bmw failed turbo - Insurance wont pay!!!!!

bmw failed turbo - Insurance wont pay!!!!!

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mike9009

4,178 posts

188 months

Tuesday 10th September
quotequote all
Unfortunately, the warranty will probably not cover it. And looking at the policy on line it would only cover 50% of the cost on a vehicle so old.

I made a similar mistake many years ago. Bought a warranty because I thought it would be a good idea. When I actually sat down and read what was included, the circumstances for a pay out were so slim that it really wasn't worth the paper it was written on. The verbal spiel from the dealer and quick look at the policy seemed like more or less everything was covered. Careful wording meant virtually everything was excluded. I 'think' the Warranty Assist is similar. Luckily only a few minor things needed doing on the car I bought during the 'warranty' period.

Since then I would only rely on manufacturers warranty, although there are a few reputable warranty companies - I just take the risk myself now. Later, I did ask one dealer if I could record the verbal conversation about the warranty (in jest!) - he declined and I just bought the car biggrinbiggrin

You are under no obligation to purchase the warranty. I would now walk away from a dealer charging extra for a warranty if they would not sell without.


xjay1337

12,585 posts

63 months

Wednesday 11th September
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Condi said:
xjay1337 said:
Seems a lot.
vw tdi turbos are around 600 fitted and much less room to change a turbo on those!
Depends on what else needs done. A 'turbo' can include all the pipework, new or flushed intercooler etc. From memory a friend's Golf was 4 figures when the turbo went, and that was done at mates rates labour.
Depends if it's done smartly or just buying all new parts from VW.

I see a lot of failed turbos and rarely does it cost that much. Most failures just are the main seal on shaft has failed so it pisses oil out, or exh side failing and the shaft basically comes out the exhaust but yes it could be worse if bits of turbo wheel are stuck in the intercooler but that is rare.

Anyway I've had many high mileage TDI with factory turbos and never had a failure. A turbocharger should last as long as the vehicle in most cases assuming regular servicing. 150k 1.9 tdi mk5 and my scirocco did 125k on stock turbo. In both cases turbos were on remapped cars, in great health and sold on and only removed due to upgrades

Of course they are to a fine tolerance so if some foriegn object damage causes cw damage and this causes turbo out of balance , or stuck vnt mech causing turbo overboost. Or heck you might have some bad luck. Things break, sure.

But certainly they are not a wear and tear component in the same way that a clutch, brakes or tyres are. A 2006-2008 car is not "old" really and while a turbocharger is something you may need to replace, any main dealer approved used car would cover a warranty and likewise you could argue (can of worms) any used car within 6 months certainly at a higher price point on a say 5-10k used car.

A turbo is technically less complex than an alternator or a starter motor but I bet you that would be covered!!

It's nothing to do with age it's purely cost the warranty company are doing their usual scam to wriggle out of paying. Plenty of tales of that here , on other forums and many review sites for these companies.

Next big PPI type scandal in around 10 years when they fk the wrong person over.

At the least OP you need to get your warranty premiums / cost back. Then personally I would avoid this stress and buy a replacement turbo and have it fitted by a trusted local garage.

Edited by xjay1337 on Wednesday 11th September 00:15

ericmcn

1,564 posts

42 months

Wednesday 11th September
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CathyandJimp said:
My understanding is that a turbo should last the life of the car and it failing was 'sudden and unexpected'
seriously........try telling that to everyone who has had turbo failures, and this is a 2006 car. I personally avoid ALL turbo cars and only buy NA cars - i suck up the extra VED in having a more reliable engine.

RSTurboPaul

871 posts

203 months

Wednesday 11th September
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I have been wondering if we will see a lot more turbo failures occur more regularly, what with pretty much everything new nowadays being forced induction - be it turbo diesel, a twin-turbo petrol luxobarge or a 3-pot shopping trolley.

Owners of said cars seem unlikely to be being advised when purchasing that turbos last better if you let the oil warm up before really using them, and even if they are told, it seems everything is mapped to booooOOST! from about 1500rpm so it must be hard to avoid spooling them up when cold.

Perhaps the tech has come on (roller bearings, better lubricants. tighter manufacturing tolerances of rotating masses, etc.) but 'in the old days' it seems like it was only petrolheads who'd really ran turbo stuff, and they'd generally be aware of the need to be gentle until things were warmed at least a bit.

It makes me wince when the turbodiesel white van man neighbours start up and set off, no word of a lie, with a massive surge of throttle about half a second after the engine has caught.

B'stard Child

18,421 posts

191 months

Wednesday 11th September
quotequote all
CathyandJimp said:
My understanding is that a turbo should last the life of the car and it failing was 'sudden and unexpected'
What's the "life of a car"

"BMW" Autoboxes are sealed for life according to the service schedule - however the "manufacturer" of the gearboxes recommends replacing the fluid every 60-80 K miles - who do you want to believe - the company that wants to sell cars or the company that makes the gearboxes

Sorry but your 2006 car is now 13 years old you have two hopes and one of them is dead

B'stard Child

18,421 posts

191 months

Wednesday 11th September
quotequote all
RSTurboPaul said:
I have been wondering if we will see a lot more turbo failures occur more regularly, what with pretty much everything new nowadays being forced induction - be it turbo diesel, a twin-turbo petrol luxobarge or a 3-pot shopping trolley.

Owners of said cars seem unlikely to be being advised when purchasing that turbos last better if you let the oil warm up before really using them, and even if they are told, it seems everything is mapped to booooOOST! from about 1500rpm so it must be hard to avoid spooling them up when cold.

Perhaps the tech has come on (roller bearings, better lubricants. tighter manufacturing tolerances of rotating masses, etc.) but 'in the old days' it seems like it was only petrolheads who'd really ran turbo stuff, and they'd generally be aware of the need to be gentle until things were warmed at least a bit.

It makes me wince when the turbodiesel white van man neighbours start up and set off, no word of a lie, with a massive surge of throttle about half a second after the engine has caught.
It's not just that - service intervals have been extended - "long life oils" sure oils have improved but fundamentally it's all about reducing the costs and someone one day will pay that price

The car will be fine for the 3 plus year lease - is the poor sucker that buys it after that will have the problems

Wombat3

8,397 posts

151 months

Wednesday 11th September
quotequote all
Unless I missed it the key bit of info missing is the mileage. At that age it could be over 100K & in which case its no surprise at all.

I had a BMW diesel turbo go at 105K

Long life/20K servicing is idiotic on anything with a turbo.

Change the oil every year or 10K miles max & use good quality oil & you have half a chance.

ericmcn

1,564 posts

42 months

Wednesday 11th September
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Wombat3 said:
Unless I missed it the key bit of info missing is the mileage. At that age it could be over 100K & in which case its no surprise at all.

I had a BMW diesel turbo go at 105K

Long life/20K servicing is idiotic on anything with a turbo.

Change the oil every year or 10K miles max & use good quality oil & you have half a chance.
True, but too many neglect basic maintenance - I dont even have a turbo and change oil every 6-10k miles, with either shell helix or castrol edge 5w30. An oil change on the grand scheme of things is cheap, easy to do and no excuse relative to a f***ed up car.

PixelpeepS3

5,677 posts

87 months

Wednesday 11th September
quotequote all
Had the same with my Mk4 Golf GTi (20v turbo)

turbo failed, mechanical cover refused to pay out.

Garage re invoiced as a gearbox failure, insurance paid out.

i think there is a lesson in there somewhere..

Dr Doofenshmirtz

11,922 posts

145 months

Wednesday 11th September
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A warranty that doesn't cover something likely to go wrong shocker. Who'd have thunk it.

longblackcoat

4,041 posts

128 months

Wednesday 11th September
quotequote all
Wombat3 said:
Unless I missed it the key bit of info missing is the mileage. At that age it could be over 100K & in which case its no surprise at all.

I had a BMW diesel turbo go at 105K

Long life/20K servicing is idiotic on anything with a turbo.

Change the oil every year or 10K miles max & use good quality oil & you have half a chance.
Your experience is not mine - I service my two turbo cars precisely to manufacturer’s specs i.e. when the thing on the dashboard tells me, which is every 18-20k, depending of how I’ve been driving.

Nothing’s blown up, no turbo issues. One of the cars is now on 120k, the other on 210k.

OverSteery

2,942 posts

176 months

Wednesday 11th September
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Evercross said:
CathyandJimp said:
the dealer I bought the car from insisted we took out 12mnth Gold Warranty cover
You were under no obligation to take the 'warranty' regardless of their insistence so the above point is irrelevant.

A mild diversion, but I thought a seller could sell whatever they like. Can the seller not choose to sell a "package" of car and Warranty if they want to? He would have to be careful what he advertised wasn't misleading of course.


VAGLover

662 posts

23 months

Wednesday 11th September
quotequote all
PixelpeepS3 said:
Had the same with my Mk4 Golf GTi (20v turbo)

turbo failed, mechanical cover refused to pay out.

Garage re invoiced as a gearbox failure, insurance paid out.

i think there is a lesson in there somewhere..
What, commit fraud?

Rider007

86 posts

39 months

Wednesday 11th September
quotequote all
Unfortunately those third party warranties are not worth the paper they are written on.FYI I went through 2 turbos on a 08 320d in the five years I owned it.Never again.

B'stard Child

18,421 posts

191 months

Wednesday 11th September
quotequote all
longblackcoat said:
Wombat3 said:
Unless I missed it the key bit of info missing is the mileage. At that age it could be over 100K & in which case its no surprise at all.

I had a BMW diesel turbo go at 105K

Long life/20K servicing is idiotic on anything with a turbo.

Change the oil every year or 10K miles max & use good quality oil & you have half a chance.
Your experience is not mine - I service my two turbo cars precisely to manufacturer’s specs i.e. when the thing on the dashboard tells me, which is every 18-20k, depending of how I’ve been driving.

Nothing’s blown up, no turbo issues. One of the cars is now on 120k, the other on 210k.
How many miles do you do and what sort of driving?

Examples

20K a year and mainly A & M roads I could accept a long life service plan

5K a year and a mix of town work - short trips and a proper run once a year and it could be 4 years between services

DJP

1,025 posts

124 months

Wednesday 11th September
quotequote all
Well, I'm sorry but I'm going to suggest that on a 13 year old car pretty much anything that fails is going to be down to wear and tear.

Everything wears out eventually.

xjay1337

12,585 posts

63 months

Wednesday 11th September
quotequote all
DJP said:
Well, I'm sorry but I'm going to suggest that on a 13 year old car pretty much anything that fails is going to be down to wear and tear.

Everything wears out eventually.
So why offer a warranty if you are going to not honour it?

This is supposed to be a product for peace of mind!

DJP

1,025 posts

124 months

Wednesday 11th September
quotequote all
xjay1337 said:
So why offer a warranty if you are going to not honour it?

This is supposed to be a product for peace of mind!
I'm sure that they do (mostly) honour it but they don't cover wear & tear.

Not even the manufacturers warranty covers that.

xjay1337

12,585 posts

63 months

Wednesday 11th September
quotequote all
DJP said:
xjay1337 said:
So why offer a warranty if you are going to not honour it?

This is supposed to be a product for peace of mind!
I'm sure that they do (mostly) honour it but they don't cover wear & tear.

Not even the manufacturers warranty covers that.
A turbo charger is not a wear and tear part.

Those are

Brakes
Clutches
Tyres
Drive belts (if not changed within manufacturer guidelines).

Those sorts of things.

As I said a turbo is generally able to last life time of car given suitable servicing.

These warranty companies are a SCAM.

I really do not understand people on this thread who think a turbo is a "wear and tear component".

You'll notice they are saying it's a gradual failure and not a "sudden failure" as usual. So if it suddenly blew up then fine but I suspect in Op case a seal has failed.

I bet you their policy wording does NOT exclude turbochargers.


CrgT16

590 posts

53 months

Wednesday 11th September
quotequote all
Well my 2004 320d did 187k miles on the original turbo and clutch! Until I sold it. Maybe I was lucky but I drive sympathetic to the cars and service them well.

Oil changes in the last 50k where yearly. Just in case.