My 2014 Suzuki Swift transmission needs replacing and the second-hand car yard won't honour the warranty

This is precisely why we warn consumers about the worthlessness of extended second-hand car warranties sold through car yards. It’s amazing how many get-out clauses these contracts (for that is what they are) contain and the vast majority of them are designed to take your money and then refuse any costly claims you may have. If the warranty called for a vehicle service in 10,000km, but the transmission didn’t quite make it that far, you’d reckon you’d have a pretty good case for a warranty claim. But experience shows otherwise.

But before you do anything else, have the car inspected by a transmission specialist. It could be something less catastrophic than a completely torched transmission and the fix may be a lot cheaper than the $5000 you’re being quoted. Even if it does need a new transmission, we’d be going through the same specialist rather than a workshop suggested by the car yard that’s already dudded you.