anyone have experience or knowledge of Fidelity extended warranty?

[flash68]

Got quotes from the dealership for 2, 3, and 4 year Platinum extended warranties through Fidelity. 2 yrs/24k miles = $3186 3 yrs/36k miles = $3884 4 yrs/48k miles = $5104 From my research here, it most advised that an exclusionary policy is better than an inclusionary policy. The paperwork I received here seems to have both. My main concern is the loose language where aftermarket mods can be used to void a claim. I have only a Stage 2 right now with exhaust, intake, chip, diverter valves, PSS10s, swaybars, Sachs stage 2 clutch/LWFW, B&M short shift. But I do plan on going to bigger turbos later, likely k24/18g. My car is 2001 with 6speed, 42k miles. Thoughts?

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[OCTurbo]

you may want to check out easy care warranty. however, when i purchased that warranty your car had to still be under factory warranty. i paid $2700 for 6 yrs/ 75K total miles and a $200 deductible. i also had to pay for an inspection and oil change ($400). this is a very good warranty- they just paid for my clutch accumulater and slave.
as far as your mods are concerned, just go to an indy shop that is mod friendly and you'll be fine.

[flash68]

Originally Posted by jbpricemd

you may want to check out easy care warranty. however, when i purchased that warranty your car had to still be under factory warranty. i paid $2700 for 6 yrs/ 75K total miles and a $200 deductible. i also had to pay for an inspection and oil change ($400). this is a very good warranty- they just paid for my clutch accumulater and slave.
as far as your mods are concerned, just go to an indy shop that is mod friendly and you'll be fine.

I contacted Easycare 3 months ago upon reading about them here on 6speed, but they denied me based on not buying their coverage from an authorized dealer and at the time of purchase. They also mentioned my mileage/age of the car being an issue? I have since emailed them again to see if I get a different answer.

My clutch accumulator also needs replacing but i can wait that out.

I need to find out if Fidelity allows independent shops to do the work. But my understanding is that the shop isn't the issue concerning modded cars - it's the adjuster that the insurer sends out to approve the claim, right?

[OCTurbo]

it sounds like easy care has changed their rules regarding new warranties- too bad.
you're correct regarding the adjustor from the insurance company-they have to approve the repairs. however, unless your indy shop tips them off about your mods, they won't know. The person they send out is not an expert on 996tt's. they can't tell if it's flashed, etc.

[ard]

why keep asking easycare? Ask someone who sells easycare.

Originally Posted by flash68

I contacted Easycare 3 months ago upon reading about them here on 6speed, but they denied me based on not buying their coverage from an authorized dealer and at the time of purchase. They also mentioned my mileage/age of the car being an issue? I have since emailed them again to see if I get a different answer.

My clutch accumulator also needs replacing but i can wait that out.

I need to find out if Fidelity allows independent shops to do the work. But my understanding is that the shop isn't the issue concerning modded cars - it's the adjuster that the insurer sends out to approve the claim, right?

Half true- sometimes a shop knows the inspector, and they'll trust the shop's word on an issue if it isn't a large repair.

But once you get into engine mods it is really ill advised to assume any warranty will cover a catastrophic failure. If a company is looking at 10-15k for a repair, they WILL pay attention. And they WILL look at any reason to legally deny a claim. They will not be willing to rationally discuss relative contributory factors!

Some warranties will completely fail to cover any failure if the car has any modifications, while others will exclude failures 'related' to a modification. Anything that increases power is, almost by definition, a potential source of any motor or driveline failure.

I would at the very least choose the latter. And assume that an engine failure is not covered.

On that basis, it is probably not worth the $$.

GL

A

[flash68]

Originally Posted by jbpricemd

it sounds like easy care has changed their rules regarding new warranties- too bad.
you're correct regarding the adjustor from the insurance company-they have to approve the repairs. however, unless your indy shop tips them off about your mods, they won't know. The person they send out is not an expert on 996tt's. they can't tell if it's flashed, etc.

yeah that's what I am thinking - they have made some changes.

But I do plan on some more powerful mods in the next 6-12 months so I am trying to weigh the advantages/disadvantages.

[flash68]

Originally Posted by ard

why keep asking easycare? Ask someone who sells easycare.



Half true- sometimes a shop knows the inspector, and they'll trust the shop's word on an issue if it isn't a large repair.

But once you get into engine mods it is really ill advised to assume any warranty will cover a catastrophic failure. If a company is looking at 10-15k for a repair, they WILL pay attention. And they WILL look at any reason to legally deny a claim. They will not be willing to rationally discuss relative contributory factors!

Some warranties will completely fail to cover any failure if the car has any modifications, while others will exclude failures 'related' to a modification. Anything that increases power is, almost by definition, a potential source of any motor or driveline failure.

I would at the very least choose the latter. And assume that an engine failure is not covered.

On that basis, it is probably not worth the $$.

GL

A

I filled out their dealer locator form on their website again to see if I can contact someone else. I think they didn't send me the dealer list like they were supposed to last time, which is why I then just asked them directly.

Yes, I am a little worried that if my power mods continue to be added that it will increase this likelihood that a claim could be denied. But I guess I am not that concerned about the motor itself, more the little things that can nickel and dime you to death on these cars over the years. I almost had to buy a new ABS/PSM unit the other day after we thought narrowed it down to that and it is a $2800 part. But apparently it looks like even that part is not covered on many of these coverages, so maybe this thing is not as good as I am thinking....

I am leaning toward not doing it but we shall see.

thanks

[Mikelly]

I have their coverage, and I'd do some research online... Lots of complaints about them. First thing to know is if the car is modified, you are no longer covered... So expect that "issue"...

What generally happens is if you put forth a claim... If it is less than $1000, they won't send out an "adjuster". If you do put forth a claim and it is more than $1000, then an adjuster will come out and talk with the service/repair manager and the technician working on the car. He will specifically ask if there is evidence of driver abuse.

My car was sold to me already modified... I had a MAFS blow (this was when I didn't know much about this platform) and I called the dealership I bought the car at... They agreed to put forth the claim after working it. I took the car to them, and when they saw the rollbar that I'd installed (the only evidence I'd modified it further), they informed me that Fidelity would likely deny any claim an adjuster was called in for... That's when the GM of the dealership and I had a long hard talk about them selling me a warranty for a modified car...Now the dealership and I have an agreement on "coverage".

ARD gave you wonderful advice... Don't waste your money or time...

Beware and read ALL of the fine print.
Mike

[M32]

Originally Posted by flash68

I filled out their dealer locator form on their website again to see if I can contact someone else. I think they didn't send me the dealer list like they were supposed to last time, which is why I then just asked them directly.

Yes, I am a little worried that if my power mods continue to be added that it will increase this likelihood that a claim could be denied. But I guess I am not that concerned about the motor itself, more the little things that can nickel and dime you to death on these cars over the years. I almost had to buy a new ABS/PSM unit the other day after we thought narrowed it down to that and it is a $2800 part. But apparently it looks like even that part is not covered on many of these coverages, so maybe this thing is not as good as I am thinking....

I am leaning toward not doing it but we shall see.

thanks

If your turbo is an 01, they won't cover it. I did the same thing...filled out a form on their website and contacted someone and they told me they won't cover an 01.

Originally Posted by Mikelly

I have their coverage, and I'd do some research online... Lots of complaints about them. First thing to know is if the car is modified, you are no longer covered... So expect that "issue"...

What generally happens is if you put forth a claim... If it is less than $1000, they won't send out an "adjuster". If you do put forth a claim and it is more than $1000, then an adjuster will come out and talk with the service/repair manager and the technician working on the car. He will specifically ask if there is evidence of driver abuse.

My car was sold to me already modified... I had a MAFS blow (this was when I didn't know much about this platform) and I called the dealership I bought the car at... They agreed to put forth the claim after working it. I took the car to them, and when they saw the rollbar that I'd installed (the only evidence I'd modified it further), they informed me that Fidelity would likely deny any claim and adjuster was called in for... That's when the GM of the dealership and I had a long hard talk about them selling me a warranty for a modified car...Now the dealership and I have an agreement on "coverage".

ARD gave you wonderful advice... Don't waste your money or time...

Beware and read ALL of the fine print.
Mike

In terms of Fidelity, I was VERY close to buying a car in SF that had the premium coverage for Fidelity. I asked Mikelly and he sent me some links that were pretty shocking. Given there are always two sides to a story but there were a couple times when I actually called Fidelity to ask about warranty transfer and what they covered and they were quite rude. I took that as a foreshadow of what was to come so I passed on the car.

Edwin

[hollywood996tts]

In my case, I bought the 3 yr/36k mile platinum on my stock 05 Cayenne TT. My dealer who I have a very strong relationship with made it quite clear that they only honor Fidelity due to past unpaid claims from other co's. This warranty was presented to me by the finance guy as a "new car" wrrty. It was around 4K. In the first 2 months they have replaced all engine cells, parking brake system,rear window latch system, nav dvd unit. In total 3k worth of repairs with $100 deductable paid twice and I still have tons of coverage left so at this time it is looking like it will more than pay for itself. The stronger the relationship with the svc mgr the better, they have always taken great care of me here in San Antonio.

The big question is that my 05 Turbo S factory wrrty will expire in Feb 09 and it has a flash,exhaust and H&R springs so I don't know if it will be worth purchasing this kind of wrrty on this car. That of course is if I don't sell it. It is in the FS section currently.

[flash68]

Originally Posted by Mikelly

I have their coverage, and I'd do some research online... Lots of complaints about them. First thing to know is if the car is modified, you are no longer covered... So expect that "issue"...

What generally happens is if you put forth a claim... If it is less than $1000, they won't send out an "adjuster". If you do put forth a claim and it is more than $1000, then an adjuster will come out and talk with the service/repair manager and the technician working on the car. He will specifically ask if there is evidence of driver abuse.

My car was sold to me already modified... I had a MAFS blow (this was when I didn't know much about this platform) and I called the dealership I bought the car at... They agreed to put forth the claim after working it. I took the car to them, and when they saw the rollbar that I'd installed (the only evidence I'd modified it further), they informed me that Fidelity would likely deny any claim an adjuster was called in for... That's when the GM of the dealership and I had a long hard talk about them selling me a warranty for a modified car...Now the dealership and I have an agreement on "coverage".

ARD gave you wonderful advice... Don't waste your money or time...

Beware and read ALL of the fine print.
Mike

Thanks for replying. I am considering it now because the mechanic I have work on my car just started working at this dealership, and now he and I both have a relationship with the service advisor there. My mechanic has said he would talk to any adjuster that came out and would confirm any and all problems. So I guess that isn't necessarily solid but it sure cannot hurt with these relationships as long as they remain intact. And my car does not look very "modified" at all really.

[flash68]

Originally Posted by M32

If your turbo is an 01, they won't cover it. I did the same thing...filled out a form on their website and contacted someone and they told me they won't cover an 01.





In terms of Fidelity, I was VERY close to buying a car in SF that had the premium coverage for Fidelity. I asked Mikelly and he sent me some links that were pretty shocking. Given there are always two sides to a story but there were a couple times when I actually called Fidelity to ask about warranty transfer and what they covered and they were quite rude. I took that as a foreshadow of what was to come so I passed on the car.

Edwin

Yep, this all sounds like a crap shoot for sure!

[Chris Green]

I think they are one of the best ext warr company's out there, I deal with them 5 times a week at my shop and just like Mike said if its under 1000 they don't even come out, some company's are a pain in my ass they come out for $300 and take 2 days to do so.

I say go for it.

Chris Green

[flash68]

Originally Posted by Chris Green

I think they are one of the best ext warr company's out there, I deal with them 5 times a week at my shop and just like Mike said if its under 1000 they don't even come out, some company's are a pain in my ass they come out for $300 and take 2 days to do so.

I say go for it.

Chris Green

Thanks Chris. Good to hear something good about them. I do like the sub $1000 no adjuster thingy. That seems to be consistent it sounds like.

[anikzad]

So does anyone know if they offer any of these ext. warranties in CA. It turns out CA has some pretty strange rules regarding. these type of services.

Thanks,
-Arman