Had my car 3 months, started making rattling sound. Took it to a garage to diagnose the problem. The qualified mechanic informed me that the it's a gearbox/clutch issue. I thanked him and then reported it to Handler Protect. They got back to me quite quickly to be fair and asked for 4 pieces of information in order to process the claim. 1. A description of the problem, from the mechanic, on headed paper. 2. A quote from the garage, again on headed paper. 3. Proof of Service and MOT. 4. Current mileage. All reasonable requests, which I duly provided, promptly. Received a reply a day later asking - 1. A Definitive Diagnosis as to how parts failed 2. A definitive Quotation for the repair 3. Detailed diagnoses of "Why Part Failed" 4. Pictures of Failed Part Ok, some more hoops to jump through. Point 2, already covered in previous email. Points 1, 3 and 4 is pretty hard to prove without taking the gearbox and clutch apart. Apparently the word of a qualified, well respected mechanic is not trusted. I go on to explain how hard it is to get points 1, 3 and 4, as I don't have the money to pay a mechanic to take my car apart to, just to tell them what he already told them and to take a picture. Plus, I explain how a garage won't hold my car in pieces on their premises while claims try to think of more ways to word the first 4 points, I order to drag this claim out. Also, how my job requires me to commute to work and how I cannot be without a car, while I provide for my family, with no assurances that the work will be covered once I proceed with the hoop jumping. I can't believe the stress and anguish all this has put me and my family through. Warranty claims are not one size fits all. It's different for someone with wealth to follow all the points requested, but someone, like me, with little money, trying to complete the impossible, pointless tasks, is really difficult. This company doesn't seem to possess any humanity or treat claims on a case by case basis. My life is ruined and I am having to continue drive a car that is potentially dangerous, putting my life at risk because I have no other options. Warranties are there for peace of mind, when such things occur, but when they never have any intention of paying out, I wonder what the point is.