cover. • Faults which were present with the vehicle prior to booklet (supplied with Your quotation) or the details
the Policy Start Date. Warrantywise operate a non-advisory service and do
• No reduction in claims limits due to the depreciation not recommend any particular Policy of insurance or provided on Our website at: www.warrantywise.co.uk
in the value of Your Vehicle, We set the Sum • Faults caused due to a lack of correct servicing, any Policy Addition or course of action to You. and read the Policy document and then make Your
Insured to equal the value of Your Vehicle at the neglect or accidental damage. own choice of insurance together with any Policy
start of the Policy, which remains constant • Claims in excess of the Sum Insured. FEES options or additions that You may require as a Vehicle
throughout the Policy term. owner who demands to ensure that Your Vehicle
• If You are paying Us monthly, We reserve the right We will not charge You any fee for providing You with warranty needs are fully met, both now and in the
to contra any validated claim payments against the details or information about the insurances We offer. foreseeable future in line with the period of cover
first six month’s payments. available and extent of insurance available from
Exclusions: Any Part of any Assembly or Policy
What is Insured Addition will be excluded from the Level of Cover Policy Additions
This Insurance will pay towards the Repair Cost unless that particular Assembly or Policy Addition is In order to enhance the cover provided and maintain
following a Failure of Your Vehicle within the included as a part of Your Policy and You have paid the claim that this is the UK's Best Used Car
Geographical Limits, during the Period of Insurance, the appropriate premium (see Your Policy Schedule Warranty, We have made available the following
subject to the Conditions and Exclusions herein (as for details). Policy Additions.
defined). Note: For a full list of exclusions please see: What
this Insurance Does NOT cover. 1. AIR BAG SYSTEM
PARTS COVERED 2. ALLOY WHEELS
This insurance is designed to cover ‘all’ mechanical YOUR ATTENTION IS DRAWN TO THE
FOLLOWING 3. CATALYTIC CONVERTER
and ‘all’ electrical Parts of Your Vehicle. For Your
convenience We have broken down Your Vehicle's Engine: The Failure of cylinder head gaskets and 4. FAILURE DUE TO PREMATURE WEAR
Parts into named Assemblies. All Parts, integral and camshaft belts are included. 5. INCORRECT FUELLING
attached to each of the Assemblies and all Parts Cooling: The Failure of the radiator plus top and 6. KEYS and LOCKS
directly associated with the Assembly's function are bottom hoses are included. 7. LABOUR RATES Claim Limit: This Policy Addition is subject to a
Gearbox and Transmission: Casings are included. 8. MOT FAILURE claims limit of £500, including VAT, per claim (or any
Assemblies - Included in all Policies: Betterment: This insurance makes no deductions 9. RADIO, CD/DVD and SATELLITE other amount specifically noted on Your Policy
towards betterment. NAVIGATION Schedule).
Consequential Damage to Parts: This insurance 10. TYRES Excess: Nil, unless You have selected a voluntary
• Gearbox and Transmission.
covers Consequential Damage where the Failure of a Excess which will be shown on Your Policy Schedule.
• Clutch. Part, which has been excluded from the Level of Exclusions: This Policy Addition does not provide for
• Drive Train. Cover, causes the Failure of a Part which is included WHAT IS INSURED the replacement of any Part of the air bag system
• Running Gear. within the Level of Cover. If You have selected one or more of the following where replacement is necessary due to impact,
Parts Replaced in Pairs: This insurance also covers Policy Additions (if available as a part of Your Policy) shock, accidental damage or the replacement of the
You may choose to exclude any of the following the following Parts, recommended by the and You have paid the additional premium (see Your air bag itself nor the air bag detonator unit or under
Assemblies: manufacturer to be replaced in pairs as good Policy Schedule for inclusion) You will be entitled to any circumstances where deployment of the air bag
• Steering and Suspension. engineering practice, when only one Part has suffered the additional cover, subject to the Conditions as set has previously taken place.
a Failure - these include; brake discs, brake drums, out herein. Note: For a full list of exclusions please see: What
• Braking System.
road springs, shock absorbers. this Insurance Does NOT cover.
• Fuel System LATER INCLUSION
Claim Limit: You are Indemnified against reasonable
• Cooling and Heating System. Repair Costs up to the Single Claim Limit and within Provided You have not made, or attempted to make
the Sum Insured (including VAT). any claim, You can choose to include any of the 2. ALLOY WHEELS
• Air Conditioning System.
applicable Policy Additions after the Policy Start Date WHAT IS INSURED
• Electrical Systems and Instruments. No Excess: There is no main Policy Excess but if
at any time within the first 30 days of this Policy,
You have decided to include a voluntary Excess with This Policy Addition covers You against the cost of
• Oil Seals. however no claims will be authorised against such
Your Policy this will be shown in Your Policy Schedule repairing or replacing Alloy Wheels that have suffered
Policy Additions during the first 30 days or 1,000
together with Your reduced premium. accidental rim damage (kerbed) including the
miles after such inclusion, whichever occurs first.
reasonable costs of fitting and balancing of the wheel
IMPORTANT during normal everyday on the road driving, rendering
No Part of any Policy Addition will be included within the wheel un-roadworthy.
the Level of Cover unless You have selected that IMPORTANT
particular Policy Addition as a part of Your Policy and We reserve the right to specify the use of a similar
paid the appropriate additional premium (see Your (like for like) replacement wheel with regard to the
Policy Schedule). make and specification of Your wheel(s) before the
Note: For a full list of exclusions please see: What
this Insurance Does NOT cover.
1. AIR BAG SYSTEM
WHAT IS INSURED
This Policy Addition covers You against the Repair
Cost of any Part of the Vehicle's air bag system due
to the Failure of a Part causing the activation of the
air bag warning system where a Part of the air bag
system is found to be no longer serviceable using
diagnostic equipment and/or diagnostic techniques
recommended by the Vehicle manufacturer.
damage. Photographic evidence may be required in Claim Limit: This Policy Addition is subject to a Claim Limit: This Policy Addition is subject to a 7. LABOUR RATES
support of a claim. Any suspected criminal damage claims limit of £500 per claim, including VAT (or any claims limit of £500, including VAT (or any higher or
WHAT IS INSURED
to wheels should be reported to the police (within other amount specifically noted on Your Policy lower amount noted on Your Policy Schedule).
48 hours) and a Police Crime Reference number Schedule). This Policy Addition covers You against the charges
Excess: Nil, unless You have selected a voluntary
obtained which will be required before any valid claim Excess: Nil, unless You have selected a voluntary for a Repairer's hourly Labour, in excess of the
Excess which will be shown on Your Policy Schedule.
can be authorised. Excess which will be shown on Your Schedule. minimum £35.00 per hour, including VAT, up to the
Exclusions: This insurance does not extend to Labour rate selected by You as shown on Your Policy
Claim Limit: This Policy Addition is subject to a claim Exclusions: Accidental damage, or corrosion or include the repair or replacement cost of any other Schedule.
limit of £1,000, including VAT, at the maximum rate of degrading of the CAT or DPF casing or a soot Part(s) damaged by using incorrect fuel nor does it
blockage of the DPF. IMPORTANT
£250 per alloy wheel, including VAT (or any other include the cost of disposed fuel or the cost of
In the event of a valid claim being authorised, unless
amount specifically noted on Your Policy Schedule). Note: For a full list of exclusions please see: What re-fuelling.
You have purchased this Policy Addition, this
Excess: Nil, unless You have selected a voluntary this Insurance Does NOT cover. Note: For a full list of exclusions please see: What insurance will pay towards the cost of a Repairer's
Excess which will be shown on Your Policy Schedule. this Insurance Does NOT cover. Labour at the basic rate of £35.00 per hour, including
Exclusions: Space saver wheels. Wheels damaged VAT.
4. FAILURE DUE TO PREMATURE WEAR
due to off-road use, racing or rallying or wheels which 6. KEYS AND LOCKS Note: It is important that You consider carefully the
WHAT IS INSURED
are corroded or porous, damage to stud holes and adequacy of the hourly Labour rate that You may
cosmetic damage. This Policy Addition covers You against the cost of WHAT IS INSURED have decided to include within Your Policy as We will
repairing or replacing parts that suffer a Failure due to This Policy Addition covers You against the not pay any more than the rate selected, including
Note: For a full list of exclusions please see: What
Premature Wear. reasonable cost of repairing or replacing Your VAT. If a Repairer charges a higher rate than the level
this Insurance Does NOT cover.
Claim Limit: This Policy Addition is subject to the Vehicle's ignition and door keys or locks that have You have selected You will be responsible for the
Single Claim Limit. suffered a Failure, been lost or stolen or suffered difference.
3. CATALYTIC CONVERTER OR DIESEL criminal damage. Claim Limit: Single Claim Limit.
Excess: Nil, unless You have selected a voluntary
PARTICULATE FILTER Excess which will be shown on Your Policy Schedule. IMPORTANT Excess: Nil, unless You have selected a voluntary
Any suspected theft or criminal damage should be Excess which will be shown on Your Policy Schedule.
WHAT IS INSURED Exclusions: Parts which are simply worn out and
reported to the police (within 48 hours) and a Police
This Policy Addition covers You against the cost of have not suffered a Failure. Note: For a full list of exclusions please see: What
Crime Reference number obtained which will be
repairing or replacing the Vehicle's catalytic converter Note: For a full list of exclusions please see: What required before any valid claim can be authorised. this Insurance Does NOT cover.
or diesel particulate filter (CAT or DPF) following the this Insurance Does NOT cover. Photographic evidence may be required in support of
exhaust gas failing to meet the relevant in-service a criminal damage claim. 8. MOT FAILURE
manufacturer's emissions standards or MOT Claims Limit: This Policy Addition is subject to a WHAT IS INSURED
emissions test, subject to:
5. INCORRECT FUELLING
claim limit of £500, including VAT (or any higher or This Policy Addition covers You against the Repair
WHAT IS INSURED lower amount noted on Your Policy Schedule).
(a) The CAT or DPF being found to be no longer Cost of insured Parts that have failed a VOSA annual
serviceable using diagnostic equipment and/or This Policy Addition covers You against the Excess: Nil, unless You have selected a voluntary MOT test.
diagnostic techniques as recommended by the reasonable cost of: Excess which will be shown on Your Policy Schedule. Claim Limit: This Policy Addition is subject to a
Vehicle manufacturer or Vehicle Inspectorate. (a) emptying, flushing, cleaning out and/or unblocking Exclusions: This cover does not extend to include claims limit of £750, including VAT (or any higher or
(b) The results of the failed test being made available of Your Vehicle's: fuel tank, fuel lines, filters, lift any Part of the central (or automatic) locking system lower amount noted on Your Policy Schedule).
to Our claims department before authorisation is pump, accumulator, regulator and fuel return or alarm mechanism and also excludes the
system, including the disposing of wasted Excess: Nil, unless You have selected a voluntary
requested. replacement of any key fob batteries. Excess which will be shown on Your Policy Schedule.
(c) The results print out from a successful test Note: For a full list of exclusions please see: What Number of Valid Claims Allowed: One valid claim
following the replacement is submitted to the (b) cleaning, repairing or replacing of Your Vehicle's this Insurance Does NOT cover.
injector pump and/or injectors, due to You filling is allowed in any period of 12 months.
claims department with the repair invoice.
Your Vehicle's fuel tank with incorrect fuel.
PARTS COVERED 5. Vehicles which are: modified in any way from the 9. RADIO, CD/DVD PLAYER, SATELLITE Excess: Nil, unless You have selected a voluntary
The following Parts are covered should they require manufacturer's original specification, or include NAVIGATION Excess which will be shown on Your Policy Schedule.
repairing or replacing during the Period of Insurance any experimental equipment whether or not Replacement of damaged, worn tyres: Tyres have
supplied by the manufacturer, owned temporarily WHAT IS INSURED
in order for a VOSA MOT Certificate (VT20) to be typically between 6mm and 8mm of tread depth when
issued. The failed Parts must be noted on the VOSA or otherwise (resulting from trade-in or acquisition This Policy Addition covers You against the Repair new. The legal minimum tread depth of the main
MOT fail certificate (VT30) which must be produced for the purposes of resale) by a car dealer, lease Costs due to the Failure of the Radio or CD/DVD grooves of car (and similar tyres) in the United
to support a valid claim. company or business formed for the purposes of player or Satellite Navigation equipment provided that Kingdom and the European Community is 1.6 mm,
servicing motor Vehicles or used at any time for the items were fitted to Your Vehicle by the Vehicle this applies across the central three quarters of the
Only the Parts listed under the following headings as commerce, hire or reward, or in any sort of rally, manufacturer as original equipment.
specified on the VOSA MOT Test Schedule are breadth of tread and round the entire outer
racing or any kind of competition or trial, Claim Limit: This Policy Addition is subject to a circumference of the tyre. You are required to pay a
included, any item not specifically mentioned is not commercial driving or tuition.
insured. claims limit of £1,000, including VAT (or any other contribution towards the cost of tyre repair or
6. MOT Failure Insurance will not apply to any amount specifically noted on Your Policy Schedule). replacement depending upon the extent of tyre wear
LIGHTING EQUIPMENT Vehicle over 8 years of age or with more than Excess: Nil, unless You have selected a voluntary as follows:
All lighting equipment listed within the VOSA MOT 80,000 recorded miles at the Policy Start Date. Excess which will be shown on Your Policy Schedule. Between 1.6 mm and 2.0 mm of usable tyre tread
Test Schedule, but excluding cracked or broken glass 7. Any other repair work necessitated in order to Exclusions: Software faults or upgrades, aerials. depth remaining,
or plastic lenses, bulb replacement and headlight pass an MOT test such as: corrosion of bodywork Your contribution = 70%
beam aim. or chassis; fire, frost, impact or accident, including Note: For a full list of exclusions please see: What
this Insurance Does NOT cover. Between 2.0 mm and 3.0 mm of usable tyre tread
road traffic accident; windscreen defects which depth remaining,
STEERING AND SUSPENSION
may block the driver's view of the road and Your contribution = 50%
All steering and suspension Parts listed within the glazing generally; exhaust system, catalyst and
VOSA MOT Test Schedule, but excluding wheel
10. TYRES Between 3.0 mm and 4.0 mm of usable tyre tread
emissions (unless included under the Catalytic
alignment. Converter Policy Addition); general Vehicle WHAT IS INSURED depth remaining,
condition; cracked or broken mirror glass, fuel Your contribution = 30%
BRAKES This Policy Addition is designed to pay for the cost of
leaks, registration plates and VIN numbers a tyre (or tyres) that have incurred accidental sidewall Exclusions: The following are specifically excluded
All braking components listed within the VOSA MOT together with any serviceable items such as wiper or tread face damage (including punctures) rendering from the cover: Worn tyres (generally) which have
Test Schedule, but excluding brake pads and shoes. blades etc; loss, damage or liability which is the tyre un-roadworthy. not suffered from accidental sidewall or tread face
claimable under any other existing insurance, damage and/or which have subsequently failed the
SEATBELTS The cost of a tyre repair is: the reasonable cost of
warranty or guarantee; misuse or any kind of act MOT Test; tyres damaged due to; being driven under-
All seatbelt components listed within the VOSA MOT repair materials, including the cost of a new valve,
or omission which is wilful, unlawful or negligent. inflated, used off-road, in competition, on track days,
Schedule, but excluding cut or chewed straps and puncture patch if necessary; plus the reasonable cost
8. VAT where You are VAT registered or where Your pace-making, racing or rallying, damaged by police
webbing. of Labour to repair fit and balance the repaired tyre.
Vehicle is registered with DVLA to a VAT stingers, damage due to road traffic accident, spare
The cost of a tyre is: the reasonable cost of an tyres (not on the Vehicle) including space saver tyres
GENERAL registered business.
original tyre of similar make and quality as the and pressure sensing valves.
All General items listed within the VOSA MOT 9. Any costs incurred in excess or outside of the damaged tyre, including the cost of a new valve (but
Schedule. liability under this Policy Option. It is Your excluding pressure sensing valves) if necessary; and IMPORTANT:
Exclusions: We will not pay for any costs caused responsibility to meet any dealer or Repairer the reasonable cost of Labour to fit and balance the (a) Tread depth is the smallest measurement at any
by, arising from, or in connection with the following: charges in excess of, or rejected as not being Our new tyre. point around the tyre circumference. The
liability under this insurance. contribution applies to all valid claims made
1. Any of Your out of pocket expenses, including: Claim Limit: This Policy Addition is subject to a claim
10. Any advisory Faults or Parts noted on the limit of £1,000, including VAT, at the maximum rate of against the insurance. The insurance does not
Car Hire, Recovery, Hotel or Travel expenses
Advisory Notice accompanying a VOSA VT20 £250 per tyre, including VAT, during the Period of extend to worn out tyres which have not suffered
during any period Your Vehicle is off the road and
MOT Certificate. Insurance (or any other amount specifically noted on damage nor tyres with less than the legally
undergoing MOT Failure repairs.
Note: For a full list of exclusions please see: What Your Policy Schedule). required depth of tread remaining.
2. Any claim for MOT Failure made within 90 days of
this Insurance Does NOT cover. (b) We reserve the right to specify the use of similar
the Policy Start Date or more than 30 days before
(like for like) replacement tyres with regard to the
or 30 days after the MOT due date notified on
make and specification of Your tyre(s) before the
Your Policy Schedule.
damage. We shall continue to provide cover on
3. The cost of the MOT test or the cost of any re-test the repaired or replaced tyre following a valid
and Labour and Parts necessitated by failing a
4. Any claim where the fault, causing the need for
nav (c) Any suspected criminal damage to tyres should be
reported to the police (within 48 hours) and a
repair, was evident prior to the expiry of the Police Crime Reference number obtained which
manufacturer's warranty period, where the insured will be required before any valid claim can be
Part is subject to a manufacturer's recall authorised. Photographic evidence may be
campaign; inherent manufacturer's design fault or required in support of a claim.
the problem was in existence prior to the sale of
Note: For a full list of exclusions please see: What
the MOT Policy Addition or any other defect
this Insurance Does NOT cover.
previously reported to Us.
OVERNIGHT HOTEL EXPENSES OR ONWARD
Out of pocket expenses TRAVEL UP TO £150
Should a valid claim be authorised for any Part under If You are left stranded without Your Vehicle, more
the terms of this Policy, the insurance will pay than 10 miles away from Your home, You can claim
towards the following associated costs and expenses up to £150 per claim, including VAT, towards the
overnight expense of a hotel room (less subsistence)
REPLACEMENT VEHICLE HIRE UP TO £250 or onward travel costs by railway, bus or taxi for one
You can claim up to £50 a day, including VAT, for up person.
to 7 days, towards the cost of a similar vehicle whilst Note: You must obtain appropriate receipts from a
Your Own Vehicle is being repaired, up to a total of VAT registered hotel, railway, bus or taxi firm (proof
£250 including VAT. You are responsible for the first required).
24 hours that You cannot use Your Vehicle.
USING YOUR VEHICLE ABROAD
IMPORTANT: We will only be liable for car hire during
This insurance is also valid whilst Your Vehicle is
the reasonable period Your Vehicle is off the road and
outside the United Kingdom for up to 90 days per
undergoing authorised repairs and only at the rate
annum provided You accept the following: The
You have been charged within the above limits.
Failure and repair must be in a country that is a
Exclusions: We will not be liable for any replacement current member of the European Union (EU). This
car hire charges in respect of; fuel or insurance, any insurance will not pay more than the Labour rate
lack of availability of the correct Parts, any delay Your quoted on Your Policy Schedule or the equivalent
Repairer may have in commencing repairs or any United Kingdom manufacturer's list prices for Parts at
delay You may have in finding a suitable Repairer. the date of any valid claim and subject to the Sum
Note: You must obtain appropriate receipts and a hire Insured. You will have to pay the Repairer and We
agreement from a VAT registered car hire firm (proof will pay You in Pounds Sterling at the Sterling rate of
exchange prevailing at the date of Failure, upon same main dealer network then We will accept the
receipt of a VAT registered Repairers invoice. Servicing Your Vehicle main dealer's confirmation as proof of service (or) if
VEHICLE RECOVERY CHARGES UP TO £200 Note: You must retain copies of all related VAT You are required to ensure the correct servicing of You have the details of when the last appropriate
If Your Vehicle needs to be recovered, You can claim receipts, agreements and booking forms showing Your Vehicle: service was carried out, such as a correctly
up to £200 per claim, including VAT. precise details of the service or repair provided and completed and stamped entry in Your Vehicle's
(a) at Your own cost and expense, service book, also by a franchised main dealer, then
date, as they will be required to validate any claim
IMPORTANT: This only applies if You are not covered (proof required). (b) using only a VAT registered garage or franchised that will suffice.
by any other recovery service. main dealer, Servicing at any VAT Registered Garage:
IMPORTANT: If You believe You are likely to incur
Note: You must obtain appropriate receipts from a any of the above expenses You should notify Us at (c) by following the manufacturers recommended If Your Vehicle service book contains a stamped entry
VAT registered recovery operator (proof required). Your earliest opportunity as We cannot make such service schedule and intervals. by any other VAT registered garage then We will
additions after a claim has been validated. require to see a dated and detailed service VAT
IMPORTANT: If You are unsure about the previous
receipt and/or service schedule (in either case)
servicing, then You should carry out the
showing exactly which service items were replaced
manufacturer’s recommended full service
and attended to, as proof of the last service in
‘immediately’ including replacement (where
appropriate) of the; engine oil and oil filter, fuel filter,
air filter, gearbox and differential oils, power steering Service Parts:
and brake fluids, antifreeze coolant, air conditioning
gas, sparking plugs, heater plugs, fan belts and This Policy will pay for Service Parts provided such
camshaft timing belts. If You have no proof that the Parts are required in order to complete repairs under
last relevant service has been carried out correctly a valid claim. If Your Vehicle is within 30 days or
then part or all of this Policy may not apply. 1,000 miles of its next service You may be required to
contribute towards the cost of such service Parts.
TIME PERIOD - WHEN YOUR VEHICLE IS DUE
FOR SERVICING IMPORTANT: Any failure to maintain and provide
proof that the last relevant service has been
You are allowed 1,000 miles either side of the service completed correctly, as recommended by the Vehicle
mileage or 30 days either side of the time period, as manufacturer, using a VAT registered garage will
recommended by Your Vehicle manufacturer result in Us declining any claim You make and
(whichever comes first) without any further allowance. invalidate this insurance Policy and under such
circumstances We reserve the right to cancel this
PROOF OF SERVICING - REQUIRED TO SUPPORT
ANY CLAIM YOU MAKE
Servicing at a Franchised Main Dealer:
If the last relevant service was carried out at a
11 franchised main dealer and Your Repairer is from the 12
If You aggravate a Failure We may not settle Your (iii) We will only accept and authorise the average You have used Your best efforts to assist Us and
How to Make a Claim Claim in full. cost of all Parts fitted and Labour as provided provided the correct and satisfactory documentation
This section sets out (in order) what You should do if 2. If You believe that the fault may become the for within the terms of this agreement. (as required above) within 15 days.
You need to claim. subject of a claim under the terms of this 7. If you are claiming for more than one Part and/or
insurance (even if You are not sure) You should benefit under one or more sections of this Policy Emergency Repairs
Telephone Our Claims Department on 0845 293 2570
or download a Claim Form from Our website report the fault as soon as practicable and in any then these will be treated as a single claim within If You find Yourself in the situation of having to carry
www.warrantywise.co.uk/claims to initiate Your claim. case within 7 days. Any failure to notify Us about the Single Claim Limit and Sum Insured shown on out repairs in an emergency situation, such as when
any fault within 7 days may result in any future Your Proposal and Policy Schedule. Your Vehicle is attended to by a recovery
Then, take Your Vehicle (if safely drivable) to a VAT claim being rejected. 8. We will not validate any claim and issue payment organisation, as a result of a Failure at a time when
registered Repairer of Your own choice (if using a
3. No repair work should be started before We have until We have received a copy of: Our claims office is closed, then You should obtain a
main dealer check to see if the cover You have
approved it and issued a Claim Number. Should VAT receipt from the Repairer displaying:
selected will meet the main dealer Labour costs (i) Your completed claim form,
specified). You decide to give permission to the Repairer to (i) Your Vehicle's details,
commence work, without a Claim Number being (ii) Repairer's VAT invoice,
You, or Your Repairer, should request approval for (ii) the details of the repair including the cost of any
obtained, You do so in the full knowledge that We (iii) Claim Number,
repairs by telephoning the Claims Department on: Parts and Labour,
reserve the right not to meet Your claim because (iv) copies of VAT service receipts (or) main
0845 293 2570 and by providing the following You have denied Us Our right under this Policy to (iii) the time and date the repair was diagnosed and
information: dealer stamped service book (or) their
inspect the Vehicle and any insured Part prior to carried out,
confirmation together with a completed and
(a) The full warranty Policy number (found on the its repair or replacement. signed repair assessment form. (iv) retain any Parts removed from Your Vehicle for
Proposal Form and Policy Schedule). 4. It is Your responsibility to authorise any preliminary Our inspection or alternatively make a
Note: From time to time We may require other
(b) Your Vehicle registration number and Your name diagnostics together with any dismantling of Your photographic record,
documentation in order to assist Us in validating a
and address (when requested). Vehicle and its Parts as may be required for a claim. Such documents may include copies of; Your (v) contact Our claims department on 0845 293 2570
(c) The date and mileage that You believe that the proper examination of its faults to be made. We will Vehicle's V5 log book, purchase and sale receipts, as soon as possible or email the details of the
insured Part(s) failed. only pay for such diagnostic and/or dismantling previous and current MOT certificates, previous and claim to: email@example.com.
work if reasonable and if assessed by Us as being current service history documentation, Repairer's Note: In order to make sure that You receive the
(d) A detailed Parts and Labour estimate of the
within the costs of a valid claim and We will not be Parts receipts, recovery organisation memberships, highest level of service and for training purposes
liable for the cost of any preliminary diagnostic details of previous warranty policies together with the telephone calls may be recorded. The claims office
(e) Details of the last appropriate service (proof work in excess of one hour, at the Labour rate details of any previous claims made. We reserve the hours are 9am to 5pm, Monday to Friday and 9am to
required). selected. We reserve the right to examine the right to decline Your claim if We are not satisfied that 1pm on Saturdays.
We will then issue You with a claim form and Your Vehicle Ourselves or to have any faulty Parts
Repairer with a repair assessment form. expertly assessed or to transport Your Vehicle to
an appointed Repairer of Our own choice.
Please ensure that the Repairer does the
following: 5. Before We authorise any claim, We reserve the
right to instruct an independent engineer to
(i) Completes and returns the repair assessment
inspect Your Vehicle and/or inspect any faulty
Parts, together with any appropriate
(ii) Obtains authorisation to carry out repairs and documentation. When this right is exercised We
makes a note of the Claim Number issued by the shall have no liability for any loss to You arising
Claims Department. from any delay Your Repairer may have in
(iii) Carries out the repair and sends their VAT invoice, commencing repairs. We also reserve the right to
Claim Number and copies of any VAT service re-charge the cost of any attempted and failed
receipts (if applicable) to: Warrantywise, Claims engineer's inspection of Your Vehicle against any
Dept, Ribble Court, 1 Mead Way, Shuttleworth subsequent authorised amount, due to Your
Mead Business Park, Padiham BB12 7NG, or Repairer failing to present Your Vehicle and/or its
provides You with copies if You are making the faulty Parts as previously arranged by Your
claim Yourself. Repairer at the stated place, time and date.
Note: Your Repairer must NOT carry out any repairs 6. Should Our independent engineer (or Your
without first obtaining authorisation and not without Repairer where no independent engineer has
Us issuing a Claim Number, otherwise We may been instructed) be unable to identify the Failed
decline Your claim. Part or Parts and/or the cause of Failure and/or
reason for the Failure and where Your Repairer
IMPORTANT: requires to replace more than one particular Part
1. You should stop driving Your Vehicle immediately or requires to fit a whole unit where only a part of
if You become aware that there is a dashboard that unit has Failed (unless the Part is
warning light showing a fault. You should also recommended to replaced in pairs, see page 5 of
stop if there is any other indication such as an this Policy) then We will only accept and authorise
unusual vibration or noise, leaking water, oil or the cost of such repairs after:
steam. (i) such repairs are carried out and,
(ii) after such repairs are proved to have been
13 successful and, 14
have settled Your instalment payments for the first six We reserve the right to cancel Your Policy L. Duty of Disclosure
General Conditions months therefore We reserve the right to deduct any immediately without any refund of premium and You should have declared all material facts that may
This Policy is only valid if You agree to these outstanding premiums for the first six months (or part without further notice: have affected Our decision to accept Your Vehicle on
conditions which apply to all sections including Policy thereof) from any authorised claim amount or to (iii) if You transfer ownership of Your Vehicle without risk. It is important that You check Your Proposal and
Additions. Please take time to read them. In withhold payment of any authorised amount until such initiating a Policy Transfer (within the Policy Policy Schedule to ensure We have the correct
particular, please pay particular attention to Our time. Transfer Conditions) or details. In particular, You should check that Your
conditions regarding Your Vehicle servicing and Our (iv) if You change Your address to outside of the Vehicle’s Make and Model are accurately described
claims procedure. E. Fraud on the Proposal Form and Policy Schedule, also You
Geographical Limits or
If You have made a false and/or dishonest and/or should have answered Our preliminary questions
A. Claims Procedure misleading statement to Us in order to obtain this (v) if You fail to maintain or service Your Vehicle as accurately and disclosed any known (or suspected)
Insurance or to support a claim, this Policy will be recommended by the Vehicle manufacturer material faults with Your Vehicle prior to taking out the
You must follow the claims procedure detailed within (within the Policy Conditions) or
this Policy, any failure to do so may result in a decline suspended and no refund or claim settlements will be cover, if You were in any doubt about what was
decision and non-payment of Your claim. made and the matter will be reported to the Insurers. (vi) if You have made any false declaration to Us in material then You should have declared it. Failure to
order to obtain this insurance or in order to satisfy disclose the correct information at the time that You
B. Duty of Care F. Salvage and Disposal Our claim conditions or applied for cover may invalidate Your Policy.
You have a duty of care to look after Your Vehicle and We accept no liability for the responsible disposal of (vii) if You fail to pay Your premium in full as and
Your Vehicle or of any covered Part or salvage under when agreed or fail to maintain any monthly M. Indemnity and Limit on Claims
carry out the preventative maintenance
recommended by the Vehicle manufacturer within the any event. direct debit or continuous credit card payments. This Policy is a Policy of indemnity. You are
Servicing Handbook. You are also required to service In all cases by sending You notice in writing (by indemnified against the reasonable Repair Costs up
Your Vehicle in accordance with the servicing G Cancellation by You within the Cooling Off to the Single Claim Limit within the Sum Insured. If
Special or Recorded Delivery).
requirements within this Policy. In particular it is Your Period Your Vehicle and any subsequent claim is covered by
responsibility to pay to replace Worn Parts and If having applied to Us for cover You decide that You J. Cancellation due to Your failure to agree terms any other Policy, guarantee or goodwill settlement,
Service Parts as and when required. do not want this insurance, simply return this Policy, We will only pay Our reasonable share of the claim (if
Any failure on Your part to agree terms within 60 days
Your Proposal and Policy Schedule together with Your any).
of taking out the cover by returning Your signed
C. Policy Transfer request in writing (by Special or Recorded Delivery) Proposal Form may result in the insurance being
to reach Us within 30 days of the Policy Start Date N. Value Added Tax
Providing that You have paid for this Policy in full and cancelled by Us sending You notice in writing (by
no valid claims have been made, the balance of this and, Special or Recorded Delivery) and by refunding You Value Added Tax (VAT) will be calculated at the
Policy may be transferred with the Vehicle directly to (i) providing You have not made any valid claim, all the (then) balance of any remaining premium less the current rate at the time of claim. If You are VAT
a new private owner. You must make the application cover will be cancelled and Your premium Cancellation Fee. registered, or if Your Vehicle is registered with DVLA
within 15 days of the change of ownership and You refunded in full without any deduction. to a VAT registered business, We will not reimburse
must send Us proof of last service, a current MOT K. Excess You any amount of VAT associated with a valid claim.
(ii) in circumstances where You have attempted to
certificate and the Administration Fee. make a claim, all cover will be cancelled and Your If You make a claim and You have elected to include O. General
Note (i) The Policy may only be transferred by You premium refunded less the Cancellation Fee. an Excess, then under normal circumstances, the
(the original Policyholder) and no refunds or rebates amount of the Excess will be deducted from the We are not liable for any statement or representation
(iii) in all other circumstances cancellation is without which contradicts any of the conditions of this Policy
will be made to You or to the transferee under any refund. settlement of Your claim.
circumstances. of insurance unless the statement or representation is
clearly defined on Your Policy Schedule or is
Note (ii) The Policy may not be transferred to (or via) H. Cancellation by You outside of the Cooling Off
supported in writing by Us.
any member of the motor trade (or) where the Policy Period
has less than 30 days left to run (or) where You are If, at any time after 30 days of the Policy Start date,
paying by monthly instalments. You decide that You do not want this insurance,
Note (iii) No transfer will be made, under any simply return this Policy, Your Proposal and Policy
circumstances, after a valid claim has been Schedule (by Special or Recorded Delivery) together
authorised. with Your request in writing and all cover will be
cancelled, from the date We receive Your request,
D. Payments by Instalments there will be no refund of any premium, however at
If You are paying Us Your premium by instalments the Insurer’s absolute discretion any remaining
You must pay each instalment on the agreed due benefit may be transferred onto another vehicle
date otherwise We will cancel this Policy forthwith owned by You.
without return of any premium paid.
I. Cancellation by Us
Note (i) If You are paying Us by three instalments We
will not pay any authorised valid claim amount until We reserve the right to cancel Your Policy
You have settled Your instalment payments in full and immediately and without further notice by refunding
We reserve the right to contra any sums involved. You the balance of any remaining premium after the
Note (ii) If You are paying Us by regular and deduction of Cancellation Fee:
continuous monthly instalments We will not pay any (i) if Your Vehicle is declared an insurance category
authorised valid claim amount until such time as You write-off or
(ii) if Your Vehicle is stolen.
8. Any Part covered by any other insurance, 19. The Failure of any Part (or Parts) which a 30. Any loss, damage or Failure which an
What this Insurance warranty, guarantee or offer of settlement. qualified engineer appointed by Us, believes has independent engineer appointed by Us believes
been aggravated due to the Vehicle being driven- could or should have been avoided or was
Does Not Cover 9. The Failure, within 30 days or 1,000 miles, of the
date of inclusion of any Assembly or Policy on after the Failure had occurred. In such cases caused by a negligent previous repair attempt or
This insurance specifically and particularly excludes Addition (or Part thereof) added to the Level of We will only be liable for the reasonable Repair lack of previous routine service or maintenance
the following: Cover after the Policy Start Date. Costs the engineer believes would have resulted as recommended by the manufacturer or within
if the Vehicle had been stopped at the earliest the Servicing Handbook.
10. The replacement of any camshaft timing belt or opportunity.
Vehicles Excluded: tensioner or any associated Repair Costs where 31. Any claim, damage or fault which is due to an
1. Any Vehicle not conforming to the United it cannot be shown within the Vehicle's service 20. The repair or replacement of any Parts not accident or which comes to light during any such
Kingdom Department of the Environment (DOE) record that the correct servicing of the camshaft authorised by Us. accident repairs or which is negligent or against
Vehicle Type Approval Standards (where a Type belt and/or tensioner has been carried out within 21. Any Parts which have been modified (in any way) the law of the country in which the incident
Approval Certificate is not in force) or where a the manufacturer's recommended servicing and which are not to the manufacturer's original occurred.
current MOT VT20 Certificate (where required) is interval. specification. 32. The cost of any diagnostic work in excess of one
not in force or has expired or any Vehicle older 11. Paintwork and bodywork, hinges, catches, door 22. Any Parts which are: rusted up or corroded or hour (at the Labour rate selected) or the cost of
than 12 years or over 120,000 miles at the Policy guides and runners, mountings, interior or Parts which We believe have suffered damage any dismantling work not associated within the
Start Date. exterior trim, upholstery together with any items specifically due to: flooding, freezing, water costs of a valid claim.
2. Any Vehicle where the registration number, make fitted after the date of manufacture (such as roof ingress, melting, lack of or incorrect coolant, 33. The cleaning of any Part or Parts, unblocking or
or model, engine size or mileage is inaccurately racks and towing equipment etc). lubricant or fuel, blockage or sludge or Parts replacing of tanks, reservoirs, casings, pipes,
described on Your Proposal and Policy Schedule 12. Any non-mechanical or non-electrical Parts (such which are electrically overloaded due to incorrect lines, filters, pumps, metering units, injectors,
form or contradicts Your Vehicle's service record as carpets, seat coverings, mats, roof lining, trim, use of welding, starting or charging equipment or pressure valves, control valves due to
or where the mileage/distance reading has been convertible roof material, glass in mirrors and Parts damaged due to the inappropriate contamination by any foreign objects, debris or
interfered with, altered or disconnected or has windows etc). introduction of foreign objects or debris or any incorrect fuel (unless otherwise covered by any
previously failed or cannot be relied upon to be fuel or fluid leak or any oil leak not specifically Policy Addition).
accurate. 13. Any Serviceable Parts normally replaced during included within the Level of Cover.
the manufacturer's recommended servicing of the 34. Any claim for the additional cost of transportation
3. Any Vehicle (prior to the date of claim) declared Vehicle such as: spark plugs, high tension leads, 23. Any claim for Parts which have been recalled, of Parts that have to be sourced from outside of
as an insurance category write-off or stolen and lubricants, fluids, filters, wiper blades, fan and modified or altered in specification to improve any the United Kingdom or any claim for Parts that
recovered. drive belts, hoses, wiring, fuses and connectors, previous design fault by the Vehicle are obsolete.
4. Any Vehicle used for hire or reward including: bulbs, aerials, batteries, fuel cells, tyres, frictional manufacturer. 35. Any liability for death, bodily injury, damage to
taxis, driving schools, courier vehicles, or any materials of brake linings and clutch plates, 24. Any Part which, within the last 12 months, has other property, out of pocket expenses or any
commercial vehicle with an un-laden weight of exhaust systems together with any other Parts been the subject of a previous claim (whether loss caused directly or indirectly by the claim or
more than 3500kgs or a vehicle used in any sort listed within the manufacturer's Vehicle service validated or not). event giving rise to a claim under this Policy.
of competition, race, rally or track events or any manual, unless any such items are authorised 25. Any Parts which have suffered damage due to 36. Anything caused directly or indirectly by war, riot
previous public service vehicle such as police, within the costs of a valid claim and providing the criminal damage, theft or attempted theft, or any similar event, or by vandalism, theft or
ambulance, fire and military vehicles. Vehicle is not within 1,000 miles or 30 days of its accident, negligence, misuse, incorrect servicing attempted theft from the Vehicle or by bad
5. Any Vehicle modified since the date of next scheduled service. or any Part not reported at the time of claim weather such as lightning or flood.
manufacture (in whole or in part) or a vehicle 14. Oil seals (unless included as an optional which suffers damage while in the care of Your 37. Injury, loss or damage that is caused by the
altered to be powered by any alternative fuel Assembly and then only those oil seals which Repairer during routine servicing, at the time of following:
source or type (unless We make special require the removal of the engine or gearbox and MOT or the strip down or re-build process.
provisions which are noted on Your Policy have suffered a Failure causing a major oil leak (i) Ionising radiation, or radioactive
Schedule). necessitating immediate replacement) and oil Claims Excluded: contamination from any nuclear fuel or the
leaks (generally) due to worn collars or worn nuclear waste arising from burning nuclear
6. Any Vehicle where You are the owner, proprietor 26. Any claims made against the Policy before the fuel.
or director of a motor dealer business, car shafts or excessive crankcase pressure. Policy Start Date or after the Policy has expired
auction, repair garage, leasing or hire company 15. Worn Parts and Parts which have not suffered a together with any claim not authorised by Us. (ii) The radioactive, toxic, explosive or other
or otherwise connected with the motor trade Failure. dangerous properties of any explosives,
27. Any claims where the person making the claim is nuclear equipment or nuclear Part of that
(unless We make special provisions which are 16. Wear and Tear (generally) and the Failure of any not You (the Policyholder) as named on the
noted on Your Policy Schedule). equipment or any chemical damage or effects
Part due to Premature Wear where the Policy Proposal Form and Policy Schedule or Your or by any radio interference.
Note: In any of the above circumstances Your Policy Addition of Failure due to Premature Wear is not nominated Repairer acting upon Your behalf.
will be cancelled from inception and all premiums included within the Level of Cover. (iii) Air pressure shock waves from aircraft
28. Any claims caused by faults which an travelling at or near the speed of sound.
refunded less the Cancellation Fee. 17. Worn Parts and Parts which are recommended independent engineer appointed by Us believes
for replacement by Your Repairer during the could have reasonably existed before this Policy
Parts Excluded: began, whether or not such faults were known to
Vehicle's routine servicing.
7. Any Part, Assembly or Policy Addition (or Part You at that time.
18. Worn Parts and Parts which are recommended
thereof) excluded from the Level of Cover. 29. Any claims against any Part, Policy Addition (or
for replacement by Your Repairer at the time of
MOT (unless covered by the MOT Failure Policy Part thereof) not included within the Level of
Addition) together with any Parts listed within the Cover.
Advisory Notice accompanying a VOSA MOT
Cooling Off Period: A period of 30 days from the Labour: Labour costs necessary to repair or replace Proposal Form: Any signed or electronically
Definitions Policy Start Date. Parts will be reimbursed up to the hourly Labour rate acknowledged Proposal Form and/or declaration
The following words and terminology have same noted on Your Policy Schedule, including VAT. We will together with any other additional information You
Excess: An optional monetary contribution by You not pay more than the hourly Labour rate usually may have supplied to Us in support of Your
meaning throughout this Policy of insurance: towards the value of any claim which will be shown in charged by Your Repairer to its customers (if lower). application for insurance.
Administrator: Warranty Wise Insurance Services, Your Policy Schedule. Repair times will be limited to those in the latest
Ribble Court, 1 Mead Way, Shuttleworth Mead Glass's ICME manual or as listed in the Repairer: Any full-time VAT registered business
Failure: The sudden and unexpected mechanical providing a car repair service within the Geographical
Business Park, Padiham, BB12 7NG. Coverholders at and/or electrical failure of a Part resulting in a manufacturer's recommended repair times guide.
Lloyd's of London and authorised and regulated by Limits.
permanent loss of the Part's ability to operate as Level of Cover: The total cover applicable to Your
the Financial Services Authority (FSA) No 300482. designed. Repair Cost(s): The cost of Labour and Parts Cost.
Vehicle as stated in Your Policy Schedule.
Administration Fee: The fee shown on Your Policy Geographical Limits: The area in which this Policy Servicing Handbook: The handbook (as updated)
Schedule to cover Our administration expenses. Part: Any mechanical or electrical part, which forms
is effective which includes; Great Britain, Northern part of the Vehicle's original specification, insured issued with the Vehicle by the manufacturer and
Assembly: An assembly of mechanical and/or Ireland, the Isle of Man and the Channel Islands under the Level of Cover or Policy Addition selected, which details the servicing and maintenance
electrical Parts acting together to perform a specific during the Period of Insurance and within the of this Policy. Mechanical parts are those that have requirements for the Vehicle.
function. European Union (EU) for 90 days each year. movement or when acted upon enables movement to Single Claim Limit: The maximum amount that You
Insurer: Lloyd's Syndicate 5820, Sidcup House, occur and electrical parts are those that are either; can claim per Failure, including VAT. The Single
Cancellation Fee: The fee shown on Your Policy
12-18 Station Road, Sidcup, Kent, DA15 7EX. powered by, uses, or produces electricity in order to Claim Limit includes all charges against Repair Costs,
Schedule to cover Our cancellation expenses.
Reg/No 04434499. The Lloyd's Managing Agent for function. Policy Additions, Vehicle Recovery, Vehicle Hire,
Claim Number: A number issued by Us to You or to Lloyd's Syndicate 5820 is Jubilee Managing Agency Hotel or Travel Expenses, as shown on Your Policy
Parts Cost: If Your Repairer is a franchised main
Your Repairer as proof that a claim has been Limited whom are entered in the Register of Lloyd's Schedule.
dealer We will pay up to the manufacturer's list price
registered. Managing Agents and regulated by the Financial for Parts, otherwise We will not pay more than the Sum Insured: The maximum amount that You can
Services Authority, entered under the FSA register motor factor trade price for Parts plus 10%, including
Consequential Damage: Where a Part (not included claim in total during the Period of Insurance, including
under number 226696. VAT. Parts which can only be sourced from outside
within the Level of Cover) caused the Failure of a VAT as shown on Your Policy Schedule, limited to the
Part (which is included within the Level of Cover). the United Kingdom will be reimbursed at the United retail value of Your Vehicle as defined in Parkers
Kingdom price of an equivalent Part. We reserve the Price Guide (or similar) at the time of inception.
right to require Your Repairer to use reconditioned or
service exchanged Parts or to supply such Parts to VAT: VAT will be calculated at the current rate at the
Your Repairer directly. time of claim. If You are VAT registered, or if Your
Vehicle is registered with DVLA to a VAT registered
Period of Insurance: The period shown on the business, We will not reimburse You any amount of
Policy Schedule. VAT associated with a valid claim.
Policy: This booklet together with the Proposal Form Vehicle: Only the Vehicle as identified on the Policy
and Policy Schedule which contains the terms and Schedule intended for private use on the public
conditions of Your insurance. highway and designed to carry no more than seven
Policy Addition(s): Cover against the following items people including the driver, including private
that You may have selected as shown on Your Policy commercial vehicles of less than 3500kg gvw, but
Schedule: Air Bag Systems, Alloy Wheels, Failure excluding public and private hire taxis, driving school
due to Premature Wear, Catalytic Converters, vehicles or vehicles used for courier services or for
Incorrect Fuelling, Keys and Locks, Labour Rates, the haulage or transportation of goods, vehicles
MOT Failure Insurance, Radio, CD, DVD, Satellite modified or used in any competitive or track events.
Navigation, Tyres. We/Us/Our: Warranty Wise Insurance Services,
Policy Schedule: Issued by Us to confirm Our Ribble Court, 1 Mead Way, Shuttleworth Mead
acceptance of Your Proposal Form. Business Park, Padiham, BB12 7NG. Coverholders
at Lloyd's of London and authorised and regulated by
Policy Start Date: The date Your Policy begins. the Financial Services Authority (FSA) No 300482.
Premature Wear: Wear which occurs earlier than Wear and Tear: The gradual and expected
would normally be expected considering the Vehicle’s deterioration in the function of any Part due to the
age, mileage and service history. Whether a Part has age, mileage and general use of the Vehicle and its
failed prematurely due to wear is determined by Parts over time.
comparing the extent of wear on the failed Part with
other associated or similar Parts of the Vehicle, if no Worn Parts: Parts which may be suffering from Wear
similar wear is apparent on such Parts then this and Tear but have not suffered a Failure (as defined).
would be deemed a Failure due to Premature Wear. You/Your/Yourself: The Policyholder named in the
Policy Proposal Form and Policy Schedule.
Policy of Insurance The Policy Schedule confirms Our acceptance of
Quentin’s Check List
Your Proposal Form and is the basis of the contract
UNDERWRITTEN AT LLOYD'S OF LONDON and forms part of this Policy. We will post the Policy Yes, I know this all sounds a bit complicated 5 We simply can't cover everything.
This Policy of Insurance is Underwritten at Lloyd's of Schedule to You within 3 days of receiving and (You should try putting all this stuff together!) There are quite a few things that We
London. In accordance with the authorisation granted accepting Your signed Proposal Form. but I want to be absolutely sure You know simply can't protect You against. Make
under the Contract GP120 to the Undersigned by the
Insurers, Jubilee Managing Agency, Lloyd's Syndicate PREMIUMS AND CLAIMS - YOUR RIGHTS
exactly what to expect from a warranty and sure You know what they are before You
5820 at Lloyd's of London and in consideration of the that You won't be disappointed. Here's a take out a warranty. (See page 18)
When handling premium payments from You that are
premium being paid in full; the Insurers are bound to due to the Insurers and when handling any claim You simple check list to make sure that should
You for the benefits set out herein, subject to the make, the Administrator acts as an authorised agent You ever need to make a claim, things go 6 Stop driving Your vehicle the moment
Terms and Conditions, Definitions and Exclusions of of the Insurers. This means that when You pay a
this Policy. In witness, this Policy of Insurance has
smoothly. I'd advise You also to read this You think something is wrong. If You
premium to the Administrator it is deemed to have
been signed in London by Mr Andrew Whittaker FIMI carefully before You buy one of my carry on driving You can make things
been received by the Insurers and that any valid
of Warranty Wise Insurance Services (Warrantywise) claim You make is not deemed to have been warranties. worse and may invalidate any claim.
and contract GP 120 bears the seal of Lloyd's Policy completed by the Insurers until the cost of the repair (See page 13)
Signing Office. The date of signing is shown as the to Your Vehicle has been settled by them.
Policy Start Date on the Proposal Form.
1 Is Your Vehicle automatically
disqualified? We don't cover vehicles 7 Unless it’s an absolute emergency, or
ADMINISTRATOR that have been previously categorised as You're abroad, don't repair Your
Warrantywise is registered under the Data Protection
This Policy is administered by Warranty Wise Act. You are the only person authorised to make insurance write offs or taxis. Vehicle without our authorisation. You'll
Insurance Services (Warrantywise) Ribble Court, representations to Warrantywise about this Policy of (See page 17) be disappointed if You shell out loads of
1 Mead Way, Shuttleworth Mead Business Park, insurance. If You require any other person to enquire cash without asking Us and then expect
Padiham, BB12 7NG, Coverholders at Lloyd's of on Your behalf including receiving any validated claim
London and Authorised and Regulated by the 2 Make sure Your Vehicle has a service Us to pay afterwards. Tell Us what You're
payments We will require Your specific prior
Financial Services Authority (FSA) No 300482. authorisation in writing unless such persons quote history and that its bang up to date. doing before You pay for any repairs.
Your security password. The data supplied by You will You must have proof that the last relevant (See page 13-14)
POLICY only be used for the purposes of processing Your service was carried out to the
This Policy will only become effective when We Policy of insurance, including Your payments,
manufacturer's recommended schedule 8 This is very, very important.
(Warrantywise) have received and accepted Your underwriting, administration and handling any claim
signed Proposal Form and Your premium payment in which may arise or Policy renewal. We will not sell or by a VAT registered garage. We simply can't and won't offer warranties
full and issued Your Policy Schedule, You will then be in any way pass over Your personal details to any (See page 12) for used cars that are simply clapped out
provided with the insurance as stated within this third party unless required to do so in order to comply or already have lots of faults. If You think
Policy during the Period of Insurance, whilst Your with the terms of any lawfully authorised investigation.
3 If Your Vehicle is over three years old, You can use our warranty to pay for worn
Vehicle is within the Geographical Limits. This Policy
contains details of the insurance cover You have NOTICES it needs a valid MOT. We may check this out Parts already present on Your Vehicle
purchased, what is excluded from the cover and the All notices required to be given shall be by Special or if You claim and if Your MOT isn't current - We won't. You'll just be wasting
conditions of this insurance and should be read in Recorded Delivery You won't be able to. everybody's time!
conjunction with the Proposal Form and Policy
(i) from Warrantywise to You, at Your last known (See page 13)
Schedule and includes Your signed declaration to pay
the premium. address and
(ii) from You to Us, at Warranty Wise Insurance 4 Double check that You've asked for the
PROPOSAL FORM Services at Ribble Court, 1 Mead Way, cover You need. You only have 30 days
The Proposal Form, which includes the signed Shuttleworth Mead Business Park, Padiham,
BB12 7NG. All notices shall be deemed to have
to change things and no time at all if You
declaration, forms part of this Policy. Please check
been received when in the normal course of need to make a claim.
that the information You have declared to Us is
correct and that it meets with Your requirements. If it transmission, the notice would have been (See pages 5-10)
does not, please contact Us as soon as possible (and delivered.
in any case within 30 days of issue) in order to make
any applicable alterations. You cannot make changes LANGUAGE
after 30 days or if You have made, or attempted to All insurance documents and all communications with
make any claim. If You fail to provide Us with the You about this insurance will be in easy to understand
correct information We reserve the right to either English. No other language will be used.
charge You an additional premium and Administration
Fee or even cancel Your Policy. CHOICE OF LAW
Unless specifically agreed to the contrary this Policy
shall be subject to English Law.
21 wwise/ucw/pol/v6/apr09 22