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 sudden mechanical or 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 or damage resulting from accidents or external influence, including (but not limited to) collision damage, kerb impacts, pothole strikes, road debris, misuse, vandalism, fire, flooding, water ingress, or theft, or any resulting cracking, bending or breakage. This does not affect cover for consequential damage caused by the sudden failure of a covered component where no excluded accident or 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 all factory-fitted mechanical and electrical components, provided they are in good working condition at the start of the plan. This includes, but is 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. Vehicles recorded as insurance write-offs (categories A, B, C, D, N, or S) are excluded from cover, as they have previously sustained damage that may compromise their safety, reliability, or suitability for warranty protection.
3. If you change your vehicle during the term of your cover, you may request to transfer your plan to a new vehicle. Approval is subject to the replacement vehicle meeting the same eligibility criteria (e.g. age, mileage, and brand restrictions), and complete documentation must be provided.

Plan Start, Limits and Cancellations

1. A 30-day waiting period applies from the date of purchase, during which no repair requests can be made. Cover begins on the later of (a) your Plan Start Date and (b) the end of the 30-day waiting period, and only once activation is completed. Any fault that appears, is diagnosed, or would reasonably have been apparent during the 30-day waiting period will be treated as a pre-existing fault and is not covered by this plan.
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 with enhanced cover), Motorcycles: £2,000 per approved repair (or £4,000 with enhanced cover). Unlimited repair requests may be submitted up to the vehicle's most recent purchase price.
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. After this period, cancellation is not a right and is considered at our discretion. 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.

Servicing and Maintenance

1. A valid service history must be maintained in line with the manufacturer’s schedule using VAT-registered garages and OEM or manufacturer-approved parts. 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 requirements set out in this section after the Warranty Plan purchase date.
2. If your vehicle does not have an up-to-date service record at the plan purchase date, you must arrange and complete a full service within 30 days of the plan purchase date and keep to the manufacturer’s schedule thereafter, with proof provided.
3. We may refuse a repair request where there is clear evidence that missed or significantly overdue servicing has contributed to the failure.

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. 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.

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 or recovery charges not authorised by us, or general inconvenience caused by a fault, by delays in diagnosis, by parts availability, or by the time it takes to complete the repair. The warranty is designed to pay for the covered repair to the vehicle within 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. 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
2. Provide any supporting documentation requested (e.g. diagnostic reports, service history)
3. Provide a photograph of your vehicle dashboard, V5C log book, and driving licence
4. Use only a reputable VAT-registered garage within the United Kingdom (unless we have agreed otherwise in advance) with prior authorisation from Cover Me Warranty

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.

Repair Process

Out-of-Hours Procedure

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

1. You may proceed with repairs at your own risk
2. Keep all invoices and diagnostic evidence
3. Submit these as part of your repair request
4. If approved, we may provide retrospective discretionary reimbursement - any retrospective contribution will be limited to the labour rate, parts prices and repair method we would have authorised had our normal procedure been followed.

Discretionary Support Statement

Contact Information