Help needed choosing Warranty
Discussion
Car is a 2006 e92 330i which I have bought from a BMW dealership and have owned for just under 1 year.
Just received a letter stating the fact that my warranty was going to run out.
For comprehensive the amount is £427(inc Emergency Service), named component £380 and Driveline is £322.
I was wondering which one is the most popular with you guys, and would for example the Comprehensive cover discs ?
Looked at the BMW site and read what was included and have to say it is rather vague.
Thanks for reading.
Just received a letter stating the fact that my warranty was going to run out.
For comprehensive the amount is £427(inc Emergency Service), named component £380 and Driveline is £322.
I was wondering which one is the most popular with you guys, and would for example the Comprehensive cover discs ?
Looked at the BMW site and read what was included and have to say it is rather vague.
Thanks for reading.
There have been quite a bit discussion on this. From my personal experience I would recommend the BMW extended warrany. I have it on my 7 and while it may be more expensive than the rest, if you go for the top level of cover its very comprehensive and any time i've used it i've had no hassle. Consumables like disks etc wont be covered. (I would'nt think many extended warranties would)
Cheers,
C
Cheers,
C
Edited by cat220 on Sunday 13th February 00:21
£427 doesn't sound too bad. I pay for my BMW Mondial warranty monthly. It's a bit dearer but spreads the cost and you can cancel your DD if you sell the car.
ONE THING TO WATCH OUT FOR - (and I'm interested to hear other feedback on this), whilst BMW can't make you service your car at a dealership in order to keep your 3 year original warranty (thanks to EU "block exemption" rules), the Mondial product is an aftermarket insurance scheme and IT IS a condition of the insurance that the car is main dealer serviced... So, you may not be covered if you use an independent garage to service your car...
ONE THING TO WATCH OUT FOR - (and I'm interested to hear other feedback on this), whilst BMW can't make you service your car at a dealership in order to keep your 3 year original warranty (thanks to EU "block exemption" rules), the Mondial product is an aftermarket insurance scheme and IT IS a condition of the insurance that the car is main dealer serviced... So, you may not be covered if you use an independent garage to service your car...
I also got a quote today for full cover - £442 with no excess, £349 with £100 excess and £268 with £250 excess.
Seems pretty reasonable although a bit more than the older car above which seems odd !?
In answer to my own question above I think the full cover is needed to cover the risk of the dreaded fuel pump and injector failures as they are part of the 'fuelling system' I imagine, which is not covered on the lesser levels.
Just need to decide if I want an excess now
Seems pretty reasonable although a bit more than the older car above which seems odd !?
In answer to my own question above I think the full cover is needed to cover the risk of the dreaded fuel pump and injector failures as they are part of the 'fuelling system' I imagine, which is not covered on the lesser levels.
Just need to decide if I want an excess now
The way I look at it is, if you have the £100 excess you only really need one claim and the price difference is used up. Two claims and you are down on the deal. I only made one claim on mine, however the year before when it was under the AUC warranty I made three claims.
As for servicing, you have to have it serviced at BMW, it's not like the original new car warranty where the block exemption rules come into force. This is because the new car comes with the warranty so you didn't have a choice in the matter and as such they can't force you to service at BMW. However the Mondial warranty is your choice if you take it or not and therefore have to adhere to any terms and conditions they set out, ie servicing at BMW.
The price with zero excess should be on their website, I certainly did all mine online, the letter they send you is normally with prices for £100 excess.
It's also worth noting that at 60k miles the prices increase dramatically. However if you are close to the 60k mark then it's worth taking out the monthly policy. It costs slightly more for a year, but when you come to 60k miles you continue to pay the same price with no end date. You can of course also cancel when you sell the car, I'm not sure if they give a refund from the annual policy if you sell part way through.
As for servicing, you have to have it serviced at BMW, it's not like the original new car warranty where the block exemption rules come into force. This is because the new car comes with the warranty so you didn't have a choice in the matter and as such they can't force you to service at BMW. However the Mondial warranty is your choice if you take it or not and therefore have to adhere to any terms and conditions they set out, ie servicing at BMW.
The price with zero excess should be on their website, I certainly did all mine online, the letter they send you is normally with prices for £100 excess.
It's also worth noting that at 60k miles the prices increase dramatically. However if you are close to the 60k mark then it's worth taking out the monthly policy. It costs slightly more for a year, but when you come to 60k miles you continue to pay the same price with no end date. You can of course also cancel when you sell the car, I'm not sure if they give a refund from the annual policy if you sell part way through.
Jobbo said:
I'd suggest knocking off the emergency cover and just having the warranty - though do make sure you have other breakdown cover.
Ah yes, forgot about breakdown cover, I didn't have it on mine, was a difference of £7 a month I think, but I already have other cover. It's also worth noting, that even without the breakdown cover, if you are over half a mile from home they will still come and tow you to the nearest dealership.I took the BMW/Mondial cover for our X3 last summer, it was a similar cost (£427 I think) which was comprehensive with £100 excess and emergency. I thought it was very reasonable.
It has already had a claim for a failed Sat Nav component (£1800 + VAT just for the part...) and the process couldn't have been easier, I just paid the main dealer the excess and other than that, it was as if it had been covered by the original warranty.
Also the breakdown has proved to be useful, considering it only cost an extra £70 and most RAC/AA policies are £120+. I also resent the way that these breakdown providers tempt you with 'new customer' prices and then whack up the renewal price. Anyway the wife flattened the battery the other day by leaving the car garaged, unlocked and I suspect interior lights stayed on all weekend. She phoned BMW and they were onsite, at home within half an hour, and we live out in the sticks. They jump started the car, checked the battery and electricals out thoroughly, then gave her the all clear and told her to take an extended drive to charge it. They didn't once suggest that a new battery should be bought.
It has already had a claim for a failed Sat Nav component (£1800 + VAT just for the part...) and the process couldn't have been easier, I just paid the main dealer the excess and other than that, it was as if it had been covered by the original warranty.
Also the breakdown has proved to be useful, considering it only cost an extra £70 and most RAC/AA policies are £120+. I also resent the way that these breakdown providers tempt you with 'new customer' prices and then whack up the renewal price. Anyway the wife flattened the battery the other day by leaving the car garaged, unlocked and I suspect interior lights stayed on all weekend. She phoned BMW and they were onsite, at home within half an hour, and we live out in the sticks. They jump started the car, checked the battery and electricals out thoroughly, then gave her the all clear and told her to take an extended drive to charge it. They didn't once suggest that a new battery should be bought.
Well at the end went for the Comprehensive, 0 excess and no breakdown cover as am a member of the RAC which covers both my vehicles.
Worked out at £41 a month, would have been about £90 cheaper if I went for £100 excess however as some of you said with the labor costs that would be gone in 1 visit.
Rung and asked about the fuel pump dibbly dobbler and I was told this was only covered under the Comprehensive cover.
Worked out at £41 a month, would have been about £90 cheaper if I went for £100 excess however as some of you said with the labor costs that would be gone in 1 visit.
Rung and asked about the fuel pump dibbly dobbler and I was told this was only covered under the Comprehensive cover.
I took out the BMW comprehensive version of the Mondial insurance without excess but also without the comprehensive recovery part as I won't be driving in Europe for the foreseeable future.
None of the versions of the warranty covers wheels, tyres, discs or pads so although you have to get the car serviced at a BMW dealer, I see no reason why these items should be fixed by a dealer as they aren't covered. One point of interest, whilst most warranties cover the catalytic convertor (sometimes at extra cost), this will also cover the DPF on a diesel car. But the BMW warranty does NOT cover the DPF "because it isn't mechanical".
None of the versions of the warranty covers wheels, tyres, discs or pads so although you have to get the car serviced at a BMW dealer, I see no reason why these items should be fixed by a dealer as they aren't covered. One point of interest, whilst most warranties cover the catalytic convertor (sometimes at extra cost), this will also cover the DPF on a diesel car. But the BMW warranty does NOT cover the DPF "because it isn't mechanical".
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