Air conditioning

Compressor & drive clutch, condenser, evaporator, expansion valve, interior fan control switch, pressure & temperature sensors and receiver/drier.

Braking system

Anti-lock braking system (ABS) pump & control unit & sensors, calipers (not seized), drum brake self-adjusting mechanisms, handbrake control cables & linkages, master & wheel cylinders, pedal assembly, pressure reducing & proportioning valves, and vacuum pump & servo.

Casings

Casings are covered provided they have been damaged as a direct result of the covered failure of an insured part.

Clutch

Clutch cover diaphragm, centre plate torque springs, clutch release bearing, clutch fork, clutch master cylinder, slave cylinder, centre plate oil contaminations.

Cooling system

Engine cooling water & oil radiators, heater radiator, thermostat & housing, temperature gauge, viscous cooling fan couplings and water pump (non cam belt driven).

Drive Train

Crown wheel, pinion gear, planet gears, planet carriers bearings, all other internal components, half shafts, drive shafts, prop shafts, universal joints, support bearings, constant velocity joints, casings (if damaged by an internal component).

Wheel bearings

Failure on front & rear wheel bearings.

Electrics

Alternator, central locking solenoids and motors, electric door mirror motors, electric window motors, electric sunroof motors, engine cooling fan motors, front & rear screen wiper motors, horn, indicator flasher relay, interior fan motor, starter motor and relays.

Electronic control units (ECUs & computers

The air conditioning, anti-lock braking system, automatic gearbox, central door locking system, fuel injection, ignition, engine management, alarm/immobiliser, steering and suspension electronic control units (computers), that were originally fitted to your vehicle when it was first manufactured are covered (upgraded or revised software and firmware, including software and firmware patches and updates, relating directly or indirectly to any components of your vehicle and any retro-fitted ECUs & computers are excluded from cover).

Engine

All internally lubricated parts are covered including: Camshafts & bearings, camshaft followers & rockers (including hydraulic lash adjusters), connecting rods & bearings, crankshaft & bearings, cylinder block, cylinder bores & liners & seals, cylinder heads, internal bushings & bearings, oil pump & drive, pistons & rings, timing gears & chain & tensioner and valves & springs & guides (burnt or pitted valves and valve seats are excluded from cover). Crankshaft pulley and cylinder head gasket.

Camshaft drive belts

Camshaft drive belts and tensioners (subject to documented proof that the last due change of camshaft drive belt has taken place as specified by the manufacturer’s recommended servicing schedule).

Steering

Column shaft & tilt mechanism & couplings, hydraulic pumps & reservoir & pressure pipes, steering & idler boxes, rack and pinion assembly (including hydraulic rams and electric motors) and track rods & track rod ends.

Transmission

(Including front & centre & rear differentials, front & rear live axles and drive shafts). Constant velocity joints & boots, crown wheels & pinions, differential gears & thrust washers, drive flanges, external drive shafts, internal bushes & bearings & shafts, internal parts of differential locking mechanisms, propeller shafts & propeller shaft couplings & centre bearings and universal joints.

Turbocharger

Turbocharger units

Flywheels & drive plates

Flexible drive plate for the automatic transmission’s torque converter, solid & dual-mass flywheels (flywheels damaged by clutch friction plates are excluded from cover) and starter ring gear.

Fuel system

Air flow & air pressure & air temperature sensors and meters, fuel cut-off valves, fuel gauge & sender unit, fuel pressure regulators & accumulators, fuel pumps (including pre-pumps, low & high pressure pumps & injection pumps), injectors (max 2 per policy including petrol & diesel & single-point injectors), oxygen sensors, throttle body assembly and throttle position sensors.

Gearboxes

(Including automated manual gearboxes, automatic gearboxes, four wheel drive transfer gearboxes, hybrid transaxles, manual gearboxes and transaxles. Automatic transmission brake bands & clutches & modulator valves, drive chains, gear lever, gears, hydraulic gear-shift governors & internal servos & valve blocks, internal bearings & bushes, oil pumps, selector forks, shafts (all, including extension shafts), synchromesh hubs and rings and torque converter.

Ignition system

Camshaft sensors, crankshaft sensors and ignition coils.

Oil seals & gaskets

The engine crankshaft rear oil seal and the main gearbox input shaft oil seal are both covered and other oil seals and gaskets that would necessitate the removal of the engine, a gearbox or a final drive unit to carry out repairs are all covered subject to any oil leak from them being sufficiently advanced that oil can be seen to be dripping (slight leaks causing only oil misting or staining are excluded from cover).

Suspension

Bushes, front and rear coil springs, shock absorbers, upper and lower wishbones, ball joints, swivel joints, McPherson struts, suspension arms, anti-roll bar, anti-roll bar links, self-levelling pump and regulator valves and displacer.

Wear and tear cover

The following are covered for wear and tear only up to 110,000 miles and 10 years, whichever is sooner (inspections may be required): Piston rings, Cylinder bores, Valve guides, Timing chain & Tensioner, Manual gearbox bearing, Coil springs, Clutch release bearing, Fuel pump, Antilock brake system, EGR valve, Air flow meter, Power steering pump, Wheel bearings and Shock absorbers.

Extra benefits at no extra cost*

£55 Recovery contribution

£75 or 2 days car hire contribution

£50 Hotel & Transport contribution

£100 European cover contribution

Consequential damage If a non-covered part causes damage to a covered part, we will still honour the claim.