When I had a Naim item that needed to go back to the factory under warranty repair, I paid nothing. The dealer even offered to pick it up, but as I was going past I dropped it off.
My in warranty 552 developed a fault on the left channel a few day ago the following day the dealer installed a loan 282 took the 552 away which has been returned to Naim for repair no charges whatsoever.
The same thing with my ND555 which developed a DAC board fault a oouple of years ago a loan NDX2 installed on loan all FOC.