Linzi was most helpful in processing my claim. The car was still under purchase warranty from a second hand dealer. The wiper sensor was not working and Spectrum agreed to a higher labour rate at the... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Emily was great at sorting things out and constantly kept me updated. I am pleased with the service from Spectrum, although was disappointed that they could not arrange a hire car, since my car had n... See more
Company replied
This is my third time claiming through Spectrum and my review is not in regards to any prior claims, or the one im about to make, just simply with the customer service I received from Honey today. Sup... See more
Company replied
Emily sorted my issue out from start to finish. Evan made my appointment with Norwich garage at motorpoint.my appointment was at 11 am by 3pm I was txt to say my claim was valid.just waiting for a da... See more
Company replied
Company details
Written by the company
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.
Contact info
Westthorpe Business Innovation Centre, Westthorpe Business Park, Killamarsh, S21 1TZ, Sheffield, United Kingdom
- 0114 321 9876
- customerservices@spectrumcover.co.uk
- spectrumcover.co.uk
4.2
Great
884 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 71% of negative reviews
Typically replies within 1 week
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Emily my adviser was lovely and very…
Emily my adviser was lovely and very helpful. Emily took on bored what I was saying and problem solved very well. Emily was kind and patient. Emily listened to my mother‘s complaints and moaning and was very patient and understanding and I very much and I appreciate her for all of her help. So even if I don’t give spectrum 5 stars I absolutely give Emily 5 stars and hope her pillow is cold on both sides
18 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Hi Meg,
Thank you so much for taking the time to leave this feedback. We’re really pleased to hear that Emily was able to support you so well and provide the patience, understanding, and problem-solving you needed throughout your experience.
It’s especially lovely to hear how kindly she handled both yourself and your mother we know these situations can sometimes be stressful, and Emily will be genuinely touched by your comments. We’ll make sure your feedback is passed on to her personally.
And we have to say, “hope her pillow is cold on both sides” may be one of the best compliments we’ve ever seen.
Thank you again for your honest feedback and for recognising Emily’s efforts it’s very much appreciated.
Kind regards,
Claire
Problem solved
My experience with spectrum started a little rocky but after hearing from Andrew Ward and the quick and efficient way he corrected the problem I was dealing with I can't praise Andrew Ward enough thanks once again
16 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to update your review. We’re really pleased to hear that Andrew was able to assist and help resolve the concerns you experienced.
We appreciate your patience whilst the matter was being reviewed, and it’s great to hear that the issue was handled quickly and efficiently. Your feedback will be shared with Andrew and the wider team.
Thank you again for your comments and for giving us the opportunity to put things right.
Kind regards
Claire
Highly Recommend
Experienced a wiper malfunction in my Mercedes. Spectrum Insurance recommended a local authorised garage, I booked the car in and issues was identified. As I require my car for work & caring responsibilities, I called Spectrum right away to see if this was authorised. The garage hadn’t contacted Spectrum yet so Linzi called the garage on my behalf, authorised the work and called me back. My car went in yesterday morning and I’ve been advised I should have it back this afternoon. Only downside is long wait times on phone, but can arrange callback.
15 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a detailed review. We’re really pleased to hear that your claim was handled smoothly and that the repairs to your vehicle were able to be authorised quickly to help minimise disruption for you.
It’s great to hear that Linzi was able to step in, liaise directly with the repairer, and keep the process moving for you. We always like to celebrate our team when they go above and beyond for our customers, and your comments regarding Linzi’s proactive support and communication will be shared with her and the wider team.
We also appreciate your honest feedback regarding our telephone wait times. At peak periods our lines can become particularly busy, but we are continually reviewing our service levels and callback options to improve the customer experience wherever possible.
Thank you again for your recommendation and for choosing Spectrum.
Kind regards
Claire
I recently spoke with Emily
I recently spoke with Emily, and she was absolutely outstanding. She resolved my claim within just a few minutes, with no waiting time at all. The service provided was excellent, and Emily was extremely professional, efficient, and helpful throughout the process. I am very impressed with the company’s service and would highly recommend them. Emily is truly one of the best agents I have dealt with.
14 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to share your experience with us. We’re so pleased to hear that Emily was able to assist you quickly and efficiently and make the claims process straightforward for you.
Delivering clear, professional, and responsive customer service is something we work incredibly hard on, so it’s wonderful to hear that Emily made such a positive impression. We love recognising and celebrating our team when they go above and beyond for our customers, and your kind comments will certainly be shared with her and the wider department.
Thank you again for your recommendation and for placing your trust in Spectrum.
Kind regards
Claire
First class customer service from…
First class customer service from Nabeel she explained everything in “layman’s terms” really easy to understand
14 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review. We’re delighted to hear that Nabeela provided you with first-class customer service and took the time to explain everything clearly and in a way that was easy to understand.
Our Sales Team work incredibly hard to ensure customers feel informed and supported from the very beginning, so it’s fantastic to hear that Nabeela’s friendly and professional approach made such a positive impression. We love recognising our colleagues when they go above and beyond for our customers, and your lovely feedback will certainly be shared with her.
Thank you again for your feedback and for choosing Spectrum.
Kind regards
Claire
Emily was really helpful
Emily was really helpful and helped with my issue at a timely manner when the garage was not informing myself of the next steps. And made sure the issue got resolved with out delay
13 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your feedback. We’re really pleased to hear that Emily was able to support you and help move things forward when communication from the garage had slowed down.
We understand how important regular updates are during the claims and repair process, so it’s great to hear that Emily kept things progressing and helped ensure the issue was resolved without unnecessary delay. We always enjoy recognising our team when they provide proactive and supportive service, and your comments will certainly be shared with her.
Thank you again for your kind words and for choosing Spectrum.
Kind regards
Claire
Brilliant service Thankyou
12 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your lovely feedback. We’re delighted to hear that you received brilliant service from our team.
Providing a smooth and supportive experience for our customers is extremely important to us, so it’s always wonderful to receive such positive comments. We love recognising the hard work our colleagues put in every day, and your feedback is greatly appreciated.
Thank you again for choosing Spectrum.
Kind regards
Claire
Excellent service
I spoke to Lois on the phone today about my claim and I must say this young lady was excellent to deal with.
She went above and beyond to help me and solve all my problems.
By the end of the phone call everything was sorted out.
Thank you Lois.
12 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We are delighted to hear about the excellent service you received from Lois. It is fantastic to know that she was able to go above and beyond to assist you and ensure everything was resolved by the end of the call.
Providing clear, supportive, and efficient service is something we pride ourselves on, and your feedback will mean a great deal to Lois and the wider team.
Thank you again for your kind comments and for choosing Spectrum Insurance Services.
Kind regards
Claire
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 May 2026
Unprompted review
Reply from 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 May 2026
Unprompted review
Reply from 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 May 2026
Unprompted review
Reply from 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
Unprompted review
Reply from 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
Unprompted review
Reply from 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 May 2026
Unprompted review
Reply from 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 March 2026
Unprompted review
Reply from 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 May 2026
Unprompted review
Reply from 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
Unprompted review
Reply from 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
Unprompted review
Reply from 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!
Reply from 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
Unprompted review
Reply from 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!
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