Silver Cover
All Mechanical All Electrical Warranty excluding Wear and tear
This insurance covers the failure of a covered components causing a sudden stoppage of its function for vehicles up to 3,500kg gross weight with a valid MOT.
The policy covers up to £70 per hour labour rate on all approved claims.
Please note that this insurance policy cannot be renewed.
What We Cover
Parts, labour and Value Added Tax (VAT) of covered components up to the chosen duration and claims limit
£50 per day contribution for up to seven days towards vehicle replacement on a valid claim
Unlimited number of claims up to amount of the claims limit as specified in your Policy Schedule
All electrical and all mechanical, except those stated in the “What is not insured” section
Up to £70 per hour labour rate on all approved claims
What We Don’t Cover
Damage caused by normal wear and tear, neglect, corrosion, lack of servicing or deterioration.
Manufacturer defects or the effects of poor repairs, faults or defects at the time of the sale
Parts not fitted as standard or optional extra by the manufacturer, unless cover for such items is agreed beforehand
Parts which have been fitted incorrectly or parts which are of faulty manufacture or design
Damage to parts listed as excluded in the policy
Any amount for labour costs in excess of the £70 per hour maximum
Restrictions
1. The vehicle must have a valid MOT.
2. Authority must be sought prior to commencing any repairs including additional benefits.
3. The amount of time allowed for labour will be in line with the manufacturer’s/Glass’s Guide standard repair times.
4. The vehicle must be serviced every 12 months or 12,000 miles (which ever is the sooner) or in line with the manufacturer’s recommended guidelines.
5. We don’t cover ineligible vehicles such as: taxis, any vehicle used for racing, pace making, speed testing, reliability trials, rallying, self-drive hire and driving schools or vehicles used for any other timed or competitive event, non-standard, customised or modified vehicles. (Please see terms and conditions for full list)
Silver Cover FAQs Answered
When does the cover start and end?
The cover will run from the start date, which is detailed on the policy schedule, until the earliest of the following dates:
You or the vehicle no longer meeting the eligibility criteria; or
The date on which the vehicle is sold or transferred to a new owner
The number or value of claims settled having reached the limits; or
The policy being cancelled by either you or us; or
The end date as detailed on the policy schedule.
What are my obligations?
You must take reasonable care to provide us with accurate and complete answers to our questions whether you are at proposal stage or making changes to the policy.
You must pay any premium when due otherwise cover will cease from the premium due date.
You must notify the claims administrator of any possible claim as soon as reasonably possible but within a maximum of 30 days via the claims line on 0161 451 4803
You should notify us immediately of any changes to your vehicle via our Customer Services Team on 0117 456 2443
Where am I covered?
The policy is effective in Great Britain, Northern Ireland and Channel Islands and is valid for up to an aggregate of 60 days per annum for driving in the Republic of Ireland and mainland Europe .
When and how do I pay?
You can purchase this policy and pay your premium at the time you purchase your motor vehicle. Payment can be made as a one-off payment to your supplying retailer. This will be explained at the time of purchase and detailed on the policy schedule.
How do I cancel the contract?
You may cancel the Policy within 30 days of the Policy start date without financial penalty provided no claim has been submitted. The Policy has no surrender value and no premium paid will be refunded after 30 days of the Policy start date.