Extended warranty claim and N rated tyres

Extended warranty claim and N rated tyres

Author
Discussion

Beknown

Original Poster:

254 posts

145 months

Sunday 21st May 2017
quotequote all
Porsche won't renew the warranty without N rated tyres fitted, ok fair enough, but has anyone ever had a warranty claim denied for not having N rated tyres?

I know Porsche can be hard face but I can't see them rejecting a claim for say engine or suspension failure just because you don't have an N rated tyre. Surely the ombudsman would side with the customer on this one.

I would like to hear peoples experiences.

Greedydog

888 posts

194 months

Sunday 21st May 2017
quotequote all
As far as I know the extended warranty is an insurance product, not a manufacturer's warranty. As such I believe, and I'm no legal expert, that the T&Cs can be different. In short, what the insurance company says, however ridiculous and restrictive, goes.

Just my opinion but I suspect the response will vary depending on individual circumstances, the willingness of individual OPCs to 'look the other way' for non issue related items etc. In short, if you want to ensure the extended warranty pays out when required you have to appear to play by their rules.

psi310398

9,036 posts

202 months

Sunday 21st May 2017
quotequote all
Greedydog said:
In short, if you want to ensure the extended warranty pays out when required you have to appear to play by their rules.
^ This. It is a new contract and, within reason, they can set whatever terms they wish, or decline to offer it to you at all.

Peter

Baz99

179 posts

114 months

Monday 22nd May 2017
quotequote all
Fitting non standard parts does not invalidate the policy, a claim can only be denied if the non standard part can be directly attributed to the problem. Renewal is different and is basically at the whim of the OPC

BertBert

18,954 posts

210 months

Monday 22nd May 2017
quotequote all
What does the policy wording say?

Beknown

Original Poster:

254 posts

145 months

Monday 22nd May 2017
quotequote all
Baz99 said:
Fitting non standard parts does not invalidate the policy, a claim can only be denied if the non standard part can be directly attributed to the problem. Renewal is different and is basically at the whim of the OPC
Hmm, what you are saying is common sense but I'm not sure that's what the policy wording conveys!

Green1man

549 posts

87 months

Monday 22nd May 2017
quotequote all
Beknown said:
Hmm, what you are saying is common sense but I'm not sure that's what the policy wording conveys!
It is, that's exactly what the policy does say. Of course whether an engine fault could be attributed to a none standard exhaust (for example) could be open to some concern if Porsche say it is!

Cheib

23,112 posts

174 months

Monday 22nd May 2017
quotequote all
There are a few posts on this thread on 911 UK about warranty claims and warranty

http://911uk.com/viewtopic.php?t=120287&highli...

Some seem pretty petty....not sure I'd risk it. It's very much down to each OPC as I understand it.

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
For sure you are leaving yourself open if you modify the exhaust system for engine claims. But the policy clearly states that the part must be responsible for the claim, I have never had my brake pads, tyres or battery inspected with the claims that I have had. The OPC doesn't care they get paid, it's only the very expensive claims that may be queried by the insurers, they would have great difficulty pinning anything on a decent battery or tyres.

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
anonymous said:
[redacted]
This is simply perpetuating myth, perhaps we should have a survey, I will start with two warranty claims where the car had a non Porsche battery and brake pads, no problems. The warranty clearly states that the non standard parts must be responsible, I have never heard of Porsche trying to wriggle out of a claim on the basis of a non associated part, fit modified or non standard parts to the engine or transmission at your peril, including non standard wheels, but generally pads, tyres, batteries and other minor items, no problem.

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
The warranty is a legal contract, Porsche are bound by it's terms and conditions. If a non 'n' rated tyre is fitted, but is of the correct size and specification it will not invalidate the insurance. I look forward to evidence to the contrary.

Twinfan

10,125 posts

103 months

Tuesday 23rd May 2017
quotequote all
In that legal contract in may state that "fitting of non-Porsche approved parts invalidates this warranty", in which case they can legally refuse to replace your broken wiper motor as the insurance is null and void due to the tyres. You're claiming the parts must be responsible but what is the exact wording?

It's all down to the exact wording of the warranty, not what people think is fair and correct. As cmoose says, it's Porsche's game,they define the rules and if you want to play along you have to abide by their criteria. To the letter.

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
From the Policy :

'A claim made under Your Policy for the repair or replacement of a defective system or component shall be invalid to the extent that the defect results from any of the following'.

The following list includes servicing by a non Porsche centre and non genuine parts fitted, what is significant is that the defect must result from the use of non genuine parts or non Porsche service.

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
But Moose what you are claiming is not what the contract say's. Give us some evidence of Porsche not reasonably observing the policy. I for one have experience of claims made with non genuine parts fitted to the car with no problems. If Porsche try to avoid an engine fault on the basis that the car has a non genuine battery or non 'N' tyres fitted then they are in breach of contract and your course of action would be through the courts as with any other organisation, some much bigger than Porsche. To my knowledge they have never acted in such an unreasonable manner. If you think that they will refuse on spurious grounds, expecting the customer to be cowed by their size and wealth, then there is no point in taking out the policy. It is reasonable to expect reasonable treatment and that is what a court would look for.

Edited by Baz99 on Tuesday 23 May 14:29

Twinfan

10,125 posts

103 months

Tuesday 23rd May 2017
quotequote all
OK, so it sounds like you should be alright until your policy lapses based on that wording.

You won't pass a 111-point check with non-N rated tyres and a non-Porsche battery fitted though, so it's a pretty short term approach isn't it?

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
OK whatever, but fitting non 'N' rated tyres does not invalidate your warranty. If your paranoid about Porsche not observing the contract then don't take it out, after all they may refuse to observe any part of it if you had your tyres fitted by a non OPC

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
The policy is not invalidated by using non OPC, only if the defect results from not using an OPC. As for fitting modified parts then that is going to invalidate any part of the car affected by that mod.

Baz99

179 posts

114 months

Tuesday 23rd May 2017
quotequote all
The original point was 'does fitting non 'N' rated tyres invalidate your policy'. They don't. If you have a dispute and if you think that Porsche are acting unreasonably then you go to court. Pretty much what happens in any other walk of life. Would Porsche go to court over refusing, say, an engine problem claiming the car was fitted with the correct spec and size of tyre but not 'N' rated then they would have great difficulty I would suggest in proving that the tyre caused the problem. I'm waiting for you to provide examples. The case of the guy trying to claim on a modified engine does not make the point.

Edited by Baz99 on Tuesday 23 May 16:20

Budweiser

1,069 posts

183 months

Wednesday 24th May 2017
quotequote all
I'm not going to bother with the extended warranty. I will pay for the inspection so any issues will hopefully be sort prior to the 1st MOT.

I'll keep a slush fund and take my chances. Time will tell if I've made the right choice....

BertBert

18,954 posts

210 months

Wednesday 24th May 2017
quotequote all
But they make the decision according to the contract. And if (in your opinion) they don't then you do what you would normally do in a contract dispute. You dispute it.

In terms of managing risk, are there any examples of Porsche not acting in accordance to their contract?
anonymous said:
[redacted]
As an aside it was much easier in the old days when the terms said any mod invalidates the warranty!