Full terms
Here we have a deep dive into the terms of our warranties
To make a claim call our underwriters WSG on 0800 0608610 or email
hello@wsgwarranties.co.uk
Definitions
Warranty schedule
The schedule provided by your dealership containing your personal and vehicle information,
and the details of your coverage.
Claim limit
The maximum amount we will pay out per claim, as shown in your schedule. There is no
limit on the number of claims.
Dealer or dealership
The motor dealership from where you purchased your vehicle.
Europe or European cover
Any country which is a member of the EU.
Labour rate
We have a national labour rate across the UK and a higher rate inside the M25. Any labour
rates above this will be your responsibility.
Labour times
The time for the work to be completed in accordance with the published Autodata repair
time guidelines or at our reasonable discretion if no such data exists.
Listed components
The components listed as covered.
Mechanical breakdown and electrical / electronic failure
Mechanical breakdown is the sudden and unexpected breakage or complete failure of a
mechanical part that causes the part to stop working. Electrical or electronic failure is the
total failure of a covered electrical or electronic component which causes the component
to stop working completely.
Period of cover
The date range in which you are covered, as shown in your schedule.
Repairer or garage
The repairer completing the work on your vehicle unless otherwise stated.
Territorial limits
You are covered in the United Kingdom (England, Scotland, Northern Ireland and Wales)
unless we agree otherwise in writing.
Vehicle
The vehicle detailed in your schedule.
We, us, our and Administrator
Warranty Solutions Group Ltd, Suite 69 Midshires House, Smeaton Close, Aylesbury,
Bucks, HP19 8HL. Registered number: 13257955.
Wear & tear
Damage or deterioration of a component(s) that naturally and inevitably occurs as a result
of normal wear or ageing; or when the component(s) reaches the end of its working life.
You, your
The person or company detailed in your schedule.
Warranty overview
Without a warranty in place, you could be facing hefty garage bills should something
unexpectedly go wrong. With thousands of parts covered, a fantastic range of benefits
and our friendly, helpful team on hand to assist whenever you need us, you can relax
knowing your vehicle is in safe hands.
We’ll pay towards the cost of repairs including parts, labour and VAT up to your individual
claim limit. Below is a short comparison of the different plan types - please see the
relevant pages for all levels and the exclusions.
Additional benefits
On top of the excellent coverage your warranty provides, you also get the following
features. Please note: these must be authorised by us in advance.
Car hire
Providing the fault is covered and repair time is over 8 hours, we’ll pay for up to 7 days of
car hire (starting from when the repairs commence) up to £50 per day inc. VAT as part of
your claim limit. Excludes fuel and insurance.
Vehicle recovery
We’ll pay for the cost of recovering the vehicle to the nearest garage up to £75, on covered
repairs, including VAT as part of your claim limit. You will need to arrange the recovery.
European cover
Your plan includes 30 days of European cover. The claims process remains the same.
Reimbursement will be based on the currency exchange rates on the date that the claim
is agreed. Dates of travel may be required to support your claim.
Overnight accommodation
If your vehicle is rendered immobile, we’ll also pay for overnight accommodation or
rail fare, up to £60 including VAT, as part of your claim limit. Receipts will be required.
Drinks and meals are specifically excluded.
Your obligations
To keep your warranty valid, there are a few things you must do:
Have your vehicle serviced regularly in accordance with the
manufacturer’s guidelines by a VAT registered garage. You’ve got 30
days or 1,000 miles (whichever is sooner) from the date the service is
due to have it completed.
Keep hold of the service invoices as we may require them if you need
to make a claim. There’s also a page at the end of this booklet for the
service stamps.
Carry out any routine maintenance as required i.e. topping up or
changing of oils, coolants and antifreeze. We won’t pay for any repairs
if your vehicle isn’t maintained properly.
Follow the claims process on page 11. It’s really easy but we cannot
stress how important this is for your claim to be considered. If you
need assistance, please call us on 0800 0608610.
Don’t ignore any warning lights, signals or gauges as you could make
the problem worse which may affect our decision. Any faults which
might be covered must be reported to us within 7 days.
For vehicles up to 8 years old and under 80,000 miles at the start date.
Please note: wear and tear is included on all covered parts until your vehicle reaches
100,000 miles. At this point, the wear and tear element ceases but everything else
remains the same.
As one of the UK’s best warranties, Platinum includes so many parts - around 6,000 in
fact - that it’s just impossible to list them all! Almost all of your vehicle’s parts are covered
against mechanical breakdown, electrical / electronic failure or wear and tear (with
exception to the items listed later on the page).
For vehicles up to 12 years old and under 110,000 miles at the start date.
This level includes the majority of mechanical, electrical and electronic components under
the following sections. Please refer to the exclusions.
What’s not covered?
Naturally there are some scenarios that we just can’t cover. These are:
•
Any part not listed as being covered under our Silver plan, or any part listed under the
part, fault and repair exclusions on page 10
•
Any part listed under the ‘part, fault and repair exclusions’ on page 10 for Gold and
Platinum
•
You not honouring your obligations on page 5
•
Any vehicle which is not kept in a roadworthy condition and does not meet current
legislation
•
Any repairs which haven’t been authorised by us prior to work being carried out
•
Any faults that were present when your cover started
•
Any repairs not regarded as a mechanical breakdown or electrical / electronic failure
e.g. service, MOT or other general maintenance work, or parts that haven’t failed
but are recommended by the manufacturer to replace or maintain as good working
practice
•
Wear & tear or any part that’s reached the end of its working life (unless you have our
Platinum plan)
•
Consequential damage however caused
•
Any liability for bodily injury, accident / road hazard damage, death, damage to other
property, loss of earnings, out of pocket expenses, theft, war, riot, vandalism or
adverse weather conditions; any loss caused directly or indirectly by a repair; or losses
covered under any other type of insurance, warranty, finance agreement, guarantee or
repair including manufacturer warranties and your motor insurance
•
Any loss where the odometer has been tampered with, altered or disconnected to
affect the mileage
We also can’t cover vehicles under the following sections:
•
Commercial vehicles (including car-derived vans) over 3,500kg. Please note that
commercial vehicles are capped at 2,000 miles per month
•
Modified vehicles unless approved in writing by us within 30 days from the date your
cover starts
•
Custom-built vehicles, vehicles used for hire or reward, racing, competition,
commercial deliveries, off-road use or illegal purposes, or any vehicle owned by a
company, person or employee in the motor trade
Part, fault and repair exclusions
These are the parts or faults that are excluded from our warranty. They’re mostly
bodywork, trim, general maintenance and serviceable items.
Service and consumable items - including but not limited to brake pads & discs,
brake drums, injectors (unless you have our Platinum plan), tyres, bulbs, spark plugs,
fuses, brake & clutch friction material, burnt or worn out clutch components, seized
brake callipers, any seized components, air con recharging, gaskets (excluding head
gaskets), hoses & pipes including blockages, perishable rubber items, oil or fluid leaks
(unless you have our Platinum plan), fuel tanks and clearing of fuel lines, connectors,
air bags, auxiliary drive belts, hardware i.e. bolts and fixings.
Engine and turbo - sprockets, burnt valves and valve seats, cracked blocks or
cylinder heads, cylinder head skimming or refacing, burnt / carbonised valves or
removal of carbon deposits, core plugs, cambelt / chain damage if the cambelt /
chain and associated parts haven’t been replaced inline with the manufacturer’s
recommendations.
Steering - leaks.
Electrical or electronic items - heating elements, glow plugs, connectors / terminals,
wiring, software and software updates, reprogramming or adjustments, tracker
systems, head unit display, radio recoding and light units.
Electric / hybrid vehicle - electric charging cable / socket, wiring and HV cabling,
HV battery housing, HV cells / modules and HV battery cooling and venting.
Bodywork and trim - paintwork, bodywork, chassis, interior, seats, upholstery, fabric
roofs, panoramic sunroof, wheels, glass, locks and catches.
Negligence or driver abuse - i.e incorrect or insufficient oils or lubricants / fluids and
overheating.
Ancillary items - water ingress, corrosion or oxidisation, faulty workmanship or parts,
manufacturer recalls, accidental damage to radiator and A/C condenser, exhaust
systems, exhaust manifolds, emissions, carbon build-up, repairs to rectify issues such
as high oil consumption or poor fuel economy, oil or fluid contamination including
staining or misting, sludge / silt or other waste, waste disposal, key blades, sealing
materials and compounds.
Claim conditions
In addition to the terms on the previous page, there are some other important
things you need to be aware of when requiring claims assistance:
1. We reserve the right to contact garages to discuss potential liabilities, and nominate
the garage and / or the supplier of the parts. We also reserve the right to use
guaranteed reconditioned or exchange parts, and to send any parts away for
reconditioning or inspection
2. Where the repair or replacement of the part(s) or assemblies brings about improvement
or betterment of the vehicle, we reserve the right to require a contribution from you
towards the cost of the repair at our reasonable discretion. We will discuss this with
you before the repairs commence, taking into account the current age and mileage
and the cost of restoring the vehicle to its pre-breakdown condition
3. If the cause of the failure is not evident from the diagnosis, we may need your vehicle
to be stripped or disassembled to some extent for a repair to be considered. This will
only be done on your authority and the costs will be your responsibility at this stage
4. There may be times where we need to instruct an independent assessor to inspect
and report on their findings to establish liability. The results of these findings cannot be
contested except by another independent assessor. In this case, we have the right to:
a) Examine the vehicle
b) Obtain an expert assessment at our expense, the result of which will be binding on
all parties
c) If following specific arrangements for the inspection the vehicle is not available or
the assessor is unable to carry out the report (for instance if the vehicle is not
stripped), we will deduct fees for the second inspection visit from the authorised
claim amount
5. Repair times are calculated inline with the repair times definition on the contents page
at the agreed labour rate. Our liability will be based on the repair times as shown for
the specific repair
6. 7. All repairs must be registered with us within 7 days of their occurrence
You may be required to provide proof of servicing with a recent service invoice from a
VAT registered garage before a repair can be considered
8. You have 3 months from the date the authorisation code is provided to submit
the invoice to us for payment. After this time, the claim will be cancelled and no
reimbursement is possible
9. This warranty is limited to one repair of each covered part
10. If more than one covered part has failed at the time your claim is agreed, it will be
dealt with as one repair
11. If you are VAT registered, the VAT element will not form part of any claim against us
12. In the event of a false or fraudulent claim, your warranty will be invalidated. We also
reserve the right to prosecute in all cases
General conditions
1. No part of this document may be altered without our consent. Your warranty is in
addition to any legal rights that may apply.
2. Your warranty is governed by English law and this is the law we will use unless you
ask us for another and we agree to it within 30 days of the date that your cover starts.
Any communications regarding your cover will be in English.
3. You must give us all of the information and help that we require in order to provide
service under your plan. This also applies where we wish to enforce any rights against
any manufacturer, repairer, supplier or other party.
4. You must comply with all of the terms and conditions of this warranty, including ‘Your
obligations’ on page 5. Any liability we may have depends on your compliance with
these terms and on the truth of your statements.
5. If you give us incorrect information, we may consider your application fraudulent
and reserve the right to cancel it with no reimbursement. Where we have made any
payments as a result of your dishonesty or exaggerated behaviour, your cover will be
invalidated with immediate effect and you will again not receive any reimbursements.
We also reserve the right to take legal action against you to reclaim any repair payments
made. Any legal proceedings will be held in the courts of England and Wales.
6. You must allow us free access to examine the vehicle at all times.
7. You are responsible for authorising the repairer to commence the work required and
for paying the costs involved if the work proves that the repair is outside of our liability.
8. Subject to our approval and at our absolute discretion, we’ll offer you the opportunity
to upgrade your cover (where eligible) within 4 weeks of you taking it out, and also the
opportunity to renew 30 days before your cover ends. If you’d like to be notified with
these communications, you’ll need to make sure you’ve given us the right permissions
to contact you.
9. Occasionally we may need to amend this warranty in relation to component coverage
or wording, or inline with new laws and regulations. We will advise you of any changes
in writing in advance.
10. We will not tolerate abuse, slander, false allegations or otherwise untoward behaviour
under any circumstances and may cancel your cover at our discretion if any such
behaviour occurs. In these instances, we also reserve the right to begin legal
proceedings to reclaim costs for any damages incurred should we deem necessary.
Other important information
Payments and premiums
If you are upgrading or renewing your cover with us directly, we can take payment by
debit or credit card. If you choose our monthly payment option, we will take the payment
on or around the same date each month. You can choose the date from the options
available. Renewal or upgrade premiums may be amended at any time. If you’ve chosen
to pay by monthly instalments, any outstanding premiums will be deducted from the
authorised claim payment.
Transferring your cover to a new owner
If you sell your vehicle, you can apply to transfer your cover to the new owner providing
they don’t work in the motor trade. A £25 admin fee applies. Please see page 18 for details.
Cancellation
You can cancel your cover within 14 days from the start date.
After the 14 days no refunds are possible.
Discretion
We use our own discretion to ensure that you receive a fair and equitable resolution to
every claim you make. If after following the complaints procedure below you feel that your
complaint has not been resolved satisfactorily, our Directors will be the final arbiters for
the exercise of this discretion. This does not affect your statutory rights.
Your personal data
We are the Data Controller in respect of any personal information you supply which
means that we have a legitimate interest to collect, store and share your data amongst
our group of companies in order to administer your cover and provide you with a service.
For these reasons, we may need to share it with repairers, dealers, suppliers or other
parties where required. We also use your data to contact you for purposes relating to your
cover, direct marketing or to improve our services (opt-in required), or for legal, regulatory
or crime prevention purposes.
You have the right to access and rectify information held about you. You can change your
permissions at any time too by contacting us. For full details on the data we collect, how
we use it and your rights, please visit warrantysolutionsgroup.co.uk/privacy. For any data
queries, please email compliance@wsgwarranties.co.uk or write to Warranty Solutions
Group Ltd, Suite 69 Midshires House, Smeaton Close, Aylesbury, Bucks, HP19 8HL.
Complaints
Occasionally things do go wrong and there might be an instance where you’re not happy
with our service or the decision on your repair. Before you do anything else, please
give us the opportunity to investigate and put things right by sending your complaint to
complaints@wsgwarranties.co.uk or writing to Complaints Manager, Warranty Solutions
Group Ltd, Suite 69 Midshires House, Smeaton Close, Aylesbury, Bucks, HP19 8HL.
Your complaint will be acknowledged within 3 working days and responded to within 14
working days, although it is usually much sooner.