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CHECK GOOGLE REVIEWS!
For anyone considering purchasing the warranty — they will promise you everything, and their booklet claims to cover it all. But just wait until you actually need to make a claim. Suddenly, everything is considered “wear and tear,” and they won’t pay you a penny.”
“Polite at the phone, quite easy to contact but will not cover you for anything... One way or another they will always find a way to justify it is wear and tear, no matter what the problem is. Hard to argue against it, besides very niche scenario, every faulty part will certainly break because of a certain degree of wear. Will also not cover you for diagnostics when something goes wrong, even though their website suggest they do. These guys are geniuses at phrasing things to make you feel you are cover when you are not. Save yourself time and don't give them a single penny. Contract someone else if you actually want to be covered.”
“If I could give ZERO star, I absolutely would.
I purchased a car just one week ago, complete with a fresh MOT and service history. After driving it for only 40 miles, the car suddenly started making a very strange noise. I submitted a claim through the app to have it assessed by a garage, but Momentum Warranty refused my claim, stating it must be due to a worn part.
Let me repeat: the car had a fresh MOT, and I drove it for only 40 miles. Yet they expect me to cover the cost myself to have it checked by a garage in order to “further assess” the issue.
I’m incredibly relieved I didn’t sign up for their extended warranty because clearly, you can’t rely on their service for anything. It feels like someone is just sitting behind a computer, deciding whether or not your issue is covered, without any real investigation.
Even worse, they claimed it’s not a “sudden issue” despite the fact that the noise appeared out of nowhere which is both illogical and frankly, insulting. When I asked to speak with a manager, they refused.
I will be escalating this case to Consumer Rights. This experience has been deeply frustrating and disappointing, and I feel it's important to warn others before they make the same mistake with this company.”
“Avoid this company, I recently purchased a van and my clutch give way due to the plate breaking which should be covered by my warranty. This company has fobbed me off and said it was due to “wear and tear” on the fly wheel which is completely incorrect. I have since raised a complaint and was told I would hear back within 5 working days, it has been over 5 working days and I haven’t heard a thing. Please avoid this company at all costs. Waste of money and time. I am now £1000 out of pocket.”
“Typical warranty bandits. Tell me the roof is covered then tell me because the sensors have had water damage (as they all do) it’s not covered. Any excuse not to pay out”
“You are better off not buying a warranty from Momentum Warranties as the claims procedure make things difficult and do not explain them properly to you, no reimbursement has been provided, despite them being kept fully updated regarding the situation and all progress. The service has been unacceptable which is why the matter will be taken up with a higher authorities. Extremely disappointed and it’s not fair or reasonable trading.”
“Would leave zero stars if possible! Just haf to pay out over £2500 for a new gearbox as Momentum would not pay out! 2 different garages said the gearbox was broken but Momentum weren't happy and wanted it taken apart, photos and videos of where the mechanics said was broken before they would even decide if they were going to pay out! Which costs more money and time! Not worth the paper it is written on! Avoid at all costs!”
“After Momentum warranties giving the go ahead to the garage to make the repairs on my car. They are now refusing to pay out. I had a genuine fault but they have said it’s down to wear and tear to get out of paying.”
“Absolute scammers !!!
Avoid them !
My story is the exact same as the long list below. They just refuse to pay a genuine claim, which 2 mechanics have said is due to part failure and not “ware and tear” - like the excuse they used to get out of it.
Now I’ve got a £1400 bill.
I’m actually gutted that I didn’t look into this company first before buying the cover at the car sales garage.
I just urge anyone that has been offered this warranty to run !!”
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“Please listen everyone this warrenty is a big Rip off. Made a claim before my warrenty expired waiting for the car to be stripped down to show the problem as the garage is busy. Was told cause its taken more then 7 days there not paying. its not worth the paper it's wrote on. They will find anything to get out of paying. Think they can go around doing it to everyone getting out of it and ripping people off. There is hidden reviews about these on another review site don't just read these do your home work and take my word for it stay clear. There also leaving comments to get intouch making out they care. They don't there just ripping us all off”
“Absolutely shocking, I took the top package thinking I would be covered for most events, they is an excuse for 1 thing or another, that parts not covered or you have gone by the date of claim started, I could not get an earlier appointment so they classed that as going over the days
Stay well clear or you will regret it.”
“Having purchased the gold warranty that is supposed to cover everything, it clearly does not.. I have a severe problem with my car which I have had to pay to get the problem diagnosed, as the garage that they recommend said they could not diagnose so it would have to go to a dealer. No way would they pay for anything at the main dealer so I have had to go to several specialists who have now diagnosed the problem. In the meantime someone bumped into the car and in a body shop getting repaired under their insurance.
My claim got rejected without me knowing but noticed it had cleared from the app. After calling, it is my fault as it should have been done and completed with 30 days. Easier said than done when you have to book the car in, take time off work etc..
With lots of persuasion they said they will reopen for 7 days.
The same day I sent the quote to them for the repair/ replace of the diagnosed faulty part, Along with a video of the suspected issue. Now the mechanic must send them video / photo evidence of the faulty part dissembled to prove the fault. This part according to the mechanic is a swap out part, and therefore would not waste his time "trying" to break the part down. In his expert opinion, the evidence would be once the part is replaced and the fault gone. That should be enough. I booked the car in to the garage, the earliest they can do it is the end of Nov. Informing Momentum of this still isn't good enough as this needs to all be done within the 7 days. ??? Oh and because the car is still "Drivable" at present they would probably not pay out??? To describe the fault if you were to put your foot down to accelerate is sound and feels like the bottom of the car is going to fall out..
To suit your ever changing goal post.. How am I going to get it diagnosed without moving it ??
Why is there no flexibility in certain cases. ??
Just because a vehicle can drive (limited) does not mean there is no major fault?
Haw can you justify having a swap out item which is the problem (rear differential) then needing to be broken down, incurring more time and cost ? Why can't you just be happy that the customer just feels happy and safe in the vehicle they paid £15k for 5 months ago..
A service that we pay for is all what's wanted.
Apologies the video file I have is to big to post on here which is a shame..”
“Done leas than 1000 miles im car and waring lights came on , went through app and took to garage 2 faults identifies(faulty components) refused claim saying it was intermittant fault which i proves it wasnt then came up with another excuse not to cover.
Staff are helpful and sympathetic but obviously use every trick in the book not to cover your claim.
If your garage has provided a warramy they will bombard you with calls to extend warranty, i wouldnt bother as it would be money down the drain, keep the money in your pocket and use for a breakdown cover with repairs.
Poor service and avoid.”
“Well, not only do they NOT honour an absolutely genuine claim, when anyone leaves a review they commence additional "Delay tactics" by replying with absolute B.S...
They say " please forward your details including your product / policy reference and we'll look into the issue(s) for you......🤣🤣🤣🤣🤣🤣🤣🤣.
I followed their request by emailing the required details to their customer services department whereupon I received quite a prompt response saying my details have been passed on to the correct department and that "They" WILL respond within 5 business days...
That email was dated the 20th of August 2024 and so, I'm still waiting somewhat LONGER than FIVE BUSINESS DAYS.”
“Complete joke of a firm, stay away they saidmy garage could do thw work on mycar, but when it came to paying out they refused saying to permission was given, yet when I rung they had to go and get a manager to say yes they could do the work, and when it came to paying they rejected my claim, I have no car and my daughter is suffering as I'm a single parent. Complete and utter jokes”
“Avoid , completely a waste of time. You have to book the garage pay for the diagnostic then get the approval to have the repair done , again pay for the repair before submitting the invoice so you can get paid , oh and they don't pay the vat part of the invoice”
