A Jeep main dealer diagnosed the rear differential motor had seized and needed to be replaced on a low mileage Jeep Grand Cherokee. They passed all the required information across to 20:20 Warranty and within a day or so, I received a call from a Claims handler.20:20 Warranty confirmed the part and repair would be covered under the warranty, but also advised that they typically do not work with main dealers due to the expensive labour rate.Unfortunately, it is a specialist repair and very few garages are able to do the work. After speaking to 12 different garages, only 2 were able to do the repair (one of which was the main dealer). The other garage had a 2 week lead in time and would need to keep the car for 2 weeks.I advised 20:20 that I could not be without the car for 1 month and asked if we could use the main dealer and that I was happy to pay the difference in cost for the labour rate. I was told this should be fine and that they would calculate the cost I would be due to pay. 24 hours later I received a call from a different claims handler advising that they needed an independent vehicle assessor to inspect the car and make sure the main dealer had diagnosed the correct fault. I thought this was odd, asking a non-Jeep specialist to check the diagnostics of Jeep themselves, but went along with it.The assessor came out the same day but neither of the two diagnostic tools he brought communicated with the car. Later in the week I received an email from 20:20 advising that they would no longer cover the repair as the assessor believed it was due to "electrical fatigue", ie. in their words "general wear and tear".Given the assessor could not find any fault (due to not having the correct diagnostic equipment), I could not believe 20:20 were trying to wriggle out of a repair claim they had previously said would be covered!I emailed 2020 warranty back disputing that it cannot considered "general wear and tear" and am yet to receive a response over 2 weeks later. Using the same logic, surely every electrical item in a car can be considered to suffer "electrical fatigue" over time? My advice would be to use a reputable car warranty provider that is accredited by the The Motor Ombudsman.
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