I bought an MG TF in August 2011 and for peace of mind opted for a £290 12 month used car warranty with The Warranty Co. Recently, when checking the oil levels etc I noticed the coolant level had dropped considerably and there was sludge on the coolant cap. With my little knowledge of cars I suspected there may be a problem with the cylinder head gasket. I contacted the Warranty Company's recommended repairer (Halfords Autocentre) and booked my car in. They, in turn, contacted the Warranty Company who said the cylinder head would have to be removed for examination. I had to give authorisation for the stripdown, which I duly did. Within a few days the garage received a fax from the Warranty Company rejecting my claim on the basis that the fault had been caused by wear & tear. Upon checking the Warranty Handbook, it clearly states that wear and tear is excluded from the policy but do not define or provide any examples of "wear & tear" I also noted that when I took out the policy at the dealers premises, I was not offered a cooling off period. Having carefully checked the wording of their terms & conditions I would have been reluctant to take out a warranty that was so prejudiced against the consumer. Does anybody have any advice to offer on my rights?