I am in the process of changing my warranty. I am currently with Auto Protect and my policy is supposed to cover mechanical and electrical failure/ breakdown but they have been bl**dy awful. I will give you an example; My clutch on my ZT CDTi had failed and after diagnosis from an ex MG dealer they refused to cover it under warranty as a "clutch" is classed as a consumable. After speaking to the dealer they had actually diagnosed that the master/ slave cylinder had failed causing the clutch to fail and in their independent opinion they stated to Auto Protect that the master/ slave cylinder failure was the cause and was classed as "mechanical" failure. Under my policy it states all mechanical and electrical failures are covered.
I spoke to Auto Protect again and was told that it was at their discression and even if that was the case a clutch is still a "consumable" and would not be covered! Needless to say I was not to impressed and I have since cancelled the policy after many hours on the phone and managed to get a pro rata refund on the remaining term.
So, this leaves me in a situation where I need to replace my warranty. I have looked at 2 so far: Warranty Wise and Warranty Direct.
I spoke to Warranty Direct first, they quoted for 12 months £290. I then asked them to explain EXACTLY what the warranty covered. It all sounded OK. I decided to try them out with a Hyperthetical situation i.e. the one about the clutch, slave, master cylinder etc.......
Yes, they were not covered as they are again deemed "consumables".
So off to Warranty Wise, same process except they offer 1,2 & 3 years cover plus once you are quoted online you get an online discount on your quote of £40 if you purchase within 30 days of the quotation.
Anyway, after digging around adding a few bits as optional extras I was quoted £501 for 2 years. I gave them the same hyperthetical situation as before and, at last, the clutch would be covered!!!!!! I was then offered, again for the 2 year term for an extra £100.20 wear and tear cover, £22 air conditioning cover and £44 MOT failure cover. So the total for the 2 years was £667.20 less the £40 discount means £627.20. Now I am not to good at maths but that works out to only £26.33 a month which I reckon is money well spent.
I have posted a link below which details all the parts covered etc. and it seems like a really good option.
So, any thoughts or feedback?
Has anyone used Warranty Wise Before?
Any advice welcome..........