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
855 reviews
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My car is under warranty with motor…
My car is under warranty with motor point and needed to process a claim through the garage. Jake was really helpful getting the claim sorted for me and was very smooth process start to finish.
11 mei 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for taking the time to leave your review.
We are really pleased to hear that your claim process went smoothly from start to finish and that Jake was able to assist you throughout the process. We know how important it is to make claims as straightforward and stress-free as possible, so it is great to hear this reflected in your experience.
We will ensure your kind comments are passed on to Jake and the wider team.
Thank you again for your feedback and for choosing the Motorpoint warranty administered by Spectrum Insurance Services.
Kind regards
Claire
Overall excellent service although…
Overall excellent service although sometimes waiting times can be lengthy when phoning to start claim but once established the process is easy and quick and have no negative dealings with this company and staff are helpful
Some issues getting repair companies to communicate with spectrum but have always found a way around this
All in all at 74 the best warranty Co I have come across
11 mei 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you, Stephen, for taking the time to leave your review. We really appreciate feedback.
We are pleased to hear that, once your claim was established, you found the process straightforward and the team helpful throughout. We also appreciate your patience regarding telephone waiting times and communication delays from some repairers. We know this can sometimes be frustrating, and we are continually working to improve both our response times and the overall customer journey.
It is especially appreciated to hear your comments regarding your experiences with warranty companies over the years. Feedback like this means a great deal to the team.
Thank you again for your support and for choosing Spectrum.
Kind regards
Claire
Extremely frustrating claim experience
I have been with Spectrum Insurance Company for two years and today had to make my first claim( i tried to do 2 other claims priorly but after all gave up and paid myself), which I honestly never wished to do.
My Volvo XC60 developed a headlamp malfunction. I provided evidence from the service centre showing exactly what the fault was. Spectrum then asked me for an estimate, which I also provided. They have a very limited list of agreed service centres, so I had to find a suitable garage myself.
After all of this, Spectrum contacted the service centre directly, and now they are asking me to book yet another appointment at the garage so someone can take a photo of whatever is broken. This means more wasted time and more cost for me, even though I have already provided the evidence and estimate they requested.
The whole process feels like a joke. Instead of helping with the claim, it feels like they are just trying to find reasons not to pay anything.
For a first claim after two years of being a customer, this has been extremely frustrating and disappointing. I would not recommend them at all.
7 mei 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your feedback. We are sorry to hear you have been disappointed with the claims process.
Having reviewed your claim, we can confirm the claim has not been declined. We initially received an invoice relating to a replacement battery, however batteries are excluded under the warranty terms and conditions. We then requested an estimate relating to the reported headlamp malfunction and rear axle level sensor fault in order to progress the assessment of the claim.
In order to establish whether the failed components are covered under the warranty, we do require the exact cause of failure (XCOF) together with supporting evidence from the repairing garage. This allows us to ensure the claim is assessed fairly, accurately and in line with the warranty terms and conditions.
Under the warranty process, the repairing garage is required to provide the exact fault and relevant supporting information before repairs can be authorised, and the claim administrator reserves the right to request further evidence or inspect the vehicle where required.
We appreciate this may feel frustrating, however these steps are part of the standard claims assessment process and are not intended to avoid valid claims.
Thank you again for taking the time to leave your feedback.
Kind regards
Claire
The lights are on but nobody is home
Previously my dealings with Spectrum have been great, they sorted any issues out with a minimum of fuss.
But recently things have changed. It has been nearly 2 weeks since I tried to get in touch with them to put a claim in. Nobody is picking up the phones. Nobody is doing callbacks and my emails have been ignored.
I finally dug out an old direct email of Elle in the payments team and she was polite and courteous enough to reply promptly, but was unable to help as it had to go to another team.
Looking at recent reviews this doesn't seem to be an isolated incident, so whatever has changed at Spectrum has been for the worse and is extremely disappointing given the previously excellent levels of service.
*edit* Well the ball now seems to be rolling (maybe from this review?) and a helpful chap named Daniel has been in touch. Hopefully things go more smoothly now. Will update as the claim progresses.
24 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your feedback. We are disappointed to read your comments, particularly given your acknowledgment of the positive service you previously received from Spectrum.
Following a full review of our records, we can confirm that you contacted us on 02/04/2026 and spoke with a member of our team regarding a warranty query. We also received correspondence sent to our accounts department on 06/05/2026, which was responded to via telephone on 07/05/2026.
However, we have no record of a telephone call being received on 24/04/2026, nor can we locate the email you state was originally sent to our claims inbox on that date.
As your policy expired on 26/04/2026, we will need to validate that any claim notification or request for authorisation was submitted prior to the expiry of cover. To assist with this, we would ask that you forward the original email in its original format, including timestamps/headers where possible, together with any supporting call logs evidencing attempted contact, to "Customer Services" [Customerservices@spectrumcover.co.uk](mailto:Customerservices@spectrumcover.co.uk).
We always aim to provide a professional and responsive service and take all feedback seriously. Once the requested information is received, we will be happy to review the matter further.
Kind regards
Claire
Avoid!!
Avoid. A completely useless warranty. We bought an extended warranty for a car which we bought for an extra £900 and they have refused to pay up. They have come up with all sorts of spurious arguments to try and avoid paying out, attempting to rely on exclusions in the terms and conditions. We now have to go to court to get our money back. Incredibly unhelpful customer service and impossible to get hold of.
7 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We are sorry to hear of your dissatisfaction with the outcome of this claim.
As previously explained in response to the original review left regarding this matter, Spectrum acts as the administrator of the Motorpoint warranty product and all claims are assessed strictly in accordance with the terms, conditions and independent technical evidence obtained during the claims process.
Following inspection by an independent engineer, it was confirmed that the thermostat housing had failed, resulting in coolant loss and subsequent engine overheating. The warranty provided cover for the failed thermostat housing and associated repairs; however, consequential engine damage resulting from overheating is not covered under the terms of the warranty.
We appreciate your comments that no warning indicators were observed at the time and understand how frustrating this situation has been. However, the claim decision was based on the engineer’s findings, the applicable policy wording and the terms of cover in place.
For transparency, copies of the engineer’s reports, the relevant policy wording and the applicable warranty clause have all been provided directly to the policyholder during the handling of this claim.
We also note that another review relating to the same claim matter has already been responded to in detail. As this review concerns the same circumstances, we do not intend to duplicate the full claims response publicly again.
Whilst we appreciate this was not the outcome hoped for, we strongly dispute any suggestion that claims are assessed unfairly or without proper investigation.
Kind regards
Claire
I did spoke on 10/04/2026 with Spectrum…
I did spoke on 10/04/2026 with Spectrum Insurance to make an check on the car because of oil leak. They provide for me 2 of them partner near me and I had to call them by my self to make an appointment . On 17/04/2026 the recommended garage they check my car.
On 01/05/2026 I receive a email from Spectrum say that they don't cover entire cost of repair but the issue is leaking oil from engine gasket and this is not made from bad manner driving or wear or tear. Is nearly 1 month since I enquire the repair and still waiting for some decision and also I was advice from Spectrum to don't use the car during the waiting time. They don't give me a replacement car to can keep that car just as a model on my driveway.
5 mei 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Hi Marian,
Thank you for taking the time to leave your feedback. We are sorry to hear you have been dissatisfied with your experience.
Having reviewed the claim, we can confirm the fault was reported to us on 10/04/2026 and you were provided with details of local network repairers in line with the warranty claims procedure. The vehicle was subsequently inspected by Bimmer Ltd, who diagnosed the issue as a leak from the crankshaft rear oil seal.
Under the warranty terms, repairs are authorised in accordance with recognised manufacturer or industry-standard labour repair times. Following review of the estimate submitted by the repairer, the claim was authorised for £811.13 including VAT, with labour agreed in line with the policy terms.
Whilst we appreciate your comments regarding the cause of failure, the warranty terms explain that oil seals and gaskets are not covered where the failure is considered wear and tear related. Following further review of your claim and the vehicle eligibility, assistance was still authorised towards the repair costs.
In relation to a replacement vehicle, the warranty provides a contribution towards hire costs only where the authorised labour repair time exceeds 8 hours as listed within recognised repair manuals. Delays relating to booking repairs or awaiting parts are not included within this benefit.
We do appreciate your frustration regarding the overall timescales and communication throughout the process and will take your feedback on board internally.
Kind regards,
Claire
Spectrum warranty a joke
I bought a very nice and quite new second hand Nissan Qashqai and decided a warranty would be a good idea so paid an extra £900 for a warranty which was a Spectrum warranty. Everything was fine and I really liked my new car. Six months later out of the blue while driving on a cold wintry night the car overheated and lost power due to a broken thermostat casing. There was absolutely no warning - no warning lights flashing, nothing at all to alert us to what was happening.
And now shockingly we have been told that the car needs a new engine and our Spectrum warranty does not cover the cost because the car overheated and we shouldn’t have driven a car that was overheating even though we were unaware of the situation. Spectrum have assessed the case and have decided that they will only cover the cost of the snapped thermostat casing - £361.19 - which caused the subsequent overheating of the engine. I paid £11,000 for the car which I have now lost and I have no car. Nor did Spectrum cover the cost of a car hire while I waited more than 4 weeks for their assessment. During the four weeks I heard almost nothing from them and had to call and wait on hold for ages to ask them for updates. I am deeply shocked by my experience.
19 maart 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We are very sorry to hear how disappointed you are with your experience and appreciate how upsetting this situation has been.
Following your claim, an independent engineer’s inspection confirmed that the thermostat housing had failed, causing coolant loss and engine overheating. While the Motorpoint warranty covered the failed thermostat housing and associated repairs, the warranty terms do not provide cover for consequential engine damage caused by overheating or where damage occurs after a fault has developed.
We note your comments that there were no warning lights or indications that the vehicle was overheating at the time and appreciate how frustrating this must have been. You may wish to raise this aspect directly with Nissan to establish whether any warning systems should have activated under the circumstances described.
We also recognise your dissatisfaction with the timescales and communication during the assessment process, and we apologise that the level of service provided did not meet expectations.
Complex engine failures can take time to fully assess, particularly where independent inspections and technical reviews are required, and we aim to ensure that all available information is reviewed thoroughly before confirming a claim outcome.
With regard to the hire vehicle costs, Spectrum acts solely as the administrator of the Motorpoint warranty, and any entitlement to additional benefits is governed by the terms and conditions of the Motorpoint warranty cover.
We understand this was not the outcome you were hoping for and appreciate you taking the time to share your feedback.
Kind regards
Claire
Great customer service
Great customer service, everyone I spoke to was very helpful but special thanks to Lois!
1 mei 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your wonderful feedback.
We are delighted to hear that you received great customer service from the team and that everyone you spoke with was helpful throughout your experience. A special thank you for recognising Lois as well — she is a valued member of our team, and comments like yours are greatly appreciated and reflect the excellent support she provides to our customers.
Thank you again for taking the time to share your experience.
Thanks
Claire
Reimbursement
Great support from Emily to resolve a reimbursement issue. Listened to issue at hand and resolved in a professional manner.
29 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for taking the time to leave such positive feedback.
We are delighted to hear that Emily was able to assist you and resolve your reimbursement query professionally and efficiently. Emily is a valued member of our team, and comments such as yours truly reflect the high level of service and support she aims to provide to our customers every day.
We really appreciate your support and thank you for choosing us.
Kind regards
Claire
Nabeel was professional and helpful.
Nabeel was professional and helpful.
Answered a lot questions and helped us choose the right policies. Not rushed or pushy.
A welcome change from too many after simply trying to "close the deal'.
Highly recommended.
28 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star review!
We’re really pleased to hear that Nabeela from our sales team provided such a professional and helpful service. Taking the time to answer your questions and guide you towards the right policy without any pressure is exactly the experience we aim to deliver.
It’s great to know this stood out to you, and we’ll be sure to pass on your kind feedback to Nabeela. Your recommendation means a lot to us.
Thanks again for sharing your experience!
Antwoord van Spectrum Insurance Services
Thank you for your 5-star review!
We’re delighted to hear you found our service quick and easy that’s exactly what we aim for. Your feedback is greatly appreciated and helps us continue delivering a smooth experience.
Thanks again for taking the time to share your thoughts!
Had issue with garage of my repair
Had issue with garage of my repair , issue took a while to resolve but Emily was fantastic and sorted the issue in minutes a refreshing change to speak to someone so helpful
27 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for your 5-star review!
We’re sorry to hear there was an issue with the garage during your repair, but we’re really pleased that Emily was able to step in and resolve it quickly for you. We’ll be sure to pass along your kind words to her she’ll be delighted to hear them.
Providing helpful and efficient support is exactly what we strive for, so it’s great to know this made a difference to your experience. If you ever need anything else, we’re here to help.
Thanks again for your feedback!
I was having gearbox problems with my…
I was having gearbox problems with my Ford Ecosport . I took it to Fords for assessment & the quoted £7000.00 for replacement, I remembered that I took out a warranty when I purchased my car from car giant . I called them & they directed me to contact Nick at Brittanic Auto Transmission. He arranged for collection & advised what was wrong. I was apprehensive giving him authorisation to identify cause of fault but after speaking to Nick he made me see that the car with no gearbox working was not the way forward & had to be fixed either way . Within a day of authorising Brittanic then liaised with spectrum & Andrew came back to me with good news . My claim was successful. Big Thank you to Andrew Ward for looking in to it ASAP . Thanks to spectrum team for returning faith
24 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you for taking the time to share your experience with us.
We’re sorry to hear about the issues you experienced with your gearbox it certainly sounds like a stressful situation. However, we’re pleased that you were able to make use of your warranty and that the process moved forward smoothly once the issue was identified.
It’s great to hear that Andrew was able to step in quickly with a positive outcome. He is a great member of our team, and your appreciation for his prompt support will be shared with him. We’re also glad that the collaboration between all parties helped get things resolved efficiently.
Restoring your confidence is very important to us, so it’s encouraging to know we were able to support you when it mattered most.
If you need anything further, please don’t hesitate to reach out.
Kind regards,
Claire
Do not use this company
Do not use this company. I took out tyre and alloy insurance for a brand new car. I was not made aware that pictures had to be provided - why this is a requirement on a brand new car I still do not understand! A used car I can see why this would be required. I have had multiple previous tyre and alloy insurance policies and this has NEVER been a requirement. Unfortunately, I slightly damaged an alloy before being made aware of this stipulation. I was confronted with complete inflexibility and a complete lack of customer service or even appreciation of a customer. I ultimately decided to cancel the policy and get a refund. It's a shame as Direct Gap who sold the policy are very customer focused. Avoid Spectrum and find another insurance company that won't rip you off.
23 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
We’re sorry to hear about your experience and appreciate you taking the time to share your feedback.
While we did not sell or arrange this policy, we can confirm that the terms and conditions including the requirement to submit pre-cover condition images within 14 days form part of the policy documentation and are confirmed at the point of sale.
These images are required to establish the condition of the vehicle at the start of cover and to ensure claims can be assessed fairly.
We understand this may not always be expected, particularly if you’ve held similar policies elsewhere, and we’re sorry for any frustration caused.
Kind regards,
Claire
I had an issue with my car which was…
I had an issue with my car which was covered by an extended warranty taken out when I bought the car from Motorpoint. I was extremely impressed by the efficiency and quick response to my call and the fact that follow emails kept me informed of what stage my claim was at. This morning (only 3 days after my initial call) dealing with Andrew was the very best experience of customer service that I have ever received. He kept
me on the line whilst he liaised with my garage and then with his technical team and was able to resolve the issue there and then, sending me a text with the agreed recompense. I feel he was sympathetic with my request, very courteous and professional. A credit to his company.
23 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you so much for taking the time to share your experience.
We’re delighted to hear that your claim was handled efficiently and that our team kept you well informed throughout the process. It’s especially great to know that Andrew provided such outstanding service he is a great member of our team, and your kind words about his professionalism, courtesy, and dedication will certainly be passed on to him.
Providing clear communication and a smooth, supportive experience is something we strive for, so it’s rewarding to hear that reflected in your journey with us.
If there’s ever anything more we can assist you with, please don’t hesitate to get in touch.
Kind regards,
Claire
I have a 3 year extended warranty with…
I have a 3 year extended warranty with Spectrum Services for my car.
They have just authorised a £300 job to be done on my car with no quibble whatsoever!!!!!
Highly impressed with how quickly efficiently and courteously they completed this for me plus regular correspondence throughout!!
I can HIGHLY recommend this company for any insurance or warranty covers. Thank you so much Mr M Dobney.
21 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you very much for your kind words, Mr Dobney.
We’re delighted to hear that you were happy with the service and that everything was handled smoothly. Your feedback means a great deal to us, and we truly appreciate your recommendation.
If you ever need any further assistance, please don’t hesitate to get in touch.
Kind regards,
Claire
Spectrum Services Team
Spectrum Insurance Services
If you’re ever hesitant about taking out an extended warranty, I highly recommend contacting Spectrum Insurance Service first. I recently reached out to Spectrum to make a claim, and the administrators were extremely helpful and polite—both during my initial call to report the issue and when I followed up to check whether the repair had been approved.
Emily approved the repair promptly, and her service was flawless. She is a real credit to the organisation.
21 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 Emily mentioned; we’ll be sure to pass on your kind words to her. Your support means a lot to us.
Had 2 occasions where without hassle…
Had 2 occasions where without hassle the issue was solved by Spectrum, within reasonable time frame. Very helpful staff.
20 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.
Great service from Linzi who processed…
Great service from Linzi who processed our claim efficiently and was helpful and friendly. Would definitely recommend.
17 april 2026
Review zonder uitnodiging
Antwoord van Spectrum Insurance Services
Thank you so much for your 5-star Trustpilot review we really appreciate you taking the time to share your experience. It means a lot to us that you highlighted Linzi they’ll be genuinely pleased to know their efforts made a positive impact. We’re grateful for your support !
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
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