Warranty Direct

[DrB]

I've owned this car for 6 years and done 90 000 miles, but I didn't buy the car for under £15000...try £43000!

[bakustax]

I've owned this car for 6 years and done 90 000 miles, but I didn't buy the car for under £15000...try £43000!

I think you're one of the poor dudes I was on about

[bilko1]

Any warrenty company is going to wriggle on an 8 year old car with known gearbox and suspension problems.
I,m absolutley amazed that so many on here have warrenties and then get anoyed when the company argue the claim.
I've said it before and will say it again...It's a £60K car that most of us bought sub £15K...even if the box needs a complete overhall and the Suspension needs replacing with Coil-overs...we all got a bargain and the dude that had it before you took a very big hit on depreciation.
No warrenty and a slush fund is the way to go on these bad boys.

My sentiments exactly especially after dealing with WD and getting messed about from day 1.

[cfcdoc]

If youre going to go down the warranty route, its got to be manufacturers

[bam_bam]

Any warrenty company is going to wriggle on an 8 year old car with known gearbox and suspension problems.
I,m absolutley amazed that so many on here have warrenties and then get anoyed when the company argue the claim.
I've said it before and will say it again...It's a £60K car that most of us bought sub £15K...even if the box needs a complete overhall and the Suspension needs replacing with Coil-overs...we all got a bargain and the dude that had it before you took a very big hit on depreciation.
No warrenty and a slush fund is the way to go on these bad boys.

What has the amount you paid for the car got to do with the price of fish in China? So, let me get this straight, you think we've got zero right to be annoyed? When we ask all the correct questions and the warranty co. says, " yes, we cover that" - however, come claim time they wriggle out of it. What have we done wrong? Please explain for the benefit of the group, I think most of us will be very interested in your opinion.
The main problem with these warranty co's is there's no service level agreement, there's not a lot you can do until they make a decision and more often than not, they work to a timeline equivalent of human evolution. I hate them and while I agree with you about a slush fund versus warranty co, it doesn't excuse these rip off merchants and the way they advertise their wares.

[bakustax]

Maybe I should have said "are surprised" instead of "get annoyed"...I agree that you have every right to get annoyed...but...should really not be surprised.
Like all insurance products the only time you ever find out their worth is when something goes wrong.
AMAR and the Doc were whipping themselves into a bit of a frenzy about a warranty that appeared to be offering 3 years cover on the 6 for around £1,500 one off payment......Come on.....How the fu*k does that stack up...On a Toyota Yaris yes but on one of our cars no way.
When you get into ownership at the 6-8 year mark I think we all know deep down that there are going to be some components that are coming to the end of their life...To think that these Insurance/Warranty boys do not...is either naive or plain daft.
These companies are businesses not charities and conduct themselves as such...If they can get out of a claim you can bet your pension on them moving heaven and earth to find a reason not to stump up.....Well that's my opinion on it...I am a cynical c*nt so maybe I'm well off the mark?

[RichRS6]

I have used WD and have just re-newed with them.

IMO they're as good or bad as any insurance company but I've never had to deal with them for a really large claim.

My main reason for continuing with them is if the Gearbox or engine goes pop they will (in theory) be paying.

I have had several claims Two of which were more than my yearly premium.

One was the DRC (which took a bit of work to get them to sort) and the other was a leaking intercooler, they have also paid for Two Front W/Bearings.

If I added up what I've paid and what the policy has paid out I would be out of pocket but not by a lot and I still (hopefully) have some peace of mind in the event of the worst happening.

I know others have had bad experiences with them but mostly relating to Gearbox claims which due to the large sums involved they will be a lot less likely to just pay out for without making sure there are no contributing factors.

[bam_bam]

Maybe I should have said "are surprised" instead of "get annoyed"...I agree that you have every right to get annoyed...but...should really not be surprised.
Like all insurance products the only time you ever find out their worth is when something goes wrong.
AMAR and the Doc were whipping themselves into a bit of a frenzy about a warranty that appeared to be offering 3 years cover on the 6 for around £1,500 one off payment......Come on.....How the fu*k does that stack up...On a Toyota Yaris yes but on one of our cars no way.
When you get into ownership at the 6-8 year mark I think we all know deep down that there are going to be some components that are coming to the end of their life...To think that these Insurance/Warranty boys do not...is either naive or plain daft.
These companies are businesses not charities and conduct themselves as such...If they can get out of a claim you can bet your pension on them moving heaven and earth to find a reason not to stump up.....Well that's my opinion on it...I am a cynical c*nt so maybe I'm well off the mark?

Nup, you're not off the mark. I'm a cynical c*nt too... although I'm more of the later than the former, but still. I just think their selling should be more honest or at least regulated to what they sell, example: a lot of them cover "wear and tear" and you can pay an extra policy to make zero contributions to failed parts, which, in keeping with your thinking, does not add up. Come claim time, "no, sorry sir, the wording in our policy unclearly states in the most ambiguous way possible, that that item cannot be covered when the moon is in ascension over Capricorn and your brother has only one testicle". Now that's not what they sold you on AND that gets me angry, I want what I was sold, I'm not expecting something that's not possible or even unfair, but if I'm promised something in plain Engrish, I don't want it taken away from me in the most convoluted, underhanded, time-consuming and complicated way possible, that's a true insult. I.E. don’t take your clothes off and then say you’re not going to <beep> me.
It’s like we're not customers, we're an annoyance, and we’re a piece of <beep>. Did I take 8 weeks to pay for the agreed policy? Have they ever once given me a yardstick of acceptable service? Have they once called me to offer an update? Would my car still be sitting there if I'd not spent more than 3 hours of my time over last month chasing them? No. No. No. Yes - are the answers.
No I'm not surprised that they'll try to wriggle out of it, I'm just surprised that they’re allowed to sell these policies in the way that they do and they have zero quantifiable service level.

[Golfather]

Audi Warranty.

Nuff said

[paul14]

This is an example of something in my view that should actually be controlled or run by the government.
So that policies could be standardized and everyone knew exactly what was or was not covered.
Applies to all insurance policies I guess.
Then the customer / consumer would understand and get exactly what they paid for when making a claim!
Free market approach just does not work for insurance in my view.

[bilko1]

This is an example of something in my view that should actually be controlled or run by the government.
So that policies could be standardized and everyone knew exactly what was or was not covered.
Applies to all insurance policies I guess.
Then the customer / consumer would understand and get exactly what they paid for when making a claim!
Free market approach just does not work for insurance in my view.

I might be talking out my arse but the government do control insurance companies via the FSA.
http://www.fsa.gov.uk/

[monoi]

This is an example of something in my view that should actually be controlled or run by the government.
So that policies could be standardized and everyone knew exactly what was or was not covered.
Applies to all insurance policies I guess.
Then the customer / consumer would understand and get exactly what they paid for when making a claim!
Free market approach just does not work for insurance in my view.

Its getting a bit OTT, but the government running something does not mean better run, quite the contrary as a rule. See the mess the country is in as an example.

As it is, the free market provides you with several options, including the having no insurance option. I also fail to see how it could be standardised: what works for you does not necessarily work for another.

That said, if you believe you are right and the insurance is wrong, there is such a thing as a small claims court. Cheap, easy and fairly efficient (considering its government run ).

[Mr V10]

Bautaux - That warranty me and the doc were getting excited about paid for.

2x New turbos £6k?
A Brand new gearbox £6k?
2x New Heads £5k?

and a lot more on Mooch's RS 6 without a quibble.

All for what works out at £533 a year and it comes with free roadside/homestart. How the heck ain't that a good deal? I'd be crazy NOT to go for it. I wouldn't bother with a frickin Yaris, new engine for £150.00 and Jap reliability!

[bakustax]

I think the lines are getting a bit blured here....we are talking about a warranty here not car insurance.
We all must have insurance to drive on UK roads...Warranties on the otherhand are a choice.
I think there are rules that govern Insurance companies but would be amazed if such rules are applied to Warranties and the companies that provide them.
Buying after market warranties when the manufacturers warranty has expired is a relatively new concept...In the good old days once the manufactures warranty had expired it was "buyer beware".
The Second hand car market is a minefield and to that end there will be few unscrupulous companies trading on peoples anxieties.
The warrenty which AMAR spoke about at £1500 for 36 months cover looks to be far to cheap to even consider, if it was £1,500 for a year then yes it is probably going to have some credibility and would probably be worth an investigation.
None of us want a £5000 bill for a new box and some seem to think that the warranty company will cough up no question...think about it..It ain't going to happen..these companies would not survive if this was the case.
The C5 is getting long in the tooth now and there will be a history of pay outs to Mooch and others that will total some pretty big numbers.
These guys will be well aware by now that the 6 has problems with the gearbox and It's not a cheap fix....a quick search on here will testify to that.
Enjoy the car and start a slush fund would be my advice

[bakustax]

Bautaux - That warranty me and the doc were getting excited about paid for.

2x New turbos £6k?
A Brand new gearbox £6k?
2x New Heads £5k?

and a lot more on Mooch's RS 6 without a quibble.

All for what works out at £533 a year and it comes with free roadside/homestart. How the heck ain't that a good deal? I'd be crazy NOT to go for it. I wouldn't bother with a frickin Yaris, new engine for £150.00 and Jap reliability!

Oops we must of posted at the same time....Up to you AMAR...I'm not trying to be a smart c*nt...just a realistic one...I think I covered the Mooch pay out in my post...