DOTSURE LOOKING FOR REASONS TO INVALIDATE THE CLAIM

This insurance is quick iN debiting money but pulls all the stops to invalidate the claim. In my case, I took a vehicle warranty plan with them, policy schedule was submitted with a list of items covered and those not covered. Their schedule amongst others included a "Cooling System", but did not indicate the details of what is considered a cooling system. With any other items, they have provided the details of what is covered which gives an impression that anything in the cooling system is covered. According to Audi SA, the mechanical failure in my car was due to the overheating of the motor vehicle and the policy does cover overheating. The insurer argued that "despite an insured peril being covered, it may be subject to certain policy exclusions. This is the case here, overheating due to a malfunctioning radiator is unfortunately not covered. Overheating due to alternate malfunctioning parts may in fact be covered". I referred the matter to Short-Term Ombuds but since they are allegedly on the payroll of the short-term insurance companies; they always rule in their favor. In a nutshell, never extend the warranty of your car with them, it will end in tears for you. It is advisable to whatever the premium they give you and save it over a period of time in order to pay cash when necessary; after all, their limits are ridiculous. You could save more than the limit in no time; when your car breakdown; you can fix it yourself.