The Money-Back-Guarantee can be claimed whenever a defect is causing repair costs while the contract is active. Repair costs are expenses due to labour and material needed to repair the defect on the insured vehicle. The following incidents are not considered defects:
- Defects which were known prior to the activation of the contract
- Defects caused by inappropriate operations and lack of care (wrong fuel type, not enough oil, ignoring service windows)
- Defects due to normal operation of the car (breaking gear, tires, chassis and paint)
- Defects included in hull insurance
- Return of vehicle to the dealership