Used car warranty options

[Azz1n]

Hi all,

I'm thinking about getting a warranty for my CLK.

I've looked at Warranty Direct who offered me their 'top' policy, with MB dealer labour rates "today only" ( ) for £448.22 (as opposed to £604.80 apparently), with the Emissions and Airbags upgrade (normally £112.49 alledgedly).

I've also spoken to the AA who offered me a year of their Gold policy for £395, but including a year's full breakdown membership.

The AA also offered me their 3* 'Exec' policy for £246 for 1 year, or £419 for 2 years, with an extra £56 per year for full breakdown cover.

Decisions, decisions...

What do people think about these options?

Ta.

 

[roadhog]

If you're not in too much of a rush, sit back and wait a while. WD have a habit of contacting people a couple of weeks after a quote and they usually better their initial offer. Sometimes more than once.
I'd go with WD over the AA eventually but whichever one you chose, be VERY sure you're read ALL the small print and know exactly what is and isn't covered BEFORE you commit. If in doubt, don't assume but ask about specific items.

 

[Miffy]

many seem to recommend just putting that cash aside in a seperate bank account, take the interest and pay for the repairs as quite often the after market warrantee doesnt often in reality pay out for very much

 

[jberks]

I'm with Miffy.
Every warranty I've had, from WD to a super expensive gold one from the dealer all failed to pay out when I needed them. They have very clever people who work out what is likely to go wrong and then word the policy to avoid them.
My latest failure was a power steering coolant pipe (Oh - we don't cover pipes) and a diff seal (wear and tear apparently at 56,000 miles and 4 years so not covered). MB on the other hand paid out for the diff seal with a goodwill contribution as they reckoned it shouldn't have gone - so that wouldn't be wear and tear then...?

 

[bigasotonuk]

Hi,
Have to agree with jberks and Miffy 100% every warranty I have had has never paided out there is always some small print, or disclaimer that they quote, do as Miffy says just save the money that you would spend on the warranty for repairs.

 

[Collos]

WD are masters at not paying out have had three claims refused by them don't cover oilseals don't cover turbo actuators don't cover EGR valves they paid for a gearbox linkage plate but would not pay for the fitting.They are all there not to pay out its the nature of the insurance business,

 

[bigasotonuk]

Hi,
Have to agree with jberks and Miffy 100% every warranty I have had has never paided out there is always some small print, or disclaimer that they quote, do as Miffy says just save the money that you would spend on the warranty for repairs.

 

[roadhog]

I had WD with two of my previous cars and never had a problem with a claim. You need to be sure of what's covered and what isn't before you buy, I can't see how there can be any disappointment after that.
Warranty companies are insurance companies and therefore not in the business of throwing money at their customers but if you have a valid claim there really shouldn't be a problem. Manufacturers warranties should always cover more but then it's their own product they're insuring and this will usually be reflected in the price of the policy. You get what you pay for?

 

[100%Bitch]

I have an RAC warranty and it has paid out both times I needed it. I renewed it and it costs me £200/yr. So far I am £1530 in profit.

 

[antijam]

I had the RAC warranty too. It paid out to replace a gearbox oil seal - not all aftermarket warranties cover oil seals - with no quibbles. Very easy to deal with too, the garage billed them for the work direct, so no bill to pay up front. The job was even covered although the warranty had expired when the work was actually done! (the leak was diagnosed while in warranty)

 

[Azz1n]

I've searched, but can't find any info on the RAC Warranty, does anyone have a link please?

Ta.

 

[100%Bitch]

You can find some information here: -

http://www.roundstonecars.co.uk/RAC-Gold DL.pdf

 

[Azz1n]

You can find some information here: -

http://www.roundstonecars.co.uk/RAC-Gold DL.pdf

Excellent, thanks.

Any info on where to buy/how much etc?

 

[roadhog]

Ring the Customer Service number.

 

[100%Bitch]

Ring the Customer Service number.

And don't agree to their first quote.

 

[muller1]

Car Warranty

I purchased a lifetime warranty with my ML 270 1 year ago.
I think it cost about £640 and I have had two claims so far and tha garage was surprised at the speed and efficiency of the insurer.

The company I got with the car was Mororcare and their web site is
www.motorcarewarranties.com

phone number is 01446-790404

worth a call.

Regards Mike

 

[bryan414]

I'd go with WD over the AA eventually but whichever one you chose, be VERY sure you're read ALL the small print and know exactly what is and isn't covered BEFORE you commit. If in doubt, don't assume but ask about specific items. Many seem to recommend just putting that cash aside in a separate bank account, take the interest and pay for the repairs as quite often the after market warrante doesnt often in reality pay out for very much..

 

[Azz1n]

I'd go with WD over the AA eventually but whichever one you chose, be VERY sure you're read ALL the small print and know exactly what is and isn't covered BEFORE you commit. If in doubt, don't assume but ask about specific items. Many seem to recommend just putting that cash aside in a separate bank account, take the interest and pay for the repairs as quite often the after market warrante doesnt often in reality pay out for very much..

The thing is, the AA warranty is £400 (give or take). Now I'd allowed £100 (give or take) for full breakdown cover, which make the policy £300.

In today's climate, £300 isn't going to make me much interest and given the potential cost of repairs (I would suspect something as straight forward as an electric window motor would be £300), the policy could easily pay for itself.

I appreciate the Ts & Cs are tight and I'd rather go with the AA than WD as I feel there would be more chance to escalate an issue with them than with WD (I know it's not the AA directly as such, but their name is all over it and if there's a claim dispute I'll find the top cheese at the AA and get the situation it under his/her nose!

So for me, £300 for a policy is a good investment and a bit more peace of mind than I have now!