After Market Warranty

[jkata]

I've come to the conclusion that these insurance companies are like any other insurance companies, in general they take your money and then will do everything they possibly can to ensure they never have to pay out.
Hence they make a profit.

 

[elty001]

after market warranty

i took one out on the last motor i owned(renault espace)but it only seemed to cover the parts that where the least likley to wear out.also check that it would cover you if damaged when driving on green lanes as most policies dont have a mention of it.

 

[shaggy]

better in the building society then earning a bit of interest at least

 

[jkata]

Could buy several hundred lottery tickets too, I think there is probably more chance of them paying out :roll:

 

[andrewk]

I've had a brief exchange of Emails with Warranty Direct about what is covered and what is not. The bit of most concern to me was whether greenlaning or driving on a "Play day" at a commercial site invalidated the warranty.

My most recent Email was as follows:

"Your reply is a bit "grey" and still leaves room for interpretation. Few people, other than for business, drive for "necessity". If the terms and conditions defined "offroad" as meaning offroad competition, speed trials or whatever then that would be entirely understandable, but it doesn't. It just says "offroad".



Would my vehicle be disqualified if I'd ever taken it to say the Langdale Quest Offroad site (see: http://www.langdalequest.co.uk/langdale.html ) - definitely offroad (i.e. not on public roads) but not competitive either?



Would if be disqualified if I have driven it on a public road that is not tarmacced, such as these for example: http://www.byways.org.uk/00_Byways.htm These are all public roads where it is completely legal to drive a (road legal) motor vehicle? NOTE: I am a member of the Green Lane Association and do drive some like these from time to time.



As an aside, no matter what your reply to this, you may not be the person who exercises the "common sense" (that you referred to earlier) if I were ever to make a claim. Unless I have missed something in the terms and conditions, the term "offroad" is not qualified anywhere and will be subject to the interpretation of an assessor who may have a different view."

and the reply from Warranty Direct is as follows:

"Mr Kay.

I have checked with our head claim engineer, who has said that if the vehicle is used on an Offroad site, such as Langdale, then this would indeed invalidate our warranty.

Unfortunately, if this is instance, we would not be able to warranty the car.

Apologies,

HOWARD PHILLIPS
"

Clarity doesn't seem to be a strong point for Warranty Direct. It still says nothing about greenlaning but it's clear that offroading on private sites is out.

Cheers
Andrew