Warranty Direct offer of £419 on my Audi TDI '02 worth it?

[amdowney]

So Warranty Direct called following up a quote for a different car and the guy has offered me for £419 a full wear and tear (after 3 months) warranty on my new '02 plate Audi A4 TDI Quattro Sport 130 (I think has been remapped) even though it has 108k miles on the clock!

The quote online has come to £600 so it's quite a discount. I would have to pay half of the parts costs for a claim. I think the Clutch/Flywheel is on it's last legs perhaps as I can feel vibrations coming through the pedal.

For £400 being full wear and tear on a car of this age and spec does this seem like an offer too good to miss? I guess Turbos etc can go too and EGR valves all of which is covered...

Edited by amdowney on Friday 21st October 16:50

[Vixpy1]

Great, until you try and get some money out of them

[5lab]

depends how brave you are. If they're offering this to you for £420, it probably means that on average there are about £350 of repairs they stump up for on a car like yours, and then they have 20% overhead (to run callcenters, adverts, etc). If you think your car is in better than average condition, don't bother. However if you're scared every time you turn the car on that somethings going to go bang, it might give you *some* piece of mind

[vrsmxtb]

They will try and wriggle out of claims - I had a radiator fail and that wasn't covered as they have a "corrosion failure" disclaimer. But a failed intercooler was covered.... go figure. think I'll keep mine for some degree ofpeace of mind as a failed turbo / DMF / injector etc would bankrupt me!

[judas]

Check the wording very carefully. I'm currently two and a half grand out of pocket for repairs that weren't covered by the so-called comprehensive warranty I paid for.

[amdowney]

Hmm, looking at it if I have to replace my clutch and flywheel it'll ocst £800, with the warranty £400 + £250 + £50 Perhaps. Not much of a saving if anything for such a repair. Depends if I definalty need to have this done and if anything else pops up!

[Sir Bagalot]

I'd be very surprised if they covered a clutch.

I looked into buying one and I was told this and that on the phone so I asked for a copy of the policy conditions. Made for interesting reading and also meant I didn't buy the policy.

[RobCrezz]

I would do some googleing on them to see how other people rate first.

[ukwill]

You may as well take that £419 and burn it. It'll be the about the same as giving it to Warranty Direct.

Still, you can find out with your own money if you like!

[ClaphamGT3]

I have only ever had really good experiences with Warranty Direct; I would highly recommend them

[shipley]

Vixpy1 said:

Great, until you try and get some money out of them

That's my experience of them.

OP it might be better just to burn the money.....or put it back in yuor bank and pay for any repairs yourself.

Believe me..you'll be glad you did.

[CoolHands]

so you're going to pay £420 + half of the parts costs which might be, what £500? So £420 + 250 = £670 expenditure by you. And they might not pay out according to other posters. So you may as well spend £500 on parts yourself, save £170 and replace the clutch if & when it goes.

parts numbers:
http://www.vwaudiforum.co.uk/forum/showthread.php?...

[Jw Vw]

I personally wouldn't go anywhere near Warranty Direct. Rip off merchants IMO.

[Brite spark]

Bought a mini a few months back and it came with a warranty from click 4 warranty, transferred from previous owner, they paid out in a claim for a central locking fault. They won't pay for diagnosis but did pay parts and labour to fix.

Caveat, I have no idea what this company has been like with other claims though

[paulsm]

I tried to make a simple claim, they claimed I was deceiving them, trying to claim for something that happened before I took out the policy. I wasn't.

I would never use them again, waste of money, no peace of mind, just worry that they'll decline to pay up.

[Deva Link]

ClaphamGT3 said:

I have only ever had really good experiences with Warranty Direct; I would highly recommend them

We had an extened warranty with WD and the deal was if we didn't claim we could get our money back at the end. They repaid it no problem.

I run a Merc now and a fair number of people on the Merc forums have WD warranties and they're generally pretty positive about them. A part that wears out like a clutch is a can of worms though - bear in mind these are insurance policies and something basically has to break or totally cease to function before they'll accept a claim - "feeling vibrations", no matter how bad, probably isn't going to cut it.

[ArmaghMan]

Vixpy1 said:

Great, until you try and get some money out of them

+1

[amdowney]

Thinking about this I may ring up and cancel as having to pay 50% to parts (car is over 100k) is a bit much. I would have to pay £250-£300 toward a new clutch and flywheel which is on the cards so with the premium probably saves me nothing. I bet if I want to add an uprated clutch at the same time I would have to pay for all of it wouldn't I?

[thinfourth2]

My favourite warranty get out was they would only pay for the part that failed

So your cambelt breaks

No problem they buy a new cambelt

The completely smashed cylinder head is your problem

[Deva Link]

thinfourth2 said:

My favourite warranty get out was they would only pay for the part that failed

So your cambelt breaks

No problem they buy a new cambelt

The completely smashed cylinder head is your problem

Warranty Direct will pay in such circumstances. They'll even pay if the aux belt breaking starts off the whole sequence - they make a feature of this on their website, so it'd be pretty difficult for them to refuse such claims.

Really, though, if you had the cambelt changed by a garage and it breaks within its service life then the garage should repair the car - and the garage should argue it out with the belt manufacturer over who picks up the bill.