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
4.3
Excellent
887 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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
From receiving a call back swiftly the…
From receiving a call back swiftly the next day from Honey, the process was made clear and easy to follow. I also dealt with Donna and Caitlin all of which weren’t helpful and made a stressful situation a lot easier, thank you!
June 24, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your fantastic 5-star review.
We're delighted to hear that Honey, Donna and Caitlin were able to make what can often be a stressful situation much easier. It's great to know the callback was prompt, the process was explained clearly, and that each member of the team provided the support you needed throughout your claim.
We'll be sure to pass your kind words on to Honey, Donna and Caitlin. Thank you for choosing Spectrum Insurance Services.
Kind regards
Claire
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1st claim
Just had my 1st claim. Emily dealt with it in a polite, calm and professional manner and explained what to do. My only concern is that it has taken 2 days to receive a call back. Check the policy carefully, for example, air con repairs have a £45 incl vat limit which is well out of date for a modern car
June 24, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave us a 5-star review.
We're delighted to hear that Emily provided a polite, calm and professional service and took the time to clearly explain the claims process. We'll make sure your kind words are shared with her.
We also appreciate your feedback regarding the callback times and the air conditioning contribution under your policy. Customer feedback is invaluable in helping us review our service and identify areas where we can improve.
Thank you for choosing Spectrum Insurance Services, and we hope to continue providing you with a positive experience.
Kind regards
Claire
Lois was great
Lois was great, called me to confirm my warranty would cover my car repairs. Amazing customer service, answering queries and overall very friendly. 10/10
June 24, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your fantastic 5-star review.
We're so pleased to hear that Lois provided such a positive experience. Taking the time to call and confirm your warranty cover, answer your questions, and make sure you felt informed throughout the process is exactly the level of service we strive to deliver.
We'll be sure to pass your wonderful feedback on to Lois. Thank you for choosing Spectrum Insurance Services.
Kind regards
Claire
Spoke to Linzi
Spoke to Linzi - was very friendly, supportive and helped me with my warranty claim. No complaints at all.
June 24, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your 5-star review.
We're delighted to hear that Linzi provided such a positive experience. It's great to know she was friendly, supportive, and able to help you with your warranty claim. Feedback like yours means a great deal, and we'll make sure your kind words are passed on to Linzi.
Thank you for choosing Spectrum Insurance Services.
Kind regards
Claire
Car isdue
Lindisfarne
Was brilliant
Friendly, fully understood the situation and resolved it with no fuss and .
Top customer service experience.
10 out of 10
June 24, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a lovely review.
We're so pleased to hear that Linzi was able to help. Taking the time to understand each customer's situation and making the process as straightforward as possible is exactly the level of service we aim to provide.
We'll make sure your kind words are passed on to Linzi—they'll really appreciate knowing the difference they made. Thank you again for your 5 out of 5 review and for choosing Spectrum Insurance Services.
Kind regards
Claire
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took out premium cover
took out premium cover, didn't cover anything. waste of money, paid 11 months for nothing. unhelpful customer service also, do not use. waste of money and time
Awful reply see you in court
June 24, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your feedback. We're sorry to hear that you're disappointed with the outcome of your claim.
Spectrum Insurance Services acts as the administrator of your policy and assesses claims in accordance with the terms and conditions of the cover. Whilst the policy provides protection against many sudden mechanical and electrical failures, it also contains specific exclusions and maintenance items that are not covered.
Having reviewed your contact with us, we are satisfied that your claim was assessed correctly and that the reasons for the decision were explained in line with the policy terms.
We appreciate that this was not the outcome you were hoping for. If you would like us to review any aspect of your claim further, please contact our Customer Services team with your policy details and we will be happy to assist.
Kind regards,
Claire
Spoke to Linzi and she was really…
Spoke to Linzi and she was really helpful and was very clear in telling me what I needed to do
June 22, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your feedback.
Clear communication can make a real difference when dealing with a claim, so it is great to hear that Linzi was able to explain the next steps clearly and provide the support you needed. I'll make sure she sees your comments and receives the recognition she deserves.
Thank you for choosing Spectrum and for sharing your experience.
Kind regards,
Claire
Amazing service by Daniel.
June 22, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave a review.
I am delighted to hear that you received amazing service from Daniel. Providing excellent customer service is something we take great pride in, and it is always rewarding to hear when a member of the team has made a positive impression.
I will ensure your comments are passed directly to Daniel, who will be pleased to receive your recognition.
Thank you for choosing Spectrum.
Kind regards,
Claire
Lois Saved Me Money and a Lot of Stress
I was genuinely stuck between a rock and a hard place with a potential warranty claim. Our policy only covered labour costs up to a certain rate, but the approved garage that was initially recommended to us had advised us to take the car to a main dealer because their diagnostic equipment wouldn’t be able to identify the faults on our particular vehicle. The problem was that the main dealer’s labour rates were significantly higher than what our policy covered.
When I called Spectrum back, I spoke with Lois, who immediately understood the situation. She recommended a garage close to the main dealer, explaining that they were excellent to work with and that she’d be very surprised if they couldn’t carry out the diagnostics we needed. She also reassured me that Spectrum had an agreed labour rate with them, meaning the work would remain well within our policy cover.
After contacting the garage Lois recommended, everything was exactly as she said. They were able to help, and the agreed labour rate meant I avoided potentially significant additional costs.
Lois saved me a great deal of money and an enormous amount of stress. Her knowledge, understanding, and willingness to help made all the difference. Thank you, Lois!
June 22, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a detailed and thoughtful review.
I was delighted to read your comments and to hear about the positive experience you had with Lois. We appreciate that warranty claims can sometimes be stressful, particularly when there are concerns around repair options, diagnostic requirements and potential costs outside of policy cover. It is therefore especially pleasing to hear that Lois took the time to fully understand your circumstances, explain the available options and help identify a suitable repairer that could meet both your vehicle's needs and the requirements of the policy.
Your review highlights exactly the level of service we strive to provide. Lois' knowledge of our repair network, her understanding of the policy and her commitment to finding a practical solution clearly helped to avoid unnecessary expense and provided reassurance at a time when you were understandably concerned about the outcome.
I know Lois will be genuinely pleased to read your comments and to know that her efforts made such a positive difference. Feedback such as yours is incredibly valuable, and we are grateful that you took the time to share your experience in such detail.
Thank you once again for your kind words and for choosing Spectrum.
Kind regards,
Claire
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one good phone call
I had very friendly as well as professional phone conversation with Lois to make a claim for my vehicle under warranty. Very happywith the service receivedso far. Thank you.
June 22, 2026
Unprompted review
Reply from Spectrum Insurance Services
Dear Mr Topalov,
Thank you for taking the time to leave your feedback.
I am pleased to hear that you found your conversation with Lois both friendly and professional and that you have been happy with the service received. I will ensure your comments are passed on to Lois, who will be delighted to receive your recognition.
Thank you for choosing Spectrum.
Kind regards,
Claire
Got a 5 star Cargiant policy
Got a 5 star Cargiant policy . I phoned up spectrum after having a noise coming from my BMW 5 . I spoke to one of the girls who was very helpful & after being moved from one garage I was told to go & see Nick at brittanic in Tottenham. He spoke to spectrum who authorised a transfer box . Happy customer .
May 16, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that your claim was handled smoothly and that our team were able to assist you in getting the issue with your BMW resolved.
It's also great to hear your positive feedback about Nick at Britannic. Nick is one of our valued authorised repairers, and we're pleased to hear that he provided the service and support you expected throughout the repair process.
Thank you for choosing Spectrum and for sharing your experience.
Kind regards
Claire
DISAPOINTING
I bought a 2022 Audi Q2 through Motorpoint and paid extra for a 3-year extended warranty, which has turned out to be a complete waste of money. After about 7 months, the car developed a loud knocking noise, which I reported immediately to Spectrum and followed all their instructions exactly. The diagnostic found that the gearbox mounting bolts were not properly secured, and multiple mechanics confirmed this is something that should never happen. What makes this even worse is that the engine had clearly been slowly dropping over time due to these loose bolts, which is why the issue didn’t show up straight away, so there’s no way I could have known about it earlier. Despite this, the warranty company refused to cover the repair, hiding behind the excuse that it wasn’t a “sudden fault,” and Motorpoint also refused to help because I was just outside their 6-month window. So basically, they’ll only cover it if my engine had completely fallen out and possibly killed me. Instead, I’m left paying for a serious fault that was clearly there from the start while both companies dodge responsibility. And i am left without a car that i rely on for my job therefore has caused significant stress and anxiety. The idea that I should somehow have checked whether major components like engine or gearbox mounts were properly secured before buying the car is beyond ridiculous. This could have been extremely dangerous, yet neither company seems remotely concerned. Absolutely shocking service, zero accountability, and a complete waste of money. I would strongly warn anyone to avoid Motorpoint and their warranty provider.
June 18, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
I am sorry to hear that you remain dissatisfied with the outcome of your claim and appreciate the frustration and inconvenience this situation has caused.
Following notification of the fault, we reviewed the claim based on the information provided by both yourself and the repairing garage. This included the repair estimate, fault codes, repairer's findings and supporting video evidence.
As part of our assessment, we accepted and authorised the replacement of the ABS wheel speed sensor, as this component had suffered a confirmed electrical failure and fell within the scope of cover provided by your warranty.
In relation to the knocking noise, the repairer advised that the gearbox mounting bolts had become loose. Whilst we understand your concerns regarding how this may have occurred, the evidence provided did not identify a mechanical failure of the gearbox mount itself or any other covered component. The repairer's findings were that the bolts required attention, rather than the gearbox mount having failed.
We appreciate your view that the bolts should not have become loose on a vehicle of this age and mileage. However, the warranty provides cover for the mechanical breakdown of covered components and not for assembly, workmanship or maintenance-related issues where no component failure has been identified.
We would also like to reassure you that your claim was not dismissed. The evidence submitted was reviewed in full and the warranty responded to the element of the repair that fell within the scope of cover. Unfortunately, based on the information available, we were unable to establish that the gearbox mount had suffered a covered mechanical breakdown.
We appreciate that this is not the outcome you were hoping for and thank you for taking the time to share your feedback.
Kind regards
Claire
Excellent service and product
Linzi was excellent! Every question answered and concern or query explained clearly so that I understood.
This isn’t my first claim and every time the claim has been dealt with without fuss or question.
First class service.
June 19, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that Linzi was able to answer all of your questions and provide clear explanations throughout your claim journey. It's particularly pleasing to hear that this has been your experience across multiple claims, as providing straightforward and hassle-free support is exactly what we aim to achieve.
I will ensure your kind comments are shared with Linzi.
Thank you for choosing Spectrum and for your continued trust in our products and service.
Kind regards
Claire
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I’m new to spectrum and can say I would…
I’m new to spectrum and can say I would recommend them.
Staff are friendly, helpful and very informative.
June 2, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that your experience with Spectrum has been a positive one so far. Providing friendly, helpful and informative service is something we take great pride in, so it's fantastic to know this has been reflected in your interactions with our team.
Thank you for your recommendation, and we look forward to continuing to support you throughout your cover.
Kind regards,
Claire
Received a call from Emily who advised…
Received a call from Emily who advised me that my claim is declined when quizzed her the reason why she was unpleasant and seemed to have a sarcastic tone in her voice while I understand my claim was declined there is no need for pure rudeness from her! Looking at all these good reviews for her makes me wonder if her friend or even herself done them !!!! If could it be a no star
June 18, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your feedback.
We are sorry to hear that you were unhappy with your recent experience.
Following your review, we reached out to you directly to obtain further details and better understand the concerns you had raised. We believe it is important to investigate customer feedback wherever possible and provide customers with the opportunity to discuss their concerns with us.
We are disappointed to read your comments regarding Emily. Emily is a valued member of our team and receives regular positive feedback from customers based on their genuine experiences. Whilst we fully respect your right to share your own experience, we do not accept suggestions that customer reviews are anything other than authentic feedback from customers who have chosen to leave them.
We take all feedback regarding customer service seriously and, as with all concerns raised, your comments will be reviewed.
Thank you for taking the time to share your views.
Kind Regards
Claire
Great news
Great news – after 3 weeks, my claim was finally authorised today and approved in full. A big thank you to Andrew W for his help and support throughout the process.
The garage has advised it'll be around another 5 days before my car is ready, but after such a long wait, it's a huge relief to know everything has been sorted. I can finally see the finish line!
June 18, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that your claim has now been authorised and that Andrew was able to support you throughout the process.
We appreciate your patience whilst the claim was being assessed and understand the relief that comes with having a repair approved. We hope the remaining repairs are completed smoothly and that you're back on the road very soon.
I will ensure your kind comments are shared with Andrew.
Thank you for choosing Spectrum.
Kind regards
Claire
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that Emily was helpful, friendly and polite. Providing excellent customer service is something we take great pride in, so it's wonderful to receive such positive feedback.
I will ensure your kind comments are shared with Emily.
Thank you for choosing Spectrum.
Kind regards
Claire
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I spoke to Linzi
I spoke to Linzi, and I have to say that she is an asset to your company. She was polite, considerate, helpful, knowledgeable, and it was a pleasure to speak with her.
A very good member of your team
June 18, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear about your experience with Linzi. Your comments regarding her professionalism, knowledge and helpfulness are greatly appreciated, and it's wonderful to hear that she made such a positive impression.
I will ensure your kind comments are shared with Linzi.
kind regards
Claire
Spoke to Emily today about my car…
Spoke to Emily today about my car needing the abs sorting she phoned the garage where it was at and sorted it to get fixed, she was so polite and I thank her for sorting so quickly I would highly recommend spectrum and there staff i am glad I took the warranty with themselves.
June 17, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that Emily was able to assist with your claim and help get the repair arranged quickly. Providing prompt, helpful and friendly service is something we take great pride in, so it's wonderful to receive such positive feedback.
I will ensure your kind comments are shared with Emily.
Kind regards
Claire
I had a great experience with Emily
I had a great experience with Emily. The whole process was smooth and straightforward from start to finish. She explained everything clearly and made the claim process easy and stress-free. Emily was professional, helpful, and efficient throughout. Thank you for the excellent service!
June 17, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review.
We're delighted to hear that Emily provided such a positive experience and made the claims process smooth and straightforward for you. Clear communication and efficient service are incredibly important to us, so it's wonderful to hear that Emily was able to support you throughout.
I will ensure your kind comments are shared with Emily.
Thank you for choosing Spectrum
Kind Regards
Claire
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