I can see I am not the only one which got fooled by this despicable bunch of useless liars. I have a fault on Inlet Manifold which is supposed to be covered under their "GOLDEN" warranty. They have told me that the fault is due to sticking flaps and this is not covered blamed it on soot and "wear & tear". I had my car serviced in Volvo TMS, they haven't looked at the part itself - so there was no such assesment from their side - what was noticed was a fault on the vehicle's computer. Apart from the code they have not provided any information about any soot or wear & tear problem to these scam artists called Momentum Warranties. From all of the other reviews I can see that Momentum makes this quick assumption of wear and tear on anything and everything. STAY AWAY! You will end up paying for the replacement parts anyway. Any 5* reviews are definitely bought or posted by Momentum themselves. Never again I will purchase any "extended warranty" from any of these companies (only consider genuine manufacturer's one).