Mechanical Breakdown Insurance

We can protect you from the unexpected expense of bills for mechanical repairs, with our Mechanical Breakdown Insurance cover.

Purchase coverWhat's covered?

Mechanical Breakdown Insurance For Your Vehicle

We believe that we provide one of the most comprehensive vehicle warranty products on the market and we are confident that we can satisfy your needs. Whether you are now buying a used vehicle, already own your vehicle and want to protect it, or you want to extend the expiring manufacturer’s warranty, SaveMoneyHub has the right warranty for you.

For complete peace of mind, Wear and Tear and Boost are available as an upgrade on all our Elite MBI policies and there is no Policy Excess to pay

Why buy a SaveMoneyHub warranty

SaveMoneyHub’s Vehicle Warranty is a fully insured product (also known as mechanical breakdown insurance or MBI) backed by our A-rated Insurance Partners and designed to protect you from repair bills if your vehicle breaks down.
  • SaveMoneyHub can provide Day 1 extended vehicle warranty cover.
  • One (1) call and our claims specialists will handle your repair directly with your selected garage.
  • All repairs monitored by our claims team.
  • Parts and labour costs are included for each of our warranty options.
  • SaveMoneyHub can pay your selected garage directly, saving you the time and effort of paying and then reclaiming any approved costs.
  • Wear and Tear and Boost cover are available as an upgrade on all of our warranties, providing cover for the Battery, Catalytic Convertor, Satellite Navigation system, In-car Entertainment and Diesel Particulate Filter.
  • Cover is available for Car, Light Commercial Vehicle, Motorcycle, Moped, Motorhome or Caravan
  • With a choice of Claim limits to suit you and a labour rate of £70 per hour

Mechanical Breakdown Insurance prices*

* prices may vary due to your vehicle eligibility

12 Months

£69 inc. IPT
  • 12 Months Cover
  • £1000 Claim limit

24 Months

£89 inc. IPT
  • 24 Months Cover
  • £1000 Claim limit

36 Months

£109 inc. IPT
  • 36 Months Cover
  • £1000 Claim limit

12 Months

£69 inc. IPT
  • 12 Months Cover
  • £2500 Claim limit

24 Months

£89 inc. IPT
  • 24 Months Cover
  • £2500 Claim limit

36 Months

£109 inc. IPT
  • 36 Months Cover
  • £2500 Claim limit

12 Months

£69 inc. IPT
  • 12 Months Cover
  • £5000 Claim limit

24 Months

£89 inc. IPT
  • 24 Months Cover
  • £5000 Claim limit

36 Months

£109 inc. IPT
  • 36 Months Cover
  • £5000 Claim limit

What is covered?

There are a several reasons you might want to take out an extended warranty:

Unexpected Costs:

A used vehicle is more likely to suffer a mechanical failure than a brand-new vehicle and we do not buy any age of vehicle on the presumption it is going to break down. Any Mechanical faults, and their related costs, will come as an unexpected blow at any time, but a SaveMoneyHub warranty could help to cushion that blow.

Cheaper than the Cost of a Repair:

We may well have some type of insurance that we elect to pay for and we may pay for that annually or on a monthly basis and yet we may never have to use it. If we do use that insurance at some point, we rest easy in the knowledge that the insurance will take care of the resulting costs. If your vehicle does suffer from a mechanical or electrical failure and you have a SaveMoneyHub warranty in place, you may well find that the cost of those repairs will be 100% covered by us, but please bear in mind that the total costs might exceed the cost of the SaveMoneyHub warranty you have paid for. Please look at the Claim Limit options available.

Expenses other than an actual repair:

Your vehicle may not be able to be repaired on the same day. Depending on the failure it may well be out of action for a few days or even weeks. SaveMoneyHub`s warranty will cover related costs beyond the repair, including car hire or overnight accommodation. Please see what is available under our “Additional Benefits” section in the terms and conditions.

What sets our warranties apart from the competition?

Wear and Tear:

Wear and Tear cover is available as an upgrade and (if selected and the additional premium is paid), means that if a part breaks, or fails, due to the mileage or running of the car, it is typically considered as failure due to “Wear & Tear” and it is the expected deterioration or performance of a part due to the cars age or mileage. Apart from burnt or worn-out clutch parts, all our warranties include cover for Wear and Tear, after the initial exclusion period.

Boost:

Boost cover is available as an upgrade on all of our warranties and (if selected and the additional premium is paid), We would cover the Battery, Catalytic Convertor,  Satellite Navigation system, In-car Entertainment and Diesel Particulate Filter.

Our Mechanical Breakdown Insurance policies are Insurance Backed!

  • FSCS Protected & Insurance backed by an A-rated Insurer.
  • Cover starts on day one.
  • Cover available for Car, Light Commercial Vehicle, Motorcycle, Moped, Motorhome or Caravan
  • Cover is for All mechanical and all electrical failure – called “Elite” on Car / LCV or “Gold” on Motorhome, Caravan, Motorcycle or Moped.
  • Cover for wear and tear and Boost Cover are available as an upgrade for an additional premium.
  • Partial or no service history prior to inception is not a problem.
  • No policy excesses.
  • All Mechanical and Electrical cover for vehicles up to 10 years / 100,000 miles.
  • No age or mileage limit once cover starts.
  • 30 days cooling off period – subject to no claim having been made.
  • Cover available for 1, 2 or 3 years.
  • Pay in full or over 10 months at 18.41% APR, with a small deposit.
  • All claims settled directly to our approved repairers.

Frequently asked questions

What is the maximum age that my vehicle can be to qualify for a SaveMoneyHub warranty?

  • If Your Vehicle is a car or light commercial vehicle, then it must be no more than 120 months old (from date of DVLA original registration) and not have covered more than 100,000 miles at the time of policy purchase.
  • If Your Vehicle is a motorcycle, then it must be no more than 96 months old (from date of DVLA original registration) and not have covered more than 70,000 miles at the time of policy purchase
  • If Your Vehicle is a Motorhome, then it must be no more than 60 months old (from date of DVLA original registration) and not have covered more than 60,000 miles at the time of policy purchase.
  • If Your Vehicle is a Caravan, then it must be no more than 60 months old (from date of original registration) at the time of policy purchase.

How long will my SaveMoneyHub vehicle warranty last?

  • You can buy an extended warranty for periods of 12, 24 or 36 months.

Can I spread the costs of the SaveMoneyHub vehicle warranty?

  • You can. SaveMoneyHub will allow you to spread the costs of your warranty over 12 equal monthly payments.

What happens if my vehicle breaks down whilst I am away on holiday?

  • Your SaveMoneyHub warranty will cover you for up to 60 days if you are in European Economic Area which also includes Northern Ireland, the Channel Islands and the Isle of Man.

If my vehicle breaks down on holiday, how do I claim?

  • Please do not worry, our claims process is the same as if you were in the UK. The only difference being that you will have to pay for any costs, directly to the repairer. On your return, you will then reclaim our authorised and agreed claim amount from us.

Can I make a claim out of hours?

  • Yes. You can register any warranty claim with us on our “Out of hours” message service but we cannot approve any potential claims until we re-open. Please ensure that you DO NOT authorise the repairer to start any work on your vehicle until we have agreed the claim.

What happens if I sell my Vehicle?

  • If you decide to sell your vehicle before your SaveMoneyHub warranty has expired, you can request that we transfer any remaining period to the new owner. There would be an administration fee payable, should we agree to the transfer.

Do I need to pay any excess?

  • No. There is no policy excess.

Is there any loading for the make or model of vehicle, or if I have a 4×4 vehicle?

  • No. We only rate our warranty prices based on if the engine size and it`s age, so you will not be charged more just because you own a prestige make of vehicle.

What does Boost cover include?

  • Our Boost cover includes the Battery, Catalytic Convertor, Satellite Navigation system, In-car Entertainment and Diesel Particulate Filter.

Do I need to pay for my repairs?

  • No. If you use one of our approved repairers, we will pay them on your behalf meaning that you do not need to pay and then reclaim from us.

Can I buy your warranty now and start it when my manufacturer warranty expiress?

  • Yes. Your SaveMoneyHub warranty will start from the date commencing immediately after expiry of the manufacturers’ existing warranty period.

Can I transfer my warranty policy?

  • Yes. You have two options available if you sell your vehicle.
  • If you have sold your car to a private buyer a warranty you can transfer the unused portion of the warranty to the new owners – subject to Our approval. A £15 administration fee will be required, which can be paid by debit or credit card. We cannot transfer the policy if you sell your car to a motor dealer.
  • Alternatively, if you have purchased a replacement car, where possible, the premium for the unused term will be transferred in full, to a replacement warranty from us and all transfer/cancellation fees will be waived. This can be done with us by phone or email.

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