Motor

I've opted for the extended warranty through Wesbank and qualified for level 2 on their Prestige Plus offering. This is my second vehicle I've had this policy on and have been happy with their service up until now. I have submitted 2 claims in the past, both of which were over the covered amount and I had no problem paying in the shortfall.

My vehicle was recently diagnosed with a timing chain problem which is apparently covered under the engine. The limit of this item is on my plan is R35 000. The claim that was submitted was around R21 000. Motor Rite only covered R15 000 some odd leaving me to fork out the rest. I inquired with them as to why the full amount was not covered as it was still within the limits of the cover. I was informed that they only cover "internally lubricated components" as per the policy wording. All the parts that were submitted on the invoice were necessary to complete the repairs, the sealant wasn't covered nor was the lower timing chain cover, how can these items not be covered? Would you prefer it if the mechanic put the engine together without it so the oil could leak out? It's actually ridiculous. The timing chain cover was not covered because it does not form part of the internal lubricated components but has to be replaced as this part gets bent or damaged when removing it, call VW SA to check.

To make matters worse when I checked with the mechanic they said perhaps I should change my warranty provider as they has a similar case a few months before on another car and the entire amount was covered. I asked who the provider was and it was the Innovation group. Some drive plus 3 plan similar to the Prestige Plus plan although their limits for components are slightly LESS. The limit on their plan is R30 000 for the engine their wording is identical, they cover internal lubricated components but have the common sense to understand what repairs entail.

I would like peace of mind knowing that when my car breaks it will be fixed, and I expect my warranty provider to cover repairs if they are within the limits and not come with technicalities to ***** me over.

If you're reading this and looking for a warranty, please consider the Innovation Group. Their limits might be less but at least they're reasonable.