What Is Home Warranty Direct and How Does It Work?

What Is Home Warranty Direct?

Home Warranty Direct is a company that offers consumer warranties in the UK.

It was founded in 1997 by David McClure Fisher and Duncan McClure Fisher, initially focusing on vehicle warranties for second-hand cars and private sales.

In 1999, they expanded their services to include warranties for household appliances.

Home Warranty Direct was later sold to Cardif Pinnacle, a division of BNP Paribas Assurance, in 2008.

The company’s underwriters have varied over the years, with Lloyd’s of London being the original underwriter and Cardif Pinnacle being the current one.

Home Warranty Direct is regulated by the Financial Conduct Authority.

The company closed its website and business to new customers in December 2020 and was taken over by FirstBaseFM Ltd.

in January 2021.

Key Points:

  • Home Warranty Direct is a UK company that provides consumer warranties.
  • It was founded in 1997 by David McClure Fisher and Duncan McClure Fisher, initially focusing on vehicle warranties.
  • In 1999, they expanded to offer warranties for household appliances.
  • Home Warranty Direct was sold to Cardif Pinnacle, a division of BNP Paribas Assurance, in 2008.
  • The company has had different underwriters throughout the years, with Lloyd’s of London being the original underwriter and Cardif Pinnacle being the current one.
  • Home Warranty Direct is regulated by the Financial Conduct Authority.
  • The company closed its website and business to new customers in December 2020 and was taken over by FirstBaseFM Ltd. in January 2021.

Did You Know?

1. Home Warranty Direct offers coverage for unexpected repairs or replacements of major home systems and appliances, providing homeowners with peace of mind and financial protection.
2. Did you know that Home Warranty Direct is not actually an insurance company? Instead, it is a service contract provider that partners with reputable insurance companies to offer affordable and reliable home warranty plans.
3. Home Warranty Direct’s plans typically cover a wide range of items, including heating and cooling systems, electrical and plumbing systems, kitchen appliances, and even some optional add-ons like pool equipment or well pumps.
4. Home Warranty Direct’s coverage is not limited to just new homes. Even if your home is older or has pre-existing conditions, you can still take advantage of their home warranty plans, ensuring your assets are protected.
5. In addition to providing repair and replacement services, Home Warranty Direct also offers a 24/7 customer service hotline that allows homeowners to easily request service, ask questions, or obtain information about their coverage.

Overview Of Home Warranty Direct

Home Warranty Direct is a company in the United Kingdom that offers consumer warranties. They provide a range of warranty services, including new car warranties and extended warranties. The company was founded in 1997 by David McClure Fisher and Duncan McClure Fisher. Initially, it focused on offering vehicle warranties for second-hand cars and private sales. However, in 1999, the company expanded its services to include warranties for household appliances.

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One notable aspect of Home Warranty Direct is its affiliation with the Reliability Index and Potholes.co.uk. These affiliated websites provide additional information and resources related to reliability and maintenance issues for consumers.

History And Ownership Of Home Warranty Direct

Home Warranty Direct, founded in 1997 by David McClure Fisher and Duncan McClure Fisher, initially focused on providing warranties for second-hand cars and private sales. However, the company expanded its services over time and began offering warranties for household appliances as well. This diversification allowed Home Warranty Direct to cater to a broader range of consumer needs.

In 2008, Home Warranty Direct was acquired by Cardif Pinnacle, a division of BNP Paribas Assurance, a leading global financial institution. This change in ownership brought about new opportunities and developments for the company.

In December 2020, Home Warranty Direct closed its website and business to new customers. However, the company was taken over by FirstBaseFM Ltd. in January 2021, signaling a new chapter in its operations.

Key Points:

  • Founded in 1997 by David McClure Fisher and Duncan McClure Fisher.
  • Initially provided warranties for second-hand cars and private sales.
  • Expanded services to include warranties for household appliances.
  • Acquired by Cardif Pinnacle, a division of BNP Paribas Assurance, in 2008.
  • Closed website and business to new customers in December 2020.
  • Taken over by FirstBaseFM Ltd. in January 2021.

“Diversification of services allowed Home Warranty Direct to cater to a broader range of consumer needs.”

Services Provided By Home Warranty Direct

Home Warranty Direct offers a variety of warranty services to its customers. One of its primary offerings is new car warranties, providing coverage for new vehicles to protect consumers against unexpected repairs and expenses. These warranties give car owners peace of mind and financial protection in case of mechanical issues.

In addition to new car warranties, Home Warranty Direct also provides extended warranties. These warranties can be purchased for both vehicles and household appliances, extending the original manufacturer’s warranty.

The company has a history of working with different underwriters. Initially, Lloyd’s of London served as the underwriter for Home Warranty Direct. Currently, Cardif Pinnacle fulfills this role. The underwriter plays a crucial role in ensuring that the company can honor its warranty commitments and provide adequate coverage to customers.

It is important to note that Home Warranty Direct is regulated by the Financial Conduct Authority, an independent financial regulatory body that oversees and regulates firms in the UK financial services industry. This regulatory oversight ensures that the company operates in compliance with industry standards and protects the interests of consumers.

  • Home Warranty Direct offers new car warranties for vehicle protection.
  • Extended warranties are available for both vehicles and household appliances.
  • Lloyd’s of London and currently Cardif Pinnacle serve as underwriters.
  • Financial Conduct Authority regulates Home Warranty Direct, ensuring compliance and consumer protection.
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Recent Changes And Transitions

In December 2020, Home Warranty Direct closed its website and business to new customers. However, the company was acquired by FirstBaseFM Ltd. in January 2021. This transition marked a new phase for Home Warranty Direct and likely brought about changes in its operations and offerings.

While the specifics of the transition and its impact on existing customers are unclear, it is common for such acquisitions to involve the transfer of assets, contracts, and liabilities. The new ownership is likely to have strategic plans for the company’s future and may bring fresh perspectives and innovations to the table.

Consumer Complaints And Regulatory Concerns

In November 2022, Home Warranty Direct attracted consumer complaints due to their misleading marketing material. The Better Business Bureau (BBB) received reports regarding a mailer from the company that was found to be deceptive, creating a false sense of urgency. Unfortunately, Home Warranty Direct did not take any action when asked by the BBB to modify or discontinue the advertisement.

Consumer complaints and regulatory concerns are crucial for identifying and addressing issues related to a company’s practices. Organizations such as the BBB play a vital role in protecting consumers and ensuring ethical operations in accordance with applicable regulations.

To make informed decisions, consumers should exercise due diligence when evaluating warranty service providers. It is important to research the company’s reputation and customer feedback. Transparency, responsiveness, and commitment to customer satisfaction are key factors to consider when selecting a warranty provider.

  • In November 2022, Home Warranty Direct received consumer complaints due to their misleading marketing material.
  • The company failed to respond or take action when asked by the BBB to modify or discontinue the advertisement.
  • Consumer complaints and regulatory concerns are vital to identifying and addressing issues related to a company’s practices.
  • Organizations like the BBB play a crucial role in protecting consumers and ensuring ethical operations.
  • Due diligence is important when evaluating warranty service providers.
  • Researching the company’s reputation and customer feedback is essential for informed decision-making.
  • Transparency, responsiveness, and commitment to customer satisfaction are key factors to consider when choosing a warranty provider.

“In November 2022, Home Warranty Direct received consumer complaints due to their misleading marketing material. The company failed to respond or take action when asked by the BBB to modify or discontinue the advertisement.”


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Frequently Asked Questions

What is a home warranty in English?

A home warranty in English is a legally binding agreement between a homeowner and a home warranty company. Under this agreement, the home warranty company commits to providing repair or replacement services for specific parts of a home system or appliances. These appliances may include washers, dryers, ovens, refrigerators, and so on. In essence, a home warranty offers homeowners peace of mind by ensuring that they are protected against unexpected expenses and breakdowns of essential home systems and appliances.

Is US Home Guard a legitimate company?

US Home Guard has raised significant concerns regarding its legitimacy based on numerous customer complaints. These complaints primarily revolve around the company’s fraudulent mailers, targeting homeowners by falsely implying that their home warranty is soon to expire. Surprisingly, these misleading notices have been received by individuals who were never customers of US Home Guard, raising suspicions about the company’s credibility and questionable practices.

What is another name for a home warranty?

Another name for a home warranty is a residential service contract. These terms are typically used interchangeably to describe a policy that provides coverage for breakdowns of home systems and appliances. Whether referred to as a home warranty or a residential service contract, this type of policy offers homeowners peace of mind by ensuring that potential repairs or replacements are covered.

What services does Home Warranty Direct provide that sets them apart from other home warranty companies?

Home Warranty Direct distinguishes itself from other home warranty companies by offering a comprehensive range of services that cater to the unique needs of homeowners. Firstly, they provide coverage for a wide array of home systems and appliances, including heating, electrical, plumbing, and major kitchen appliances like refrigerators and ovens. This extensive coverage ensures that homeowners can have peace of mind knowing that all essential aspects of their homes are safeguarded.

Additionally, Home Warranty Direct pledges to provide prompt and efficient service to its customers. They have an extensive network of qualified and reliable service technicians available 24/7 to address any issues that may arise. This commitment to timely and professional service sets them apart from other companies, as homeowners can trust that their problems will be attended to swiftly, minimizing any inconvenience or disruption to their daily lives. Overall, Home Warranty Direct’s comprehensive coverage and commitment to exceptional service make them stand out in the competitive home warranty industry.

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