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MBI Autoguard  
MBI Autoguard - chrisbell78

Hi Everyone,

Has anybody had any experiences (good or bad) with MBI Autoguard. I've just bought a fairly recent Mondeo and I am researching aftermarket warranties. They come in significantly cheaper than warranty direct at £289/year or £389 lifetime and seem to promise a lot (with notable exceptions of clutch and I guess DMF with it due to anything other than a nuclear meltdown, plus bodywork, entire exhaust, airbags and a few others) but the only user experiences I can find on the internet relate to a fairly refused claim where a dealer was actually liable. Can anybody shed some light on them...?

Edited by chrisbell78 on 07/07/2011 at 08:34

Tags: technical issues legal and consumer advice warranties dealers

MBI Autoguard - ddr

Never heard them, but if they have a clause in their warranty that says 'except wear and tear', then it's not worth the paper it's written on.

Usually they are also very careful to exclude the most common failure items.

DMF - not covered

Clutch - certainly not covered

Fuel system/injectors - probably not covered, or will not pay out on a claim because of the wear and tear clause

Wheel bearings, suspension rubber components - not covered

Not a lot else that's likely to go wrong on a mondeo in an expensive way, is there?

I'd put the money in the bank instead...

MBI Autoguard - bonzo dog

Never heard them .............DMF - not covered.......Clutch - certainly not covered ....Wheel bearings, suspension rubber components - not covered

I'm at a bit of a loss; if you have never heard of them how do you know these are not covered?

You don't - you are lying!

MBI Autoguard - madf

I have read the Policy - very quickly.. the more expensive one.. (Premium)

Quote:

"

Mechanical Breakdown

Shall mean internal failure which is hereby defined

as the actual and sudden mechanical failure or

breakdown of an item listed under the ‘What is

Covered’ section which results in the sudden

stoppage of its normal functions and which

necessitates repair or replacement to resume

those functions. Failure or breakdown, which

ultimately results from wear and tear is excluded

from the scope of cover afforded by this policy"

And EXCLUSIONS:

• Gradual deterioration of performance of a

component in line with the age and mileage of

the vehicle will be classed as “wear and tear”

and excluded from the policy.

• All bodywork and trim, seat belts, glass, sunroof

panels, fuel tank, wheels and tyres. Air bags or

disposal of air bags.

• Minor fluid leaks, odours, external oil leaks,

worn or perished seals.

• Consumable items such as, but not exclusively

limited to light bulbs, drive belts, wiper blades,

brake linings, brake discs, cylinders, cables, glow

plugs and key fobs.

• Blocked, porous or seized components –

including but not exclusively EGR valves, worn

or split hoses or pipes and brake callipers.

• Clearing or cleaning of fuel lines or components,

contamination of fuel system either by incorrect

fuelling or water ingress. Damage caused to any

component by water ingress.

• Clutch components, unless mechanically failed.

• Electrical connections, wiring looms and batteries.

• Exhaust system, including but not limited to

manifolds, mufflers, brackets and mountings.

Including de-pollution or diesel particulate

filters and systems.

• Cylinder block liners for vehicles over 3000 cc.

A con...and judging by the above, an electrical failure of any sort - eg ECU - which is not "sudden" is not covered.. So if your wiring disintegartes .. then tough.

If your ECU fails. Tough.

If any elctrical item fails, that's wear and tear. Tough.

You are better giving the money to charity...rather than a company whose clear aim is to spend nothing and avoid all claims...

Edited by madf on 07/07/2011 at 16:30

MBI Autoguard - bonzo dog

I have read the Policy - very quickly

Very quickly - clearly.

If your ECU fails. Tough

Where does it say the ECU is not covered - it doesn't

Actual

is refering to a part which has actually failed as opposed to possibly having failed. It is common for repairer to replace parts on a "trial & error" basis if they are unable to correcty identify the cause of the problem - see www.honestjohn.co.uk/forum/post/index.htm?t=91871#...8

Sudden

refers to it not simply wearing (out) & that the problem was not pre-existing

Not that I expect to convince anyone who has not benefited from a warranty claim but c'est la vie

MBI Autoguard - unthrottled

Not that I expect to convince anyone who has not benefited from a warranty claim but c'est la vie

Bet there aren't many people who have benefitted from a warranty claim. Most mechanical failures can be attributed to wear and tear-or at least you can't prove otherwise.

Put the equivalent of the monthly premiums in a piggy bank and pay for any repairs out of that. Borrow off parents if you have to, but don't give a penny of your cash to Quentin Wilson or his chums!

Edited by unthrottled on 07/07/2011 at 19:10

MBI Autoguard - bonzo dog

Bet there aren't many people who have benefitted from a warranty claim

Hundreds of thousands

Most mechanical failures can be attributed to wear and tear

I would agree with you, over the whole life of a vehicle. That doesn't mean (as I guess you're implying?) that plenty of non-wear & tear failure do not occur. And in the vehicle's early life (say 7 years and / or 80,000 miles) most failures will not be wear & tear.

Look, if anyone is contemplating buying a warranty on a car over 10 years old, yes I would say save your money as the likelihood is that most failures could be attributed to w&t but in it's early life the failure (apart from clutches & brakes) will almost certainly NOT be due to w&t. The criterea should be what parts are actually covered, what is the claim limit & what is the price.

No, there is clearly no point in paying £500 for a warranty with a £100 claim limit which covers only the engine, but if your Audi turbo packs up costing few £thousand, & this is paid for, I guess you will be smiling.

Edited by bonzo dog on 07/07/2011 at 20:04

MBI Autoguard - unthrottled

but if your Audi turbo packs up costing few £thousand,

I wouldn't pay more than a few hundred pounds for a refurbished Borg Warner or Garrett wastegated or even a VNT turbo. If you pay a few grand for a component with essentially one moving part-you've been diddled.

MBI Autoguard - concrete

I took HJ's advice and went with Warranty Direct. If price is the only criteria then you may come unstuck. I really believe if you look properly you should get what you pay for.I have had one claim with WD, went through as per contract. Only one glitch with some plonker in admin, but eventually sorted. I travel a fair bit and WD gives me peace of mind along with Green Flag recovery. There is an old saying 'You buy cheap, you buy twice'. It may be prudent to read very carefully the paperwork from WD and MBI and compare clauses. Best of luck. Let us know how you get on. Concrete.

MBI Autoguard - Collos25

You must be a salesman dream if you think WD is good value.

MBI Autoguard - Problem_Polo :-/

That's one hell of a list up there of things that aren't covered, eek..!! Electrics, exhaust, brakes suspension and wheels, the bodyshell and by the sounds of it half of the oily bits - what's left?!

When I bought a ten year old motor from the trade the dealer did his best to flog me an AA warranty with it; needless to say I didn't even need to read the propaganda to know it would be a total waste of time - who in their right mind would offer a genuine warranty on a car that age?! I see those ads with Quentin Willson and to be honest I think he's sold himself out. If you want real peace of mind then I guess you need to go buy a Hyundai with it's 50 year warranty, or look at whatever it is that Vauxhall and Bill Nighy are chattering on about at the moment. But if older motors are your forte, you've already saved yourself some cash buying mid-life; buy sensible and look after it and hope for the best!

I'd much rather take my chances with a solid car than have false reassurance from a pricey but worthless bit of paper!

Edited by Problem_Polo :-/ on 08/07/2011 at 00:37

MBI Autoguard - RT

If you want warranty, either buy new or buy within the original warranty, simples!

The whole point about older used cars is that they're much cheaper than new BECAUSE they are more likely to breakdown - all the parts that are more likely to fail are more likely to be excluded from any warranty.

MBI Autoguard - boggie

Our experience is BAD.

We are supposedly covered by Autoguard Warranties and recently needed them after the engine died. However, apart from all the exclusions in their small print, even when the item is covered they have a clause that absolves them of the majority of any claim. They will only pay for the original part that fails and do not cover ANY consequential damage. EG, a conrod bolt fails, letting go of the piston which smashes into the head and results in a complete engine writeoff costing thousands to replace. Autoguard will pay for the bolt. In our case a gasket failed on our journey home causing damage to the engine and a bill of £1500. Autoguard have agreed to pay for the gasket (although they have not done so yet).

In my opinion they are next to worthless. I have had warranties in the past, some good, some bad but none so bad as Autoguard. Our mechanic, who dealt with them direct over the claim, said that Autoguard were the worst he had ever dealt with. They would not accept his explanation for the engine failure and he spent a lot of time on the phone fighting to get anything at all from them. Even when they finally agreed to pay for just the gasket they only paid half the labour for fitting it becuase they did not believe his estimate, despite his 35 years experience. We ended up paying almost all of the repair and we are still waiting to even get the agreed gasket cost! My advice would be to avoid this company.

MBI Autoguard - bonzo dog

Hi Boggie, sorry to hear of your breakdown & subsequent issues with Autoguard. A few points, if I may:

  1. I'm pretty sure (but it doesn't state clearly) that consequential damage to a covered item WILL be paid for.
  2. Damage to a non-covered part would not be
  3. Neither would they pay for your financial losses in respect of say taxi fares whilst the car was of the road etc
  4. If the (head?) gasket has failed damaging the engine, what reason have they given for rejecting he repairs to the engine - they must give one, by law
  5. As regards to the repair time, most warranty companies will pay ICME time; how much over this was your repairer asking?

Please tell us know how you get on & good luck

PS ..... it wasn't a K Series engine, was it?

MBI Autoguard - DesGruntled

I completely agree; my son bought a 55 reg Focus, and was offered a 'life-time' (ie the duration of his ownership) MBI Warranty by the garage for £300.00, valid as long as he kept up the service book with a VAT registered garage. We honestly would have been better off putting the money in the bank (even at today's interest rates) - nothing seems to be covered - if it has a seal, washer or gasket they have a get-out clause, and they use the 'grey-area/cover-all' term 'wear and tear' which renders the warranty completely worthless, because the interpretation of this term will be down to them.

When we thought the power-steering pump had failed we were told the seal would have gone first and so it wasn't covered. On closer inspection, it was found the pressure pipe to the pump had snapped (NOT worn) and the garage said that should definitely be covered, so they rang MBI Autoguard for us..... alas, no; pipes are not covered either. Their policy book would be a lot shorter if they just told you what is actually covered. The answer? Not a lot. And that equates to £300.00 thrown to the wind. I'd prefer to have given it to a Big Issue seller (seriously).

Their interpretation borders on the criminally fraudulent and it really is time the government looked into this industry; the garage told me that not only do they rarely have any success with any warranty claim, but also the warranty company will haggle down their hourly charge. This leads to many garages refusing to deal with warranty claims at all, so that is an added inconvenience for the warranty holder. My advice is to certainly not waste your time and money with MBI Autoguard; the only winners are them and the garage that sells you the policy.

A very frustrating situation that leaves you feeling used, stupid and mugged, and the most annoying fact of all? It's legal..... as if the motorist doesn't already pay enough. Avoid MBI Autoguard.

Edited by DesGruntled on 04/06/2013 at 10:29

MBI Autoguard - balleballe

Around a year ago I was researching aftermarket warranties too.

From feedback the best was by far the AA's

I decided against it totally though and just bought a Jap car instead

MBI Autoguard - TeeCee

From feedback the best was by far the AA's

If memory serves, there's another fairly recent, longish thread around these parts which suggests that their contracts are heavily peppered with weasel words that enable them to avoid a payout.

If they are by far the best, I guess that doesn't reflect well on the others.

Let's look at what these sharks actually do. They charge you n quid to warrant your car for a period. In order to make a profit they need to ensure that during that period they pay less than n quid. So far, so simple.

Now look at the premium and work out how many major faults (e.g. turbo, ECU, head gasket, gearbox) can be rectified for that. The answer is of course, none. Thus, if anything major does go wrong, their primary concern is not to fix your car but to work out how to avoid fixing it, or at least do the bare minimum required as cheaply as possible to get it going if they're finally forced to shell out.

What do you really want? You want your car fixed quickly and properly if it goes wrong. As that's the diametrically opposing position to that of a warranty company......

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