Legal, company and policy information

Product documents

These documents explain the applicable benefits, eligibility, limits, exclusions and procedures. Your individual warranty schedule or membership certificate should be read with the relevant documents.

Cancellation and refunds

Customers who buy directly from Warranties 4U may cancel within 14 days and receive a full refund, provided the applicable cancellation conditions in the product documents are met. After the 14-day cancellation period, no refund is available.

To request cancellation, email admin@warranties4u.co.uk with the customer name, vehicle registration and warranty or membership details.

Breakdown membership provider

Protect and Protect Plus breakdown memberships are managed by International Breakdown Ltd trading as National Breakdown, registered in England and Wales under company number 03917880. International Breakdown Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 313459.

Under the breakdown membership terms, Warranties4U Ltd acts as the selling agent arranging membership on the customer's behalf. The uploaded membership document describes the product as a breakdown membership and does not identify a separate insurer or underwriter.

Privacy information

Warranties4U Ltd collects personal information where necessary to provide quotations, administer warranties and breakdown memberships, process payments, assess claims, manage dealer applications, prevent fraud, meet legal obligations and provide customer support.

Where necessary for those purposes, information may be shared with:

• Stripe, to process and confirm payments securely;
• Supabase, which provides secure database, authentication, document-storage and portal services;
• Netlify, which hosts the website and processes hosted form submissions;
• Vehicle Data Global, to obtain vehicle information following a registration lookup;
• National Breakdown and International Breakdown, to arrange and administer breakdown membership and assistance;
• repair garages and relevant suppliers, to assess, authorise and complete warranty claims;
• supplying or administering motor dealers, where required to create or administer a warranty;
• our email provider, to deliver service, policy, claim and authorised marketing communications; and
• professional advisers, regulators or authorities, where disclosure is required by law or necessary to establish, exercise or defend legal rights.

We share only the information reasonably required for the relevant purpose and require service providers to handle it securely under their applicable contractual and data-protection obligations.

Retention schedule

• Abandoned quotations and vehicle lookups: 12 months after the last activity, unless the information becomes part of a purchase, complaint or legal matter.
• Warranty, breakdown membership and customer contract records: throughout the agreement and for six years after expiry or cancellation.
• Claims, quotations, uploaded evidence and claim audit history: six years after the claim is finally closed.
• Complaints: six years after final closure.
• Approved dealer applications, dealer agreements and account records: throughout the relationship and for six years after it ends.
• Unsuccessful or withdrawn dealer applications: 12 months after the decision or withdrawal.
• Payment and accounting records: six years from the end of the relevant company financial year, or longer where HMRC or another legal requirement applies.
• General enquiries that do not lead to a product or complaint: two years after the enquiry is closed.
• Marketing records: reviewed after 24 months without engagement. A minimal suppression record may be retained while marketing continues so that an opt-out is respected.

Deletion may be paused where a record is required for an active complaint, claim, investigation, legal hold or statutory requirement. At the end of the applicable period, information will be securely deleted or anonymised.

Product and service communications are separate from optional marketing. Customers may choose to receive marketing about similar Warranties 4U products and may withdraw that choice at any time by emailing admin@warranties4u.co.uk. Every electronic marketing message will provide an unsubscribe route.

You may ask for access to or correction of your information and, where applicable, request erasure or restriction, object to processing or request data portability. You may also complain to the Information Commissioner's Office. The official data-protection contact is admin@warranties4u.co.uk.

Privacy notice status: The insured-product regulatory disclosure and any applicable international-transfer details will be added when confirmed.