Evidence requirements
What a buyer has to submit
A buyer does not just submit a complaint. The buyer submits evidence of eligible expenditure, and the strength of that evidence shapes everything that follows.
Receipts
A claim depends on legible and relevant proof
Once a cost is genuinely eligible, the buyer still has to prove the expenditure properly. The arrangement is built around readable receipts, clear apportionment, and route-specific evidence tied to the vehicle.
What a receipt should show
The submission has to be concrete enough for review. Providing these details helps smooth the process.
↓
What a receipt should show
The submission has to be concrete enough for review. Providing these details helps smooth the process.
- A legible copy of each receipt or invoice relied upon.
- The amount being claimed from each receipt, including any apportioned explanation where needed.
- A statement identifying whether the claim is made as a listed component claim, an other component claim, or an NCT failure claim.
- The additional evidence required for that claim route.
What evidence each route needs
The agreement now separates proof requirements by claim type, so the evidence has to match the route chosen.
↓
What evidence each route needs
The agreement now separates proof requirements by claim type, so the evidence has to match the route chosen.
- Listed component claims need either photographs showing the relevant component was repaired or replaced, or a signed and dated mechanic statement confirming the work was carried out on the vehicle.
- Other component claims need that same first layer of proof plus a separate signed and dated mechanic statement saying the issue would likely cause an NCT failure or affect safety, operability, or driveability if left unaddressed.
- NCT failure claims need a copy of the NCT report showing that the vehicle failed.
How apportionment works
Only the eligible part of a mixed bill can be claimed.
↓
How apportionment works
Only the eligible part of a mixed bill can be claimed.
- A repair invoice may contain both eligible and ineligible items.
- The buyer must explain how the eligible portion was calculated.
- The recoverable amount is then reduced again by the selected coverage percentage and the overall cap.
Integrity
Dishonest or exaggerated claims can fail completely
The arrangement expects precise claims. Unsupported inflation, careless exaggeration, or dishonest material can undermine entitlement instead of strengthening it.
Go next
See how the seller can inspect before the internal process moves on.
Move into the formal dispute stages if the seller still contests the claim.
Supporting material
The review process can depend on more than the invoice alone, but the evidence still has to link back to the route chosen.
↓
Supporting material
The review process can depend on more than the invoice alone, but the evidence still has to link back to the route chosen.
- Photographs can help show that the relevant component was actually repaired or replaced on the vehicle.
- Mechanic confirmation can come from a mechanic who did not perform the work, provided the statement is signed and dated.
- For other component claims, the mechanic giving the operability or NCT opinion must be someone other than the buyer.
Strict fraud rules
The arrangement is narrower than a general complaint process and punishes bad faith.
↓
Strict fraud rules
The arrangement is narrower than a general complaint process and punishes bad faith.
- Submission of a fraudulent, exaggerated, or knowingly misapportioned receipt constitutes a material breach.
- Any such submission permanently extinguishes all reimbursement entitlement for that particular receipt.
- The buyer also warrants that listed and other component claims do not relate to faults already known before purchase.