I had a a claim refused due to wear and tear. A major engine component malfunctioned. The car was just over 3 years old. The claim was rejected and the following clause in the contract pointed out to me in their rejection letter. ""Breakdown means the sudden and unforeseen failure of a component arising from any permanent mechanical or electrical defect, (for a reason other than the wear and tear, normal deterioration or negligence) before normal operation can resumed"". I took the contract to a solicitor and he confirmed the clause means all claims can be rejected on wear and tear grounds and so the warranty was useless. After what happened to me I'd urge anyone out there with said warranty to ask for your money back. It's worthless. My repair bill was considerable.
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