The Auto Agency and the team at Gem Warranty sat down with the mission to create straight forward, honest car warranty for everyone. We believe we've created the finest combination of protection and services for you and your car.

If your vehicle has a failure our priority is to get you back on the road as soon as possible. We take our responsibility for protecting you very seriously, and we will do our best to help you through any potential stressful times. As such all vehicles under ten years old with Comprehensive Cover are covered by GEM rescue's 24 hour breakdown service. So, whatever time of day or night, you can rest assured that someone will be there to help.

Even the best warranty will never cover everything that can go wrong with a vehicle. In keeping with our honest approach we have clearly listed what isn't covered, as well as precisely what is.

What We Cover

Our Comprehensive cover includes everything listed here. Or you can limit your cover with our Options Warranty package and select just the categories you want. Cars that have travelled over 100,000 miles are eligible only for those categories shown in grey.


  • Big end bearings
  • Camshaft followers
  • Connecting rods
  • Crankshaft
  • Cylinder bores
  • Cylinder head
  • Cylinder head gasket (excl. oil leak)
  • Cylinder head skim
  • Distributor drive
  • Engine casings (if damaged by an internal component)
  • Main bearings
  • Oil pump
  • Oil pump drive gears
  • Pistons
  • Piston rings
  • Push rods
  • Ring gear
  • Rocker assembly
  • Timing belts (subject to correct replacement schedule having taken place)
  • Timing belt tensioner
  • Timing chains
  • Timing chain tensioner
  • Timing gears
  • Valve guides
  • Valve springs (Excluding all manifolds, swirl flap mechanisms and motors)

Diagnostics & Sundries

  • Up to one hour of diagnosis
  • Software reprogramming**
  • Sundries, such as oils, gaskets and filters (as part of an authorised repair)**


  • Clutch *
  • Duel mass flywheel (manual) *


  • Actuators
  • Baulk rings
  • Bearings
  • Brakes
  • Drive plate
  • Factory fitted overdrive units
  • Gears
  • Gear selector forks
  • Governors
  • Modulator valve
  • Oil pump
  • Servos
  • Shafts
  • Speedometer drive
  • Synchromesh hubs
  • Solenoids
  • Torque converter
  • Transfer box components
  • Valve block


  • Hydraulic PAS steering pump
  • PAS steering motor
  • Power assisted steering ram
  • Rack and pinion assembly (excluding rubber gaiters)
  • Reservoir
  • Steering box
  • Steering column
  • Steering idler box


  • Engine Electronic Control Units (ECU)
  • Alternator
  • Alternator regulator
  • Car Battery**
  • Central locking solenoids and actuators
  • Central locking motors
  • Coil and coil packs
  • Electric Mirror Motors
  • Electric window lift motors
  • Front wiper motor
  • Glow plugs
  • Indicator switch
  • Power hood (excluding canvas, panels)
  • Radiator electric fan motor
  • Rear wiper motor
  • Seat matrix (heated or air conditioned)
  • Sensors (excluding Parking Sensors)
  • Starter motor
  • Starter motor solenoid
  • Sun roof motor


  • Air suspension*
  • Anti roll bar
  • Anti roll bar link bushes
  • Anti-roll control bar (ARC)*
  • Ball joints
  • Front coil springs
  • Lower wishbone bushes
  • MacPherson struts
  • Rear coil springs
  • Shock absorbers
  • Suspension arms
  • Swivel joints
  • Upper wishbone bushes

Security & Driving Aids

  • Air-bag motors & sensors
  • Cruise control system
  • Locks and central
  • Locking system (including barrels, motors, solenoids, actuators, mechanisms, units and pumps)
  • Seat belt pretensioners


  • Bearings
  • Bevel gears
  • Casings (if damaged by an internal component)
  • Constant velocity joints (excluding rubber gaiters)
  • Crown wheel
  • Driveshafts
  • Front wheel bearings
  • Halfshafts
  • Hubs
  • Pinion gear
  • Planet gears
  • Planet carriers
  • Propshaft
  • Rear wheel bearings
  • Support bearings
  • Universal joints
  • Wheel alignment

Fuel System

  • Airflow meter
  • Diesel injection pump
  • Idle control valve
  • Injectors*
  • Mechanical fuel pump
  • Primary fuel pump (electric)
  • Secondary fuel pump (electric)

Braking System

  • ABS pump
  • Brake limiter valve
  • Electric handbrake mechanism
  • Seized brake callipers **
  • Servo brake pumps
  • Wheel cylinders

Cooling System

  • Air condition unit
  • Engine cooling radiator (excluding oil cooler and inter-coolers)
  • Heater matrix
  • Thermostat
  • Thermostat housing
  • Viscous fan coupling
  • Water pump


  • Bearings
  • Factory fitted turbo unit (excluding heat shield)
  • Shafts
  • Turbines
  • Wastegate


  • Catalytic Converter*
  • Diesel particulate filter (repair)
  • Exhaust gas recirculation valve (EGR)*

MultiMedia & Dashboard

  • Instrument clusters (repairs only)*
  • Instrument gauges
  • Multimedia System(factory fitted)*

** Up to £100
* Subject to a contribution of 50% of the claim
Any claim for mechanical component failure may need to be supported by a detailed service history. Evidence of gearbox oil changes and timing belt/chain maintenance and replacement may be required.

What We Don't Cover

We would love to be able to cover everything on your vehicle. Unfortunately certain parts, such as servicing items or those exposed to high wear and tear are not covered by Gem warranty.

A note on general wear and tear. Your agreement covers you for the sudden and unforeseen mechanical or electrical failure or breakage of items listed in this brochure, subject to the level of cover shown on your certificate. Parts that are worn due to general wear and tear are not covered by this agreement.

  • Aerials
  • Air-bag material and mechanism
  • All light units, bulbs and bulb holders
  • All service components and items which require periodic replacement
  • All wiring, wiring looms and harnesses
  • Any non-mechanical or non-electrical items
  • Amplifiers and speakers
  • Bodywork, chassis, glass and plastics
  • Bodywork
  • Bolts, fixings, brackets, rods, hoses and pipes
  • Brake linkage, frictional materials, brake pads, drums and discs
  • Burnt valves
  • Car telephone systems
  • Coolant hoses and pipes
  • Damage caused by water ingress
  • Engine and gearbox mountings
  • Exhaust components (except "Cat")
  • Exterior trim/Interior trim
  • External damage of any kind
  • External gearbox linkage
  • Front and rear windscreen heater elements
  • Front and rear wiper linkage
  • Fuel tank/ lines, incorrect fuelling
  • Gaskets, oil seals and oil leaks
  • Keys and remote key fob, alarms, immobilisers
  • Light units or bulbs of any kind
  • Manual handbrake and mechanism (all components)
  • Mirror glass, mirror units if impact has caused damage to the motor unit
  • Oil supply and feed pipes
  • Perished pulley dampers
  • Power - Hood & sunroofs (except motors)
  • Road wheels and tyres
  • Rusted components
  • Seat belt webbing, buckles and fixings
  • Towing equipment

A note on general wear & tear:

Your agreement covers you for the sudden and unforeseen mechanical or electrical failure or breakage of items listed in this brochure, subject to the level of cover shown on your certificate. Parts that are worn out due to general wear and tear are not covered by this agreement.

The following items are subject to a contribution of 50% if the claim:

  • Air suspension
  • Anti-roll control bar (ARC)
  • Clutch
  • Diesel particular filter
  • Dual mass flywheel (manual)
  • Exhaust gas recirculation valve (EGR)
  • Injectors
  • Instrument clusters (repairs only)
  • Multimedia system
  • The following items are capped at a maximum of £100

  • Car battery
  • Software programming (as part of an authorised repair)
  • Seized brake callipers
  • Sundries such as oils, gaskets and filters (as part of an authorised repair)

What to do if your vehicle has a problem

If you should experience any issues, call us immediately. We will guide you through the procedure over the phone, backed up with a step by step guide via email. Failure to follow the claims procedure may result in the claim being rejected.

  1. Step 1 - Call the GEM team on 0800 080 3434. If your car is not driveable and you need rescuing choose option 1 for GEM rescue. If your car is driveable choose option 2 for GEM warranty.
  2. Step 2 - Based on the categories covered in your warranty certificate we will tell you if the problem with your car is likely to be covered or excluded.
  3. Step 3 - If the fault is potentially covered, we will try to find a reputable and suitable repairer local to you. If this isn't possible then we are happy for you to nominate a repairer. We will also send you and your repairer (if an email address is supplied) an email clearly explaining our procedure.
  4. Step 4 - The chosen repairer needs to contact us with a full diagnosis of the fault before we can give any authority. If you have chosen diagnosis and sundries on your certificate we will pay up to one hour of the repair time subject to the agreed maximum labour rate. Your repairer can contact the GEM team on 0800 080 3434 or by email at [email protected]
  5. Step 5 - If we approve the repair we will issue a Repair Authorisation Number and confirmation that we will pay for all parts and labour.
  6. Step 6 - Once a repair authorisation number has been given, it remains valid for a period of 3 months. Upon completion of the authorised work the repairer will invoice us directly and you will be able to take your car, subject to paying for any work that is not covered by this warranty.

Gem Rescue and Services

Things can go wrong with any vehicle. If you find yourself stranded due a to mechanical or electrical breakdown, or even a puncture, we'll get someone out to you as soon as possible. And we have a range of additional services to help you get the very best from your car. Relax, we've got your covered.

If you have comprehensive cover and your vehicle is less than 10 years old, GEM rescue covers you for:

  • Up to 4 call outs during the term of the cover
  • If we cannot fix your car at the roadside we will recover you to a nearby repairer or your home (up to a maximum distance of 30 miles). There will be a small charge if you require to travel further.

Please note:

  • You will be charged for any service not listed as part of GEM rescue cover
  • GEM rescue is limited to one call out per individual problem. You are not covered for multiple call outs to fix the same issue with your vehicle.

For all our services please call 0800 080 3434 or visit www.gemwarranty.co.uk

Important terms and conditions

The Certificate of Cover issued by your GEM warranty dealer states the claim limit, maximum labour rate and any excess payable in the event of a claim. As we're not about hiding nasty surprises in the small print, we'd also like you to be aware of the following key terms and conditions:

  1. 1 - Your agreement covers you for sudden and unforeseen mechanical or electrical failure or breakage of items listed in this brochure, subject to the level of cover shown on your certificate. Parts that are worn out due to general wear and tear are not covered by this agreement.
  2. 2 - This is not a maintenance agreement. Accordingly, we only cover parts that have failed; problems discovered during road testing, health checks, MOT, or servicing are not covered.
  3. 3 - This agreement does not cover known manufacturing defects, faulty workmanship, or faults that may have been present prior to the commencement of your cover. We will not pay more than once to fix an issue.
  4. 4 - We will only authorise the fitting of brand manufacturer parts where we are advised that there are no viable alternatives. If you insist on brand manufacturer parts then you will be responsible for the difference in cost.
  5. 5 - We reserve the right to inspect any claim of vehicle malfunction, and evidence of repair may be requested. Any claim we suspect to be fraudulent will be treated with utmost seriousness. Offenders may be prosecuted under the 2006 Fraud Act.
  6. 6 - You must service your vehicle in accordance with the manufacturer's schedule. Failure to do so will invalidate your warranty.

Our full terms and conditions are available at www.gemwarranty.co.uk

Our commitment to you

The GEM Group is a team of like-minded people with one goal in mind: to bring excellence and innovation to the automotive industry. We are dedicated professionals with extensive experience across a range of disciplines, driven by a desire to bring the very best products to drivers everywhere. With this revolutionary warranty package, we are committed to providing unparalleled service and support. By throwing away the rulebook and starting from scratch, we've created straight forward, jargon free cover offering an unprecedented level of protection. Fresh, honest and pioneering, the result is a product you can believe in. If you have any questions about your warranty you can contact us via the telephone number or email addresses provided. For more information on all our services, including full terms and conditions, please visit our website at www.gemwarranty.co.uk