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They don't cover wear and tear, for example a bb rebuild on a carbon frame is £150 if the customer has ridden it with a seized bearing and damaged the frame. Where as CSG has refused snapped frames 5 years old even though it's not cracked in a fatigue spot because it is outside the life time of the product.
Slack
Both are lifetime warranties - Trek just seem to cover wear and tear - even though their policy excludes it - whereas Cannondale do not.