I just did this and they said I can cancel if I sell the car at any time and stop the payments
Thanks, so book the car in for a £350 major service, make one monthly payment of £33, sell car, cancel payments.
Sounds almost too good to be true?
Highly unlikely IMO.
Just looked at the Warranty terms and conditions of this ‘All In’ product. There is a right of cancellation, but it’s just the normal cancellation within the 14 day cooling off period as required under consumer legislation. The cancellation clause also states that
once the performance of any services under the agreement is expressly requested within that 14 day period, you lose the right to cancel. The word ‘Agreement’ is defined (under ‘Meaning of Words’) and that definition includes Roadside Assistance and the Service Plan.
So my interpretation (for what it’s worth) is that you can cancel within the first 14 days, but only if you’ve not asked for a service to be performed under the agreement, whether that service is a physical car service, a warranty claim or roadside recovery / assistance. Outside of the 14 day cooling off period, there doesn’t appear to be any right of cancellation.
The T’s and C’s are well hidden - they can be accessed at the link in the text circled in red on the last page of the ‘All in’ booklet - screenshot below. The ‘All in’ booklet is at the following link;
https://www.volkswagen.co.uk/idhub/content/dam/onehub_pkw/importers/gb/owners/service-plans/all-in/All-in-Driver-Guide.pdfFor anyone who’s modified their car and might be considering buying this product, there’s a modified vehicles exclusion under the warranty cover - exclusion no.6. The exclusion is really restrictive and specific;
This cover does not cover any injury, failure, loss or damage caused by, arising from or in connection with the following;
6. Vehicles modified in any way from the original manufacturer’s specification.
It doesn’t say that only loss or damage connected to the modification is excluded, it’s
any injury, failure, loss or damage. So taken literally, if someone fitted a set of aftermarket wheels, or a lip spoiler and the turbo failed, the claim could be declined. To me, that’s bordering on the warranty being a worthless product. Maybe something to be checked with VW over their interpretation of that exclusion and if it’s an unfair term or unreasonable, then maybe it needs to raised with the FCA or FOS.
I can remember a young guy over on the VW Polo forum who wanted to make some minor cosmetic changes to his approved used Polo (I think he was considering fitting new door mirror caps and tailgate spoiler). The VW ‘Approved Used’ warranty had a similar exclusion and when he queried it with VW, they told him by making the cosmetic changes he wanted, he’d invalidate his entire warranty!