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post #3 of (permalink) Old 11th November 2011
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Re: warranty works and extended warranty

I have quite a bit of experience with aftermarket warranties, and there are a few pointers I can offer;

  1. Make sure you compare like with like; some warranties are Inclusive (they list all the parts they cover), the other are Exclusive (they list all the parts they don't cover).
  2. Check for consequential damage clauses; getting a new cambelt paid for, is little comfort, if the entire top-end of the engine needs to be rebuilt at your expense...
  3. Servicing requirements; many allow you to keep with the manufacturer's recommendations, but some set their own time & mileage intervals which must be adhered to.
  4. Approved repairers; Ideally, you want the local garage where the car currently is in for repair/service/mot to be able to perform the warranty repair - not someplace (possibly) far away.
  5. Labour rate limits; make sure you select a rate appropriate for what's charged in the areas you normally drive - you need to top-up any difference.
  6. Approval/authorisation; some warranties need to give authorisation before work commences, some require you to pay for the work & then claim it retrospectively - make sure you know what's expected.
  7. Claim limits; should be self-explanatory, but ensure the amount you can claim for at least covers the replacement cost of the item
  8. Age/mileage limits; again, self-explanatory, but if buying a 4 year policy, that the policy won't be redundant prematurely due to the car's age/mileage.


This job should never be complete - the day I think I've done it all, is the day I resign.

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