RAC platinum extended warranty - how to claim for mis-selling/ unsuitability?

DullGreyGuy

Nasqueron said:

DullGreyGuy said:

Nasqueron said:

DullGreyGuy said:

Nasqueron said:

DullGreyGuy said:

Nasqueron said:

You would have to submit a complaint to the firm who sold it to you and see what they say. Expect swift rejection with copies of your signed paperwork, then you can decide about going to the ombudsman if it applies (e.g. business is still trading as the same company; was a dealer/regulated sale etc)

Its a warranty not insurance, there is no warranty ombudsman

They sold a warranty policy which is insurance in all but a name and the FOS will take on complaints about extended warranties, heck, they'll do complaints about used car sales as well, indeed according to this warranty company (and the RAC if you look at their site), they do indeed allow you to go to the FOS

some extended warranties are insurance and therefore do fall within the scope of FOS. 

On the RAC website you are failing to notice the word MAY... for their insurance product you can, for their non-insurance products you cannot.

On the used car case the complaint was about the financial services firm that provided the credit for the used car and therefore was jointly liable for it... it wasn't a complaint about the used car garage

Warranty Direct in your final link even point out that you need to ensure it is a regulated product (aka insurance) to be able to get the benefit of the FOS because if its not insurance there is no FOS rights. 

Which brings us round nicely full circle to my original post which clearly states 

then you can decide about going to the ombudsman if it applies (e.g. business is still trading as the same company; was a dealer/regulated sale etc)

Which enables us to square the circle as confirm it does not apply as RAC Platinum Warranty is a warranty not an insurance product and as such is not in the scope of the Financial Ombudsman and there is no "Warranty Ombudsman" as stated in my post:

DullGreyGuy said:

Nasqueron said:

You would have to submit a complaint to the firm who sold it to you and see what they say. Expect swift rejection with copies of your signed paperwork, then you can decide about going to the ombudsman if it applies (e.g. business is still trading as the same company; was a dealer/regulated sale etc)

Its a warranty not insurance, there is no warranty ombudsman

Or maybe it's just completing the circle as the RAC themselves say on the site that some of their products are covered by the FOS; the FOS themselves (per the examples I provided) cover complaints about warranties that are underwritten by an insurer (which the RAC is); alternatively OP could contact the apparently non-existent Motor Ombudsman  (quite how such an organisation could operate, given they simultaneously don't exist but do is beyond my mere human knowledge ) who deal with complaints about car warranty sales.

Perhaps now would be the best point to step back and accept the facts?

I already did, I checked a copy of the product in question... I think you may not have read the FAQ about warranties bought from dealerships etc


Direct purchase, insurer backed as stated in the policy, policy Read and complaints section states you can go to the ombudsman

Indirect purchase, not insurer backed hence no insurer mentioned in the policy, policy https://www.motorservukcars.com/img-src/_themev2-motorserv-ukcars-1938/theme/rac-platinum-cover.pdf  and barely a complaints section exists and what does doesn't mention the Ombudsman

As its a legal requirement for insurance policies to advise about the ombudsman either the RAC indirect purchase isn't an insurance policy (hence no insurer mentioned etc) or RAC are breaking the law. You can google RAC Platinum Warranty, you'll find lots of policy wordings in different formats, none will mention an insurer or the FOS


Know a lot less about the Motor Ombudsman, having not worked with them for decades like I have the FOS, but they state they only cover certain warranty providers as per https://www.themotorombudsman.org/consumers/our-codes-of-practice/vehicle-warranty-products-code ; though we both know you weren't referring to the Motor Ombudsman.

If you look at the list neither RAC nor The Warranty Group are listed as members