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 vehicle warranties insurance products regulated by the FCA?
No - Vehicle manufacturers and retailers often provide their own warranty on vehicles they distribute and, in this case, they are the provider of the vehicle warranty. CCP is a leading provider of administration services to manufacturers and vehicle retailers to ensure their customers receive high levels of service when the manufacturer or vehicle retailer is the issuer of the warranty. Vehicle warranties can also be provided as a mechanical and electrical breakdown insurance product and Car Care Plan is authorised by the Financial Conduct Authority (FCA) to administer and distribute insurance products. In this case the provider of the warranty is an insurance company. As the conduct regulator for insurance products, the FCA has rules to ensure clear terms and conditions, a formal complaints processes and access to compensation schemes if the insurer fails and is unable to pay your claim.
How to tell the difference between different types of vehicle warranty
The provider of the warranty will be clearly stated in the terms and conditions of your warranty. There will also be differences in what steps you can take, if you are not happy and wish to make a complaint. If your warranty is provided by a Manufacturer or vehicle retailer, then any complaints are handled through their internal processes. If your warranty is an insurance product any complaint will be handled by the Insurer and then if you are still not happy you have the right to complain to the Financial Ombudsman Service (FOS) for independent review. You will also have access to the Financial Services Compensation Scheme (FSCS) if the insurer fails and is unable to pay your claim. 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).
Warranties can be either FCA regulated insurance products, or warranties provided by either the manufacturer of your vehicle or the retailer of your vehicle.
The retailer of your warranty will inform you whether your warranty is a contract of insurance or not – it will also be clear from your warranty handbook.
<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