Warranties - Which are the best? Waranty Wise or Warranty Direct? - MG-Rover.org Forums
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post #1 of 56 (permalink) Old 06-07-2007, 19:26 Thread Starter
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Smile Warranties - Which are the best? Waranty Wise or Warranty Direct?

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.......

And Guess?

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.

http://www.warrantywise.co.uk/ww.sys/standardCover

So, any thoughts or feedback?

Has anyone used Warranty Wise Before?

Any advice welcome..........
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post #2 of 56 (permalink) Old 06-07-2007, 21:47
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I was with warranty wise a few years ago made one claim no problem, just taken out 2 years cover with them including wear and tear £503
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post #3 of 56 (permalink) Old 06-07-2007, 22:07
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Cannot help with your "which is best query", however I have added breakdown repair cover to my AA membership at cost of 65 pounds annualy,
Briefly I quote
"Helps to pay for the cost of most replacement parts & garage labour up to a total of 500 pounds per claim, inc vat,less 25 pounds excess following a breakdown attended by the AA".
More than one claim per year allowed

I am confident that this would not cover a worn clutch, brake pads, tyres exhaust etc but believe it covers most electrical /mechanical failures.

Suggest you investigate this avenue before laying out the sort of cash you are talking about
My total with AA covers Roadside/Relay/Joint cover for wife, with said Breakdown Repair Cover for total 184-25 pounds annualy.
Finaly, they only introduced it last year when I signed up & I have not had to test them yet.
The way I see it, its worth it to sort out a failed starter motor/ alternator or similar, but covers to some extent major failure of engine/gearbox running gear etc
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post #4 of 56 (permalink) Old 06-07-2007, 22:28
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from my personal experiance

stay away from warrentie dirrect they say stuff is covered BUT you have to pay for the repairs and then claim back off them , thats fine on paper BUT guess waht after you have payed they say its not covered "wear and tear"

if an inlet manifold gives the ghost up on a 190 every 11k i suppose it is wear and tear !!
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post #5 of 56 (permalink) Old 06-07-2007, 22:57
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ZR CDTI Warranty

Mr Villian,

Interesting subject, I am too a new ZT CDTI owner, so please do keep in contact.

The 20 months old car (55) I have bought does not have a warranty and thus I am looking for one so any experiences / problems, - pls let me know.

The questions I have are:

1. Should we take the risk of no waranty and bank the cash?
2. The warranty available covers items that never have issues and the warranty companies seem to wriggle out of their responsibilities when issue occur?

Any advice ?
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post #6 of 56 (permalink) Old 07-07-2007, 10:13
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Everything is "consumable" after time. So in theory, they are selling a duff policy and therefore can be taken to the trading standards.

I had a brand new motorcycle many years ago and the speedo cable snapped after just 800 miles. They replaced it on it's service but charged me saying it was a consumable item and therefore not covered under the warrenty.

I asked them what would be the life span of the engine. They reckoned about 200,000K with proper servicing.

"Ah" I said, "so the whole damn thing can be classed as a consumable"

They deducted the costs of the cable off the bill for being such a smart ask.
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post #7 of 56 (permalink) Old 07-07-2007, 11:38 Thread Starter
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Quote:
Originally Posted by pete_zt View Post
Mr Villian,

Interesting subject, I am too a new ZT CDTI owner, so please do keep in contact.

The 20 months old car (55) I have bought does not have a warranty and thus I am looking for one so any experiences / problems, - pls let me know.

The questions I have are:

1. Should we take the risk of no waranty and bank the cash?
2. The warranty available covers items that never have issues and the warranty companies seem to wriggle out of their responsibilities when issue occur?

Any advice ?
I have thought about banking the cash and skimping on the warranty but after reading some of the horror stories on the forum about the costs incurred replacing certain items I would have to opt for a warranty.

For example, to replace the clutch, slave/ master cylinder etc.... it costs anywhere from £550 - £1000 depending on the garage and also where you live geographically. The quote for the policy is only just over £600 and this would cover the clutch replacement amongst many other things as well.

Have a look through the link below and it explains exactly what is covered:

http://www.warrantywise.co.uk/ww.sys/standardCover

I reckon it will be money well spent...........
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post #8 of 56 (permalink) Old 07-07-2007, 14:51
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Has anyone tried these?
http://warrantyworks.co.uk/index.jsp

Seems pretty comprehensive cover.

Last edited by steve00117; 07-07-2007 at 15:34.
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post #9 of 56 (permalink) Old 07-07-2007, 15:37
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My experience with Warranty Wise is here:

MG Cdti 135 first thoughts & private warranty

I've got nowhere with my complaint to them.

IMO, they will all try to wriggle out of a claim if humanly possible.
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post #10 of 56 (permalink) Old 07-07-2007, 15:54
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with warranty companies it does seem to be a matter of luck to some extent, as I have a warranty with autoprotect and so far thay have paid out for:
Clutch slave cylinder, Master cylinder, MAF sensor, Camshaft Sensor, Parking aid switch, and Front spring, all within 7 months of purchasing the car which came with the gold cover from Auto protect.
I have had no problem with them paying for any of the above claims, so cannot complain.

Ray
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post #11 of 56 (permalink) Old 08-07-2007, 11:39
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No personal experience with either.
I've just bought a Warranty Direct policy after responses on a BMW forum (It's on a 530d). The consensus was that Warranty Direct were OK up to a point, and were probably the best of a "bad bunch". Memebers of the forum who had used Warranty Direct all said that after they had a mechanical problem, they contacted WD BEFORE they had any work done, and all experienced no problems. (Yes, you have to pay and then reclaim, but I thank that's common).

BTW with the increased competition in the Warranty market, you can get good discounts with WD. Do the online bit then wait for the phone call follow-up a couple of days later and then negotiate!

Mike
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post #12 of 56 (permalink) Old 11-07-2007, 22:08
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Any further forward with the warranty? Who did you go with & why.

I'm looking to get one for my 04 ZT Cdti, all advice welcome.

I looked at autoprotect & their "Premium plus" policy states "all electrical & mechanical parts covered" their "Premium" policy covers similar items to warranty wise etc...with specific parts listed.

Can't get a quote online will need to phone to get a quote.

cheers

Ronnie

Last edited by Ronniem; 11-07-2007 at 22:13.
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post #13 of 56 (permalink) Old 12-07-2007, 07:44 Thread Starter
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No further at the moment i'm afraid. I am getting two quotes one from warrantywise and one from warranty direct. Once I have them I am going to call the two companies up and "haggle" on the price!

After reading the policies that are on offer I am most likely to go with warranty wise, they seem to have better reviews - still going to haggle of course!
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post #14 of 56 (permalink) Old 12-07-2007, 20:29
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For those who are AA members there is another option, for £65 a year you can have a warranty from the AA, if their patrol attends they will pay a garage of your choice up to £500 up to 5 times in a year. This does not seem to have the wear and tear clauses as they will even cover your battery. Certainly worth considering. http://www.theaa.com/breakdownrepaircover/index.html
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post #15 of 56 (permalink) Old 17-08-2007, 01:59
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as with all these things, they are there to make a profit for whoever invests/ owns them. They will dispute claims to avoid payment.
They will have been exploited too!
For warranty owners, re-read, absorb the exclusions, fully understand the claims procedure. You will be in better position to present your claim, if it is needed.
I was lax and didn`t precisely follow their procedure, my garage claimed on my behalf and was declined (they sold the warranty and were a bit miffed also).
After quite hostile and almost offensive/liabelous questions and comments from claims "service" operatives,.......too much hassle, explaining problem over and over, need to get MGR dealer to specify work required (my garage were MGR main agent, now Xpart as clear on invoice they had received), as it was central locking it had a "remote" component so wasn`t covered at all, etc. etc.
( so if defective car has tyres on, doesn`t qualify for warranty claim as they are specific exclusions! - was impression I gained )
I formally disputed and had to get garage to do minute specification invoices, send defective parts to them for examination, getting standardised prices and eventually got a unspecified (for what elements) cheque for around 60% of cost. This I have also queried but back to the small print (so do read it carefully)..........next year I`ll take gamblers risk.

No Mr.Rac - a bad do, I see you no longer advertise this service and I wouldn`t consider renewing after this experience but it appears that an near identical warranty by same outfit has migrated to Mr.Aa, hopefully much more custard friendly (custard = customer and b`stard combined), maybe also accepting some liabilty.

A job, I thought covered by the "gold warranty thing" , consumed a quarter of my months pension (after their payout) and several hours of irritating explanation, running the garage ragged and collateral stress. Marks out of ten = 1.66666666 ( being very generous)
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post #16 of 56 (permalink) Old 17-08-2007, 06:39
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Warranty

I took out an RAC warranty when Rover curled its toes up and my car was about a year old. I took it out via the MGR dealer and so far (touching copious amounts of wood) any claims (MAF and alternator, the latter of which packed in in France) have been settled without quibble. The French episode entailed me paying at the time, but upon return home it was settled within a few days after receipts had been sent. It seems as though it's not neccesarily which Company you deal with, but which member of staff representing that Company.
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post #17 of 56 (permalink) Old 17-08-2007, 09:08
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I was offered Warranty Wise's policy by the dealer when I bought my CDTi last November and it's the first and last time that I will take out a private warranty.

Having visited this forum and being well aware of the expensive and common problems that can (and will) go wrong with the 75, I thought it might be money well spent. It wasn't. Since owning my CDTi I have had all the usual problems - camshaft sensor, crankshaft sensor, front coil springs, MAF sensor, fuel pumps and now the latest, a clutch slave cylinder failure. None of it has been covered by Warranty Wise.

They have wriggled out of everything, quoting the small print every time. My largest repair bill was for the clutch slave cylinder. It is without doubt, the most useless piece of design I have ever encountered. Why is a hydraulic
cylinder enclosed within the clutch housing? When it fails, it contaminates the clutch with hydraulic fluid - plain stupid. Every car that I have owned with a hydraulically operated clutch has the slave cylinder on the outside. Easy to change, cheap to repair - you could even buy a seal kit for a few quid when it begins to leak again!

Warranty Wise wriggled out of the repair by stating that the repair had begun before they had assessed the faulty parts. Well, of course it had begun; the gearbox has to come out to diagnose the extent of the repair. If you have the standard cover like I had, the dual mass flywheel is not covered - the most expensive part of the job and will need replacing on a high mileage vehicle, with the original flywheel fitted. The clutch drive plate is not covered as this is considered as normal wear and tear (unless it actually breaks up and fails) and yet it was contaminated with hydraulic oil. They will only contribute £35 per hour, including VAT towards the labour costs and they will always quote their own times for standard repairs.

In the case of the clutch assembly, the garage had the car for over a week because firstly, they couldn't source a dual mass flywheel and secondly, had to wait whilst Warranty Wise sent their own assessor. Any claim over £500 is automatically assesed by their representative which means the garage have to wait, with or without your car dismantled, until their assessor turns up and makes his report back to Warranty Wise. Also, they will only assess a claim in consultation with the garage and not yourself. Make sure you establish with your garage beforehand, that they will undertake private warranty repairs. If your garage prefers not to undertake warranty repairs because of the paperwork involved, as soon as a spanner is turned, you're on your own.

The bitter footnote to all this is that the car is now back in the garage as the Xpart slave cylinder failed after 1680 miles. I won't even bother contacting Warranty Wise.

My personal advice - keep your money in your pocket. If they don't want to cover a claim - they won't - and there is very little that you can do about it, once you've read the small print. You won't get a straight answer from their claims department either - they will always state that they have written to you. If you ask for the letter to be read out to you on the telephone, they claim itís with the underwriters - who apparently, they don't speak with. When the letter arrives, the small print is always quoted as to why they won't be covering your claim for repairs. When you call them back to question their decision, you're told - itís with the underwriters and you will have to write a letter of complaint to them, to re-instate the claim. So the process begins again. I recently had a mail-shot letter from Warranty Wise stating that they had moved to nice new premises - you don't have to think too hard as to who is paying for all this ...

After these ongoing repairs are complete - if I have any money left - I will be taking out a Green Flag policy and not renewing with Warranty Wise. Once the clutch fails, like mine did miles from home, it cost me £205 to get the car back to the garage in my home town. A get-you-home policy would be money well spent - me thinks !!!

Warranty companies - they'll wear you out with bureaucracy and you'll still have to pay the garage bill.
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post #18 of 56 (permalink) Old 17-08-2007, 09:53
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All interesting stuff. As the previous post says, the main thing with a major breakdown is to get yourself & the vehicle home. Breakdown cover at around £1 per week has to make sense.

The thread started with a clutch issue. Our '02 R75CDT has done 85,000 miles. It's had one in-tank fuel pump - MGR Warranty - 2 rear shox & 2 front discs.

Our '03 R75TCDTi has only done 25,000 miles. We had the plenum blockage, that wrecked the glow plug relay, but simple to fix at home.

It all comes down to a combination of luck with the build quality of the car and the care taken in driving & routine maintenance IMHO.

If an owner doesn't have cash in the bank, a warranty must make sense, but as others have said, the small print has to be read. The prime objective of any business is to make a profit NOT to provide a service, that is simply the means to achieve the end.

I did communicate with Warranty Direct and found the process to be a joke. Every time I didn't take up the offer, the price was reduced. It ended up at around two-thirds of the first quote, leaving me as a potential buyer having serious doubts about the business methodology.

I'll stick with cash in the bank & preventative maintenance. If I have a big problem with each of three cars I'll count myself really unlucky, but at least I won't have the debates over who pays for what!

As ever, ''yer pays money & yer takes yer choice''
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post #19 of 56 (permalink) Old 17-08-2007, 09:53
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All interesting stuff. As the previous post says, the main thing with a major breakdown is to get yourself & the vehicle home. Breakdown cover at around £1 per week has to make sense.

The thread started with a clutch issue. Our '02 R75CDT has done 85,000 miles. It's had one in-tank fuel pump - MGR Warranty - 2 rear shox & 2 front discs.

Our '03 R75TCDTi has only done 25,000 miles. We had the plenum blockage, that wrecked the glow plug relay, but simple to fix at home.

It all comes down to a combination of luck with the build quality of the car and the care taken in driving & routine maintenance IMHO.

If an owner doesn't have cash in the bank, a warranty must make sense, but as others have said, the small print has to be read. The prime objective of any business is to make a profit NOT to provide a service, that is simply the means to achieve the end.

I did communicate with Warranty Direct and found the process to be a joke. Every time I didn't take up the offer, the price was reduced. It ended up at around two-thirds of the first quote, leaving me as a potential buyer having serious doubts about the business methodology.

I'll stick with cash in the bank & preventative maintenance. If I have a big problem with each of three cars I'll count myself really unlucky, but at least I won't have the debates over who pays for what!

As ever, ''yer pays money & yer takes yer choice''
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post #20 of 56 (permalink) Old 17-08-2007, 09:53
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All interesting stuff. As the previous post says, the main thing with a major breakdown is to get yourself & the vehicle home. Breakdown cover at around £1 per week has to make sense.

The thread started with a clutch issue. Our '02 R75CDT has done 85,000 miles. It's had one in-tank fuel pump - MGR Warranty - 2 rear shox & 2 front discs.

Our '03 R75TCDTi has only done 25,000 miles. We had the plenum blockage, that wrecked the glow plug relay, but simple to fix at home.

It all comes down to a combination of luck with the build quality of the car and the care taken in driving & routine maintenance IMHO.

If an owner doesn't have cash in the bank, a warranty must make sense, but as others have said, the small print has to be read. The prime objective of any business is to make a profit NOT to provide a service, that is simply the means to achieve the end.

I did communicate with Warranty Direct and found the process to be a joke. Every time I didn't take up the offer, the price was reduced. It ended up at around two-thirds of the first quote, leaving me as a potential buyer having serious doubts about the business methodology.

I'll stick with cash in the bank & preventative maintenance. If I have a big problem with each of three cars I'll count myself really unlucky, but at least I won't have the debates over who pays for what!

As ever, ''yer pays money & yer takes yer choice''
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