I will explain how warranties work (as opposed to how the warranty company/car salesman will sell it to you). Anyone who has tried to claim on a warrenty will support this.
1) you purchase a ‘bumper to bumper’ top class product which the sales person tells you ‘basically covers anything other than wear and tear items such as tyres and Windows’.
2). You have an issue and the company will need to see your service history. Every stamp will need to be present. Then every stamp will need to be within 1month/1,000miles of when required or else the claim will be denied as vehicle was not serviced as required. Also every stamp will be followed up to ensure it was a major/minor when required.
Any, and I mean ANY deviation from this since the day the car was made and you have no warrenty.
3). It’s a warranty and not a fit to buy type product. Therefore consumables and ‘normal west and tear’ are not covered. Accordingly your clutch can fail 3 days later, or brake pads, or rotors and you won’t get them replaced. As an Engineer it’s right to take that approach. It’s a friction lining and it is not the warranty companies fault you bought a lemon.
4). You will find your definition of ‘west and tear’ and the warranty companies differs. ‘West and tear’ is actually all friction linings, all bushes, all bearings, all journals etc etc etc. So now things like shell bearings which prematurely west are no longer an engine failure, they are routine west and tear.
5). Upon having anything expensive go wrong the company will demand an ‘independant’ inspection. This ‘independent’ inspection will be by one of their companies. And supprise ‘oil low level’, or ‘starvation’ by owner will be at fault, or maintenance/inspection not carried out, or Blah Blah Blah...
6). There will be limits on payouts. For example £1,000 and your bill will be £1,100 hence it will not be covered period.
Now if you were looking at a £3,000 to £3,500 car then it’s a difficult conversation. But £30,000 you are crazy to boot buy selekt. Volvo are the supplying dealer and Volvo undertake warrenty work. There is no third party and no one to ‘pass the buck’. Drive the car of the forcort and have a 9k engine problem and Volvo will apologise and fix it.
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