Tin Top Car Warranties

[shrops-paul]

Hi. 

Does anyone have any recommendations for a tin top car warranty please? My manufacturers one is coming to an end and I'm looking to get one to replace it. The AA seems to be in the lead for level of cover vs reasonable price currently.

 

Im sure you have all had bad experiences too. ANy shockers out there?

 

thanks.

 

PC

[Mark (smokey mow)]

In my experience anything other than a manufacturers warranty is a waste of money and you’re better off simply putting the same money aside each year for any unexpected repairs.

 

It’s worth checking in detail what components are covered and whether this just includes failure or also intermittent fault, as many independents don’t cover the latter.

 

I’ve had a few claims denied in the past for leaking oil seals and sensors etc that are out of calibration and misreading but because the component hasn’t physically failed the cost hasn’t been covered.

 

[Captain Colonial]

You would be amazed… well, no you wouldn't - at what isn’t covered and how much gets excluded as consumable, fair wear and tear, etc, under those policies.  Smoki-Wan Cartonly is correct.  Service to requirements, and save money for breakdowns.

[dvd8n]

I've never managed to claim successfully on one of these warranties.  

[marcusb]

Just buy a Toyota they last forever 😆

[shrops-paul]

Or a Toyota engine Lotus Marcus?

 

Interesting. I've had warranties in the past and claimed no problem. I was very grateful when a sunroof motor went with the roof stuck open 😐

 

For the AA one:

 

What is insured?

✓ Almost all of the manufacturer’s original mechanical and electrical components as detailed in the policy document

✓ Diagnostic charges form part of a claim under this policy as agreed with our claims engineers

✓ In-car entertainment / Sat Nav providing the equipment is factory fitted up to a maximum of £500 including VAT

✓ Remote key fobs / key cards covered for electrical failure up to a maximum of £200 inc. VAT

✓ Working materials (oils and other fluids) where an authorised repair requires it

✓ Hybrid and electric vehicles – manufacturer supplied and fitted power generation and transmission components

✓ Parts replaced in pairs i.e. coil springs and shock absorbers

✓ Air-conditioning (factory fitted)

✓ Camshaft timing belt

✓ Casings in the event of a covered item causing damage to it

✓ Turbo/supercharger (factory fitted)

 

What is not insured?

 The vehicle has been altered or modified from the manufacturer's original specification, or has been raced, rallied, used in competition, or for hire or reward, used for courier work or driving tuition or custom built vehicle

 Failure to replace cambelt in accordance with manufacturer’s recommendations

 Faulty workmanship, cracked blocks and cylinder heads, corrosion, carbon build up, or accidental damage to the radiator

 All batteries

 Hybrid and electric vehicles – electrical connectors, wiring, batteries and disposal of chemical waste resulting from a claim

 Wear and tear

 Pre-existing faults that are present before the policy start date

 Water ingress, oil or fluid leaks

 Damage arising from the incorrect use of fuel

 Any parts that have not actually failed and are replaced during routine servicing or maintenance

 Damage caused by negligence that could have been prevented by stopping sooner

 Any failure due to lack of lubrication or other fluids or ignoring any warning signals, gauges or lights

 Losses normally covered under a road risk insurance policy or loss resulting from an accident to the vehicle

 Exhaust emissions or MOT failures

 Breakdown caused by lack of normal and proper use

[Ian Kinder (Bagpuss) - Joint Peak District AO]

It's more the weasel words you need to check on T's and C's. They do there best to put everything down to wear and tear to avoid payout.

 

e.g. Gearbox noises may be excluded as long as it works etc. They will only cover things that have stopped working so if a gearbox shaft snaps it will be covered buy synchro's, teeth grinding, noises etc will all be ducked!

 

 

[7Westfield]

A friend used to own a shop, one of his more memorable cases was a destroyed engine due to cam belt failure.

The belt was covered, but since the idler locked up, AND WAS EXCLUDED, the whole claim was denied

 

A lot of shops hate them, simply for the aggravation of dealing with them 

[Flying Carrot Steve]

2 hours ago, shrops-paul said:

 What is not insured?

 The vehicle has been altered or modified from the manufacturer's original specification, or has been raced, rallied, used in competition, or for hire or reward, used for courier work or driving tuition or custom built vehicle

 Failure to replace cambelt in accordance with manufacturer’s recommendations

 Faulty workmanship, cracked blocks and cylinder heads, corrosion, carbon build up, or accidental damage to the radiator

 All batteries

 Hybrid and electric vehicles – electrical connectors, wiring, batteries and disposal of chemical waste resulting from a claim

 Wear and tear

 Pre-existing faults that are present before the policy start date

 Water ingress, oil or fluid leaks

 Damage arising from the incorrect use of fuel

 Any parts that have not actually failed and are replaced during routine servicing or maintenance

 Damage caused by negligence that could have been prevented by stopping sooner

 Any failure due to lack of lubrication or other fluids or ignoring any warning signals, gauges or lights

 Losses normally covered under a road risk insurance policy or loss resulting from an accident to the vehicle

 Exhaust emissions or MOT failures

 Breakdown caused by lack of normal and proper use

 

 

That sounds suspiciously like a long list of get-out clauses to me

[Mat Jackson 1975]

I’ve never bought a warranty in the past, but bought a second hand evogue 2 years ago, and with it being a Landrovers I got a warranty with assurant (through cazoo at the time)

 

Cost was £20 a month for 4 years, and bit gas it been worth it.  Several claims in (currently having def tank replaced for £1600 - £1300 paid by the warranty)

 

Assurant have always been great to deal with, and never had a quibble (apart from DEF which was understandable).  Even deal direct with the garage, so they just sort it all out for me.

 

would I buy them again - yes if the car needed it.  Would I buy a landrover again - no way…

[Flying Carrot Steve]

5 hours ago, Mat Jackson 1975 said:

Would I buy a landrover again - no way…

 

 

Did it go wrong A LOT? I'm considering buying a full fat Autobiography Rangey in maybe 2 years time but keep hearing bad news stories about Land Rovers in general, but especially the Range Rover 

[Mat Jackson 1975]

20 minutes ago, Flying Carrot Steve said:

 

 

Did it go wrong A LOT? I'm considering buying a full fat Autobiography Rangey in maybe 2 years time but keep hearing bad news stories about Land Rovers in general, but especially the Range Rover 

Lots of little things….

[Captain Colonial]

18 minutes ago, Flying Carrot Steve said:

 

 

Did it go wrong A LOT? I'm considering buying a full fat Autobiography Rangey in maybe 2 years time but keep hearing bad news stories about Land Rovers in general, but especially the Range Rover 

Range Rovers regularly came dead last in the reliability stakes for many years, until Tesla showed up and stole their thorny crown.  My neighbour owns a Range Rover Sport and his repair bills are eye-watering.  The offside headlamp failed due to a wiring loom fault that took three weeks and £1k to sort, and that’s just scratching the surface.

[Kit Car Electronics and Essex AO]

In my experience, most of the warranty and reliability problems these days with ICE cars concern diesel EU6.2 versions - modern petrol reliability is often an order of magnitude better in faults per 1000 cars. Many JLR petrol cars actually have very good reliability - my own petrol F-Pace is at 50,000 miles/ 7 years with absolutely zero faults (touch wood).

[dvd8n]

22 minutes ago, Flying Carrot Steve said:

 

 

Did it go wrong A LOT? I'm considering buying a full fat Autobiography Rangey in maybe 2 years time but keep hearing bad news stories about Land Rovers in general, but especially the Range Rover 

 

Jaguar Landrover have had a catastrophic reputation recently, particularly the land rover side.  Land rovers combined terrible reliability with so much complexity that they gained a relation for being undiagnosable/unrepairable, to such an extent that most of the second hand dealers wouldn't touch them with a barge pole.  In addition to this their security was terrible; they were so easily stealable that for a while they became uninsurable.  I wouldn't touch one unless I had so much money that I could afford to write off the purchase price.