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Thread: 3rd party warranties?

  1. #1
    Regular Member bigdave1701's Avatar
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    Default 3rd party warranties?

    Do 3rd party warranties cover things like head gaskets? If so, does the car need any sort of health check prior to the policy being purchased? I have a diagnostics session booked with a mobile mechanic in an hours time as I think the head gasket may be on its way out and it'd probably be cheaper to buy a warranty prior to the diagnostic session than to pay the repair bill after... IF I were to buy a warranty and then claim on it in a couple of days time would they assume it's some kind of scam and not pay out?

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    Regular Member Ziggy's Avatar
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    Theres normaly a cooling off period

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    Regular Member rockafella8587's Avatar
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    I have also looked into this however, in the small print it often states that you have to wait 3 months before you can make a claim!! Precisley to stop people taking them out on cars that need alot of work doing.

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    Regular Member clightowler's Avatar
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    Quote Originally Posted by s_zigmond View Post
    Theres normaly a cooling off period
    most run at least 28 days before you can claim, tho if car is still running and gasket has not gone yet who would know it was a pre-existing fault?

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    Regular Member bigdave1701's Avatar
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    bummer

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    Regular Member Barlow's Avatar
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    They'd just say it was wear and tear and not pay up. They do that with flywheels, so they sure as hell will do it with a gasket.

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    Quote Originally Posted by Barlow View Post
    They'd just say it was wear and tear and not pay up. They do that with flywheels, so they sure as hell will do it with a gasket.
    Head gasket shouldnt be a wear and tear item. Supposed to last the life of your vehicle.

    Flywheels (shouldnt) will wear out eventually on a manual (not sure on an auto)

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    Regular Member clightowler's Avatar
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    Vehicle : Vectra

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    Quote Originally Posted by Barlow View Post
    They'd just say it was wear and tear and not pay up. They do that with flywheels, so they sure as hell will do it with a gasket.
    Have got to admit this wear and tear bit needs banning, with the exception of service items, after all everything is prone to wear and tear even the sun visor!! premiums are supposed to be based on the likelyhood of a fault occurring and as such are higher on older high mileage cars than on newer low mileage ones, so the companies are already covering the wear and tear in the premium.

    May have this issue myself and may even make formal complaint about use of wear and tear clause with this very justification!

  9. #9
    Regular Member Barlow's Avatar
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    Vehicle : Nissan 350Z GT


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    Quote Originally Posted by Vetox View Post
    Head gasket shouldnt be a wear and tear item. Supposed to last the life of your vehicle.

    Flywheels (shouldnt) will wear out eventually on a manual (not sure on an auto)
    A gasket is designed to fail to protect other componenets, in this case, the engine, so technically it is a wear and tear item.
    A flywheel rarely fails, a traditional flywheel that is. They're not even designed to fail. As the manufacturers do not admit that DMF's are a problem then the insurance company shouldn't be allowed to wriggle out of a claim with 'wear & tear'.
    As clightowler say's everything is subject to wear and tear, the law of entropy applies to everything in the universe. By their reasoning EVERYTHING fails from wear and tear, even a piston shooting through your block.

    Quote Originally Posted by clightowler View Post
    Have got to admit this wear and tear bit needs banning, with the exception of service items, after all everything is prone to wear and tear even the sun visor!! premiums are supposed to be based on the likelyhood of a fault occurring and as such are higher on older high mileage cars than on newer low mileage ones, so the companies are already covering the wear and tear in the premium.

    May have this issue myself and may even make formal complaint about use of wear and tear clause with this very justification!
    I agree. I'm appealing to RAC Warranties now actually, I'm not letting them off the hook so easy.

  10. #10
    Regular Member clightowler's Avatar
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    Vehicle : Vectra

    Trim : SRI hatch

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    Year : 2006

    Mileage : 110000

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    Quote Originally Posted by Barlow View Post
    A gasket is designed to fail to protect other componenets, in this case, the engine, so technically it is a wear and tear item.
    A flywheel rarely fails, a traditional flywheel that is. They're not even designed to fail. As the manufacturers do not admit that DMF's are a problem then the insurance company shouldn't be allowed to wriggle out of a claim with 'wear & tear'.
    As clightowler say's everything is subject to wear and tear, the law of entropy applies to everything in the universe. By their reasoning EVERYTHING fails from wear and tear, even a piston shooting through your block.



    I agree. I'm appealing to RAC Warranties now actually, I'm not letting them off the hook so easy.
    anyone know what usual reply is regarding Swirl valves on 1.9cdti, do they usually pay out? the link bar has come off now so needs doing

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