Motorite rejected my valid claim, cancelled my policy, and treated me like a ***** due to workshop errors.

I feel it's important to share my recent experience with Motorite so others can make informed decisions before entering into an agreement with this company.

When my vehicle's "check oil" light came on, I checked the oil level and found it to be fine, which led me to suspect an oil pump issue. Not being a mechanic, I had the vehicle towed to a workshop for professional evaluation. The workshop confirmed my suspicion — the oil pump had failed — and advised that it needed replacement.

Before authorizing any work, I confirmed with the workshop that they dealt with Motorite, which they said they did. Motorite then requested that the oil pump be removed, photographed, and supported with a failure report, service history, and a quotation — all of which were supp****.

Importantly, the workshop explained in their report that to remove the oil pump, components such as the cambelt, v-belt, and water pump also had to be removed and should be replaced as per standard practice. These items — along with a minor service I had separately requested and never expected Motorite to pay for — were all included in the quotation.

Motorite then partially authorized the claim, agreeing only to cover the oil pump replacement, stating their policy covers one failed component at a time and not serviceable items. I responded to this decision by asking the agent to reconsider, as the items in question were not failed components nor part of routine service, but were necessary replacements due to their removal during the oil pump repair — as clearly stated in the workshop’s report.

Despite back-and-forth communication, and my repeated efforts to clarify and correct any misunderstanding, Motorite continued to reject my requests — including a reasonable proposal to submit a revised quote for the oil pump work alone, which was ignored.

To make matters worse, due to a mistake by the workshop — who combined everything, including the service, into a single line item in the revised quote — Motorite not only retracted their original authorization, but went a step further and cancelled my policy. Their justification? That the quotation was altered in a way that “misrepresented non-covered items as covered components”, which they claim compromised the integrity of the claims process. They even cited “******** or undesirable activity” as a reason for cancellation — treating me as if I acted *****ulently.

Let me be absolutely clear: 🔹 I did not alter the quote. 🔹 I did not request the service or other parts to be misrepresented. 🔹 I have email evidence documenting my instructions and correspondence. 🔹 The original authorization proves that even Motorite initially agreed the claim was valid.

At no point did I attempt to mislead or de***** Motorite. Yet I am being penalized for the actions of someone else — and left with a substantial bill for what should have been a valid, approved repair.

I can understand Motorite being cautious about possible quote manipulation. However, in this case, the facts show that their decision to cancel the policy and treat me like a ******** is entirely unjustified.

If you're considering a warranty or motor plan with Motorite, I urge you to carefully consider how they might handle a claim when something goes wrong — even when you're honest and transparent. I trusted this company to act in good faith. Unfortunately, that trust was not returned.