Thanks for the info Busby, you are absolutley correct. There are alternatives that I need to try first, indeed our local courts recommend this approach. I have since had expert advice about the crank pulley that broke up, they say that it would be impossible for the RAC inspector to draw accurate conclusions with the part in situ. I will get this documented. I am determined to sort this, even though they are impossible to have a rational conversation with, if you read their responsibilities you wonder why the fuss, especially over a relatively small amount.

Warning to anybody buying one of these warranties, they are (as others have stated) total rubbish. I bought ,what i thought, was a premiumplatinum policy. I had a genuine claim as my vehicle developed a vibration shortly after purchase, the phone interface was hostile with no help, they will not communicate with the policy owner, you have to pay to see an assesors report (who rely on the repairers statements) an extra £10. Customer services are a waste of time, I am 53, never claimed on any insurance and class myself as an honest fair person, they could not give a rational explanation as to why they would not pay out. These policies are an absolute rip off. I am now considering legal action as you have no redress with these fraudsters.