Aninswed, i'm sorry if you haven't got a satisfactory response to an aftermarket insurance based warranty claim, but to be honest most of us would have been more surprised if you had.

However as we've now found out its the 1.6HDI, i urge you to search hard here about this engine, you'll find a thread of some 300 odd posts about turbo failures in Focus's fitted with this engine alone.

Unless the preventative measures required to complete this job have been carried out, and you'll know if they have because the bill will be staggering, it might be worth thinking about continued ownership of the vehicle.

If the link works this is an extreme case due to stupid service intervals, grim viewing,media.wix.com/ugd/bff3d2_1307f92d7da342d4955dc4c73...f

Edited by gordonbennet on 11/10/2015 at 14:12

I suspect if this car is fitted with the ill-fated 1.6 tdci engine as fitted to many Ford/peugeot/citroen models,the warranty company are going to wiggle like mad to prevent a pay out for the turbo.

We had a C-Max fitted with this so called "engine of doom" for 5 years. Never had an issue with it but it was correctly serviced with the correct oils, filters etc.

The chap who bought it has had it for 5 years now and still no issues. he is a mechanic by trade which could mean he looks after it meticulously or alternatively never touches it.

It is inevitable this engine suffers failures since they are fitted to many makes/models in huge numbers, the law of averages say that will lead to failures. Don't have the figures but I would suspect the failure rate %age is no higher than a similar engine produced in smaller number.

Reading between the lines, it would appear that the problem lies with the servicing before the OP acquired the vehicle for which he only has the stamps in the service book, with no receipts. Is the insurance ombudsman a possible route here if WW is refusing to pay up despite their conditions having been met?

Skidpan - All servicing carried out within schedules - 12500 miles or 24 months.

I emailed them 8 days ago, but have not received a reply. The turbo has been replaced at a cost of nearly £1300 plus £450 for car hire. Courtesy car is covered by the warranty up to £500.

It's looking like the small claims court now.

I'm very sorry but I can't understand why people are still taking out these after-market used car warranties.

Their conditions are so full of get-out clauses they aren't worth the paper they're printed on.

I agree, especially given the annual cost - so much better just to buy a car from a make that is renowned for reliability and long-lasting cars with a full main dealer service history. Someone buys a car likely to develop faults, then pays up front to cover some of the cost of repairs an then wonders why many are not covered?

Its like when I took out my first mortgage and was offered all those silly income protection insurances if you become ill and/or lose your job - I said 'no' to them all and just saved the money I would've spent in a savings account.

C4 Picasso on Citroen website is 12,500/12 months for this engine. I can't see the Grand version listed (is it any different?) but is the OP 100% certain that his particular variant allows up to 24 months?