Warrant Direct now in Ireland for everyone

dermatrov

Hi all

I have been looking for an after sales warranty here in Ireland for years.

I just got a quote off warranty direct who have just started selling warrantys here for second hand cars. anybody can buy one off them at any stage.

They quoted me £325 sterling for a fully comprehensive policy for my 05 saab. Attached is the policy document. (also got confirmed by email that cover is now available in Ireland)

I know that is a lot of money, but that will cover most car parts even wear and tear items warrantys normally wouldnt cover. Is it too much though?

Kind of thinking that if the turbo went it would be about 1200, gearbox 2k etc. You could be unlucky if you dont have a warranty - or conversely if I buy this warranty I may not need to use it

What are your views?

To buy or not to buy.....

www.warrantydirect.co.uk

dermatrov

If you want to do both vehicles I can offer £325 on each car –

If you sell the vehicle you can transfer the warranty to the new owner or if not claims have been made you can get a pro rata refund subject to a £50 cancellation fee.

I can confirm I would include emissions and airbags free of charge.

I can also confirm the policy will include cover in the republic of Ireland.

Maximum term we do is 12 months – for the fact that we would not want to tie you in for a long term contract if you do not have the car.

Key points on our warranty include:

· FSA regulated
· Wear and tear cover (we do not exclude worn items)
· Consequential loss cover
· Points found at MOT and Service
· Diagnostic costs
· No overheating exclusion.
· Claims limit to the value of the vehicle

ashleey

I would check what they mean by roi cover. What dealer are you allowed to visit for work done as opposed to where the car is driven. Also double check exactly what work is covered. If you're happy then several mates use them in uk with no problems in my experience.

ShadowHearth

Sounds too good to be honest... Is it legit?

Padraig Mor

Wasn't there a thread within the last few days where Warranty Direct (I think) said they did NOT cover ROI has they had no network garages here??!!


edit: here we go: link

I've seen a couple of references on Boards in relation to Warranty Direct providing cover in Ireland, which surprised me, as the last time I checked they didn't, so I just contacted them today. Here's the conversation:

Clive: Welcome to our Warranty Direct support chat. How can I help you today?
Me: I am in the Republic of Ireland - can I buy a warranty from you?
Clive: Good afternoon, unfortunately we don't have any garages in the Republic of Ireland
Me: OK, thanks
Clive: No problem

EPM

dermatrov wrote: »

If you want to do both vehicles I can offer £325 on each car –

If you sell the vehicle you can transfer the warranty to the new owner or if not claims have been made you can get a pro rata refund subject to a £50 cancellation fee.

I can confirm I would include emissions and airbags free of charge.

I can also confirm the policy will include cover in the republic of Ireland.

Maximum term we do is 12 months – for the fact that we would not want to tie you in for a long term contract if you do not have the car.

Key points on our warranty include:

· FSA regulated
· Wear and tear cover (we do not exclude worn items)
· Consequential loss cover
· Points found at MOT and Service
· Diagnostic costs
· No overheating exclusion.
· Claims limit to the value of the vehicle

Wear and tear items? That's wide open to interpretation...

EDIT - Looking at post below this seems too good to be true tbh

dermatrov

He says that full cover in Ireland.

That they have no network garages here but work can be done in any main Vat registered dealer, paid by me and they pay £60 per hour labour, plus parts (over certain mileages you need to contribute towards the parts, all in the booklet) - there is a small excess of 50 (I think)

I know it looks good, just dont want to waste my money unecessarily.

Type of Insurance and Cover

This insurance policy pays towards the cost of repairing a
vehicle following breakdown of an insured part. A list of
insured parts is attached.

Significant Features and Benefits

1. Parts and labour cover.
2. Car Hire.
3. Overnight hotel accommodation.
4. Emergency Travel within the United Kingdom.

Significant Requirement

Your vehicle must have been serviced within the twelve
months prior to taking out the policy.After the policy has
been taken out it must be serviced according to the
manufacturer’s requirements by a VAT registered garage.

Significant Exclusions and Limitations

1. Any item not specifically mentioned is not covered.
2. We will not pay for Breakdown of any insured part
within the first ninety days of your policy incepting
(unless it is a renewal) where the breakdown of that
part is caused primarily or in whole by wear and tear.
3. The policy does not cover any pre-existing faults.
4. We will not pay for repairing or replacing parts which
have not suffered a breakdown.
5. The policy will pay the full cost of repairs up to the
claims limit shown on your policy schedule.When the
mileage is over 60,000 miles, a contribution to the
parts costs will be required.
6. You will be required to pay the amount of excess
shown in the schedule for each claim.
If you require more information about these, or other,
exclusions and limitations you should read the Policy
Document, particularly the sections headed ‘What is
Insured’, ‘What is not insured’ and ‘Conditions’. Please
ensure you read these carefully and familiarise yourself
with them.

Right to Cancel

If, having purchased a vehicle breakdown insurance policy
from us, you decide that you do not want the policy
after all, simply write to us within 30 days of receiving
your insurance schedule and all cover will be cancelled.
Any premium paid will be refunded to you.

Duration of Insurance

Your cover can last for up to three years (depending
upon the period of cover you have elected to take and
also subject to earlier termination or your 30 day right to
cancel).We may cancel the insurance by giving you 30
days’ written notice.Your policy schedule will detail the
period of insurance. Notwithstanding this and where
you continue to purchase cover on a monthly basis, all
cover will cease if the vehicle reaches 130,000 miles or
13 years old, whichever is the sooner.

How to Claim

If you need to make a claim phone Warranty Direct
Claims Department -Telephone: 0845 052 1176.

Complaints Procedure

If you have a problem with the service you receive, you
can write to the Managing Director,Warranty Direct
Limited, Quadrant House, 20 Broad Street Mall, Reading
RG1 7QE. Tel. 0800 731 7001. If we cannot resolve your
complaint to your satisfaction you may be entitled to
complain to the Financial Ombudsman Service (FOS) or
the Society of Motor Manufacturers and Traders Limited
(SMMT) Regulation and Compliance Unit.

SecureCare

This type of cover has been specifically selected to
provide vehicles with additional cover to the Major
Care policy, and is suitable for vehicles that are in
excess of 7 years old and/or 70,000 miles.
The items under the following list are covered. Any
item not specifically mentioned is not covered.

Engine

All internally lubricated parts, including but not
exclusive to the following: cam followers, camshaft
bearings, camshaft/s, connecting rods and bearings,
crankshaft and bearings, cylinder bores, cylinder head,
cylinder liners, distributor drive, gudgeon pins, liner
seals, oil pump and drive, piston rings, pistons, rocker
gear/ tappet gear, timing chain and timing chain
tensioner, valve guides, valve springs, valves (excl.
decarbonisation, burnt or pitted valves and valve
seats), cylinder block, internal bushings, rear main seal
Specified non-lubricated parts: cylinder head gasket,
exhaust manifolds, flex plate/ auto drive plate, inlet
manifolds, timing gears, cambelt and cambelt
tensioner, crankshaft pulley, flywheel, ring gear, starter
ring gear

Turbo

Intercooler, turbocharger, wastegate and actuator

Clutch

Clutch cable, master cylinder, pedal assembly,
slave cylinder.

Manual transmission

Bearings, bushes, extension shaft, gears, selector shafts
and forks, shafts, synchromesh hubs and rings, drive
chains, gearlever

Automatic transmission

Automatic transmission clutches, bearings, brake
bands, bushes, extension shaft, gears, internal
governor (manual and electric), oil pump, servos,
shafts, torque converter, valve block, valves, drive
chains, gearlever, input shaft oil seal, modulator valve

Front Wheel Drive Unit

Bushes and internal bearings, C.V. joints, crown wheel
and pinion, differential gears and bearings, external
drive shafts, front wheel bearings, universal joints

Rear axle

Bushes and internal bearings, C.V. joints, crown wheel
and pinion, differential gears and bearings, external
drive shafts, rear wheel bearings

Four Wheel Drive System

Bushes and internal bearings, C.V. joints, couplings,
front differential, inter-axle differential and lock, rear
differential and lock, shafts

Propshaft

Centre bearings, universal joints, propshaft

ECUs

Engine ECU

Braking System

Brake servo unit, calipers, brake master cylinder,
wheel cylinders

ABS

ABS pressure reducing and proportioning valves, ABS
pump and control unit

Cooling System

Heater matrix, radiator, thermostat, thermostat
housing, viscous fan coupling, water pump

Steering

Column shaft, couplings, idler box, power steering unit
including pump, pressure pipes, rack and pinion,
reservoir, steering box, steering column tilt
mechanism, track rods/ track rod ends

Fuel System

Airflow meter, cold start injector, diesel injectors, fuel
distributor, fuel gauge, injection pumps, low pressure
pumps, petrol injectors, tank sender unit, warm-up
regulator

Electronic Ignition

Camshaft sensor, crankshaft sensor, ignition coils

Electrics

Alternator, alternator voltage regulator, engine cooling
fan motor, electric window motors, front windscreen
wiper motor, rear windscreen wiper motor, interior cabin
fan motor, horn, indicator flasher unit, starter motor

Bodywork

Tailgate suspension struts

Casings

Casings are covered provided they have been
damaged as a direct result of the covered failure of an
insured part.

Alarm systems and immobilisers

Alarm systems and immobilisers are covered provided
they were factory fitted by the vehicle manufacturer
as part of the vehicle’s original specification.

Oil Seals and Gaskets

Oil leaks that necessitate the removal of the engine,
gearbox/ drive unit, driveshaft or differential unit to
carry out repairs.

Only the components originally fitted as standard
by the manufacturer are covered unless agreed in
writing by us.

iphone4g

If this is true,covering wear and tear parts he won't be in business long,I smell something fishy .

dermatrov

That is weird.

Here is the email I got from their sales guy, I will call him again now just to be 100% but I have it in writing I suppose.



From: Chris Fajer [mailto:ChrisF@warrantydirect.co.uk]
Sent: 26 January 2011 16:46
To: XXXXXXXXXXXX
Subject: Secure 6xxxxx

Mr XXXXXXXXX
Please find attached our secure care policy. I can confirm I can offer this for an annual premium of £349 inclusive of insurance premium tax.

Key points on our warranty include:

· FSA regulated
· Wear and tear cover (we do not exclude worn items)
· Consequential loss cover
· Points found at MOT and Service
· Diagnostic costs
· No overheating exclusion.
· Claims limit to the value of the vehicle


Kind Regards


Chris Fajer
Title: Sales Mentor
Tel: 08007317001 Ext: 235
Fax: 0118 9719702
Email: ChrisF@warrantydirect.co.uk
Web: www.warrantydirect.co.uk

Sales Department Opening Hours: Mon-Fri: 8.30am-8.00pm, Sat: 9.00am-4.00pm
Claims Department Opening Hours: Mon-Fri: 8.30am-6.00pm, Sat: 9.00am-12.30pm

Padraig Mor wrote: »

Wasn't there a thread within the last few days where Warranty Direct (I think) said they did NOT cover ROI has they had no network garages here??!!


edit: here we go: link

dermatrov

sorry posted the wrong email


From: Chris Fajer [mailto:ChrisF@warrantydirect.co.uk]
Sent: 26 January 2011 17:22
To: xxxxxxxx
Subject: RE: Secure 67xxxx

Hi xxxx
If you want to do both vehicles I can offer £325 on each car –

If you sell the vehicle you can transfer the warranty to the new owner or if not claims have been made you can get a pro rata refund subject to a £50 cancellation fee.

I can confirm I would include emissions and airbags free of charge.

I can also confirm the policy will include cover in the republic of Ireland.

Maximum term we do is 12 months – for the fact that we would not want to tie you in for a long term contract if you do not have the car.

Kind Regards


Chris Fajer
Title: Sales Mentor
Tel: 08007317001 Ext: 235
Fax: 0118 9719702
Email: ChrisF@warrantydirect.co.uk
Web: www.warrantydirect.co.uk

Sales Department Opening Hours: Mon-Fri: 8.30am-8.00pm, Sat: 9.00am-4.00pm
Claims Department Opening Hours: Mon-Fri: 8.30am-6.00pm, Sat: 9.00am-12.30pm

dermatrov

I agree, but it does exclude clutches

iphone4g wrote: »

If this is true,covering wear and tear parts he won't be in business long,I smell something fishy .

dermatrov

Thats what I am afraid of.....

I attached the actual policy book to the first post....if there are any legal eagles interested in having a look

EPM wrote: »

Wear and tear items? That's wide open to interpretation...

EDIT - Looking at post below this seems too good to be true tbh

Duncan31

They say there that they will not cover items which have not suffered a breakdown. I cannot therefore see how they will cover wear and tear items as observed at a service.

Padraig Mor

If they're paying £60 (~€70) per hour of the charges, you could well still be left with a big bill to pay yourself at an Irish main dealer charging €120/hr!

Also, you need to make 100% sure that "cover in the ROI" means what you think it does and NOT that UK policy holders are covered while visiting here.

ShadowHearth

Okay, i really cant see how this is profitable to that cOmpany...

It covers service... Every single car needs to be serveced atleast 2 times per year. Just oil and filter will cost you around 150 eu in any garadge so 300 eu will go every year. So they are planing on that 200 eu profit per year. Assuming you wount brake anything...

I smell a scam or a fine print...

Padraig Mor

Where are people getting the idea that they cover service items? They don't:

"We will not pay for.......Routine adjustments and service items including
(but not limited to) the distributor cap, the rotor
arm, the condenser, points, high tension leads,
spark plugs, wiper blades, filter parts, bulbs, belts,
antifreeze, fluids, grease, fuel or oils, brake shoes,
drums, discs and pads."

"You must look after the vehicle in line with the
manufacturer’s servicing handbook, and have it
serviced by a VAT-registered garage within 30 days or
1000 miles (whichever is sooner) of the
recommended service interval. To prove this you
should make sure the garage fills in and stamps the
handbook. You should also keep the invoices from
services as you must provide proof of servicing when
you make a claim."


I think what they mean by not excluding wear and tear items is e.g. if you mangle your car, they will replace the clutch, even though it may have been worn already.

KERSPLAT!

ShadowHearth wrote: »

Okay, i really cant see how this is profitable to that cOmpany...

It covers service... Every single car needs to be serveced atleast 2 times per year. Just oil and filter will cost you around 150 eu in any garadge so 300 eu will go every year. So they are planing on that 200 eu profit per year. Assuming you wount brake anything...

I smell a scam or a fine print...

Im not being smart but where does it say it covers services? I only flicked through the details,the way I picked it up was you must service your car according to manufacturer and anything found wrong with the car during this service will be covered but not including the list of items posted above

Stevie Dakota

"You must look after the vehicle in line with the
manufacturer’s servicing handbook, and have it
serviced by a VAT-registered garage within 30 days or
1000 miles (whichever is sooner) of the
recommended service interval. To prove this you
should make sure the garage fills in and stamps the
handbook. You should also keep the invoices from
services as you must provide proof of servicing when
you make a claim."

Well that rules out any Irish cars being covered.;)

ShadowHearth

My bad, i assumed they ment service as wear and tear.

Nonoperational

Lads warranty direct are going in the UK for years and years. They are owned by BNP Paribas, far from a dodgey backstreet scam!

I have a warranty with them for about 2 years they have been covering Ireland for years. How it works is they authorise the claim and you pay the garage and claim back from them. It's reasonably hard to get payment but you do get it once you have a service history and go through the correct steps. This has all been discussed on here before.

dermatrov

Nice one thanks gpf101

I will give them a bash, thats great

cheers


now to spend my hard earned cash on something I hope I dont need???

gpf101 wrote: »

Lads warranty direct are going in the UK for years and years. They are owned by BNP Paribas, far from a dodgey backstreet scam!

I have a warranty with them for about 2 years they have been covering Ireland for years. How it works is they authorise the claim and you pay the garage and claim back from them. It's reasonably hard to get payment but you do get it once you have a service history and go through the correct steps. This has all been discussed on here before.

dermatrov

You would think, but the reality is main dealers prices have dropped big time.

Last week I had to put a coil pack in the car in a saab garage. 2 hours labour came to €156 including Vat,(and included a bulb too) so most of that would have been covered.

Padraig Mor wrote: »

If they're paying £60 (~€70) per hour of the charges, you could well still be left with a big bill to pay yourself at an Irish main dealer charging €120/hr!

Also, you need to make 100% sure that "cover in the ROI" means what you think it does and NOT that UK policy holders are covered while visiting here.

dermatrov

Update:

I bought the warranty after my issues were clarified by the guy over there, here is his email:

---

From: Chris Fajer [mailto:ChrisF@warrantydirect.co.uk]
Sent: Thursday, February 10, 2011 02:50 PM
To:xxxxxxxxxxxxxxxxxx
Subject: RE: Secure 6xxxx

Hi Mr xxxxxxxxxxxxxxxxx

Just to confirm you following questions in regards to the policy:

ROI – cover

I can confirm that we will cover vehicles in the Republic of Ireland – although as you are aware we do not have any network garages you can use any VAT registered garage of your choice at the labour rate as agreed on your policy.

Wear + Tear

I can confirm that we cover all your covered items for both sudden failure and wear and tear (w+T from 91st day). Obviously we are not covering items such as pads tyres etc on the policy.

MOT + Service

One of the main highlights of the policy – if a covered item is failed at MOT or Service we will cover your claim on these parts.

Hope this clarifies everything for you –

Kind Regards

Chris






Chris Fajer
Title: Sales Mentor
Tel: 08007317001 Ext: 235
Fax: 0118 9719702
Email: ChrisF@warrantydirect.co.uk
Web: www.warrantydirect.co.uk



Sales Department Opening Hours: Mon-Fri: 8.30am-8.00pm, Sat: 9.00am-4.00pm
Claims Department Opening Hours: Mon-Fri: 8.30am-6.00pm, Sat: 9.00