After A Warranty

I am a qualified financial adviser so am used to dealing with policies and their terms and conditions. Although car warranties are not my area of expertise, there are generic similarities in all policies and the following observations and thoughts are just my opinion, hoping to help.

I would suggest that you get what you pay for like any protection policy, read the small print/terms and conditions. Personally I would only consider policies issued by Ford themselves. With the third party warranties, especially cheaper ones, you might find they are not worth the paper they are written on when you want to claim. I know with some you pay for the work first then have to claim back under the policy. They will then do their utmost to get out of paying by quoting various exclusions which could be hidden in the terms and conditions. There may also be an excess and claim limits. That's why the more comprehensive policies cost more. I think you also need to question which garages are applicable to use under the policy terms, i.e. would it be main dealer?

I suppose it all comes down to getting the best deal for your budget and £371 for 3 years sounds great but I'd sooner pay £349 for a 1 year warranty with Ford.