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.

Hi Jeanie, assuming you mean the turbo-charger, it is located at the front of the engine, behind the heat shield. It isn't too difficult for an experienced BMW/Mini mechanic to do the job, but the turbo itself may be expensive to replace if it is seized, and you may also be faced with high hourly labour rates going to a BMW/Mini specialist, so do shop around. Please do ensure that you speak to a specialist who has worked on Minis before.

Here's a top tip: assuming also that your Mini is from 2007 to 2014 (R55 through to R60 series), call up Peugeot specialists too, as the 'Prince' engine in Mini turbos is exactly the same as the ones used in some Peugeot 207, 308, 508 and RCZ models from about 2007 to 2015. Later Minis (from 2014 to date with an 'F' designation like F56) use an entirely different engine, so if that's yours, disregard the Peugeot specialist.

You can get a good feel for a car’s quality simply by looking at things like the paint finish, the panel fit, the feel of the doors as they open and shut, the touch of the trim and plastics in the cabin. Kia’s quality is generally good; I can’t see any reason why you should be disappointed with the Cerato.