Hi,
How good is the Warrantydirect cover outlined below? Could you tell me what is missing or what I need to ask? Also, wear and tear items aren't covered for the first 90 days. Do you know if a timing belt is considered a wear and tear item? Car involved is a 2002 Clio DCI 80 Expression+ with 51.000 miles on the clock.
ENGINE
Cylinder head, internal bushings, oil pump, crankshaft and bearings, tappet gear, valves & guides (excluding burnt or pitted valves), pistons & rings, cylinder bores/liners, con rods, distributor drive, starter ring gear, flywheel, autodrive plate, camshaft drive belts, camshaft & cam followers, cylinder head gasket, cylinder block, crankshaft pulley, turbo/intercooler units, rear main seal, rocker assembly, push rods, timing gears, timing belts & chains.
CLUTCH
The master and slave cylinder, clutch cable and pedal assembly.
TRANSMISSION (Manual, Automatic and Overdrive)
Manual Transmission: gears, synchromesh hubs & rings, selectors, shafts, bearings, drive chains plus gearlever and bushes. Automatic Transmission: torque converters, brake bands, valve block, governor (manual & electric) oil pump and seals, drive chains, gears, input shaft oil seal, clutches, servos and modulator valve, bearings plus gearlever and bushes. Overdrive: Gears, shafts and bearings.
FRONT WHEEL DRIVE UNIT
Crown wheel and pinion, differential unit, bushes and bearings, plus external drive shafts, couplings, C.V. joints and rubber boots, hubs, drive flange and universal joints.
REAR AXLE
Crown wheel and pinion, differential unit, shafts, bearings, C.V. joints and rubber boots, oil seal and rear hub, & drive flange.
FOUR WHEEL DRIVE SYSTEM
Front differential, inter-axle differential and lock, rear differential and lock, bearings and shafts, couplings, C.V. joints and rubber boots, hubs and drive flange.
PROPSHAFT
Propshaft, universal joints, centre bearings and oil seals.
SUSPENSION
Shock absorbers, upper and lower wishbones, bushes, springs, spheres, displacer units and wheel bearings, self levelling suspension unit, reservoir, pump and regulator valve.
BRAKING SYSTEM
Master cylinder; brake servo unit, diesel vacuum pump, callipers, wheel cylinders, pressure regulator, ABS pump and control unit. ABS pressure reducing and proportioning valves, handbrake control cables and linkages, brake pedal assembly, self-adjusting mechanisms, abs sensors.
COOLING SYSTEM
Radiator, thermostat, water pump, heater matrix, engine oil cooler, viscous fan, thermostat housing, temperature gauge, electronic control units and control linkages.
STEERING
Rack and pinion, steering box, idler box, column shaft, couplings, steering column tilt mechanism, power steering unit including pump, pressure pipes and reservoir.
FUEL SYSTEM
Mechanical and electrical fuel pumps, airflow meter, injectors (including injector cooling system), overrun cut-off valve, pressure regulator, sensors, throttle body, fuel gauge and tank sender unit.
DIESEL INJECTION SYSTEM
D.I.S. unit and controls, injection pump, injectors, glow plugs, electromagnetic cut-off.
ELECTRONIC IGNITION
All solid state control and triggering units, where fitted as standard by the manufacturer.
AIR CONDITIONING
Air conditioning compressor pump, condenser, electronic control unit, sensors, magnetic clutch and valves, evaporator and reservoir, fan control and sensors.
ELECTRICS
Internal failure of the starter motor, alternator, regulator, distributor, windscreen wiper motor and tailgate wiper motor, heating fan motor, cooling fan motor, horn, central locking solenoids and motors, electric window motors and sunroof motors, electric door mirror motors and aerial motors, front and rear windscreen washer motors, headlamp adjuster motors, cruise control unit, trip computer, relays and wiring looms, rev counter, radiator cooling fan, indicator flasher unit.
CASINGS
Casings are covered provided they have been damaged as a result of failure of an insured part or by the consequential damage of an insured part failing.
OIL LEAKS
This covers seal or gasket replacement that necessitates the removal of the engine, gearbox/drive unit and drive shafts or differential unit to carry out repairs.
Only the components originally fitted as standard by the manufacturer are covered.
Some further information:
As it has a normal service history it will not have had a timing belt replacement. I am considering purchasing a Warrantydirect Gold policy to allow me to replace the timing belt probably just once in my period of ownership as opposed to 2-3 times. I am also after 'peace of mind' knowing that if my head gasket or turbo suddenly goes I am covered. I simply won't be able to afford a major repair, the policy seems reasonable at GBP20 p/m.
Thanks in advance for your time.
(I've used the search function but could only find partially relevant information.)
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