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Extended Warranties



  • I first bought an extended warranty on a '96 Jeep Grand Cherokee that was a three year old lease car. For $975.00, I received approx. $5,000.00 dollars worth of Dealer-Repaired items from new rear end, ventilation repair(removing entire dash) to intake manifold gasket, rear-end oil-seal gasket and such w/ $50.00 deductible.
    For me it is the only way to go for peace of mind and non-budgeted surprises.

    Count me in,
    P.S. I am now looking for another one for a 2007 Hyundai. Who would be recommended?
  • steverstever Posts: 52,462
    edited July 2012
    If you had coverage with one of the US Fidelis companies, it's time to get your claim in with the bankruptcy court.

    In re US Fidelis, Inc.

    Steve, visiting host
  • texasestexases Posts: 8,922
    "US Fidelis’ growth was fueled by a number of illegal, fraudulent or misleading practices."

    This explanation for why they went bankrupt probably applies to other similar companies still operating. They just haven't gone out of business yet!

    I remember hearing all the radio ads for US Fidelis a few years ago, they sure SOUNDED trustworthy! :sick: :lemon:
  • my wife buying a nissan juke 2012 sv AWD(CVT),this car is protect with a base warranty 3 yrs/60000km and 5yrs/100 000km for oil componant,motor,differential.A sailer offer an extention nissan warranty for a base up to 5 yrs/100 000km for $1500.00 tx question? it`s a good deal because this vehicule are more electronics and cvt components and existing since 2 years only,thank
  • I recently purchased a used 2000 Ford Taurus from a Ford dealership.
    On the window of the car, it had a small sticker saying this car had warranty plans, ranging from 30-90 days. On an even bigger sticker on the back windshield, in large print, there are 2 check boxes:
    [ ] No Warranty- As Is
    [X] Warranty

    Warranty is clearly checked, and it goes on to describe the warranty info. It also had the specific model number and stock number of the vehicle, in the dealership's system. So this sticker was specifically for this vehicle.

    So throughout the process of purchasing the vehicle, the dealer, named Mike, kept mentioning the warranty. When I went for a test drive, I noticed a possible leak and the A/C making a rattling noise. Again, he kept mentioning the warranty, saying "Any issues with the car, you bring it in and we fix that up for you, no charge." Those issues were fixed within a day, in the midst of finalizing the deal. With the warranty and these issues fixed, we obviously felt confident about this car.
    The day I finalized the purchase, I met with Mike in the morning. I payed in full, cash, for the vehicle. It was being registered in my mother's name, so we had to come back to sign papers later on when she was out of work.

    When we returned, Mike was not there, and we dealt with a different salesman. We sat in a room, and he had us signing papers. He kept making it a point that we'd be out of here with a new car in minutes. He handed us things to sign, basically said "sign this and you'll be out of here within 3 minutes." So clearly, he's in a rush to get us out. Without describing what we were signing, the receipt had in small print "Car sold 'as is.' No warranty on this vehicle." Never was I notified that the warranty was suddenly not being offered to me. So with that said, why would I even think to ask about it? And why would they not explain it to my mother? This was the first time she came with me to the dealership, so wouldn't they explain everything to the person they are really selling it to?

    Less than a week after purchasing the vehicle, my check engine light came on and the car was leaking fluids. I called on a Monday to schedule an appointment, they couldn't get me in until Friday. I showed up and handed my keys over. Before going to the waiting room, I made sure to ask "This is covered under warranty, correct?" The lady responded, "Yes, you're all set. No worries." So I waited patiently for 2 1/2 hours. They finally came in, said they fixed the engine light issue (spark plug). They couldn't fix the leak, I guess they didn't have the parts they needed. It was a Friday, so any orders wouldn't be in until the following Tuesday the earliest. So Tuesday came around, no call. On Wednesday, I called them up and asked how long I'd be waiting. She said they don't have any way of tracking the shipment, so they didn't even know. On Thursday, I received a restricted call. They left a voice-mail. Turns out it was the dealership. The lady said to give her a call back.

    I call her back, and she informs me that I am not covered under warranty, but they will not charge me for fixing the spark plug before. The car was sold as is, and they have the papers to prove it. I explain how there was a verbal agreement and how it was even posted on the car. She says that apparently, my car was too old to cover with a warranty (2000 Ford Taurus) so that is why it was sold as is. I WAS NEVER INFORMED THIS. She said they would be willing to work on my car, just obviously with me paying out of pocket as normal. She says that the mechanics also noticed a coil spring near the rear tire is loose. She just thought she would mention it to be courteous, as I have a 4 month old baby that I drive with in this car. She's worried that it could blow a tire while driving. WHY IN THE WORLD was I not informed this sooner? The mechanic withholding that information potentially put my daughter and I at serious risk, as I frequently drive on the highway.

    So at this point, I decided to call Mike to set things straight. I explain to him how there was warranty information ON THE CAR in two different locations, and all throughout our discussion, he kept mentioning it. He explained that he doesn't recall discussing it, as it was 2 weeks ago. The only thing they can go by is what's on paper, which is a signature of my mother, finalizing the deal, with the tiny words mentioning the whole "as is" business. He said the best he could do was double check the papers. He abruptly hung up the phone. He never called back.

    I have not contacted them since. However, today I discovered the large sticker about the warranty in my glove box. I plan on having a talk with them tomorrow. At the least, I'll explain that I was completely mislead, that transferring to a different employee could've caused an error, that mine and my child's life has been in danger, and delaying the repair of this car has potentially caused even greater damage.

    Also, I found this tidbit about purchasing as-is vehicles:

    "As-is is a term used in warranty law to disclaim the seller's liability for faults in the item sold. The buyer accepts the item in the present condition, whether the faults are apparent or not. "As-is" language clarifies that no written or verbal warranties were made to the buyer and is used to protect the seller. However, the seller cannot misrepresent the item or use fraud to induce the sale."

    Verbally, the dealer never informed me of the "as-is" condition of the sale.

    Am I in the wrong? Is there any chance they'll actually help me? Could I build a case here, or at least get them to fix my car???
    I literally just payed them in full, with cash, for a used car, and they clearly snuck this tiny detail of as-is under my nose at the last second...
  • How do I post a new discussion? Meant to post an entirely new thread, not in this thread.
  • In 2008 I bought the GM Major Guard warranty from Black Cadillac in Illinois, and I could not be happier. I got a great price, significantly less than the price quoted by the local GM stealer, and had two expensive repairs paid by the warranty without any problem at all. If you're looking for a GM warranty, get the warranty price from a local GM dealer, then call Allen at Black Cadillac for a quote (877-472-9550, ext 302). You're gonna be pleasantly surprised.

    However, that was 2008. Today, if you want to buy an extended warranty, and IF YOU LIVE IN FLORIDA, YOU'RE SCREWED! :mad:

    Since my warranty is about to expire, I called Black Cadillac to price a renewal . . . but when I said I live in Florida, he told me HE'S BEEN NOTIFIED BY GM MANAGEMENT THAT HE'S NO LONGER ALLOWED TO SELL WARRANTIES TO CONSUMERS IN FLORIDA.

    A call to the GM Warranty people (800-631-5590) verified this is true. If you live in Florida, no GM dealer in any other state can sell you a warranty.

    NOTE: Even if an out-of-state dealer LIES and says he can sell you a warranty, GM Warranty said it will eventually be cancelled.

    While I'd like to start some kind of grass-roots effort to fight this, I don't have the resources to fund such a project . . . but I do have web development and publication skills that I would volunteer to such a movement.

    If there are other Florida residents who agree that this kind of purchasing discrimination is down-right UNAMERICAN, please contact me. Let's see if it might be possible to get that ridiculous ruling repealed!
  • mikefm58mikefm58 Posts: 2,882
    IMHO, I'd say you're out of luck. Yours is a classic case of a shady sales person promising the world verbally but then having different paper work. Trust but verify. Why didn't you catch the "as is" part on the papers? READ EVERYTHING!!! That sucks that this happened to you but IMHO you have no one to blame but yourself.
  • mikefm58mikefm58 Posts: 2,882
    Scroll down to the "Post a message" section and just type.
  • Kirstie_HKirstie_H Posts: 11,077
    We don't allow members to start new threads on this board - we used to, and it became littered with one-question discussions. When that happens, it makes it very difficult for members to find the information they're looking for. We keep similar conversation grouped in general categories, which seems to serve the needs of most of our community.


    Need help navigating? [email protected] - or send a private message by clicking on my name.

    Share your vehicle reviews

  • mitzijmitzij Posts: 613
    Did you ever get any answers from your dealer on this?
    What did the warranty disclosure paper say the warranty was? (what did it cover, for how long?)

    A few things you did learn:

    1. always have your favorite mechanic check a used car out before you buy it.
    2. if it's not on the contract you signed, it doesn't count. The car could have 'free repairs for life' painted on it, but that doesn't mean there's a warranty on it.
    3. you'll usually get more straight answers from the service department than from sales.
    4. twelve year old Fords tend to leak.

    I hope they helped you out.
  • In California if the vehicle sticker says "No Warranty" which means sold "as is" there is no legal recourse unless it is one of the 12 safety items which has to be operational or within acceptable limits. If the dealer withheld information that would hinder the safe operation of the vehicle, that would be grounds for a case. Dealers are bonded for at least $50,000, inform the owner or general manager, either repair the vehicle at their cost, or you're going to make a claim against their dealer bond through the Bureau of Automotive Repair. That will get their attention real quick because they could lose their dealer license and possible criminal charges against them.
    The pen is mightier than the sword!
  • Hi,

    I was sold a Zurich Optional Service contract with purchase of a new Honda. (its just yesterday).
    Should I cancel it? as many forums I read sound like this is a third party warranty. (Finance guy told me this would cover electronics as well at $0 deductible and unlimited miles of towing if required).

    If I have to cancel it how do I do it? I live in CA.

    Whats better Optional Service contract or EW?
  • Will be the last time I ever buy a Chevy. After we made the deal we came back to sign
    the papers. Their sales closer said we should add an extended warranty, that the factory
    warranty was not very good. I wanted to walk but my wife wanted her car.
    The closer pulls out a fuel injector he had in his desk and said the injector is 1200.00
    to replace and would fail as soon as the factory warranty was over. I wanted to walk but
    my wife wanted her car. The extended warranty was to cover anything and everything
    no questions asked. The car was fine until we had past the factory warranty and had
    only the extended (covers everything) warranty.
    Well one Sunday after Church the car is in third gear and the shifter is in no gear.
    We drove slow and timed the traffic lights so we didn't come to a full stop and got the
    car to the dealer. Monday morning the dealer looked the car over and said unfortunately
    the repair would not be covered. It seems that the shifter didn't wear out or break it just
    fell apart. And parts that fall apart are not covered by the extended warranty.
    I will never buy another GM car. Today I drive a Toyota and never have felt slighted by
    Toyota or the dealer.
  • mikefm58mikefm58 Posts: 2,882
    What's the difference if a part breaks versus falling apart, sounds like the same thing to me. Sounds like the 3rd party warranty company is playing games trying to get out of paying, and the spineless dealer that sold you the warranty won't go to bat for you.

    I don't blame you for blaming the dealer that sold you the warranty, but there are plenty of bad dealers across all brands,even Toyota. The general consensus here is to stay away from 3rd party warranties and only go with manufacturer warranties.
  • texasestexases Posts: 8,922
    This is typical of 3rd party warranties, that's why many (most?) are worse than worthless. And I've had dealers of all makes push them, so it's not just a 'Chevy dealer' issue.

    It's simple: just say "no thanks" regardless of the BS reasons the finance guy comes up with. NOTHING a dealer sells at closing is worth getting. That's where he makes his profit.
  • fankifanki Posts: 1
    edited December 2012
    I purchased my 2011 honda accord from honda clear lake dealership on June, 2011 and got extend warranty at the same time. The next day I realized that I did not even need extend warranty and then I stopped by the dealership and had a financial manager help me signed a cancellation form and was told I would be refund in 8-12 weeks. And in Oct, 2011, I had not seen my refund and I called the dealership (cause I moved to another state) and was told I never signed a cancellation form. And they refused to fax or mail me cancellation form cause they knew I could not come by. Then finally I contacted the general manager and chief financial officer finally took my case and pretended that they were care of it and told me that I would be refund in January, 2013. Now it end of the year, I still have not get my refund and I could not find both of them. They never call me back or reply me email. Now my car is totaled because of an accident and I really need to cancel that extend warranty. Is there anyone that can tell me what can I do? Thanks in advance.
  • The question which must be asked. If a dealer finance character tells you a car will fail immediately after the factory warranty expires, why would a person buy the car?

    When a dealer finance character tries to sell me a service contract, sometimes called extended warranty, I respond by mentioning the sales person has just spent several hours convincing me the vehicle is wonderful. I then ask the finance character if he is telling the vehicle is actually no good. They don't teach a response to that question in dealer finance role playing. The reaction this elicits is priceless.
  • I have a rather inexpensive extended warranty that I pay for. It is pay for through PayLink Direct payment plans. It only costs me 88.05 per month. After reading quite a bit about extended warranties on this site I am having second thoughts about continuing this coverage. If anyone can help with this into I would deeply appreciate that. :(
  • texasestexases Posts: 8,922
    Make model year miles? $88/mo is HIGH! From who are you buying it? Can you cancel?
  • :mad: Oh, trust me, after having my car in the shop for the last 3 months straight, in order for the dealership ( chevy) to replace my engine I will never buy Chevy agagin. And No, it was not covered under warranty. Chevy sucks and so does Country Chevorlet in Warrenton VA. They will always find a reason why not use the warranty and even an extended warranty. :lemon:
  • Hi, I know its a month later, I have a zurich warranty and I had to use it and had no issues at all. just double check to make sure your not insuring it twice.
  • My son purchased a 2013 Ford Mustang today. They pressured him into buying the Ford Extended Service Plan. Is there any way that we can cancel this???? He feels like a fool for letting this happen. How do you cancel this thing??????????? :mad:
  • I need some help though. I am first time buyer with okay credit. The financier was telling me if I did not buy the extended warranty, my interest rate would be 12 percent but If I bought it, it would be 5 percent. Is that a scam. Do I have to purchase warranty to get that interest rate? I ended up buying it only after he told me I cancel it after I refinance. I should not have to refinance right? I should be able to cancel the warranty no matter what and get a refund on it and still keep the apr right? Thanks you guys.
  • texasestexases Posts: 8,922
    It's a scam, in that he's offering a lower interest rate because of the huge profit he'd make on the warranty. I don't know about how you go about canceling, you'll have to read the paperwork. Lesson learned - if something fishy pops up, stop, walk out, leave, get away from the dealer. Did you try to get financing elsewhere (bank or credit union)?
  • I know I can cancel any auto warranty within 30 days so I know I can cancel. I am just wondering if my apr will change if it does? Is this a common practice for people that have okay credit. I was stupid in not getting prior financing. I had gotten prior financing in Feburary and thought it would be similar rates but was I wrong.
  • Carchex is pretty pitiful also. It takes forever to get someone on the phone. They notch out exceptions to prevent paying for common failures like CV joints. They will not reimburse you if you need pay up front. I wish I had not wasted my money with them.
    In my opinion, Carchecx sucks, Carchex is a waste of money, and Carchex has terrible customer service.
  • billy3554billy3554 Posts: 148
    If the dealer finance guy offered you a rate of 5 percent, it means you qualified for that rate with the actual lender. The dealer finance person does not set the interest rate for which a buyer qualifies. The lending institution sets the rate. Dealers will often pad that rate as they receive a kick back for the difference.

    This dealer is scammed you. No finance institition requires a lendee purchase a vehicle extended service contract as a condition of loan. It is likely you really qualified for a rate lower than 5 percent. Smart thing is to check with your local bank or credit union or even one of the on-line auto loan providers, like Capital One to see the actual rate you could have gotten.

    You might consider revisiting this dealership and speak to the general manager about this finance person. Not sure, but this scam might be illegal. Who knows, the GM might offer you a freebe or two to avoid possible legal action from you.
  • Thanks you are really awesome. I really appreciate the advice.
  • pop21pop21 Posts: 1
    I just bought an extended service plan from VW and they said I had 30 days to cancel. Check with Ford to see if your son has the same 30 day period. Although the dealership he bought it at may tell you no because they loss profit. Call Ford and ask. High pressure sales needs to end !!!
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