What is Covered

keyfacts

Premium Warranty Summary of Cover

The following is a summary of cover relating to this warranty. A copy of the full terms is available on request.

This insurance is underwritten by UK underwriting limited on behalf of Fortis Insurance Limited, registered office:

Fortis House
Tollgate
Eastleigh
SO53 3YA
Registered in England No. 00354568

ELIGIBILITY

Applicable to vehicles up to a maximum of 12 years old having covered less than 120,000 miles at the date of inception.

BENEFITS

WHAT PARTS ARE COVERED?

ALL MECHANICAL AND ELECTRICAL COMPONENTS OF THE VEHICLE THAT WERE MANUFACTURER'S ORIGINAL FITMENTS EXCEPT THOSE LISTED BELOW:

Additional items covered

In-car entertainment systems. (Please note that these items will be covered up to 25% including VAT, of your claim limit on original manufacturer's equipment up to a maximum of £500).
Air conditioning and climate control systems.(Please note that these items will be covered up to a maximum of 40% including VAT of your claim limit).
SAT NAV Equipment. (Please note that this item will be covered up to a maximum of 25% including VAT, of your claim limit up to a maximum of £500).

Additional Cover: We will provide cover on the vehicle's Catalytic Converter provided an extra premium has been collected and your vehicle was under 5 years of age at time of purchase.

COMPONENTS NOT COVERED BY THIS WARRANTY

All bodywork and trim, seat belts, glass, sunroof panels, fuel tank, wheels and tyres, hinges, brake facings, seized callipers
The renewal of any clutch component due to incorrect adjustment, misuse
General wear and tear
The clearing of fuel lines, filters, carburettors and pumps
Air bags
HT Leads, spark plugs, filters, wiper blades, lights and bulbs, belts, wiring looms, glow plugs
Exhaust manifold, exhaust system, brackets, mountings and hoses, water ingress, cables
Worn or leaking seals and cylinders
Battery

NOTE

Those components covered are covered against mechanical breakdown. The replacement of oil filters, lubricants, antifreeze and fluids is included, provided the replacement is necessitated by the failure of a warranted component and the vehicle is not within 1,000 miles of its next due service. External oil leaks are specifically excluded.
Please note: Where the failure has been confirmed on a diagnostic machine, the fault codes must be submitted as supporting evidence, along with the claims invoice.
Please note: The maximum payment for diagnostics is £65.00 inclusive of VAT.

BETTERMENT

In the event of a claim the Insurer reserves the right to call for a contribution from the Insured for Betterment should the repaired vehicle ultimately be in a better condition or have a better value than it enjoyed immediately prior to the occurrence of the claim.

The following matrix will apply where Betterment is applied. The % stated reflects the reduction to be applied to parts and labour (Inc. VAT).

All mileages are from date first registered.
7 years or 70,000-80,000 miles 10%
8 years or 80,000-90,000 miles 15%
9 years or 90,001-100,000 miles 20%
10 years or 100,001-110,000 miles 25%
10 years + or 110,001-120,000 miles 30%
10 years + or 120,001-130,000 miles 40%
10 years + or 130,001-140,000 miles 50%
10 years + or 140,001-150,000 miles 60%
10 years + or Over 150,001 miles 70%

EXTRA BENEFITS

The extra benefits listed below will be made available subject to the limits specified on the proposal form, provided the parts in need of repair are covered under the warranty plan.

VEHICLE RECOVERY

In the event of an emergency breakdown due to the failure of one of the components covered within this warranty, the policyholder is entitled to recovery to the nearest authorised repairing dealer. The maximum contribution per recovery will be limited to £65 including VAT. The method of recovery must prevent any further damage to the vehicle.
IMPORTANT: Recovery costs will constitute part of the total claim cost and will be limited to the claim limit as stated on the Proposal Form. A VAT receipt will be required.

CONTINENTAL USE

The breakdown repair cost element of this warranty is extended to cover the vehicle whilst travelling within the EU for a period of 60 days during each year. The Owner may authorise repair work and claim reimbursement in accordance with the terms of the warranty subject to a receipted invoice, service history and completed claim form being forwarded to the Claims Department. Reimbursement will be at the exchange rate current at the time of the repair.

TRANSFER REQUEST

Subject to our approval, this policy may only be transferred with the vehicle direct to a new private owner. Application must be made to the administrator at the time of the change of ownership. The administrator will charge £35 for this service. Please refer to the Transfer of Ownership section for further details. Under no circumstances can this policy be transferred to another vehicle or to/via any member of the motor trade. If the insurance is transferred to a new owner the policy will not be subject to the statutory cancellation period.

GENERAL INFORMATION
ADMINISTRATOR

The Administrator is AUTOGUARD WARRANTIES LIMITED; whose registered office is S WYVERN HOUSE 55-61 FRIMLEY HIGH STREET, FRIMLEY, CAMBERLEY, SURREY GU16 7HJ Company Number 06574030. The administrator is authorised and regulated by the Financial Services Authority 500640.

INSURER

The insurer is UK GENERAL UNDERWRITING LIMITED on behalf of FORTIS INSURANCE LTD, REGISTERED NUMBER 78950; a private company limited by shares and incorporated in England, whose head office are 5 OLD BROAD STREET, LONDON, EC2N 1AD. The insurer is authorised and regulated by the Financial Services Authority.

CANCELLATION

You may cancel this cover within 14 days of receiving your policy book and schedule with a full refund by writing to the administrator at the address above, if you cancel after such a period no refund will be due.

MAKING A CLAIM

If you consider that you have a claim do not proceed with repairs until the claim is authorised by the administrator. Your repairer must telephone the administrator on 01276 804 586 and obtain a claim authority number prior to any work being carried out, we reserve the right to subject the vehicle to independent assessment.

COMPLAINTS

If you have any enquiry or complaint about your policy, you should in the first instance contact Autoguard, your supplying dealer or WarrantyWorks. If you are not satisfied in any way about the way your complaint has been dealt with you may write to the Head of Claims, UK General Underwriting Ltd 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1HB. Independent advice my be gained from the Financial Ombudsman service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. NONE OF THE ABOVE AFFECTS YOUR STATUTORY RIGHTS.

LAW APPLICABLE

Unless specifically agreed to prior to inception. This policy shall be subject to English Law, the EEA state for the purposes of this policy is the United Kingdom.

COMPENSATION

You may be entitled to compensation under the Financial Services Compensation Scheme in the event that we are unable to meet our liabilities in full.

LANGUAGE

This policy is written in English and all communication entered into shall be in English.

DEMANDS AND NEEDS

The customer named on the registration form has purchased a vehicle and believes this warranty would be beneficial to them. The customer has been advised of the details of cover on he summary of cover including the main benefits, main exclusions and limitations of the cover, and is not aware of any other insurance policy that they currently have that makes the cover unsuitable. The customer is aware of their obligation to provide all material information and has made a reasoned decision on the basis of the information provided in the summary of cover, and also has a period of 14 days after the receipt of policy documentation to cancel the contract if they wish to re-consider their decision.

STATUS DISCLOSURE

Warranty Works, can only offer a product from a single provider, UK Underwriting Limited On Behalf Of Fortis Insurance Limited. We act as an appointer representative of Autoguard Warranties Limited in respect of the sale of this product. Autoguard Warranties is authorised and regulated by the financial services authority, with an FSA registered number of 500640which can be checked by contacting the FSA via the website of www.fsa.gov.uk/register or by phoning 0845 606 1234. Our company registered address is Pant Y Llyn, Llandrillo, Denbighshire LL21 0TE. If you need to register a complaint please contact warranty works in writing at the address above or telephone 01490 440 222. If you cannot settle your complaint with us you may be entitled to refer it to the financial ombudsman service. We are covered by the financial services compensation scheme. You may be entitled to compensation from the scheme if Autoguard Warranties Ltd cannot meet their obligations.

Additional Notes about these warranties:
UK Underwriting Limited on behalf of Fortis Insurance Limited

Underwrites these Warranties & Commercial Vehicle Warranties.

Both UK Underwriting Limited and Fortis Insurance Limited are registered at the Financial Services Authority (FSA)