This situation is precisely why we can’t recommend any of these aftermarket warranties or service plans. There are simply too many loopholes written into them to enable the provider to take your money and then deny your claim when you need them most. Fundamentally, they’re the new snake oil. Maybe there are some decent ones out there, but the majority are a straight rip-off.

They also tend to lock you into more expensive dealership servicing, too. But even then, when something goes wrong, you’ll often find that particular problem isn’t covered in the fine print.

Like the other dealership add-ons – paint treatments and upholstery protection to name just two – these extended warranties are generally not worth the paper they’re printed on. You’ve learned this the hard way, but it’s also sounds like the product was mis-represented at the time you signed up for it. If that’s the case and you can prove it, then I’d be talking to the ACCC.

A: You’re right; every car has its positives and negatives, so try before you buy. Sit in them, drive them, and assess them for your particular needs. There are no hidden nasties in the Juke or Cooper A to worry about. You can negotiate on anything, everything is up for grabs, so have a go and see what you can win.