So in the end, you are paying $700 of a $5500 repair bill. While not ideal, it IS a cheap repair for you. You also has your own insurance to cover vehicle salvage etc
Pretty much ALL mechanical warranty's refuse to pay for "consumables" such as filters/ oil etc.
I totally agree that the "oil" in this case appears to be rather excess in price but it's how they minimize some of the cost to them. You also got a "free" mechanical warranty with the car so are effectively getting a free $5500 trans repair, (by the time you add on what those warranty's normally cost)
Can you really blame the dealer & warranty insurance company for not wanting to pay the entire cost of repair?
mrfxit,
Sep 25, 5:03am
Non of this is ideal, but you have had the vehicle for 6 months & have covered a modest amount of kms & that trans repair probably is about half the value of the 2006 car that would be out of factory warranty by about 10 years.
Sounds like a cheap repair bill for you on a (relatively) cheap s/h car with a free mechanical warranty.
Ideally the repair should be free. In the real world it isn't free & the dealer & insurance company have no real idea of how the vehicle has been treated in the last 6 months
kazbanz,
Sep 25, 5:25am
You have owned a 2006 commodore for 3000km and 6 months. The vehicle has travelled only 112000km You have three choices as I see it.
1) suck it up-pay the $600 and thank gosh you got a Mechanical breakdown insurance. 2)STOP all work and tell the dealer its TOTALLY his problem.You want your money back. After 3000km I can tell you exactly what DT will tell the dealer.
3)get the work done and tell the dealer it is up to them to pay the excess etc.-So they are getting off lightly.
with either option 2 or 3 you need to e mail or snail mail the dealer so there is a paper trail.
The above advice is on the basis that the tranz failed for no external reason. For example the car had huge quantities of rubber stuck up under the rear wheel arches.
A total failure of the transmission is a substantial failure of the vehicle so is right to return the vehicle.
rpvr,
Sep 25, 6:48am
Just out of curiosity, what is the correct approach when something like this happens and the dealer has thrown in a mechanical warranty as part of the purchase? Bearing in mind that the CGA requires a buyer to give the dealer a chance to rectify the problem first. I'm picking most dealers would say "that's what the warranty is for". But warranties do have an excess to pay.
kazbanz,
Sep 25, 7:41am
rpvr-the answer is a bit long winded I'm sorry, Because nowadays you can pay a small amount of money to the gubbiment to become a licenced trader there has been a huge influx of dealers who genuinely don't know a customers legal rights. There is no requirement for training of any sort to run a "dealership" One quite prominent used dealership at the moment has been in hot water for this very issue. There are also those dealers who decide to play the odds. Tell 10 customers to claim on their MBI and 9 of em will do just that. So you pay the excess on one claim. heaps cheaper than 10 and even more cheap than paying out for all the repairs you would cover under the CGA. Then unfortunately there are the just plum dishonest dealers.-most of those It seems are "backyarders" -in it for the quick buck. A DECENT dealer in this situation would do the right thing by their customer and pay the excess. When it comes to fluids etc -a GOOD dealer will pay that charge too. One interesting point is where there is the option to replace a failed component with one of equal age that hasn't failed VS a brand new component.
tamarillo,
Sep 25, 7:45am
I'm with others, dealer is getting off light telling you to use warranty. Cga surely applies and it's their problem.
tamarillo,
Sep 25, 7:47am
I don't see that the purchased warranty is ever free. It's part of deal, negotiated. If you said no to it what would the price be then?
kazbanz,
Sep 25, 7:51am
SOME dealers will not sell certain makes/models unless a warranty is built into the deal. it is that simple. As a buyer you have the option. Buy the car with MBI or don't buy the car. The option of buy car with no warranty isn't available.
mopsy3,
Sep 25, 8:16am
Should be the dealers problem, not yours, end of. The insurance company would love to know that the dealer has told you to go through them instead of him. It's a dealer ripping off the system to cover his own ass. But in saying that. Your policy quite clearly says it doesn't cover fluids etc, you should have argued the point before you drove off not after the fact.
tamarillo,
Sep 25, 8:32am
Ok. no choice then, but still built in, so we can think of it as bought?
llortmt,
Sep 25, 9:02am
Yes I never knew this until recently??
kazbanz,
Sep 25, 9:20am
No your choice is--take the car with MBI or don't take the car. You do have a choice. The thing is that as much as the public have rights under the CGA etc they still want to buy cars with a rep for mechanical issues. That would be fine if they accepted that and paid for the decision THEY made. But in our society its always someone elses fault. --They WILL expect the dealer to pay.
kazbanz,
Sep 25, 9:32am
You can't see why they were insisting on a MBI? Any room to build anything like an MBI into the price was gone because it was at a lower price than anywhere else.Nowadays its VERY rare to "steal' a trade in.So the other ones were at the proper price this one was so cheap there was no room to build in a MBI in leu of discount. And there is no way the dealership would want certain makes/models leaving without a MBI. -Think timebomb going tick tick tick--its not if it is when it gives issues.
321mat,
Sep 25, 9:44am
IS the warranty underwritten by Lumley Insurance?
I had a similar issue a few years ago, and they pulled this same stunt.
kazbanz,
Sep 25, 9:50am
Its not a stunt-unless you go for the very top cover its standard practice to pay for consumables. Ie stuff you will pay for anyway. maybe sooner than expected but none the less you expect to change oil,replace spark plugs et whilst owning a car. -Don't shoot the messenger but that's the way it is.
llortmt,
Sep 25, 1:18pm
Yes I know it would have been trouble, everyone except a guy called Alex near Tepuke, who has never been in the motor trade in his life and has now gone into hiding due to an emissions scandal and is thus forced to sell pies for a living is in agreement there! I just think it??
clatty,
Sep 25, 1:40pm
We purchased a new tractor a while back that blew a piston . tractor was under warranty but cost $2000 for oil etc and cartage of tractor. There is no free lunch in this world. No guarantee for consumables
rpvr,
May 11, 4:06am
Many years ago I worked for an insurance company, and whether or not we paid for consumables depended on whether the need to replace them was a consequence of the accident. For example, the radiator is damaged in a collision and requires replacement. Naturally such replacement requires the coolant to be replaced as well. The whole cost to get the car back to pre-accident condition was paid, minus the excess. So why is mechanical repair insurance any different?
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