CS
Christian S

1 reviews | Active since Mar 2010

28 Mar 2022, 15:26

MOTORVAPS *******

Another insurance company that takes your money and then uses every excuse under the sun why your claim is invalid, but to make matters worse they refuse to engage. I have written to their complaints department (who are probably very busy, ha ha ha), requesting someone call me but nothing, just another short email regurgitating the same words in a slightly different sequence. What sort of insult is it when a company that you pay does not have the decency to engage you on the telephone.

When I purchased the vehicle I agreed to take out a policy (my last policy with Innovation Group was a disaster and I thought these people surely cannot be worse). The jury is still out on this as I give Motorvaps an opportunity to 'do the right thing'. Anyhow, now I have a claim they tell me the breakage was down to poor workmanship and therefore not covered. How can the dealer tick the boxes on their form saying the part has been checked and is okay, only for 4 months later the part not be okay, and the insurer refuse the claim. I mean for the reason Motorvaps has given to be correct then it must have been damaged at the time of the sale and therefore at the time of implementing the policy, so how could the box be checked as TESTED & OKAY. It would seem that Motorvaps make it very easy for the dealers to sell these policies and the sales people to earn commission, but ultimately the checks they say have been done are meaningless because when the part fails they tell you it's not covered! This is yet another insurance ****. Don't waste your money on these clowns - they don't deserve your money or your business.

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Replies (1)
CS
Christian S's update30 Mar 2022, 10:58
Reviewer Update
RESULT! Motorvaps re-looked at my claim and it was approved, so whilst I had to do some sabre rattling justice did prevail, or mostly. The bill for the repair will be a little over 15K, I was expecting to be paid out their stated maximum of 11K and pay the shortfall. However as a result of the "betterment" clause they are paying out 7,7K and I am picking up more than 50% of the repair bill. The betterment clause (which I only learned about today) basically says we will not make your car better than it was, so if your car is older than 4 years (which it almost certainly is if you are buying a warranty) we will adjust down the maximum claimable amount by 10% followed by 5% per annum or 20'000KM's thereafter. This makes a serious difference to whether or not it is worth buying the policy, so ask and understand the impact of this BEFORE taking out your warranty.

Based on the fact that Motorvaps came through I will adjust their rating to 3 stars. If they'd done it right the first time I'd have given them 4 stars. However, due to the betterment clause I am reducing their stars from 3 to 2, kind of line with how they reduced my payment!