Is BMW Extended Warranty Worth It?

Car manufacturers offer a standard guarantee for their products, but usually, we can extend the protection period for an extra charge. However, you must bear in mind that this is a type of insurance that does not always cover everything we would expect. Visit Us for your car repair services.

The Standard Warranty

The standard warranty on cars depends on the specific manufacturer but usually takes two or three years. Selected brands offer even a five-year warranty as standard, but it is burdened with many exceptions, but for a limited time we should be calm about the state of most of the elements working under the hood and in the car. At least in theory. The durability of BMW car parts is a matter of debate, which is why some users prefer to protect themselves.

An Extended Warranty

An extended warranty is a type of insurance that protects us against expensive repairs over the next several years after the expiration of the basic warranty. Its operation resembles a bit of autocasco, but it includes cases that occurred randomly, in a sudden and unforeseen way.

What should the extended warranty cover?

It all depends on the scope of the purchased package. The principle is simple – the more, the more expensive. Manufacturers tempt attractive offers, but later practice shows that the workshop sends us back with a receipt or issues a high bill for repair.

The basic insurance guaranteeing an extended warranty usually does not cover faults of such systems as:

  • clutch
  • braking system
  • steering
  • fuel injection
  • electrical system
  • suspension
  • cooling system

Therefore, before buying a package that extends the warranty, you should carefully analyze which items are covered by insurance and are serviced. It is in vain to look in contracts for entries about bodywork, upholstery or glass repairs. Unless we are talking about the warranty on the perforation of the body, this is offered in the standard manufacturer.

When the failure is caused by our negligence, the insurer will refuse to repair. The situation is similar when it results from the normal operation of the vehicle. It is not easy to determine the boundary between normal wear and sudden failure for many elements, but this provision leaves a lot of freedom for appraisers. In the second case, we can count on the repair under the warranty.

Repair within the extended warranty

Mechanics from an authorized service center in consultation with the company’s damage authorization center decide whether the car will be repaired using the extended warranty. Therefore, we report the repair to the ASO at the beginning, where we will agree on the date and conditions of repair.

In most cases, we have to pay for the repair and parts out of our own pocket, and then the money will come back to us when we settle with the insurer on the basis of a VAT invoice. The provisions oblige the insurer to liquidate the damage within 30 days.

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