When our claim initially started it was tricky as we kept speaking to different advisors every time we called which meant having to repeat the details over and over again. However, at a point we g... Toon meer
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First time contacting Spectrum about my car warranty, so wasn't sure what to expect. Caitlin was very helpful taking the time talking through procedures and any concerns I had, even making clear wha... Toon meer
I got my car from Cargiant and I had a problem with my A/C from day one. I called Cargiant and of course Spectrum Insurance as well. Luckily, I got my warranty which I paid extra at the beginnin... Toon meer
Total scam. Sold an entirely different policy. They only authorize junk the cheapest parts available, they are not staffed, noone answers the phone, on hold for literally hours. Completely disorganize... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Spectrum Insurance Services provides a comprehensive suite of insurance products for the motor industry, including niche sectors such as Taxi and Leisure and Commercial Vehicles. Our products are supported by our market leading administration and claims handling services delivered from our Sheffield office. Spectrum motor clients have access to our Point of Sale marketing, a fully interactive Policy Registration platform – Policy Flow – that incorporates integrated demands and needs capability for insurance and consumer credit compliance.
Contactgegevens
Westthorpe Business Innovation Centre, Westthorpe Business Park, Killamarsh, S21 1TZ, Sheffield, Verenigd Koninkrijk
- 0114 321 9876
- customerservices@spectrumcover.co.uk
- spectrumcover.co.uk
4,2
Goed
856 reviews
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Dit bedrijf heeft hun klanten niet recentelijk uitgenodigd, dus reviews zijn mogelijk niet representatief
Heeft 75% van zijn negatieve reviews beantwoord
Reageert doorgaans binnen 1 week
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Pay £700 for an extended warranty…
Pay £700 for an extended warranty through motor point
No customer service standards
No warning to check your service dates (product sold fully serviced....HA)
DELIGHTED TO VOID YOUR WARRANTY with no refund when rejected
My advice. Print all your money off in £5 notes and leave them next to your toilet. Much better value and at least you're pulling your own trousers down for the money
Steer clear.
Update. Reasons provided don't really justify the rejection
Businesses who handle large sums of money for a service should provide reminders and clearer expectations. Particularly when a service needs completing within 4 months of purchase.
No goodwill. No sympathy. No refund despite being voided for 90% + of the length of the warranty. Not good enough. They do not value your custom. They do all they can to avoid paying out and leaving you stranded
Protection???? Not so sure. Scumbags
7 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We’re sorry to hear how strongly you feel about your experience and appreciate you taking the time to leave feedback.
We understand this situation is frustrating, particularly when you’ve taken out an extended warranty. However, we’d like to clarify the reason your claim was declined.
All claims are assessed in line with the warranty terms, which require the vehicle to be serviced in accordance with the manufacturer’s schedule. In this case, the service interval is 12 months or 20,000 miles. Based on the service records provided, the required service due in January 2026 was completed in March 2026, meaning it was overdue at the time the issue occurred.
As servicing within the specified timeframe is a condition of the warranty, this unfortunately meant the claim could not be accepted.
We do appreciate your comments regarding communication at the point of sale and will take this feedback on board and feedback to Motorpoint . If you would like us to review anything further, or if there is additional documentation you feel we haven’t considered, please contact us directly and we’ll be happy to take another look.
Kind regards,
Claire
Great service - thank you
Had an issue with my car today, contacted Spectrum as they under-right the warranty for Motorpoint, and can’t speak highly enough of the service. Sent me a text message with a nearby garage, who diagnosed the issue immediately. Spectrum authorised the repair with no problem. The part was then ordered and fitted same day. Special thanks to Emily who sorted everything. Thank you.
14 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We really appreciate your fantastic 5-star Trustpilot review thank you for sharing your feedback. It’s especially great to see Emily mentioned; we’ll be sure to pass along your kind words to them. Your support means a lot to the whole team, and we’re glad we could deliver a great experience.
Emily helped me sort my claim for my…
Emily helped me sort my claim for my car. She was so helpful, kind and friendly and went above and beyond to help me get it all sorted. I would like to thank her for providing a great service, she restored my faith in humans and insurance companies
13 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We really appreciate your fantastic 5-star Trustpilot review thank you for sharing your feedback. It’s especially great to see Emily mentioned; we’ll be sure to pass along your kind words to them. Your support means a lot to the whole team, and we’re glad we could deliver a great experience.
First class customer service
I would just like to give a big THANK YOU to Daniel for tsking ownership of my enquiry today regarding an ongoing fault with my vehicle. This has been ongoing for 6 months and today Daniel was very professional and methodical, clear and understanding of my issue. He is a credit to your organisation. An excellent example of customer care. Thank You Daniel for taking the time to listen to me.
10 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for the wonderful 5-star Trustpilot review we’re so pleased you had a positive experience with us. It’s great to see Dan recognised personally; we’ll make sure your kind feedback is shared with them. We truly value your support.
I am very satisfied with the service…
I am very satisfied with the service and customer service is very good and helpful
The claims advisor was very good in coordinating with the garage .
Super!
8 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star Trustpilot review we really appreciate you taking the time to share your feedback. It’s great to know you had a positive experience with us, and your support means a lot to the whole team.
LSB was extremely helpful and…
LSB was extremely helpful and knowledgeable. The claim was processed quickly and both the garage and ourselves received clear guidance quickly with no caveats
7 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star Trustpilot review we really appreciate you taking the time to share your feedback. It’s great to see Lois mentioned; we’ll be sure to pass on your kind words to her. Your support means a lot to us.
Neebla was extremely helpful
Neebla was extremely helpful, she explained things very clearly, found out additional information. I appreciated her calm and friendly manner. A credit to Spectrum.
7 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star Trustpilot review we really appreciate you taking the time to share your feedback. It’s great to know you had a positive experience with us, and your support means a lot to the whole team.
Misleading Advice, Breach of Procedure, and Systematic Claim Denial
I am posting this to warn every driver, especially fellow taxi drivers, to stay far away from Spectrum Insurance and Car Giant White City. I was upsold a "specialist" taxi policy for £1,600—specifically paying a £400 premium over standard drivers—on the promise that my income would be protected. Instead, these companies have left me in a state of extreme financial distress.
The Reality of Their "Service":
Deliberate Misdirection: When my hybrid cooling system failed, Spectrum gave me ambiguous instructions that were a setup for failure. They failed to explain the pre-authorization process, leaving me to pay £2,652.62 out of pocket in good faith, which they then used as a technicality to refuse reimbursement.
Systematic Denial: When the issue recurred weeks later, I followed their "proper procedure" to the letter. They still refused to pay a single penny toward the additional £565.00 bill. This proves that their procedures are nothing but a smokescreen to avoid paying valid claims.
Financial Ruin: I have been forced to carry over £3,200 in repairs on high-interest credit cards, accruing massive debt while struggling to pay my mortgage. As a taxi driver, my car is my only source of income. Spectrum’s passivity and lies have caused me months of unnecessary stress and pushed my household finances to the breaking point.
The Verdict:
Car Giant White City and Spectrum Insurance are misleading liars. They are quick to take your money at the point of sale but will abandon you the moment you actually need the protection you paid for. They have shown zero regard for the fact that they are jeopardizing a working person’s home and livelihood.
Do not trust a word they tell you. They do not provide insurance; they provide expensive pieces of paper and then move the goalposts to ensure you are left carrying the bill.
I am finished playing their games. I am now demanding a final response and will be taking this straight to the Financial Ombudsman Service (FOS) for a full investigation into their predatory practices.
7 november 2025
Review zonder uitnodiging
Range rover ref lsb
Made a phone call to spectrum and they dealt with it straight away garage was local and it was sorted with no problems
Ref lsb
1 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your Trustpilot review we really appreciate you sharing your experience. It’s great to hear that our team were helpful throughout your claim.
We’re especially pleased to see your kind words about Lois.
Thank you again for your support.
I dealt with nabeela,great service
I dealt with nabeela and she was brilliant, explained everything succinctly and with a pleasant personalities, a pleasure to do business with. We have had spectrum warranty previously and they have been great when I have made a claim, no stress and they dealt directly with my picked garage.
31 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star Trustpilot review we really appreciate you taking the time to share your feedback. Your support means a lot to us.
LSB was brilliant in customer services
LSB was brilliant in customer services.
She dealt with the issue I raised and constantly kept in contact with me with updates that I needed.
27 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for the wonderful 5-star Trustpilot review we’re so pleased you had a positive experience with us. It’s great to see Lois recognised personally; we’ll make sure your kind feedback is shared with them. We truly value your support and hope to assist you again in the future.
-LSB
I had no issues at all whilst dealing with Spectrum. They have been very helpfull.
24 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for the wonderful Trustpilot review—we’re so pleased you had a positive experience with us. It’s great to see Lois recognised personally; we’ll make sure your kind feedback is shared with them. We truly value your support and hope to assist you again in the future.
Very happy with the service I received
Very happy with the service I received. LSB was good and gave me all the information I needed
23 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star Trustpilot review we really appreciate you taking the time to share your feedback. It’s great to know you had a positive experience with us. Your support means a lot to the team, and we look forward to helping you again in the future.
Core Values missed
As a company who claim customer satisfaction is core of their business,they missed me out.
Sent my car to a small garage who diagnosed a software issue they couldn't repair.
Advised spectrum who gave permission to go to a main dealer who guess what ? Diagnosed a software issue!
Spectrum then refused to pay for the software issue citing Ts & C's ( fair enough) but to then refuse to pay the main dealer fee for the second ( same ) diagnosis that I had to pay ! So, £699 for warranty and a month of being messed about .
Certainly cannot recommend.
18 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We’re sorry to hear that you’re dissatisfied with your experience and appreciate you taking the time to share your feedback.
Following assessment, the fault identified with your vehicle was confirmed as a software-related issue. As outlined in the terms and conditions of the warranty, software and programming updates are not covered, as the policy applies to mechanical and electrical component failures only.
In relation to diagnostic costs, these are only covered where a valid claim is established under the warranty. As no covered mechanical or electrical failure was identified, we were unable to authorise reimbursement of these costs in line with the policy terms.
We can see from our records that you were advised you could take the vehicle to a main dealer for further investigation, with the understanding that any costs would remain subject to the terms and conditions of the warranty, including claim validation and labour rate limits.
We appreciate this may not be the outcome you were hoping for; however, the claim has been assessed and settled in accordance with the warranty conditions.
Kind regards,
Claire
People that are professional and helpful
Today I made a claim, Lisa and LSB were very helpful and made things so easy, I want to thank them both for there expert help and guidance with my claim, Lisa and LSB thank you so much your both fantastic.
17 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We really appreciate your fantastic 5-star Trustpilot review—thank you for sharing your feedback. It’s especially great to see Lois and Linzi mentioned; we’ll be sure to pass along your kind words to them. Your support means a lot to the whole team, and we’re glad we could deliver a great experience.
Excellent service and communication…
Excellent service and communication especially Cailin who dealt quickly with claim
13 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We really appreciate your fantastic 5-star Trustpilot review—thank you for sharing your feedback. It’s especially great to see Caitlin mentioned; we’ll be sure to pass along your kind words to them. Your support means a lot to the whole team, and we’re glad we could deliver a great experience.
No helpful information and people
No helpful information and people
5 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for taking the time to share your feedback. Customer satisfaction is at the core of our values, and we are fully committed to addressing and resolving any concerns raised.
At present, we are unclear as to why a negative review has been submitted, as we have not yet had the opportunity to assess or progress your claim.
You initially contacted Spectrum regarding an issue with the reversing camera on your vehicle and advised that you had already taken the vehicle to a repairer of your own choosing. However, we were informed by the repairer that no diagnostic work had been carried out, meaning they were unable to confirm the cause of the issue or provide details of the required repairs and associated costs.
You subsequently spoke with my colleague, who explained that authorisation would be required from you for diagnostic work to be carried out. This is standard industry practice for warranty and insurance claims, as a diagnosis is necessary before any claim can be assessed.
At the time, you indicated that you were reluctant to authorise diagnostic work, and to date we have not received any quotation or repair estimate from the repairer. As a result, your claim remains open and pending further information.
I would be more than happy to discuss any concerns you may have. Please feel free to contact me directly if you would like to review the matter further.
Kind regards,
Pete Cudworth
LSB - Life saving angle
The lady LSB really helped me a lot with my warranty claim for my new car. And ongoing issue for 2 months and she was very patient, understanding and walked me through each step of my claim. Great experience and I can't thank her enough for being so kind and caring throughout.
4 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We really appreciate your fantastic 5-star Trustpilot review—thank you for sharing your feedback. It’s especially great to see Lois mentioned; we’ll be sure to pass along your kind words to them. Your support means a lot to the whole team, and we’re glad we could deliver a great experience.
This is the worse warranty company you…
This is the worse warranty company you can ever get , is like you don’t have warranty at all , I call because I have a problem whit my car they send me a list of garages that are the worse ones from my area they will damage your car than fixed your car but obviously they work whit them because is cheaper for them , anyways after I pay for the diagnostic myself they told me that they will get back to me or the warranty company to let me know if the fault of the car is under warranty is been mong time and neither the company or the garage contact me is like they want me to forget or get tired of waiting and get it fixed whit my own money the don’t care about your car they just want to sell a product which it doesn’t exist when you really need it so please avoid this scammers because that’s how you feel when you buy this non existing service
AVOID, AVOID, AVOID!!!
2 februari 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for taking the time to share your feedback. Customer satisfaction is at the core of our values, and we are fully committed to addressing and resolving any concerns raised.
We are unclear as to why a negative review has been submitted, as we have not yet had the opportunity to assess or progress your claim. Our only communication from you was on 24th February, when you contacted us to report a knocking and squealing noise from your vehicle. At that time, we explained the claims procedure and provided you with a choice of four nominated repairers.
To date, we have not received any further communication from you or from a repairer regarding this matter.
I would be more than happy to discuss any concerns you may have about our service directly. I understand that one of my colleagues has since been in touch and is now liaising with the repairer to review any faults identified.
Please feel free to contact us so we can ensure this matter is resolved promptly and to your satisfaction.
Totally rubbish company
Totally rubbish company . Trust me don’t waste your money
23 februari 2026
Review zonder uitnodiging
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