I took out a Warranty Direct policy on my Jaguar FX mainly due to your statement that you receive fewest complaints about them. I spoke to the salesman and he answered all my sceptical questions and I bought a policy. I read the documents and was pleasantly surprised with the policy. Near to the end of the policy I had a handbrake motor fail so I claimed and was pleasantly surprised with the speed of the claim. When it came to renewal time, I renewed the policy automatically because I was very pleased with the service and the policy I had. What I did not do was read the policy which had been down-graded to one that was next to worthless but the premium had remained the same. Can you warn other people not to automatically renew Warranty Direct policies as I comes as a bit of a shock when they reject a claim for two pieces of equipment that were covered in the first year but not in the second year. I know I should have read the booklet (and I would not have renewed if I had) but if you could print this story hopefully it will stop someone being fooled into paying for 1st class premiums for a 3rd rate policy.