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bluebiker900
Guest
Any of you guys ever used after market warranty :?: Thinking of getting a policy from warranty direct. Advice, oppion & experience in dealing with a company of this type would be very much appreciated.
Help Support Nissan 4x4 Owners Club Forum:
it depends who the warrenty is through
a lot are not worth the paper they are written on
firstly how much is it?
and what does it cover or more importantly what DOESN'T it cover?
if its £3/400 then wouldnt it be better throwing the money in the bank just in case?
a lot are not worth the paper they are written on
firstly how much is it?
and what does it cover or more importantly what DOESN'T it cover?
if its £3/400 then wouldnt it be better throwing the money in the bank just in case?
tommo
Well-known member
- Joined
- Mar 26, 2006
- Messages
- 232
Has shaggy has said read the small print. My only experince is bad.
My car went in for repair and was not fixed on the first attempt but the warranty company refused to pay for any more work saying it was up to me to sort it with the garage as thay had payed for the repair.
As we no now days cars can be in and out of garages before thay find the true problem.
My car went in for repair and was not fixed on the first attempt but the warranty company refused to pay for any more work saying it was up to me to sort it with the garage as thay had payed for the repair.
As we no now days cars can be in and out of garages before thay find the true problem.
shaggy said:
I bought an extended new car warranty from Isuzu UK for the Trooper I had before the 'Troll. It was about £1000 for an extra 2 years with unlimited mileage but included everything that the new car warranty included.
I would definitely have been better off just putting the money in the bank.
Cheers
Andrew
I too have had problems with after market warranties.
I sourced one through olympic. Three months into owning the T2 the engine blew itself to bits for no obvious reason. Everything had seemed fine, temp gage worked, oil pump worked, cooling system was A1.
They refused to pay out, leaving me with a £3500 bill
I sourced one through olympic. Three months into owning the T2 the engine blew itself to bits for no obvious reason. Everything had seemed fine, temp gage worked, oil pump worked, cooling system was A1.
They refused to pay out, leaving me with a £3500 bill
Nope, had all the service history and was no requirement for main dealer service.
They insisted there needed to be proof that something had broken in the engine to cause damage.
I and the garage had no way of doing this without paying out a lot more money
They insisted there needed to be proof that something had broken in the engine to cause damage.
I and the garage had no way of doing this without paying out a lot more money
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bluebiker900
Guest
shaggy said:
The company i am thinking of using is Warranty direct. I have been quoted £329 pa. They tell me it will cover all mechanical items,engine, clutch, brakes, gear box, four wheel drive unit & system, rear axle, propshaft, suspension, full braking system, cooling system, steering, fuel system, electronic ignition,
air con, electrics, casing & bodywork. Also cover problems found during mot or service. EXCLUDES were & tear items.
bluebiker900 said:
On the face of it, that sounds good. If there's nothing dodgy in the small print, it's very good.
I've only had an extended new car warranty via the manufacturer/ importer/ franchise dealer before and that is straight forward - just like the new car warranty. How practically does an aftermarket warranty work when it is essentially from an insurance company? What do you have to do when something that you think is covered fails? There wouldn't be anything in the small print that forces you to get three quotes for a repair, would there - so you can't just take it into a franchise dealer and have it fixed?
I only ask because my Patrol runs out of warranty during August this year - so I may well be looking at warranties myself soon.
Cheers
Andrew
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bluebiker900
Guest
I've read small print and there does not seem anything dodgy. Has i understand you can take the vehicle to one of there designated garages 10 in my airier and the garage submit the bill to warranty direct, and warranty direct pay the garage direct not you. You can use a main dealer for repair work if you want, but you will have to pay for the repair work and send the bill to warranty direct, and they will pay you minus £25 excess. The guy i spoke to @ warranty direct told me there is £6500 pounds set a side for each client, so you can make any amount of claims in that year up to £6500. The only drew back i can see that you must have the vehicle serviced @ a vat registered garage @ the correct intervals and provide prove of that.
Couple of things to be aware of-
They have an annual limit, is there a limit per claim as well?
Secondly some of these warranty companies have a limit on the labour rate they will pay. E.g. Nissan may charge £60 per hour for labour, the warranty may only cover £30 per hour so you have to pick up the difference.
They have an annual limit, is there a limit per claim as well?
Secondly some of these warranty companies have a limit on the labour rate they will pay. E.g. Nissan may charge £60 per hour for labour, the warranty may only cover £30 per hour so you have to pick up the difference.
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bluebiker900
Guest
jkata said:
No limit per claim, you £6500 allocated weather used on 1 single claim or multiple of smaller claims. Also guarantee all labour cost whatever the cost.
jkata said:I was the exact opposite, the local nissan garage where a complete bunch of idiots- funny it closed down. I use a really good local firm that are propper mechanics rather than a spotty YTS kid who plugs it into a computer
It's just a matter of staffing, I think. Danny, the workshop manager/foreman in Westway Nissan, Oldham is *very* good. Others may not be .........
Cheers
Andrew
bluebiker900 said:
mmmmmmm
wear and tear
depends how you look at that doesn't it
clutch - wear item
brakes - wear item
gearbox & engine both wear
etc etc etc
its all wear items when you look at it like that.
also i would ask just how they "allocate" £6500 for every car?
if every one pays £325 it takes 20 customers to make £6500 so i dont see how they can have that allocated
up to you at the end of the day
there is also the feeling of safety it gives you, and to be honest only YOU can gauge how much that is worth
good luck whatever you decide
I have a warranty direct policy and am thinking of canceling it
Tried to claim and they wont pay out ( read the small print very carfully)
First one was for rear brake cylinders they say they are covered. On a service they took the rear hubs off and both cylinders were wet with fluid and the garage said they need changing, would be ok for now but must get them chaned asap as they were on there last legs. I contacted warranty direct and they said it was not a valid claim as the leaking cylinders were still on the car and the car was being used and as such was not classed as a breakdown. So I said what has to happen then wait for them to go altogether when Im going down the road and got no brakes. Thats how they work and make money. You have your car serviced, the garage find something wrong, you make a claim but they wont honour it because it hasent broke down ( very crafty I think ) and under the policy you have to have the motor serviced in line with manafactures specs even if you use your local garage.
My second is ongoing
My Aircon condenser is leaking. In the book it clearly states (depending on what extras you pay for) that the whole aircon is covered and it clearly states the condenser. Now a condenser is not a moving part so it cant break, it either leaks or it dont. They said that the condenser would have to be romoved first for inspection to see where and what caused the leak. They will not cover accidential damage ie a stone hitting the core nor will they cover rusting of the system. They will cover the welded seams of the surounding body of the condenser ie if a weld fails. Whats the likleyhood of springing a leak there, nine out of ten its going to be the core. I argued that if a stone hit my window screen and broke it my motor insurance pays for a new one to be fitted. Bet I end up having to pay for this one as well.
It seems to me that they have some kind of get-out clause all the time. Its costing me £27 a month or £324 a year I think it would be better in my bank account
Tried to claim and they wont pay out ( read the small print very carfully)
First one was for rear brake cylinders they say they are covered. On a service they took the rear hubs off and both cylinders were wet with fluid and the garage said they need changing, would be ok for now but must get them chaned asap as they were on there last legs. I contacted warranty direct and they said it was not a valid claim as the leaking cylinders were still on the car and the car was being used and as such was not classed as a breakdown. So I said what has to happen then wait for them to go altogether when Im going down the road and got no brakes. Thats how they work and make money. You have your car serviced, the garage find something wrong, you make a claim but they wont honour it because it hasent broke down ( very crafty I think ) and under the policy you have to have the motor serviced in line with manafactures specs even if you use your local garage.
My second is ongoing
My Aircon condenser is leaking. In the book it clearly states (depending on what extras you pay for) that the whole aircon is covered and it clearly states the condenser. Now a condenser is not a moving part so it cant break, it either leaks or it dont. They said that the condenser would have to be romoved first for inspection to see where and what caused the leak. They will not cover accidential damage ie a stone hitting the core nor will they cover rusting of the system. They will cover the welded seams of the surounding body of the condenser ie if a weld fails. Whats the likleyhood of springing a leak there, nine out of ten its going to be the core. I argued that if a stone hit my window screen and broke it my motor insurance pays for a new one to be fitted. Bet I end up having to pay for this one as well.
It seems to me that they have some kind of get-out clause all the time. Its costing me £27 a month or £324 a year I think it would be better in my bank account
No because at the service the mechanic has to talk to them and if it is a valid claim they will give the go ahead. Like my condenser its got to be removed first to establish the cause of the leak. The way I see the way it works is that it has to breakdown. Say your going along and your Turbo blew up thats covered and classed as a breakdown, but if the damage was caused by a non insured part its not covered. The garage has to be carfull what they tell them as well as they may send an engineer to inspect the failed part. I think most of the after Warranty companies out there will have get out clauses in them
I asked WarrantyDirect for a copy of their "Extra Care Policy" conditions. In it, there is a section ""What is not insured". This includes the following paragraph .............
4 Vehicles that are or have been used for:
• competitive purposes (except treasure hunts)
including rallying, racing, time trial and
pacemaking; or
• vehicles that have been used for hire or reward,
as a taxi, by a driving school or for commercial
delivery purposes such as despatch or delivery
courier; or
• vehicles that are used off-road.
Vehicles that are used off-road? No doubt they'll regard any vehicle that's ever been on a green lane (such as my 'Troll) as having been used off-road. Read the small print!!!!
Ho hum ......... I think maybe I'll keep the money in the bank
Cheers
Andrew
4 Vehicles that are or have been used for:
• competitive purposes (except treasure hunts)
including rallying, racing, time trial and
pacemaking; or
• vehicles that have been used for hire or reward,
as a taxi, by a driving school or for commercial
delivery purposes such as despatch or delivery
courier; or
• vehicles that are used off-road.
Vehicles that are used off-road? No doubt they'll regard any vehicle that's ever been on a green lane (such as my 'Troll) as having been used off-road. Read the small print!!!!
Ho hum ......... I think maybe I'll keep the money in the bank
Cheers
Andrew
