One Car warranty

No. Your vehicle must only be less than 7 years old and have covered less than 80,000 miles at the start of the policy. It doesn’t matter how many miles you do after or if your car reaches 7 years old.

You can claim up to £5,000 per claim and make as many claims as you need to up to the purchase price of your vehicle.

The most the warranty will pay towards the labour cost to repair your vehicle is £70 per hour. For example if your chosen repairer charges £60 per hour we will pay £60 per hour, If they charge £80 per hour we will pay £70ph.

Claim limits are inclusive of VAT

For example you purchased the car for £18,000 last year and bought a One Car Warranty today. Your total claim limit is therefore £18,000. In 2 months time your cars electric window motor fails, the motor cost £140 and 2 hours at £60ph to replace including VAT. That’s £260 so well within your £5,000 claim limit and your remaining total claim limit is now £17,676.

Please first call Defend Insurance on 0161 4514803 to report the fault, they will take a few details and advise the claims procedure including your nearest approved repairer.

A warranty claim will be rejected by any provider for pre existing issues. This could be a totally fraudulent claim where cover is purchased because a fault has been discovered. However, it could also be unwittingly. For example a vehicle is recently purchased and a fault is already developing but yet undiscovered. This usually occurs when someone part exchanges a car in because they know there is fault but its intermittent. The car dealer unwittingly sells the vehicle on with this fault and the new owner discovers it once the vehicle is regularly being used.

Excluded or serviceable parts need to be replaced. For example the policy lists Cooling system as covered but pipes/hoses are excluded. These are excluded because they are usually made of rubber, a perishable material.

Neglect: lack of servicing, continuing to drive your car with warning lights on or when its making a strange noise, using incorrect fuel.

Failure to replace parts when required as specified by the manufactures service recommendations, especially timing belts.

Faults caused by external factors such as impact damage or contamination.

Faults to excluded parts

Your vehicle must be less than 7 years old, covered less than 80,000 miles at the time of purchasing our policy.

The following Vehicles are excluded from cover under this Policy:
Bentley, Bristol, Bugatti, Cosworth, De Tomaso, Dorchester, Ferrari, Ginetta, Hummer, Honda NXS models, Lamborghini, Lancia Thema, Lotus, Maserati, Maybach, Mitsubishi 3000GT, Marcos, Noble, Rolls Royce, TVR and Vans above 3500KG. Kit cars, Grey imports and any American make of vehicle unless manufactured as right-hand drive for the UK market.; any vehicle not mentioned in Glass’s Guide, commercial vehicles over 3500kgs GVW, emergency vehicles, buses, scooters, motorcycles, invalid carriers or vehicles used for road racing, rallying, pace- making, speed testing or any other competitive event or any vehicle which has been modified other than in accordance with the manufacturers specifications and any make of vehicle not built for principle sale in the UK.

Please be aware that we can’t cover any vehicles that are used for hire & reward, courier, professional driving tuition or owned/operated by person/business directly or indirectly connected to the motor trade.