This section details and forms part of the Warranty Agreement with the full Terms and Conditions including any exclusions.

1. Pinnacle Warranties provides this agreement, to administer the repair request in connection with the agreement protection. The agreement is set out to cover the sudden and unforeseen mechanical or electrical failure or breakage of an item as covered by the Essential, Enhanced and Elite options, which causes a sudden stoppage of its function. General wear and tear or metal fatigue is not covered by this agreement unless the vehicle has not exceeded 80,000 or 8 years from the point of manufacture. Agreements entered on our Elite cover are restricted to 100,000 miles and 10 years for wear and tear. Wear and tear will only be considered if there is a sudden stoppage or the item has failed. Gradual reduction in performance cannot be considered.
2. This agreement will reimburse you for the failed component(s), labour and VAT, subject to complying with the correct claims procedure and the failed component(s) being covered under the terms of your specific agreement.
3. The total claim benefit will be up to the claim limit less any excess as shown on your agreement certificate including labour, all parts and VAT.
4. 1. You will be covered by this agreement once the agreement application form has been received and accepted by us and the relevant payment has been paid. Failure to receive payment for the agreement will mean it become null and void
   2. No claim will be paid until full payment has been received for the agreement.
   3. Pinnacle Warranties will only pay for the reported problem, if covered by the level of cover selected. We will not pay for additional items during fault code readings, road testing, health checks, servicing, or diagnosis of the reported problem. Items replaced as good practice are not covered under this agreement.
5. Legal Jurisdiction:
6. In the event of any dispute between the parties relating to this agreement, it is mutually agreed that before embarking on litigation proceedings, the parties will attempt to resolve through negotiations or effective dispute resolution by the appointment of a mediator/arbitrator. If either party unreasonably refuses to invoke the mediation process, the other party can upon giving notice, rescind this term. In the event of a claim being rejected for any specified reason we reserve the right to add or subtract from our initial conclusion if further evidence should be presented. The agreement holder has 3 months to appeal the decision made by Pinnacle Warranties Ltd. Failure to appeal the decision within this period will result in your request being refused. This agreement will be governed by the law of England and Wales, unless the agreement was enacted in Scotland, in which case the law of Scotland applies.
7. This agreement WILL cover vehicles used for: Hire and Reward, imported vehicles, driving school vehicles and Commercial Vehicles subject to notification to Pinnacle Warranties Ltd, and upon receipt of an additional premium being paid. The value of the premium required will be quoted on an individual basis at the time of our notification. Failure to disclose that the vehicle is being used for any of the above, will result in potential claims being rejected. In addition, the agreement being nullified there will be no refund of premium paid.
8. Light Vehicles are referred to as vehicles (Up to 3500kg).
9. This agreement does not cover any form of accident howsoever caused. This would be covered by your own road risk insurance policy.
10. This agreement does not cover components that have been modified from the manufacturers original design.
11. No part of this agreement may be altered without the written consent of Pinnacle Warranties Ltd.
12. In the event of a problem occurring with your vehicle, you should stop and obtain advice from your local VAT registered repairer or from Pinnacle Warranties Ltd Claims Department in order to avoid causing any additional damage, which would not be claimable under your agreement.
13. This agreement does not offer any reimbursement for any repairs that have not followed the correct claims procedure.
14. This agreement will come to an end if any attempt is made to commit fraud.
15. If the vehicle is sold or disposed of, this agreement will come to an end unless the transfer procedure is followed and the transfer accepted
16. The agreement can be transferred but not to or via a dealer. In the event of your death, we will transfer the remainder of the policy to an immediate relative without charge.
17. This agreement is cancellable at any time up to 14 days from the start date by either party. If you have made a payment to the selling dealer then you should request a refund from them. We reserve the right to decline your cancellation request and to charge an administration fee in certain cases. Cancellation requests must be received in writing from the customer and the selling dealer.
18. In the event of a claim being presented, we reserve the right
    1. to appoint the Repairer of the vehicle,
    2. to have the vehicle examined by an Independent Assessor, the result of which will be binding on all parties.
19. The repair labour rate payable will be to a maximum of £50.00 per hour (inclusive of VAT) unless stated otherwise on your agreement certificate. Once the repair authorisation has been given in the format of the Claim Confirmation Form (CCF) it remains valid for a period of 3 months. Failure to carry out the repair work and to return all relevant documentation for reimbursement within this period will result in the authority being withdrawn.
20. This agreement will only pay for one repair on any of the parts listed (i.e. we do not pay twice for the same listed part).
    1. In all cases where possible, we will only pay for motor factor pattern parts, reconditioned/exchanged parts and in exceptional circumstances, warranted second hand parts can be used. Original Equipment components will only be approved if there is no alternative,
    2. Repair times will be assessed and agreed using AutoData/ICME repair time data,
    3. The liability of this agreement is to return the vehicle to its condition prior to the failure.
21. This agreement does not cover fire, collision, frost, snow, ice, flooding, freezing, blocked components, crystallisation, corrosion, cracked blocks, cracked cylinder heads due to lack of anti freeze, all fluid leaks, faulty workmanship of any description.
22. This agreement does not cover extreme/off road use, competitive track purposes, damage caused by impact or failures due to negligence.
23. This agreement does not cover vehicles that do not have a valid MOT certificate, road tax, vehicle insurance or exhaust emission MOT failures.
24. This agreement does not cover the incorrect grade/use of fuel or any failure that has been caused by the incorrect use of fuel (subject to additional fees with the Road Rescue cover).
25. This agreement will not cover vehicles that have had the manufacturer warranty removed for any reason.
26. This agreement does not cover bodily injury/death, accidental damage or any other damage however caused.
27. This agreement does not cover inherent faults of any description nor those caused by faulty workmanship or poor preparation. In most cases, an Independent Assessor will be used to ascertain/confirm an inherent fault.
28. This agreement will cover consequential damage if the failure of a covered component causes another covered component to fail. (Consequential Damage does not include driver abuse, negligence or continued use after the initial event).
29. This agreement and the payment of an agreed repair may be subject to an excess. Please refer to your agreement certificate for details of this excess. In the event of an agreed repair, this excess will be deducted from the overall agreed amount paid by Pinnacle Warranties Ltd.
30. Any extra benefits reimbursed by Pinnacle Warranties Ltd will form part of the maximum payout as detailed on your agreement certificate. Your vehicle must have a valid MOT and Road Tax at the point of a claim being received. Failure to abide by this term will result in your claim being declined.
31. This agreement does not cover acts of negligence or driver abuse which render components inoperative.
32. This agreement does not cover serviceable items or components that require periodic replacement. General maintenance procedures and adjustments are also not covered by this agreement (i.e. those items that would normally be maintained, replaced or adjusted during the routine scheduled servicing of the vehicle.) The following is an example, but not a definitive list – brake pads/shoes, brake discs/drums, drive belts, all filter types, all oils, brake fluid, antifreeze, screen wash, wiper blades, bulbs, complete exhaust system, clutch frictional material and air conditioning re-gassing (a contribution to air conditioning re-gassing will be made, as part of a valid claim – please see table for further benefits).
33. Failure caused by cross contamination is not covered by this agreement.
34. Damage caused by non-covered items and influences causing damage to covered items are not covered by this agreement.
35. This agreement does not cover any component with a Motor Manufacturer’s known failure which has resulted in any form of issued Technical Bulletin, Dealer Advisory or Recalls, Worldwide Technical Bulletin or Negative AI Component Failure Review.
36. This agreement does not cover any form of damage caused by excess carbon buildup or carbon corrosion.
37. This term is applicable to EV, FHEV, PHEV, MILD vehicles, any issues caused by a battery shortage, incorrect charging, power influx or battery degradation will not be considered.
38. THIS IS VERY IMPORTANT:

    You are responsible for ensuring that your vehicle is maintained every 12 months or 12,000 miles. You have a maximum of 1,000 miles or 30 days (whichever is the sooner), to have the service completed. If you exceed this, the agreement will come to an end and no refund will be given. Any issues experienced during this period will also not be considered. All relevant service invoices must be issued at point of sale and must be retained as they will be required in the event of you seeking reimbursement by this agreement.

    Timing belts are not covered if they are being replaced as part of the routine scheduled service procedure for your vehicle. (However, this agreement will reimburse you for a premature timing belt failure along with the additional damage that this may cause). N.B. The timing belt must have been replaced in the past, and must be replaced in the future at the correct specified intervals, with proof being retained for submission to Pinnacle Warranties Ltd in the event of a premature timing belt failure claim). We reserve the right to share your details with our service partners as part of the service.

39. Engine and Manual/Automatic or Semi-Automatic gearbox claims will be refused if there is no evidence of scheduled fluid and filter changes having taken place at specific times. Failure direct or indirect, of any Non-Metallic components within the engine, transmission, heating and/or cooling systems are not covered under the agreement, this will include the failed components effect on any metallic part.
40. Where we understand the inconvenience of your vehicle breaking down, we accept no liability for loss of use, inconvenience, lost time, commercial losses or any other, incidental or consequential damages.
41. Any claims registered prior to the expiry date of the policy will have a leeway of 5 trading days for a repairer to register a full breakdown of parts, labour, VAT and evidence if required. Failure to receive the required information within this time frame will result in the claim being refused.
42. Pinnacle warranties have the right to source and suggest that recon, green or pattern parts are used as part of a repair. Any claims exceeding the consumers warranty claim limit where the above method is used to mitigate costs will result in Pinnacle covering 50% of the repair liability within the claim limit.
43. The agreement cannot considered any issues noticed within the first 7 days of the agreement registration or start date.
44. The estimate and reason for your claim will only be considered from your first chosen repairer, any variations, further diagnosis, or input from any other third party cannot be considered unless prior agreement has been reached with Pinnacle warranties.
45. The agreement will only consider a claim, if an itemised quote and all attributing evidence/documents are supplied within the warranty coverage start and end date. Any missing or delayed information may prevent the claim being assessed unless the warranty is extended.
46. Warranty renewals: Your warranty does not automatically renew. We will make ever possible attempt to contact you on the details supplied if an available renewal is available.
47. Complaints procedure:

    If you have an enquiry or complaint, please mail us at info@pinnaclewarranties.co.uk or write to us at Pinnacle Warranties Ltd, The Wenta Business Centre, Unit 81, Colne Way, Watford, Hertfordshire WD24 7ND.

    The information contained within this document is correct as of 1st March 2025. The latest information can be obtained at the point of purchase or you can visit our website at www.pinnaclewarranties.co.uk.