Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - drock

Hi all,

I'm planning to buy a Nissan primera 2003 from a independent dealer who is like 60 miles away. He told me he's giving a 6 months warranty provided by "WMS".. I did read some bad reviews about WMS that they blame most claims against wear and tear and refuse to cover.... so it's kind of like not having a warranty !

The problem is, I don't get much good cars in my area, so I probably would have to end up buying a car from 50-60 miles away. That's why I originally thought it's better to get an "insurance warranty" because the "dealer warranty" would be less effective or non-existent if I'm far away from him. But now I'm confused whether the insurance warranties really work ?

(a) Should I look for a car with independent DEALER warranty, closer or near ? If they are 50 miles away, will they cover me when I have a breakdown within their 3 months's warranty period?

(b) Should I buy that Nissan and cut some price off by NOT opting for the WMS warranty and then take a warranty myself from Warranty direct, or Warranty wise or RAC or AA ? WD has better clauses and better reviews than WMS but expensive. Which company is better than the others ? .... And also, how do they decide whether a fault is pre-existed (in my case it's a dealer's car, so I wouldn't know really)

Thanks in advance.

Edited by drock on 28/11/2010 at 10:56

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - oldroverboy

Before you buy, first check is it an import! then How much are you paying? The dealer has to cover you for six montha anyway, see Honest Johns q&a on this. If you are paying more than £2000-2500 it is too much, and check the value on webuyanycar or suchlike which will give you a realistic idea of what the car is worth. check the service history if it is poor on this car walk away. You'll find lots of info on the forums but Please, don't be intimidated by the dealer. PS you can also ask Trading Standards if this dealer has had past problems! If all this sounds pessimistic, Personally, even with lots of experience in the motor trade (not on sales) i have come unstuck, just do yur best to stack the odds in your favour, If you have a friend who is mechanic take him with you.

I checked for my last car via honest john first, and was told good buy for it's price. (£6745 for 1 yr old chevrolet epica turbo diesel) It's great!

Happy hunting

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - drock

Well it's not an import and I have done an HPI check on that .. it's legit.

The car has full service history and pretty alright on paper ... I'm paying around £2000 for it - but until now I was considering a "value" of the 6 months WMS warranty, which I've now realized is pretty much nil, - may be I can get it at £1900 without the WMS warranty, but then he should cover me for the sales of goods act thing..

The price is matching whatcar, parkers and wisebuyers valuation for private party.. it's actually around £200 less

The dealer is pretty small, doesn't have a lot of cars - and operates from home and a mobile phone - but has an autotrader website :)

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - drock

BTW - webuyanycar valuates the car £1080 .. I'm paying to the dealer £1900 or so .. guess that's a fair balance ?

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - LucyBC

Most warranties given away by dealers with second hand cars are pretty useless. They are usually "insured" as to a fashion but the sums available are usually not enough to fix anything serious.

The Sale of Goods Act does afford you some protection for six months - not as much as Consumer Direct will tell you it does - but if a fault develops with the car for six months the presumption is it was present when you bought it - and the delaer has to prove otherwise. If the dealer warns you of a possible fault and this is reflected in the price then you may well lose this protection.

My inclination would be to go for a "proper" warranty either from Warranty Direct or Warranty Wise - both of which seem to offer more cover and a better deal than the other two you mention.

But how much you can negotiate off the price by not taking the one offered by the dealer may be marginal as they probably are not paying much for it in the first place.

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - drock

Few dealers, who are 60 miles away from my place, told me that they will give a "personal" warranty coverage for 3 months 30,000 miles.

Now, how does these personal dealer warranties really work ? When there's a problem, does the dealer absorb the cost of repair in his books ? Or does he claim to his insurance company for the claim ? If the latter, then there's no difference from a car that comes with a "dealer warranty" or any "insurance backed warranty".

And even if the dealer is good, the question really is, whether it's practical to expect he will be as effective to fix my car when I am 60 mils away ! .. And it doesn't make sense to tow a car to his place to get it fixed as that cost almost equal amount of money I would have paid to Waranty direct or so ?

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - LucyBC

Some warranties are insured, some are insurance backed, some are third-party administered, some are dealer administered and some are merely verbal.

I could write 5000 words and not cover every warranty scenario nor even properly answer your question.

You are proposing to buy a car that will cost you less than £2000 and is seven years old. Vehicles such as this are going to be expensive to insure with a "proper" warranty as they cost just as much to repair as newer cars and are much more likely to break down.

So make sure the car you buy has genuine mileage and a good (preferably full - and better-still full-dealer) service history and take any warranty you can get free of charge from the selling trader. Do not buy any additional cover.

If you are unfortunate and it goes seriously wrong and it is not economic to repair you take the money you have saved by not buying a "proper" warranty and scrap it and buy another.

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - Collos25

Excellent advice.

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - danidge

You may already have purchased so my comments may be too late. Basically always be wary of "a full service history" or "main dealer history" etc as the terms are almost meaningless.

I have family members who book their cars in for a service. Naivety comes to mind because they:

Do not itemise or request what work is to be done

Do not know what work has been undertaken

Do not check the standard of the work

Do not specify what standard of parts, oil, etc to be used.

However they come away with piece of mind , happy , knowing their car has been serviced!

The moral is to scrutinise everything with a secondhand car including any service records

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - LucyBC

You may already have purchased so my comments may be too late. Basically always be wary of "a full service history" or "main dealer history" etc as the terms are almost meaningless.

Not true.

A full service history means that the services have been carried out to the manufacturers recommended standards with the work specified, at the set intervals with no misses. A main dealer completed full service history means that it was carried out by a main dealer to the manufacturers recommended standards with the work specified, at the set intervals with no misses.

In both cases the work undertaken, the parts, oil etc and the standard of the work should be to that specified by the manufacturer.

Thus the terms are not meaningless as if the history is not completed up to the above standards (or has been faked) the vehicle would not be "as described" and there would be a valid claim under the Sale of Goods Act.

Similarly if the servicing has been carried out in accordance with the requirements and goes wrong there is likely to be a successful claim on any warranty. If it has not, then there is not likely to be a successful claim on any warranty.

Edited by LucyBC on 03/12/2010 at 10:44

Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - danidge
Excellent reply Lucy, but I am referring to the real world where it really is a case of buyer beware. Over the years I have encountered scams galore-could write a book on it! I cannot over emphasise go through every dealer service history etc with a fine toothcomb. Do not believe everything you read, check up, ask questions, pin people down, undertake due diligence! Then when things go wrong you will not feel a fool- a genuine attempt has been undertaken to stack the odds in your favour.
Nissan Primera IV - "Dealer" warranty or "Insurance" warranty ? - ubuntooler

A little old but just thought I would add that the paperwork may be correct in saying a dealer's service history but they aren't always good dealers.

Many years ago, when I was much younger and naive a Rover dealer (by Soho, London) service the 216 I had. Upon arriving home I noticed the oil (level and viscosity) was the same as before the service! Still got charged for oil but they were a poor garage with poor staff. Then with Renault not long ago the oil noted in the service manual states various ones used: 10/40, 5/30 where 5/40 is the recommended oil! Got the stamp but what does that tell you about the supposed competency of the 'experts'? Most people don't know what oil type is needed but expect it will be done properly by a dealer. Funnily enough (may be a coincidence) but after a two year minor service (10/40 oil used) the car came out and a whistling noise was noticed immediately. They said it should ease off but didn't. Another dealer checked and the flaming Turbo was faulty. Went to the garage fine came out with a faulty turbo. Strange how that first garage shut down not long after. Perhaps no where to tie the horses?

Thought I would share that