Wear and Tear normally relates to brakes, exhaust, battery, tyres light bulbs etc, things that normally wear over time, The 5 year guarantee will cover you against more serious issues (hopefully none will happen) i.e. damage to engine, gearbox, clutch that has arisen by no fault of your own, for example I have an Audi and the cylinder head cracked (imperfection of metal) and this was replaced under guarantee, in other words and simply put the guarantee covers serious things that may go wrong that should not have done whilst being correctly serviced by you (broadly speaking) this really is a can of worms, ask any person who has tried to get something repaired under guarantee. GOOD LUCK