In reply to gethin_allen:
I'm not sure if you are deliberately not understanding the point made by DaxH
I worked for an OEM, we gave warranties, WE set the rules for the warranties, if the equipment failed, and we as the OEM had not serviced the equipment ourselves, we were then in a strong position to challenge a free warranty repair. Before taking on any repair we would require that the customer jump through hoops to demonstrate , to our satisfaction , that our exact servicing specifications had been followed, whilst under the warranty period, therefore Dax H is correct buyers are better to pay a little more for in- warranty services , to ensure that any expensive failure, is clearly the manufacturers responsibility to fix free of charge, quickly and without quibble.
The mention of the insurance, demonstrates the kind of frivolous get - out - clauses that large organisations will rely on to get out of their responsibilities.
A modified car, would not be covered for insurance, so she was paying for a policy that they would not have paid out for, as she had 'modified' the car and not told them.