BMW Extended Warranty - claims over 100k miles, experiences?
Discussion
Hi,
Most of us know the BMW warranty is excellent, but wear and tear items are excluded above 100k miles.
Have many of you made claims above this mileage under the comprehensive warranty?
Just interested in experiences, I know you can argue most things are wear and tear, but my gut feeling is they'll be pretty fair.
Most of us know the BMW warranty is excellent, but wear and tear items are excluded above 100k miles.
Have many of you made claims above this mileage under the comprehensive warranty?
Just interested in experiences, I know you can argue most things are wear and tear, but my gut feeling is they'll be pretty fair.
I had a 2008 335i (E93) until a couple of years ago and it had the BMW insured warranty on it from the start. When I sold it, I had done 223k miles. There were several warranty claims (non wear and tear) after 100k and no issues at all (like water pump, electric boot closure, couple of other things that I forget now).
So in my experience, it's an excellent warranty.
Just pay monthly and keep it going.
So in my experience, it's an excellent warranty.
Just pay monthly and keep it going. Recalcitrant said:
Hi,
Most of us know the BMW warranty is excellent, but wear and tear items are excluded above 100k miles.
Have many of you made claims above this mileage under the comprehensive warranty?
Just interested in experiences, I know you can argue most things are wear and tear, but my gut feeling is they'll be pretty fair.
Most of us know the BMW warranty is excellent, but wear and tear items are excluded above 100k miles.
Have many of you made claims above this mileage under the comprehensive warranty?
Just interested in experiences, I know you can argue most things are wear and tear, but my gut feeling is they'll be pretty fair.
Edited by wax lyrical on Thursday 3rd July 20:40
My experience (as of this week, and also earlier this year) is far less positive.
I have had my E92 M3 from new (2011) and it has now covered 51k miles, so well within the 100k mark.
Immaculate service history, all at main dealers.
I have the Comprehensive level of cover (in place since the 3rd birthday) and it is very obvious that Allianz are becoming more and more difficult to deal with and get a successful claim passed.
The existing warranty policy document contradicts itself in the 2 paragraphs which refer to "wear and tear", with the second paragraph listing 19 reasons not to honour this commitment.
I have a formal complaint in place - and even the process for raising this is remarkably flawed.
I am awaiting the outcome - I expect a rejection, but then I will be going to the FS Ombudsman (it is an insurance policy so falls within that remit).
It has not always been this way - up until about 3 years ago everything seemed fine, but clearly there has been a change of attitude of late.
Perhaps they have deduced from my annual mileage, that they have a risk which they are no longer prepared to accept.
I have had my E92 M3 from new (2011) and it has now covered 51k miles, so well within the 100k mark.
Immaculate service history, all at main dealers.
I have the Comprehensive level of cover (in place since the 3rd birthday) and it is very obvious that Allianz are becoming more and more difficult to deal with and get a successful claim passed.
The existing warranty policy document contradicts itself in the 2 paragraphs which refer to "wear and tear", with the second paragraph listing 19 reasons not to honour this commitment.
I have a formal complaint in place - and even the process for raising this is remarkably flawed.
I am awaiting the outcome - I expect a rejection, but then I will be going to the FS Ombudsman (it is an insurance policy so falls within that remit).
It has not always been this way - up until about 3 years ago everything seemed fine, but clearly there has been a change of attitude of late.
Perhaps they have deduced from my annual mileage, that they have a risk which they are no longer prepared to accept.
I've found that its often the dealers that are the problem.
A couple of years ago my 108k mile CSL developed a clutch issue - a loud tapping after changing gear. I had the car recovered to a local main dealer who subsequently diagnosed the clutch as needing replacement due to wear, adding that its a consumable item.
I'd not experienced any slipping or performance issues and asked for more information regarding the wear. The dealer then said a number of the fingers on the plate had snapped off, but as a clutch is a consumable, it would not be covered under warranty. And its 2.3k to replace please.
Despite my protestations that snapped fingers was a component failure rather than wear, they were adamant warranty was a no go.
I contacted Allianz directly and discussed with one of the claims managers (an ex technician). He said he had not received any contact from the dealer regarding the potential claim.
He also agreed that failure would be covered and said he would contact the dealer for detailed pictures.
I received a call from the dealer an hour later confirming the the warranty would cover the failure and replacement in full.
It turned out that the dealers in house warranty manager had made the decision that as a clutch is classed as a consumable, warranty would be denied and therefore no reason to contact Allianz to put forward a claim.
Always worth contacting Allianz yourself, i've always forund them to be very fair.
A couple of years ago my 108k mile CSL developed a clutch issue - a loud tapping after changing gear. I had the car recovered to a local main dealer who subsequently diagnosed the clutch as needing replacement due to wear, adding that its a consumable item.
I'd not experienced any slipping or performance issues and asked for more information regarding the wear. The dealer then said a number of the fingers on the plate had snapped off, but as a clutch is a consumable, it would not be covered under warranty. And its 2.3k to replace please.
Despite my protestations that snapped fingers was a component failure rather than wear, they were adamant warranty was a no go.
I contacted Allianz directly and discussed with one of the claims managers (an ex technician). He said he had not received any contact from the dealer regarding the potential claim.
He also agreed that failure would be covered and said he would contact the dealer for detailed pictures.
I received a call from the dealer an hour later confirming the the warranty would cover the failure and replacement in full.
It turned out that the dealers in house warranty manager had made the decision that as a clutch is classed as a consumable, warranty would be denied and therefore no reason to contact Allianz to put forward a claim.
Always worth contacting Allianz yourself, i've always forund them to be very fair.
darreni said:
I've found that its often the dealers that are the problem.
A couple of years ago my 108k mile CSL developed a clutch issue - a loud tapping after changing gear. I had the car recovered to a local main dealer who subsequently diagnosed the clutch as needing replacement due to wear, adding that its a consumable item.
I'd not experienced any slipping or performance issues and asked for more information regarding the wear. The dealer then said a number of the fingers on the plate had snapped off, but as a clutch is a consumable, it would not be covered under warranty. And its 2.3k to replace please.
Despite my protestations that snapped fingers was a component failure rather than wear, they were adamant warranty was a no go.
I contacted Allianz directly and discussed with one of the claims managers (an ex technician). He said he had not received any contact from the dealer regarding the potential claim.
He also agreed that failure would be covered and said he would contact the dealer for detailed pictures.
I received a call from the dealer an hour later confirming the the warranty would cover the failure and replacement in full.
It turned out that the dealers in house warranty manager had made the decision that as a clutch is classed as a consumable, warranty would be denied and therefore no reason to contact Allianz to put forward a claim.
Always worth contacting Allianz yourself, i've always forund them to be very fair.
That is intersting re contacting allianz direct.I have a burning oil issue on my 335d uses a ltr oil every 3k miles.It has been in to 2 BMW dealers total 5 times. They have changed parts but no difference. They say that next step is to take Turbo apart but if no issue then I have to pay for that work ,he put it at £2500.00. A couple of years ago my 108k mile CSL developed a clutch issue - a loud tapping after changing gear. I had the car recovered to a local main dealer who subsequently diagnosed the clutch as needing replacement due to wear, adding that its a consumable item.
I'd not experienced any slipping or performance issues and asked for more information regarding the wear. The dealer then said a number of the fingers on the plate had snapped off, but as a clutch is a consumable, it would not be covered under warranty. And its 2.3k to replace please.
Despite my protestations that snapped fingers was a component failure rather than wear, they were adamant warranty was a no go.
I contacted Allianz directly and discussed with one of the claims managers (an ex technician). He said he had not received any contact from the dealer regarding the potential claim.
He also agreed that failure would be covered and said he would contact the dealer for detailed pictures.
I received a call from the dealer an hour later confirming the the warranty would cover the failure and replacement in full.
It turned out that the dealers in house warranty manager had made the decision that as a clutch is classed as a consumable, warranty would be denied and therefore no reason to contact Allianz to put forward a claim.
Always worth contacting Allianz yourself, i've always forund them to be very fair.
darreni said:
I've found that its often the dealers that are the problem.
A couple of years ago my 108k mile CSL developed a clutch issue - a loud tapping after changing gear. I had the car recovered to a local main dealer who subsequently diagnosed the clutch as needing replacement due to wear, adding that its a consumable item.
I'd not experienced any slipping or performance issues and asked for more information regarding the wear. The dealer then said a number of the fingers on the plate had snapped off, but as a clutch is a consumable, it would not be covered under warranty. And its 2.3k to replace please.
Despite my protestations that snapped fingers was a component failure rather than wear, they were adamant warranty was a no go.
I contacted Allianz directly and discussed with one of the claims managers (an ex technician). He said he had not received any contact from the dealer regarding the potential claim.
He also agreed that failure would be covered and said he would contact the dealer for detailed pictures.
I received a call from the dealer an hour later confirming the the warranty would cover the failure and replacement in full.
It turned out that the dealers in house warranty manager had made the decision that as a clutch is classed as a consumable, warranty would be denied and therefore no reason to contact Allianz to put forward a claim.
Always worth contacting Allianz yourself, i've always forund them to be very fair.
I had a very similar experience to you. Dealer refused to put through as warranty claim, contacted Allianz, and they agreed. The difference to the dealer is that the hourly rate for warranty claims is far lower than retail iirc. So they prefer punters to pony up their own pounds rather than warranty. In the end i'd contact Allianz first then go to the dealer and hit them with "yeah but... " when they suggest its not a warranty issue.A couple of years ago my 108k mile CSL developed a clutch issue - a loud tapping after changing gear. I had the car recovered to a local main dealer who subsequently diagnosed the clutch as needing replacement due to wear, adding that its a consumable item.
I'd not experienced any slipping or performance issues and asked for more information regarding the wear. The dealer then said a number of the fingers on the plate had snapped off, but as a clutch is a consumable, it would not be covered under warranty. And its 2.3k to replace please.
Despite my protestations that snapped fingers was a component failure rather than wear, they were adamant warranty was a no go.
I contacted Allianz directly and discussed with one of the claims managers (an ex technician). He said he had not received any contact from the dealer regarding the potential claim.
He also agreed that failure would be covered and said he would contact the dealer for detailed pictures.
I received a call from the dealer an hour later confirming the the warranty would cover the failure and replacement in full.
It turned out that the dealers in house warranty manager had made the decision that as a clutch is classed as a consumable, warranty would be denied and therefore no reason to contact Allianz to put forward a claim.
Always worth contacting Allianz yourself, i've always forund them to be very fair.
bmwmike said:
I had a very similar experience to you. Dealer refused to put through as warranty claim, contacted Allianz, and they agreed. The difference to the dealer is that the hourly rate for warranty claims is far lower than retail iirc. So they prefer punters to pony up their own pounds rather than warranty. In the end i'd contact Allianz first then go to the dealer and hit them with "yeah but... " when they suggest its not a warranty issue.
During a recent dispute with my local dealership after a warranty refusal, I raised this issue with the service manager. He categorically denied that warranty labour rates are less than those paid by private customers. I don't think I believe him. Riggie said:
bmwmike said:
I had a very similar experience to you. Dealer refused to put through as warranty claim, contacted Allianz, and they agreed. The difference to the dealer is that the hourly rate for warranty claims is far lower than retail iirc. So they prefer punters to pony up their own pounds rather than warranty. In the end i'd contact Allianz first then go to the dealer and hit them with "yeah but... " when they suggest its not a warranty issue.
During a recent dispute with my local dealership after a warranty refusal, I raised this issue with the service manager. He categorically denied that warranty labour rates are less than those paid by private customers. I don't think I believe him. Hi, I can get my 2003 M3 E46 quoted BMW warranty as mileage is only 35000. It’s coming out fully comp at 130 per month. It’s a manual not SMG, just wondering if there are any larger items that would make paying 1500 per year worth it. Also, before paying online it’s says confirm the maintenance history has followed manufacturers guidelines, there are yearly gaps in mine, I would imagine most cars also, and even though the car has full main dealer and great indies such as Hero Motor Co and Everything M3’s I’m concerned that I pay and when claiming they throw it out because it has not had a main dealer history every year since 2003! Do BMW, like Ferrari & Porsche ask you to come in for a PPi, before accepting it for warranty? Or gaps in yearly maintenance don’t matter when claiming, once you have your agreement and are paying? Advise appreciated.
JJ77 said:
So you have to service it every 2 years for warranty claims to be valid? So a gap between 2009 to 2013, and 2016 to 2019, even though mileage was 5000 total would ban me from BMW warranty even though they have quoted me?
Has to be serviced in line with the manufacturers stated intervalsOn modern BMWs that tends to be 2 years or 19000 miles whichever comes first.
On older cars it was 1 year 10 / 12000 miles whichever comes first
So 3 and 4 year gaps would not be acceptable
Thanks that’s what I needed to know. Think it’s a bad system, go online put in reg number and mileage then they quote you annually or monthly, voluntary excess and pay now. You drive round thinking you have comprehensive cover until something goes wrong and told car not valid for Warranty. Much prefer the Ferrari or Porsche system, come in for PPi, or service and they inspect it and say you good to pay online…
Gassing Station | BMW General | Top of Page | What's New | My Stuff