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

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 onecarwarranty.com on 01704 320597 or info@onecarwarranty.com.

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 customerservice@defendinsurance.co.uk

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 financial-ombudsman.org.uk; or
by email at complaint.info@financial-ombudsman.org.uk; 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 swapped your vehicle or moved house? Let us know today so we can update your policy.

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