Aftermarket warranty who to choose?

hora

OK a diesel VW so I imagine at somepoint...

I've looked at the AA but their claim limit is just over £500....and they think the average cost of a turbo is £335... which a dubiously valuation. 

Any recommendations or ones that you've currently had issues with? 

born_again

Best bet look at the cost of a few.
Take the highest amount you would have to pay. Pay that into a savings account. At least if anything goes wrong you have the funds to pay for it. Rather than having wasted the money for them to say. "Ah, that is not covered" and having nothing left to pay for the repairs.

facade

You could just buy the cheapest- they never pay out anyway.

Unless you get a genuine manufacturer's extended warranty, you need to be really really really lucky to have something go wrong that is actually covered. They exclude wear & tear and anything arising from the way it is driven, so there isn't much left.

If a wheel shears off due to metal fatigue, they would deny the claim as it is wear & tear caused by the way the car has been driven.

daveyjp

You have choices.

Buy a three year old VW (or a VW with a Seat or Skoda badge) and extend the warranty with the manufactuer for as long as possible.

Avoid VW (they aren't as reliable as the ad once said) and buy a brand which offers at least  a 5 year warranty.

Once you get beyond 5 years repairs have to be expected so any warranty money should be saved and used for repairs as others have said proving warranty claims gets more difficult as the years advance.

 If you avoid older cars with turbos, superchargers, dual clutch gearboxes etc you are removing expensive items from your future repairs list.

basill

I would avoid Motor easy,  hard sell tactics and terrible online reviews.    Alarm bells started to ring when i said it was too expensive and the price immediately halved.  Unpleasant sales person claimed that some items were covered even though the website specifically excluded them.

I have moved to saving a bit of cash each month for repairs,  if I don`t need it ill be able to buy a nicer car next time :-)

northernstar007

facade said:

You could just buy the cheapest- they never pay out anyway.

Unless you get a genuine manufacturer's extended warranty, you need to be really really really lucky to have something go wrong that is actually covered. They exclude wear & tear and anything arising from the way it is driven, so there isn't much left.

If a wheel shears off due to metal fatigue, they would deny the claim as it is wear & tear caused by the way the car has been driven.

driven all 34 yrs now and yes warrantys are not much good, only once ive smashed the warranty long story short, my current car vauxhall 13plate had it from new and a lifetime/100k warranty on it from vauxhall, just this year light popped up ended up a warning for a crankshaft sprocket and what a job to get to it, it needed a complete new timing belt inc guides, seals etcc and waterpump recommended, all paid by vauxhall asked how much retail aprox 2k, no doubt cost vauxhall a fraction of that

TheProfessional

I took one out with Warranty Direct. The turbo went on my car and when I rang up they said no. Their excuse was something about moving parts aren't covered.

facade

TheProfessional said:

I took one out with Warranty Direct. The turbo went on my car and when I rang up they said no. Their excuse was something about moving parts aren't covered.

Vanes seized? Soot build up caused by driving style- not covered

Bearing failure? Normal wear & tear/accelerated wear due to inadequate lubrication caused by the driving style & poor servicing- not covered.

With some manufacturers a genuine extended warranty, with a full service history, done inside recommended times, by them, and they might cover it.

TheProfessional

facade

Vanes seized? Soot build up caused by driving style- not covered

Bearing failure? Normal wear & tear/accelerated wear due to inadequate lubrication caused by the driving style & poor servicing- not covered.

With some manufacturers a genuine extended warranty, with a full service history, done inside recommended times, by them, and they might cover it.

The car had slight white smoke out the exhaust and BMW said new turbo. Cost me £550 or something in the end. I had hoped that a warranty would cover things like that. No help to me but BMW said it was something that should have been covered really but WD would only accept a report from a turbo specialist rather than BMW

foxy-stoat

born_again said:

Best bet look at the cost of a few.
Take the highest amount you would have to pay. Pay that into a savings account. At least if anything goes wrong you have the funds to pay for it. Rather than having wasted the money for them to say. "Ah, that is not covered" and having nothing left to pay for the repairs.

^^^^^^^^^^^^^^^^^^^^^^ This, ALLLLLLL day long.

facade

TheProfessional said:

facade

Vanes seized? Soot build up caused by driving style- not covered

Bearing failure? Normal wear & tear/accelerated wear due to inadequate lubrication caused by the driving style & poor servicing- not covered.

With some manufacturers a genuine extended warranty, with a full service history, done inside recommended times, by them, and they might cover it.

The car had slight white smoke out the exhaust and BMW said new turbo. Cost me £550 or something in the end. I had hoped that a warranty would cover things like that. No help to me but BMW said it was something that should have been covered really but WD would only accept a report from a turbo specialist rather than BMW

Usually, that is because the bearings are worn out (wear & tear/oil change history) and the seal rings no longer work, but it can be a cracked housing. 

A BMW extended warranty might well have covered it with a FSH, as BMW suggest.