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...?
Where does it say the ECU is not covered - it doesn't
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
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
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.
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.
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.
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!
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.
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.
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.
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......
My opinion and advice, if a car has an Autoguard warranty, treat it as though it has no warranty at all. The company does everything it can to avoid paying up, A six month top of the range warranty that does not cover just about everything, either mechanically or electrically is like a phone call warranty.... Not worth anything !