momentum warranties - the wear and tear scam

Notmyrealname

eileandonan21 wrote: »

why does it matter what the age and mileage is?

It does matter if it has a full and proper service history - which it does

Because turbo charger bearings don't last forever no matter how good the service history and depending on the mileage then no matter what your engineers report says, it could be classed as wear and tear especially if it is heading towards 100,000 miles.

yes, but what is your point?
If I said, 5 years and 50k is that OK then

Yes.

If I said, 10 years and 100k is that not?

Correct. If you said 3 years old and 100k it would be fair wear and tear. In short once you get above 70-80k, it is most likely wear and tear.

NeverEnough

eileandonan21 wrote: »

why does it matter what the age and mileage is?
It does matter if it has a full and proper service history - which it does - but Momentum were happy to take money and sell an insurance policy to cover items which do wear out by their very nature. If those items then fail - rather than simply wearing out - then I expect that insurance policy to pay.

Momentum had the choice whether or not to offer a policy for the car, of that age and mileage, and they chose to do so. Effectively it's a bet which they lost.

Except they didn't lose, did they? As they have refused to pay and you will need to try to convince them otherwise. Your experts opinion is just that- an opinion- which their expert can choose to accept or deny. Just because your expert says something is so, does not mean they automatically have to roll over and accept it as being the case.

It is often exceptionally difficult to get these warranty companies to pay anything at all for any component failure. So good luck.

It would have given a broader perspective if you had actually supplied the details requested, as the age of car and mileage does affect the type of warranty generally sold.

colino

The reason that they toss out claims for turbo bearing failure is that if it was a manufacturing defect, it would have smashed itself to bits in no time (they run very hot and fast) and wear is invariably down to poor maintenance. (Extended oil changes, cheap oil and/or filters).

mkirkby

NeverEnough wrote: »

You are very rude and obnoxious, it must be fun for keyboard warriors like you to be able to be rude and sarcastic for no reason other than they can.

Please don't rise to him...he's always like that. Most people just ignore him.

On a well serviced car, a turbo should last the life of the vehicle. Any failure is just that. Not a wear and tear item regardless of how they try to argue otherwise.

Give a local main dealer for you car a ring and pretend to be a new car buyer. Ask then how long a turbo should last. "Life of the vehicle if properly serviced" will be the answer.

forgotmyname

Ignoring the stupid posts and comments above.

Yes it makes a big difference as to what car it is and the mileage.
And also how often its serviced.

People cannot advise properly if they dont know the full facts.

Some cars have inherent faults and common failures. Yours maybe one of those.

And yes a 100k mile Mondeo and a Mercedes will be different. In my experience the Mondeo will be more reliable.

But cars do fail and warranties are generally a waste of money. Im sure some will desagree with that. But they would because they work for one.

Or am i cynical?

JQ.

I agree with the OP, I don't see what relevance the mileage and age have in respect of the warranty.

I would expect an aftermarket warranty on a brand new car to be £a
I would expect an aftermarket warranty on a 5yr old car with 50,000 miles to be £a x3
I would expect an aftermarket warranty on a 10yr old car with 100,000 miles to be £a x6

Presumably the warrranty co new the age of the car and mileage before they offered to insure it. It's up to them to reflect the levels of risk associated with that particular car within their policy and the premium attributed. Otherwise a warranty on an older car is totally pointless.

eileandonan21

some interesting comments there, and some complete nonsense

Any suggestions how long Eddie Stobart would expect a turbo to last? And what they would say if it failed at 70k miles with proper maintenance; fair enough it's worn out, or; that's defective.

their lorry turbos are made by the same manufacturer (Garrett) to the same tolerances and lubricated to the same standards by and large. Same for turbos used on buses.

But I still don't get the argument that some are making that age and mileage are relevant. The premium reflects the risk. If the risk materialises, you can't then say (effectively) well the risk of wear and tear failure was quite high so we'll not cover it after all.

photome

eileandonan21 wrote: »

some interesting comments there, and some complete nonsense

Any suggestions how long Eddie Stobart would expect a turbo to last? And what they would say if it failed at 70k miles with proper maintenance; fair enough it's worn out, or; that's defective.

their lorry turbos are made by the same manufacturer (Garrett) to the same tolerances and lubricated to the same standards by and large. Same for turbos used on buses.

But I still don't get the argument that some are making that age and mileage are relevant. The premium reflects the risk. If the risk materialises, you can't then say (effectively) well the risk of wear and tear failure was quite high so we'll not cover it after all.

That makes perfect sense to me but I am not a dealer or an insurance company who both operate in a different world to the rest of us.

It looks like you should be a able to claim to me but proving it may be difficult

laidbackgjr

eileandonan21 wrote: »

some interesting comments there, and some complete nonsense

Any suggestions how long Eddie Stobart would expect a turbo to last? And what they would say if it failed at 70k miles with proper maintenance; fair enough it's worn out, or; that's defective.

their lorry turbos are made by the same manufacturer (Garrett) to the same tolerances and lubricated to the same standards by and large. Same for turbos used on buses.

Never read so much rubbish in my life, the turbo on a car has a very different design and life to one fitted on an HGV engine.

We are only trying to help, if you give the full facts, we might be in a better position to help inform you that the warranty should pay out or not. By not supplying the full picture, no-one will be able to provide you with the realistic possibility of making the warranty company pay out.

eileandonan21

OK then, since we have HGV turbo experts on the forum, try a light mercedes van working for the Royal Mail or FedEx or somebody like that.

I happen to know that they use the same engine!

Would FedEx be similarly happy?