Opteven will not pay for any claims if the vehicle is found to have inherent faults when the policy was taken out. Inherent faults are:
- Any seller-declared mechanical and electrical failure disclosed on the vehicle profile prior to sale.
- Any faults discovered at point of collection prior to payment being made.
- Any faults found to be not caused by sudden failure or breakage during the claim process.
From A-Z, Motorway Protect’s component exclusions are:
Air Bag
- Air bag, active head restraint
Air Conditioning
- Auxiliary heating system glow plug, air conditioning pipe and drain pipe, air conditioning schrader valve core and cap, compressor pulley, hybrid battery air conditioning valve, stationary remote heating.
Brakes
- Calliper mountings and cover, brake discs, pads, brake drum and rear brake lining.
- Master cylinder brake pipe, parking brake lever gaiter.
Clutch
- Clutch friction material, clutch hydraulic pipe, robotic gearbox sensor assembly.
Drive Systems
- Constant velocity (CV) joint boot, propshaft drive shaft gaiter.
Electrics
- Bulbs, sensors, wiring looms and connectors. Batteries, satellite navigation, telephone system, 12v socket, aux input socket, USB socket, clock, display, mirror defrosting, software updates and or adjustments, fuses, cigarette lighter, head up display, seat heater, solar panels, additional heating elements.
Electric and Hybrid
- Battery for traction motor (EV/Hybrid), battery charger for high voltage battery, high voltage charging socket and cable, high voltage battery wiring harness and heat exchanger (EV/Hybrid), high voltage socket lock actuator.
Emissions Control
- All gaskets, seals, hoses and pipes. Mounting and heat shield. DPF control unit, DPF re-generation, DPF additive injector. Exhaust system; manifold, flap control unit and flaps, front pipe, rear silencer, tailpipe trim/finisher, all mountings and bushes. Reducing agent system; injectors, heaters, sender, tank filter and breather. EGR valve filter.
Engine
- All gaskets and seals (except for Cylinder Head Gasket), hoses and pipes, pulleys/ dampers, mountings and core plugs. Drain plug (engine oil sump), dipstick, crankshaft oil seal housing, oil filler cap, engine oil filter housing, glow plugs, spark plugs, and HT leads.
Fuel System
- All gaskets, seals, hoses, pipes and mountings. Fuel injectors, injection pump housing, charcoal canister heater element, diesel pre-heater, distributor drive, LPG/CNG filter, fuel tank, fuel filler neck.
Manual or Automatic Gearbox
- All gaskets, seals, filters, and fluids. Gear knob and gear lever gaiter.
Miscellaneous
- All gaskets and seals (except Cylinder Head Gasket), hoses and pipes (except for steering high-pressure pipes), pulleys/dampers, sensors, drive belts (except cambelt), bulbs, mountings, clips, fastenings, bolts, fixings, filters, sealing material and compound. Wheels and tyres, wiper blades and arm, windscreen washer jet, heater valves, external oil/fluid leaks, rear view mirror, remote key fob, key blade, perishable rubber items, transmitter card, water ingress, carbon build up.
Suspension
- All bushes, mountings and covers. Shock absorber cup, control arm support.
Steering
- Gaiters, ignition key, steering wheel, steering wheel heater, steering lock, lock switch.
Turbo/Intercooler
- All gaskets, seals, hoses, and pipes. Turbo heat shield, intercooler, turbo mounting.
Vehicle Body
- All catches, latches, locks and hinges. Bodywork and chassis, interior and exterior trim, fabric roofs, glass, door handle retainer, door latch button and door linkage. Sunroof system; sunroof, frame, drain, blind, deflector.
Maximum Liability
There is a maximum claim limit of £10,000, for claims other than those listed below:
- In-car entertainment: provided that the equipment is factory fitted (excludes software updates/reprogramming, save to the extent required to complete a repair); up to £2,500 including VAT.
- Catalytic converter: Up to 100,000 miles.
- Lighting units: Up to £1,000 including VAT.
- Consequential damage: Where a covered component causes damage to another covered component up to £500 including VAT.
- Working materials: Where an authorised repair requires the replacement or topping up of oils, antifreeze or other fluids, or replacement of the oil filter, up to £100 including VAT.
Parts that still have valid manufacturer warranty aren't covered under your policy.
How this works for repairs
All repairs are subject to Opteven's terms and conditions as laid out in the Master Policy, which you'll receive once you've subscribed.
Repairs need to be undertaken by a VAT-registered repairer and Opteven will pay labour rates of £50 per hour, or £55 per hour inside the M25 (excluding VAT).
Any extra charges need to be settled by the dealer prior to closure of the claim.