Warranty Direct
- Thread starter Damian
- Start date
We have it on our 04. seat alhambra, because of its high mileage over 100k we have to pay 50% towards parts, but everything is covered.
What i suggest is you go to there online site, and get a quote sent out to you. if you still have time leave it at that, and wait for their phone call 7 to 10 days later and disguss what you what and need.Well worth it....
What i suggest is you go to there online site, and get a quote sent out to you. if you still have time leave it at that, and wait for their phone call 7 to 10 days later and disguss what you what and need.Well worth it....
- Mar 14, 2005
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I do wish these companies would be more open about what they are selling - its an insurance policy , not a warranty.
These schemes can make sense for some people, but you do need to check the small print for exclusions and the requirements for servicing.
These schemes can make sense for some people, but you do need to check the small print for exclusions and the requirements for servicing.
I did get a phone call from Warrenty Direct, and they were cheaper on the phone and waved the 90 day exclusion. Their most expensive policy came out to be £282 for the year (as opposed to my quote form Nissan of £850 odd) and seems to cover most things except the normal wear & tare item - clutch, battery etc and oddly the sunroof and sat nav. All esle seems to be covered. Their cheaper options say what they will cover, and anything not mentioned is not covered. I think you would need to be a mechanical and electrical expert to go for this, then you would not need it anyway!
I went for the £282 option, I will report back if I have to use it, good or bad.
Even manufacturers warrentys are only insurance schemes, its just that the premium is hidden usually in the list price, I noted one make last year offering extended warrenty, or, free servicing, so it is just a cost / premium thing.
I went for the £282 option, I will report back if I have to use it, good or bad.
Even manufacturers warrentys are only insurance schemes, its just that the premium is hidden usually in the list price, I noted one make last year offering extended warrenty, or, free servicing, so it is just a cost / premium thing.
Warrenty direct along with the others not cover KNOWN COMMON faults of any particular veichle, thats Known common faults NOT recalls. ie head gaskets on any k series engine, abs sensors on xk jaguars. I stress again these are NOT recall faults but COMMON faults known about to the car industry.
As your car is prone to turbo problems I would ask again if the turbo is covered and ask for that in writting. If you do buy then make sure you get the servicing done bang on time, as the prof says these are "insurance companys." They are very good at excuses for to not paying out.
As your car is prone to turbo problems I would ask again if the turbo is covered and ask for that in writting. If you do buy then make sure you get the servicing done bang on time, as the prof says these are "insurance companys." They are very good at excuses for to not paying out.
its a known fault [common] that the alternator pulley wheel flies off Seat alhambra's, VW sharan ect ect, and no doubt many other VW vehicles. Clearly Warranty direct don't know this, cuzz they paid for me, sorry my local garage for an replacement alternator back in October! and its rubbish to suggest they don't cover for known faults!If you read there policy properly, it makes clear what is and what is not covered!ABS sensors for instance are not a"known fault! They are an electrical device that over time breaks down! or gets damaged because of it positioning and this can happen to any car, not just an XK! But more importantly they Warranty companies[ don't get fooled either, by people buying their warranty and then trying to claim the following week! for a serious problem that amazingly turned up straight after the punter bought the policy!Indeed this seems to be where most punters who are refused payouts, actually come from, those that dont clearly read the policy properly! and indeed it is imperative you keep servicing up to date, just like you should anyway and especially with a car under a manufacturers warranty....or a after market one.drsorento said:
jonnyG all I can say is bully for you, you got a payout !! Take it from me I have been around this sort of thing a long long time and seen the good the bad and the ugly of it all.
I can tell you with no doubt that is not just the ones that try and pull a fast one no these insurance / warrenty companies that get a payout denied or indeed those who have not bothered to read the terms and conditions of the policy.
You may want to re-read your own signature.
I can tell you with no doubt that is not just the ones that try and pull a fast one no these insurance / warrenty companies that get a payout denied or indeed those who have not bothered to read the terms and conditions of the policy.
You may want to re-read your own signature.
As always, buyer beware and read the small print. It is probable that the Nissan insurance is marginally better, but was £500 dearer. So I will be keeping my fingers crossed and keep the paperwork straight.
Bully for me! actually its a simple case of bully for you, you see and to quote you "warranty direct and others do not cover know faults" and then you go on to mention ABS sensors! or rather Jaguar xk ABS sensors! like its a "known fault" for jaguars!drsorento said:
If you actually read warranty directs policy,and no doubt other insurance type covers in this market you would know that they do not cover ABS sensors full stop.
clearly if you did read the policies you would already know this, and know it wasnt specific to cars with "known faults" as you call it. just as they dont cover clutch plates brake pads brake discs ect ect.Are you getting the picture?
If you get a good policy like the ones that warranty direct offer, and lets be clear here, as you mentioned them specifically,by name you can have turbo cover, regardless of any supposedly "known faults" and you can have extra cover for specifics that are not normally covered by a standard policy too.
Lets take the AA policy that they offer you if you are an AA member, it covers you to £500, or at least it did when we were members,it was cheap, but then the cover was not as extensive for instance to use it you actually needed to breakdown, and call them out and only then if the parts are covered,will they OK a fix.
Then there's the second-hand back street trader policy that are on offer to punters, these are again very basic, and you will find no sensors are covered ie lamba sensors crank sensors crankshaft sensors MAFs abs, ect ect on cheaper options,again nothing to do with"known faults" as they classify them as ware items, that should be replaced at 60 or 80 or 100k!
So as you mentioned my signature, it is indeed you who should take note. This thread was about warranty direct, and not cheap after market crap, and in the case of warranty direct nothing you have said is applicable to them, unless that is one tries to pull a fast one as I remarked on in my previous post.
Although if anyone does take out a warranty direct policy, and is unfortunate to have clutch/DMF problems remembering that NOBODY covers clutches, feel free to post here,there is a good possibility of a way around this.........by simply applying their own rules to shoot them in the foot.
- Mar 14, 2005
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I seriously doubt that anyone on this forum has a universal detailed knowledge of what each and every after market breakdown policy offers. It is also dangerouse to assume that if one policy covers a particular part or set of circumstances, that another will also do so - even from the same company but perhaps purchased a year before.
Before agreeing to any of the policies it is essential that you read the small print to ensure the policy meets or exceeds your needs.
Before agreeing to any of the policies it is essential that you read the small print to ensure the policy meets or exceeds your needs.
I seriously doubt that "universally" you can actually read the "small print" before taking out such policies,as they don't "universally" give you the complete documentation until you have signed upProf John L said:
You may get an over view over the phone or indeed through the post, but the actual booklets with the terms and conditions usually follows after agreeing the policy.
So what you can do is check it meets your needs and then apply their cancellation terms or changes to the policy which normally gives you anything from as short as 7 days upto 30 days to do so after taking up the policy.
specifically where Warranty direct is concerned you will find it extremely difficult to "read the small print" as there isnt any "small print" that is. Although i strongly susspect you mean their "terms and conditions" as small print isnt really a legal term!
What a load of old tosh !! if I am buying somthing I want to know what the hell I am buying, so why shouldnt I know whats contained in the small print ? this appiles to any insurance policy. If your so stupid as not to then when it goes belly up then you have only youself to blame
Once again I think the Prof has got it right.
As for the jaguar thing that seems to have hit a nerve, it was ment as an example as they are prone to something as simple as heavey rain to throw a fault.
Once again I think the Prof has got it right.
As for the jaguar thing that seems to have hit a nerve, it was ment as an example as they are prone to something as simple as heavey rain to throw a fault.
And therefore you will kindly give examples of these types of warranty policies where YOU have been able to read "the full terms and conditions" prior to taking them up can you?drsorento said:
"jaguar hit a nerve"? It does seem to have done so with you!I am so sorry I had no intentions of offending anybody, but clearly car mechanicals and car warranty policies are not you forte, although i am by no means an "expert" but i do try not to post misleading and uninformed responses. So at this point, could you please give links to warranties available for cars that specifically single out certain makes of cars from having the same "universal" cover that is offered to all makes?
With reference to Nissan turbo's i believe that was one. k series engined head caskets and indeed the lowly ABS sensor that belongs solely to the Jaguar! You did say that right?
- Mar 14, 2005
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JonnyG,
Calm down,
I simply and accurately described the care that a purchaser should take. If you wish to waive your rights in that respect that is up to you.
However most insurance companies do recognize that in many cases buyers do not always follow the safe advice and are obliged to offer a cooling off period
Any company or person selling an insurance policy or acting as an agent is legally obliged to allow the potential purchaser the opportunity to read the entire set of details if they wish to do so.
If a seller or agent refuses when asked to supply all the details of the policy, they are in breach if the insurance industries code of practice, and technically can be charged with mis-selling.
Calm down,
I simply and accurately described the care that a purchaser should take. If you wish to waive your rights in that respect that is up to you.
However most insurance companies do recognize that in many cases buyers do not always follow the safe advice and are obliged to offer a cooling off period
Any company or person selling an insurance policy or acting as an agent is legally obliged to allow the potential purchaser the opportunity to read the entire set of details if they wish to do so.
If a seller or agent refuses when asked to supply all the details of the policy, they are in breach if the insurance industries code of practice, and technically can be charged with mis-selling.
Prof always nice to hear from you, but do I really need to calm down? I am stating what is known and easily checkable.Prof John L said:
For instance my "terms and condition" was tongue in check to your "small print" wording, because you are nearly always on the ball where definitions are concerned.
but regardless of whether they should or do read to you their "terms and condition"[small print] until you can sit down with something that you can actually read, check,and double check, then and Only then could you decide, and as i have previously stated this comes after you have agreed,and not before in most cases.As they don't call round to you and normally don't have offices for you to pop round to either! so how on earth can you check you terms and conditions?
And let me again clear up "terms and conditions" or small print where Warranty direct are concerned.
To quote.
"policy summary"
"This policy summary[3 pages] does not contain the full terms and conditions of the contract.Full terms and conditions can be found in the policy document on pages 4 to 16."
I have the booklet in my hand, now even if you could get them to read you the "full terms and conditions"ALL 13 pages over the phone, what good would that be, unless you have a fantastic memory?
Now again to quote you
"I simply and accurately described the care that a purchaser should take. If you wish to waive your rights in that respect that is up to you"
Sorry prof but really you aint reading my posts are you?
firstly nobodies waiving their rights and secondly the care you mention where terms and conditions are concerned cannot actually be checked PROPERLY until you have the booklet in your hands.
What you are stating is the "theory"of how it should be, legally means squat* alas the telephone and computer age mean so much is now done without proper contact, so it simply doesn't work that way.
*legally means squat, we have both read and you have posted concerning the problems a caravanner is having with a newish van and webbing?cracking. we know or think we now what should happen,and the legality of it,yet the poor chaps being given the run around.
Thats life legal or not.......
Oh how excitable some are, frankly I have niether the time nor inclination to try and explain myself to those who clearly thinks they knows best, as there are non so deaf as those who dont want to hear. It is quite clear that you are not an expert form all that you have posted.
As for all I have already posted, well I still stand by it all.
As for all I have already posted, well I still stand by it all.
- Mar 14, 2005
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OK<<<<<Enough is enough.
The topic is as per usual heading into personal insults and stupidity. all over some folk wanting to give long in depth answers to the simplest of questions.
I have never come across so many people intent on making mountains out of molehills, or picking on insignificant bits of posts and then expanding ad nauseum to try and impress with what little they actually do know, not what they Google.
The OP simply asked if anyone had any information about Warranty Direct, good or bad, not an in depth disection of all othe rterms and conditions.
If you do not know first hand what Warranty Direct is like to deal with,,dont post,,,,simple as that.
There are more Red Herrings in this topic than the whole of the North Sea.
Any more stupidly personal postings and the whole topic will go, I just cannot be bothered to edit all the rubbish out any more.
Be Warned.
The topic is as per usual heading into personal insults and stupidity. all over some folk wanting to give long in depth answers to the simplest of questions.
I have never come across so many people intent on making mountains out of molehills, or picking on insignificant bits of posts and then expanding ad nauseum to try and impress with what little they actually do know, not what they Google.
The OP simply asked if anyone had any information about Warranty Direct, good or bad, not an in depth disection of all othe rterms and conditions.
If you do not know first hand what Warranty Direct is like to deal with,,dont post,,,,simple as that.
There are more Red Herrings in this topic than the whole of the North Sea.
Any more stupidly personal postings and the whole topic will go, I just cannot be bothered to edit all the rubbish out any more.
Be Warned.
I am reading the Luxury Care policy right now. I do know that they do cheaper policies that only cover what they state, and these may not cover everything. However the Luxury Care policy covers everything except certain excluded items. These items are as I would expect, tyres - clutch - brake pads etc etc. ABS is not excluded.
Anyone can download the .pdf of their different policies and read them or, for example do a word search for ABS, Dual mass flywheel etc.
Like all insurance polices I realise that I will have to stick carefully to their requirements and documentation in the same way that every time I leave my caravan I have to remember to turn on the alarm as specified by the Caravan club insurers. I am aware that all insurance companies are "wrigglers out of", a friend had a headlight leveler fail during his Mazda extended warrenty and they claimed that this was not covered.
If I get a problem with the car, and I don't expect to, I will share my experiences with WD, good or bad
p.s. Damian, we crossed in the post
Anyone can download the .pdf of their different policies and read them or, for example do a word search for ABS, Dual mass flywheel etc.
Like all insurance polices I realise that I will have to stick carefully to their requirements and documentation in the same way that every time I leave my caravan I have to remember to turn on the alarm as specified by the Caravan club insurers. I am aware that all insurance companies are "wrigglers out of", a friend had a headlight leveler fail during his Mazda extended warrenty and they claimed that this was not covered.
If I get a problem with the car, and I don't expect to, I will share my experiences with WD, good or bad
p.s. Damian, we crossed in the post
Ford mondeo 2.0 ghia 97. thrust bearing went, thrust bearing and clutch replaced, by warranty direct. bearing damaged the clutch tongues.
Alfa 156 2.4 jtd. water radiator replaced "know problem" air con radiator sits in front of the water radiator, and the water radiators Finns disintegrate. replaced by warranty direct.although at the time not a " know fault" unlike the problem underneath, but became so as the radiators barely last 4 years.
A few weeks later water pump replaced, plastic wheel impellers crack also replaced "known problem"on many cars. replaced by a metal type impeller version. Warranty direct replaced it, i paid for the new cam belt which also drives the water pump.and also paid the garage to replace all the camshaft pulleys too.
Vauxhall vectra 2.0tdi est. sensor replaced by warranty direct, but it wasn't the fault! turned out to be another sensor "crankshaft sensor"
Some would say "another known fault"! I had to pay 30 odd quid toward the replaced wrong sensor which cost 80 odd quid.
Ford galaxy 115. air con issues another "know fault" luckily it was just the compressor as these known faults can end up having everything replaced. Warranty direct paid for that too.
Fiat punto sporting [wife's car]supposedly sticking front callipers"know fault" but ended up being the servo rod ! All parts replaced by warranty direct.
Seat Alhambra, [wifes car] as already mentioned alternator replaced because the pulley wheel flew off "known fault" and paid for by warranty direct. drivers Electric front window packed in, "known fault" wiring breaks where the wiring enters the car from the door wiring not covered by Warranty direct, but because of useful site/forums, in this case the seat cupra. net, able to fix problem myself, and not incur any charges by having Warranty direct look into the problem!
Ford Mondeo 2.2 tdci, BIG Issues concerning this model is the chocolate injectors made by delphi I have Warranty direct cover for this, and many users of the ford ST forum, have had the injectors replaced, by but no only by Warranty direct!
My and my wife's cars have all had this cover, for over 12 years, depending on the mileage we have had differing versions of Warranty by Warranty direct. 6 of our cars have had work done, with one possibly pending [the Mondeo] and 4 have never needed the use of cover.
Hope this is of use to anyone looking for future car warranty cover and I hope its not too long winded and its red herring free., but alas its not Goggle free thank god otherwise i wouldnt have known about "known faults" and who would!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Alfa 156 2.4 jtd. water radiator replaced "know problem" air con radiator sits in front of the water radiator, and the water radiators Finns disintegrate. replaced by warranty direct.although at the time not a " know fault" unlike the problem underneath, but became so as the radiators barely last 4 years.
A few weeks later water pump replaced, plastic wheel impellers crack also replaced "known problem"on many cars. replaced by a metal type impeller version. Warranty direct replaced it, i paid for the new cam belt which also drives the water pump.and also paid the garage to replace all the camshaft pulleys too.
Vauxhall vectra 2.0tdi est. sensor replaced by warranty direct, but it wasn't the fault! turned out to be another sensor "crankshaft sensor"
Some would say "another known fault"! I had to pay 30 odd quid toward the replaced wrong sensor which cost 80 odd quid.
Ford galaxy 115. air con issues another "know fault" luckily it was just the compressor as these known faults can end up having everything replaced. Warranty direct paid for that too.
Fiat punto sporting [wife's car]supposedly sticking front callipers"know fault" but ended up being the servo rod ! All parts replaced by warranty direct.
Seat Alhambra, [wifes car] as already mentioned alternator replaced because the pulley wheel flew off "known fault" and paid for by warranty direct. drivers Electric front window packed in, "known fault" wiring breaks where the wiring enters the car from the door wiring not covered by Warranty direct, but because of useful site/forums, in this case the seat cupra. net, able to fix problem myself, and not incur any charges by having Warranty direct look into the problem!
Ford Mondeo 2.2 tdci, BIG Issues concerning this model is the chocolate injectors made by delphi I have Warranty direct cover for this, and many users of the ford ST forum, have had the injectors replaced, by but no only by Warranty direct!
My and my wife's cars have all had this cover, for over 12 years, depending on the mileage we have had differing versions of Warranty by Warranty direct. 6 of our cars have had work done, with one possibly pending [the Mondeo] and 4 have never needed the use of cover.
Hope this is of use to anyone looking for future car warranty cover and I hope its not too long winded and its red herring free., but alas its not Goggle free thank god otherwise i wouldnt have known about "known faults" and who would!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
- Jun 20, 2005
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OMG and there's me thinking dog fighting was banned!
When my Sorie manufacturers warranty expired we did extensive research on Sorie reliability at ever increasing mileages.
uksorento.com
proved invaluable.
At that time I recall the best value for money "insurance" warranty was the Warranty Direct supported by the Daily Telegraph and their Honest John.
In view of the excellent long term reliability of the Sorie we decided to carry the risk ourselves. This we have done for the last 2 1/2 years. Apart from servicing I've only had one major expenditure of £600 for replacement turbo pipes and exhaust gas recirculation valve allegedly gummed up by prolonged use of supermarket diesel.
Listen to Prof john. Every word is spot on and I am afraid Jonny I have to disregard most of what you have said.
The FSA, Financial Services Authority made it Law that any Insurance related product for sale must allow the prospective purchaser sight of the entire policy wording before the point of purchase.
You will see that EVERY Insurer clearly displays on their web site their FULL policy wording for all to see . Hard copies are also readily available via post.
So Chris firstly decide if you really need an extended warranty at all. Investigate the true reliability of your Nissan. Cost out those parts that are likely to fail prematurely. It may well be you are actually better off carrying the risk yourself.
When my Sorie manufacturers warranty expired we did extensive research on Sorie reliability at ever increasing mileages.
uksorento.com
proved invaluable.
At that time I recall the best value for money "insurance" warranty was the Warranty Direct supported by the Daily Telegraph and their Honest John.
In view of the excellent long term reliability of the Sorie we decided to carry the risk ourselves. This we have done for the last 2 1/2 years. Apart from servicing I've only had one major expenditure of £600 for replacement turbo pipes and exhaust gas recirculation valve allegedly gummed up by prolonged use of supermarket diesel.
Listen to Prof john. Every word is spot on and I am afraid Jonny I have to disregard most of what you have said.
The FSA, Financial Services Authority made it Law that any Insurance related product for sale must allow the prospective purchaser sight of the entire policy wording before the point of purchase.
You will see that EVERY Insurer clearly displays on their web site their FULL policy wording for all to see . Hard copies are also readily available via post.
So Chris firstly decide if you really need an extended warranty at all. Investigate the true reliability of your Nissan. Cost out those parts that are likely to fail prematurely. It may well be you are actually better off carrying the risk yourself.
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