Terms & Conditions

Full contract between you and Drive Safe Warranty Ltd — aligned with the plan Welcome Packs, the PreContract Information Notice and the other legal pages so that cover, servicing, authorisation, claim-decision, cancellation and transfer wording is consistent across every document.

Last updated: June 2026 · Effective date: 1 June 2026

IMPORTANT — NOT INSURANCE • NOT FCA-REGULATED • NOT COVERED BY FSCS • NOT UNDER FINANCIAL OMBUDSMAN SERVICE JURISDICTION • DISCRETIONARY WARRANTY PLAN GOVERNED BY UK CONSUMER LAW (CRA 2015 & CCR 2013)

By purchasing a plan you confirm you have read, understood and accepted these Terms and the linked Pre-Contract Information Notice. Your statutory rights under the Consumer Rights Act 2015 are not affected by anything in this document.

SECTION 01

About us and the nature of this product

Drive Safe Warranty Ltd is a company registered in England & Wales (Co. No. 16869269), with its registered office at 135 Park Road, Peterborough PE1 2UD. We trade as "Drive Safe Warranty".

This is not a contract of insurance. A Drive Safe Warranty plan is a self-funded, discretionary repaircontribution plan. Decisions to authorise repairs are made by us at our discretion in line with the terms of the plan you have purchased.

We are not authorised or regulated by the Financial Conduct Authority. Our plans are not covered by the Financial Services Compensation Scheme (FSCS). Disputes about our plans cannot be referred to the Financial Ombudsman Service (FOS). Your statutory rights under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are unaffected.

SECTION 02

Definitions

"Plan" — the Drive Safe Warranty plan you have purchased (Silver, Gold, Platinum, EV & Hybrid or Commercial).

"Plan Period" — the period of cover specified in your Welcome Pack, beginning on the Effective Date and ending on the Expiry Date.

"Effective Date" — the date your plan was activated, which is the date of purchase unless otherwise stated in your Welcome Pack.

"Waiting Period" — the 30 days immediately following the Effective Date during which no claim may be made.

"Repair Authorisation Number (RAN)" — the written reference we issue to confirm a claim has been authorised, before repair work begins.

"Authorised Repair" — any repair work for which we have issued a written RAN before the work begins.

"Customer Portal" / "Member Hub" — the secure online area at customer.drivesafewarranty.co.uk through which you submit claims and manage your plan.

"VAT-Registered Garage" — any garage in the United Kingdom holding a current VAT registration.

"TNS365" — TNS 365 Ltd, our appointed independent provider of breakdown, roadside tyre and recovery assistance (see §3.2).

SECTION 03

The Plan you have purchased

The specific cover, limits, eligibility and exclusions for your plan are detailed in the Welcome Pack issued to you on purchase and in the Pre-Contract Information Notice. Where there is any inconsistency between this document and the Welcome Pack, the Welcome Pack will prevail in your favour as the consumer.

3.1 Plan tiers

We offer five plans, each available as a 12-month, 24-month or 36-month contract. All prices shown are retail and include the multi-year discount.

Plan-specific cover. Platinum additionally covers hybrid ancillary components and HV battery cover (triggered when state of health falls below 70%). EV & Hybrid is for EV/hybrid vehicles only and adds dedicated 17-component EV cover, including the traction battery, drive motor, inverter and on-board charger. Commercial covers light commercial vehicles up to 3.5T and hire-and-reward use (taxi, PCO/private hire, ride-share, courier, rental/hire fleet); excluded are HGVs over 3.5T and fleets of five or more vehicles under a single owner. All breakdown cover is 24/7 UK via TNS365 with recovery to 25 miles — see §3.2.

Important — vehicle use restriction.Hire and reward use (PCO/private hire, taxi, ride-share such as Uber/Bolt/Lyft, delivery driving, courier work, chauffeur driving, instruction, hire/rental fleets) is covered only under the Commercial plan. The Silver, Gold, Platinum, and EV & Hybrid plans are for private use only; see §6 (exclusions).

3.2 Breakdown, roadside assistance and recovery

Where your plan includes breakdown cover (or you have selected it as an add-on), breakdown, roadside tyre and recovery assistance is provided through TNS365, our appointed assistance provider. The following terms apply.

(a) How to get help. If your vehicle breaks down, contact TNS365 directly on 0330 0433 365 (lines open 24/7). Have your plan number, vehicle registration and location ready. Do not use the Customer Portal for a breakdown — the Portal is for warranty repair claims only.

(b) What is included. 24/7 roadside assistance throughout mainland Great Britain for a mechanical or electrical failure that immobilises the vehicle, including diagnosis and minor repair at the roadside where safe and reasonably practicable. These services are provided under your plan at no additional charge to you, except as set out in (c‌) and (d).

(c‌) Tyre assistance. Puncture repair where it can be carried out safely, and fitting of the vehicle's own serviceable spare wheel where one is carried. Where no usable spare is available, TNS365 will assist in sourcing and fitting a replacement tyre; the cost of the replacement tyre and its fitting is payable by you.

(d) Recovery. Where the vehicle cannot be made roadworthy at the roadside, TNS365 will recover it to the nearest appropriate repair garage, up to a maximum of 25 miles from the point of breakdown. Recovery to any alternative or more distant location, where it can be arranged, is payable by you.

(e) Territorial limit. Breakdown, tyre and recovery assistance applies within mainland Great Britain only. No assistance is provided outside the United Kingdom.

(f) Not included. Unless expressly stated in your Welcome Pack, breakdown cover does not include home-start, onward or alternative travel, replacement or hire vehicles, overnight accommodation, or any contribution toward such costs. Assistance is for the covered vehicle only and is subject to the vehicle being taxed, insured, road-legal and safely accessible.

(g) Provider responsibility. Breakdown, tyre and recovery services are supplied by TNS365, an independent third party, not by Drive Safe Warranty. The cost of services covered by your plan is settled by us directly with TNS365. We are not liable for the acts, omissions, response times or availability of TNS365, but will take reasonable steps to ensure a satisfactory standard of service and will assist in resolving any service issue.

(h) Waiting period. Breakdown assistance is subject to the same 30-day Waiting Period as your warranty and runs for the same term as your plan.

SECTION 04

Eligibility

Cover is available only where the vehicle, at the Effective Date:

• is registered to a UK address;

• falls within the age and mileage limits of the chosen plan;

• has been serviced in accordance with the manufacturer's recommended schedule, with documentary evidence retained;

• is roadworthy and free from any known fault or symptom of an impending fault.

MOT Validity — Acceptance Condition. Drive Safe Warranty cannot accept a vehicle onto a plan, and no plan will be issued, where the vehicle's current MOT test certificate is due to expire within 40 calendar days of the proposed plan start date, unless the customer first provides either (a) a new MOT pass certificate issued no more than 14 days before the plan start date, or (b) an independent pre-purchase mechanical inspection report from a VAT-registered garage, dated no more than 14 days before the plan start date, confirming no existing or developing faults. This condition does not apply to vehicles not yet legally required to hold an MOT certificate (in the UK, cars under three years old from first registration); for those, the standard roadworthiness and service-history conditions apply. This is an acceptance condition assessed before purchase. Where it is not met, no contract is formed and no payment is taken. It does not affect customers whose plans have already started. The existing roadworthiness / valid-MOT conditions are retained alongside this clause.

SECTION 05

What is covered

Cover is for sudden and unforeseen failure only. The plan covers the sudden and unforeseen mechanical or electrical failure of a listed component. It does not cover gradual deterioration, progressive decline in performance, or a component reaching the end of its serviceable life through normal use or wear, even where the final breakdown of that component occurs during the plan term. A failure resulting from a condition that was developing over time is not a sudden and unforeseen failure for the purposes of this plan.

Subject to the limits and exclusions in this document and in your Welcome Pack, we will contribute toward the repair or replacement of components covered by your plan that fail after the Waiting Period has ended. The full list of covered components is set out in your Welcome Pack.

SECTION 06

What is not covered

We will not contribute toward:

• any fault, defect, or symptom that existed, or that you knew or could reasonably have known about, on or before the Effective Date (a pre-existing fault — see §7);

• any fault that occurs or first becomes apparent during the 30-day Waiting Period — see §8;

• any work commenced before we have issued a written Repair Authorisation Number (RAN); work started without a RAN may not be paid — where this happens we will consider the circumstances and will not unreasonably reject a valid claim (see §13);

• Wear and tear. Except for the specific wear-and-tear items expressly listed as covered in the customer's plan, failure caused by wear and tear, gradual deterioration, or a component reaching the end of its serviceable life is not covered. Where the plan does expressly list wear-and-tear items as covered, those named items are covered only where: (a) the vehicle is within the age and mileage limits stated for wearand-tear cover under that plan; (b) the diagnostic assessment shows the item was not already worn beyond serviceable condition, or in the process of failing, as at the plan start date; and (c) the vehicle has been serviced in line with the manufacturer's schedule. Routine maintenance and consumables (filters, brake pads, spark plugs, oils, fluids) and MOT-failure items remain excluded even where wear-related and even on plans that include selected wear-and-tear cover;

• any fault, breakdown, or damage caused or made worse by continued use of the vehicle after a fault first became apparent;

• accident, collision, misuse, abuse, neglect, fire, flood, theft, vandalism, civil unrest, war, terrorism, or any modification of the vehicle from its manufacturer specification;

• routine servicing, MOT failure items, consumables (oils, fluids, brake pads/discs/shoes, wiper blades, bulbs, batteries, exhausts unless plan-specific), cosmetic items, trim, glass, paint, or items rectifiable by adjustment;

• any vehicle used for hire and reward, including: private hire (PCO-licensed) vehicles, taxis, ride-share (Uber, Bolt, Lyft and similar), delivery driving (food, parcel, courier), chauffeur work, driving instruction, vehicle hire/rental fleets, car-sharing fleets, or any other commercial passenger or goods carriage. This exclusion applies to the Silver, Gold, Platinum and EV & Hybrid plans, regardless of whether the vehicle is also used privately. Such use, if undertaken at any time during the Plan Period, voids cover for any claim arising while the vehicle was so used. Hire-and-reward and PCO use can only be covered under our Commercial plan; please contact us before purchase if you use your vehicle for any of these purposes;

• recall items; manufacturer warranty items; items covered by any other warranty, service contract, or guarantee; insurance claims or items recoverable through motor insurance;

• software faults, calibration, mapping, retro-fit equipment, after-market accessories, and any fault arising from non-OE/OEM parts fitted before the Effective Date;

• loss of use, hire-car costs, accommodation costs, travel costs, loss of income, or any other indirect or consequential loss (see §18);

• any part of a claim to the extent that a lapse in servicing — the vehicle not having been serviced in line with the manufacturer's schedule, or such servicing not being evidenced — caused or contributed to the failure. A servicing lapse does not, by itself, exclude a claim for a failure that is unconnected with the lapse (see §9);

• any claim where you cannot produce evidence of the fault on request (diagnostic report, photographs, or inspection access — see §14);

• vehicles outside the plan eligibility limits at the date the claim is submitted (age, mileage, or excluded vehicle category).

This list is not exhaustive. The full schedule of exclusions applicable to your plan is in your Welcome Pack. Where this document and the Welcome Pack conflict, the Welcome Pack prevails in your favour as the consumer.

SECTION 07

Pre-existing faults

Pre-existing and developing faults. No claim will be considered where the diagnostic assessment shows that the failure, or the underlying defect that caused it, was present, developing, or latent in the vehicle as at the plan start date — whether or not the failure had fully occurred by that date, and whether or not the customer was aware of it. This includes any fault that a competent inspection would reasonably have identified at the plan start date, and any fault the customer knew, or could reasonably have been expected to know, about before purchasing the plan.

Where a claim is submitted within the first 90 days of the Effective Date, we may require, at our reasonable discretion:

• a full and contemporaneous service history, with receipts;

• a written diagnostic report from a UK VAT-registered garage stating the cause and probable onset date of the fault;

• photographs of the failed component;

• inspection access to the vehicle (in person or via a nominated agent) before the repair begins.

If, on the balance of evidence available, we conclude that a fault is pre-existing, we may decline the claim. We will write to you explaining our reasoning, and you may exercise the appeals route set out in §5 of this Legal Pack (Disputes & Complaints Policy). Where evidence is genuinely borderline, we exercise discretion in your favour as the consumer.

Concealment, misrepresentation, or omission of a known fault before the Effective Date is a fundamental breach of these Terms and may result in cancellation of the plan with no refund.

Where, on the balance of evidence, we determine that a fault was pre-existing and was not disclosed to us at the point of sale, we additionally reserve the right to: decline the claim in full and close it on file; recover any contribution already paid out in good faith on that claim; cancel the plan from the Effective Date on the basis of fundamental misrepresentation, with no refund; commission an independent expert vehicle inspection; and decline any further plans you apply for in future.

Onset-of-fault assessment. Where the onset of a fault is in dispute, we may rely on (a) the garage's diagnostic report, (b) historic service records, (c‌) MOT advisories from prior years on the DVSA MOT history service, (d) photographs of the failed component, and (e) an independent engineer's report where the value of the claim warrants it.

Statutory rights preserved. Nothing in this section affects your statutory rights under the Consumer Rights Act 2015 or your right to invoke the complaints and appeals route.

SECTION 08

The Waiting Period

A Waiting Period of 30 days applies from the Effective Date of every new plan. No claim may be made for any fault that occurs or first becomes apparent during the Waiting Period. This applies regardless of when the claim is reported — only the date the fault first occurred matters. The Waiting Period does not apply to plans renewed on or before the prior Expiry Date with no gap in cover.

The Waiting Period is industry-standard practice for self-funded discretionary warranty plans and is disclosed pre-sale in the Pre-Contract Information Notice.

SECTION 09

Service history requirement

It is a condition of every plan that you maintain the vehicle in accordance with the manufacturer's recommended service schedule and retain documentary evidence of each service (receipts, service-book stamps, or digital service records).

We may, at our reasonable discretion, request evidence of service history at any time: at the point of any claim; during the first 90 days of cover (see §7); if a claim relates to an oil-lubricated component (engine, gearbox, differential); or if a claim relates to a service-interval-specific item (e.g. cam belt, water pump, timing chain).

Where servicing has lapsed or cannot be evidenced, we may decline a claim only to the extent that the lapse caused or contributed to the failure; cover continues for a failure that is unconnected with the servicing lapse. Cover does not require manufacturer (main dealer) servicing; servicing by any UK VAT-registered garage in line with the manufacturer's schedule is acceptable.

SECTION 10

Authorised parts, labour, and betterment

For any Authorised Repair:

• Parts: we will contribute toward OE, OEM, or quality-equivalent recognised aftermarket parts. We will not contribute toward unbranded or unidentifiable parts, used parts of unknown provenance, or parts marked up beyond the prevailing UK trade rate.

• Labour: our maximum labour-rate contribution is plan-specific (Silver £50/h; Gold £60/h; Platinum, EV & Hybrid, Commercial £70/h, inclusive of VAT where applicable). Any rate above the plan rate is payable by you. Labour times are assessed against industry-standard manuals (e.g. Autodata, ICME).

• Betterment: where an Authorised Repair would put the vehicle in materially better condition than before the fault, we may apply a fair and reasonable wear-share, disclosed in writing in the RAN.

• Diagnostic contribution: see §11.

SECTION 11

Diagnostic contribution

Initial diagnostic costs are payable by you. If the resulting claim is authorised, we will reimburse a contribution toward your diagnostic fee: Silver up to £25; Gold up to £50; Platinum up to £75; EV & Hybrid up to £75; Commercial up to £75 per authorised claim.

Diagnostic contributions are payable only on claims we authorise, and only against a VAT invoice from a UK VAT-registered garage. If a claim is not covered, the diagnostic cost is payable by you. Diagnostic contributions count toward your annual cap.

SECTION 12

Discretion

DriveSafe Warranty is a self-funded discretionary plan. This means that all claim decisions are made by us, as plan administrator, at our reasonable discretion within the framework of these Terms and the Welcome Pack issued to you. There is no third-party underwriter and no insurance pool.

In exercising discretion we follow the published cover, limits and exclusions in your plan; we consider the documentary and physical evidence on the balance of evidence; where evidence is genuinely borderline the burden sits with us, not you; and where we decline a claim we write to you setting out our reasoning, with an appeals route available.

Our discretion is exercised in good faith and is not a basis for arbitrary refusal of valid claims. Your statutory rights under the Consumer Rights Act 2015 (including the right to a service performed with reasonable care and skill) are unaffected.

SECTION 13

The claim process and Repair Authorisation Number (RAN)

To make a claim:

• Stop using the vehicle if continued use could worsen the fault. Continued use may invalidate cover for damage caused by that continued use.

• Log the claim via your Customer Portal at customer.drivesafewarranty.co.uk, providing your registration, fault description, and the name of the UK VAT-registered garage you have chosen.

• If you are unable to use the Customer Portal — for example because of a disability or lack of internet access — call us on 01375 470 585 and we will help you register and manage your claim.

• Pay the initial diagnostic fee to the garage and upload their diagnostic report to the Portal.

• Do not authorise any repair work yourself. Repairs commenced before we have issued a written RAN may not be paid — where this happens we will consider the circumstances and will not unreasonably reject a valid claim.

• We will confirm our decision to you in writing promptly — normally within 2 working days of receiving a complete claim, and in any event within 5 working days.

• The RAN sets out the authorised work, parts, labour time, contribution amount, and any betterment or excess. The RAN is valid for 14 days from issue; repair work must begin within that window.

• The garage carries out the authorised work and submits an itemised VAT invoice to us.

• We pay the authorised contribution direct to the garage; you pay the excess, the diagnostic fee (less any plan contribution), and any amount above the plan limits.

SECTION 14

Our right to inspect

We reserve the right, at our reasonable discretion and at our cost, to inspect the vehicle (or have it inspected by a nominated engineer) before authorising a repair. We will not unreasonably delay the claim process. Where we choose to inspect, the garage must hold the vehicle without dismantling further than is needed for diagnosis. The full claim time limit is suspended during the inspection process.

SECTION 15

Payment terms

Plan fees are payable in full at purchase or via the agreed instalment arrangement with our finance partner. Where you pay by instalments, your contract with the finance partner is separate from this contract. If your instalment plan defaults, your Drive Safe Warranty plan may be suspended or terminated subject to the finance partner's terms.

SECTION 16

Cancellation

Your statutory cancellation rights, the goodwill pro-rata refund arrangement, and the cancellation procedure are set out in full in the Cancellation Rights Policy. The Cancellation Rights Policy forms part of these Terms. In summary, you have a statutory right to cancel within 14 calendar days of the start date — or, if later, of the day you receive your plan documents — for a full refund, provided no claim has been made.

SECTION 17

Transfers

Your plan is transferable to a private buyer when you sell the vehicle, subject to:

• you giving us 14 days' written notice via the Customer Portal;

• the buyer being a private individual (not a motor trader);

• the vehicle still meeting the eligibility criteria at the date of transfer;

• payment of our administrative transfer fee (£35 as at the effective date of these Terms);

• the buyer accepting these Terms in writing within 14 days of the transfer request.

Transfers to motor traders, between dealers, or to a vehicle other than the one originally covered are not permitted.

SECTION 18

Limitation of liability

Our liability under any plan is strictly limited to the applicable per-claim and annual caps set out in your Welcome Pack. We are not liable for any indirect or consequential loss, including loss of use, hire-car costs, accommodation costs, or loss of income arising from a vehicle being unavailable for use.

Nothing in these Terms excludes or limits liability for death or personal injury caused by our negligence, for fraud, or for any other liability that cannot be excluded by law.

SECTION 19

Changes to these Terms

We may update these Terms from time to time. The current version is published at drivesafewarranty.co.uk/terms with a clear effective date. Material changes that affect plans already in force will be notified to you by email at least 30 days before they take effect; if you do not wish to accept the changes you may cancel your plan and receive a pro-rata refund.

SECTION 20

Governing law and jurisdiction

These Terms are governed by the laws of England & Wales. Disputes arising from these Terms or your plan are subject to the exclusive jurisdiction of the courts of England & Wales, subject to your statutory consumer rights.

SECTION 21

Suppliers and payment providers

DriveSafe Warranty Ltd uses third-party suppliers to operate the website, process payments, deliver communications, and provide breakdown assistance (TNS365 — see §3.2). Each supplier is bound by a written services agreement and, where applicable, a UK GDPR Article 28 Data Processing Agreement.

Our payment providers are Stripe UK Ltd (pay-in-full), Bumper International Limited (monthly instalment finance), and GoCardless Ltd (Direct Debit). Bumper acts as a separate data controller for its own credit decisions.

No DriveSafe employee, director, or related party receives a commission or other incentive tied to declining a valid claim. Claim handlers are remunerated on a salaried basis without claim-decision bonuses.

SECTION 22

Dealer sales channel

Where you purchased your plan through a motor trade dealer: the dealer acts as an introducer of Drive Safe plans at the point of vehicle sale, not as our agent for claim handling; the dealer is responsible for giving you the Pre-Contract Information Notice before purchase and confirming eligibility; any representation by the dealer inconsistent with these Terms and your Welcome Pack is not binding on Drive Safe; and if a fault becomes apparent within the first six months of vehicle ownership and is reasonably attributable to a preexisting condition at the point of sale, your primary recourse is against the supplying dealer under the Consumer Rights Act 2015 (under which such a fault is presumed to have been present at the point of sale unless the dealer shows otherwise), although we will assist with diagnostic evidence on request.

SECTION 23

Contact us

Drive Safe Warranty Ltd • 135 Park Road, Peterborough PE1 2UD • 01375 470 585 (Monday–Saturday, 9am–6pm) • info@drivesafewarranty.co.uk • drivesafewarranty.co.uk

Breakdown (TNS365): call 0330 0433 365 (24/7). Warranty claims: Customer Portal at customer.drivesafewarranty.co.uk.