Warrenty Direct, is it worth it? Anyone tired?

[laam999]

Ok, I have been having problems with my C2 for a number of years, I have had it looked at by both citroen and indie garages and none seems to know the fix and I have hit the limit of what I can spend without a real fix. (The problems are that the car keeps telling me it's overheating and the standard running temp is lower than it should be and it seems to think I have a child seat and I should turn my air bag off, I have have had the engine temp sensor changed numerous times so I'm pretty sure it's not that but citroen are now saying it could be the ECU which is £800 to replace and I can't afford if it's not sure to fix it.)

Now I have often seen the tv adverts and thought maybe it would be a good idea to let someone else pay for all the attempts untill it works? Si I have just put a quote through and to have a 12 month warrenty that covers what seems like everything is £350, and that says it covers both parts and labour via the franchised dealer.

Has anyone had any experience with Warrenty Direct and know of something I'm overlooking or does it seem to you as good an idea as it does to me?

Anyway, any advice would be nice.

Thanks

Liam

[Stu - B]

[awg454]

Hi You are going to hear good and bad about them,personally I have 2 of my cars covered by them and have had 2 claims on car and 1 on the other, they paid out on all 3 no problem and really no hassle

[balls-out]

I can't believe that they pay for existing faults to be fixed - thats not really how insurance works.

[delmatt]

It is an insurance policy, there are many views of how good or bad Warranty Direct are, however in this instance they are irrelevant, you already have a problem with the car, you cannot insure against a problem you already have! It would be like insuring the car after you had crashed it already. I may have misread your post but it looks to me as if you already have a problem with the C2.

[andy43]

I think that as Citroen and various other garages already know your car is a lemon french, you wouldn't be able to claim on a new policy as prexisting conditions won't be covered. Posting about it on the internet might not help either

[skodamanpat]

I get the impression he may be trying to fiddle warranty direct by not declaring known problems. A bit like breaking down at your hotel on arrival for your stay 500 miles from home joining the AA and ringing in the break down when you need to travel home a week later... saves the petrol too if you have relay

[Ferg]

Stu - B said:

[laam999]

makes sense I can't get covered for an existing fault but I can't find anything about not being able to do this on their website, hence asking if I was missing something, I would inform them of the fault when requesting quotes so if they said I could claim on it then I would but I'd assume they wouldn't let me in which case I wouldn't take it out. I know the garages know about my problems the Citroen garage and I are on a first name basis they have spent so long trying to fix it.

Thanks

Liam

[Fox-]

They will not cover existing faults, why on earth would they?

'Hi my car needs £800 of work'
'No problem, give us £350 and we'll pay for it'.

[LocoBlade]

Check out their policy document PDFs on their website, its stated very clearly that pre-existing faults are not covered, unsuprisingly. Also if you're taking the policy out on a whim rather than "extending" an expiring manufacturer warranty, you can't make a claim for the first 90 days or so IIRC.

Edited by LocoBlade on Monday 3rd January 18:31

[koolchris99]

I have a WD thingy,

Ive claimed twice for things, but in the end fixed them myself with 2nd hand parts as was cheaper than their £50 excess.

But the claims were Oked if i did want to claim.

[Deva Link]

You do have to make a delcaration that the car has no existing faults.

Even if you lied / ignored this then warranties are a nightmare with uncertain faults. The dealer will probably want you to pay up front and then claim back off WD. WD won't pay if the repair didn't cure the fault. They also won't pay for diagnostic work to find the fault.

Warranties are good with specific failures - con rod through engine block, for example.

[anonymous-user]

My recommendation:

take the same amount of money you were going to pay to the warranty company, and put it in an ISA every month. And if nothing goes wrong with your car, pat yourself on the back and take a "free" holiday !!!

[Deva Link]

Max_Torque said:

My recommendation:

take the same amount of money you were going to pay to the warranty company, and put it in an ISA every month. And if nothing goes wrong with your car, pat yourself on the back and take a "free" holiday !!!

You didn't actually read the first post, did you?

[Flintstone]

Ferg said:

Stu - B said:

I need an early night.

[rallycross]

laam999 said:

Ok, I have been having problems with my C2 for a number of years, I have had it looked at by both citroen and indie garages and none seems to know the fix and I have hit the limit of what I can spend without a real fix.
Now I have often seen the tv adverts and thought maybe it would be a good idea to let someone else pay for all the attempts untill it works? Si I have just put a quote through and to have a 12 month warrenty that covers what seems like everything is £350, and that says it covers both parts and labour via the franchised dealer.

Has anyone had any experience with Warrenty Direct and know of something I'm overlooking or does it seem to you as good an idea as it does to me?


Liam

The t&c's are written to protect them from paying out for anything that can be explained away due to wear and tear. Warning lights and intermitant electrics are a grey area you might be lucky but I doubt it.

You'd be better off spending the money on getting the ecu tested (£200+) and repaired if that is possible. Had a similar ecu problem with a fiesta mk6 after spending lots on replacing non faulty parts we got the ecu tested and repaired (the local motor factor sent it way, took 5 days) - £340 total cost.

[STW2010]

You won't be able to claim for 3 months after you take out the policy, as they say that these faults will have existed before you took the policy out.

I had a policy with them, and my understanding was that they wouldn't cover wear and tear items during this period. Some wear and tear items are not covered at all (as you would expect). Anyway, after 2 months of having the policy the in-dash CD changer in my car stopped working, and as I had the additional ICE cover I put in a claim. This was rejected as it was within the 3 month period- after a hell of a lot of complaining they overturned that decision and fixed it.

Moral of the story- take the cover, but wait 3 months before claiming. And DO NOT tell them about the problems you have now.

The fault I had with my car wasn't there when I took out the policy, however if you can wait 3 months and are 100% sure that the repairs will cost more than the cost of warranty then go for it

[Garlick]

Unusually so as it happens.

[Monkeylegend]

Flintstone said:

Ferg said:

Stu - B said:

I need an early night.

I'm off to bed. All this talk about a warranty has made me sleepy.