My experience with Warrantywise:

I bought warrantywise warranty, the highest warranty available which covers all parts, I made a few small claims and they were approved and I eventually received my money. However one day my engine malfunctioned, after taking it to the VW dealers they stated I needed a new engine. Warrantywise made dozens of excuses as to why they will not pay out, they are as follows:

1 st reason – After inspecting my vehicle they refused to pay out because I was at fault for driving the vehicle when it was over heating. Just to confirm I am fully aware of the temperature gauge in my car, it is clearly visible and it was always on 90°C as it should be. In addition to the temperature gauge in my car I have also a dashboard alert which will appear if the engine is too hot.

2 nd reasons – they requested the engine to be dismantled at my expense before they will reassess the claim. After having my engine dismantled Warrantywise went to a different reason not to pay out.

3 rd reason - Warrantywise requested VAT registered invoices for previous servicing, I was the owner from 2011 they wanted me to get servicing invoices from 2005-2011. This was bizarre as Warrantywise are a used car warranty company and it would be difficult to get invoices for servicing from previous owners.

4 th reason – Invalidated my warranty policy until all servicing invoices where provided. On the website it clearly says when the warranty is purchased we will check the vehicle and service information, nevertheless I have had numerous small claims approved before but now that my vehicle needed a new engine ‘my service history is inaccurate’ even though my service has been done at the supplying dealer and all stamps and invoices have been provided.

5 th reason – Warrantywise cancelled my 2 year policy with 10 months left on my contract. - I find this outrageous; Warrantywise thought that I wouldn’t be to provide VAT registered invoices of the service history. Once provided, Warrantywise took a few days to find another escape route to stop them accepting my claim. They then decided they would cancel my policy altogether with no meaningful reasoning whatsoever.

Warrantywise refused to talk to me in regards to any warranty related issue as stated in their final letter to me. After filing for a court hearing and spending just under £150 for court cost, I was only then able to resolve the issue by accepting a partial amount back.

Details about repair:

Vehicle broke down: March 2012
Repair done: April 2012

Issue resolved: October 2012

Cost of repair: £2686.85
Warrantywise payment: £2000.00

Warrantywise have paid me for several smaller claims but refused to pay out for the new engine as it was a large amount of repair cost, even though the contract says they will pay unto the value of the car, which in my case was £4600. But after a stressful 7 months negotiating i had come to an agreement with warrantywise.

So I am hoping my experience will help others out.

Thanks