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G.DAVIS
| | Posted on Monday, March 04, 2002 - 02:32 pm: | 
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ANY FIRST HAND EXPERIENCE WITH EXTENDED WARRANTIES,WHO'S GOOD WHO'S NOT |
gp (Garrett)
| | Posted on Monday, March 04, 2002 - 02:34 pm: |
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check archieves on this. this question gets asked all the time.
good ones:
auto advantage (hal moses) broker for many others.
buyers choice
API
never used, but check with http://www.roverguy.com |
shogun
| | Posted on Tuesday, March 12, 2002 - 02:53 pm: |
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Folks I'm new to this board and new to the Disco I (I just bought one last week!)
I also bought an extended warranty. This was a bumper to bumper (exclusionary) warranty for 5 years (from contract purchase) or 100,000 miles total on the odometer. It was $2,500 with a zero deductable.
I got it from Viking Warranty - and they are on the web. This seemed to be about $500-$1,000 less than I could find elsewhere.
Good Luck,
Eric Bernstein |
gp (Garrett)
| | Posted on Tuesday, March 12, 2002 - 03:01 pm: |
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seems like a good find. never heard of em, but that sounds like a good deal. mine was $1700 for 4 years and was not bumper to bumper. hope their service is good. let us know. |
shogun
| | Posted on Tuesday, March 12, 2002 - 09:17 pm: |
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I'm sure I will have plenty of opportunities to report back on their service.
BTW, they are a new company (less than a year old). On the plus side they are also just the administrator of the policy. The actual policy is with an A.M. Best A+ rated company.
My previous policies (other cars) were with Warranty Gold ($3,000 for the Disco) and Warranty Direct ($3,100). We'll see how Viking pans out.
Eric |
Tommy Dougherty (Skydiver)
| | Posted on Tuesday, March 12, 2002 - 10:49 pm: |
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Viking has been around for awhile, but they just got into the car warranties. I've used them in the past for electronics warranties (video cameras,etc.) I haven't needed to file any claims yet, so I don't know how they handle them. They had the best rates for some of my electronics equipment, which is why I decided to go with them.
-Tommy |
Anonymous
| | Posted on Wednesday, March 13, 2002 - 01:25 am: |
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Stay away from Hal Moses Auto Advantage.
They denied every calm that most cover.
Read the fine print. My rover dealer alway states:
That funny all other policies cover that item.
If you have that insurance cancel now. |
gp (Garrett)
| | Posted on Wednesday, March 13, 2002 - 08:14 am: |
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hal is actually a broker for auto advantage. they do not supply the actual warranty themselves. they go out and find the best/cheapest one for your car/truck.
well i am on my second one with him. no problems yet. actually......once you have bought the warranty you no longer deal with hal. you deal directly with the warranty company.....in my case either APi or buyers choice. both have been around for a while.
true. read the fine print......they are not all the same. some will cover diffs and others not. my buyers choice is pretty good. not the best by any means, but covers some things i would never have thought. i have the premier (big wow) coverage though. |
shogun
| | Posted on Wednesday, March 13, 2002 - 09:37 am: |
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When buying extended warranties the best policy you can get is dubbed as "exclusionary" coverage, i.e.; whatever is listed is "excluded" from coverage and if it is NOT listed then it IS covered - period.
Inclusionary is the more typical type of coverage we've all purchased; i.e. only if it's listed is it "included" in the coverage.
Exclusionary coverage is typically only available if the automobile is still within factory warranty. Once you cross that 50,000/4 year threshold you are stuck with getting an inclusionary policy.
Exclusionary policies that I've reviewed typically mirror, as closely as possible, the factory bumper-bumper coverage. Most have a zero deductible option (for $75-$200 more), all let you go for repairs wherever you choose (including the dealer), and most will pay about $30/day for a rental (but only if your car is in the shop overnight).
What's the saying? "Let the buyer beware"
Good Luck,
Eric |
Alyssa
| | Posted on Wednesday, March 13, 2002 - 04:41 pm: |
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Land rover has their warranties available again. you can go up to 84 months or 100000 miles. They are called Assured or Certified Plus. If you qualify, those really are the best warranty you can get, because every single land rover dealer in the country will honor it. With aftermarket warranty, check with your dealer to see if they will honor it. They aren't obligated to. You may need to submit all your receipts, etc. to the warranty company and wait for a refund, and you'd be surprised what they will or will not pay for, and how much they will pay. Most of our customers with aftermarket warranties are very unhappy.
just my 2 cents. |
Shogun
| | Posted on Thursday, March 14, 2002 - 12:05 am: |
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Alyssa,
FWIW, the three companies I've used (Warranty Gold, Warranty Direct and Viking) all pay the dealer directly by a corporate credit card. No reimbursement, etc. to worry about.
Last but not least, all the dealers I've used on my previous warranties/cars (Cadillac and Lexus) gladly embraced my direct paying warranty because it paid them at their FULL retail shop rate. Heck, the dealer shops even helped me find things that I didn't even know were broken!
On the two previous "exclusionary" policies I had - I never had a claim denied. Please remember this isn't an endoresment - just my experience.
I also looked at the Rover policies. The problem is that I was told the 84 months started from the in-service date of the car, the polices were also more expensive for less coverage. In this case, the 5 yr./100,000 miles equates to 5 years from contract signing or 100,000 on the odometer, whichever comes first.
My facts may be hazy on the Rover policies. Please let everyone know if I'm mistaken.
Regards,
Eric |
alyssa
| | Posted on Thursday, March 14, 2002 - 09:53 am: |
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Our experiences haven't been pleasant with aftermarket. I don't get into the nitty gritty of warranty claims, but I do hear all of the headaches that they cause. We've had customers waiting for 3 weeks just for an inspector to come out to approve the work. We've also had people pay their bill up front, only to have the majority of claims denied. Most of our customers with aftermarket warranties are unhappy with them.
HOWEVER, I never meant to suggest that all aftermarket warranties are bad. I couldn't possibly know about all of the choices out there. |
elr
| | Posted on Thursday, March 14, 2002 - 12:09 pm: |
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i'm curious if people who have purchased extended warranties think they get their monies worth or is it a wash - would the average disco require 2 or 3000 dollars repair between 50 - 100k miles? |
alyssa
| | Posted on Thursday, March 14, 2002 - 07:07 pm: |
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I work AT a dealership & pay minimal costs when it comes to getting work done. I've shelled out at least $6000 in repairs in 40,000 miles. I'd say it is absolutely worth it. |
Tia
| | Posted on Monday, March 18, 2002 - 11:39 am: |
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Roverguy.com is now covering seals and gaskets with their new plan. Their initial plan was so popular that they received offers from better insurers and underwriters. The new plans looks sweet.
Tia |
shogun
| | Posted on Monday, March 18, 2002 - 02:50 pm: |
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Tia:
Do your homework - there are a lot of options out there.
Check with:
Warranty Direct
Warranty Gold
Viking Warranty
The Land Rover Extended Warranty
It'll take a little work but you can back everything into and apples to apples comparision.
Good Luck,
Eric |
olered
| | Posted on Monday, March 18, 2002 - 03:50 pm: |
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I contacted a LR dealer here in Atlanta last week. I inquired about the LR extended warranty. He stated that you must purchase the extended warranty at the time of purchase of your LR. You may not simply go into a dealership and buy a warranty (if you purchased your LR from a private party).
Just a little FYI |
Alyssa
| | Posted on Monday, March 18, 2002 - 04:17 pm: |
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That is no longer true. The old Land Rover warranty was like that, but the new warranty can be purchased whenever you want. Your dealer is probably going by the old rules. |
olered
| | Posted on Monday, March 18, 2002 - 04:34 pm: |
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I get so many different stories. I don't know which one to trust. |
Alyssa
| | Posted on Monday, March 18, 2002 - 04:42 pm: |
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According to the "Certified Pre-Owned & Assured Service Contract Programs 2001-2002 Retailer Reference Guide," Assured eligibility is "at least 1 month and 1,000 miles of Land Rover New Vehicle Limited Warranty Remaining."
Certified Plus is available to "Customer with up to 1 month and 1,000 miles of Certified limited warranty remaining," and the vehicle must be a "Current Model year plus 6 prior Model Years and fewer than 75,000 miles."
The Assured Driveline Service Contract eligibility is "MORE THAN 6 years Old OR More than 75,000 Miles but less than 100,000 Miles." |
olered
| | Posted on Monday, March 18, 2002 - 04:47 pm: |
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Is this a bumper to bumper? Is anything excluded? I hate surprises!!!
Sorry to go off topic..warranty related...
I have a sticking valve. I know its a sticking valve and so do other Disco owners and even LR representatives. I cannot get it covered under warranty until a "light" comes on. I only have about 7k left on my warranty. Alyssa, can you vouch for this? Am I required to wait on a light that will come on at 50,001k miles? |
Alyssa
| | Posted on Monday, March 18, 2002 - 05:02 pm: |
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I'm sorry, but I don't get into the nitty-gritty of Warranty claims. If you want to get an assured contract, it is the same coverage you have now with a few changes. First, there is a $100 deductible.
The following items are not covered:
- air-conditioning recharging
- air-conditioning hoses
- alignment of body parts
- alignment of bumpers
- alignment of glass
- batteries
- battery cables
- body seals and gaskets
- body panels
- brake drum
- brake pads
- brake rotors
- bright metal
- bumpers
- carburetor and throttle body (except
injectors)
- carpet
- catalytic converter (except when covered under the federal emissions warranty)
- CB radios
- Contaminated fuel systems
- Correction of air and water leaks
- Convertible tops
- drive belts
- engine coolant
- engine tune-ups
- exhaust system
- filters
- fluids
- glass
- graphic equalizers
- heater hoses
- hinges
- lenses
- light bulbs
- lubricants
- manual clutch components
- molding
- non-factory AM-FM radios, tape players,
CD players & speakers
- paint
- radar detectors
- radiator hoses
- rust damage *
- sealed beams
- sheet metal
- shock absorbers
- spark plugs
- spark plug wires
- suspension alignments
- telephones
- tires
- trim
- upholstery
- vacuum hoses
- vinyl tops
- weather strips
- wheel balancing
- wheel covers
- wind noise, squeaks and rattles
- windshield-wiper blades
That may seem like a long list, but it's really mostly wear and maintenance items. ...and, that list is for Certified exclusions, so it's more of a worst-case scenario list. |
olered
| | Posted on Monday, March 18, 2002 - 06:06 pm: |
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Cool. Thanks for the info. |
Emilio
| | Posted on Monday, March 18, 2002 - 07:12 pm: |
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Alyssa,
One more question if you don't mind. Is it a good idea to purchase the rover extended warranty now instead of later?? I have a 2000 DII with 30K, so does it make sense to purchase one so early to avoid the chance the Rover will change the extended warranty deal?
Emilio |
Alyssa
| | Posted on Monday, March 18, 2002 - 10:48 pm: |
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Geez, I sure don't know. It really just depends on if the prices are going to go up or not, if Land Rover gets bought out again (I don't see that happening soon), what your investments are doing, what your rate of borrowing is if you were to finance the amount... If you were pre-15k miles, you would get a lower price than after 15k, but that obviously doesn't apply in your circumstance. It really is your decision. |
olered
| | Posted on Wednesday, March 20, 2002 - 02:02 pm: |
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What are some of the prices that everyone has paid for their extended warranties? |
gp (Garrett)
| | Posted on Wednesday, March 20, 2002 - 02:35 pm: |
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$1700 for 4 years with $100 decduct. |
Shogun
| | Posted on Wednesday, March 20, 2002 - 09:39 pm: |
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Olered,
I paid $2,500 for a zero deductable, 5yr. (from date of contract signing), 100,000 mile (total odometer reading), bumper to bumper, exclusionary warranty. The warranty also covers car rental @ $30/day for any repairs taking longer than 1 day. This comprehensive of a warranty is usually only available if your car is still within the original factory warranty.
In this case, I have a '98 Disco. I just bought the policy a few weeks ago. The car will be covered until 2007 or 100,000 miles wichever occurs first. Be sure you understand how the time/mileage issue is applicable to your warranty. Some warranties state 72 or 84 months, etc. but that "time" clock begins ticking from the in-service date of the auto. In my case, that 72 months would only give me coverage for 2 additional years.
The warranty I use pays any repair facility you choose (must be ASE certified) via corporate credit card (meaning you do not pay out of pocket).
The policy is an exclusive warranty meaning it covers all items NOT listed. Those items listed include scheduled maintenance items, repairs caused by lack of scheduled maintenance, paint, trim, weather stripping, etc. All of the companies out there will let you view their boiler plate contract on-line. Make sure you read all competing policies carefully.
Inclusive (powertrain policies, etc.) warranties mean they only cover the items listed. Basically, if you have a repair and that item is NOT specifically listed - you will be responsible for payment.
There were three different companies I found that offered an exclusive warranty for 5yrs/100,000 miles, had a solid re-insurer, offered a $0 deductable, paid claims via corporate credit card and were members of the Better Business Bureau.
They were:
Warranty Direct (I used them on a '95 Seville STS where they paid out over $4,000 in 16 months and never denied a claim.)
Warranty Gold (I'm using them now on my GS400 and I doubt I will ever have a claim.)
Viking Warranty (This is who I'm using on my Disco due to the fact that neither Direct or Gold could drop below $3,000 for their policies. I have no claims experience yet with Viking.)
The policy I've bought ($0 deductable option) with Viking is not available for another month. Their manager pre-sold it to me at my request. Currently, they offer the same policy I have with a $50 deductable for $2,200. I paid $300 more for the $0 deductable option because I'm betting my Disco will be in the shop more than 6 times over the next 5 years.
Your mileage may vary. Please let everyone know what you find out and GOOD LUCK!
Eric Bernstein |
Mike P
| | Posted on Wednesday, March 20, 2002 - 10:05 pm: |
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Car warranty direct .com is the one I'm going with. 3yr/40k mi Bumper to bumper if you have less than 80k. Runs around $1600.00 all the pros that Viking has, no out of pocket/roadside/ect. I think your Disco has to still be under factory warranty at the start of coverage to get this low rate.
Labor rate is up to about $120hr is covered. Guy said only one LR dealership they have worked was higher than that.
Mike |
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