Too good to be true?: MOT Guarantee

I'd be interested in the small print.

I notice they want proof of servicing etc, I imagine its full of get out clauses.

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Title: About Us

This Guarantee is arranged and administered by Homeserve Warranties Limited on behalf of Nationwide Autocentres Limited.

1. Definitions:
Administrator: The appointed administrator, Homeserve Warranties Limited is appointed to administer this policy on behalf of Nationwide Autocentres Limited. Our address is Alpha House, Sunnyside Road North, Weston-super-Mare, North Somerset, BS23 3QY. Homeserve Warranties Limited is a subsidiary company of Homeserve Plc, whose registered address is Cable Drive, Walsall, WS2 7BN, United Kingdom. Registered Number: 03156861.
Autocentres, Our, Us, We: Your local Nationwide Autocentre where you purchased this MOT Guarantee.
Geographical Area: The United Kingdom, the Isle of Man and the Channel Islands. Refusal of an MOT Test Certificate - VT30 (VT30W - Wales): The Notification of refusal to issue an MOT Test Certificate (VT30).
Sum Covered: The maximum amount we will pay under this guarantee as indicated under section 6 (d) of this MOT Guarantee Certificate.
You, Your: A UK resident who is eligible for and has applied for this MOT Guarantee and has agreed to pay the premium.
Vehicle: The vehicle declared to us overleaf.

2. Period of Cover:
Your MOT Guarantee will start 30 days before Your MOT Test is due and will expire 30 days after Your MOT Test due date. Your MOT Guarantee cannot start less than 90 days before Your next MOT Test due date. Your MOT Guarantee terminates as soon as any of the following events occur.

* a. The expiry date, as shown on your certificate;
* b. The premium for this Guarantee is not paid;
* c. You modify the Vehicle in any way which the manufacturer does not recommend;
* d. The maximum claim limit of £650 is reached; or
* e. You, or anyone representing You, defrauds or deliberately misleads the Administrator or Us.

It is Our intention that this Guarantee will not be automatically renewed.

3. What is Covered:
You are covered against the cost of repairing, replacing or altering the following parts on Your Vehicle if cited on a Refusal of an MOT Test Certificate - VT30 (VT30W - Wales) issued by Nationwide Autocentres as being the reason for the failure of the MOT Test during the Period of Cover. The maximum amount We will pay for all claims during the Period of Cover is £650.

Please note that no excess is due on any MOT Guarantee claim.

Lighting Equipment
Headlamps, Headlamp Aim, Front and Rear Side Lamps, Stop Lamps, Rear Fog Lamps, Number Plate Illumination Lamps, Rear Reflectors, Hazard Warning Lamps and Controls, Direction Indicator Controls, Fog Lamp On/Off Indicator (excludes Bulbs, Xenon Headlights and Tell/Tale Lamps).
Steering and Suspension
Steering Controls, Steering Mechanism/System, Power Steering, Transmission Shafts, Wheel Bearings, Front Suspension, Rear Suspension, Shock Absorbers, Suspension Drag Link, Track Rod Ends, Suspension Springs, Wishbones, Swivel Joints, Suspension Mounting (excluding Subframes).
Brakes
ABS Warning Systems and Controls (when the ABS warning light fails to operate in the correct sequence), Master Cylinder, Wheel Cylinders, Callipers, Load Compensator, Electronic Control Unit, Brake Pipes/Hoses/Cables (Discs and Drums are excluded).
Seatbelts
The condition and operation of all Seatbelts and Seatbelt Mountings.
General
Recalibration of Carburettor, Fuel Injection, Engine Management Unit or Sensor Replacement directly as a result of calibration failure to meet MOT exhaust standards. Horns, Speedometer, Speed Limiter, Windscreen Washers, Windscreen Wipers (excluding Wiper Blades and Rubbers). Tuning and Adjustments which are required to meet MOT exhaust gas emissions standards.

4. What Is Not Covered:
This MOT Guarantee does not cover:

* a. any parts which have not actually failed;
* b. consumables including but not limited to windscreen wiper motors, tyres, wheels, exhaust systems and catalytic converters;
* c. any loss in excess of the Sum Covered;
* d. general wear and tear reported during the Vehicle’s previous service;
* e. Your Vehicle where it is used as an emergency vehicle, taxi, bus, truck, heavy goods vehicle, motorcycle or if Your Vehicle is used for dispatch, road-racing, rallying, pace-making, speed testing, driving school tuition or any other competitive event;
* f. any damage occurring, which is due in whole or in part to any type of accident or any act or omission which is wilful, unlawful or negligent by You;
* g. any component covered by an existing guarantee, warranty or insurance;
* h. the cost of MOT testing and/or re-testing; and
* i. the cost of more than one MOT Guarantee claim during any 12 month period.
* j. corrosion of body work; and
* k. windscreens

5. How To Make A Claim:
If Your Vehicle fails its MOT Test please inform Your Autocentre through whom You purchased Your MOT Guarantee and pass them Your MOT Guarantee certificate. You will then be asked for Your most recent MOT Test Certificate along with Your Refusal of an MOT Test Certificate - VT30 (VT30W - Wales). We will then contact the Administrator and obtain authorisation that they can carry out all necessary repairs and request You sign the repair invoice.

6. General Terms and Conditions:

* a. All claims must be supported by a VAT receipted invoice from the Autocentre undertaking any repairs;
* b. You may transfer this MOT Guarantee certificate to another person subject to an administration fee of £10.
* c. The Vehicle must be serviced at Your most convenient Autocentre in accordance with the manufacturer’s service schedule, failure to do so will invalidate Your claim;
* d. Your Vehicle must be no more than 12 years old or have passed 120,000 miles at the start date of this policy;
* e. The payment of any claim under this MOT Guarantee shall not be greater than the manufacturer’s list prices for parts and labour costs incurred in repairing covered parts up to the maximum total claim liability of £650 (inclusive of VAT) during the Period of Cover;
* f. Any exploratory dismantling charges will only be reimbursed as part of a valid claim. It is Your responsibility to authorise any dismantling and to pay the appropriate charges, if such dismantling proves that the failure is not covered under this MOT Guarantee; and
* g. The parties to this policy are free to choose the law applicable to them. Without agreement to the contrary, English Law will apply. If You live in Wales, Scotland, Northern Ireland, Channel Islands or the Isle of Man, You will be entitled to commence legal proceedings in Your local courts.

7. Complaints Procedure:
We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expect. When this happens We want to hear about it so that We can try to put things right. If You have cause for complaint it is important You know We are committed to providing You with an exceptional level of service and customer care. Please contact the Administrator by writing to the Operations Manager, Homeserve Warranties Limited, Alpha House, Sunnyside Road North, Weston-super-Mare, North Somerset BS23 3QY or by telephone on 0870 320 7150 or by fax on 0870 320 0239.

In the event that You remain dissatisfied please write to Nationwide Autocentres, 7/9 Richmond Road, Olton Wharf, Olton, Solihull, West Midlands, B92 7RN.

8. Data Protection:
For the purposes of the Data Protection Act 1998 the Data Controller in relation to any personal data You supply is Homeserve Warranties Limited and Nationwide Autocentres Limited. Homeserve Warranties Limited is a wholly owned subsidiary of Homeserve Plc. The Homeserve group of companies and Nationwide Autocentres Limited may use Your data to keep You informed by post, telephone or other means, of any products or services which may be of interest to You. If You do not wish to receive information from Us or the Administrator please write to the Data Protection Officer, Homeserve Warranties Limited, Alpha House, Sunnyside Road North, Weston-super-Mare, North Somerset, BS23 3QY. With limited exceptions, and on payment of an administration fee, You have the right to access and if necessary rectify information held about You. If You wish to make such an inspection, please write to the Administrator.

Calls may be recorded for training and monitoring purposes.

In order to maintain this guarantee you must ensure that the MOT and all associated repair works are carried out by Nationwide Autocentres.
 
6. General Terms and Conditions:

a. All claims must be supported by a VAT receipted invoice from the Autocentre undertaking any repairs;
b. You may transfer this MOT Guarantee certificate to another person subject to an administration fee of £10.
c. The Vehicle must be serviced at Your most convenient Autocentre in accordance with the manufacturer’s service schedule, failure to do so will invalidate Your claim;
d. Your Vehicle must be no more than 12 years old or have passed 120,000 miles at the start date of this policy;
e. The payment of any claim under this MOT Guarantee shall not be greater than the manufacturer’s list prices for parts and labour costs incurred in repairing covered parts up to the maximum total claim liability of £650 (inclusive of VAT) during the Period of Cover;
f. Any exploratory dismantling charges will only be reimbursed as part of a valid claim. It is Your responsibility to authorise any dismantling and to pay the appropriate charges, if such dismantling proves that the failure is not covered under this MOT Guarantee; and
g. The parties to this policy are free to choose the law applicable to them. Without agreement to the contrary, English Law will apply. If You live in Wales, Scotland, Northern Ireland, Channel Islands or the Isle of Man, You will be entitled to commence legal proceedings in Your local courts.
 
There's quite a few small get-out clauses too - nothing major, but lots of little things that you need to do. I suspect they bank on most people forgetting about something, missing a deadline, or failing to have to right paperwork and then hitting them for the full bill, due to an 'invalid' claim.
 
Still seems very good, their prices in general are very competitive - £33 for an MOT for example, in my area it is virtually unheard of to get an MOT for less than £50.
 
Would you trust Autocentre with servicing your S Class Jez?

Tbh, I think they have got customers by insisting the cars serviced by themselves - Customers who can hardly argue what works needing doing if Autocentre then have to then do it!
 
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Dont see why not? I wont due to me wanting to keep the main dealer history going, but if i were planning to keep it i wouldnt care. I think i will get my MOT done there though, £33!
 
Dont see why not? I wont due to me wanting to keep the main dealer history going, but if i were planning to keep it i wouldnt care. I think i will get my MOT done there though, £33!

If you were planning to keep it, I'd imagine Autocentre & suchlike are hardly experienced with maintaining something like an S Class properly.

MOT fair enough, but servicing? Not for me if I had such a car. :)
 
I read that as it's an extra 49.99 on top of the MOT.

£49.99 + Autocentre MOT charge. (+ charge of previous Autocentre services)

Note, brake components are not covered, what do Autocentre sett a lot of? oh yes, brake components....:D
 
a nationwide autocentre was the only place my mate could find who were prepared to tackle the clutch/flywheel change on a lexus IS200.
 
a nationwide autocentre was the only place my mate could find who were prepared to tackle the clutch/flywheel change on a lexus IS200.

Perhaps because they did not appreciate what a pig of a job it is? :D

I'm just skeptical of somewhere that insists they do any servicing that effectively prevents me from getting a better opinion of work required or price elsewhere without voiding my "MOT Guarantee".

MOT Guarantee? My Arse. :p
 
If you were planning to keep it, I'd imagine Autocentre & suchlike are hardly experienced with maintaining something like an S Class properly.

MOT fair enough, but servicing? Not for me if I had such a car. :)

There is nothing magical about it, its a car the same as any other with an engine in the front and normal suspension components (other than the gas struts). Anyone can service it as long as they have the appropriate mahcine to suck the oil out. I dont see why it matters who does it :) I agree about the lack of choice though, i wouldnt want to be locked in like that.
 
a. any parts which have not actually failed;

Thats the major one because a good percentage of failers are due to worn joints etc etc.

So its a waist of money.
 
They exclude general wear and tear...

I just had my MOT there for £33 and had a decent chat with them but not sure I'd trust them on anything which wasn't run of the mill...
 
There is nothing magical about it, its a car the same as any other with an engine in the front and normal suspension components (other than the gas struts). Anyone can service it as long as they have the appropriate mahcine to suck the oil out. I dont see why it matters who does it :) I agree about the lack of choice though, i wouldnt want to be locked in like that.

By that logic though, that negates the need for a decent BMW or Mercedes independent specialist for maintaining such cars, I know what your saying about the principle of basic fundamental mechanical layout, but, your S Class and indeed my previous e38 were far from basic cars.

Sure though, any decent spanner monkey should be able to service a car whatever it is, but I still think for some cars, taking effective pot luck with such national chains is a very bad move.
 
Sure though, any decent spanner monkey should be able to service a car whatever it is, but I still think for some cars, taking effective pot luck with such national chains is a very bad move.

It only requires servicing by them, by this i mean literally oil and filters, maybe brake fluids and things like that. Id trust anywhere to do this as long as they used the correct grade of products. More complex stuff i agree completely, but servicing is servicing, its not a big deal :)
 
It only requires servicing by them, by this i mean literally oil and filters, maybe brake fluids and things like that. Id trust anywhere to do this as long as they used the correct grade of products. More complex stuff i agree completely, but servicing is servicing, its not a big deal :)

You'd say that but Kwik Fit couldnt even get wheel balancing right :)

I wouldnt trust them for anything.
 
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