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Warning: Mechanical Warranty That Rejects Claims on Technicalities

I purchased a mechanical warranty from MYSURE Underwriting Managers after buying a second-hand vehicle that was already out of factory warranty, expecting protection against major mechanical failures. When my Volkswagen Jetta suffered a clutch failure, I submitted a claim, provided photos, and retained the failed parts. The vehicle was repaired urgently because it is required for daily work and family transport. MYSURE rejected the claim, citing: Repairs done without prior authorization Alleged late submission Claiming the failure was due to “driving technique” or misuse In my experience, once a vehicle is out of factory warranty, almost any failure can be labelled as wear and tear, misuse, or poor driving, making it extremely difficult for consumers to ever successfully claim — even when they have paid for warranty cover. This creates the impression that the warranty offers limited real protection when you actually need it, leaving customers to carry the full financial burden of repairs. The matter has now been escalated to the FAIS Ombudsman and other consumer protection bodies due to concerns about fairness and claims handling. My advice to other consumers: If you are buying a mechanical warranty for a second-hand vehicle, be very cautious, read the fine print in detail, and don’t assume the warranty will cover failures — as exclusions and technicalities may leave you paying out of pocket.