Warranty

afteradvice

Today I ive had a look through my purchase documents for a 18 plate Vauxhall Astra that is still under manufacturers warranty. I bought the car 2018 November and on the documents where I have paid for gap insurance I also noticed I had “warranty 299” added to my fee’s. Should I be paying for warranty if the car has manufacturers warranty?

Grumpy_chap

It really is not worth going back to quibble over £300 on a car price all done and dusted two years ago.  You were happy with the price then, why did it take so long before you read the documents?

afteradvice

It’s nothing to do with the price am just wondering why I’m paying for a warranty when the car should have manufacturers warranty and whether this is normal really. Plus I’ve been refused a hire car while my car is undergoing repairs under this “warranty” and when I asked the dealership what m I even paying for then their reply was “you don’t pay for a warranty” when clearly on my documents I have.

AdrianC

I don't know why you paid for it two years ago. Didn't you look at the paperwork at the time?

Does this aftermarket warranty include the right to a loan car? Manufacturer warranties don't.

Grumpy_chap

How long was the warranty for?
Looking at this another way, you purchased an insurance policy, got to the end of the cover period without claiming and now want the premium back.

ITDonkey

On the 5th of January I bought an 18 plate Volvo V90, 2 days later 2 of the chrome buttons on the key fob fell off.
The dealership did provide 2 keys with the car but said that the key was not covered buy their warranty.
I have tried a main Vovlo service centre and its not covered by the manufacturer warranty and they want to charge me £500 for a replacement. 
Surely the key is part of the sale, I would have thought the dealership from where I purchased the car would have simply replaced it.
I obviously don't want to part with the cash. Has anyone got any advice or experienced a similar issue?

Pete

afteradvice

Grumpy_chap said:

How long was the warranty for?
Looking at this another way, you purchased an insurance policy, got to the end of the cover period without claiming and now want the premium back.

No I’m not at the end of the warranty period, I’m just wondering is it normal
Practice for there to be a charge for “manufacturer warranty” and was after some advice that’s all. 

jimjames

afteradvice said:

Grumpy_chap said:

How long was the warranty for?
Looking at this another way, you purchased an insurance policy, got to the end of the cover period without claiming and now want the premium back.

No I’m not at the end of the warranty period, I’m just wondering is it normal
Practice for there to be a charge for “manufacturer warranty” and was after some advice that’s all. 

It may cover different things? Mileage limits etc? But either way the time to query is before you pay the invoice as it should be listed as a separate line item. Personally I wouldn't have paid it if as you say the manufacturer warranty was still valid.

JJ_Egan

As above two different warranty one may cover more than the other . Need to read the paid for warranty and see what it gives you .

Grumpy_chap

afteradvice said:

Grumpy_chap said:

How long was the warranty for?
Looking at this another way, you purchased an insurance policy, got to the end of the cover period without claiming and now want the premium back.

No I’m not at the end of the warranty period, I’m just wondering is it normal
Practice for there to be a charge for “manufacturer warranty” and was after some advice that’s all. 

I still don't really think it is relevant how the invoice was split, or whether anything would have been material in your decision to buy that car or not. 
Yes, the car had manufacturer's warranty so probably does not need an after-market warranty as well but (as others said) there may be differences in the cover, duration, mileage limits etc.

BUT, think of the process:

• You have decided to buy an Astra and see the type you want, age, mileage, condition is in the range £12k to £15k.
• You pick a specific car at, say, £14k to go and look at.
• The dealer has advertising somewhere that says "all our used cars come with the 'XYZ Super-Duper Warranty'.
• You see the car and like it, so ready to buy.  It was advertised at £14k, so you negotiate down to buy the car at £13,250 and you are happy with that price.
• The paper work then splits out various parts of the price £13,250 into sub-components.  You are not really all that bothered as you agreed the price for the car and it includes a good warranty (manufacturer) at that price.  Plus, it turns out, the after-market warranty.
• For some reason, likely excitement, you never looked at that paperwork and the cost split for two years (by which time it really is too late to go back and challenge).
• Let's assume, you did look at the time and mentioned it and asked for the £300 off the agreed price.  When the Dealer replied that it is their policy that all their used cars come with the 'XYZ Super-Duper Warranty' because it is so good and covers everything and protects their customers so it cannot be removed.  I think, at this time, you would have still purchased the car.

Why would the Dealer have the policy to supply the after-market warranty for all cars?  Well, it is just simpler, and no need to be thinking about whether cars have manufacturer warranty or not, and whether the manufacturer's warranty is still valid (may not be if there was a missed service or something).  The Dealer does not want any come-back, and applying the same warranty across the board is one way to deflect this.  Also, the warranty company likely give the Dealer a competitive rate for the warranty based on all vehicles being sold with warranty - so that those that will never be likely to claim support the 'lemons'.

That leaves one final question.  Why is the warranty set out separately on the paperwork?  If it was not listed, you would never have asked the question.  This is very probably because of tax - the warranty is an insurance product and has to be accounted for IPT (but no VAT).  The car is subject to VAT (probably using the margin scheme).  If there were any new items (e.g. floor mats) provided in the deal, these are subject to regular purchase VAT (20%).

Hope that helps.
I don't think you can claim the money back.  Just be glad the car is a good one and you had the security if you needed it.

born_again

ITDonkey said:

On the 5th of January I bought an 18 plate Volvo V90, 2 days later 2 of the chrome buttons on the key fob fell off.
The dealership did provide 2 keys with the car but said that the key was not covered buy their warranty.
I have tried a main Vovlo service centre and its not covered by the manufacturer warranty and they want to charge me £500 for a replacement. 
Surely the key is part of the sale, I would have thought the dealership from where I purchased the car would have simply replaced it.
I obviously don't want to part with the cash. Has anyone got any advice or experienced a similar issue?

Pete

Swop to using the other key fob.
Guess previous owner only ever used one and it's got a bit battered.
Could try sticking the buttons back on.