The bad is not quite ugly, but, bad enough to be described as bad.
Avoid where possible companies based outside of the UK, many insurers, in particular, may be based in Gibraltar, Isle of Man, Jersey or another outside of UK regulatory Financial Conduct Authority oversight. These companies are not overseen by the UK FCA watchdog, so it may be much harder to get in touch with them, complain to or about them and if they decline to pay what then? This is not to say all foreign underwriters are bad, just that extra caution should be taken perhaps, your vehicle is an expensive investment.
Spurious sales pitches. One company (Now ceased trading!) offered a £2000 claim limit, which sounds great until you find you can only make one claim to that value or that is the TOTAL claim value for that year. So, if you only make a single claim, what happens if you need to claim for the engine and again for heating.
Difficult to claim! If you have to download a form just to claim, then post it, wait for a decision and then if approved, your money, your holiday will be over before you get anything fixed. Volume companies who take almost any vehicle. You take great care of your leisure vehicle, you have a Hab check annually plus a service (If it’s a motorhome), but what if the warranty company loves volume business, older less well-maintained vehicles. That means more claims, more claims to handle and less profit which must be managed, so how comfortable will they be to pay out claims? Or will the default position be ‘Don’t pay unless you have to’?
If the dealer is only providing 3 months why is that? If it’s an older or cheaper vehicle fine but if it’s a late model and valuable, why isn’t it a full 12 months warranty cover? You are likely paying a lot of money for the vehicle and cover. Paying more than you need to unless getting something extra, some additional value or service. If it’s just more expensive for the same or less cover, why buy it from them?
Do they use fully trained AWS approved repairers or just anyone busy enough to be VAT registered? Or someone who repairs cars and vans but does a few Caravans too? Ensure they only use MCEA or better still AWS approved workshops (The Approved Workshop Scheme is the recognised body of Manufacturer approved workshops UK wide).