- Engine. pistons, con rods, crankshaft, bearings, camshafts, valves, oil pump and timing gear — the cylinder head and block where damage results from a covered failure.
- Gearbox and transmission. manual, automatic, DSG and CVT internal components, torque converters, and drivetrain parts such as driveshafts, differentials and transfer boxes.
- Turbocharger. increasingly standard on petrol as well as diesel, though worth confirming explicitly since some cheaper policies exclude it or apply a separate lower limit.
- Cooling and fuel systems. radiators, water pumps, thermostats, cooling fans, fuel pumps, injectors and fuel rails.
- Steering, suspension and braking. steering racks, power steering pumps, suspension components, master cylinders, servos and ABS modules — wear items like pads and discs are excluded.
- Electrical components and air conditioning. alternators, starter motors, sensors, control modules, wiring looms, plus AC compressors and condensers.
- Hybrid and electric drive components. drive motors, inverters, onboard chargers, high-voltage cabling and thermal management on EV and hybrid policies, with the high-voltage battery handled separately.
The single distinction that explains most of what's covered — and most of the disagreements at claim time — is sudden failure versus gradual wear. A water pump that seizes is a failure; brake pads worn down over 30,000 miles have done exactly what brake pads do. ClearPath covers eligible claims up to £3,000 per claim, applies a £100 excess per valid claim, and covers eligible labour up to £100 per hour, with no limit on the number of claims during the policy. On an authorised claim, cover also includes recovery reimbursement up to £60 including VAT and vehicle hire up to £45 per day for up to seven days.
