Hi all. I know this topic has been spoken about here endlessly. But I would like to share my experience. Our 2013 Qashqai's turbo greeted us last week Thursday. The Nissan warranty expired end of April this year. Before end of April I extended the warranty through Wesbank - The Engine Room - Motorite. Its an unlimited warranty as such. Paid R5200 for it - 2 years/200 000km. Car was towed to Nissan on the same day, Nissan logged the claim with Motorite. Motorite asked for diagnostics, service history and fotos. I then had to give Nissan the go ahead to remove the turbo as Motorite wanted to send out an independent assessor. If they didn't cover the damage I would be liable for the removing of the turbo as Nissan R3000.00 excl. Cost to fix the car - R38 500.00 (more or less). So of course I gave the go ahead...didn't have a choice if I wanted to get the claim approved and I know that was the process as stated in the contract.
Won't lie...I was stressing by now. When it was under Nissan warranty they just replaced left, right and center - no questions asked (except for once when the head light access hatch cover was missing.
Anyway, Thursday Motorite approved R37 700.00 (more or less). I was liable for R800.00 for burnt seals. This I also knew as the policy says they don't cover damaged parts due to overheating. Motorite did now already call Nissan and said they should consider paying some as the car is low mileage and the turbo should never have gone in the first place. Nissan has now taken this under review and is considering a payment of up to R9000.00 which could resolve me from my R800.00 part.
Won't lie...we were stressed as this took a week and as with insurance they ask many q's and it always feels like they look for a reason to decline. We kept faith and its worked out well for us - what a blessing. I didn't have R40k lying around for this. I will say...after this I am not so sure I want to depend on a 3rd party insurance warranty again. It is rather different from a manufacturers warranty and concerned we need to claim again. I just don't trust them to be honest. And I now understand why so many folks sign deals crazy deals for new cars with balloon payments and lease agreements etc. just to have a manufacturers warranty and not have to battle like this.
So its a mixed feedback - worked out well but wow was it stressful and really didn't instill any confidence in me or am I being unfair?
Won't lie...I was stressing by now. When it was under Nissan warranty they just replaced left, right and center - no questions asked (except for once when the head light access hatch cover was missing.
Anyway, Thursday Motorite approved R37 700.00 (more or less). I was liable for R800.00 for burnt seals. This I also knew as the policy says they don't cover damaged parts due to overheating. Motorite did now already call Nissan and said they should consider paying some as the car is low mileage and the turbo should never have gone in the first place. Nissan has now taken this under review and is considering a payment of up to R9000.00 which could resolve me from my R800.00 part.
Won't lie...we were stressed as this took a week and as with insurance they ask many q's and it always feels like they look for a reason to decline. We kept faith and its worked out well for us - what a blessing. I didn't have R40k lying around for this. I will say...after this I am not so sure I want to depend on a 3rd party insurance warranty again. It is rather different from a manufacturers warranty and concerned we need to claim again. I just don't trust them to be honest. And I now understand why so many folks sign deals crazy deals for new cars with balloon payments and lease agreements etc. just to have a manufacturers warranty and not have to battle like this.
So its a mixed feedback - worked out well but wow was it stressful and really didn't instill any confidence in me or am I being unfair?
, is it safe to just say it's the luck of the draw? With the stripping and no guarantees that it will be covered, what can be the reason for not covering the turbo?
