Hi all' :greetings-wavingblue:
...dont be taken in by the large print as with all Mechanical Breakdown Insurance (MBI) policies 'the devil is in the detail' which means the small print ! :twisted:
When for instance certain mechanical parts are covered somewhere it will be stated what component of that part is covered, i.e when it says "clutch" it often will state in the small print "clutch thrust bearing" failure ,,NOT the friction material of a worn out clutch !
Sometimes/ often the MBI covers only "complete" sudden failure/ breakdown of the mechanical component concerned meaning for example that a noisy camchain is not covered and owners are then advised that the onus is on them to have the necessary component repaired as the MBI only covers sudden failure/breakdown of the component AND now that it is established that the component requires attention they will not entertain a claim further down the line if not rectified !
Its important to remember that MBI's are not to be confused with the initial "Manufacturers Warranty" that is given when purchasing a new car, even when you purchase the "MBI" from the Main Dealer when the initial "Manufacturers Warranty" given with a brand new vehicle expires. The MBI that you 'purchase' from the Main Dealer is not usually administered by the Manufacturer anyway and is simply an MBI underwritten by a third party. The onus is on the purchaser to know what they are purchasing AND do not blindly accept what the 'sales person' is telling you as these products are sold on a commission basis which is where the Dealer makes their money. Ask to see the policy document and read what components are covered in the the terms and conditions so that you are fully aware of what you are actually buying :roll:
.the Big Blue ,,,& once again SORRY TO BORE !! :sleeping-yellow: but my passion with such matters is linked to a former career. ,,,,,after dinner speeches are available upon request ! :beer:
