The AA breakdown warranty is a good product that I have claimed on before. It even paid out on a battery which would normally be considered by most to be a consumable.

For a full vehicle warranty I would always use the recommended supplier on this website. I have no problems with claiming on this in the past, although they have been a bit tardy in settling up with the garage. With this policy you get the option to select which labour rate you want to have covered and pay a commensurate premium. The fair wear and tear (betterment) terms are also clearly defined relative to mileage.

Warranty policies need careful reading but basically you get what you pay for.

Sorry to hear of your problem but at least you have recourse to the dealer. Presumably they could make a claim on the policy if they wanted.

About the only warranties worth having are those supplied by the manufacturer, especially with used cars, an 'approved used' makers car warranty is usually as bomb proof as the original new one...subject to the car being maintained properly...family's 320d turbo went at 45k whilst under approved used warranty and repaired promptly with no quibble....most unusual for a BMW turbo to fail of course...:-)

I wouldn't pay for an aftermarket warranty from an insurance provider, expensive bog roll.

I had a similar experience about ten years ago with an extended warranty. In my case, it was pretty obvious that the warranty company were just trying to wriggle out, and there was no point in carrying on with the dialog.

I ended up going to (I think) the insurance ombudsman who ruled in my favour. I had to exhaust the warranty company's complaints procedure first, but once I'd done that the ombudsman ruling was fairly quick. I think it took me about six months overall.

I remember at the time wondering if this was their modus operandi: try to wriggle out of every claim, and only pay up when forced to do so.

They refused to pay out because the components specifically weren't listed, even though they form part of the overall things they cover

I can't say whether you are correct or incorrect without seeing the parts that are covered together with the list of parts deemed by the BMW dealership that require replacing, but asuming you are correct:

1. your contract with regards to the warranty is with the retailer NOT AA Warranty, they are simply the administrators
2. so whilst the retailer may insist you deal with AA Warranty, this, together with Sale Of Goods Act means your best avenue for redress is to tell the retailer it is up to them to fix the problem & if they want AA Warranty to pay for the job then it is up to them to arrange this with AA Warranty.
3. Use the written estimates from the BMW dealership to demonstrate why the parts are covered, NOT some internet diagram
4. As regards to the labour costs, I would have expected this to have been in writing in the warranty book, is it not? If not then it is not part of the contract

Good luck

Keep us posted ? as I too have AA warranty on my wifes car, & was sceptical before I took it out.

Any warrantly is just a contract of insurance is it not? They will have grievance procedures outlined, Ombudsmen, arbitrators etc. then there is the small claims court.

Solicitors will often give you 30 minutes advice fof free. I urge you to use the legitimate avenues of approach before say strapping hotdogs to your string vest, bursting into their offices and claiming you are 'wired to go off'. :)