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Old 04-12-2012, 06:17 PM   #71
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Well thought I would update everyone on my decision since I originally started the thread. After lots of negotiation I managed to get $1000 off the warranty price and finally decided to bite. We got the CSI Allegiance exclusive warranty with consequential damage. It is supposidly the most comprehensive after-market policy on the market.

Turns out our microwave crapped out and we just had our first experience making a claim. This is minor stuff (we're talking $180 for the total repair), but I am already thinking twice about whether we made the right choice buying this warranty. NASC (the administrators) have frankly not been easy to deal with.

-> Initially they refused to cover part of the repair...after several phone-calls pointing out I had bought the consequential damage clause and expected coverage, they finally agreed to cover it

-> Now they are refusing to pay diagnostic labor and are still trying to avoid paying $40 of the bill - this is in open discussion

So 3-4 days all for a measly $80 reimbursement on a microwave. I'm worried how hard this would be if we had a REALLY costly repair? This doesn't bode well.
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Old 04-12-2012, 06:52 PM   #72
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As a plumbing, heating and air conditioning service contractor that does home warranty work as a part of our business I can tell you from my experience extended warranties are not worth buying. Yes some people come out good but there are 8 to 10 who don't for everyone that does. If not the warranty company would go bankrupt. Everybody cannot get something for nothing, someone is paying the bill and the warranty companies profits. With sales commissions around 50% it's all about marketing.

Save your premium money, have reserve funds and pay for your own repairs. In the end you will come out ahead.
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Old 04-12-2012, 08:36 PM   #73
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I had a bad experience with the original extended warranty policy we had; MBA Owners Choice RV Service Contract, they squeezed out of any repair and barely covered anything you would think would be covered. We cancelled that policy and went with Good Sam (GS) three years ago. We found GS to be very reasonable to deal with and every year we have saved more than twice our costs for each year. For 2011 they covered about $5,000. We are full-timers and I wouldn't think of not having the policy. I have never had an extended warranty on any product other than our RV and I am generally against extended warranties.
The decision is based on peace-of-mind, how much your rig gets used, the complexity of your rig, and the owner's willingness or ability to be a do-it-yourselfer.
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Old 04-12-2012, 08:41 PM   #74
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An extended warranted is nothing but an insurance policy.
The companies that write them stack the deck in thier favor, always.

I own a service business, my most profitable work is service contracts. No exceptions, no questions asked, we cover everything, period. Still the most profitable work I can get, margins over 400%!
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Old 04-12-2012, 08:48 PM   #75
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Old 04-12-2012, 09:39 PM   #76
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Quote:
Originally Posted by JimM68
An extended warranted is nothing but an insurance policy.
The companies that write them stack the deck in thier favor, always.

I own a service business, my most profitable work is service contracts. No exceptions, no questions asked, we cover everything, period. Still the most profitable work I can get, margins over 400%!
That's why I sell them but I don't but them :-)
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Old 04-12-2012, 09:47 PM   #77
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There are only a couple of valid reasons to buy an extended warranty.

1. You want piece of mind

2. You are buying a vehicle on the cheap which has some known defects, or is a model that is known to break certain items.

If you buy an extended warranty thinking it will save you money, you are dead wrong. You may get lucky and actually recoup or get more than you paid for it,
But odds are you will spend more money than you gear back. You are almost always better off putting your money in the bank and saving it for repairs.

This is just a fact. Insurance companies are not in business to loose money, and when you go to Vegas, the house almost always wins.
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Old 04-12-2012, 10:51 PM   #78
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Quote:
Originally Posted by WheelingIt View Post
Well thought I would update everyone on my decision since I originally started the thread. After lots of negotiation I managed to get $1000 off the warranty price and finally decided to bite. We got the CSI Allegiance exclusive warranty with consequential damage. It is supposidly the most comprehensive after-market policy on the market.

Turns out our microwave crapped out and we just had our first experience making a claim. This is minor stuff (we're talking $180 for the total repair), but I am already thinking twice about whether we made the right choice buying this warranty. NASC (the administrators) have frankly not been easy to deal with.

-> Initially they refused to cover part of the repair...after several phone-calls pointing out I had bought the consequential damage clause and expected coverage, they finally agreed to cover it

-> Now they are refusing to pay diagnostic labor and are still trying to avoid paying $40 of the bill - this is in open discussion

So 3-4 days all for a measly $80 reimbursement on a microwave. I'm worried how hard this would be if we had a REALLY costly repair? This doesn't bode well.
That really stinks and you're right to feel apprehensive about future dealings with them. Just to offer a contrast of experiences and show that not all of these companies are the same, Easy Care has paid nearly a dozen claims in the five years I've had the contract and I have never had a single contact with them. The dealer/shops I have used enjoy working with them and have handled everything directly... including the billing and payment.

I'm sure I've still paid more in premium than I've collected in claims but as was pointed out above, peace of mind was my reason for buying it and it has delivered on that promise. There are large mark ups on these contracts and prices should certainly be negotiated (although being a newbie I didn't ) but I don't hold it against company for making a profit... my auto insurance company makes a profit too. It's when they do it by not delivering on their promises that gives the entire industry a bad name.

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Old 04-12-2012, 11:21 PM   #79
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I paid ~$4500 for my service contract. The claim to Phoenix American was over $10k for a motor, dash AC compressor, fuel pump/filter and instrument cluster. They wouldn't pay for a new dryer and expansion valve, even though it was required for the Ford warranty. They also charged $97 for a re-inspection for the fuel pump. They couldn't inspect the fuel pump with the head off. The service manager went to bat for me on that and I called and talked to a warranty rep twice. They wouldn't budge. The manager split the cost with me. The tech lost my sway link bushings, so he took that half off too. I complained about the life of the 6 month old batteries being shortened by sitting off the charger for 3 months and he installed two Trojan's for his cost of one. Out the door to me was ~$350 including the $100 deductible.

I don't normally buy lotto tickets, but I did buy 60 Mega Million tickets for the record one. Ya know that anonymous winner? It wasn't me.
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Old 04-13-2012, 11:05 AM   #80
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Quote:
Originally Posted by Schoolsout2 View Post
......One friend said he plans any repair will cost $1000. .....
Quote:
as the gennie starter replacement was about $700,the wheel bearing replacement and ABS problem were almost $1000,the air compressor replacement,(the 1 year old replacement was done wrong and I couldn't find where it was done) was over $1500 and a couple of others that would have been covered cost me a lot.
Agreed...

I have never left the repair shop for less than $1000..(most times over $2000)
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