Warranty or Insurance

Our Warranty Model: A Ring-Fenced Fund, Not Insurance

TADL Assist does not offer an insurance-backed warranty. Instead, we operate a self-funded, ring-fenced model, ensuring dedicated financial reserves are in place to cover valid claims. This approach is common across the industry. In fact, many extended warranties—whether offered by manufacturers, retailers, or even insurance companies—are not insurance-backed, often due to favourable VAT treatment of service plans compared to Insurance Premium Tax (IPT) obligations. Importantly, the presence of an insurance company does not automatically mean the warranty is insured.

Why Non-Insurance Warranties Exist

There are practical reasons for non-insured warranties: – VAT on service plans is reclaimable, helping manage costs more effectively. – IPT on insured warranties cannot be reclaimed, which may raise costs without additional consumer benefit. The majority of extended warranties in the UK are not insured, including many offered by national retailers and electronics brands.

Our Approach: Responsible, Transparent, Reliable

We understand concerns that have arisen from past poor practices by some providers. TADL Assist is different: – We maintain ring-fenced reserves to protect customers. – We do not rely on last-minute premium payments to insurers. – We are transparent about how our warranties are funded and managed.

Your Legal Rights Remain Protected

Consumers in the UK are protected under the Consumer Rights Act 2015 (formerly the Sale of Goods Act). This provides a statutory right to goods of satisfactory quality and durability, potentially for up to six years. However, claiming under these rights can be complex, time-consuming, and may involve: – Proving a fault existed at the time of purchase – Legal communication or small claims court action – Delays in product use while a claim is resolved Our warranty service offers a faster, more straightforward alternative for eligible faults.

Peace of Mind for Today’s Technology

Modern electronic products are generally reliable—but failures still occur. When they do, repair costs can include: – Labour – Specialist components or modules – Transportation and logistics Without warranty coverage, these can add up quickly—especially with cutting-edge or large-format products.

A Flexible, Customer-Centric Solution

We believe in giving customers choice and time: – Our warranties can be purchased up to six months after product purchase. – There is no pressure at point of sale—we don’t lock you into making a decision immediately. This exceeds the Competition Commission’s recommended minimum of 30 days.

We are proud to partner with leading UK distributors and manufacturers to provide a range of services including next-day hot swap support for audiovisual products.

We are committed to being a long-term, transparent, and credible provider of warranty solutions.

Rob White
Managing Director,

TADL Assist Managed Operations AI Ltd
Last Updated: May 2025