Used CAR WARRANTY EXPOSED (& Explained)

[@DefinitelyNotAGuru]

✅ 𝐀𝐋𝐀 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 : tinyurl.com/j4kv696w (𝙐𝙨𝙚 𝙘𝙤𝙙𝙚 JIM10)

[@FactsnotFiction555]

A great video full of good information and advice. It seems to me that premium brands have the most claims because most of their policies are bought by premium brand owners. There is a lot of us out there who would love a premium brand, can't afford new, but are worried about the ongoing costs of buying an out of warranty used one. Keep up the good work.

[@DefinitelyNotAGuru]

I think JLR having 30% of the claims combined tells a different story personally ;) 👍

[@steve279]

Great Video, and good info! I’m a stickler for reading through the paperwork and came to a similar conclusion and opted for ALA for my car. *One thing to mention at the minute, they’ve changed the day 1 cover to 28days from taking out the policy. Make sure you buy well in advance if you have a policy and want continuous cover! Also anyone with a spotty service history, they will still cover, along with other providers, but make sure to detail what you have in writing and get a reply that it’s the case. 😊

[@DefinitelyNotAGuru]

👍👍

[@fivestaruk]

Very timely video for me - been a subscriber for some time and about the pull the trigger on a high mileage a4 replacement - and looking at warranty options - hadn’t realised about the uninsured vs insured cover. Thanks for pointing that out. Will be sure to get a quote using your code. Cheers Jim. Awesome work as always.

[@DefinitelyNotAGuru]

Glad it was useful 👍

[@richarddixon6354]

This is an eye opening video, thanks. Never knew about insured / non insured on these policies which makes complete sense. It is very difficult to find a company which can be trusted in various industries but always worth paying that little bit more to save a lot of money later on. Take care

[@DefinitelyNotAGuru]

Wise words Richard

[@andywright3107]

This vid couldn't have come at a better time. Currently looking around trying to decide what to replace my Model 3 with and warranty is a major concern when considering buying used - even on a relatively 'young' car you soon run up against the mileage limit (Tesla seems low at 50,000) or age (Tesla 4 years, many others only 3 years) . I'd no idea about the Insured vs Uninsured cover so many thanks for highlighting that.

[@DefinitelyNotAGuru]

👍👍👍

[@davidgriffiths-e5m]

Hi Jim, great video as usual. I’ve been thinking of getting an extended warranty for my four year old BMW X3 and checked out ALA who are a great company ( I’ve had numerous GAP policies with them) . Read through all the details of their top , Platinum policy. All pretty good and comparable with the official BMW one which has a hefty excess and about 15% more expensive. Only issue is that the labor rate with ALA is capped at £100/hr inc VAT. Called my local BMW Dealer and was quoted over £200 / hr! If you choose to use their own affiliated garages that’s not an issue but they primarily use Halfords auto centers. Now I use Halfords quite a lot but I wouldn’t entrust my X3 to them for any complicated work. I doubt they have the expertise or specialized equipment and tools for the work. Seems like the “ premium” brands have you over a barrel, no surprise!

[@DefinitelyNotAGuru]

It would probably cover a decent BMW specialist. £200 hr from BMW is daylight robbery and I’m glad ALA won’t pay those numbers - neither should you 👍👍

[@peterwainwright576]

Jim Brilliant, very well explained, didn’t know there were so many options. 100’% trustworthy information. Many thanks

[@DefinitelyNotAGuru]

Thanks Peter, I think way too many are ill informed and it's part of the reason why warranty has had a bad name over the years. People buying sub-standard products and covers will only get what they pay for really so I'm pleased to shed a little light onto it.

[@ifik-zr6ke]

Thank you Jim. Great content...informative and timely. I wish you and the channel continued sucess.

[@DefinitelyNotAGuru]

Thanks very much 👍

[@RegencyLets-gr9lf]

Thanks Jim, just took on the policy based on your recommendation. Been watching your videos since day 1. Nice to see the site progressing well. Good for you!

[@DefinitelyNotAGuru]

Thank you and thanks very much for watching

[@michaelarcher6278]

Very interesting video, thank you for covering this subject.

[@DefinitelyNotAGuru]

Thanks for watching

[@gordonchallinor9156]

Well bit of an eye opener well worth knowing thanks Jim

[@DefinitelyNotAGuru]

👍👍

[@kph1034]

Recently looked at changing to an EV and my 2 favourites were a '20 plate I pace HSE that came with a 90 day warranty @ £24k or a 72 plate inoniq 5 Ultimate from hyundai main dealer @£28.5k but because it was approved the dealer 'topped' up the warranry back to a full 5 years. I could have purchased a seperate warranty for the I pace for an extra £2k !! They are both beautiful cars and i knew i would be happy with either but that 5 year warranty was just too good to turn down.

[@DefinitelyNotAGuru]

It's important to know if they're gicing you full manufacturers parts & labour warranty as you would get with a new car - or just a self branded third party warranty (which many main dealers are putning out as "manufacturer warranty")

[@EducatedBlackMan]

I have a warranty with Car Shield and they are terrible. I had to fight them for two weeks to get them to pay for replacing a transmission. They tried to say it was bad before I bought the warranty. Fortunately, I had a state inspection 3 months before I bought the policy. I keep all repair receipts and had one for getting the transmission fluid replaced. They will try to blame the breakdown on poor maintenance to get out of paying. Advice, get an inspection before buying a policy, and keep all repair receipts even oil changes.

[@DefinitelyNotAGuru]

You definitely need to keep your receipts as it’s generally a policy condition that you do. Is the car shield product “discretionary” or insured?

[@EducatedBlackMan]

After reading the contract again it is discretionary and requires me to maintain the vehicle and keep all receipts.

[@DefinitelyNotAGuru]

Discretionary is bad news in my opinion. Have you seen my recent video about car warranty?

[@OldCodeMonkey]

Great video Jim, thanks for explanation especially insured vs non-insured which I was completely unaware of. I had a quick look through the ALA policy and when it came to EVs I couldn't see any specific mention of HV battery being covered or the heat pump and whether that would be covered by air conditioning. Certainly a warranty I will consider for my Kia Soul when it comes out of its 7 year Kia warranty next year.

[@DefinitelyNotAGuru]

Yes, doesn;t look liek the battery is covered but I;d probably give them a call and check about that and the heat pump - the staff I've spoken to so far seem to be great

[@danielharouche3210]

Hi Jim I've just watched your informative video on extended car warranties. I am looking to purchase a policy for my 7 year old Volvo that has a full main dealer service history. Can you please tell me why ALA shone through for you as being the best. For me, I am swayed that ALA is the highest rated on Trustpilot. What was it for you that gave you the confidence to support this company? I thank you for sharing your thoughts.

[@DefinitelyNotAGuru]

It’s a proper insured product, the majority are not. That means that with ALA there is some where to go and complain with some teeth (the FOS) if you feel unfairly treated. With an uninsured product you’re more or less on your own.

[@Pete.Ty1]

👍👍👍 1st class info. Thanks Jim

[@DefinitelyNotAGuru]

Thank you Sir

[@DanWalts]

Good video, I've been looking at them recently for my Jaguar XE with all the known issues it has. The discount code will swing it abit for now 💪🏿

[@DefinitelyNotAGuru]

You’re a wise man to get a warranty on a Jag Dan 👍

[@Adrian-vh4my]

Great video, thanks. I wasn't aware of insured and non-insured policies. If you make a claim against warranty insurance, do you have to answer yes to previous insurance claims when it comes to car insurance renewal questions?

[@DefinitelyNotAGuru]

What ALA said ⬇️

[@ALAInsurance]

Hello, We're pleased you found Jim's video interesting and that you know a bit more about uninsured vs insured warranties. In answer to your question; This will depend on the specifics of the car insurance renewal questions - some ask about comprehensive insurance claims only, and some ask about any insurance claims. (Which would include home insurance claims too or gadget insurance claims, for example) So, the devil is in the details of the question. We recommend asking the provider. Hope that helps!

[@chrismcfarlane8996]

Thanks for the video Jim.

[@DefinitelyNotAGuru]

You are very welcome

[@tmtcschannel]

I found the motor ombudsman a joke, Example Nissan Leaf 48k miles, fully serviced and MOTs at a main dealer until covid (missed one service but did zero miles). Motor and transmission problems with a 9.6k bill, I argued car was not fit for purpose, they said "Lack of maintenance" on none serviceable parts. 2 years so far and ongoing!

[@DefinitelyNotAGuru]

An optional ombudsman service funded by its members. Have you spoken to citizens advice? Small claims court might be an option.

[@tmtcschannel]

@@DefinitelyNotAGuru 2 years in and small claims court tends to "Follow" the ombudsman, nice little package, of once sold you are on your own when the warranty runs out. Despite it being well below the expected life expectancy

[@Andy-zi1wj]

I had a warrantywise one around 8 years ago the alternator started to fail was making awful noise and due to design of the 3.0hdi V6 was told not to drive car as will cause further damage bill to repair £1100 they said not covered its in the small print. Waste of money!

[@DefinitelyNotAGuru]

👌 I hope this video helps you understand why that might have been the case. An insured products has no small print, just says what you’re covered for, when you’re not, and what you need to do to comply with the conditions 👍

[@rob5944]

Got stiched up once when buying an Escort popular, the dealer apparently showed me the 'wrong plan' in the booklet just as we were about to close the deal. This one only really covered the engine and box, perhaps I should of walked. Bit naughty really. However we ended up keeping it eight years so got our moneys worth.

[@DefinitelyNotAGuru]

That's bad darts eh!

[@user-xu5vl5th9n]

In the old days it was "warranty to follow", meaning you receive it in the post after purchase. These are now banned but there are doubtless still plenty of worthless products.

[@DefinitelyNotAGuru]

there was certainly some dross on offer in the bad old days; I would hope things are better now but still plenty out there that I’d advise people to avoid.

[@michaelkemp3923]

Just bought an Ala warranty today for a jag xe, 20k miles. Thanks for the reassurance?

[@DefinitelyNotAGuru]

👍👍

[@simon75uk]

Great vid Jim !

[@DefinitelyNotAGuru]

Thanks 👍

[@DryUrEyesMate]

I’ve been dealing with a nightmare claim under BMW’s extended warranty for the past 7 months, and I’m starting to think they’ll do anything to get out of paying. They claim it’s a "genuine BMW warranty," but from my experience, that’s far from the truth. Every time I challenge their excuses and prove they’re wrong, they just come up with a new one. It’s been one thing after another, and it feels like they’re making up reasons to avoid covering the repair.

[@DefinitelyNotAGuru]

Is an insurer sitting behind it? You’ll know as it will mention the underwriter early in the wording if so. If it is you should ask for their formal complaints procedure and then escalate to the FOS. If it isn’t insured there’s not much you can do but possibly approaching BMW head office rather than your dealership may help a bit.

[@DryUrEyesMate]

The underwriter behind the warranty is AWP, and I’ve already escalated my case to the Financial Ombudsman Service (FOS). The Ombudsman ruled in my favor, instructing AWP to progress my claim and awarding me £500 in compensation for the issues I’ve faced. However, when AWP ‘progressed’ my claim, they sent out an engineer to the BMW dealership to inspect my vehicleeven though BMW had already stripped the engine and diagnosed the fault. This second inspection felt unnecessary and unusual. The engineer then claimed the issue was due to wear and tear, and AWP used this as a reason to decline my claim yet again for the fourth time. What’s baffling is that my policy explicitly states I have fully comprehensive cover, including wear and tear up to 100,000 miles on the components that failed. My car has only done 80,000 miles, so I’m well within the policy limits and should be covered. This entire experience has highlighted how dodgy BMW and their warranty processes can be. Has anyone else dealt with something similar or have advice on how to proceed?

[@DefinitelyNotAGuru]

AWP is a subsidiary of Allianz, therefore a huge company - get back on to the Obudsman ASAP as they're clearly trying to avoid your claim.

[@trevorcrook2565]

Note that RAC warranty doesn't cover keys and locks. Wife's Dad's ignition barrel failed on his 10 year old Kia after 11 months of ownership. Not a part you can service, but regarded as a wear and tear item, hence it cost him £470 to replace. The warranty didn't cost him extra when he bought the car, fortunately. I had to rescue him and get the RAC to tow it to the garage. Personally I wouldn't pay for a used car warranty as there are so many exclusions.

[@DefinitelyNotAGuru]

I guess the policy didn’t cover keys and locks or wear and tear. As long as it didn’t claim that it did there’s no issue really. The important thing is to understand these covers before you take them out. There are so many cheap non-insured products out there that are arguably less black and white than others.

[@kevinlally7653]

excellent clear information!

[@DefinitelyNotAGuru]

Glad it was helpful!

[@rhythmking9781]

Hi Jim, Do ALA expect you to 1) Have them inspect your vehicle to back up any servicing? 2) Expect you to pay for repairs ( once approved), then claim the money back from them or will they deal directly with the garage.? Many thanks.

[@DefinitelyNotAGuru]

Hi. No pre-inspection required, you need to have evidence of your servicing. If you used an approved repairer they can usually settle direct, probably not if you use a non approved one. Best call them with any questions to get a proper answer but that’s as I understand it 👍

[@RoyFoster-b4t]

Very interesting as usual

[@DefinitelyNotAGuru]

Glad you think so!

[@tedsassi1993]

I'm sure this may vary between providers, but in your experience, do you know how precise insured providers will be when it comes to the vehicles service history. For context, I'm looking to buy a 8/9 year old BMW m235i with < 60k miles. However, it's a struggle to find one that has SH perfectly inline with the manufacturer guidelines (a service every 10k miles). Usually they are all 10k miles, but there will be some cases of an 11 or 12k interval. Would this mean that any warranty would be void?

[@DefinitelyNotAGuru]

I'd have no idea but a quick call to ALA will let you know. Better to ask the question ahead of time rather than get a claim declined at a later date.

[@LuisCarlos-r5q]

Snodhurst car sales in Kent sold me a car with 3 months warranty. After 4 months I discover a hidden head gasket failure. They just rejected my claim. To avoid them.

[@DefinitelyNotAGuru]

Great reason to get yourself a decent warranty.

[@whatscookin8269]

Im ready to pick up my ford focus 1.5 titanium x diesel 70000 from kia with there 3 month warranty they have offered me extended warranty of 1 year at 1600 pounds or 2 years at 1700 im not sure what to do dont drive a lot of miles but do look after my cars the policy looks good regarding whats covered and whats not.can i buy the car under the 3 month warranty then get my own diagnostic then go back in the 3 months with any problems then decide if or not to take the extended one.great video

[@DefinitelyNotAGuru]

Big numbers they're talking there, is it full parts & labour or is it just a policy? if it's just a policy then maybe compare it to what you can get from ALA for probably quite a good saving.

[@whatscookin8269]

@DefinitelyNotAGuru full parts and labour.

[@DefinitelyNotAGuru]

👍

[@aknightwhosaysni2475]

Brill video. Can you help me with a query? I bought a 2006 toyota with 86000 miles and took a 6 month warranty. The timing chain has gone after 3 weeks. Car hasn't much service history. Do you think I'll be covered for chain replacement and labour?

[@DefinitelyNotAGuru]

Probably not if it hasn’t got good service history but worth a call. If you got the car from a dealer you should contact them first!

[@RorzL24]

Hi Jim, looked at this the other day with your code of Course, was looking for my Model 3, I was concerned with lack of EV specific coverage, what's your thoughts on this?

[@DefinitelyNotAGuru]

There is a page dedicated to EV warranty www.ala.co.uk/warranty/ev-warranty - it looks like the motor is covered but not the EV battery. Give them a call if you have any specific questions 👍

[@RorzL24]

@@DefinitelyNotAGuru Nice one Jim, it is the best ive found, 816 with you code for 3 years £100 Labour and £5000 max claim- dont think there is a part on the Tesla that will cost more then 5k to sort

[@abcxyz820]

Warranty wise? Which type would these be and is it value on a 14yr old, 100k mile car?

[@DefinitelyNotAGuru]

You’d have to ask them but I believe it’s non-insured and therefore discretionary

[@andywright3107]

With regards to your Tesla MY, what service receipts do you have? My own M3 has never been serviced - it's only had new wiper blades and tyres (plenty of repairs under warranty though). Tesla don't seem to have a scheduled service requirement so would ALA accept this?

[@DefinitelyNotAGuru]

You’d have to ask ALA

[@iniester6724]

With the servicing, can it be done at a manufacturer approved garage or does it have to be with tge manufacturer itself? Same with MOT?

[@DefinitelyNotAGuru]

VAT registered garage is usually the only stipulation.

[@focusmicro]

Trying to get Autoprotect to approve warranty on Head valve cover (rocker cover) replacemect (BMW replace head cover and gaskets as a set). as oil pissing out from the sides engine. Nightmare to deal with.

[@DefinitelyNotAGuru]

I haven't hear from them, was it a "free warranty" from when you bought the car?

[@focusmicro]

@@DefinitelyNotAGuru Yeah 3 month warrenty. See how it goes tomorrow and submit claim with them.

[@DefinitelyNotAGuru]

it's probably a bit rubbish, those free ones general are absolute pants

[@noeorozco5054]

my warranty (zureich) approved an engine replacement,they payed 11k but denied me a rental cause of the replacement cost

[@DefinitelyNotAGuru]

👍

[@isackville]

Thankfully.I don't need a warranty as I run a motorbility car, but if I didn't I would certainly be looking at that great video

[@DefinitelyNotAGuru]

👍👍

[@spacecoasttactical]

You don't "run" anything. Your car is paid for by other people's tax

[@isackville]

@@spacecoasttactical you don't know what you are talking about

[@shieldaigbencher]

Audi All in seems a decent option. Be aware though they will sell you this when you book your car in for a service and unless you have a full Audi service history anything they find on your service before 30 days, they wont cover anything.

[@DefinitelyNotAGuru]

👍

[@shieldaigbencher]

So, they quoted me £750.00 to change the bottom spring mounts at the back. My 2020 A4 has 50,000 miles on it. My last car, a Volvo V70 I took to 190,000 miles with no suspension work. However, my local Loughborough Audi specialist S-line quoted me £180.00 for the same job. I am booked in there tomorrow.

[@danprichard5432]

Used car dealer has free 6 months warranty but can add another 12 months for 300£, so wondering if this is good value, 18 months in total? I also need to read the warrenty details. Thank you

[@DefinitelyNotAGuru]

Unless it’s insured I wouldn’t

[@danprichard5432]

Thanks for fast reply. Will look into it, cheers

[@danprichard5432]

Thinking about it some more, getting the extended warranty seems pointless. The car comes with 6 months after which I can decide if I want to get another one myself if i want . Effectively just an insurance policy, hopefully I'm correct in this thinking? Cheers

[@Familymedia-d7u]

Is it a good idea to buy a manufacturer approved used car?eventhough comes with a higher cost??

[@DefinitelyNotAGuru]

If it comes with a proper manufacturers warranty it can be but read the wording carefully; it's often not full parts and labour and is just an off the shelf warranty that you could source elsewhere for less.

[@rhythmking9781]

Also, do ALA cover diagnostic time please?

[@DefinitelyNotAGuru]

On some cover levels. You really need to read through the site mate 👍

[@DavidDouglass-uc6bi]

the best warranty i have ever had was there in house warranty,they are a family company been down the generations now run by the Daughter,any problems they came out and collected it and left a courtesy car. i rate this company so highly that a cars head gasket went 2 weeks after the 6 months warranty run out and as a good will gesture they did it for FREE!

[@DefinitelyNotAGuru]

👍

[@TomBartram-b1c]

If you buy with a pre-existing fault the dealer "didn't notice" and you take it back, he'll just refer to to the cheapie warranty and inevitably you won't be covered. Don't ever buy from a dealer without full workshop facilities..

[@DefinitelyNotAGuru]

👍 always be prepared to put your foot down when you need to

[@spacecoasttactical]

Not strictly true. I bought a 207cc from a Peugeot dealer. 3 days later chain tensioner went and they tried to refer me to the approved warranty. Approved warranty laughed and threw it back at the dealer who had to pay another dealer to fix it

[@HUMPERS42]

Interesting stats on warranty claims, but what is the breakdown(!) by make of ALL cars covered by their policies? So for example if 40% of their policies is covering Range Rovers then having 19% of all claims for Range Rovers is not so bad. Unlikely to happen but stats can be skewed by not knowing all the details.

[@DefinitelyNotAGuru]

All cars covered by the insurer's policies since they started their scheme, pretty much 30% of claims on everything have been on JLR vehicles.

[@pccorner101]

Word to the wise regarding Handler Protect….if you cancel the remainder of a policy regardless of how long is left (bear in mind they sell up to 3yr warranties) they refund zero of what you paid, under the T&C’s you only have 30 days from policy start to qualify for a refund so if you decide to sell your car you’ll have hundred’s possibly thousands of pounds of policy worth absolutely nothing and to add insult to injury you can’t transfer it……long story short, don’t touch with a sh1tty stick !!

[@DefinitelyNotAGuru]

👍👍

[@davidmbell]

Bought this on the strength of this video and the three things I’ve tried to claim for they’ve refused. Cracked inlet manifold, nope. Maf sensor, nope. Worn crankshaft vibration damper, nope. Not worth the paper it’s written on. Massively disappointed.

[@DefinitelyNotAGuru]

I’d complain to ALA if you’re not happy but assume it’s been turned down for a good reason. Maybe a service history issue? You can always go to the FOS if you’re unhappy with the result of your complaint; what they say goes.

[@davidmbell]

FSH. 2016 BMW X1 with 60,000 miles. They quote that if the part isn’t “expressly referenced in their terms” then it’s not covered.

[@davidmbell]

@@DefinitelyNotAGuru on the vibration damper they said as it’s a progressive failure they won’t cover it, ie because it’s not something that’s “immediately failed” they won’t cover it. So I have to wait till it fails totally (and takes out my ac and pas) and actually brake down, then it might be covered. Might. Their customer service is appalling too.

[@DefinitelyNotAGuru]

you’d have to check your policy and see if that seems valid, if you don’t feel it is then you should follow the complaint procedure in your policy wording. As for their service I’ve had nothing but rave reviews but I guess when a claim is being declined, whether valid or otherwise, opinions may be negatively swayed. If you feel the insurer or ALA has provided bad service then once again follow the complaints procedure. It’s there for your benefit. Just remember, as I said in the video, a warranty is not a maintenance policy. Hope that helps.

[@Jmcg1959]

It’s still a big number for BMW ?

[@DefinitelyNotAGuru]

It is

[@felicia1111]

Mazda now gives you a lifetime warranty as long as only you own the car if you buy new

[@DefinitelyNotAGuru]

And service it with them I assume? I don’t suppose that transfers to a second owner does it?

[@jimrandall1739]

✌❤👍

[@DefinitelyNotAGuru]

👍👍👍

[@mustafaassad2916]

👍

[@DefinitelyNotAGuru]

👍

[@fathersunglasses6085]

😎

[@DefinitelyNotAGuru]

👍👍

[@paulanderton9424]

I was so interested in this video until you said you were sponsored. ........stopped watching.

[@DefinitelyNotAGuru]

Cool story, thanks for sharing. It's a shame you missed the bit about all the companies that have offered me a ton of money to push warranty products in the past; I must have turned 10 away before I found one that I actually believe in. Nevermind. If you think I work with companies just for the cash I would suggest you unsubscribe mate; I'm not that bloke.