Warranty Direct - Complete Protection No

Policedogs

I bought a BMW 320i 2007 with full service history from the main dealer and what a lovely car it is. I had it serviced at my local BMW dealership in accordance with the service requirements. I am very happy with the car and bought a "Warranty Direct Car policy" to cover me for the big ticket items in case it needed them at some stage. I figured with a car with regular main dealer servicing should be ok but just in case took out the warranty. On the last service they pointed out a small oil leak which I needed to have investigated by BMW. That happened yesterday and they told me it was a sump gasket and vanos gasket and that the cost would be £1061. No worries I thought as I had taken out additional insurance above the £380 policy to be able to let BMW work on my car. I called Warranty claim department who had me give the BMW dealership a direct number. BMW called Warranty Direct explained the work and I got a call from Warranty Direct saying that I was not covered under their policy. The policy says that oil leaks are not covered unless the engine has to be removed to fix it, as this job takes 7 hours to do. The entire suspension undercarriage has to be removed along with the axles, steering components and some AC pipes, the engine has to be supported during this process. So as you can see a big job. Reading the website blurb for Warranty Direct who are an insurance seller the state on the front page they state "Complete protection" well that statement is misleading, the policy states they do not do oil leaks unless engine out as I said which would avoid small jobs on other cars but this policy is tailored to my car and a £1061 repair is not covered I have wasted my money on a bad policy. As usual read all policy details and the small print and do not assume anything. As for me I am proceeding with a complaint to Warranty Direct which will go nowhere until I take it to the ombudsman which I will do as they are mis selling on their website. I have the time the patience and the experience. If anyone else has had a problem with Warranty Direct I would like to hear from them.

Policedogs

Just got this off their website a true statement for sure.

The real worth of our warranty will only be discovered when you claim and we know that it can often be difficult to decide on the warranty company that deserves your trust. That's why we're delighted to list among our many partners such names as The Telegraph, MSN, The Daily Mail and Mail on Sunday, WhatCar magazine, Auto Trader, Admiral Insurance, Moneysupermarket, Go Compare, This is Money and uSwitch - we believe this speaks for itself!.

Yes Warranty Direct it does speak for itself " IMO" My policy is your profit and you do not intend to spend very much of your profit on genuine claim settlement.

roonaldo

I'm not suprised its not covered, these warranties really only cover mechanical breakdown, not worn parts. You have a gasket or seal that has perrished due to the passing of time. Just the same as it doesnt cover worn brake pads etc. There's another thread where someone is trying to claim on warranty for a ripped seat! and of course "the warranty is rubbish" "mis-sold" were being said.

A warranty doesnt equal free car servicing and repairs for x period of time.

I dont see how the warranty is misleading. More like you haven't understood what you purchased. Read the T&C's booklet.

Joe_Horner

Policedogs wrote: »

[...] As usual read all policy details and the small print and [STRIKE]do not assume anything[/STRIKE]. then put the premium in a bank account towards those "big ticket" repairs rather than buying a "warranty" that's 99.9% certain to be no use if you ever need it

Fixed that for you

colino

Find yourself a good BMW specialist, no one in their right mind takes a shift to fix these two problems. The vanos leak is very common, less so the sump gasket.

force_ten

did your car come with a bmw approved used warranty when you bought it? and if so why didnt you go for the BMW insured warranty at the end of the approved used warranty