Warranty Plan Terms

Warranty Introduction

Important Notice

Scope of Warranty

This Warranty Plan provides discretionary cover for the cost of parts and labour required to repair the Mechanical / Electrical Failure of covered components that occurs during the warranty period and arises from normal use of the vehicle. Repairs must fall within the terms of this agreement and are subject to the stated exclusions, mileage limits, and fair usage policies. Cover does not extend to faults, damage, corrosion, contamination, short-circuiting, or component failure resulting from accidents, environmental conditions, or external influence, including (but not limited to) collision damage, kerb impacts, pothole strikes, road debris, misuse, vandalism, fire, theft, flooding, water ingress, or exposure to external water or moisture, including through washing, car washes, pressure washing, or driving through standing water. Any resulting cracking, bending, breakage, corrosion, electrical malfunction, or mechanical failure is not covered. This does not affect cover for consequential damage caused solely by the Mechanical / Electrical Failure of a covered component where no excluded accident, environmental condition, water ingress, or other external influence is involved.

Updates to Warranty Terms

At Cover Me Warranty, we believe in being clear and transparent, so customers know exactly what is and is not covered. From time to time, we may update these Warranty Terms to make them clearer, to add further detail on specific components, or to reflect how we handle real repair situations in practice. These updates are intended to improve transparency and prevent misunderstandings about the cover provided. Where we add extra requirements or clarifications, it is to ensure that customers understand their entitlements and responsibilities under the plan. The current version of these Warranty Terms is always available on our website and can be viewed at any time. We will rely on the version published here as the most accurate and up-to-date description of the warranty.

What is Covered

The Warranty Plan covers factory-fitted mechanical and electrical components fitted to the vehicle by the manufacturer, provided they are free from known or pre-existing faults at the start of the plan and subject to these terms. This includes both core operating systems and factory-fitted ancillary systems, such as convenience, comfort, access, assistance, lighting, roof, security and infotainment features, unless excluded elsewhere in these terms. All component categories listed in this section are included as standard under this Warranty Plan, and we do not require the purchase of optional add-ons to extend cover for specific systems, components, or conditions. Cover remains subject to the exclusions, servicing requirements, authorisation process, repair limits, and pre-existing fault assessment rules set out in these terms. The Warranty Plan is intended to cover the sudden and unexpected failure of covered factory-fitted mechanical and electrical components. It may also cover wear-and-tear-related issues, but only where they have progressed to a confirmed Mechanical / Electrical Failure or a confirmed loss of intended function requiring repair during the period of cover. For the avoidance of doubt, factory-fitted ancillary electrical and mechanical features are included under this Warranty Plan in the same way as core operating components, subject always to these terms. However, where a repair request is made within a short period after the Plan Purchase Date for a fault affecting a non-essential factory-fitted feature that does not materially affect the vehicle’s ability to start, drive, steer, brake, charge, remain roadworthy, or comply with legal requirements, we may assess the request with particular regard to the timing of the report, the mileage covered since purchase, the age and mileage of the vehicle at the Plan Purchase Date, the nature of the fault, and whether the issue is reasonably likely to have been present, intermittent, developing, or discoverable before purchase or during the Initial Exclusion Period. In such cases, cover remains discretionary, and the repair request may be declined if the available evidence reasonably suggests the fault is pre-existing or inconsistent with a new failure arising during the period of cover. It is not intended to cover cosmetic items, serviceable or consumable items, routine maintenance items, non-factory modifications, or features excluded elsewhere in these terms. Examples of covered parts include, but are not limited to:

Breakdown Cover

What is Not Covered

Vehicle Eligibility and Use

1. The vehicle must not exceed an average of 2,000 miles/month (24,000 miles/year). If the mileage limit is exceeded, we may take this into account when assessing a repair request. We will not decline a repair solely because your mileage exceeds this guideline, but we may decline or limit cover where there is clear evidence that the excessive use has directly contributed to the failure.
2. If you change your vehicle during the term of your cover, you may request to transfer your plan to a new vehicle. Approval is at our discretion and is subject to the replacement vehicle meeting the same eligibility criteria, including age, mileage, and brand restrictions, and complete documentation being provided. At the time of the transfer request, there must be no open, pending, disputed, or recently authorised repair requests relating to the previous vehicle. Any approved transfer will apply only for the remaining term of the original plan. A previous approved or paid repair request on the previous vehicle will not automatically prevent a transfer request from being considered, but we may decline a transfer where claim history, risk, fraud-prevention checks, or vehicle eligibility mean it is not appropriate for us to continue cover.

Plan Start, Limits and Cancellations

1. A repair request cannot be made until both of the following have been reached: (1) at least 30 days have passed since the Plan Purchase Date, and (2) the vehicle has travelled at least 1,000 miles for cars and vans, or 500 miles for motorcycles. Cover begins on your Plan Start Date, once activation has been completed. Any fault that appears, is reported, is diagnosed, or would reasonably have been apparent before both of these requirements have been met is not covered by this plan (see ‘Initial Exclusion Period’ in Definitions). In addition, where a repair request is made within a short period after the Plan Purchase Date for a fault affecting a non-essential factory-fitted feature that does not materially affect the vehicle’s ability to start, drive, steer, brake, charge, remain roadworthy, or comply with legal requirements, we may assess that request on a more discretionary basis with regard to the vehicle’s age, mileage, usage, mileage covered since purchase, and whether the fault is reasonably likely to have been present, intermittent, developing, or discoverable before purchase or during the Initial Exclusion Period.
2. You must activate your Warranty Plan by following the instructions in your activation email or online account within 30 days of the date of purchase, including confirming your vehicle details and starting mileage and providing any evidence we reasonably request (such as a clear dashboard image). Until you complete activation, we may treat the plan as not in force, refuse or limit repair requests, and if activation is not completed within 30 days we may suspend or cancel your Warranty Plan and decline cover at our reasonable discretion.
3. Maximum repair limits - Cars/Vans: £3,000 per approved repair, or £6,000 per approved repair with enhanced cover. Motorcycles: £2,000 per approved repair, or £4,000 per approved repair with enhanced cover. There is no overall limit on the number of repair requests that may be submitted during the warranty period, subject always to these Warranty Terms, the applicable per-repair limit, exclusions, servicing requirements, authorisation process, and discretionary assessment. Enhanced cover increases the maximum repair limit only. All other terms, exclusions, and requirements remain the same. A customer may request to upgrade from the standard repair limit to the enhanced repair limit within 30 days of the Warranty Plan Purchase Date. No upgrade to enhanced cover will be permitted after that 30-day period.
4. You may cancel your Warranty Plan within the 14-day cooling-off period from the purchase date, provided no repair requests have been approved or paid. If you are eligible, a full refund will be issued. Nothing in these terms affects your statutory rights. After the 14-day cooling-off period, you do not have an automatic right to cancel this plan and we do not normally accept cancellation requests after this period. However, we may, at our sole discretion, agree to cancel a plan in exceptional circumstances. We may only consider a mid-term cancellation where no repair requests have been submitted, authorised, approved or paid, and there are no pending investigations, diagnostics, authorisations, or agreed repairs. If we agree to cancel, any refund (if any) will be calculated pro rata based on the remaining full months of cover and may be subject to fees, deductions and administration costs. If fees and deductions equal or exceed the refundable balance, no refund will be due. Refunds are paid to the original payment method (or via your finance provider’s process, where applicable).
5. If you pay for your Warranty Plan through one of our approved finance providers (Payment Assist or Bumper), your finance agreement is separate from this Warranty Plan. If you miss payments, your finance provider may charge fees, report missed payments or take legal or recovery action. Missing finance payments does not, by itself, cancel your Warranty Plan or entitle you to a refund. Your cover will continue in line with these Warranty Terms unless we confirm in writing that it will be suspended or cancelled. You are responsible for keeping your finance repayments up to date and, if you have difficulty making payments, you must contact your finance provider to discuss your options. We are not a party to, and cannot change, the terms of your finance agreement.
6. We may, acting reasonably, refuse, suspend or cancel your Warranty Plan if our internal eligibility, risk or fraud-prevention checks, or your conduct towards our staff or business, mean we do not consider it appropriate to provide or continue cover. This may include concerns about information you give before purchase, unreasonable or harassing communications, or bad-faith allegations about our business or services. We will act fairly when making these decisions and, where possible, explain the main reason. If we cancel your plan, any refund will be at our reasonable discretion and may involve pro rata or other fair deductions.

Pre-Existing Faults

1. We do not cover any fault, defect, condition, deterioration, intermittent issue, or damage that existed before the Plan Purchase Date, whether or not it was known, declared, diagnosed, producing obvious symptoms, or already recorded as a warning or fault at the time of purchase.
2. A fault may be treated as pre-existing where, in our reasonable opinion, the available evidence indicates that the underlying cause of the issue was developing, intermittent, discoverable, or present before the Plan Purchase Date. This includes, without limitation, prior symptoms or irregular operation, stored diagnostic trouble codes (including historic or pending codes), freeze-frame data or other logged events, warning messages, technician findings, physical evidence of wear or deterioration, contamination, overheating, oil starvation, corrosion, progressive damage inconsistent with sudden onset, prior repair recommendations, advisories, inspection notes, incomplete repairs, customer-reported history, or the timing and nature of the repair request when considered against the vehicle’s age, mileage, and mileage covered since purchase.
3. If a fault is intermittent, occurs only under certain conditions, affects only selected functions or features, or becomes more apparent over time, it may still be classed as pre-existing if the underlying cause likely existed before the Plan Purchase Date, or would reasonably have become apparent before both of the following had been reached: (1) at least 30 days had passed since the Plan Purchase Date, and (2) the vehicle had travelled at least 1,000 miles for cars and vans, or 500 miles for motorcycles. This applies equally to core operating components and to non-essential factory-fitted features such as comfort, convenience, access, assistance, lighting, roof, security, and infotainment functions.
4. Where a repair request is made shortly after the Plan Purchase Date for a fault affecting a non-essential factory-fitted feature, and the component condition, nature of the complaint, mileage covered since purchase, inspection findings, vehicle age, vehicle mileage at purchase, or diagnostic evidence reasonably indicate that the deterioration, symptoms, intermittent issue, or underlying cause must have been present, developing, or reasonably discoverable before the Plan Purchase Date or during the Initial Exclusion Period, we may treat the fault as pre-existing. In such cases, we may, at our sole discretion, consider making a partial contribution towards the cost of the repair, although we will not be obliged to meet the full cost and may decline the repair request where appropriate.
5. You must provide accurate information and supporting documentation we reasonably request to assess when the fault began and what caused it. Failure to provide requested information may result in delay, limitation, or decline of the repair request.

Servicing and Maintenance

1. Keeping your vehicle serviced and maintained in line with the manufacturer’s recommended schedule is a condition of cover. Servicing and maintenance must be carried out by a reputable garage using OEM or manufacturer-approved parts. You must keep evidence of servicing and maintenance (for example invoices, job sheets, and service book entries including dated stamps where applicable). If these requirements are not met, your cover may be affected or invalid and we may reasonably decline repair requests.
2. If your vehicle does not have an up-to-date service record at the Warranty Plan purchase date, you must arrange and complete a full service within 30 days of the Warranty Plan purchase date and keep to the manufacturer’s schedule thereafter, with proof provided. If you do not complete this service within 30 days, your cover may be affected or invalid and we may reasonably decline repair requests.
3. We will not decline a valid repair request solely because previous vehicle owners did not follow the manufacturer’s schedule, provided you comply with the servicing and maintenance requirements in this section from the Warranty Plan purchase date onwards. However, we may reasonably refuse a repair request (and your cover may be affected or invalid) where servicing or maintenance has been missed, significantly overdue, not completed to the manufacturer’s specification, or otherwise contributed to the failure.
4. This Warranty Plan does not cover routine servicing needs, preventative replacement, or the replacement of parts that are worn or deteriorated but have not yet suffered a confirmed Mechanical / Electrical Failure or confirmed loss of intended function requiring repair.

Parts, Repair Methods and Repairers

1. We will, in the first instance, authorise the use of manufacturer approved parts from reputable suppliers for all valid repair requests. Where such parts are not available or appropriate, we will authorise original equipment (OEM) parts. In some cases, where it is suitable for the vehicle, cost effective and in line with normal motor trade practice, we may instead authorise the repair or reconditioning of the existing part or the supply of a quality reconditioned or exchange unit, including but not limited to the following commonly reconditioned items: Diesel Particulate Filter (DPF), catalytic converter, turbocharger, EGR valve, gearbox/transmission, power steering rack/electric steering column, alternator, starter motor, ABS pump/modulator unit, fuel injectors, high-pressure fuel pump, differential/final drive unit, air conditioning compressor, and more. We reserve the right to authorise the most economical suitable repair solution.
2. When a valid repair request is approved, we will in most cases authorise the work to be carried out by a reputable, VAT-registered independent garage. Where the nature of the fault means it cannot reasonably be repaired by an independent garage, we may authorise repairs at a manufacturer-specific specialist. If neither an independent garage nor a specialist is able to complete the repair and it can only be carried out by a main dealer, we will authorise repairs at the main dealer. In all cases we will approve the most appropriate and cost-effective repair option for the vehicle and the fault.
3. Diesel Particulate Filter (DPF) repair requests will first be authorised for a professional DPF clean and/or regeneration. If the DPF cannot be restored to normal operation, we may authorise removal and reconditioning. Where reconditioning is not viable, we may authorise replacement with a reconditioned DPF unit. Only where these options are not suitable will we consider a manufacturer-approved or OEM replacement.

Handling of Related Faults

For related multi-fault repair requests, we may proceed sequentially, approving further parts only after re-testing with objective evidence, without extending coverage beyond the plan’s terms, limits, and exclusions. This means that where a single failure results in more than one fault code, warning light or suspected component, we may first authorise the most likely or primary repair, then ask the repairer to re-test the vehicle once that work has been completed. If the re-test shows that additional covered components have also failed, we may then consider those as part of the same repair event. This process is used to prevent unnecessary or speculative replacement of multiple parts when only one part has actually failed, and to ensure the repair stays within the approved method and repair limit for your plan.

Priority of These Terms

If there is any difference between these Warranty Terms and any marketing, social media or FAQ content, these Warranty Terms will apply. This is because marketing and social media content are intended to provide a simple overview, not a full description of the cover, and any advertising statements (including comparisons or “best” claims) should be read as general marketing summaries and must not be relied upon as a complete description of the cover. These Warranty Terms outline the complete, current, and accurate details of what is and is not included, along with any applicable timings, limits, or conditions. In all such cases, the wording published on this Warranty Terms page will be the version we rely on when assessing a repair request. For the avoidance of doubt, references in marketing or sales wording to covering “all factory-fitted mechanical and electrical parts”, or similar wording, are always subject to these Warranty Terms, including the rules on pre-existing faults, confirmed failure, the Initial Exclusion Period, and the Early-Life Non-Essential Fault Assessment.

Indirect or Consequential Losses

This plan does not cover indirect or consequential losses. This means we will not pay for costs or losses that result from the fault or the repair process, but are not directly related to the actual mechanical or electrical repair itself. This includes (but is not limited to) any loss of income, missed appointments, travel or accommodation costs, vehicle hire costs, storage charges, recovery charges not authorised by us, or general inconvenience caused by a fault, delays in diagnosis, parts availability, or the time it takes to complete the repair. The Warranty Plan is designed to pay for the covered repair of the vehicle under the plan’s terms, limits, and exclusions. It is not a replacement for motor insurance, breakdown membership add-ons, business interruption cover, or any product that pays out for time, inconvenience, or knock-on effects. Nothing in these terms limits or excludes any liability that cannot be limited or excluded by law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation. This does not affect our coverage for Consequential Damage to other covered vehicle components.

Definitions & Terms

Making a Repair Request

Before any repairs begin, you must:

1. Contact Cover Me Warranty with a detailed description of the issue (including when it started, any warning lights, noises, leaks, loss of power, driving issues, or other symptoms).
2. Provide any supporting documentation requested so we can assess the repair request in detail. This may include (where relevant) diagnostic reports and screenshots/printouts, photos or videos of the fault and/or warning lights, current mileage confirmation, service history and invoices.
3. Provide a photograph of your vehicle dashboard and, if requested, proof of ownership and identity (for example your V5C log book and driving licence). We will only request information that is relevant and may accept suitable alternatives where appropriate.
4. Choose a reputable VAT-registered garage within the United Kingdom (unless we have agreed otherwise in advance). You may suggest your preferred garage, or speak to us for advice on a recommended local repairer, but you must obtain prior authorisation from Cover Me Warranty before any repairs begin, before any parts are ordered, and before any diagnostic work beyond initial fault identification is carried out, including any dismantling or strip-down.

Independent Inspection & Access

We reserve the right, at our discretion, to appoint an independent qualified engineer or inspector to inspect the vehicle and/or any failed component at any stage of the repair request process. This may be required before authorising diagnostics, strip-down, repair, replacement, or payment under this Warranty Plan. You must provide reasonable access to the vehicle and cooperate fully with any inspection request. No repairs, dismantling, or strip-down work should be carried out until such inspection has taken place and authorisation has been given by us, unless we have expressly agreed otherwise in writing. Failure to allow or cooperate with an inspection, or commencing work without authorisation, may result in the repair request being delayed, limited, or declined. Where an inspection confirms that a fault is excluded or not covered under this plan, any associated diagnostic or strip-down costs will remain your responsibility. We may also require retained parts to be made available for inspection following removal, where reasonably practicable. When assessing whether a fault is covered, including whether it is pre-existing or occurred in the Initial Exclusion Period, we may rely on evidence including, without limitation, diagnostic reports and live data, fault code history and freeze-frame data, technician findings, photographs/video, service history and invoices, MOT history/advisories, inspection reports, and independent engineer/inspector conclusions, as well as evidence of the component’s physical condition, degree and pattern of wear, contamination, overheating, corrosion, material fatigue, slack or play measurements, leakage severity, and whether the condition is consistent with recent onset or long-term deterioration. Where evidence indicates that the underlying cause existed before the Plan Purchase Date, or would reasonably have been apparent during the Initial Exclusion Period, the repair request may be declined in line with these Warranty Terms. However, we may, at our sole discretion, choose to make a partial contribution towards the cost of a repair without accepting the repair request in full or being obliged to meet the full cost.

Repair Process

Out-of-Hours Repairs: If a fault occurs outside our business hours and you arrange urgent diagnostics or repairs without prior authorisation, you do so at your own risk. Keep all evidence and paperwork (including diagnostic reports, photos/videos where possible, and itemised invoices/receipts). Where appropriate, we may consider retrospective reimbursement on a discretionary basis, limited to the work and cost that we would have authorised under your plan terms.

Out-of-Hours Procedure

If a breakdown occurs outside of business hours, and the vehicle requires urgent attention:

1. Breakdown occurs outside business hours and urgent attention is required - If you cannot reasonably wait for our normal process, you may arrange urgent assistance.
2. Proceed at your own risk - Any diagnostics or repairs carried out before we can authorise them are done at your own risk.
3. Keep evidence and paperwork - Retain all itemised invoices/receipts and any diagnostic evidence (for example: diagnostic report, fault codes, technician notes, photos/videos where relevant).
4. Submit a repair request as soon as possible Submit your repair request and include the invoices and evidence as part of the request.
5. We review the request under the plan terms - We will assess whether the repair is eligible and what contribution, if any, can be considered.
6. If approved, reimbursement may be made on a discretionary retrospective basis - Any retrospective contribution will be limited to the labour rate, parts prices, and repair method we would have authorised had the normal procedure been followed.

Discretionary Support Statement

Contact Information