new to the forum and came here because a search on the interweb gave some great information from this site.
My problem is that I bought a Dodge Journey diesel auto in April last year. As the garages warranty had run out, and I had some spare cash, decided to take a warranty out as Im not dripping with cash and as this is the most expensive car I had (with finance) wanted to ensure I could always get it repaired.
It seemed good timing as less around a month later and with 730+ miles extra on the clock, when pulling out of a junction on my way to work, the gearbox gave up with a big bang and would not move
I called WarrantyWise who advised me to take to a VAT registered garage etc and get them to call them. The first garage I went to, a normal place, would not check it as they said it would need to be looked at by a specialist. I then booked in with a gearbox garage, who would deal with warranty firm as well (altho, the man on the reception gave me some horror stories bout warranty wise - couldn't happen to me could it?)
The garage have deducted that the mechatronic unit has failed, leading to issues with the clutch etc - Im not sure of the full details but in total they advised to repair would cost around £4,500. They sent the details to warranty wise who requested an independent inspection, the garage requiring my authority at this time as this would mean them having to fully strip the garbox so would then put me into a £6-800 debt with them.
I decided to go ahead as required repairing but then......an email advising claim denied. They have denied with the following information :
"The reason for the decline is your repairer wishes to replace the
following parts on your vehicle:
1) MECHATRONIC UNIT ASSEMBLY
2) FRONT CLUTCH ASSEMBLY
Unfortunately the Mechatronic assembly is specifically excluded on the 9.4 08/80 level of cover you
currently hold and therefore we cannot consider this request.
We have also received the independent engineers report and he has concluded that the forward/dual
clutch has become damaged consistent with a failure of the mechatronic unit and is a fault common to this particular type of transmission which the repairers have previous experience of.
The independent engineer would also have to consider in all reasonable probability that due to the elapsed mileage since plan inception he would have to consider the fault to be progressive and that the fault would have been developing at the time of plan inception or at best the unit was compromised leading to the current defect."
In respect of the exclusion of the mechatronic unit, this is due to the following information re gearbox and transmissions :
"Parts included : All Internal mechanical and electrical parts of gearbox, transfer gearbox, torque convertor and overdrive (but excluding SMG and DSG hydraulic actuator, internal oil cooler or radiator)"
I have now checked on the internet and would seem that the hydraulic actuator is within the mechatronic unit, so I honestly am not sure where I would stand on this. When I mentioned this to WW, they advised that as te mechatronic unit is not an internal part of the gearbox, this is not covered anyway (although, I again have pointed them to several sites where it advises this unit sits inside the DSG). But as I say, Im not a mechanic so I may be totally wrong and it may be an excluded part.
What has irked me, and Im hoping someone can really help me with on here, is the fact they are using wear and tear, and the fact that this unit is well known for being a problem, to deny the rest of the claim. The car was running fine up until that moment, so as it requires repair before being able to be used, this should be down to sudden and unexpected failure. As I have advised them, all the reviews I read none of them mentioned an issue with this gearbox (it was normal car reviews) so how would I, a layman, have known there was issues with this? They seem to be using the fact that as these boxes are well known in 'the trade', then that should have been all I needed to know.
There is a lot more I could put on here, but if anyone could try and help me and would like more information, please let me know.