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
876 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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When purchasing my vehicle I must admit…
When purchasing my vehicle I must admit I was sceptical about paying the additional costs for warranty, however, recently a fault kept alerting on my dashboard and with the help of spectrum my car was booked into a garage and repaired within 5 days of the initial fault appearing. Becky oversaw the claim from start to finish and not only was she sympathetic toward the issue but was so efficient and professional, nothing was too much bother. It’s a 10 star rating from me
5 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a wonderful review.
We're delighted to hear that your experience with Spectrum changed your initial concerns about purchasing a warranty and that we were able to assist when you needed us.
It's particularly pleasing to hear that Becky provided the level of service we strive for. We know vehicle faults can be stressful, so it's great to hear that Becky was able to guide you through the process with professionalism, efficiency and understanding, whilst ensuring your vehicle was booked in and repaired promptly.
Your comments will be shared with Becky, who I'm sure will be thrilled to receive such positive feedback.
Thank you again for your kind words and for choosing Spectrum Insurance Services. A 10-star rating is something we're incredibly proud to receive.
Kind regards,
Claire
I'm paying off an extended warranty…
I'm paying off an extended warranty with Motorpoint, and my 2018 Kia Sportage, after seven months of financing with Motorpoint, had a transmission failure. Spectrum has avoided repairs. My car was in the shop for over a week, and after a week, Spectrum said they wouldn't cover the costs, even though the repair costs $3,500. I never thought Spectrum could be so irresponsible. I've never been late with my payments, and I would never recommend Spectrum to anyone. Spectrum and Motorpoint are the worst.
5 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We are sorry to hear that you are disappointed with your experience.
Having reviewed the claim, we would like to clarify that your claim was not declined after one week, nor was a decision made to refuse repairs. The claim remained at the diagnostic stage while we worked with your chosen repairer to establish the exact cause of the gearbox fault.
The repairer initially reported symptoms consistent with an internal gearbox issue; however, further dismantling was required to confirm the failed component and determine whether the fault met the terms of the warranty. We contacted both you and the repairer on multiple occasions to explain that authorisation was required for the necessary strip-down process before a claim decision could be made.
As with all warranty claims, we require evidence of the cause of failure before we can assess cover. This is a standard part of the claims process and helps ensure claims are handled fairly and in accordance with the warranty terms and conditions.
We appreciate that being without your vehicle is frustrating, particularly when a significant repair may be required. However, we do not believe it is accurate to say that Spectrum avoided the repair. At the time of your review, the investigation into the cause of the gearbox failure had not been completed and no final coverage decision had been made.
If you would like us to review the current position of your claim, please contact our Claims Team who will be happy to assist.
Kind regards
Claire
Spectrum Warranty
After some back and forth with Spectrum’s warranty claim, Lois helped me navigate the process and explained the next steps.
5 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We appreciate your feedback and are pleased to hear that Lois was able to assist you throughout the claims process.
Warranty claims can sometimes involve several stages, so it's great to hear that Lois was able to explain the process clearly and help you understand the next steps. We will ensure your comments are passed on to her, as positive feedback like this is always appreciated.
Thank you for choosing Spectrum Insurance Services.
Kind regards,
Claire
I would avoid this company…..at all costs
I would avoid this company.
Firstly, it’s extremely difficult to get hold of anyone. Calls go unanswered, and callbacks take at least 24 hours. When I needed an urgent repair, I was unable to speak to anyone despite repeated attempts, leaving me with no option but to pay for the repair myself.
When Spectrum finally returned my call, their immediate response was that the repair was “unauthorised” and therefore they would not contribute towards the cost. They also stated that pipes are not covered under the warranty, despite the failed component being an air conditioning pipe that was neither corroded nor damaged through wear and tear. If this exclusion exists, it must be buried deep in the small print, as it was certainly not clear when I took out the policy.
Looking at other customer reviews, I can see similar complaints regarding exclusions and reasons given to avoid paying claims. Based on my experience, the customer service is poor, response times are unacceptable, and the claims process appears geared towards finding reasons not to pay.
Overall, I am very disappointed and would not recommend Spectrum Warranty.
Usual ‘get out of paying’ reply template and factually incorrect response, ‘ During that conversation, you were advised that any manufacturer recall would need to be investigated before a claim could proceed.’ I was told that being an administrative recall, there was no requirement to investigate with the manufacturer.
5 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review. We are sorry to hear that you were disappointed with your experience.
Having reviewed your claim, our records show that you first contacted us on 2 June 2026 regarding a fault with your vehicle's air conditioning system. During that conversation, you were advised that any manufacturer recall would need to be investigated before a claim could proceed and that repairs should not be carried out without prior authorisation from Spectrum.
When we later spoke with you on 5 June 2026, you advised that the repair had already been completed and that the cause of the fault had been identified as a split air conditioning pipe. Unfortunately, the warranty terms specifically exclude pipes and hoses from cover. In addition, the policy requires authorisation to be obtained before repairs are undertaken. As a result, we were unable to assist with the costs incurred.
We appreciate your comments regarding our response times and customer service. While we aim to return all customer calls as quickly as possible, we acknowledge that on this occasion you were unhappy with the time taken to receive a callback.
We understand that this was not the outcome you were hoping for. However, our decision was based on the terms and conditions of the warranty and the information provided regarding the cause of the failure.
Kind regards
Claire
Emily was really professional in her…
Emily was really professional in her approach while handling my claim. I am happy with the outcome.
Thank you Emily
4 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We are delighted to hear that you were happy with the outcome of your claim and the service you received.
Emily will be pleased to read your comments. We pride ourselves on delivering a professional and helpful service, so it is great to hear that Emily's communication and support throughout the claims process made a positive difference to your experience.
Thank you again for your feedback and for choosing Spectrum Insurance Services.
Kind regards,
Claire
Adviser Emily 10/10
Emily was incredible from start to finish. She listened and understood my problem (which is hard to find in customer service now days) from there the help I received was top tier. We need more people in customer service like Emily!!
3 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a wonderful review.
We're delighted to hear about your positive experience with Emily. Providing excellent customer service starts with listening and understanding our customers' concerns, so it's fantastic to know that Emily was able to support you throughout your claim and make the process easier for you.
Your kind words will be shared with Emily, and we're sure she will be thrilled to receive such positive feedback. We agree that she is a real asset to the team.
Thank you for choosing Spectrum Insurance Services.
Kind regards,
Claire
Fraud
I have a ford focus and the handbrake button broke. Spoke to spectrum warranty in Sheffield and explained the problem. They said me to a garage. After the garage contact spectrum they said to me that is not covered by the policy because is cosmetic. Let me tell you that handbrake button is a mechanical fault not a cosmetic issue. This button controls the lock and releases the parking break. If broken the handbrake may fail to engage properly which makes it highly unsafe and risk to fail MOT.
They didn't recognise this issue and didn't carry on the repair.
Don't recommend at all.
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave a review.
We are sorry to hear that you are dissatisfied with the outcome of your claim.
Having reviewed the information provided by the repairing garage, the claim was not declined because the handbrake system was considered unimportant, nor was it declined due to wear and tear. The repairer advised that the issue related to the physical handbrake button itself, which had become detached, and confirmed there was no mechanical or electrical failure of the handbrake system or associated components.
Your warranty provides cover for the sudden mechanical or electrical breakdown of covered components. Based on the diagnosis received, the repair required replacement of the detached plastic button rather than repair of a failed mechanical or electrical part. As a result, we were unable to authorise the repair under the terms of the warranty.
We appreciate that this was not the outcome you were hoping for and understand your frustration. If you would like us to review the matter further, please contact our Customer Service Team with any additional information you would like us to consider.
Kind regards
Claire
Awful garage experience
After going back n forth to the garage I was so fed up n stressed Lois who helped me so much. It’s been 2 months I keep calling n calling Bt Lois solved my problem in 1 day she’s the best thanks lois
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave a review.
We're sorry to hear that your experience with the garage caused you stress and frustration, and we appreciate how difficult a prolonged repair process can be.
That said, we're delighted to hear that Lois was able to step in and help bring the matter to a resolution. Lois is a valued member of our team, and we're pleased that her dedication, communication and proactive approach made such a positive difference to your experience. We'll be sure to pass on your kind comments to her.
Thank you for your patience throughout the process and for choosing Spectrum Insurance Services.
Kind regards,
Claire
Good service to resolve warranty claim.
I have been impressed with the professional manner that Spectrum have handled my warranty claim. It was also good to experience an insurance company who are prepared to talk to you on the phone to discuss a claim. Emily was very helpful in resolving the final payment issues and made sure that I understood the final part of the process.
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a positive review.
We're delighted to hear that you were impressed with the way your warranty claim was handled and that you found our service professional throughout. We understand the importance of clear communication during a claim, so it's particularly pleasing to know that being able to discuss matters over the phone helped make the process easier and more straightforward for you.
We're also thrilled to hear that Emily was able to assist with the final payment stage of your claim. Ensuring customers understand each step of the process is something we place great importance on, and we're pleased that Emily was able to provide the support and clarity you needed.
Thank you for choosing Spectrum Insurance Services. We appreciate your feedback and will be sure to share your kind comments with Emily.
Kind regards,
Claire
Great customer service
I asked for a callback which was prompt the advisor who called Nabeela from spectrum was very professional and explained everything to me in clear and concise language made me feel comfortable. I'm pleased with the outcome.
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a positive review.
We're delighted to hear that your callback was arranged promptly and that Nabeela provided a professional and informative service. Clear communication is incredibly important to us, so it's wonderful to know that she explained everything in a way that was easy to understand and helped you feel comfortable throughout the conversation.
We're also pleased that you were happy with the outcome and the support you received. We'll be sure to pass your kind feedback on to Nabeela, who will be delighted to hear that her efforts made such a positive difference to your experience.
Thank you for choosing Spectrum Insurance Services.
Kind regards,
Claire
Claire
Good service
Good service, Linzi is amazing, she cleared all my doubts and very helpful. Good person to deal with.
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a lovely review.
We're delighted to hear that you received good service and that Linzi was able to answer your questions and address any concerns you had. Providing clear information and support is an important part of the service we strive to deliver, so it's wonderful to know that Linzi was able to help and make the process easier for you.
We'll be sure to pass on your kind comments to Linzi, who will be delighted to hear that her assistance made such a positive impression.
Thank you for choosing Spectrum Insurance Services.
Kind regards,
Claire
Miscommunications
Thank you for your service and support glad that Lois has helped me to solve my issue, as it had been ongoing for a while to get my car fixed. Great service.
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave a review.
We're pleased to hear that your issue was ultimately resolved and that Lois was able to assist you throughout the process. We appreciate that it can be frustrating when matters take longer than expected, particularly when you're waiting to have your vehicle repaired.
We're delighted that Lois was able to help bring things to a positive conclusion and provide the support you needed. We'll be sure to pass on your kind feedback to her, as she'll be pleased to know that her efforts made a difference to your experience.
Thank you for your patience and for choosing Spectrum Insurance Services.
Kind regards,
Claire
Responsive and helpful service from…
Responsive and helpful service from Emily
2 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave a review.
We're delighted to hear that you found Emily's service responsive and helpful. Providing timely support and clear communication is something we strive for, and it's wonderful to know that Emily delivered this throughout your experience.
We'll be sure to share your kind feedback with Emily, who will be pleased to know that her efforts were appreciated.
Thank you for choosing Spectrum Insurance Services.
Kind regards,
Claire
Warranty con
Absolutely disgusting I took out a 4year warranty through motor point using spectrum. Car has been in garage for over a week now and spectrum have only just got round to approving my repair. Then to be told I need to pay £500 odd for adblue crystallisation problems which I have now found to be a known issue that effects diesel vehicles which effects many vehicles and they try to blame the driver for the fault. Spectrum did not seem interested in admitting this and did not show any sense of caring for the customer. Also the garage had tried for days to contact spectrum who seemed incapable of being contacted finally giving authorisation for repairs. Also no one from spectrum has contacted me to help or keep me updated just been silence until today. I have only had my car 5 months didn't expect to have to pay such a large amount through no fault of my own. Very poor customer service.
1 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave a review.
We're sorry to hear that you are unhappy with your experience.
Unfortunately, we have been unable to identify your claim from the information provided within your review. We have searched our records but have not been able to locate a matching claim, and as a result we are unable to comment on the specific circumstances you have described.
We note that you mention concerns regarding claim delays, communication and the outcome of the repair assessment. We take feedback of this nature seriously and would welcome the opportunity to investigate the matter fully. In similar circumstances, where additional information is required to review a customer's concerns, we will always seek this before reaching any conclusions.
Please contact our Customer Services team directly with your vehicle registration or policy number so that we can carry out a full review of your claim and provide a detailed response to the issues you have raised.
Kind regards,
Claire
claims team
Spoke to claims team, with Emily.
She made the whole process easy and explained everything, made sure I understood and knew next steps. Great service
1 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you, Paul, for taking the time to leave your review.
We're delighted to hear that Emily provided such a positive experience and was able to make the claims process straightforward and easy to understand. Clear communication and ensuring our customers know what to expect at each stage of their claim are extremely important to us, so it's great to hear that Emily took the time to explain the process and next steps thoroughly.
We will be sure to pass your kind comments on to Emily and the team. Thank you for choosing Spectrum, and we appreciate your feedback.
Kind regards,
Claire
Hello
Hello. Our Aircon was not working and hence we had to take our car at a garage for checking. It turned out a condenser leak. The garage fixed it. I called Spectrum Insurance and Daniel assisted me and helped me complete the claim. He also suggested me to check with spectrum Insurance before doing any work on the car next time. I give 5 stars to Daniel. Thank you.
1 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're pleased to hear that Daniel was able to assist you with your claim and make the process straightforward. It's great to know that he provided helpful guidance and ensured your claim was completed smoothly following the repair to your vehicle's air conditioning system.
We're also glad that Daniel was able to explain the importance of contacting us before any repairs are carried out, as this helps us review claims and provide the necessary authorisation in line with your warranty terms.
Your kind comments will be passed on to Daniel, who will be delighted to receive your recognition. Thank you for choosing Spectrum and for awarding us 5 stars.
Kind regards,
Claire
Andrew was fantastic
Andrew was fantastic! Calmed my nerves and spoke me through the process. Fantastic customer service!
1 June 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your wonderful review.
We're delighted to hear that Andrew was able to put your mind at ease and guide you through the process. We understand that making a claim can sometimes be a stressful experience, so it's great to know that Andrew took the time to explain everything clearly and provide the reassurance you needed.
Your kind feedback will be shared with Andrew, who will be pleased to know that his support and customer service made such a positive difference.
Thank you for choosing Spectrum and for taking the time to leave a 5-star review.
Kind regards,
Claire
I have used Spectrum car Warranty…
I have used Spectrum car Warranty service twice now, for electronic faults on my car. Great service from them. I had to pay initially for the repairs, but I received my money back a week later.
My second time I used them was this month, I spoke to a lovely lady from the company called Lois, she authorised my payment via the bmw garage. Thank you Spectrum Warranty for your help.
27 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to share your experience.
We're delighted to hear that we've been able to assist you on two separate occasions and that both claims were handled smoothly. We understand how important it is to have confidence in your warranty provider when unexpected vehicle faults occur, so it's wonderful to know that you've received the support you needed.
We're particularly pleased to hear your kind comments about Lois. Providing clear communication and helping customers through the authorisation process is something we take great pride in, and we're glad she was able to assist with arranging payment directly with your BMW repairer.
Thank you for your continued trust in Spectrum Warranty Services. We truly appreciate your feedback and will ensure your comments are passed on to Lois.
Kind regards,
Claire
Lois (LSB) was very helpful.
29 May 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your review.
We're pleased to hear that Lois was able to assist you and provide a helpful service. We pride ourselves on supporting our customers throughout the claims process, and it's great to know that Lois made a positive impression.
We'll be sure to pass your kind comments on to Lois, who will be delighted to receive the recognition.
Thank you for taking the time to share your feedback and for choosing Spectrum.
Kind regards,
Claire
Reply from Spectrum Insurance Services
Thank you for your lovely review.
We couldn't agree more – Lois is a valued member of our team, and her positive attitude, professionalism and willingness to help certainly brighten our days as well! We're delighted to hear that she made such a positive impression and provided you with an informative and professional service.
We'll make sure your kind comments are passed on to Lois. Feedback like this means a great deal to our team.
Thank you for taking the time to share your experience and for choosing Spectrum.
Kind regards,
Claire
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