What does car warranty cover?

Good, honest  peace of mind

What’s Covered

 What does One Car Warranty cover? The cost of repairing or replacing mechanical & electrical parts of your car including labour costs (max £70ph) and VAT following a Mechanical Breakdown.
Our policy covers so many parts its actually easier to list what’s not covered than what is! 

Policy terms & conditions

Almost ALL parts covered

One Car Warranty covers almost all of your cars Mechanical and Electrical parts, including but not limited to:  Engine, Gearbox, Torque Converter, Clutch (excluding where the condition is due to wear & tear or the clutch is burnt out), Front & Rear Wheel Drive Systems, Four Wheel Drive System, Wheel Bearings, Propshaft, Fuel System, Cooling System, Air Conditioning, Steering System, Turbo, Suspension System, Braking System (Excluding brake pads, discs, shoes & calipers), Electrical System, Entertainment & Communication Systems, Casings.

The only parts NOT covered are listed under WHAT IS NOT COVERED

Key features

 No limit on the number of claims you can make
Claim up to the purchase price of your vehicle in total 
Failure due to wear & tear included
Contribution towards towing in & hire car available
Air Conditioning System included as standard

Claim up to £5,000 per claim 
No excess

Up to 1 hour diagnosis & reprograming costs if required
Entertainment & Communication Systems included
National network of approved repairers

What’s not covered

Running a car has costs, the most obvious being fuel, insurance, tax.
Then there is the cost of servicing and maintenance. A warranty does not remove these costs and your car is more likely to require maintenance than incur a failure. The difference is that you can and should plan for servicing and maintenance costs and those costs are usually not as much as the cost of failure.
Policy terms & conditions

Excluded parts

Other providers may include some of these parts. However, they are likely to only fail due to an exclusion. We think that’s misleading so we simply don’t cover these parts: Catalytic Converter and Exhaust – All parts including Particulate filter, Air bags and systems (inc. switches, modules and control unit), Brake calipers, Main battery on electric vehicle, Wiring harness, wiring terminals Linkages, cables, lock barrels, keys, key fobs, drop links, window regulators & cables Timing chain tensioner & connected electronic devices, Auxiliary drive belts, tappings Fuel tank All bodywork handles and hinges, brackets, mountings, supports, brightwork, paint, glass (including front & rear heated screens & elements), weatherstrips, rubber seals, sheet metal, wiper arms, wheels, fixings and fastening devices Interior/exterior trim, sunroof panels, carpets, seat belts  Any part or accessory not in the manufacturer’s original specifications, Parts which are of faulty manufacture or design, Parts not fitted as standard or as an optional extra by the manufacturer.

Serviceable Parts

Parts that need to be replaced at regular intervals as part of servicing and maintaining your car. Some at specific age/mileage intervals. These are: Brake discs, brake pads, brake lining/shoes Bulbs, lamps/lenses, batteries, fuses Clutch where the condition is due to wear & tear or the clutch is burnt out • Timing belts (Are covered as long as they are changed in line with the manufacturers schedules) Auxiliary drive belts, rubber hoses, pipes and unions Auxiliary parts such as plugs, points, condenser, distributor cap, rotor arm, HT leads, filters Wiper blades, tyres • Consumables such as oil, antifreeze, washer fluid, grease, AdBlue. Any other parts subject to routine maintenance or periodic replacement as recommended by the manufacturer.


These are faults that are not covered by the policy or things that will cause a claim to be rejected.

Any claim where the repair has not commenced within 14 days of the fault being reported and authorised by the Administrator
Any claim where the Vehicle is being used for an excluded purpose
Any fault reported after the expiry date of the Policy
Any claim for repairs not authorised by the administrator
MOT exhaust emission failures
Faults due to use of contaminated or incorrect fuel
Remaking of disturbed electrical connections
Wheel alignment/balancing, adjustments
Any damage caused by fire, accident or any road hazard whether or not insured under any motor insurance or accidental damage Policy; caused by war risks, sonic booms or nuclear radiation
We do not provide cover for anyone other than the named policyholder and we accept no no liability for physical injury
We will not cover local tax if the repair is completed outside of the UK
Your policy will be cancelled if you fail to provide a picture of your vehicles dash within 48 hours of purchasing cover.

Any claim which is reported to the Administrator more than 14 days after the relevant fault is discovered
Any claim if you fail to pay the premium when due
Any claim costs above the individual or aggregate claim limit
Any claim when the vehicle has not been serviced in line with the manufacturers guidelines
Any damage caused by: Neglect, corrosion, water ingress or any foreign body or fluid, getting into or onto a part; lack of servicing, the effects of over- heating, whether caused by an insured part or not; freezing, abuse, parts not covered by the Policy, parts which have been fitted incorrectly; or consequential damage
Faults due to the effects of poor repairs, faults or defects which is likely to have existed before the start of this warranty 
Cleaning of fuel lines, filters, carburetors and pumps/nozzles
Decarbonisation, and failures caused by the build-up of carbon deposits (including burnt valves

Vehicles NOT eligible for cover

Cars over 7 years old, more than 80,000 miles at the time of purchasing cover
Cars without a valid MOT
The following makes/models are excluded: 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. Kit cars, Grey imports and any make of vehicle unless manufactured as right-hand drive for the UK market; and any vehicle not mentioned in Glass’s Guide or Non standard, customized or modified vehicles
Motor Homes
Commercial Vehicles above 3500KG, Trailers, Trucks, Heavy Goods Vehicles, Breakdown and Recovery Vehicles and /or any vehicles used in connection with the motor trade
Emergency vehicles, Taxis, Courier Vehicles, Private Hire Vehicles, Daily Rental Vehicles, Buses, Minibuses, Coaches, and any vehicles used in connection with Hire and reward, Chauffeuring or Driving school tuition
Vehicles used in connection with: Road racing, Track days (timed or untimed), Rallying, Pace-making, Speed testing or any other competitive event


Got a question?
We’re here to help

01704 320597
Monday – Friday 9am to 5pm

Most frequently asked questions

Does cover end when my car goes over 80,000 miles?

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.

Does my car need to have full service history?

The manufacturer sets the recommended intervals that your vehicle should be serviced based on distance travelled and time passed.

Having good, clean oil is vital for correct operation of major mechanical components on your vehicle like the engine and gearbox. Oil, air and fuel filters help to prevent damage caused by dirt and debris.

If your vehicle has a full service history, meaning services have been carried out by a VAT registered garage at the recommended intervals then you can purchase our warranty and continue to service the vehicle on that basis.

If your vehicle does not have full service history, for example a service has been missed entirely or carried out late then to have our warranty then you must have the vehicle serviced within 12 months or 12,000 miles,(whichever is sooner) of purchasing the vehicle.

When you make a claim your will be required to prove the vehicles service history, if you cannot then the claim will be rejected. Proof of service is in the form of VAT invoices from a bone fide garage.

Can I use my own local garage?

In all cases you must first call us on 0161 4514803 to report the fault. We will discuss it with you and provide details of our nearest approved repairer. In most cases our approved repairer is within 5-10 miles of your location.

If our repairer is not suitable for you then you are able to use any VAT registered garage. However, they must be able and willing to contact us to discuss the fault and provide relevant information. The warranty has a maximum labour rate of £70 per hour so if your chosen repairer charges more then you will have to cover the difference.

How do the claim limits work?

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.

How do I make a claim?

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.

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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 swapped your vehicle or moved house? Let us know today so we can update your policy.

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