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Car warranties

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kitty
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2006/07/19 11:30:50 (permalink)
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Car warranties

Anyone ever used one from an independant company rather than the manufacturer?

I'm currently looking at warrant direct, here's a summary http://www.wisebuyers.co.uk/motoring/car-warranties/Warranties/12/4/

I've been quoted £230 for 13mths for a MR2 with 41Km @ 6 years old
#1

16 Replies Related Threads

    cliff_vtr
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    RE: Car warranties 2006/07/19 11:35:59 (permalink)
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    well you gotta weigh up the cost of a garage bill against the cost of the policy. Also you need to look at what exactly it covers. Some dont cover things like suspension as you could have gone over a pothole and damaged it.

    I know jap cars can be expensive to service and fix. Though its probably the routine serving like oil, filters, brakes etc that will be the bulk of the cost which of course you'll have to shell out for anyway. At 41K nothing major should be going wrong for a while. Of course that all depends on how well its be looked after previously

    Paul
    #2
    kitty
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    RE: Car warranties 2006/07/19 11:38:28 (permalink)
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    This is what is covered

    Gold Cover
    The items under the following list are covered. Any item not specifically mentioned is not covered.


    ENGINE
    Cylinder head, internal bushings, oil pump, crankshaft and bearings, appet gear, valves & guides (excluding burnt or pitted valves), pistons & rings, cylinder bores/liners, con rods, distributor drive, starter ring gear, flywheel, autodrive plate, camshaft drive belts, camshaft & cam followers, cylinder head gasket, cylinder block, crankshaft pulley, turbo/intercooler units, rear main seal, rocker assembly, push rods, timing gears, timing belts & chains.
    CLUTCH
    The master and slave cylinder, clutch cable and pedal assembly.
    TRANSMISSION (Manual, Automatic and Overdrive)
    Manual Transmission: gears, synchromesh hubs & rings, selectors, shafts, bearings, drive chains plus gearlever and bushes.
    Automatic Transmission: torque converters, brake bands, valve block, governor (manual & electric) oil pump and seals, drive chains, gears, input shaft oil seal, clutches, servos and modulator valve, bearings plus gearlever and bushes.
    Overdrive: Gears, shafts and bearings.
    FRONT WHEEL DRIVE UNIT
    Crown wheel and pinion, differential unit, bushes and bearings, plus external drive shafts, couplings, C.V. joints and rubber boots, hubs, drive flange and universal joints.
    REAR AXLE
    Crown wheel and pinion, differential unit, shafts, bearings, C.V. joints and rubber boots, oil seal and rear hub, & drive flange.
    FOUR WHEEL DRIVE SYSTEM
    Front differential, inter-axle differential and lock, rear differential and lock, bearings and shafts, couplings, C.V. joints and rubber boots, hubs and drive flange.
    PROPSHAFT
    Propshaft, universal joints, centre bearings and oil seals.
    SUSPENSION
    Shock absorbers, upper and lower wishbones, bushes, springs, spheres, displacer units and wheel bearings, self levelling suspension unit, reservoir, pump and regulator valve.
    BRAKING SYSTEM
    Master cylinder; brake servo unit, diesel vacuum pump, callipers, wheel cylinders, pressure regulator, ABS pump and control unit. ABS pressure reducing and proportioning valves, handbrake control cables and linkages, brake pedal assembly, self-adjusting mechanisms, abs sensors.



    COOLING SYSTEM
    Radiator, thermostat, water pump, heater matrix, engine oil cooler, viscous fan, thermostat housing, temperature gauge, electronic control units and control linkages.
    STEERING
    Rack and pinion, steering box, idler box, column shaft, couplings, steering column tilt mechanism, power steering unit including pump, pressure pipes and reservoir.
    FUEL SYSTEM
    Mechanical and electrical fuel pumps, airflow meter, injectors (including injector cooling system), overrun cut-off valve, pressure regulator, sensors, throttle body, fuel gauge and tank sender unit. D.I.S. unit and controls, injection pump, injectors, glow plugs, electromagnetic cut-off.
    ELECTRONIC IGNITION
    Ignition ECU and Ignition Coils where fitted as standard by the manufacturer.
    AIR CONDITIONING
    Air conditioning compressor pump, condenser, electronic control unit, sensors, magnetic clutch and valves, evaporator and reservoir, fan control and sensors.
    ELECTRICS
    Internal failure of the starter motor, alternator, regulator, distributor, windscreen wiper motor and tailgate wiper motor, heating fan motor, cooling fan motor, horn, central locking solenoids and motors, electric window motors and sunroof motors, electric door mirror motors and aerial motors, front and rear windscreen washer motors, headlamp adjuster motors, cruise control unit, relays, rev counter, radiator cooling fan, indicator flasher unit.
    CASINGS


    And this is the mail I got from them

    As requested please find attached the list of all covered items on our Gold policy. This is an equivalent to a manufacturers warranty for a new car. As mentioned it would uniquely include cover, as standard, for wear and tear and consequential damage also. You would be covered 100% for both parts and labour with a claim limit of £5000 and you can claim as many times as you need to. All claims are dealt with in house allowing you to refer back to your original consultant when claiming on the policy. In addition to this it will include over night accommodation, car hire and emergency travel funds also.



    At Warranty Direct we have two labour rates, network and franchised. On out network rate we pay 100% labour at one of our network garages or £40 else where per hour. Alternatively you can pay an additional premium to go on our franchised labour rate, while on this rate we would pay for 100% of all labour costs no matter where you wanted to take your car for repairs, including the main dealership.



    The price online for this cover while on our franchised labour rate is £265. The special offer premium I can offer to you with a full 14 day cooling off period is for £230 with an extra month for free. This can be paid all at once, over 3 interest installments, or monthly with a 10% interest charge, the policy can start at any date you choose in the next two years.

    #3
    cliff_vtr
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    RE: Car warranties 2006/07/19 11:41:30 (permalink)
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    quite an extensive list but it wont cover servicing costs of those parts. For example, cambelt is covered but these get changed every ~60K as part of servicing. However I would assume the insurance will cover the belt if it breaks before it reaches the recommended time for change.

    Paul
    #4
    kitty
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    RE: Car warranties 2006/07/19 11:44:28 (permalink)
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    If a part breaks due to wear and tear then that is covered (according to that website, this is unique to warranty direct). I'm not bothered about paying for things under a service, part of the 'fun' of owning a car. I always have my car serviced every 12 months and only do approx 6K per year.

    The main thing that has been going wrong with mine is an oxygen sensor which puts on the engine management light. I've had three of them replaced, one more to go
    #5
    cliff_vtr
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    RE: Car warranties 2006/07/19 11:51:48 (permalink)
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    but it depends on what they class as wear and tear. I mean you buy the car and the radiator is say the original one. Now there is no requirement in a service to change a radiator. Would they replace a 6yr radiator that has naturally corroded ?.

    You see the difference with a new car is the radiator should last at least 3yrs and so if it so goes then of course its covered.

    So I am a little skeptical about this. I certainly wouldnt cover 6yr old parts on a car of which I have no knowledge about the condition of.

    Paul
    post edited by cliff_vtr - 2006/07/19 11:53:08
    #6
    cliff_vtr
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    RE: Car warranties 2006/07/19 11:54:19 (permalink)
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    the lambda sensor has failed three times, hmmm sounds like there is something else causing it to fail.
    #7
    kitty
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    RE: Car warranties 2006/07/19 11:55:08 (permalink)
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    Well the radiator is listed so it would be covered as you say. After 7yrs/100K you have to pay a small contribution (10%) and this goes up each year
    #8
    cliff_vtr
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    RE: Car warranties 2006/07/19 12:00:22 (permalink)
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    Its just it seems abit too good to be true.

    Its abit like me saying to you, I'll cover everything in your house for £20 a month. Now you may live in a 1bed flat and everything you could come to say 2K or you could live in a 7bed mansion with everything totalling to say 20million.

    Ok thats a little extreme but they are taking a big risk insuring 2nd hand goods.

    I have bought a 2nd hand car from a garage which comes with a warrenty but they would only cover certain things. Also they serviced it first so they could fix anything that needed doing before I had it.

    Paul

    #9
    cliff_vtr
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    RE: Car warranties 2006/07/19 12:02:22 (permalink)
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    A new rad inc fitting would probably set you back 200 - 300quid inc labour depending on the garage. So if you took out the policy and your rad went the month later which is very possible then you'd have made your money back straight away.

    Paul
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    nickpellatt
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    RE: Car warranties 2006/07/19 12:08:49 (permalink)
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    When I worked in the trade the warranties were, mostly, a bit of a rip off......they only ever covered component failure.....this seems different tho....I think the hook for them, is that they mention in the post you have copied about their authorised garages for repair..its possible they use the warranty to get more work in their workshops...

    whcih isnt a catch for you....but justifies a higher level of cover for them...

    Id take the chance Kitty...and go for the policy
    post edited by nickpellatt - 2006/07/19 12:09:03
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    kitty
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    RE: Car warranties 2006/07/19 12:16:21 (permalink)
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    ORIGINAL: cliff_vtr

    the lambda sensor has failed three times, hmmm sounds like there is something else causing it to fail.


    Is that what it's called????

    All I know is it's something near the exhaust and they call them 'sensor 1 bank 1, sensor 1 bank 2, sensor 2 bank 1 and sensor 2 bank 2'......as I said three of these have failed and been replaced under the current used car warranty from Toyota.

    Nick, in my mind it's worth the risk (especially compared to £1500 hubbie has just paid for his), but I just want to be double sure there's no catch.
    #12
    cliff_vtr
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    RE: Car warranties 2006/07/19 12:35:28 (permalink)
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    yeah the lamba sensor sits in the exhaust system and measures the oxygen level. More oxygen means more unburnt fuel and hence more emssions. So the electronics will adjust the amount of fuel going into the engine to keep emissions within their limits.
    #13
    Tony Barnes
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    RE: Car warranties 2006/07/19 13:24:09 (permalink)
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    Hmmm, do they cover cars that are already broken...??

    Does seem a reasonably exhaustive list, may well do it on mine once I get it back on the road considering I've managed to knacker a full rebuilt engine in about a year.
    #14
    kitty
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    RE: Car warranties 2006/07/19 13:50:43 (permalink)
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    Tony, this is their site http://www.warrantydirect.co.uk/?gclid=CJjZ3NDdnYYCFS6oEAodDCmOtw

    As I said depending on the age and mileage of your car the you have to contribute an increasing amount of excess. They only seem to cover cars upto 10yrs old or 100,000miles
    #15
    Tony Barnes
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    RE: Car warranties 2006/07/19 18:51:03 (permalink)
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    Oh, so a 30 year old mini won't get a look in anyway Ageists!!!
    #16
    steel
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    RE: Car warranties 2006/07/19 18:55:27 (permalink)
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    i bought a fiesta about five years ago,and said too the guy in the garage "so what about a warranty then " he shook his head and told me "they are not worth the paper they are written on!!
    #17
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