What is Warranty Direct protection and why do I need it?
Every new vehicle comes from the manufacturer with a basic factory warranty.
This agreement states that the manufacturer will repair or replace any
part of the vehicle in the event of a mechanical malfunction for a limited
period or limited number of miles.
Sometimes, even these warranties are not worth the paper they are written on, as was the case for Rover owners in recent times.
Once this warranty expires you have nothing to protect yourself from
expensive vehicle repair costs. Warranty Direct will protect you
for a specified amount of time and/or mileage.
Can't I get this kind of protection through a dealer?
You could, but plan on paying between 50% to 100% more for the same coverage.
Warranty Direct eliminates the middleman and passes the savings on directly to you. What's more, most other
schemes will require you to use specified, and often expensive, repair
facilities. We honour the work of any VAT registered garage. With Warranty Direct you have the freedom to go wherever you like for repairs
I still have time left on my manufacturer's warranty. Why should I bother purchasing your protection now?
Now is precisely the time to buy a warranty because by acting now, you guarantee tomorrow's repairs at today's prices.
My dealer has given me a 3-month warranty, what can I do?
Dealer warranties often give reduced benefits and cover limits. Read
the small print carefully. If the benefits and cover limits are still satisfactory,
you can fix the price by taking out our warranty now. If you make a claim, which is not covered by your Dealer
warranty it might be by ours. If you don't make a claim on our warranty, then we will re-start it from the day
your Dealer warranty expires.
What do I have to do about servicing my car once the policy has started?
You must have your vehicle serviced at a VAT registered garage in accordance
with the manufacturer's recommendations. If
Do You Limit Labour Rates?
At Warranty Direct we want you to be able to choose where you take your
car to be repaired. However we feel that an additional premium should be
paid by customers who want to take their car to a franchised dealer, or an expensive garage, to
have their car repaired, rather than to an approved repairer that is willing to work at our network rate. This is
because franchised dealers charge on average 75% more than
independent garages. Other policy holders, who are happy to use the
independent network, should not subsidise these higher labour costs.
If you wish to use a franchised dealer, but have decided not to pay the
additional premium, we will pay up to our network rate and you will have
to pay the difference between the network rate and the dealers rate for any repairs.
Our network labour rate is £60 per hour across the whole of the UK.
If you choose to take your car to one of our network repairers or an appropriate
independent garage you will benefit from our central billing process
which means that you will not be out of pocket for any length of time
and we will settle directly with the garage.
Please bear in mind that the average booking in time in an independent
garage is 2 days, the average at a franchised dealer is 7 Days.
Using an independent garage, to undertake the repair on your car, WILL NOT affect the resale value of your car. You can still have a full main dealer service history yet have your repairs done at independent garages.
What if I sell my vehicle?
Call us on 0845 052 1175 and we will explain your transfer options.
How does this coverage work? What do I do if I have a breakdown?
Your chosen recovery company will move your vehicle to a VAT registered garage. During open hours the garage can call us for repair authorisation and we can settle any approved claims directly. Outside of opening hours you may have to settle and submit your claim to us for potential reimbursement. If the cause of breakdown is a covered part we will also reimburse you for the recovery costs in the UK & Europe.
How can you give all this protection so cheaply?
This is a direct contract between you and us, thereby eliminating the
middleman - the dealer - who usually marks up the policy by 50-60%.
We also have more experience than anybody else in this sector. Our underwriters
understand the risk and by dealing directly with you, we reduce our costs.
I've heard a lot of people have had problems with warranties from dealers. Why are you different?
We do not deal with dealers and our responsibility is solely to you.
Our business depends on your recommendation, so we will be looking after
you, not a dealer.
Does my car have to have a full service history to get protection from Warranty Direct?
Your car must have been serviced in the past year to get full protection
from Warranty Direct; it does not have to have a full service history.
Once on cover you must follow your vehicle manufacturer's recommended
Which types of payment options are available?
We offer two policy types -
Continuous policies which enable you to
pay by direct debit continuous authority until you decide to cancel the
scheme. The first month's payment for
this scheme must be paid by a suitable debit or credit card.
Annual policies for either one, two or three
years. These can be purchased online and paid for in one payment -
Alternatively you can call us on 0845 052 1175 to arrange to spread the
payments with installments.
Do these policies have an excess?
The standard excess per claim is £50, this can be removed from the policy (for an additional premium) by calling us on 0800 097 8839. If you have a policy the details of your excess can be seen in the schedule of your policy document.
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