“Initially during 14 day cooling off period i probably should have driven 200 miles back to the garage that sold me the faulty van. I contacted Momentum Warranty reporting the issue i had with my van and enquired how to make a claim.
It was cutting out at junctions, losing power and refusing to restart half way into journeys.
i made arrangements to get a mechanic to do the warranty work, advised the Claims team and went from there.
The Van then locked me out, i got the same mechanic to spend 3 hours initially getting into the van. He made arrangements to purchase a replacement lock barrel and new key. I stood and watched him, videod him ( to send evidence to MW) carry out this work, by removing internal door panels and then struggle to get access to the old lock and remove it.
He spent 3 1,2 hours in total yet only invoiced me for 3 hours labour and i paid the local merchant £40 plus vat off £8 for the locks.
This was my first issue MW paid £130 off the £180 and basically sited this was an industry standard. Now presume what you want they are stating here that they would pay 2 hours of the 3 hours labour at £45 hour and wont pay the VAT on the receipted goods ive shown them.
I digress my van was out off action while the mechanic would investigate why it was cutting out/losing power/ stalling etc.
The mechanic came back to me and told me at first he had thought it was a faulty EGR valve. I reported this to MW.
The mechanic then ruled this out and thought it was a faulty ECU.
He was apprehensive about losing time on a garage ramp while i waited the go ahead from MW to repair my van.
I told him it needed fixed this is my new business van and it was costing me money when i couldnt work from it. As long as its fixed ive told the claims team what the issue is , he can send the invoices later and he would get paid for his work.
Before the 2nd invoice had been sent i ended up with fluid pouring from my van into on the road. This turns out to be a burst pipe from the Power Steering pump.
i made contact with the claims adviser Alasdair Combe and told him about what had happened and sent him the photos of my now useless van.
He simply said get the mechanic to call our claims team.
i asked the busy mechanic, ring this claims team please.
From day 1 i got inundated constantly with offers from text & email to extend my warranty for a further year. Very aggressive sales.
4 weeks later, the mechanic chased up getting paid for his work and i sent the invoices to Alasdair. He refused to accept MW would pay the work done replacing the pipe to the power steering pump.
They also hadnt given the mechanic authority to carry out the remedial work needed on my van, seeking reports from the ECU repairers and sited MW rules over the pipe repair.
2 nd invoice is for £385.00
3 rd nvoice is for £484
contribute that to the £50 i lost on getting replacement locks fitted on first invoice.
They have conveniently avoided paying invoices of £869.
They are refusing to ring the mechanic and listen to a professional inform them about work done.
Folk need to be wary. The main reason, i bought this van, was that the trader insisted to trust him, the van was a cracker. He could lose the MW brand, i think they're both as bad as each other.
This firm clearly spends a lot off time and money employing staff to reduce claim payouts and they make it as awkward as possible to enjoy a smooth claims process.
Trying to be honest here and move forward.
FYI my van is still suffering from the original issue i had at the start off Sep. This is what kind of sickens me. Its bad enough this firm has left me out off pocket. Im genuinely worried im going to breakdown and end up getting towed.”
“I thought this company was good but when i had a problem with my car they refused please do not have a thing to do with company as they come up with the same old excuse ( wear and Tear )”
“I thought this company was good but when i had a problem with my car they refused please do not have a thing to do with company as they come up with the same old excuse ( wear and Tear )”
“Four separate issues with our jaguar one caught in time the other three that should have been covered were not as they told me was wear and tear. I have now decided after declining their invitation to renew that I will escalate and complain. Car dealership was great but the warranty company they use are hopeless pirates and cowboys. I would strongly urge people to read the reviews and avoid at ALL costs. Just interested in taking your money and nothing else.”
“Absolutely useless tried to put in 3 claims with them totaling nearly 3k and they never helped with a single one then try to charge you extra for cancelling the useless policy”
“I was considering extending my warranty but this has put me off completely, they aggressively text me the same generic text, completely ignoring me, I've rang the company twice to which they assured me that I'd been taken off their mailing list, am still getting their annoying messages.”
“I was considering extending my warranty but this has put me off completely, they aggressively text me the same generic text, completely ignoring me, I've rang the company twice to which they assured me that I'd been taken off their mailing list, am still getting their annoying messages.”
“⸻
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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