What is Covered
SELECT 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 of any age and any mileage at the date of inception.
BENEFITS
WHAT PARTS ARE COVERED?
If during the period of insurance your vehicle suffers a mechanical breakdown within the territorial limits of the policy, we will cover the cost all of the parts listed and the associated labour, up to the claim limit specified on the proposal form, but subject to any lower limits applicable to a particular part.
This insurance covers the vehicle against the breakdown of mechanical and electrical components listed under the following headings. Any item not specifically mentioned is not covered.
BRAKES
Master cylinder, wheel cylinders, restrictor valve, calliper seals and servo. (Excluding seized callipers).
CASINGS
The following casings are only covered if their failure is a direct result of a failure of a covered component and will constitute part of the total claim subject to the policy limits: Cylinder block, cylinder head, gearbox casing, axle housing.
CATALYTIC CONVERTER
The cost of replacement of the insured vehicle's catalytic converter(s) following failure of the exhaust gas to meet the relevant in-service emissions standard subject to the following:
- The catalytic converter being found to be no longer serviceable.
- The results of the failed test being made accessible to the claims department before authorisation is requested.
- The results printed out from a successful test following the replacement are submitted to the claims department with the repair invoice.
CLUTCH
Centre plate, pressure plate, release bearing master and save cylinders. (Excluding burnt out parts and wear and tear).
ENGINE
The rocker assembly, including hydraulic followers, inlet and exhaust valves (except carbonised, burnt, pitted and sticking valves), springs and guides, cylinder head gasket, push rods, camshaft and followers, timing gears and chains (excluding tensioner), oil pump, pistons and rings, con-rods, gudgeon pins and bearings, crankshaft and bearings, inlet manifold, flywheel and ring gear.
MANUAL GEARBOX
All internal components contained within the transmission casing.
DRIVE AXLE
Internal crown wheel and pinion, gears, shafts, bearings and bushes, thrust washers and spacers, drive shafts, propshaft, half shafts, including constant velocity joints, hubs, universal joints and couplings. Excluding gaiters.
ELECTRICAL SYSTEM
Starter motor, starter solenoid, alternator, coil, window and sun roof motors, electric window switches, sunroof switch, central locking motor and pump, heater fan motor, indicator flasher relay, distributor, front and rear windscreen wiper motors, electrical fuel pump, windscreen washer motors, electronic ignition amplifier, thermostatically-controlled radiator fan motor, horn, multi-function stalk switch and tank sender unit.
ENGINE COOLING SYSTEM
Water pump, viscous fan coupling, thermostat and thermostat housing, expansion tank, heatermatrix, oil cooler, and radiator are covered for breakdown. Excluding frost damage.
ENGINE MANAGEMENT (ECU)
Engine electronic control unit.
FRONT AND REAR SUSPENSION
Hydro pneumatic spheres, coil springs, upper and lower wishbones and ball and swivel joints.Excluding bushes.
FUEL SYSTEM
Throttle body, airflow meter, idle control valve, cold start valve, warm-up regulator, overrun cutoff valve, throttle potentiometer, fuel accumulator, pressure regulator, map sensor, carburettor, automatic choke, lift pump, mechanical fuel pump. Excluding breakdown as a result of contamination or failure to meet current emission legislation
STEERING (INCL. POWER ASSISTED STEERING)
Steering rack and pinion, steering box, pump and idler box. Excluding power steering belts, external links and joints, rubber boots, swivel pins and oil leaks.
TIMING BELT
If the timing belt has been changed in accordance with the time or mileage requirements specified by the manufacturer (receipt required) it will be covered against mechanical breakdown
WHEEL BEARINGS
Front and rear wheel bearings
WORKING MATERIALS
Should any authorised repair to any of the above components require essential replacement or topping up of lubricants, oils or coolant or replacement of the oil filter these shall be covered as part of the total claim, within the policy limits.
NOTE
Those components covered are covered against mechanical or electrical failure
due to sudden and unexpected circumstances. The replacement of oil filters,
lubricants, antifreeze and fluids is included provided the replacement is
necessitated by the failure of a warranted component.
External oil leaks are specifically excluded.
Please note: Where the failure has been confirmed on a
diagnostic machine, a computer print-out detailing 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)