Before I take delivery of my new car I'm wondering if an extended warranty would be a good idea.

 

Does anyone know what the difference is between

 

Skoda extended warranty taken at point of purchase (is this a factory warranty?)

 

Skoda insurance extended warranty taken before standard car warranty expires (this seems to be the same price)

 

Or is after warranty cover (Skoda or Third party) the better value option.

 

Main concerns are Columbus, ACC, DCC shock absorbers (are they covered?) aircon and engine faults.

 

1.4 tsi act manual low annual mileage (<10k)

 

Are any of the above less onerous (less get out clauses)? I don't want to be hearing the broken Columbus isn't covered because the car wasn't always serviced at a Skoda dealer, or was serviced 600 miles or 5 weeks too late last year....

 

Edited 27 January, 20188 yr by xman

Aftermarket warranties are a waste of time. Most things that commonly fail are excluded.

 

When I bought the Seat Leon I had the choice of extended warranty before purchase or wait until the 3 year warranty expired. I don't know if Skoda is the same (should be - same company)

 

But if you bought at point of sale the extended warranty provided exactly the same cover as the 3 year warranty with no excess to pay. Basically its covers everything except wear and tear but sometimes batteries and stereos get limited cover even form new.

 

The warranty you took out at 3 years covered fewer items and there was a £200 excess on each and every claim.

 

Hope that makes sense.

26 minutes ago, xman said:

 I don't want to be hearing the broken Columbus isn't covered because the car wasn't always serviced at a Skoda dealer, or was serviced 600 miles or 5 weeks too late last year....

 

If you are going to service out of the Skoda dealer network the factory extended warranty will be a wast of time. The rule regarding keeping the warranty intact when you service at another garage only applies for the standard 3 year warranty, with the extended one its dealer only.

 

Late servicing will result in a lost warranty regardless of where its serviced or when its bought.

The 1 or 2 year warranty bought before the car is first registered is as good as the Manufacturers 3 year warranty.

The Skoda extended warranty bought after the Manufacturers warranty is expiring is good.

 

Main Dealer Servicing is not required, that would be an illegal T&C, only Servicing to Manufacturers Spec / Guidelines, OEM parts etc.

Factory Warranty Terms & Conditions _ Volkswagen UK.mhtml

Extended Warranty from ŠKODA Insurance – putting ŠKODA into your insurance. (1).mhtml

Peace of mind - ŠKODA.mhtml

5 minutes ago, AwaoffSki said:

Main Dealer Servicing is not required, that would be an illegal T&C, only Servicing to Manufacturers Spec / Guidelines, OEM parts etc.

 

As I understand it that only applies under the Block Exemption agreement to servicing during the manufacturers standard warranty. Extended warranties are not covered under Block Exemption so if its a Skoda Extended Warranty is Skoda Sevice only. If its a 3rd party warranty their T & C's will apply.

 

There has been much debate about this in the past on the Kia forum with regards to the 7 year warranty. Some people believe (incorrectly) that only the first 3 years are Kia and the remainder is dealer meaning dealer service only. The warranty is manufacturer for all 7 years and since its not a paid for extra its covered under Block Exemption. But Kia do attach very strict rules about providing evidence about work and parts carried out by other garages which can make claiming very difficult.

What i understand is having purchased Skoda Approved Extended Warranties from Car Care Plan LTD, and had the Policy Book, 

and made a claim and had the work paid for. so read the T&C's / exemptions etc.

 

And also bought a Skoda Extended Warranty and again had the Policy Booklet, read the T&C's,. understood the exclusions, 

and though not claiming on it know a few that have. You will find these Mk2 Fabia vRS Twincharger owners in that section.

 

Restrictive practices in the EU is easily read up on.

& again bringing up the Kia Warranty really is a little irrelevant concerning the Skoda /  VW Group approved / underwritten extended warranties.

SKODA_Extended_Warranty_Policy_06_01_2015.pdf

See page 12. Re servicing.

Edited 27 January, 20188 yr by AwaoffSki

I'm not sure if that booklet is for all Skoda extended warranties, bought at first purchase, before end of standard warranty, or after standard warranty expires but.....

 

Well, basically as it is written appear to be pretty useless to me.

 

DCC - shock absorbers are wear and tear items even the standard warranty seems to exclude them after 6 months / 6500 miles

 

Skoda Extended warranty general conditions

 

"Servicing must be carried out in accordance with vehicle manufacturer recommendations.  Genuine  ŠKODA components, oils and other fluids or components, oils and other fluids of equivalent specification and matching quality must be used. Failure to comply with this condition will result in a warranty claim being rejected.

 

Failure to keep  your vehicle  serviced in accordance with the manufacturer’s service schedule will void the warranty. You  must keep all servicing receipts and invoices.  We  will be entitled to check that  your vehicle  has been serviced regularly and may ask to see these in the unlikely event that the condition of  your vehicle  does not appear to correspond with your vehicle  service schedule."

 

Under exclusions

 

"Traffic management system, telephone including Bluetooth, TV/DVD, satellite navigation system and associated equipment of all types.

 

We will not pay for fixed or portable in car entertainment systems including, but not limited to, audio or video equipment, games consoles, CD multi-changers, MP3 or iPod equipment, speakers, amplifiers, remote controls."

 

So Columbus, Traffic assist not covered

 

Wear and tear is a much abused term, no doubt most of the drive train could be classed as a wear and tear item. My Skoda dealer loves finding rough wheel bearings and changing them at £250 a shot.

 

How cheeky is this get out clause?

 

"We will not pay for failure caused by deterioration of a covered component commensurate with its age and mileage. This includes, but is not limited to, gradual loss of engine compression requiring the repair of valves or rings and the gradual increase in the oil consumption due to normal operating functions."

 

And of course there is the old chesnut of repairs not having any warranty beyond the initial warranty period. (Unless paid for in full or part [as in goodwill] by the customer)

 

Unless I sense impending doom during my ownership, I think I'll skip this rather dubious financial product and put the money towards regular servicing and rely on "goodwill" 

 

Interesting words on the Skoda website

 

"Unlike other warranties, our new car warranty can be extended to cover you exactly as a genuine ŠKODA factory warranty would for the full period of time that you have it. This means you can now get up to 5 years / 100,000 miles† cover for manufacturing defects."

 

According this EU document manufacturing defects are covered by law to 6 years in the UK (unless someone can point out otherwise) ?

 

https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/united-kingdom/index_en.htm

 

 

Edited 27 January, 20188 yr by xman

1 hour ago, xman said:

According this EU document manufacturing defects are covered by law to 6 years in the UK (unless someone can point out otherwise) ?

 

https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/united-kingdom/index_en.htm

 

That is correct but there is a catch.

 

Within the first 6 months its assumed that the defect was present when purchased thus no problems getting it sorted.

 

From 6 months to 6 years if the product fails it is the purchasers responsibility to prove the defect was present when purchased. To do that will require the services of an expert but if the product had been working fine for almost 6 years how on earth could you prove there had been a defect form new evrn with the help of an (expensive) expert.

It was easy for some with 1.4 TSI Twinchargers 2009-2012 because after many failures VW group revised the engines from 2012-2014 and still had failures.

Like wise with DQ200 DSG 2009-2012 when VW did a World Wide Recall, but only Service Campaign in Europe. then still failings 2013-2015 and another service campaign, and yet VW Group brands still try denying Fundamental Design , Manufacturing or Component / Software failings.

Even knocking back Warranty Claims, Standard and extended.

 

As they try with 1.2, 1.8, 2.0 TSO Chain Tensioner failures after the Manufacturers Warranty expires.

Expert reports have them assume the position and no going to court, sadly there are no UK class actions.

On two previously owned cars (BMW 5 and Superb 2), I took out an independent warranty with Warranties Direct (year 3 onwards). I had significant claims on both cars and these were paid out promptly in accordance with their Ts & Cs. They do cover things like Columbus etc, but may charge an additional premium for upgraded spec items.

Details of their policies are available online, and they will answer specific questions about cover, over the phone, if you have worries about specific items.  

I'm not saying that they're a better choice, but they are worth consideration and investigation before making a final decision.

10 hours ago, xman said:

Before I take delivery of my new car I'm wondering if an extended warranty would be a good idea.

 

Does anyone know what the difference is between

 

Skoda extended warranty taken at point of purchase (is this a factory warranty?)

 

Skoda insurance extended warranty taken before standard car warranty expires (this seems to be the same price)

 

Or is after warranty cover (Skoda or Third party) the better value option.

 

Main concerns are Columbus, ACC, DCC shock absorbers (are they covered?) aircon and engine faults.

 

1.4 tsi act manual low annual mileage (<10k)

 

Are any of the above less onerous (less get out clauses)? I don't want to be hearing the broken Columbus isn't covered because the car wasn't always serviced at a Skoda dealer, or was serviced 600 miles or 5 weeks too late last year....

 

 

I took out the extended warranty for years 4 & 5 and consider it money well spent. Got my last set of alloy wheels just before the end of year five, plus other work. Also got the extra RAC cover for the two years as well but I was lucky with that as in the original paperwork Skoda could not show that it did not include or exclude. My dealer stuck by me which I was grateful for.

25 minutes ago, Danny 57 said:

 

I took out the extended warranty for years 4 & 5 and consider it money well spent. Got my last set of alloy wheels just before the end of year five, plus other work. Also got the extra RAC cover for the two years as well but I was lucky with that as in the original paperwork Skoda could not show that it did not include or exclude. My dealer stuck by me which I was grateful for.

 

You got a complete set of original alloys on the warranty in year 5? What was wrong with them, and didn't they argue it was neglect or wear and tear?

 A bit more detail.

 

 

i had in year two three alloys replaced, due to worming from the hub badges of which I was on my fourth set also due to worming. Those alloys last one day as I noticed a mark on the rim caused by the tyre fitter so then on my third set!  That set also started showing probllems near year four. So the dealer and I agreed to wait until end of year five and replace the centre hub badges with the later black SIII hub badges. Before that I kerbed two wheels offered to pay a contribution (one wheel from the accessories price list) it was accepted.. That is just one reason why I keep going back to my dealer. I give them business and they treat me fairly. Win win all round.