Warranty Direct - Pointless
Discussion
I have come to the conclusion warranty companies never have any intention of paying out on serious issues
Our Mini Cooper s 2008 suddenly started to stutter quite badly
Minicraft at Haywards Heath quickly diagnosed that cylinders 2 and 3 had little to no fuel due to the valve/heads being carbonised - the engine was close to detonating ~ we saved the engine
BMW are aware of the issue but do not acknowledge the problem
We followed warrant directs request ensuring the garage did not exceed the hourly rate but because their own engineer did not see the head and valves when a part (the pictures taken by the garage were not acceptable) they have declined the claim
My advice to anyone is put a side £40 or £50 per month then if anything does go wrong you do actually have some money rather than wasting the money on worthless warranty company
Our Mini Cooper s 2008 suddenly started to stutter quite badly
Minicraft at Haywards Heath quickly diagnosed that cylinders 2 and 3 had little to no fuel due to the valve/heads being carbonised - the engine was close to detonating ~ we saved the engine
BMW are aware of the issue but do not acknowledge the problem
We followed warrant directs request ensuring the garage did not exceed the hourly rate but because their own engineer did not see the head and valves when a part (the pictures taken by the garage were not acceptable) they have declined the claim
My advice to anyone is put a side £40 or £50 per month then if anything does go wrong you do actually have some money rather than wasting the money on worthless warranty company
Griffalow said:
I have come to the conclusion warranty companies never have any intention of paying out on serious issues
Our Mini Cooper s 2008 suddenly started to stutter quite badly
Minicraft at Haywards Heath quickly diagnosed that cylinders 2 and 3 had little to no fuel due to the valve/heads being carbonised - the engine was close to detonating ~ we saved the engine
BMW are aware of the issue but do not acknowledge the problem
We followed warrant directs request ensuring the garage did not exceed the hourly rate but because their own engineer did not see the head and valves when a part (the pictures taken by the garage were not acceptable) they have declined the claim
My advice to anyone is put a side £40 or £50 per month then if anything does go wrong you do actually have some money rather than wasting the money on worthless warranty company
is there not an ombudsman?Our Mini Cooper s 2008 suddenly started to stutter quite badly
Minicraft at Haywards Heath quickly diagnosed that cylinders 2 and 3 had little to no fuel due to the valve/heads being carbonised - the engine was close to detonating ~ we saved the engine
BMW are aware of the issue but do not acknowledge the problem
We followed warrant directs request ensuring the garage did not exceed the hourly rate but because their own engineer did not see the head and valves when a part (the pictures taken by the garage were not acceptable) they have declined the claim
My advice to anyone is put a side £40 or £50 per month then if anything does go wrong you do actually have some money rather than wasting the money on worthless warranty company
andymc said:
Griffalow said:
I have come to the conclusion warranty companies never have any intention of paying out on serious issues
Our Mini Cooper s 2008 suddenly started to stutter quite badly
Minicraft at Haywards Heath quickly diagnosed that cylinders 2 and 3 had little to no fuel due to the valve/heads being carbonised - the engine was close to detonating ~ we saved the engine
BMW are aware of the issue but do not acknowledge the problem
We followed warrant directs request ensuring the garage did not exceed the hourly rate but because their own engineer did not see the head and valves when a part (the pictures taken by the garage were not acceptable) they have declined the claim
My advice to anyone is put a side £40 or £50 per month then if anything does go wrong you do actually have some money rather than wasting the money on worthless warranty company
is there not an ombudsman?Our Mini Cooper s 2008 suddenly started to stutter quite badly
Minicraft at Haywards Heath quickly diagnosed that cylinders 2 and 3 had little to no fuel due to the valve/heads being carbonised - the engine was close to detonating ~ we saved the engine
BMW are aware of the issue but do not acknowledge the problem
We followed warrant directs request ensuring the garage did not exceed the hourly rate but because their own engineer did not see the head and valves when a part (the pictures taken by the garage were not acceptable) they have declined the claim
My advice to anyone is put a side £40 or £50 per month then if anything does go wrong you do actually have some money rather than wasting the money on worthless warranty company
Having never dealt with a warranty company I read their terms and conditions first and I did not see a clause stating inspection required on faulty parts - I made sure the garage took photos so I could see the damage and its was really really bad - I don't see the difference between a garage and inspector - the head was sent to a specialist in Monks Gate and the valves seated another third party that could vouch the work ned to be carried out.
To me the gentleman calling me from Warranty Direct was well rehursed - my wife is a solicitor I may give her to take up especially as it is her car
I told her to get a Volvo but apparently they are boring - I am on my 5th - says it all
To me the gentleman calling me from Warranty Direct was well rehursed - my wife is a solicitor I may give her to take up especially as it is her car
I told her to get a Volvo but apparently they are boring - I am on my 5th - says it all
Griffalow said:
I have come to the conclusion warranty companies never have any intention of paying out on serious issues
Never been interested in them myself for above reason. I inherited one once when I purchased a car - the original documentation had no cap on the value of each claim, when the paperwork was returned to me they had altered it to £1000 per claim 
absolute 
s the lot of em.TX.
Warranty companies are generally OK as long as you follow their claim procedure to the letter.
My Merc had a gearbox fault shortly after buying it and the AA warranty coughed in full less the excess which I claimed from the garage I bought it from seeing as it did it two days after I bought it. Cost to them £1,400.
They also paid for a new front Airmatic strut in full less the excess to a tune of about £1,200.
The garage met the engineer and showed him the faults (car plugged into Star with the fault codes showing) and both jobs were accepted at my local specialist rather than Halfords who are the preferred garage of the AA.
My Merc had a gearbox fault shortly after buying it and the AA warranty coughed in full less the excess which I claimed from the garage I bought it from seeing as it did it two days after I bought it. Cost to them £1,400.
They also paid for a new front Airmatic strut in full less the excess to a tune of about £1,200.
The garage met the engineer and showed him the faults (car plugged into Star with the fault codes showing) and both jobs were accepted at my local specialist rather than Halfords who are the preferred garage of the AA.
Bear in mind that the warranty companies are there to only serve one person, their shareholders...
In the circumstances you had, you need to follow their terms and conditions to a tee.
When I used to deal with a few different companies, it was a royal pain in the arse, even having to keep cars in the WS, stripped for days, waiting for them to send out an engineer!
Good luck in getting it sorted OP.
In the circumstances you had, you need to follow their terms and conditions to a tee.
When I used to deal with a few different companies, it was a royal pain in the arse, even having to keep cars in the WS, stripped for days, waiting for them to send out an engineer!
Good luck in getting it sorted OP.
Griffalow said:
I rang them first and was told to get the work done and send in the claim and they would evaluate it
Where the issue is they are saying they had no opportunity to inspect
Think I will caulk this up to experience
So, if they had seen it stripped, it would have been covered then???Where the issue is they are saying they had no opportunity to inspect
Think I will caulk this up to experience
Something stinks here OP!
PurpleMoonlight said:
Griffalow said:
I rang them first and was told to get the work done and send in the claim and they would evaluate it
Where the issue is they are saying they had no opportunity to inspect
Think I will caulk this up to experience
Do they record their phone calls?Where the issue is they are saying they had no opportunity to inspect
Think I will caulk this up to experience
Get your wife onto the complaints department, sounds like a ridiculous situation.
This company was complained of quite a bit on the RAC Motoring Forum and the chief executive actually came on there to defend his company. It made little difference, the consensus was, that this is simply a method of dealers trying to get out of their obligations under the Sale of Goods Act 1982.
You buy a car like the Merc owner above and 2 days later the gearbox stops working. You do NOT claim from the warranty company, you claim from the dealer for a fault pre-existing under the Sale of Goods Act. This last for up to the first 6 months of ownership. It is for failures that were very likely to have been present in the car when you bought it so you cannot get a set of new tyres at 5 months 29 days.
The dealer will try and wriggle out of this legal requirement by sending you to Warranty Direct and as you do not know the law you believe him. Whether Warranty Direct do or do not repair the car is immaterial, the legal obligation rests with the dealer to fix your car in a reasonable time or refund your money in full. During the repairs he should provide you with a loan car or you can also claim this from him too.
In cases where the Sale of Goods Act is finished i.e. after 6 months, then you can claim from a warranty company if you wish. You will, however, be more disappointed than satisfied.
Where a dealer (not a private sale) refuses in a situation such as the Merc gearbox (just 2 days) then contact Consumer Direct for your complaint to be forwarded to the Trading Standards office for the area in which the DEALER trades (not your home town if different).
You can find all this at Consumer Direct or Which? and you can download copies of letters you need to send etc.
Hope this helps someone.
You buy a car like the Merc owner above and 2 days later the gearbox stops working. You do NOT claim from the warranty company, you claim from the dealer for a fault pre-existing under the Sale of Goods Act. This last for up to the first 6 months of ownership. It is for failures that were very likely to have been present in the car when you bought it so you cannot get a set of new tyres at 5 months 29 days.
The dealer will try and wriggle out of this legal requirement by sending you to Warranty Direct and as you do not know the law you believe him. Whether Warranty Direct do or do not repair the car is immaterial, the legal obligation rests with the dealer to fix your car in a reasonable time or refund your money in full. During the repairs he should provide you with a loan car or you can also claim this from him too.
In cases where the Sale of Goods Act is finished i.e. after 6 months, then you can claim from a warranty company if you wish. You will, however, be more disappointed than satisfied.
Where a dealer (not a private sale) refuses in a situation such as the Merc gearbox (just 2 days) then contact Consumer Direct for your complaint to be forwarded to the Trading Standards office for the area in which the DEALER trades (not your home town if different).
You can find all this at Consumer Direct or Which? and you can download copies of letters you need to send etc.
Hope this helps someone.
I had a 3rd party warranty with my old omega (cant remember the company ) who paid for a new oil cooler (several hundred ££) but not the original diagnosis. SO it cost me a couple of hours labout but saved me the cost of the part and the rebuild.
On the Jag I have a full Jag warranty and so far they've never questioned anything apart from a piece of trim (I was trying it on I knew it wasnt covered) so far to the tune of around £1500. I now have another £2k ish for them to do, I expect that to be dealt with in the same way.
On the Jag I have a full Jag warranty and so far they've never questioned anything apart from a piece of trim (I was trying it on I knew it wasnt covered) so far to the tune of around £1500. I now have another £2k ish for them to do, I expect that to be dealt with in the same way.
Krikkit said:
I would imagine so - I'd be hugely surprised if someone like that didn't (are they regulated? Even if not they will, but they have to for regulation purposes).
Get your wife onto the complaints department, sounds like a ridiculous situation.
http://www.warrantydirect.co.uk/insured-contracts-vs-non-insured-service-contracts.htmlGet your wife onto the complaints department, sounds like a ridiculous situation.
"We believe these definitions display why motorists need an insured contract when taking out a warranty. To this end every Warranty Direct policy is underwritten by an FSA regulated insurer. All customers can take complaints to the Financial Ombudsman Service and are covered by the Financial Services Compensation Scheme."
This gives you a LOT more protection, and if the OP believes they have been misled or badly treated then follow the complaints procedure. Since they are regulated then they should have either a recording of the call or a summary in the customer's notes file. If not, then they should answer why the customer has an entry for an X minute bill but no records on their file.
At the end of the day if they were informed prior to the repair but made no mention of wanting to inspect it, if the garage is reputable and deemed the work necessary, and the repair is covered then they should pay up.
Edited by Gareth79 on Friday 12th July 18:25
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