What is Click4Warranty?
Click4Warranty is an online extended warranty provider that has been operating in the UK automotive market for over two decades. It operates as a trading style of Future 45 Limited, which is part of the broader AutoProtect Group — one of the UK's largest automotive warranty and protection administrators.
Crucially for consumers, Click4Warranty is authorised and regulated by the Financial Conduct Authority (FCA FRN 461102). Unlike discretionary providers where claim decisions are made at the company's discretion, Click4Warranty provides a regulated insurance contract (Mechanical Breakdown Insurance). Policies are underwritten by Red Sands Insurance Company (Europe) Limited, a member of the Association of British Insurers (ABI), providing policyholders with protection under the Financial Services Compensation Scheme (FSCS) and access to the Financial Ombudsman Service.
Claims administration is handled directly by AutoProtect (MBI) Limited, an experienced specialist handling hundreds of vehicle repairs weekly across independent and franchised VAT-registered garages nationwide.
Click4Warranty plan tiers: 3-Star, 4-Star & 5-Star
Click4Warranty structures its extended warranty coverage across three progressive levels. All three tiers include wear-and-tear cover as standard, which is often an optional paid add-on with competing providers:
| Plan | Cover level | Roadside benefits |
|---|---|---|
| 3-Star | A specific list of major components | Up to £100 roadside recovery, up to £30/day replacement vehicle, up to £60 accommodation |
| 4-Star | A wide range of components, plus imminent failure identified at MOT/service | Up to £100 roadside recovery, plus onward transport/accommodation assistance |
| 5-Star | A fully comprehensive list of components | Up to £100 roadside recovery, plus onward transport/accommodation assistance |
All three tiers offer a claim limit of up to £7,000 per claim, capped at the vehicle's value.
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Click4Warranty states no age limit applies once your cover has started, but eligibility to take out a new policy requires your car to be under 12 years old and under 150,000 miles on the date cover begins. Confirm your specific vehicle qualifies before comparing tiers.
Click4Warranty: Pros and cons
When evaluating Click4Warranty against other leading UK extended warranty providers like MotorEasy, Warrantywise, and Warranty Direct, several key advantages and limitations stand out:
Key Strengths
- £10 excess: One of the lowest fixed excesses in the UK warranty sector.
- FCA regulated: Full Financial Ombudsman Service and FSCS protection.
- Wear and tear: Covered across all 3-Star, 4-Star, and 5-Star plans.
- 21-day cancellation: Full 3-week money-back cooling-off guarantee.
- Immediate cover: No mandatory waiting period before policy activation.
Points to Consider
- Age limit at inception: Vehicles must be under 12 years old and 150,000 miles to buy.
- £7,000 claim cap: Single claim limit capped at £7,000 or car market value.
- First 30-day electrical rules: Different terms apply to early ECU/electrical claims.
- Service requirements: Strict 12-month/12,000-mile servicing schedule enforced.
Click4Warranty excess, claims, and servicing rules
Click4Warranty's standard excess is £10 per claim — an exceptionally low figure compared to typical £50 or £100 excesses found with other brands. A special excess term applies to claims involving electronic control units (ECU), air-conditioning, or complex electrical system components made within the first 30 days of the policy inception.
Starting cover does not require a formal mechanical pre-inspection. However, servicing rules must be strictly adhered to: if your vehicle has not had a documented service in the 12 months prior to buying cover, you must have it serviced at a VAT-registered garage within 21 days or 500 miles. Going forward, regular maintenance in accordance with manufacturer recommendations (typically every 12 months or 12,000 miles) is mandatory for claim validity.
For more details on how independent warranties work relative to insurer-backed options, consult our comprehensive guide on manufacturer vs extended vs third-party warranties and our review of car repair insurance.
Click4Warranty cancellation and refund policy
Click4Warranty offers a 21-day cooling-off period — 7 days longer than the standard 14 days required by UK consumer law. During these 21 days, you can cancel your policy for a 100% full refund, provided no claim has been registered. If you wish to cancel after the 21 days have elapsed, you can receive a pro-rata refund minus an administration fee (stated as £50 on Click4Warranty policy terms). You can learn more about cancellation procedures in our guide on how to cancel a car warranty.
What is excluded from Click4Warranty?
In line with standard UK warranty policies, routine consumable parts (brake pads, wiper blades, tyres, fluids, batteries) and cosmetic deterioration are excluded. Furthermore, certain exotic and high-performance marques are not eligible for cover (such as Aston Martin, Bentley, Ferrari, Lamborghini, Maserati, Porsche, and Rolls-Royce), as well as grey-market imports not originally manufactured for the UK/EU market, kit cars, and commercial vehicles exceeding 3.5 tonnes GVW.
Vehicles used for commercial hire, courier delivery, taxi services, or motorsport activities are also excluded. To see how these terms compare across the broader market, view our car warranty comparison and cheap car warranty guide.
Frequently asked questions
Is Click4Warranty regulated by the FCA?
Yes — Click4Warranty is a trading style of Future 45 Limited (part of the AutoProtect Group), authorised and regulated by the Financial Conduct Authority under FRN 461102. Policies benefit from Financial Services Compensation Scheme (FSCS) protection.
Who underwrites Click4Warranty policies?
Policies are underwritten by Red Sands Insurance Company (Europe) Limited, registered in Gibraltar and regulated by the Gibraltar Financial Services Commission. Claims are managed by AutoProtect (MBI) Limited.
What is Click4Warranty's excess?
Click4Warranty offers a standard excess of £10 per claim. A specific term applies to ECU, air-conditioning, or electrical system repairs claimed during the initial 30 days of the policy.
Does Click4Warranty cover wear and tear?
Yes, wear and tear is covered on all three tiers (3-Star, 4-Star, and 5-Star) provided the car meets eligibility criteria and the regular servicing schedule is maintained.
How long is Click4Warranty's cooling-off period?
Click4Warranty provides a 21-day cooling-off window for a full refund (as long as no claim has been made), which exceeds the statutory 14-day requirement.