I Love Warranty Direct

[mcbutler]

Another repair authorised, I paid £1100 for 3 years total cover with only £50 excess.
Work includes all DCT filters & oil....

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We refer to your recent claim for a gearbox oil sump and are pleased to
confirm this has been authorised, as follows:

Labour hours - 4 at hourly rate of £72.00
Labour - £288.00
Parts - £307.88
Total - £595.88
Minus excess - £50
Payable - £545.88

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[IRD]

It’s good news when insurance pays out. So many of them are happy to take your premiums but are then reluctant to entertain any claim. We have had both good and bad experiences. A real struggle to get some money out of a holiday insurance company and the exact opposite from NFU who insure our cars and the house. NFU resolved a claim for wind damage to our bungalow and the money was in our account within a week. The holiday insurance company tried every trick in the book to avoid payment.

 

[mcbutler]

It’s good news when insurance pays out. So many of them are happy to take your premiums but are then reluctant to entertain any claim. We have had both good and bad experiences. A real struggle to get some money out of a holiday insurance company and the exact opposite from NFU who insure our cars and the house. NFU resolved a claim for wind damage to our bungalow and the money was in our account within a week. The holiday insurance company tried every trick in the book to avoid payment.

Never had any problem with WD, BMW dont cover this work at all in their warranty because the gearbox does not need to be dropped!!!! Nice one BMW - NOT.
Always makes me laugh that people describe BMW as 'main stealers' etc but are so eager to jump on board with their warranties!!

 

[Thrustyjust]

I think anyone who manages to get money from Warranty Direct , must be close family members or supplier of hookers to the boss. Been shafted twice by them with a Volvo we had. Once for a boost solenoid which failed and over boosted the intake side and split the hoses. 'Oh we dont cover them parts sir' . Another of an auxilary tensioner which failed and took out the cambelt cover , and plastics all around , as the belt flapped around. Nope, we dont cover them either sir. So, what the f*** do you cover for £45 a month ?
Ironically, when I cancelled the policy, they sent me a ' gentle reminder' of their policy covers any damage caused by a part failure , such as a drivebelt and also that a car has a lot of 'electrical systems , which can be expensive to repair' . Thats correct, Warranty Direct, which is why I took out the expensive top policy to cover that and at the point of needing then, they shafted us.
Never again from me will I give them money. It maybe more expensive, but for an extra £100 a year, we use the dealer extended warranty now , which I will take on the current car in September, as Volvo gave use 3 months free additional warranty due to the garage being shut the last few months.

 

[Smartbear]

I think anyone who manages to get money from Warranty Direct , must be close family members or supplier of hookers to the boss. Been shafted twice by them with a Volvo we had.

Snort
Rob

 

[Silverstar]

I don't know, each to their own but personally I think unless you've got a lemon of a car which constantly needs repair you are better off putting the warranty money in your bank and be your own warranty company so to speak.

 

[Ming]

I don't know, each to their own but personally I think unless you've got a lemon of a car which constantly needs repair you are better off putting the warranty money in your bank and be your own warranty company so to speak.

I tend to agree. Went online and got a quote from Warranty Wise, the one that Quentin Wilson backs. I admit I was in a hurry but was quite pleased at the £68 quote...... Until I re-read it and realised that was PER MONTH!!

So well over £800 a year....... And they don't cover failure of the electric roof, the one thing I was concerned about. A few years ago I paid £300 for a year's warranty on a used Mini Cooper and got my moneys worth when the aircon compressor failed. They queried whether it was caused by a stone but I had a good garage that disputed that and insisted it was a failure of the unit.

 

[mcbutler]

I don't know, each to their own but personally I think unless you've got a lemon of a car which constantly needs repair you are better off putting the warranty money in your bank and be your own warranty company so to speak.

You may have a point with certain cars but not with higher spec/performance cars in my experience.
I have a ford focus 2004 diesel that has done 80k, i change the oil every 8000miles, change the pads etc when due and its never missed a beat, your idea works well in that situation.

My 23i, 70k full history had a small gearbox whine, WD coughed up for removal, posting to London, stripp, inspect, return and fit, no arguments £450. They then replaced all 24 lifters because only one was tapping, £1450, then a new cam cover with blocked breathers, I think that was around £300. I had the car two years and paid £1200 to WD as a premium.

My current 35i, 24000k when policy taken out, 3 years total cover, even MOT fail items (not pads etc of course) for £1100. One claim and I am in to them for £600 already. 35's are expensive to keep. The other question is if you would have the sum of money put away if needed, you might need that £600 or more a few weeks into ownership.
If I was paying for this i could afford it but it coincides with me buying two new rear Pilot Sport 4S tyres at £340 next week and an alloy wheel repair, that would be nearly £1k in one month without a warranty!!!!!

As for claim success, a lot of that depends on you liasing carefully with the garage, my guy Kev at RL motors in Plympton is brilliant at this and the results speak for themselves.

I am a landlord/developer, I am not an insurance agent or related to WD in any way.

 

[Silverstar]

It's good that having the warranty has worked out for you and you've got your money's worth but car warranties are the same as insurance companies and those companies make money on the basis that most people won't claim or that they refuse claims and don't pay out. The probability is stacked in their favour so now if you have had two cars which have both needed extensive repairs then have you just been unlucky with the cars you have purchased?

I say this because in my 25 years of owning BMWs I have only had to do expensive repairs twice, once on my E30 325i which was covered by the dealer supplied warranty for a broken rocker BUT I had to fight tooth and nail to get the insurance company to pay out, luckily in the end they did after I threatened them with court action and luckily I didn't pay for the warranty as that was included by the dealer as part of the sale, and the second time was a bill of around 500 GBP for power steering pump on my E46 other than that all my BMWs have only ever needed usual servicing and maintenance.

It's true the 35i is more likely to need expensive repairs but again I would just make sure I had a grand or two spare in the bank for this purpose if I were to buy one, but I still would not expect it to need expensive repairs every year. If it did I would consider it to be a lemon.