TMO - The Motoring Organisation Reviews 

539
•
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Evaluating 328 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the polite and efficient staff who make the entire repair process completely smooth and hassle-free from start to finish. Consumers often highlight the exceptional customer service, noting that advisors are extremely helpful, reassuring, and quick to resolve daily motoring issues. However, some reviewers were not happy with their coverage, mentioning that several valid claims were unfortunately dismissed as general wear and tear. Some people also felt that email communication was lacking during disputes, leaving them deeply frustrated with the company's overall policy terms.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, noting that representatives are extremely polite,... See more

Customer service

Customers had positive experiences with customer service, often highlighting swift responses and polite... See more

Service

Clients share positive opinions on service, frequently describing the support as fast, efficient, and very... See more

Claim

Customers consistently note positive experiences with claim processing, frequently highlighting helpful staff... See more

Warranty

People report ambiguous experiences with warranty services, as opinions on coverage are deeply divided. While... See more

Reviews shaping this summary

Rated 5 out of 5 stars

The team at TMO made the repair seamless at every step, from reporting the fault to paying for the repair. Becca and Siobhan were really understanding and helpful with my problem. It made the overall... See more

Rated 5 out of 5 stars

They answered my call straight away and had my car booked into one of there registered repairers within the hour. once the diagnostic itemized the fault and they were informed they rang me straight aw... See more

Rated 5 out of 5 stars

I have used TMO on a few occasions and have been happy with the warranty cover they provide. This recent claim was handled very efficiently by Rachael with a courtesy call from her stating that the... See more

Rated 5 out of 5 stars

Had a problem with my car informed TMO and they where polite and efficient and helped me through the process especially Luke and Mollie, the whole process was smooth and sorted as soon as the garage... See more


Company details

  1. Car Repair and Maintenance
  2. Insurance Broker

About TMO - The Motoring Organisation

Written by the company

The Motoring Organisation (TMO) has been part of the UK’s motoring story for over 50 years. With a legacy built on introducing extended warranties to the UK in the 1970s and continuing ever since to bring protection, support, and peace of mind to drivers, dealers and partners alike.

Over the decades, we have worked closely with many of the UK’s most trusted names and businesses:

• The AA
• RAC
• Vehicle manufacturers
• National dealer groups
• Major vehicle businesses

These partnerships have helped shape our expertise in warranty product development, claims administration, and dealer operations.

In 2020, we launched “The Motoring Organisation” as an independent brand, rooted in the experience we’ve accrued over decades. From that point, we set out to do things differently — to offer Aftercare that is smart, reliable, and customer-focused.

Our flagship Aftercare product is built to delivery what customers really need. We take the burden off drivers and dealers, helping protect against rising costs, uncertainties, and the unexpected.

We pride ourselves on:

• Great Service
• Transparency
• Integrity

As the UK’s #1 Trading Standards Approved Aftercare provider, our mission is to ensure every interaction is clear, supportive, and puts the customer first.

At TMO, we’re not just keeping pace with change — we aim to lead it. Our vision is to build solutions that deliver real value, trusted cover, and confidence on the road, every time.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

539 reviews

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1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 76% of negative reviews

Typically replies within 2 weeks

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4.6

All reviews

(539)

328 reviews in the last 12 months

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Rated 5 out of 5 stars

I dealt with a gentleman called Tim

I dealt with a gentleman called Tim, he was very helpful and professional, answered all my questions and queries, gave me absolute confidence and piece of mind to enter into the plan that the service can offer 👍😊

1 June 2026
Unprompted review
Rated 1 out of 5 stars

Warranty not worth the paper it’s…

Warranty not worth the paper it’s written on. Claim for new timing belt refused on the basis of wear and tear. This is despite confirmation reports from two independent garages (one of whom carried out the repair) that the failure was not the result of wear and tear but by A and B camshaft actuators. Jaguar also confirmed timing chains should last the lifetime of the engine. Company has acted in bad faith and shocking communication. Highly recommend not going anywhere near this company.

Further to the response from TMO, I would be interested in understanding your rationale behind ignoring the written evidence of two garages stating it it was not wear and tear? And why it took you two months to the day to respond to my issue despite having no intention of paying contrary to all the evidence?

27 May 2026
Unprompted review
TMO - The Motoring Organisation logo

Reply from TMO - The Motoring Organisation

Dear Miles,

We’re sorry to read that you remain unhappy with the outcome of your claim.

Having reviewed the case in detail, the claim was assessed using the diagnostic information and findings provided by two separate repairers during the investigation process. Both repairers identified timing chain stretch/timing over-advanced issues, which are generally recognised as progressive conditions that develop over time through wear and deterioration, rather than as a sudden mechanical failure.

Your policy covers sudden and unforeseen mechanical breakdowns and, as outlined in the written response provided to you, the evidence available at the time did not support that the failure met the policy definition of a covered breakdown.

We also note your comments regarding the camshaft actuators and the discussions you had with Jaguar. As advised during the complaint process, had further technical evidence been provided demonstrating a sudden mechanical failure rather than progressive deterioration, we would have been happy to review the matter further.

We appreciate that not all claim decisions will align with customer expectations, however our wider customer feedback across platforms such as Trustpilot and Google reflects the service and support most customers receive from our team.

TMO

Rated 5 out of 5 stars

Amazing company

Great company a man called Tim was the gentleman what was dealing with me couldn’t be more helpful he was explains and breaking down all my perks of my policy he helped me set up a new policy quickly and efficiently
Top man

28 May 2026
Unprompted review
Rated 5 out of 5 stars

Prompt first class service by TMO

Cannot fault the speed of response by TMO following a repair needed. My local garage emailed day1, day 2 an initial acknowledgement for request.
Day 3 followed up with myself to clarify the issue later in the day a confirmation that the claim was accepted.

21 May 2026
Unprompted review
Rated 5 out of 5 stars

Very efficient and helpful

Very efficient and helpful, my warranty case was dealt with by Charlotte, Maria and Rachel in a timely and informative manner. They were professional and made the process smooth.

21 May 2026
Unprompted review
Rated 5 out of 5 stars

Rachel

Rachel, was very understanding and helpful. She listened to me and responded professionally. 100/100.

21 May 2026
Unprompted review
Rated 5 out of 5 stars

Excellent service

Every time I have emailed, Rachel or Charlotte has responded very quickly with a phone call explaining the situation in detail. All communication was quick and put my mind at ease.

20 May 2026
Unprompted review
Rated 1 out of 5 stars

Buyer beware, you may be left out of pocket.

I would recommend that people look elsewhere for any extended warranty on their motor vehicle. First claim on my car was with the main dealership for creaking noises from the rear axle. TMO said they would only pay £40 per hour for labour charges (there is no mainstream garage in the Lothians that I know of can work at this rate) when Mercedes were £163 per hour. None of this information is explained within their documentation material. Should you go directly to TMO with an issue they will shop around to see who can quote the cheapest to fix your car. I have Platinum Plus cover and my first experience has been terrible, Raised a complaint and it will be up to 8 weeks before I get a response.... It may be that this company is promoting it is compliant with the Motoring Ombudsman, but will have to see what the with the FCA have to say, which deals with Extended Warranty companies and clear terms and conditions.

3rd June Update in response.

I have been through all the supplied information and i can see no reference to any stipulation of Labour rate. If you say it is within the supplied policy documentation then please provide a response to this thread showing this information and in which document this information is contained.

8 weeks to respond to a complaint in a ludicrous amount of time considering you have managed to respond to this public forum in a matter of days.... Especially as you state you are compliant with the FCA regulations regarding extended warranty terms.

This is to help others that are considering your product to have the full information prior to taking out any cover.

5 May 2026
Unprompted review
TMO - The Motoring Organisation logo

Reply from TMO - The Motoring Organisation

Dear Hath,

We’re sorry to read your comments and naturally take concerns of this nature seriously.

Unfortunately, with the limited information available from the review, we’ve been unable to locate or verify the policy in question to fully investigate the circumstances surrounding the claim and complaint referenced.

However, in general terms, labour rate limits and repair terms are outlined within the policy documentation provided at the point of sale, and these limits can vary depending on the level of cover selected and the type of repairer used. Manufacturer main dealer labour rates are often significantly higher than independent repairers and can exceed the allowances contained within many aftermarket warranty products.

Equally, our role is not simply to “shop around for the cheapest repair”, but to help customers access suitable VAT-registered repairers capable of carrying out repairs to the required standard, while also ensuring claims are managed fairly and consistently for all policyholders.

In relation to complaints, all complaints are investigated and handled within 8 weeks for a formal written response where necessary, although we always aim to resolve matters much sooner where possible.

Should you wish for us to review the matter properly, we’d encourage you to contact us directly with your policy number or vehicle registration so we can investigate the concerns raised in full.

TMO

Rated 4 out of 5 stars

I called to enquire about reimbursement…

I called to enquire about reimbursement for work that was being carried out on my electric mini while it was in the garage. My call was answered straight away and I was directed to ask the garage to call them regarding the work. Shortly afterwards Rachel called to let me know that my claim had been agreed. When I picked my car up the mechanic told me that the company had been so straightforward and pleasant to deal with, they had waived the admin fee normally charged. Thank you.

18 May 2026
Unprompted review
Rated 5 out of 5 stars

Charlotte at TMO did a great job…

TMO did a great job looking very closely at the repair needed to fix my car under its warranty and gave its approval to go ahead. Big shout out to Charlotte at TMO for handling this matter with such professionalism and gusto. I’m glad I took out the warranty. Great customer service.

18 May 2026
Unprompted review

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