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BMW 3-Series (E90 E92) Forum > E90 / E92 / E93 3-series Technical Forums > Mechanical Maintenance: Break-in / Oil & Fluids / Servicing / Warranty > so i got an extended warranty...



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      09-08-2009, 07:55 PM   #1
elephino
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so i got an extended warranty...

Ive been on the fence for a while, but finally decided to pull the trigger for the peace of mind... it almost makes me wish that something will break, just to justify me paying the extended warranty!

anyways, i got full a bumper to bumper 3 yr 100k warranty through my federal credit union for $3060

was that a good price?

thanks,
adrian
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      09-08-2009, 10:01 PM   #2
BayMoWe335
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Seems like a lot for 3 years. You'll never get to 100k miles, so it's really 3 years ($1000 per year).

I would have expected more years for that price.
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      09-08-2009, 10:04 PM   #3
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Quote:
Originally Posted by BayMoWe335 View Post
Seems like a lot for 3 years. You'll never get to 100k miles, so it's really 3 years ($1000 per year).

I would have expected more years for that price.
Why wont he get to 100k? The car will fail or he will not drive it that much? Seems a bit high though if I remember correctly. Not sure though.
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      09-09-2009, 12:00 AM   #4
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well, if they've got a good Rep, than it's worth it

but there are those who don't pay up...
my dad had to replace his transmission and they didnt pay because instead of changing his oil at every 3k miles, he did it at 3500 miles once.... that was their excuse...
I wanted to take them to court but it wasn't worth it
my dad had a dodge and the tranny cost about 1100 so lawyer fees themselves would have been much more.
but it was the principle i guess

nonetheless, 3k isn't bad as long as it's a good reputable company.
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      09-09-2009, 05:40 AM   #5
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^^ AGREED And trust me you have one big ticket item go, that $3,000 will be a drop in the hat
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      09-09-2009, 07:54 AM   #6
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Quote:
Originally Posted by Prowess Symphony View Post
Why wont he get to 100k? The car will fail or he will not drive it that much? Seems a bit high though if I remember correctly. Not sure though.
Meaning, if he's like me, the years will run out before the miles...
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      09-09-2009, 03:02 PM   #7
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I would have thought it would have been more like 5 years, but if you end up needing it, it will make it worth it.
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      09-16-2009, 12:19 AM   #8
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You bought your warranty from your credit union, but who is it with? I'm at 45k miles and shopping around for a warranty too.
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      10-08-2009, 02:09 PM   #9
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Quote:
Originally Posted by mahutchi View Post
You bought your warranty from your credit union, but who is it with? I'm at 45k miles and shopping around for a warranty too.
I've researched the following Warranty options:

1. BMW Dealership Business Manager quoted a Mile One plan for 5/100k-$100 deductible=$3,645.

2. Easy Care: rep on phone directed me to 2 "Local Preferred Dealers" (Honda & Ford dealerships) as they cannot provide coverage directly over the phone to three states: MD, CA, KY. I left messages with both contacts to discuss options on Monday - no return calls from either.
http://www.easycare.com/

3. Warranty Direct: rep on phone quoted "Secure Care" (top of line) plan for 4/100k miles-$100 deductible=$4,494.
https://www.warrantydirect.com/

4. Carchex: rep on phone quoted plan for 4/100k miles-$50 deductible=$2,579
http://www.carchex.com/Default.aspx

I've learned that both Carchex and Warranty Direct offer "exclusionary" warranties, meaning everything is covered, other than what is specifically noted in the Exclusion section of the contract. (these exemptions are specifically noted in detail). Most importantly both cover "wear & tear" items, which is crucial as some warranties will only cover what they define as "mechanical breakdowns". One can also have the cost spread out via monthly payments, and pay off the total over a selected period of time.

After my reading and research, Carchex is a legit company; accredited by the Better Business Bureau (BBB), associated with Carfax, Cars.com, Lending Tree, etc. Carchex is a broker and considers themselves as the "Progressive" of Extended Warranties, they shop around depending upon the make, model, mileage of your car and secure the best rate. For my car (07 335i / 46,100 miles) a company called Alpha Warranty Services would handle my claims.

Warranty Direct is the consumer division of Interstate National Dealer Services, one of the oldest and largest independent automobile warranty providers in the US. They have nearly 30 years of experience, nearly 2 million car warranty contracts sold and over $600,000,000.00 in paid claims.

These seem like total comprehensive protection plans and should address my main concern of coverage for the new turbo N54 engine, as mileage increases and issues arise, I can bring it into the local BMW dealer and shouldn't have to worry about the expensive repair costs. However #16 of the Carchex "Exclusions" section of the contract states the following:

Any parts replacement or service which is considered normal maintenance by the manufacturer including but not limited to: tune-ups, carburetor adjustments, oil changes, chassis lubrication, engine adjustments, fuel system cleaning, repairs related to fuel or oil contamination, spark plugs and wires, front end alignments including adjustments/alignments to Covered Repairs, wheel balancing, positive crankcase ventilation valves, filters, belts, hoses, constant velocity and double offset joint seals and/or boots, brake linings or pads, manual clutch assemblies, friction disc, throwout bearings, pressure plate, manual hydraulic linkages, the following emission components: purge sensors/solenoids/valves, vacuum canister, vapor return canister, vapor return lines/valves, air pump/lines/valves, emission vapor sensors, gas cap/filler neck.

Not a tech, but are these emissions components (in red) a crucial part of the turbo engine or separate? Since this is an "Exclusionary" contract, Wastegates, Turbos, Vanos Intake/Exhaust servomotors, Low/High Pressure Sensors aren't listed, so I would assume they would be covered? I'll probably need to confirm with the rep, but figured I'd throw it out there.

On the other hand Warranty Direct DOES cover the emissions as it's verbiage states:

We will pay the repair facility of Your choice, or reimburse You, for the reasonable cost to repair or replace any part of Your Vehicle where a Failure has occurred, except for those items listed in the Exclusions section of this booklet.

(Coverage includes, but not limited to Engine, Turbo/Supercharger, Transmission, Transfer Unit (4x4), Drive Axles, Steering, Electrical, Front and Rear Suspension, Brakes, Anti-Lock Brakes, Air Conditioning, High Tech Electronics, Cooling, Fuel Delivery and Seals & Gaskets.)

The following Emissions System parts are included in SecureCare+ coverage:

Air Fuel Ratio Sensor, Air Induction System, Air Pump, Anti-Knock Sensor, Barometric Pressure Sensor, Canister Purge Solenoid, Deceleration Valve, EGR Recirculation System, EGR/EFE Thermal Vacuum Switch, EGR/EFE Valve, Engine Oil Fill Cap, Fuel Fill Pipe and Cap, Fuel Fill Neck Restrictor, Fuel Receptacle, Fuel Sensor, Fuel Tank Pressure Control Valve (PCV), Fuel Temperature Sensor, Idle Air Control Valve, Intake Air Resonator, Intake Air Temperature Sensor, Intake Manifold, Manifold Air Pressure (MAP) Sensor, Mass Air Flow Sensor, Oil/Air Separator, Oxygen Sensor, PCV System, Positive Crankcase Ventilation Valve, Powertrain Control Module (PCM), Secondary Air Injection System, Throttle Body Assembly (MFI)

Appears one would select the latter, as it specifically states the Turbo engine and Emissions System Parts.

Has anyone dealt with Alpha Warranty Services, purchased a warranty through Carchex or Warranty Direct? I know these extended warranties can be complicated, shelling out additional monies for warranties now may be tough, but the old saying goes: "it's not IF, but WHEN you'll need to make those costly repairs"

* Apologies for the long winded message, but any feedback would be appreciated. It's not the most interesting thread, but at minimum members will have additional information & resources to check out for extended warranties.

I initially started this thread on 9-24-09, under the General Forum; link below:

http://www.e90post.com/forums/showthread.php?t=305143
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