TMO - The Motoring Organisation Omdömen 

I have paid for Gold cover with Car Protect Direct / TMO for years and this is the first claim I have ever made. The experience has been extremely disappointing.

My car developed a clutch-related fault. The release/thrust bearing is specifically listed as a covered component under my warranty. Before the fault, the clutch was not slipping and the car was still driving normally.

The original mechanic reported a noisy clutch bearing, and TMO themselves discussed the possibility that the release bearing had failed and said further access was needed to properly establish the fault.

Once the gearbox was removed, the release/thrust bearing was found to have failed. TMO then declined the claim, saying the clutch components looked worn from photographs and that there was no indication of a sudden mechanical failure.

I retained all of the removed parts and have since carried out further checks on the clutch disc itself. The friction lining remains clearly above the rivet heads on both sides and the disc was not worn down to the rivets. More importantly, there had been no clutch slipping or gradual loss of drive before the fault developed.

I fully understand that once a gearbox is already removed, it often makes financial sense to replace the clutch at the same time because of the labour involved. That is completely different from saying the clutch had already reached the end of its effective working life and that normal clutch wear explains the failure of a separately covered release/thrust bearing.

I have asked TMO to provide the actual manufacturer wear specification or other technical evidence their senior technician relied upon when deciding from photographs that the failure was simply wear and tear. I have also asked them to clearly state whether they accept or dispute that the separately covered release/thrust bearing failed.

I sent a detailed formal challenge on 2 September and further physical evidence on 3 September. On 4 September I had to send another email simply asking them to confirm that they had actually received my evidence and were reviewing it.

At the time of writing I have still not received even a basic acknowledgement.

That concerns me almost as much as the claim decision itself. TMO wanted further dismantling before properly assessing the fault. Had I left my vehicle stripped down on a garage ramp waiting for them to respond, I could have been without my car for days and potentially exposed to additional storage, ramp or labour costs with no meaningful update from them.

I understand that warranty claims require investigation and I do not expect an instant decision. What I do expect after paying continuously for cover for years is basic communication, proper consideration of the evidence and a clear technical explanation when a claim is rejected.

So far the claims handling and communication have been extremely disappointing.

I still have the removed clutch components available for inspection, together with the photographs, technical evidence and correspondence supporting my position.

I will update this review if TMO properly considers the evidence and resolves the matter.

Genuine warranty company
I highly recommend
Very professional people & they pay out when there is a claim,

Fantastic customer service from the get go!

Had an issue shortly after buying my car, and TMO, namely Charlotte was a Fantastic help, managed to get my car sorted whilst it was in with a wetbelt change, so far a happy customer!

Answered the query in a timely manner, explained the breakdown of what was and was not covered. No long wait times to speak to a member of the warranty team on the phone.

Charlotte kept me up to date throughout the process

Very disappointed. Having purchased a Platinium Plus warranty and needing to claim, I get told that the clutch issue is not covered and is classed as general wear and tear. TMO don't 'tick' all the boxes on your warranty page if you don't honour the cover

Really easy to deal with this company. I’m never more than 5/10 mins on the phone, the wait times are never more than a couple of mins, and the claim process is really straightforward. Thanks to Becca and Marie for their great help with my recent claim, you made it really simple!!

Phone call received to discuss work on my car under warranty. Rachael listened and was able to find a solution swiftly. No need for additional calls, sorted everything in one go. Great service thanks

Handled my claim for a new washer pump quickly, efficiently and without hassle or stress.

Avoid taking out an optional policy when buying a used car from a dealer. (They are Mis Selling you a Warranty.!!)They don't tell you the part about having to pay out of your own pocket for Diagnostics, and the vast majority of parts that do Go wrong are Suddenly not covered. Leaving you with a nice repair bill..!
My Advice is don't bother. Stick to your Consumer rights, they cover you for six months and the dealer is legally liable to fix anything and it doesn't cost a thing..! AVOID...!

This is the worst warranty company in the world. Please be careful. Do not fall for their lies. I repeat do not fall for their lies.

Siobhan was very polite and clear about everything she was telling me I could understand everything.

Charlotte was Super fast efficient service very polite

I am writing to share my positive experience with The Motoring Organisation following a recent claim. After submitting my claim, I was pleasantly surprised by the efficiency and professionalism demonstrated throughout the process.

My claim was reviewed and approved within three working days, a turnaround time that exceeded my expectations. Communication from the claims team was prompt, clear, and informative at every stage, leaving me in no doubt as to the status of my application.

Insurance claims can often be a source of considerable stress, particularly following an failure. However, The Motoring Organisation’s efficient handling of my case significantly alleviated this burden. Their staff conducted themselves with evident competence and courtesy, and I encountered none of the delays or administrative difficulties I have experienced with other providers in the past.

I would confidently recommend The Motoring Organisation to anyone seeking a reliable insurance provider that combines comprehensive cover with genuinely efficient claims processing. Based on this claim experience, I intend to remain a customer for the foreseeable future.

My first time having to use a warranty, TMO made it easy, I could choose the garage the car went to, if there was one that I trusted.
Only reason for 4 stars is, office hours don't cover weekends, so I was left a bit in the dark and didn't know what was happening.
Other than that, they were friendly on the phone and explained everything and answered my questions.

This has to be the worst company I have ever known by far. I have had the policy for over 3 years and luckily enough I had never had to use it up until the last few months. The first and only time I had to use it was an absolute waste of time the customer service was an absolute disgrace. They never reply to any emails regarding the cover I had and I was miss sold the policy as when I was sold the policy I wasn't informed about what they do not cover. I have tried to make a formal complaint with the company and I get completely ignored. I have emailed them over 15 times in the last few months asking for an update and still to this day had no response. I would definitely not recommend these to anyone and the way you get treated is unacceptable and so unprofessional. Save your money and use another company who actually treats people with respect and actually wants your business. This company needs to treat people with respect, be honest and not be rude and unprofessional towards customers. The company states on its website its hassle free and they sort everything, dont be fooled. Even my garage told them what the fault was and they ignored this and made up the fault was down to wear and tear off a picture. All I can say is wow. Cowboys

Purchasing a £500 warranty from TMO Warranty when I bought my car was hands down the worst investment I have made. It is a complete waste of money and feels entirely misleading compared to what they advertise during sale.
On their website and promotional materials, they explicitly promise a seamless, hassle-free four-step process:
-step 2 TMO finds an approved, reliable local repairer for you.
None of this is true.
I purchased this warranty for an electric vehicle (EV). At the very first sign of difficulty in sourcing an independent repair shop capable of working on an EV, TMO completely dropped the ball. When I called them, their representative unhelpfully and rudely informed me over the phone: "Finding a repair shop for you is just a courtesy we offer, not an obligation."
This directly contradicts their entire sales pitch and online marketing, crossing straight into misleading advertising. They effectively admitted that once a case gets slightly complex, they expect you to do all the legwork yourself because they ran out of resources or simply couldn't be bothered.
Their "network of approved mechanics" turned out to be nothing more than basic Google searches that anyone could perform from home. Worse still, their customer staff showed zero technical competence—I had to repeatedly remind them that I drive an electric car, yet they kept attempting to send me to local garages that do not even service EVs!
To top it off, during one of these repair arrangements, my car was left parked on a street with parking restrictions, resulting in a penalty charge notice (PCN). The ticket was removed from the windshield, and by the time I received the notice at home, the fine had doubled. TMO flatly refused to take responsibility or pay for it, forcing me to pay the doubled fine out of my own pocket.
Do not waste a single penny on TMO Warranty. It provides no real coverage, useless customer assistance, and zero peace of mind.

Great customer service by siobhan very quick and help full

Sorted out my van claim with in 2/3 days paid in full the company made my experience with the claim easy and straightforward

Mollie was absolutely fantastic explaining through my claim and getting everything sorted