BMW Comprehensive Extended Warranty

rup · 12-29-2010, 07:08 AM

I've got the comprehensive extended warranty with £100 excess. Took it in as there was a warning light for the brake sensor.
Dealer says brake sensor NOT covered by warranty but looking at

http://www.bmw-warranty.co.uk/Pages/...e/Features.htm

I think it is? Anyone have similar experiences with BMW warranty?
Also, they found a noisy fan (in dashboard) which they say is covered but want the £100 excess. Fine, but they say even if warranty does cover sensor £100 excess applies again ie it's per item, so that'd be £200 excess in total for the 2 items.
Anyone know if this is correct?
If so, i would advise everyone to get £0 excess

chris_s1 · 12-29-2010, 07:19 AM

I guess they will argue that a brake sensor is a "service items which will require periodic replacement" in which case it is excluded.

It does state "The excess is payable on any claims you make on the policy" so each item would be its own claim.

AlwynMike · 12-29-2010, 09:08 AM

Also, if you take your car in with an intermittent fault, they charge you for the time they take NOT to find the fault. (If we had found a fault, it would have been covered, Sir. But as we didn't find anything, we charge for the time.)

Bye Bye BMW Warranty. Hello Warranty Direct (at a quarter of the price).

Mike

ihpj · 12-29-2010, 09:16 AM

From my understanding of the BMW Extended Warranty, the excess is only payable once as it is per claim and not per item.

So if you take your car in for one item, but they then find 3 other things wrong, then you still only pay the excess once as it is all one claim.

Moot point for us as we elected to go with the NIL excess to avoid any ambiguity

However, if you are in any doubt, then I would speak with the Warranty people directly as they are very helpful and provide great support.

Hotcoupe · 12-29-2010, 10:37 AM

Quote:

Originally Posted by AlwynMike

Bye Bye BMW Warranty. Hello Warranty Direct (at a quarter of the price).

Mike

Mike, have you not pondered why WD are the quarter of the price?

From personal experience I'd not go near them even if they were the only company offering a warranty.

rup · 12-29-2010, 10:43 AM

Quote:

Originally Posted by ihpj

From my understanding of the BMW Extended Warranty, the excess is only payable once as it is per claim and not per item.

So if you take your car in for one item, but they then find 3 other things wrong, then you still only pay the excess once as it is all one claim.

Moot point for us as we elected to go with the NIL excess to avoid any ambiguity

However, if you are in any doubt, then I would speak with the Warranty people directly as they are very helpful and provide great support.

Thanks for the tip, i'll call BMW warranty and see what they say. Bet it's per item though!

Vaheed1 · 12-29-2010, 10:57 AM

I bought an RAC warranty when I bought my car and the more I think about it, the more i wonder if there's really any point in having a warranty - taking in consideration as to what it covers? Nearly everything that will go wrong with a modern car comes under 'wear and tear'. However, my warranty was the standard £300 job - looking at the RAC website - they have a 'Gold' option, which covers a massive range of problems - even things which most dealers would call 'wear and tear' under their manufacturers warranty. http://media.rac.co.uk/pdf/6071-rac-warranty.pdf

zltm089 · 12-29-2010, 11:04 AM

Warranty Direct got lots of negative feedbacks on forums...

MEGA · 12-29-2010, 11:10 AM

I made multiple claims last year on BMW warranty and some for multiple items.

I can confirm it is PER CLAIM not PER ITEM. If the dealer try and mess you around on this point: Take it to another dealer. Or atleast threaten to do so.

It is as simple as that. There is no way I am wrong on this one dude, as I've been through all this. If they won't play ball - go somewhere else.

Dave

ps Brake sensor clearly not a warranty claim. It is wear and tear.

m1bjr · 12-29-2010, 12:57 PM

Quote:

Originally Posted by MEGA

IIf the dealer try and mess you around on this point: Take it to another dealer. Or atleast threaten to do so.

No, if they wont play ball mention to BMW UK they are ripping customers off.

C'mon, they do this for a living - it's not some admin 'oversight'

Name and shame these stealing twats!

AlwynMike · 12-29-2010, 01:15 PM

Quote:

Originally Posted by Hotcoupe

Mike, have you not pondered why WD are the quarter of the price?

From personal experience I'd not go near them even if they were the only company offering a warranty.

Yes, I know they have had bad press, as have other Warranty providers. I just could not justify £1000+ per year for the BMW one (on a 3 year old 530d with less than 30k on the clock). I know I'm not covered as "comprehensively" as the BMW one, but I am (quite) confident that major items are covered and the £750 or more I am saving per year going with WD can cover the "minor" items. The car is now 6.5 years old, with 56k on the clock. I have been without DSC for a year as I can't be bothered to take it in, but otherwise it has been faultless. My previous E46 330d's both ran faultlessly and warranty-less to 100 and 120k (I do a LOT less miles nowadays!) before I defected to the 5er.
Still, back to a 3 for me now - on the lookout for a 335d Touring!

Mike

rup · 12-30-2010, 12:49 PM

Thanks for the info guys. Cost me £60 for the brake sensor and my £100 excess on the blower. They said that without the insurance would have been £300 plus for the blower!

Jeff123 · 12-30-2010, 02:19 PM

One of the main disadvantages with the BMW "insurance" warranty is that the car is now more than 3 years old and rapidly approaching the point where the trade in value is low. On other cars that I have owned in the past, when they have been more than c4 years old I have tended to look for a non-franchised specialist. This is not an option with the BMW warranty. Essentially, if you take up the warranty, you are insuring yourself for BMW dealer bills - much higher than an Indy.

The excess also means that if you make a claim, the first £100 or more is excluded; so, in reality, you are just looking at fairly major claims for it to be justifyable.

I prefer to save the money and take the risk.

DaveyCUFC · 12-30-2010, 06:18 PM

Please be careful with Warranty Direct, I know them very well, run from a small office in Reading. I know people who have worked for them but left because their morals can't take it.

Make absolutely sure you have cast iron proof of VAT registered servicing and non expiring MOT. Also they claim excess is per claim but their definition of claim is per item not claim as normal people would see it (would household insurance separate DVD and tele claim if you were burgled?).

Their techs are also targeted on rejecting claims and reducing outlay - not really a sign of a company wanting to play fair.

Personally I would not touch as I would have no faith of them paying if needed. Too many people have found out the hard way.

ASR1 · 12-31-2010, 04:40 AM

I used to have a Warranty Direct policy on my old 535d - never again!

Now have a zero excess comprehensive BMW policy on my 330i (and peace of mind)

m1bjr · 12-31-2010, 06:23 AM

http://www.warrantywise.co.uk/

Anyone have a comment?

Hotcoupe · 12-31-2010, 07:34 AM

Quote:

Originally Posted by m1bjr

http://www.warrantywise.co.uk/

Anyone have a comment?

On the face of it it looks good, and if your car is as it was when it left the factory I could not find too much to grumble at, although I didn't get a quote.
However as with other warranties out there this exclusion would rule me and quite a few others out:

5. Any Vehicle modified since the date of manufacture
(in whole or in part) or a vehicle altered to be
powered by any alternative fuel source or type (such
as LPG) unless we make special provisions which
are noted on Your Plan Schedule.

AlanQS · 12-31-2010, 09:07 AM

It's £100 more than the equivalent BMW insurance for me though it does specifically cover the DPF and includes European recovery (an option not chosen by me for my BMW quotation) but it's a limit of £200 which would probably be useless in most cases.

I'm not overly impressed by the "all mechanical and electrical parts bit". The main thing that appeals to me is that it does seem to remove a lot of the opportunity for them to come up with an excuse to refuse your claim.

I was about to take out the BMW warranty and now I'm hesitating a little bit!

mjh93sa · 12-31-2010, 09:18 AM

Quote:

Originally Posted by rup

I've got the comprehensive extended warranty with £100 excess. Took it in as there was a warning light for the brake sensor.
Dealer says brake sensor NOT covered by warranty but looking at

http://www.bmw-warranty.co.uk/Pages/...e/Features.htm

I think it is? Anyone have similar experiences with BMW warranty?
Also, they found a noisy fan (in dashboard) which they say is covered but want the £100 excess. Fine, but they say even if warranty does cover sensor £100 excess applies again ie it's per item, so that'd be £200 excess in total for the 2 items.
Anyone know if this is correct?
If so, i would advise everyone to get £0 excess

What was the problem with the sensor?

My little sister had a sensor where the cable had broken replaced FOC, car at three and a half years old but with the BMW extended warranty.

rup · 01-01-2011, 09:52 AM

Quote:

Originally Posted by mjh93sa

What was the problem with the sensor?

My little sister had a sensor where the cable had broken replaced FOC, car at three and a half years old but with the BMW extended warranty.

They said the sensor itself needed to be replaced.

doughboy · 01-01-2011, 02:53 PM

Quote:

Originally Posted by rup

They said the sensor itself needed to be replaced.

they're only 12 quid mate. but it should only be worn if the pad is worn too.

AlanQS · 01-06-2011, 05:47 AM

I just had a 'phone call from WarrantyWise regarding my warranty enquiry. Turns out they have a special promotion at the moment.

I looked at the comprehensive BMW warranty (mechanical, electrical, and electronic) without the full recovery option (e.g. European recovery etc.) and with zero excess. It's £442

The nearest I could pick to that with WarrantyWise appeared to be the same coverage but with the full recovery option already included. Without the full recovery, BMW will only pick up your car to take to a dealer if you are more than half a mile from home. Not so with WarrantyWise. Also, WarrantyWise requires your car be serviced but not that it's by a BMW franchise so an Indie is perfectly acceptable. Their price was £522 but their special offer reduces it to £374!

Hmm. Anyone have any thoughts?

12-29-2010, 07:08 AM	#1
rup Private First Class 4 Rep 171 Posts Drives: Z4 - 23 Sdrive Join Date: Aug 2008 Location: London iTrader: (0)	BMW Comprehensive Extended Warranty I've got the comprehensive extended warranty with £100 excess. Took it in as there was a warning light for the brake sensor. Dealer says brake sensor NOT covered by warranty but looking at http://www.bmw-warranty.co.uk/Pages/...e/Features.htm I think it is? Anyone have similar experiences with BMW warranty? Also, they found a noisy fan (in dashboard) which they say is covered but want the £100 excess. Fine, but they say even if warranty does cover sensor £100 excess applies again ie it's per item, so that'd be £200 excess in total for the 2 items. Anyone know if this is correct? If so, i would advise everyone to get £0 excess
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12-29-2010, 07:19 AM	#2
chris_s1 Major 36 Rep 1,113 Posts Drives: M235i 6MT Join Date: Jun 2009 Location: Ontario, Canada iTrader: (0) Garage List 2012 E92 335d [8.66]	I guess they will argue that a brake sensor is a "service items which will require periodic replacement" in which case it is excluded. It does state "The excess is payable on any claims you make on the policy" so each item would be its own claim.
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12-29-2010, 09:08 AM	#3
AlwynMike Lieutenant Colonel 337 Rep 1,660 Posts Drives: F36 440i GC. Join Date: Sep 2010 Location: Lincolnshire Flatlands iTrader: (1)	Also, if you take your car in with an intermittent fault, they charge you for the time they take NOT to find the fault. (If we had found a fault, it would have been covered, Sir. But as we didn't find anything, we charge for the time.) Bye Bye BMW Warranty. Hello Warranty Direct (at a quarter of the price). Mike Last edited by AlwynMike; 12-29-2010 at 09:09 AM.. Reason: Punctuation
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12-29-2010, 09:16 AM	#4
ihpj Second Lieutenant 4 Rep 223 Posts Drives: BMW E90 330d M Sport Join Date: Oct 2010 Location: BUCKS iTrader: (2)	From my understanding of the BMW Extended Warranty, the excess is only payable once as it is per claim and not per item. So if you take your car in for one item, but they then find 3 other things wrong, then you still only pay the excess once as it is all one claim. Moot point for us as we elected to go with the NIL excess to avoid any ambiguity However, if you are in any doubt, then I would speak with the Warranty people directly as they are very helpful and provide great support.
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12-29-2010, 10:57 AM	#7
Vaheed1 Major 62 Rep 1,112 Posts Drives: E90 330d M Sport Join Date: Mar 2010 Location: Newcastle Upon Tyne iTrader: (0)	I bought an RAC warranty when I bought my car and the more I think about it, the more i wonder if there's really any point in having a warranty - taking in consideration as to what it covers? Nearly everything that will go wrong with a modern car comes under 'wear and tear'. However, my warranty was the standard £300 job - looking at the RAC website - they have a 'Gold' option, which covers a massive range of problems - even things which most dealers would call 'wear and tear' under their manufacturers warranty. http://media.rac.co.uk/pdf/6071-rac-warranty.pdf
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12-29-2010, 11:04 AM	#8
zltm089 Banned 243 Rep 7,690 Posts Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON iTrader: (0) Garage List 2006 BMW 335i [10.00]	Warranty Direct got lots of negative feedbacks on forums...
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12-29-2010, 11:10 AM	#9
MEGA Dieseasal 204 Rep 6,881 Posts Drives: LCI E92 335d M-Sport Join Date: Jan 2009 Location: Harrow, London iTrader: (2)	I made multiple claims last year on BMW warranty and some for multiple items. I can confirm it is PER CLAIM not PER ITEM. If the dealer try and mess you around on this point: Take it to another dealer. Or atleast threaten to do so. It is as simple as that. There is no way I am wrong on this one dude, as I've been through all this. If they won't play ball - go somewhere else. Dave ps Brake sensor clearly not a warranty claim. It is wear and tear. __________________ Previously: 2003 Peugeot 206 1.6 8v \| 2006 E90 320d M-Sport, 19" BBS CH, Full Ice-cold JL audio install, August 2010 Total BMW 6 page feature car. \| 2003 Nissan 350Z GT Coupe 286BHP Now:2010 E92 LCI 335d M-Sport
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12-30-2010, 12:49 PM	#12
rup Private First Class 4 Rep 171 Posts Drives: Z4 - 23 Sdrive Join Date: Aug 2008 Location: London iTrader: (0)	Thanks for the info guys. Cost me £60 for the brake sensor and my £100 excess on the blower. They said that without the insurance would have been £300 plus for the blower!
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12-30-2010, 02:19 PM	#13
Jeff123 Jeff 318 Rep 1,451 Posts Drives: 330d M Sport x-drive F30 Join Date: Jan 2010 Location: Yorkshire iTrader: (0)	One of the main disadvantages with the BMW "insurance" warranty is that the car is now more than 3 years old and rapidly approaching the point where the trade in value is low. On other cars that I have owned in the past, when they have been more than c4 years old I have tended to look for a non-franchised specialist. This is not an option with the BMW warranty. Essentially, if you take up the warranty, you are insuring yourself for BMW dealer bills - much higher than an Indy. The excess also means that if you make a claim, the first £100 or more is excluded; so, in reality, you are just looking at fairly major claims for it to be justifyable. I prefer to save the money and take the risk.
	Appreciate 0 Quote

12-30-2010, 06:18 PM	#14
DaveyCUFC Private 2 Rep 50 Posts Drives: BMW M340i Join Date: Dec 2009 Location: Reading UK iTrader: (0)	Please be careful with Warranty Direct, I know them very well, run from a small office in Reading. I know people who have worked for them but left because their morals can't take it. Make absolutely sure you have cast iron proof of VAT registered servicing and non expiring MOT. Also they claim excess is per claim but their definition of claim is per item not claim as normal people would see it (would household insurance separate DVD and tele claim if you were burgled?). Their techs are also targeted on rejecting claims and reducing outlay - not really a sign of a company wanting to play fair. Personally I would not touch as I would have no faith of them paying if needed. Too many people have found out the hard way.
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12-31-2010, 04:40 AM	#15
ASR1 Member 1 Rep 106 Posts Drives: 330i Join Date: Nov 2009 Location: London iTrader: (0)	I used to have a Warranty Direct policy on my old 535d - never again! Now have a zero excess comprehensive BMW policy on my 330i (and peace of mind)
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12-31-2010, 06:23 AM	#16
m1bjr LSD - No, you're not seeing things 72 Rep 3,302 Posts Drives: Baby F36 Gran Coupe Join Date: Mar 2010 Location: Plymouth UK iTrader: (4)	http://www.warrantywise.co.uk/ Anyone have a comment? __________________
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12-31-2010, 09:07 AM	#18
AlanQS Colonel 243 Rep 2,811 Posts Drives: Jaguar XE P250 HSE Join Date: Jan 2008 Location: Glasgow iTrader: (0) Garage List 2016 430i m-sport G ... [0.00]	It's £100 more than the equivalent BMW insurance for me though it does specifically cover the DPF and includes European recovery (an option not chosen by me for my BMW quotation) but it's a limit of £200 which would probably be useless in most cases. I'm not overly impressed by the "all mechanical and electrical parts bit". The main thing that appeals to me is that it does seem to remove a lot of the opportunity for them to come up with an excuse to refuse your claim. I was about to take out the BMW warranty and now I'm hesitating a little bit!
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01-06-2011, 05:47 AM	#22
AlanQS Colonel 243 Rep 2,811 Posts Drives: Jaguar XE P250 HSE Join Date: Jan 2008 Location: Glasgow iTrader: (0) Garage List 2016 430i m-sport G ... [0.00]	I just had a 'phone call from WarrantyWise regarding my warranty enquiry. Turns out they have a special promotion at the moment. I looked at the comprehensive BMW warranty (mechanical, electrical, and electronic) without the full recovery option (e.g. European recovery etc.) and with zero excess. It's £442 The nearest I could pick to that with WarrantyWise appeared to be the same coverage but with the full recovery option already included. Without the full recovery, BMW will only pick up your car to take to a dealer if you are more than half a mile from home. Not so with WarrantyWise. Also, WarrantyWise requires your car be serviced but not that it's by a BMW franchise so an Indie is perfectly acceptable. Their price was £522 but their special offer reduces it to £374! Hmm. Anyone have any thoughts?
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