Extended Warranties

tartan1314

Hi
I'm trying to figure out if I have any claim on what I believe to be a missold extended warranty. I am not sure if the car dealer or warranty company. There is a problem with my car which the finance company is trying to help me with (inside 6 months for CRA) as it relates to a very well known issue with the engine in this model that I should have been advised of (in both my and my mechanics opinion). I simply wouldn't have bought it.

The warranty which was sold to me by the dealer as "covering everything" does in fact not and they seem to only cover if the damaged timing belt fails completely and destroys the engine... and then they won't cover anywhere near the amount of a new engine. They want it stripped down (a 2 day job) to inspect... at my expense before they'll even consider contributing! I feel that both the warranty and car were missold but don't know if there's any rights I have to pursue. Does anyone else know?

I'm a disabled person so I am now left carless (as it is unsafe to drive) and potentially facing a bill of £3k to get it back on road 

Okell

Do you want to deal with it under the CRA or under the warranty?  They are separate aprroaches.

Under the CRA, as it is less than 6 months since you took delivery, the onus is on the dealer to prove that the "fault" was not "inherent" when you bought the car.  You don't have to prove anything, or pay to prove it.

It might help if you could give deatils of the vehicle: make, model, age, mileage.

Also details of the fault and how you now know it is a "well-known issue with [this] engine"

eskbanker

tartan1314 said:

The warranty which was sold to me by the dealer as "covering everything" does in fact not

In what form was that quote made, i.e. verbally or in writing?  At what stage were you able to see the Ts & Cs of the warranty?

Mark_d

With the warranty there is always a cooling off period.  You would have had time after receiving and reading the policy, to cancel the policy if it was unsuitable.

Whilst there might be a common fault with this model of car, it does not sound like your particular car was affected at the time the car was sold to you.

Has there even been a diagnosed fault on your car?  Without opening up the engine can you be 100% the timing belt is at fault?

Aylesbury_Duck

I'm going to take a guess that this is a Ford wet belt problem?

born_again

Even a manufacture warranty on a new car does not cover everything.

Many extended warranties also require car is serviced in line with manufactures schedule. 

As per previous post it helps to have details of the car.

tartan1314

The car, through the finance company, should fall under the CRA (according to them). Ir is a range rover evoque. The issue is with the Ingenium engine which has a well established issue with the timing belt. The garage who carried out the service were the ones who advised me of the issue and mechanic explained that this is a well known and that some models have a better engine without the faults 

I only got the paperwork for the warranty after sale when I took possession of the car (had a small 'how fantastic we are' booklet before that). It wasnt clear that I had a cooling off period. I'm simply wondering how the sale of extended warranties are overseen/regulated, given cost versus actual value and do dealers get commission to sell these to customers as a protection they are not.

born_again

tartan1314 said:

The car, through the finance company, should fall under the CRA (according to them). Ir is a range rover evoque. The issue is with the Ingenium engine which has a well established issue with the timing belt. The garage who carried out the service were the ones who advised me of the issue and mechanic explained that this is a well known and that some models have a better engine without the faults 

I only got the paperwork for the warranty after sale when I took possession of the car (had a small 'how fantastic we are' booklet before that). It wasnt clear that I had a cooling off period. I'm simply wondering how the sale of extended warranties are overseen/regulated, given cost versus actual value and do dealers get commission to sell these to customers as a protection they are not.

Unless they are insurance backed. There is none.

Which is why many are worthless. 

Who is the warranty with?