Protect4Sure Car Warranty

Benefits, Limitations, Cover, Terms & FAQ can all be found on this page

At Protect4Sure, we’re committed to the principles of Treating Customers Fairly to ensure you have clear and transparent information, know our warranties deliver what you were lead to believe and have the freedom to cancel.

Thanks to the quality of our warranties, we are able to focus on delivering FACTS not marketing.  So, while the policy terms provide full details, and we always recommend you take a moment to read them, this page is designed to accurately set out important information, in plain English, and in one place.

What Is Warranty Insurance?

This is a car warranty, otherwise known as Mechanical Breakdown Insurance.

Protect4Sure warranties provide cover, from day one, towards the cost of repair or replacement of insured parts following mechanical breakdown, or identified as likely to suffer imminent breakdown by a suitably qualified engineer during routine service or MOT up to the claim limit you select.

Levels Of Cover

Protect4Sure provide two comprehensive policies designed to help with the cost of repairs, including labour, VAT and replacement parts.

• All electrical and all mechanical cover
• No excess
• No waiting period - cover starts day one
• No pre-inspection
• Suitable for cars up to 10 years/100,000 (no limit once on cover)
• Failure due to Wear & Tear included for cars up to 6yr/60000m at time of claim
• No service history? No Problem! (see requirements during cover)
• Choice of claim limit up to your cars retail value
• Designed to help with the cost of parts labour and VAT due to
  - Sudden mechanical failure
  - Identified during MOT as likely to suffer imminent breakdown
  - Identified during routine service as likely to suffer imminent breakdown

• See Comparison Chart Of Covered and Excluded Parts

• Listed parts cover
• No excess
• No waiting period - cover starts day one
• No pre-inspection
• Suitable for cars up to 10 years/100,000 (no limit once on cover)
• No service history? No Problem! (see requirements during cover)
• Choice of claim limit up to your cars retail value
• Designed to help with the cost of parts labour and VAT due to
  - Sudden mechanical failure
  - Identified during MOT as likely to suffer imminent breakdown
  - Identified during routine service as likely to suffer imminent breakdown

• See Comparison Chart Of Covered and Excluded Parts

Key Features

Applicable to all Protect4Sure Warranties

• Day one cover as standard more...

  Protect4Sure warranties provide protection from day one, this is included as standard in the advertised premium.

  There is no waiting period or 90-day exclusion clause in any of our warranties.

• No pre-inspection or health check required more...

  Forget 90 day waiting periods.  All Protect4Sure policies cover you from day one without the need to have  a pre-inspection or health-check.

• Zero excess on all claims as standard more...

  Nothing to select, nothing extra to pay, the claim excess is ZERO.

• Your car is not required to have a service history to purchase cover more...

  Whether your car has a full or partial service history or no proof of service, you can still benefit from all the protection of Protect4Sure warranty.

  If your car has no service history, or a partial history where it has not been serviced by a VAT registered garage in the last 12 months, you just need to ensure one is completed within 21 days/750 miles, your car will be covered once this is done.

  Throughout the policy term your car must continue to be serviced as recommended by the manufacturer.

  While the policy terms provide full details, and we always recommend you take a moment to read them, details are explained in the Service Requirements section on this page.

• Choose any level of cover more...

  As long as your car is under 10 years old/100,000 miles at the start of the policy (no limit once cover starts), Protect4Sure policy holders have the choice of either Protect4Sure Elite or Protect4Sure Easy.

  Both offer day one comprehensive protection and value without the requirement of a pre-inspection, or the need to have a full service history (see requirements during cover).

  Both are designed to help with the cost of parts labour and VAT due to
  - Sudden mechanical failure
  - Identified during MOT as likely to suffer imminent breakdown
  - Identified during routine service as likely to suffer imminent breakdown

  Protect4Sure Easy
  Provides cover for listed parts with the option to upgrade to include
  Multimedia Pack
  Catalytic Converters & Diesel Particulate Filters
  Turbo charger including Wear and Tear (if fitted by the manufacturer) for vehicles up to 10 years,100,000 miles at time of claim.

  Protect4Sure Elite
  Provides all electrical and all mechanical cover and the added benefit of failure due to Wear & Tear included for cars up to 6yrs/60000 miles at time of claim.

  While the policy terms provide full details, and we always recommend you take a moment to read them, details can be found in the Insured Parts section on this page.

• Choice of claim limit up to your cars retail value more...

  Protect4Sure offer a choice of claim limits (maximum amounts) that can be claimed for each breakdown.  These range from £1000 per claim all the way up to your cars retail value.

  There is no limit to the number of claims that can be made.

  Like all warranty companies, the aggregate (combined) amount that can be claimed on the policy is the retail value of the car.

• Unlimited claim events more...

  No matter which claim limit you choose, there's no limit to the number of times you can claim on your Protect4Sure warranty.

  Like all warranty companies, the aggregate (combined) amount that can be claimed on the policy is the retail value of the car.

• No annual mileage limit more...

  Protect4Sure Elite and Protect4Sure Easy do not have any restriction in respect of annual mileage.

  Both warranties are available to qualifying cars that are under 10 years / 100,000 miles at policy start and once on cover there is no maximum mileage or age limit, your car will be covered for the term you selected.

• Unlimited age and mileage once on cover more...

  Protect4Sure Elite and Protect4Sure Easy are available to qualifying cars that are under 10 years / 100,000 miles at policy start.

  Once cover starts there is no maximum mileage or age limit, your car will be covered for the term you selected.

• Pay monthly or in full more...

  If you prefer not to pay for your warranty in full, you can spread the cost of any one, two or three year policy by paying a 20% deposit followed by just 9 monthly payments.

  If you choose to pay monthly, Protect4Sure keep costs low by collecting your monthly payment on the first working day of each month from your original payment card
  - No credit check
  - No direct debit requirement
  - No credit agreement
  - No change in premium if interest rates increase

• One, two or three years cover more...

  Whichever level of cover you select, you can choose one, two or three-years cover.

  There is also a big saving by purchasing a second or third years cover too!

  The costs incurred in setting up your warranty are included in the first years premium. So of course, buying 2, or three-years cover saves you money.

  Protect4Sure add to the saving by massively discounting years two and three even further!

  No need to worry about age or mileage. With Protect4Sure, as long as your car is under 10 years / 100,000 at policy start, there is no limit after cover starts.

• Use any VAT registered garage for repair or approved garages more...

  Protect4Sure policy holders have the choice of using the approved repairer or your own preferred repairer, if they are vat registered and ensure the claims procedures are followed.

  To save you being out of pocket, whenever possible, we settle the bill with the repairing garage. This is largely achievable when repairs are carried out by our approved repairer.

  Approved Repairer
  We have nominated Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 60,000 reviews. With hundreds of repair centres nationwide, Halfords Autocentres can ensure our policy holders receive the same high standard of service throughout the UK.

  Please note that should you choose to use your local repairer, the labour content of any claim will be equal to the discounted labour rates charged to Protect4Sure by the approved repairer and the standard ICME mechanical repair times. 

  While the policy terms provide full details, and we always recommend you take a moment to read them, more details can be found in the Labour Rates & Claim Limits section on this page.

Policy Benefits

Applicable to all Protect4Sure Warranties

• Failure of insured parts identified at MOT or Service are covered more...

  There may be occassions where you are unaware a problem is looming, but it shows up during service or MOT.

  Safety first! We don't want you to drive with a faulty or failing part.

  Therefore, if an insured part is identified as likely to suffer imminent breakdown by a suitably qualified engineer during MOT, claims are adjudicated as normal.

• European cover more...

  Protect4Sure warranties are effective in Great Britain, Northern Ireland and Channel Islands and valid for up to an aggregate (total) of 60 days per annum for driving in the Republic of Ireland and mainland Europe. 

• Contribution towards forward transportation more...

  If your car is being repaired under your warranty, Protect4Sure warranties include up to £60 towards a return rail ticket.

• Contribution towards overnight accommodation more...

  If your car is being repaired under your warranty, Protect4Sure warranties include up to £60 towards hotel expenses.

• Contribution towards replacement vehicle hire more...

  We will pay toward the cost of hiring a car, up to the daily limit of your policy, for up to 7 days and a maximum of £210.

  This benefit starts after the first 24 hours your vehicle is out of use as long as it is not due to a lack of availability of parts or a delay in starting the repair.

• Roadside recovery more...

  Protect4Sure warranties provide up to £100, whatever level of cover or claim limit you choose, toward the cost of recovering your car to the nearest repairing garage as result of failure of an insured part.

• Repairs guaranteed for up to 12 months more...

  Repairs carried out at the approved repairer are guaranteed for 12 months or 12,000 miles and, whenever possible, we settle the bill with them directly, so you aren't out of pocket.

  Approved Repairer
  We have nominated Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 60,000 reviews. With hundreds of repair centres nationwide, Halfords Autocentres can ensure our policy holders receive the same high standard of service throughout the UK.

Service Requirements During Cover

Full, partial or no service history, here's how to benefit from Protect4Sure

• What is acceptable proof of service? more...

  Proof of service is not required when you take out your warranty but you may be asked for it in the event of a claim.

  Acceptable proof of servicing is either

   - The service book correctly stamped and completed by a VAT registered garage.
  or
   - Fully detailed VAT service invoice(s) indicating servicing dates and mileages.

• I'm not sure my car has a full-service history more...

  No problem!

  We understand it's not always clear if your car has been serviced exactly as the manufacturer recommends.

  So, if you're unsure, after purchasing your Protect4Sure warranty, all you need to do is have a service completed by a VAT registered garage within 21 days or 750 miles.

  Your car will be on risk the moment the service is completed and we'll only require proof if you have a claim.

  Once on cover, simply follow the manufacturers service schedule at the intervals of the time or mileage set by them.

• My car doesn't have any service history more...

  If your car has no proof of service at all, or the last service is missing and has not been serviced by a VAT registered garage in the last 12 months... No problem!

  Simply have a service done by a VAT registered garage within 21 days or 750 miles after taking out your warranty.

  Your car will be covered the moment the service is completed and we'll only require proof if you have a claim.

  Once on cover, simply follow the manufacturers service schedule at the intervals of the time or mileage set by them.

• When must I get my car serviced? more...

  If your car has a full service history, just continue to follow the service schedule as set out by the manufacturer.

  If the service history is incomplete, but a service has been carried out in the last 12 months by a VAT registered garage, again you only need to continue to follow the service schedule as set out by the manufacturer.

  If you have no service history for your car, you must ensure a service is completed within 21 days or 750 miles (whichever is sooner).  We don't insist on an expensive franchised dealer service, this can be completed by any vat registered garage.  Once the service is completed, your car is covered.

  Once on cover, simply follow the manufacturers service schedule at the intervals of the time or mileage set by them.

• Do I have to go to the expense of a franchised dealer service? more...

  No, many of us have a trusted local garage.

  As with all warranty providers, whichever garage completes the work, to be recognised as a service under warranty terms, the garage must be vat registered.

• How often must I service my car? more...

  Check the manufacturer’s service schedule, and follow that.

  If you're unsure just make sure to have your car serviced every 12,000 miles or 12 months - whichever comes sooner.

  Protect4Sure don't insist on expensive franchise dealer servicing, you can use any vat registered garage.

Wear & Tear

Protect4Sure Drive Elite cover for Wear & Tear

• What is Wear & Tear? more...

  When a car warranty refers to parts failing due to “Wear & Tear”, the meaning is

  “the expected deterioration or performance of a part due to the cars age or mileage”

  That is, parts that have not lasted as long as the manufacturer intended.

  It’s important to note items that need to be replaced at regular intervals and are classified as a normal maintenance or service items such as brake pads, batteries, bulbs, wiper blades etc. would not be covered by a vehicle warranty.

• Is cover for Wear & Tear included? more...

  All Protect4Sure Drive Elite warranties include cover, as standard from day one, for failure due to Wear & Tear for cars up to 6yrs/60000 miles at time of claim.

  Protect4Sure Drive Easy does not provide cover for failure due to Wear & Tear.

• Does Wear & Tear cover consumables? more...

  Car warranties don't provide cover for items that need to be replaced at regular intervals, classified as a normal maintenance or service items.

  These include, but are not limited to brake pads, batteries, bulbs, wiper blades etc.

• Is there a charge for Wear & Tear cover? more...

  The Protect4Sure Drive Elite warranty includes cover for failure of insured parts due to Wear & Tear, from day one, for cars up to 6yrs/60000 miles at time of claim as standard, no additional cost.

  Protect4Sure Drive Easy does not provide cover for failure due to Wear & Tear.

• Is there a waiting period for Wear & Tear cover? more...

  All Protect4Sure Drive Elite warranties provide cover for 
     - sudden mechanical failure of insured parts
     - failure of insured parts due to Wear & Tear for cars up to 6yrs/60000 miles at time of claim
     - insured parts identified as likely to suffer imminent breakdown during routine service
     - insured parts identified as likely to suffer immenent breakdwon during MOT

  This is included in the premium you pay, from day one, no inspection or waiting period.

  Protect4Sure Drive Easy does not provide cover for failure due to Wear & Tear.

• Is a pre-inspection needed for Wear & Tear cover? more...

  We never ask for a pre-inspection or health check to be carried out before a policy is purchased.

• Do all car warranties cover Wear & Tear? more...

  Car warranties typically exclude Wear & Tear. Those that do usually charge an additional premium and have a 30 day/1000 mile waiting period.

  Protect4Sure Drive Elite includes cover for failure of insured parts due to Wear & Tear for cars up to 6yrs/60000 miles at time of claim.  No waiting period, no pre-inspection at time of purchase and no additional premium.

  Protect4Sure Drive Easy does not provide cover for failure due to Wear & Tear.

• Is there a bigger excess for Wear & Tear claims? more...

  No, the claim excess on all claims is ZERO

  Protect4Sure Drive Elite includes cover for failure of insured parts due to Wear & Tear for cars up to 6yrs/60000 miles at time of claim.  No waiting period, no pre-inspection at time of purchase and no additional premium.

  Protect4Sure Drive Easy does not provide cover for failure due to Wear & Tear.

Claim Process & Repairers

The true test of a warranty is the service when making a claim, our claims handler is rated "Excellent" on Trustpilot

• Zero excess on all claims as standard more...

  Nothing to select, nothing extra to pay, the claim excess is ZERO.

• Claims settled fast and payment directly to repairer wherever possible more...

  The true test of any warranty is how well it handles claims and Protect4Sure has appointed AutoProtect (MBI) Limited to ensure claims are handled swiftly, in the best way possible, by qualified and experienced professionals.

  AutoProtect Claim Management combines efficiency and support when you need it most, delivered by a large number of small teams who present a genuine ‘human face’ to our policy holders.

  Equipped to settle approved claims directly with the repairer within 24 hours, AutoProtect claims managers are qualified vehicle engineers or have worked within the parts and servicing departments of dealerships.

  The claims service provided is rated “Excellent” on Trustpilot and recipient of multiple awards.

• Who is the approved repairer? more...

  We have nominated Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 80,000 reviews. With hundreds of repair centres nationwide, Halfords Autocentres can ensure our policy holders receive the same high standard of service throughout the UK.

• Where is my nearest approved repairer? more...

  Breakdown is always inconvenient, usually unexpected and can be miles from home and the garage you usually use.

  For this reason, most policy holders choose to use the approved repairer Halfords Autocentre.  With 300+ locations up and down the UK, and over 750,000 customers every year, they are able to provide fast, convenient and reliable repair.

  Find your nearest approved repairers address, telephone number and opening hours.

  Find your nearest approved repairer

• Are repairs guaranteed? more...

  Repairs carried out by the approved repairer carry a “Quality Guarantee” of 12 months or 12,000 miles.

• Does using the approved repairer affect the service records? more...

  No, repairs completed by an independent garage do not affect a vehicles service history.

• Can repairs be done before they are authorised? more...

  Protect4Sure put safety first.

  In the normal course of events, it is reasonable for authorisation to be obtained before starting repairs.

  However, in an emergency situation, such as your car being attended to by a recovery organisation when the claims office is closed, your policy makes provision for the claim to be reviewed. Refer to your policy for full details.

• Can I use my own garage? more...

  Protect4Sure policy holders have the choice of using the approved repairer or your own preferred repairer, if they are vat registered and ensure the claims procedures are followed.

  To save you being out of pocket, whenever possible, we settle the bill with the repairing garage. This is largely achievable when repairs are carried out by our approved repairer.

  Approved Repairer
  We have nominated Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 60,000 reviews. With hundreds of repair centres nationwide, Halfords Autocentres can ensure our policy holders receive the same high standard of service throughout the UK.

  Please note that should you choose to use your local repairer, the labour content of any claim will be equal to the discounted labour rates charged to Protect4Sure by the approved repairer and the standard ICME mechanical repair times. 

  While the policy terms provide full details, and we always recommend you take a moment to read them, more details can be found in the Labour Rates & Claim Limits section on this page.

• What should I do if my car has a fault or breaks down? more...

  Protect4Sure has appointed AutoProtect (MBI) Limited to ensure claims are handled swiftly over the phone by qualified and experienced professionals to guide you through the process.

  Claims are handled over the phone
  Call 01279 456500 9am - 5pm Weekdays:  9am - 1pm Saturday.
  You don't need to wait for your car to breakdown, if you notice a fault or, if during MOT or routine service your repairer notices an insured part is about to fail, just pick up the phone.

  Don’t start repairs without an authorisation number
  It’s really important to have authorisation from the claims department before giving the repairer permission to start any work. Without it your claim may be invalidated.

  Book your car in for repair
  The claims department will help you find the nearest approved repairer. The approved repairer is Halfords Autocentres, one of the UK's leading MOT, car service and repairs specialists - voted “excellent” on Trustpilot with over 80,000 reviews. You are of course free to use your own repairer as long as they are vat registered.

  Book your car in and, if necessary, give them your permission to carry out fault finding. Try to have your policy schedule and service records available just in case they are needed.

  Authorisation
  The garage will identify the cause of the breakdown and check with the claims department that the parts needing repair or replacement are covered by your warranty.

  The claims department will provide an authorisation number to the garage for the repairs and costs, this is why they need your policy information and possibly service records.

  Payment
  To save you being out of pocket, where possible authorised costs will be settled directly with the repairer. You will just need to pay the cost of any additional work not covered by your warranty.

  Approved repairers will know the process and send details of the invoice with the authorisation number to the claims department.

• What about emergency repairs? more...

  Cars can let you down at the most inconvenient time and your Protect4Sure warranty has a provision for this.

  If you find yourself in the situation of having to carry out repairs in an emergency situation, for example attended by a recovery organisation when the claims office is closed, then you should:

    - Retain any parts removed from your car as they may need to be inspected.
    - Obtain a VAT receipt from the repairer showing
          date and time the repair was diagnosed and carried out.
          car details
          repair details including the cost of any parts(s) and labour

  It is then very important to contact the claims department at the earliest opportunity.

Cancellations & Refunds

We are committed to the principles of Treating Customers Fairly

• 21 days to change your mind with full refund more...

  Protect4Sure Warranties are contracts of Insurance, therefore our policy holders have what is known as a “cooling off period” where you can cancel for any reason and receive a full refund. Under UK insurance rules, this is 14-days, Protect4Sure have extended this to 21 days.

  All you need to do, is let us know within three weeks of purchase you have decided to cancel your policy and you will receive a full refund of premium paid, unless of course we have paid, authorised or incurred costs in relation to a claim.

  If you have only discussed a claim or possible failure, and no costs incurred, you will still receive a full refund of premium paid after deducting the admin fee.

  Because our warranties are insurance contracts, the policy terms provide our policy holders the guarantee the insurer is legally required to provide the refund.

• Pro-Rata refund after cooling off period more...

  While we hope you choose to continue with your warranty insurance for the full term, unlike typical online warranties and discretionary plans, we don’t expect you to pay for the full term if you decide to cancel after the cooling-off period or unfairly calculate a low “partial” refund.

  If you decide to cancel after 21 days, as long as claims haven't been paid, authorised or costs incurred, you will only need to pay premium calculated on a pro-rata basis for the time your policy has been in force plus an admin fee.

  If you are paying by monthly instalments, and the premium paid at time of cancellation is lower than the total due, plus the admin fee, you will only need to pay the additional amount and all future monthly payments would be cancelled.

  Because our warranties are insurance contracts, the policy terms provide our policy holders the guarantee the insurer is legally required to provide the pro-rata refund.

Labour Rates & Claim Limits

Protect4Sure offer a choice of claim limits, use approved repairer or your own garage

• What is the policy claim limit? more...

  Protect4Sure offer a choice of claim limits from £1000 per claim all the way up to your cars retail value.

  This is the maximum amount that you can claim per breakdown including parts, labour and vat.

• How many claims can I make? more...

  Protect4Sure Drive Elite and Protect4Sure Drive Easy both provide for an unlimited number of times you can claim on the policy.

• Is there a maximum amount the policy will pay? more...

  The maximum amount that can be claimed per breakdown is the claim limit selected by you.
  
  Protect4Sure Drive Elite and Protect4Sure Drive Easy both provide for an unlimited number of claims up to the Glass’s Guide retail value of your car.

• How much of the hourly labour rate is covered? more...

  The hourly labour rate, for authorised claim times, charged to Protect4Sure by the approved repairer is covered in full, subject to your chosen claim limit.

  The usual hourly labour rate of the approved repairer is over £100.  However, in view of the large volume of warranty repair work carried out, unsuprisingly the rate charged to us is significantly discounted, reducing repair costs and allowing us to pass on lower warranty premiums.

  If you choose to use your own repairer, the claims Administrator, AutoProtect (MBI) Limited, will pay them up to the equivalent AutoProtect national labour rate (including vat) which is currently £57.60ph if the repairer is inside the M25, or £48ph outside the M25.

• What hourly labour rate is covered if I use my own repairer? more...

  If you prefer to use your own repairer, the claims Administrator, AutoProtect (MBI) Limited, will authorise up to a reasonable retail price for parts and up to the equivalent AutoProtect national labour rate (including vat) which is currently £57.60ph if the repairer is inside the M25, or £48ph outside the M25.

• What are ICME repair times? more...

  The Institute of Chartered Mechanical Engineers (ICME) provide an independent service that is used throughout the motor industry; garages and insurers alike, to establish labour repair times.

Important Exclusions, Limitations & Restrictions

Investing in FACTS not marketing, we highlight exclusions, limitations and restrictions

• Excluded Vehicle Use more...

  There are a number of types of use Protect4Sure exclude and therefore do not qualify for cover.

  These include hire or reward (for example, taxis, self-drive hire or driving schools).

  Any vehicle used for, racing, pace making, speed testing, reliability trials, rallying, or vehicles used for any other timed or competitive event.

  Please take a moment to check the policy terms for full details.

  ---

• Ineligible Vehicles more...

  The following are not eligible for cover

  - Vehicles over 10 years at start of policy (no age limit once cover starts)
  - Vehicles over 100,000 miles at start of policy (no mileage limit once cover starts)
  - Grey imports
  - Non-standard, customised or modified vehicles.
  - LPG, Electric or Hybrid powered vehicles
  - Vehicles with a gross weight exceeding 3,500kg
  - Vehicles with less than 28 days valid MOT at time of policy purchase
  - Any vehicle not taxed and legal for use on a public highway during cover

  Please note, this list is for general guidance.  The policy terms provide full details, and we always recommend you take a moment to read through them.

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• Excluded Makes & Models more...

  The following makes (manufacturers) and models are not eligible for cover

  Abarth, All American, Australian and Canadian vehicles (unless built for the UK market), stretched limousines, Aston Martin, Bentley, Bristol, Bugatti, Caterham, Daimler 12 cylinder models, De Tomaso, Ferrari, Ford Cosworth, Honda NSX, Hummer, Jaguar vehicles over 4000cc, Kit Cars, Lamborghini, Lancia Delta Integrale/8.32, LCC Rocket, Mercedes AMG, Lotus, Marcos, Maserati, McLaren F1, Mitsubishi 3000 GT, Morgan, Nissan 300ZX/Skyline, Noble, Panther, Porsche, Rolls Royce, Mazda RX7 and RX8, Subaru WRX, TVR, Venturi, Westfield

  Please note, this list is for general guidance.  The policy terms provide full details, and we always recommend you take a moment to read through them.

  ---

• General Exclusions more...

  This list is for general guidance.  The policy terms provide full details, and we always recommend you take a moment to read through them.

  - Items replaced during routine service such as tyres, brake pads, bulbs, etc.
  - Faults identified by a qualified independent engineer as faulty before policy start
  - Negligence or intentional damage
  - Timing belts if not changed in line with the manufacturers schedule
  - Batteries, but we do cover the alternator
  - Clutch parts are covered, but not if they're burnt or worn out
  - Modifications
  - Bodywork, paintwork and glass
  - Vehicles with less than 28 days valid MOT at time of policy purchase

  Any loss, damage or breakdown caused by
     - overheating, corrosion, frost, the use of incorrect fuel, oil, lubricant or coolant
     - continuing to drive the car when it is not mechanically sound or after fault apparent to driver
     - not serviced in line with the conditions of the policy during cover
     - corrosion, frost, fire, flood or accident 
     - covered by any other warranty, guarantee or goodwill settlement

  ---

• General Limitations & Restrictions more...

  Your car must
     - have more than 28 days valid MOT at time of policy purchase
     - be under 10 years old/100,000 miles at the start date. (no limit once cover starts)

  Claim amounts
     - maximum payable per claim will be subject to the claim limit selected by you
     - maximum collective total of all claims during the policy term is the value of your car

  Claim authorisation
     - you must get authority from the claims department before starting any repairs
     - work carried out without prior approval will result in the claim being rejected
     - provision is made for completing repairs in an emergency situation.  See policy terms

  If you prefer to use your own repairer
     - the labour content will be limited to the labour rate of our approved repairer
     - the labour time will be as set out by the manufacturer's/Glass's guide standard repair times

  Wear & Tear
     - Protect4Sure Drive Elite
       provides Wear & Tear cover from day one for cars up to 6yrs/60000 miles at time of claim.

     - Protect4Sure Drive Easy
       does not provide cover for failure due to Wear & Tear.

  ---

• Breakdown if monthly payment not received more...

  Faults that occur when payment is outstanding will not be covered, so it's really important to resolve as soon as possible.

  Monthly payments are collected on the 1st of every month from your original payment card and, if the payment doesn't complete, we will notify you by email immediately.

  The most common cause for a declined payment is the original payment card has expired. If this is the case, just use the link in the email to complete the payment.

  There is also a link to update card details if your card has been stolen or lost.

  We're sympathetic the payment may have failed due to other circumstances outside of your control.  If this is the case please be sure to call us or reply to the email with a convenient time and number we can call you as soon as possible.

  If payment remains outstanding, and we don't hear from you, we will endevour to contact you by 'phone and letter to help resolve the situation.

  Important: Breakdown that occurs after any unpaid monthly payment was due and before the monthly payment is paid will not be covered.

  ---

• Diagnostics more...

  Usually, the cause of a fault is known, and the repairs can be completed without the need to spend time fault finding.  In this instance, if the warranty covers the fault, the warranty pays toward the labour cost of repairs in the normal way.

  Sometimes though, it isn’t clear what is causing the fault and the garage needs to investigate the cause.  If this happens, and the garage makes a charge to identify the fault, the cost would not be included in the amount paid by a warranty.

  This is considered an industry standard and the reality is, across the spectrum, even when a website advertises diagnostics are covered, the small-print typically removes cover with phrases like “only if assessed by us as being reasonable” or “at our absolute discretion” - Predictably these are unregulated, uninsured, plans.

  While there are certain repair times that do include diagnostics, Protect4Sure believe it is wrong to imply warranties cover “all” diagnostic costs.

  Always ensure the warranty you buy is fully insured and regulated by the FCA.

  ---

• Overheating more...

  Car warranties stipulate you should not drive the car if the vehicle is faulty, and a car cannot overheat with the engine switched off!

  For this reason, is it reasonable to advertise overheating as being covered?

  Protect4Sure invest in FACTS. We do not advertise overheating is covered, we simply cover the parts that commonly cause overheating, including (but not limited to)

   - Water pump
   - Thermostat
   - Engine cooling fan
   - Radiator
   - Heater matrix

  ---

Insured & Regulated Protection

For protection you can rely on, always ensure the warranty is a Contract of Insurance

• Fully Insured Protection more...

  Protect4Sure warranties are a contract of insurance between the insurer and the policyholder.  This determines the claims the insurer is legally required to pay.

  Designed to meet specific needs, insurance contracts have many features not found in non-insured warranties and are governed by the principle of utmost good faith (uberrima fides).  This contrasts with the legal doctrine that covers uninsured warranties, caveat emptor (let the buyer beware).

• Fully insured cover regulated by the FCA more...

  Protect4Sure Warranties are contracts of Insurance.

  To be permitted to sell, or advise on, general insurance products a firm is required to be Authorised and Regulated by the Financial Conduct Authority (FCA); show they meet the FCA standards, known as threshold conditions, and comply with FCA principles and rules about systems and controls.

  Once regulated, the firm must ensure it remains fully compliant with FCA regulations and meet many complex requirements including reporting and the capitalisation requirement (the reserve of money that a company holds).

  You may be unaware there are companies online who are only able to sell non-insured discretionary "plans" where is no underwriter and, as the plans are not regulated by the FCA, if you are dissatisfied in any way your only option is to make a complaint to the company who supplied the plan. For peace of mind, always check the warranty you purchased is fully insured.

  Protect4Sure is directly authorised and regulated by the Financial Conduct Authority and you can check this on the FCA’s Register by visiting the Financial Conduct Authority website, which contains a link to a register of all regulated firms, can be visited at www.fca.org.uk.

  Protect4Sure is a trading style of Future 45 Limited
  Company registration number 5407413
  Data Protection register number. Z933878X
  Financial Conduct Authority (FCA) No. 461102
  Member of the Financial Services Compensation Scheme (FSCS)

• Protected by the Financial Services Compensation Scheme more...

  Protect4Sure warranties are contracts of insurance, and we are FCA Authorised and Regulated, therefore our policy holders are automatically protected by the Financial Services Compensation Scheme (FSCS) - the UK’s statutory compensation scheme for customers of authorised financial services firms.

  What this means is, if the insurer can’t meet its liabilities under the policy, you can claim compensation through the impartial public body – FSCS rather than the company who may be unable to help you.

  The FSCS can pay compensation if a firm is unable, or likely to be unable, to pay claims against it. It is an independent body, set up under the Financial Services and Markets Act 2000 (FSMA), and is free buyers of insurance contracts.

  The Financial Services Compensation Scheme (FSCS) paid a total of £473m in compensation to 425,760 customers of failed firms during 2018/19 through its free, independent claims service.

• Accredited by The Motor Ombudsman more...

  Protect4Sure has appointed AutoProtect (MBI) Limited to ensure claims are handled swiftly, in the best way possible, by qualified and experienced professionals. AutoProtect (MBI) Ltd. is an accredited business with the Motor Ombudsman as well as being authorised and regulated by the Financial Conduct Authority under register number 312143.

  YOU can check this on the FCA’s Register by visiting the FCA’s website www.FCA.org.uk or by contacting the FCA on 0800 111 676.

Our Promise Of Good Service

The provision of Mechanical Breakdown Insurance is a regulated financial service so you benefit from the protection of the Financial Ombudsman Service (FOS)

This means if you are unhappy with the service you receive, and remain so after we complete our complaints procedure, FOS are there to resolve the complaint in a fair, impartial way and enforce their decision as to how we must rectify the situation

• Our procedures more...

  We will work to resolve your concerns as quickly as possible.

  First, we will retrieve all relevant information from our files and systems and review them together with your comments.

  As an FCA Regulated provider of insured protection, we will also consider any relevant guidance published by the Financial Conduct Authority, the Financial Ombudsman Service and any other relevant regulatory guidance previously published.

• Let us know of your concern more...

  Tell us and we'll do all we can to resolve the problem.

  This can be done over the phone, e-mail or letter. Please quote your policy number or, if you don't have that to hand, your vehicle registration number.

  A complaint is an expression of dissatisfaction, whether ultimately justified or not, and we treat any expression of dissatisfaction with our service as cause for a response as a complaint. We listen to your comments, treat them seriously, and learn from them so we can improve our services.

• Who to contact more...

  If your concern is in relation to a claim decision or the way your claim was handled, the policy Administrator, AutoProtect (MBI) Limited, will investigate and reply to you directly.
     - email@protect4sure.co.uk
     - Phone: 01279 456 500
     - Write to: AutoProtect (MBI) Limited, Warwick House, Roydon Road, Harlow, Essex CM19 5DY

  For concerns in relation to the purchase of your policy, web site or policy terms
     - email@protect4sure.co.uk
     - Phone: 0208 404 0004
     - Write to: Protect4Sure, Warwick House, Roydon Road, Harlow, Essex CM19 5DY

• What Happens Next more...

  We aim to confirm, no later than the end of the next business day, who is handling the complaint and provide full details of the complaint procedure.

  Once a full investigation has been completed, we will write to you to tell you how we've resolved the problem or our findings based on the information we have on file.

• How Long Does It Take? more...

  Our priority is to deal with complaints promptly and fairly.

  We aim for the end of the next business day. If that's not possible, we'll write to you within five working days to:

     - let you know how to contact the person or team dealing with your case
     - tell you how we've resolved the problem
         or our findings based on the information we have on file
         or when you can expect a full response

  If things do take a little longer, we'll either respond fully within four weeks, or explain our position and tell you how long a full response will take.

  In accordance with guidelines laid down by the Financial Conduct Authority, we must write to you with a final response, and provide details of the Financial Ombudsman Service along with a copy of their leaflet ‘Your Complaint and the Ombudsman’ and a statement confirming that an approach can be made to the Financial Ombudsman Service, within eight weeks of receiving your complaint.

  Unless you advise we have misunderstood your concerns, the information on our system is incorrect, inaccurate or you have additional information you would like us to consider, we will consider a complaint closed when we have sent you a final response.

• If You Disagree With The Final Response more...

  If you're unhappy with our final response, or if we've not given you a final response within 8 weeks of your complaint, you have the right to refer the complaint to the Financial Ombudsman Service. You must do so within 6 months from the date of the final response. Their contact details

  Phone: 0800 023 4567 or 0300 123 9123
  Email: complaint.info@financial-ombudsman.org.uk
  Write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR

What Parts Are Covered & Not Covered?

Use our Comparison Chart to easily compare what is, and what is not, covered.

• See Comparison Chart Of Covered and Excluded Parts

If you prefer to review each policy, here we provide a detailed look at both levels of cover

Protect4Sure Drive Elite

Pays toward cost of repair or replacement of all mechanical and electrical parts from day one following mechanical breakdown, or identified as likely to suffer imminent breakdown during MOT or service.  PLUS Wear & Tear from day one for cars up to 6yrs/60,000m at time of claim

• PARTS COVERED - Protect4Sure Drive Elite more...

  Protect4Sure Drive Elite provides cover from day one, toward the cost of repair or replacement of all mechanical and electrical parts (except those listed in parts not covered) following mechanical breakdown (the failure of a part, causing it to suddenly stop working) for cars up to 10 years/100,000 miles at policy start (no limit once cover starts).

  This warranty also provides, as standard from day one, cover for failure due to Wear & Tear for vehicles up to 6 years or 60,000 miles at time of claim. 

   

• PARTS NOT COVERED - Protect4Sure Drive Elite more...

  Protect4Sure Drive Elite does not provide cover for the following parts

     - cracked or porous cylinder heads and blocks
     - burnt valves
     - carbon deposits
     - skimming or pressure testing
     - body; paint; glass; interior and exterior trim
     - wheels
     - airbag and system
     - electrical wiring and wiring looms
     - seizure or corrosion of brakes
     - any parts that have not been fitted correctly
     - parts which are of faulty manufacture or design
     - parts which are recalled for repair or replacement by the manufacturer
     - parts not fitted as standard or an optional extra by the manufacture

  Routine adjustments and service items including but not limited to batteries, brake discs and drums, brake pads, brake shoes, bulbs, condenser, distributor cap, drums, exhaust system including catalytic converter, fan belts, filter parts, fluids, high-tension leads, points, rotor arm, spark plugs, tyres, wiper blades and any other parts listed within the manufacturer’s servicing handbook.

  This is a summary for general guidance.  The policy terms provide full details of "What is not covered" and we always recommend you take a moment to read through them.

Protect4Sure Drive Easy

Day one cover towards costs of repair or replacement of listed parts following mechanical breakdown, or identified as likely to suffer imminent breakdown during routine service or MOT.  

• Engine (click for insured parts)

  The rocker assembly, including hydraulic followers; inlet and exhaust valves, springs and guides
  Buckets; shims; collets; cam journals and cam bearings; Cylinder head; cylinder head gasket; camshaft and followers; timing gears and chains; oil pump;pistons and rings; cylinder bores; con rods; gudgeon pins and bearings; crankshaft and bearings; inlet manifold; flywheel and ring gear; Crank main bearings; crank big end bearings and con rod small end bearings; main journal caps and big end caps (not including the crank balance shaft and drive unit)
  Except: Cracked or porous cylinder heads and bores; carbon deposits; skimming or pressure testing; burnt valves; and timing chain or belt tensioners and guides

• Timing Belts (click for insured parts)

  Timing belts are covered as long as they have been changed in line with the manufacturer’s recommendations. You will need to provide proof of this.

• Manual Gearbox (click for insured parts)

  All internal mechanical parts; Internal gears; syncromesh and syncromesh hubs; Selector forks and selector shafts; Speedo drive; Bearings; input, output and lay shafts and bushes
  Except: External selector mechanisms; all electrical parts; oil seals and leaks.

• Automatic gearbox (click for insured parts)

  All internal mechanical parts; Internal gears; sun and planet gears; carriers; Brake bands; clutch steel discs and clutch drums (not including friction linings); Valve block; pressure valves; internal main shafts and pressure seals
  Except: External selector mechanisms; all electrical parts; oil seals and oil leaks

• Torque converter (click for insured parts)

  All internal mechanical parts; Pump; turbine; stator and lock-up clutch; Bearings and internal bushes
  Except: Electrical components and oil leaks

• Differential (click for insured parts)

  All internal mechanical parts; Crown wheel and pinion; planet gears and pins; Main input bearing and input seal; Output bearings (but not output seals)

• Clutch (click for insured parts)

  All internal mechanical parts; Clutch master cylinder; slave cylinder; release bearing; pressure plate; centre disc and oil contamination of the centre plate only
  Except: Frictional material

• Front-wheel drive (click for insured parts)

  Drive shafts, including constant velocity joints, universal joints and couplings; Outer constant velocity joint housing, inner race, cage and bearings; Outer drive shaft housing, inner race, cage and bearings
  Except: Gaiters

• Rear-wheel drive (click for insured parts)

  Rear half shaft bearings and shaft; Rear constant velocity joint housings, inner race, cage and bearings
  Except: Gaiters

• Wheel bearings (click for insured parts)

  Front and rear wheel bearings; Propshaft; Universal joints and couplings; propshaft bearings

• Fuel-injection system (click for insured parts)

  Mechanical or electrical fuel pumps; tank sender unit; throttle body; airflow meter; idle control valve; throttle potentiometer, pressure regulator; map sensor; Pedal and throttle body potentiometer; Pressure sensor, including fuel rail when not available separately.
  Except: Injectors and glow plugs

• Engine cooling system (click for insured parts)

  Water pump; thermostat; thermostat housing; engine cooling fan; radiator; engine oil cooler and heater matrix only

• Steering including power-assisted steering (click for insured parts)

  Steering rack and pinion; steering box and pump;steering lock
  Except: Gaiters.

• Front and rear suspension (click for insured parts)

  Coil springs; upper and lower wishbones and ball and swivel joints; suspension arms; tie rod ends; anti-roll bar links; track rod ends
  Except: Bushes

• Brakes (click for insured parts)

  Brake master cylinder; wheel cylinders; restrictor valve; brake callipers; servo
  Except:Seizure and corrosion

• Electrical system (click for insured parts)

  Starter motor; alternator; electric window motors and switches; sunroof motor and switch; central-locking motors;, front and rear windscreen wiper and washer motors; heater-fan motor; heater motor resistor; multi- function stalk switch and horn; imobiliser/alarm; clock; headlight switch; door switch; interior light switch; front and rear fog-light switches; heated rear window switch; heated front window switch

• Engine management (click for insured parts)

  Engine electronic control unit only

• Working materials (click for insured parts)

  Oils, oil filter and antifreeze are covered only if it is essential to replace them as part of an agreed claim under this warranty.

• Casings (click for insured parts)

  If any of the parts covered fail, and this damages the casing, it will also be included only as part of an agreed claim.

• Four-wheel drive (click for insured parts)

  All four-wheel drive parts except wiring and connectors

• Air-conditioning (click for insured parts)

  If fitted by the manufacturer.

  In the event of a valid claim the most we would pay towards re-gassing is £60 (including VAT).

• Turbocharger (click for insured parts)

  If fitted by the manufacturer - Turbo charger unit

• ABS – Anti-locking brake system (click for insured parts)

  If fitted by the manufacturer.

  The ABS modulator and wheel-speed sensors

• Option to include Multimedia, Diesel Particulate Filter, Catalytic Convert, Turbo Wear & Tear

  Designed to give flexible appropriate cover, for a small increase in premium, the following can be added to your Protect4Sure Drive Easy Warranty

     - Multimedia Pack
     - Catalytic Converters
     - Diesel Particulate Filters
     - Turbo Wear & Tear for vehicles up to 10 years,100,000 miles at time of claim.
  
  

  Details
  Catalytic converters and Diesel particulate filters are covered for mechanical failure. This does not include the cleaning of fuel lines, filters, carburettors, pumps and the replacement of catalytic convertors damaged from the use of contaminated or incorrect fuel or accidental or impact damage
  
  Multimedia Pack inclusions: Stereo hi-fi video cassette recorder, LCD screens, media control panel, auxiliary power input socket, 12 volt power supply. Factory fitted CD player with multi changer, satellite navigation system, games machine and DVD player
  Excludes discs, remote control unit and headphone.

  If fitted by the manufacturer, Turbo Wear & Tear for vehicles up to 10 years,100,000 miles at time of claim.  

• PARTS NOT COVERED - Protect4Sure Drive Easy more...

  Protect4Sure is respected for investing in FACTS.

  The listing above specifies each insured part, if it's not listed, it's not covered.

Frequently Asked Questions

• Do I pay more for an Insured Warranty more...

  We can’t speak for other providers, but certainly not with Protect4Sure.

  Protect4Sure warranties are contracts of Insurance and therefore a regulated Financial Service.

  The FCA set a maximum threshold for the retail premium in relation to underwriting costs.  In simple terms, this means the retail premium must be directly related to “actual” claims costs.

  Regrettably, the same does not apply to uninsured plans being promoted online as a “Warranty”, where the seller is free to inflate the cost without restriction.

• Do Insured Warranties Take Longer To Settle Claims? more...

  We can't speak for other providers, but that is certainly not the case with Protiect4Sure warranties.

  We have appointed AutoProtect (MBI) Limited to ensure claims are handled swiftly, in the best way possible, by qualified and experienced professionals.

  Equipped to settle approved claims directly with the repairer within 24 hours, Autoprotect claims managers are qualified vehicle engineers or have worked within the parts and servicing departments of dealerships.

  Autoprotect is rated “Excellent” on Trustpilot and has received multiple awards in recognition of their services

   

• Why are your policies so affordable? more...

  As a result of good business practice and well thought out marketing, we keep premiums low without any sacrifice to the quality of protection.

  Most companies must increase premium due to the cost of advertising with "partners", newspapers, motoring sites... a cost that increases premium with no benefit to you!

  We also work closely with the underwriters to ensure our premiums are set in relation to claim costs and of course, as an online provider you are not paying dealer commissions.

  Also, as an online provider of insured warranties, our policies benefit from a reduced rate of 12% IPT (insurance premium tax).  This is included in the advertised premium.
    - The supplying dealer is required to apply 20% IPT
    - Uninsured “plans” (being sold online as a warranty) are subject to 20% VAT
      (an easy way to spot if you are in danger of being sold an unregulated product)

• Why should I choose Protect4Sure? more...

  Simplicity of purchase

  Comprehensive reliable protection

  Great Value

  Knowledgeable UK based customer service team

  Claims department rated "Excellent" on Trustpilot

  Contracts of Insurance protected by the Financial Services Compensation Scheme (FSCS)

  Stability of the Underwriter, Red Sands Insurance Company (Europe) Ltd
     - A specialist in UK motor related insurance products
     - Member of The Association of British Insurers (A.B.I.)
     - A voluntary member of the Financial Ombudsman Scheme
     - European Regulated
     - Underwrite one of the UK's largest Mechanical Breakdown Insurance books

  FCA registered and regulated, our FCA Registered number is 461102

• Can I buy your warranty now and start it when my current one ends? more...

  Yes!  Purchase today and you will be buying tomorrows warranty at todays price.

  You can choose any start date that suits you.

• Must the warranty be paid for by the car owner? more...

  The Warranty can be bought and paid for by any third party. 

  For convenience, enter the name and address of main driver, the person most likely to contact the claims department as the policy holder.

• Can I transfer my warranty policy? more...

  If you sell your car to a private buyer, the warranty can be transferred to the new owner.

  A warranty cannot be transferred if you sell your car to a motor dealer.

• Can I pay monthly? more...

  Another reason our warranties are so affordable is our policy holders don't have to take out a loan to pay monthly.

  Spread the cost by paying a 20% deposit followed by just 9 monthly payments.
  - No credit check
  - No direct debit requirement
  - No credit agreement
  - No change in premium if interest rates increase

  Your monthly payment is collected on the first working day of each month from your original payment card.

• How soon can I make a claim? more...

  Both levels of cover provide cover from DAY ONE, no waiting period.

  Of course, as with any warranty, we don't cover pre-existing faults.

• What if I'm unhappy with your service? more...

  As a motor related Insurance Company, we are bound by the regulations set out by the Financial Conduct Authority and Financial Ombudsman.

  We are required to address concerns within a set amount of time and provide adequate reasoning.

  Unlike customers of unregulated online sellers, should a policy holder not agree with our final decision, they can refer to the Financial Ombudsman Service (FOS).

  FOS is an independent government department that settles disputes between consumers and UK-based businesses providing financial services. They make the final, legally binding, decision based on what they believe to be fair and reasonable and we must accept their decision.

• What is IPT? more...

  Insurance premium tax (IPT) was introduced in 1993 and applied to all general insurance policies including motor insurance, GAP insurance, warranty, and home insurance.

  Once collected by us, it is paid to the government in much the same way as VAT.

  As an online provider of insured warranties, our policies are subject to 12% IPT.  Advertised premiums include this.

  Another reason our premiums are so affordable is
    - The supplying dealer is required to apply 20% IPT
    - Uninsured “plans” (being sold online as a warranty) are subject to 20% VAT
      (an easy way to spot if you are in danger of being sold an unregulated product)

• What are the geographical limits? more...

  The areas in which the policy is effective are Great Britain, Northern Ireland and Channel Islands.

  In addition, the warranty is valid for up to an aggregate of 60 days per annum for driving in the Republic of Ireland and mainland Europe.

• What happens if I break down and need a hire car? more...

  All our Warranties includes free car hire in the event of a breakdown for up to 7 days and a maximum of £210.

  Exclusions
   - the first 24 hours
   - any delay caused by the repairer waiting for parts or starting repairs
   - the costs of or fuel or insurance for the replacement vehicle
   - any motoring fines and congestion charges

• Do you cover imported cars? more...

  Parallel Import cars that have been produced for a European Member State and conform to European Wide Type Approval, qualify for cover.

  Grey Imports, cars that don't comply with European Union vehicle type specification and are imported from outside the UK, such as Japan, do not qualify for cover.

• Do you cover electric, hybrid and LPG vehicles? more...

  Electric, hybrid or LPG powered vehicles are excluded.

• Are Subaru Impreza P1 covered by your warranties? more...

  The Subaru Impreza P1/WRX models are excluded from cover.

• Does a warranty cover routine maintenance and consumable items? more...

  The cost of routine maintenance or replacement of consumable items such as tyres, batteries, windscreen wipers, brake pads; or vehicle structure such as bodywork, paintwork, glass, wheels etc. are not covered by Mechanical Breakdown Insurance / Car Warranties.

  However, Protect4Sure warranties will cover the repair or replacement of the parts insured under  your warranty identified as likely to suffer imminent breakdown by a suitably qualified engineer during routine service or MOT.

• Do your warranties cover DSG Gearbox? more...

  A direct-shift gearbox, commonly abbreviated to DSG, is an electronically controlled dual-clutch multiple-shaft manual gearbox, in a transaxle design without a conventional clutch pedal. In simple terms, a DSG is two separate manual gearboxes (and clutches), contained within one housing, and working as one unit.

  Protect4Sure Drive Elite does not exclude DSG specific components

  Protect4Sure Drive Easy will pay toward the costs of parts and labour for repair or replacement of listed components of the manual and automatic gearbox cover, DSG specific components are not listed for cover.

• Do your warranties cover SMG Gearbox? more...

  The BMW SMG transmission has both automatic and manual shift modes.

  SMG stands for Sequential Manual Gearbox. It's essentially a transmission capable of functioning as an automatic, or functioning as a manual transmission. The innovation is that, when functioning as an automatic, the driver does not need to operate a clutch pedal, simply designate desired gear. This is done by a traditional stick, or a set of paddle shifters attached to the steering column or steering wheel, depending on the model BMW.

  Protect4Sure Drive Elite does not exclude SMG specific components

  Protect4Sure Drive Easy will pay toward the costs of parts and labour for repair or replacement of listed components of the manual and automatic gearbox cover, As an SMG gearbox is not a standard automatic or manual gearbox, whilst the car is not excluded, the gearbox itself is not covered.

• Do your warranties cover the vanos unit? more...

  VANOS is a variable valve timing system used by BMW on various automotive petrol engines since 1992.

  Protect4Sure Drive Elite does not exclude the vanos unit.

  Protect4Sure Drive Easy - the vanos unit is not a listed component and therefore, any claim relating to this part will not be authorised.

• Is a catalytic converter covered? more...

  A catalytic converter is an exhaust emission control device that reduces toxic gases and pollutants in exhaust gas from an internal combustion engine.

  Protect4Sure Drive Elite includes cover for the catalytic converter as standard

  Protect4Sure Drive Easy - cover for the catalytic converter can be added as an optional ugrade to cover.

• Do your warranties cover Diesel Particulate Filters (DPF) more...

  A diesel particulate filter (DPF) is a filter that captures and stores exhaust soot (some refer to them as soot traps) in order to reduce emissions from diesel cars.  But because they only have a finite capacity, this trapped soot periodically has to be emptied or 'burned off' to regenerate the DPF.

  This regeneration process cleanly burns off the excess soot deposited in the filter, reducing the harmful exhaust emission and helps to prevent the tell-tale black smoke you used to see from diesel vehicles, particularly when accelerating.

  Protect4Sure Drive Elite includes cover for the DPF as standard

  Protect4Sure Drive Easy - cover for the DPF can be added as an optional upgrade to cover.