Extended Warranty - discussion and questions

[Jeremism]

It would make sense for 2 aftermarket policies to be competitive with each other.

Did you compare both with the factory warranty, the terms available on your comprehensive insurance, and your rights under consumer protection? I couldn't find anything above what's already available that persuaded me. Happy to be shown the light though.

In 2014 and earlier the Allianz one was offered by VW Australia as the "factory" option, hence I was comparing those two products. I didn't look into it from the other perspectives you mentioned, though I wouldn't have expected help from comprehensive insurance? And I'd rather the dealer just agreed to a claim than have to battle it out in VCAT.

I did put in time researching, because I had heard about the dodgy ext warranty products out there (such as NWC). For Swann there were some good reports (on this forum and others), and I was ok with the bad reports (ppl coming off bikes, or expecting cover for things the PDS explicitly excludes, etc). Maybe I'm just too easily persuaded

[Tobes_WIR35]

What annoys me is why they don't offer 5 years 100,000km as standard. Hyundai can do it, Kia can do 7 years, Renault does 5 years, Holden 5 years. It's supposed to be a premium product so they should be confident enough to back their product. Particularly given VWs issues of late you'd think they'd be doing all they can to give buyers confidence.

When the time comes for me to replace the GTI this year there is a god chance it will be another VW but I will be pushing them hard to throw in 5 year factory warranty. None of this dealer warranty bollocks. I don't need any extra kilometres, just the time.

[Matt P]

As someone who has dealt with Swann at a corporate level, i'd trust the Allianz one that VW sell as their own more

[danielb_c]

In 2014 and earlier the Allianz one was offered by VW Australia as the "factory" option, hence I was comparing those two products. I didn't look into it from the other perspectives you mentioned, though I wouldn't have expected help from comprehensive insurance? And I'd rather the dealer just agreed to a claim than have to battle it out in VCAT.

I did put in time researching, because I had heard about the dodgy ext warranty products out there (such as NWC). For Swann there were some good reports (on this forum and others), and I was ok with the bad reports (ppl coming off bikes, or expecting cover for things the PDS explicitly excludes, etc). Maybe I'm just too easily persuaded

It's very disappointing to me that we can't rely solely on the contract wording to make direct comparisons, but also need to consider how the insurer/underwriter deals with clients, which only adds complexity and confusion to the end client.

I've seen identical wording applied in 3 different ways by 3 different insurers, just based on their legal team's interpretation of the contract. Thankfully we had contacts in the right places to have the bad decisions overturned in favour of the client. But this really shouldn't be necessary.

At the end of the day, it's good to have it, and I do have it, but I'll keep my fingers crossed in hope I never need to use it (like with any other insurance I have).

[erutangis]

We got the extended factory warranty on our car. Interestingly it was 1499 if bought before registration, and 4k if fitted to an already registered vehicle.

[Dutch77]

Tobes - more insulting than that was the fact Skoda were doing five years for a long time there as a bonus as well. I guess to be fair most genuine competitors are still doing three..

I didn't know VW were passing off an Allianz insurance policy as a 'factory' warranty. It isn't.

If it isn't genuine factory then I'd spend the money on a driving holiday and have some fun.

[Jeremism]

Sounds like any of the aftermarket warranties are more trouble than they're worth, that's for sure.

[AllBlack]

I received an email today from a dealership I've had the Alltrack serviced at a couple of times, offering an extended warranty. I called for details.

Swann issued 4 star - $1980 or so, with limits on each claim
Swann issued 5 star - $2470 - the same a the new car warranty - no exclusions.

If I could get the 5 star detail in writing, I think I'd be keen. Sounds like another 3 years of confinant motoring, or 2 years, and sell it with one still remaining.

Thoughts?

[Dutch77]

Thoughts? Read that fine print..

And enjoy taking that Alltrack on a nice holiday - $2,470 is enough for a few nice driving trips.

[Jeremism]

I received an email today from a dealership I've had the Alltrack serviced at a couple of times, offering an extended warranty. I called for details.

Swann issued 4 star - $1980 or so, with limits on each claim
Swann issued 5 star - $2470 - the same a the new car warranty - no exclusions.

If I could get the 5 star detail in writing, I think I'd be keen. Sounds like another 3 years of confinant motoring, or 2 years, and sell it with one still remaining.

Thoughts?

There are varying reports on the Swann ext warranty product - worth having a read on this forum and whirlpool.

If you're keen, then look up Leaseworks and give Kerry a call. If I recall correctly, I was quoted $2250 for 3 yrs of the Swann 5 star warranty by the dealer. Kerry was able to do $1750, which in the end the dealer matched (and included a free 5th year service).

[jazzyjames999]

Got mine included in the price also, and it's a VW factory warranty, got a car that goes into the service book and everything! That's road assist for 5 years also.

[danielb_c]

Thoughts? Read that fine print..

And enjoy taking that Alltrack on a nice holiday - $2,470 is enough for a few nice driving trips.

I took the factory extended warranty as part of the deal, normally $1495, tbh only because they included it in a quote that was $200 cheaper than the nearest offer without the extended warranty.

From what I've found, the extended factory warranty is "100% backed by VW", but is re-underwritten, and roadside assist is provided by, Allianz. It's normal practice, even for insurers, to take on only risk up to a certain level, and sell off the rest to a reinsurer.

I also found a "Extended Warranty Insurance", underwritten by Allianz, white labeled as a VW product, but the terms appeared different to me.

One of the dealerships also offered me a 'mechanical guarantee' for another 3yrs on top of the extended period, but conditions included ALL servicing must be done at their dealership, etc, and their biggest selling point was that they'd give me breakfast when I brought it in for servicing. Based on previous experiences with this dealership (servicing and warranty claims), I didn't bother taking their offer into account, as there's no solid way to hold them accountable.

[daft009]

so whats the deal with extended warranty?

with my mk5 I had the option to buy it till the 3yr original warranty ran out.
was told when picking up the mk7 that it had to be purchased before picking up, thought it was a sales tactic as we were getting pressured to purchase lots of other things too.

[nickpeters]

Extended warranty for 90tsi

Hi all

I was wondering if anyone's purchased a warranty after their golfs 3 years is up? With the amount of issues mines had I'm extremely worried that come 18aug when it expires I'll be at the mercy of high repair bills and the unknown. Would like to know anyone who's brought an aftermarket warranty and any recommendations, I've been quoted about $1500 for another 3 years but how good 'tis warranty is, is anyone's guess, can't find much in the way of reviews of car warranties.

Thanks
Nick


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[gregozedobe]

My experience is several years old now, but it might still be relevant. I bought the "extended VW warranty" for my van, and needed it when my gearbox failed just before the warranty ran out. It was only then that I found out that Allianz made all the decisions about what could and could not be done under this warranty. After some delays Allianz decided that my gearbox should be repaired, not replaced. So my gearbox was removed and sent to "the experts" in Melbourne. It took a long time to be "fixed" and when I got my van back it was dangerous (sometimes you couldn't select any gears and it had a terrible shudder). There was a further long delay with much discussion between my dealer and Allianz about what to do next, and it wasn't until I started mentioning lawyers and compensation that Allianz finally agreed to a new replacement 'box. All in all I was without my van for 3 months !

So unless things have changed, the extended warranty sold to you as a VW warranty "the same as" the original factory-backed warranty you get for the first 3 years is most definitely not (the same). I suggest reading the fine print (terms & conditions etc) on any extended warranty VERY carefully before buying it. I know I will go over them with a fine tooth comb.