Has anyone ever received a payout by third-party warranty?
Discussion
Hi all,
Just curious. I have just completed my second engine rebuild on a car covered by a third-party warranty, and in both cases the warranty company has refused to pay out.
Both cars had suffered a failure of the oil control ring, in the case of the second car the oil control expander ring had broken. There were two different companies involves with these two engines. The first company refused to pay on the grounds of 'carbon', after I had made sure that there was no carbon to be seen anywhere. The second company refused to pay as they said that there had been no sudden failure. But a broken expander ring is a failure, and a fairly unusual one at that.
I've long considered that these warranties are not worth the paper they're printed on, and of course nothing has dissuaded me of that since. I'm curious to see if I can hear of someone who has received a satisfactory outcome with one of these companies, just purely out of personal interest.
I'm probably going to break some forum rules now, when I say that in the case of the second car, the car had just been bought from Hayes Car Sales of Old Basing and Chris Hayes has paid for the rebuild, which cynical old me thinks is an unusual and very fair action from a member of the motor trade.
I'd be interested to hear of people who have had dealings with these warranty companies when it comes to making a claim.
Thanks guys.
Just curious. I have just completed my second engine rebuild on a car covered by a third-party warranty, and in both cases the warranty company has refused to pay out.
Both cars had suffered a failure of the oil control ring, in the case of the second car the oil control expander ring had broken. There were two different companies involves with these two engines. The first company refused to pay on the grounds of 'carbon', after I had made sure that there was no carbon to be seen anywhere. The second company refused to pay as they said that there had been no sudden failure. But a broken expander ring is a failure, and a fairly unusual one at that.
I've long considered that these warranties are not worth the paper they're printed on, and of course nothing has dissuaded me of that since. I'm curious to see if I can hear of someone who has received a satisfactory outcome with one of these companies, just purely out of personal interest.
I'm probably going to break some forum rules now, when I say that in the case of the second car, the car had just been bought from Hayes Car Sales of Old Basing and Chris Hayes has paid for the rebuild, which cynical old me thinks is an unusual and very fair action from a member of the motor trade.
I'd be interested to hear of people who have had dealings with these warranty companies when it comes to making a claim.
Thanks guys.
I tend to agree, although there was a chap on the (now defunct) parkers forum who was running an X-Type with a Warranty Direct Gold policy and it continually paid out for everything that went wrong. He really got his money's worth from what I could tell.
Quentin Wilson launched the Warrantywise policy which was supposed to tackle the issue of policies not paying out - no idea if they are any good.
One key thing to look for is whether or not consequential damage is covered. if it's not, a failed turbo which leads to a knackered engine will only result in a replacement turbo being covered. The consequential damage to the engine would NOT be covered.
A few years ago I was running a 320d with the dreaded BMW turbo / swirl flap issue and I took out a wwww.click4warranty.co.uk policy to cover the turbo and consequential damage. Never had to claim on it though as I sold the car soon after.
Quentin Wilson launched the Warrantywise policy which was supposed to tackle the issue of policies not paying out - no idea if they are any good.
One key thing to look for is whether or not consequential damage is covered. if it's not, a failed turbo which leads to a knackered engine will only result in a replacement turbo being covered. The consequential damage to the engine would NOT be covered.
A few years ago I was running a 320d with the dreaded BMW turbo / swirl flap issue and I took out a wwww.click4warranty.co.uk policy to cover the turbo and consequential damage. Never had to claim on it though as I sold the car soon after.
I had a new PAS pump from my RAC warranty a few months ago.
An initial claim rejection was because they had the initial mileage down incorrectly so the service interval was too large. I sent a copy of the sales invoice and it went through fine.
My dad's also had a successful claim or two from them.
An initial claim rejection was because they had the initial mileage down incorrectly so the service interval was too large. I sent a copy of the sales invoice and it went through fine.
My dad's also had a successful claim or two from them.
I've had 3 repairs covered by warranty direct. First was a slave cylinder and propshaft support bearings. £752.
Second was for master cylinder and 3rd was propshaft uj joints.
All were covered and genuine landrover parts were used. Freelander td4 slave cylinders are inside the gearbox so it was a front subframe and box apart job.
I believe it depends on the garage and also the condition of the car, my garage was recommended by warranty direct and kept me informed about all the process of the claims.
Second was for master cylinder and 3rd was propshaft uj joints.
All were covered and genuine landrover parts were used. Freelander td4 slave cylinders are inside the gearbox so it was a front subframe and box apart job.
I believe it depends on the garage and also the condition of the car, my garage was recommended by warranty direct and kept me informed about all the process of the claims.
rallycross said:
Smart car engines are rubbish and have a poor design hence 600 cc and 700cc smarts tend to need a rebuild on cyl no 3 once they are getting old (50k to 70k on the ones I've done): no warranty co is going to cover this problem.
We've seen a few that have done over 100k. The best engine I saw was a 98,000 miler 700cc that was in mint condition, but 700s need their timing chains changed at 75,000 miles, and as this hadn't been done this particular engine had suffered a failure for this reason. A shame because the engine interior was spotless, and had no wear whatsoever on the cylinder bores. Disagree about the engine design being rubbish, but they are prone to needing servicing. Most/many Smarts do half the average annual mileage and so owners thing that servicing is not important, but as short journeys are harder on a car than long journeys are, the need for servicing is actually greater.
Unlike many modern engines though, the Smart engine is easily and cheaply rebuild-able.
Just to add: The warranty companies are not informing Smart owners that they are not going to cover their engine when the policy is being sold to them. Quite the opposite in fact.
Smart Alec said:
Just to add: The warranty companies are not informing Smart owners that they are not going to cover their engine when the policy is being sold to them. Quite the opposite in fact.
Its not specific to Smarts, its any engine that when investigaged its got clear its wear and tear, knackered rings, burnt valves, oiling up the plugs etc. It just so happens that old / big mileage smart cars are more than likely burning lots of oil depending on how they are then looked after/driven they are a ticking time bomb.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff