Extended warranty from non-main dealer is a big con!
Discussion
Please avoid buying an extended warranty from external companies. They wouldn't pay for anything unless it's a "sudden Failure" Below is the story of my wife’s car. This would apply to any make of car. They would use any tactic not to pay.
I bought my car in February 2023 with 47,000 miles, and in March I took out a warranty for the car. Fast forward to June 2023, the car started performing badly, and then the engine warning light came up. I stopped the car and called the AA. On arrival, the AA said the turbo has gone. I called up my local Jaguar dealer and had the car towed to them. Because I had a warranty with (Name Hidden). I opened a case with them. 3 weeks later the claim was rejected. The reason they gave was that the problem was there before I took the warranty out. Even though I didn't get any issues until the car warning light came on.
All used car components will wear and then fail in time. That’s why people take out warranties like this. To deny a claim because you believe the wear started in inception, is just a cop-out. How would anyone know when buying a used car that an insured item is wearing to the point where it might fail? We all know the risk of buying used. Unless you’re going to completely dismantle all the insured components checking for any wear, then you’re at the mercy of these criminals.
Below is a section of the report that clearly stated why it failed. My policy covers me for Wear and Tear for any insured component.
[b]"In our opinion, there is excessive noise present when the vehicle was briefly started, consistent with wear to the turbocharger central bushing. This would not be considered uncommon on this engine type and is well documented across the JLR platform, in which this same engine is utilised. Removal of the turbochargers would now be required to confirm their overall state. In any case, the condition is not the result of a sudden breakage. Taking into consideration the short amount of time and mileage elapsed since inception, we consider the conditions would have been developing at that point. Conclusion We can conclude that the vehicle is displaying common symptoms of wear to a turbo bushing. There was no evidence of any sudden component failure or breakage. The condition would have been developing at inception"[b]
Update: Just got this email from them.
[b]Dear
Your warranty is with (hidden) Plan A, which is our most extensive cover. It covers all mechanical and electrical failures, apart from a very small number of exclusions on this cover, which are clearly highlighted in the plan.
You can review the full terms in your account area or via this link:
We have reviewed your claim but based on your warranty terms, we cannot cover the following failures under your warranty.
Your Turbo problem is not covered under your warranty because the part’s fault does not meet the definition of breakdown in your plan. As per the definitions section of your plan: Breakdown means the sudden and unexpected failure of a component arising from any permanent mechanical, electrical or electronic fault, which causes the component to stop working, and means that it needs repairing or replacing.[b]
I bought my car in February 2023 with 47,000 miles, and in March I took out a warranty for the car. Fast forward to June 2023, the car started performing badly, and then the engine warning light came up. I stopped the car and called the AA. On arrival, the AA said the turbo has gone. I called up my local Jaguar dealer and had the car towed to them. Because I had a warranty with (Name Hidden). I opened a case with them. 3 weeks later the claim was rejected. The reason they gave was that the problem was there before I took the warranty out. Even though I didn't get any issues until the car warning light came on.
All used car components will wear and then fail in time. That’s why people take out warranties like this. To deny a claim because you believe the wear started in inception, is just a cop-out. How would anyone know when buying a used car that an insured item is wearing to the point where it might fail? We all know the risk of buying used. Unless you’re going to completely dismantle all the insured components checking for any wear, then you’re at the mercy of these criminals.
Below is a section of the report that clearly stated why it failed. My policy covers me for Wear and Tear for any insured component.
[b]"In our opinion, there is excessive noise present when the vehicle was briefly started, consistent with wear to the turbocharger central bushing. This would not be considered uncommon on this engine type and is well documented across the JLR platform, in which this same engine is utilised. Removal of the turbochargers would now be required to confirm their overall state. In any case, the condition is not the result of a sudden breakage. Taking into consideration the short amount of time and mileage elapsed since inception, we consider the conditions would have been developing at that point. Conclusion We can conclude that the vehicle is displaying common symptoms of wear to a turbo bushing. There was no evidence of any sudden component failure or breakage. The condition would have been developing at inception"[b]
Update: Just got this email from them.
[b]Dear
Your warranty is with (hidden) Plan A, which is our most extensive cover. It covers all mechanical and electrical failures, apart from a very small number of exclusions on this cover, which are clearly highlighted in the plan.
You can review the full terms in your account area or via this link:
We have reviewed your claim but based on your warranty terms, we cannot cover the following failures under your warranty.
Your Turbo problem is not covered under your warranty because the part’s fault does not meet the definition of breakdown in your plan. As per the definitions section of your plan: Breakdown means the sudden and unexpected failure of a component arising from any permanent mechanical, electrical or electronic fault, which causes the component to stop working, and means that it needs repairing or replacing.[b]
Google Lord Flasheart. BMW M5 engine failure. Can’t say anymore on here or mods will delete and ban me.
The thread on the M5 cutters website along with stories on here and my own personal experience have led me to believe they are a complete waste of time and money. Set aside a rainy day fund. That’s what I did when I purchased my m135i 7 years ago (£100 a month). I now have over £8000 in a savings account just incase.
The thread on the M5 cutters website along with stories on here and my own personal experience have led me to believe they are a complete waste of time and money. Set aside a rainy day fund. That’s what I did when I purchased my m135i 7 years ago (£100 a month). I now have over £8000 in a savings account just incase.
beemarman said:
Please avoid buying an extended warranty from external companies. They wouldn't pay for anything unless it's a "sudden Failure" Below is the story of my wife’s car. This would apply to any make of car. They would use any tactic not to pay.
I bought my car in February 2023 with 47,000 miles, and in March I took out a warranty for the car. Fast forward to June 2023, the car started performing badly, and then the engine warning light came up. I stopped the car and called the AA. On arrival, the AA said the turbo has gone. I called up my local Jaguar dealer and had the car towed to them. Because I had a warranty with (Name Hidden). I opened a case with them. 3 weeks later the claim was rejected. The reason they gave was that the problem was there before I took the warranty out.
I mean to be fair they kind of have a point in that you bought a JLR car...play with fire and you have to take the risk you'll get burnt. I bought my car in February 2023 with 47,000 miles, and in March I took out a warranty for the car. Fast forward to June 2023, the car started performing badly, and then the engine warning light came up. I stopped the car and called the AA. On arrival, the AA said the turbo has gone. I called up my local Jaguar dealer and had the car towed to them. Because I had a warranty with (Name Hidden). I opened a case with them. 3 weeks later the claim was rejected. The reason they gave was that the problem was there before I took the warranty out.
They are still a rip off mind and they get out of claims exactly like this but at the same time the expectation from the "customer" is diametrically different to the service they are providing.
The thing you have to understand with them is that they only cover you for utterly unexpected out of the blue failures where something *breaks*, something wearing out, starting to make noises etc means you are expected to fix it yourself.
This is very different to the manufacturer warranty where if anything goes wrong you can go and get it fixed (with a few exceptions like brakes, clutches etc).
What this really means is they are pretty much pointless as just about everything gives a warning before failing (although our Golf didn't and they did pay out £1000 for that one).
Fastdruid said:
The thing you have to understand with them is that they only cover you for utterly unexpected out of the blue failures where something *breaks*, something wearing out, starting to make noises etc means you are expected to fix it yourself.
This is very different to the manufacturer warranty where if anything goes wrong you can go and get it fixed (with a few exceptions like brakes, clutches etc).
Manufacturer warranties will not cover wear and tear, only failures due to manufacturing defects.This is very different to the manufacturer warranty where if anything goes wrong you can go and get it fixed (with a few exceptions like brakes, clutches etc).
simon_harris said:
if you bought the car in Feb and by march when you bought the warranty the fault was already there then surely the supplying dealer sold you a car with an existing fault and it is their problem to fix?
Surely this ^^^^^We purchased my niece a used Corsa which suffered catastrophic engine failure after 4/5 weeks. After a bit of the usual dealer not playing ball antics the warranty paid out a certain amount and the used dealer paid the difference.
Had a warranty with them for 3 years. Always a struggle to get paid out. After seeing a poster on here suggest it, i posted a 1 star review on Trust Pilot (after following their appeals process and exploring all options.)
Email pinged within 20 minutes asking for contact details
Phone rang within an hour of supplying them
I was now talking to someone who's tasked with the company reputation
Ultimately i ended with half the costs paid. However this was AFTER the repair. You could always refuse to remove it until they approve your claim
Might work. Good luck
Email pinged within 20 minutes asking for contact details
Phone rang within an hour of supplying them
I was now talking to someone who's tasked with the company reputation
Ultimately i ended with half the costs paid. However this was AFTER the repair. You could always refuse to remove it until they approve your claim
Might work. Good luck
Jader1973 said:
Fastdruid said:
The thing you have to understand with them is that they only cover you for utterly unexpected out of the blue failures where something *breaks*, something wearing out, starting to make noises etc means you are expected to fix it yourself.
This is very different to the manufacturer warranty where if anything goes wrong you can go and get it fixed (with a few exceptions like brakes, clutches etc).
Manufacturer warranties will not cover wear and tear, only failures due to manufacturing defects.This is very different to the manufacturer warranty where if anything goes wrong you can go and get it fixed (with a few exceptions like brakes, clutches etc).
Turbos are not a wear and tear item so if they *do* wear out within the manufacturers warranty period they get replaced.
A thread on this "company": https://www.pistonheads.com/gassing/topic.asp?h=0&...
MB140 said:
Google Lord Flasheart. BMW M5 engine failure. Can’t say anymore on here or mods will delete and ban me.
The thread on the M5 cutters website along with stories on here and my own personal experience have led me to believe they are a complete waste of time and money. Set aside a rainy day fund. That’s what I did when I purchased my m135i 7 years ago (£100 a month). I now have over £8000 in a savings account just incase.
I’d agree.The thread on the M5 cutters website along with stories on here and my own personal experience have led me to believe they are a complete waste of time and money. Set aside a rainy day fund. That’s what I did when I purchased my m135i 7 years ago (£100 a month). I now have over £8000 in a savings account just incase.
The manufacturer backed warranties supplied with an approved used car are pretty good in my experience, the insured warranties that you buy (even those from a manufacturer) aren’t great in my experience. The stance seems to be how can they wriggle out if it from day one, especially with bigger claims.
I have posted on this before, but it’s relevant: I worked part time for a local small independent dealer, we sold at the cheaper end because we were linked to a ‘posher’ one for more expensive stuff. If we were forced to take in inferior stuff, we had a banger man elsewhere for those. At one point, we offered bought in warranties but they were seriously hard work because of the small print and buyers used to blame us. So, we stopped doing this and gave a months warranty, no questions asked , and three months on anything a bit dearer. Incidentally, we lost out on one in ten generally, but it was still a good little business.
beemarman said:
Please avoid buying an extended warranty from external companies. They wouldn't pay for anything unless it's a "sudden Failure".
.....
To be honest, it's a bit embarrassing that you're admitting you don't know how warranties work - they never cover wear and tear. They're insurance policies - you're insuring against something suddenly failing. Same as your house insurance - you can't claim becuase the ridge tiles need repointing......
Sheepshanks said:
beemarman said:
Please avoid buying an extended warranty from external companies. They wouldn't pay for anything unless it's a "sudden Failure".
.....
To be honest, it's a bit embarrassing that you're admitting you don't know how warranties work - they never cover wear and tear. They're insurance policies - you're insuring against something suddenly failing. Same as your house insurance - you can't claim becuase the ridge tiles need repointing......
Unfortunately, as the OP has found out, this ‘wear and tear’ clause gives a lot of wiggle room for warranty companies not to pay out.
I got an RAC warranty for on a BMW I got for the wife, first claim was for headlights not levelling (xenon) took it to local garage and they changed a level sensor and some wiring.
Ring warranty said I'd pay for wiring and diagnosis but sensor was there's to cover ..... "Only the headlights are covered, not parts of the headlight.." deffo waster of money
Ring warranty said I'd pay for wiring and diagnosis but sensor was there's to cover ..... "Only the headlights are covered, not parts of the headlight.." deffo waster of money
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