Redhill: 0844 8446527
Horsham: 0844 8446525
Tunbridge Wells: 0844 8446528

 
 
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  What is covered

Provided that the terms and conditions of this Insurance are fully complied with the following specifically listed components and labour costs (except clutch) are covered against mechanical Breakdown.

Please refer to Your Schedule for Claims Limits. Within the Period of Insurance the number of claims are unlimited. Items not specifically listed will not be covered by this Insurance.

 

Engine
  Cylinder Block (excluding cracks and porosity), cylinder bores and liners (excluding cracks and porosity), crankshaft, crank bearings, big end bearings, oil pump, con-rods, gudgeon pins, small end bearings, pistons, piston rings, cylinder head (excluding cracks, porosity), rocker shaft, rockers, hydraulic lifters, camshaft bearings, inlet and exhaust valves, valve springs, valve guides, cylinder head gasket, inlet manifold, timing gears, timing chains, timing belt/chain tensioners, flywheel or flex plate, starter ring hear. (excluding: overheating, de-coking, burnt, pitted and sticking valves).
Timing Belt
 

If the timing  belt has been changed in accordance with the time/mileage requirements specified by the manufacturer (receipt required) it will be covered against mechanical Breakdown.
 

Cooling
 

Radiator (engine cooling), engine thermostat, water pump, thermostat housing, viscous fan coupling, engine temperature sensor.
 

Fuel System
  Fuel lift pump (mechanical or electrical), fuel injection pump, carburettor, diesel/low pressure supply pump, governor, shut off mechanism, hydraulic or electric injection timing mechanism, metering head, cold starting device, manifold boost pressure compensator and altitude compensator where fitted, pump drive gear, glow plug relay. (Excluding: fuel lines, injectors, glow plugs, high pressure pipes).
 
Transmission
  Manual Gearbox
The following internal mechanical components are covered: gears and gear clusters, selectors and shafts, synchromesh assemblies, bushes, ball and roller bearings, needle bearings, transfer gears.
 
Clutch
  Release (thrust) bearing, centre plate (including oil contamination), pressure plate, master and slave cylinders, clutch cable including self and adjusting mechanism. (Limited  to one claim only from this category within the duration of the policy).
 
Automatic Gearbox
  The following internal mechanical Components are covered: governor, valve clock, oil pump, gears, brake bands, servos, clutches, seals, shafts, bearings and bushes, modulator valve, transfer gears.
 
Transfer Box
  The following internal mechanical Components are covered: transfer gears, selectors, shafts, transfer shafts, needle and roller bearings, output shafts, bushes.
 
Driveline (front and rear wheel drive Vehicles)
  Open drive shafts/constant velocity joints, universal joints & coupling. Front drive shafts & swivel joints. Rear wheel drive half shafts, half shaft bearings. (Excluding gaiters).
 
Differential/s (2 wheel drive and 4x4)
  Planetary gear assembly, crown wheel and pinion assembly. Internal shafts, bearings and bushes, thrust washers, spacers, bevel gears. Includes front, rear and centre differentials. (Excluding: viscous couplings and fluid differentials).
 
Propshaft/s (2 wheel drive & 4x4)
  Propshaft, universal joints and couplings, bearings and rubber couplings. Includes front and rear transfer shafts 4x4 vehicles. (Excluding: gaiters).
 
Wheel Bearings
  Front and rear wheel bearings
 
Steering and Suspension
  Coil springs, leaf springs, steering rack and pinion (including power assisted steering). Steering box (including power assisted steering) and idler box. (Excluding: gaiters and oil leaks, tracking and balancing).
 
Braking
  Brake master cylinder, brake vacuum pump, calipers, wheel cylinders, brake bias/restrictor valve.
 
Electrical
  alternator, voltage regulator, starter motor (including pre-engaged solenoid), starter solenoid (inertia drive starters), flasher relay, front windscreen wiper motor, front windscreen washer motor, ignition coil, fuel tank sender unit, heater fan motor, radiator cooling fan and switch.
 
Casings
  Consequential damage to casings caused by the failure of a covered component will constitute part of the total claim within the insurance limits.
 
Working Materials
  should any authorised repair to any of the above Components require essential replacement of or topping up of lubricants, oils of coolant or replacement of the oil filter these shall be covered as part of the total claim within the Insurance limits, providing the vehicle is not within 1000 miles of it's next due service.
 
Turbocharger/Supercharger/Kompressor
  The complete unit is covered providing it is of original manufacture's equipment (including the wastegate if it is an integral part of the unit and cannot be bought separately).
 
The following will only be included if selected as optional additional cover items on the Schedule, and the appropriate additional premiums paid.
Tippers & Tailifts
  The factory or recognised specialist fitted electrical or hydraulic unit including power take off unit will be covered against mechanical Breakdown. (Excluding: pipes, seals, brackets and unions, collision damage, tipper body and hinges, tail lift platform and guide rails).
 
Refrigeration Unit
  The factory or recognised specialist fitted refrigeration unit will be covered against mechanical Breakdown. (Excluding: pipes, seals, brackets and unions, collision and frost damage).
 
 

 

  What is not covered
  1. Components other than those specifically listed in the "What is Covered" section of this Insurance
  2. General maintenance and Components failing due to Wear and Tear
  3. Faults which occur during the period of guarantee of a manufacturer or supplier or items which are subject to a manufacturer's recall.
  4. Damage caused by overheating, freezing, corrosion or the intrusion of harmful substances (for example the ingress of water), use of an incorrect grade  of fuel or oil, or lack of antifreeze, lubrication or servicing.
  5. improper use of the Vehicle, neglect or abuse of any kind, or drive on damage after a fault has occurred.
  6. Faults which were on the vehicle at the time of purchase, or caused by poor servicing or previous repair.
  7. Consequential damage, caused by the failure of Components not covered by this Insurance, or to Components not covered by this insurance.
  8. Any repairs not authorised by Us prior to the repair work being carried out.
  9. Any costs other than those specifically agreed and authorised by Us
  10. Adjustments, the cleaning of Components or "refacing" costs (e.g. skimming or honing) and diagnosis.
  11. Costs in excess of the equivalent UK specification Vehicle, if Your Vehicle has been imported.
  12. Faults caused by exceeding the maximum stated gross vehicle mass for Your Vehicle (overloading)

 

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