Product<h2>Warranty</h2>
Every year over a million motorists enjoy peace-of-mind knowing their vehicle is covered with our award-winning warranty programmes.
What is a warranty?
A vehicle warranty is a product that helps cover the cost of repairing or replacing certain parts of your vehicle if they fail due to mechanical or electrical faults. Designed to provide peace of mind, it protects you against unexpected repair bills after the manufacturer’s warranty has expired.
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Are all warranties regulated insurance products?
No - There are typically two types of vehicle warranty – regulated insurance products and manufacturer / retailer guarantees. Mechanical Breakdown Insurance is a regulated vehicle warranty product, meaning it is authorised and overseen by a financial regulator. In the UK the regulator is the Financial Conduct Authority (FCA). This regulation provides added protection for customers, including clearer terms, formal complaints processes, and access to compensation schemes if something goes wrong. A manufacturer / retailer guarantee is not classified as insurance and therefore isn’t subject to the same regulatory protections—so while it still offers valuable cover, the level of oversight and customer safeguards may be more limited.
How to tell the difference between FCA regulated and non-FCA regulated products
Understanding whether your product is regulated by the FCA or not can help you know what level of protection you have. A regulated warranty can be identified by looking for statements in the terms and conditions confirming that the provider is authorised and regulated by the FCA. You should also see references to customer protections, such as access to the Financial Ombudsman Service (FOS) for complaints and the Financial Services Compensation Scheme (FSCS). Regulated products are backed by an insurer and come with clear, structured policy documents and cooling-off rights. A non-regulated warranty , will not mention FCA regulation or the FSCS. The cover is typically provided directly by the seller, and any complaints are handled through their internal processes. While these warranties can still offer valuable cover, they do not include the same independent protections.
<h3><strong>How does a warranty claim work? </strong></h3>
If your vehicle suffers from a mechanical or electrical fault covered by your warranty, making a claim is a simple process:
Visit a VAT registered repairer
When a mechanical or electrical fault occurs, take your vehicle to a VAT registered repairer as soon as possible, reducing the chances of any further damage. They will diagnose the fault and recommend a repair. Ensure you inform the repairer your vehicle is under warranty.
The repairer will contact your warranty provider
Following the initial diagnostic check, your chosen repairer will contact your warranty provider to ensure the repair is covered. If the fault is not covered by your vehicle warranty, you will be informed of how best to proceed. The length of time this will take depends on the severity of the fault, but your repairer should be able to provide an estimate after they diagnose the issue.
Leave your vehicle with the repairer
When your chosen repairer has received confirmation the parts and labour required to repair your vehicle has been approved by your warranty provider, you will be informed of the necessary repairs and the work will be completed.
Collect your vehicle
When the repairs have been completed your repairer will let you know, and you’ll be free to pick up your vehicle at your convenience. Payment for the repairs will often be arranged directly by your warranty provider but check with your repairer. Occasionally, you may be required to pay the bill and claim the cost back from your warranty provider.
<h3><strong>What you’ll need to make your claim</strong></h3>
claimItem1Title Your warranty documentation number
claimItem2Title Your details
claimText2 Eg. Name, Address, Vehicle Registration, etc
claimItem3Title The details of an authorised repairer