One Car warranty

One car warranty covers almost all Mechanical & Electrical components fitted to your car as standard, including in car entertainment, communication and air conditioning.

We even contribute towards wear & tear, diagnosis, recovery, car hire and no excess to pay.

Whats covered on one car warranty IconWhat is covered?

No policy covers everything but this is as close as your going to get from a used car warranty. Our policy will cover almost all mechanic or electrical failure, including wear & tear. With no limit on the number of claims per year and no excess when you claim. Read More

What are the car warranty claim limits iconWhat’s the claim limit?

You can claim up to £5,000 per claim, including parts, labour (max £70ph) and VAT. You can make as many claims as you need to, up to the purchase price of your car. So if you paid £22,000 for your car last year, that is your total claim limit. Read More

Whats not covered by one car warranty ico What’s not covered?

Not every breakdown/fault will be covered, that’s a fact with every used car warranty, not just ours. You are still responsible for the cost of maintaining & servicing the vehicle. Any repair costs not covered by a warranty are up to you to pay for. Read More


  • A used car warranty cant replace the manufacturers warranty in full.
  • Manufacturer warranty only lasts a few years, typically 3 years or 60,000 miles.
  • The manufacturer/dealer may offer an extended warranty, it wont be as good as the original warranty and will likely be very expensive.
  • Once the manufacturer warranty expires you are left covering the cost of parts, labour and diagnostics.
  • No two used car warranties are the same, with some providers having different levels of cover, itemised parts only and “add-on’s”. Some have an excess to pay or require you to pay a contribution towards the cost of repairs.
  • Some providers supply a non insured warranty, often meaning if they cease trading your warranty likely will too. You wont have the support of the FOS & FSCS and they don’t have to abide by the rules of the FCA.


  • Our policy is likely a lot cheaper than the manufacturers/dealers warranty and other online providers.
  • Cover is for almost ALL Mechanical & Electrical parts, including wear & tear. What’s not covered is specifically stated.
  • £5,000 per repair Claim Limit and a total Claim Limit of the purchase price your car.
  • No excess to pay when you claim.
  • Day One Cover
  • Use our national network of approved repairers or go to a garage of your choice, provided they are VAT registered and agreed with us first (max £70 per hour labour rate).
  • Contribution towards recovery, car hire and diagnostics if required.
  • We are fully Authorised and Regulated by the FCA (828724), this policy is fully insured and you are protected by the Financial Services Compensation Scheme (FSCS).
  • Full no quibble refund in first 30 days provided no claim has been made.



Our warranty is designed to cover the cost of unexpected repair costs following mechanical & electrical failure. This video explains what you can expect when making a claim.

One Car Warranty Contact Us


We’re here to help

Please call us if you have any questions

Enquires: 01704 320597   Monday – Friday 9am to 5pm

Claims: 0161 4514803   Monday – Friday 9am to 5pm

Most frequently asked questions

Why would a claim be rejected?

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

Are there any vehicles you do not cover?

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.

What are the policy terms & conditions

You can view the IPID and terms & conditions at any time during the purchase process in our quote app, by clicking the links below our logo. You can also view them here IPID Terms & Conditions

Can I cancel the policy?

Should you change your mind about the policy within the first 30 days you can cancel the policy and a full refund will be provided provided no claim has been made. Thereafter there is no surrender value.

However, should you sell your vehicle privately you can transfer the policy to the new owner, subject to our agreement and £25 admin fee.

How do I make a complaint

If You wish to make a complaint about the conduct of the sale of this Policy, including any information provided as part of the sale, please contact on 01704 320597 or

Defend Insurance handles all other complaints relating to this Policy on behalf of Fortegra Europe Insurance Company. If You wish to make a complaint, please do so:
• by telephone on 0161 451 4804; or
• emailing

Defend Insurance will acknowledge Your complaint promptly and will aim to resolve it within eight (8) weeks from first notification.

If Your complaint within this period, they will notify you in writing to confirm the reasons why. In this case, or if Your complaint is not resolved to Your satisfaction, they will advise You of Your rights to refer Your complaint to The Financial Ombudsman Service, free of charge:
by submitting Your complaint online – please see; or
by email at; or
by telephone on 0207 964 1000; or
by writing to the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, Isle of Dogs, London, E14 9SR UK.

IMPORTANT: The Financial Ombudsman Service will expect You to have followed the above procedure before they accept Your case.

Following this complaints procedure does not affect Your legal rights.

How else can we be of service?

Can I purchase cover? Check to see if your vehicle meets the policy eligibility criteria

Find out more

Did you know?

We also provide GAP Insurance, Tyre Insurance, Cosmetic Repair Insurance and more.

More information

Make a change
Have you moved house, changed number or put a cherished plate on your car? Let us know today so we can update your policy.

Let us know