With alternative warranties disputes often arise in respect of wear & tear because they incorporate a "wear & tear" exclusion clause. At the time of any claim it is all too easy for the administrator to refuse your claim by saying; "of course it's broken, the car's done 40,000 miles and it's worn out."

Some companies have also started offering the option to pay extra for "premature wear" cover , we believe that such cover does not treat the customer fairly and is a "weasel word". Don't be confused by anyone offering you a warranty which mentions "premature wear".

All Warranty Direct policies protect you against failure caused by wear & tear because parts can fail due to wear & tear at anytime. Consider these facts, the average motorist covers about 10,000 miles per year so by the end of the normal 3 year manufacturer warranty the vehicle has covered about 30,000 miles - yet 44% of vehicles require repairs in year 4 and many of these repairs can be attributed to 'wear & tear.' So beware of any policy that doesn't offer, or even suggests you don't need, wear & tear cover and always pay any extra demanded if wear & tear is unwisely promoted as an option.

If you are extending an existing manufacturer's warranty* your wear & tear protection will start from day one - otherwise your vehicle's wear & tear cover will start after the first 90 days. We adopt this policy because our years of experience have shown that wear & tear failures arising in the first 90 days on cover are almost always pre-existing faults that were apparent before the vehicle came on cover. Upon renewal, this cover obviously applies from day one. This policy is unique to Warranty Direct and reflects our position as industry leaders for customer service and satisfaction.

If your vehicle is less than 6 years or 60,000 miles old we will pay the full cost of parts and labour. For vehicles over 6 years or 60,000 miles, the table below shows the percentage we will pay depending on the vehicle's age and mileage at the time of breakdown. We always pay the labour cost in full.

Vehicle age or Mileage Parts Labour
Up to 6 years or 60,000 miles 100% 100%
Up to 7 years or 70,000 miles 80% 100%
Up to 8 years or 80,000 miles 70% 100%
Up to 9 years or 90,000 miles 60% 100%
Up to 10 years or 100,000 miles 50% 100%
Over 10 years or 100,000 miles 50% 100%

Our simple chart let's you know exactly where you stand from day one, avoiding dispute and annoyance on your part. Some companies will cover you against wear & tear and then exclude 'normal deterioration' - watch the small print.

A good example of a wear related failure is a failed water pump, which is as a result of worn bearings. This type of claim will be rejected by a warranty policy that does not cover failure caused by wear & tear.

*If continuing a manufacturer's extended warranty the 90 day exclusion period will be applied.


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We have the type of cover that suits you.
  • Parts and labour covered *
  • Recovery
  • Car hire
  • Emergency travel
  • Overnight Accommodation
  • Cover from day one
  • Instant claims authority
  • Direct settlement with garage
  • Your choice of garage for servicing and repairs
  • Failure of timing belts, when failure is within manufacturer's guidelines

* Warranty Direct covers the cost of mechanical or electrical failure. Wear and tear to a covered part and damage to an insured part by an uninsured part is also covered.

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