[Dr Forinor]

Thanks for the replies everybody.

I've decided to go for their Comprehensive warranty cover, with £250 excess. That way it keeps the premium down, should I claim for nothing, and if I claim then £250 excess isn't so bad in the grand scheme of things.

Thanks all.

[OneExtra]

Originally Posted by Dr Forinor

Thanks for the replies everybody.

I've decided to go for their Comprehensive warranty cover, with £250 excess. That way it keeps the premium down, should I claim for nothing, and if I claim then £250 excess isn't so bad in the grand scheme of things.

Thanks all.

That's exactly what I would do.

If it makes you feel any better I had a look for the same thing on the M5 and it was £1500 a year with £250 excess

[jinjur]

THis is the very reason I bought our used car from BMW tbh.

Our last BMW broke my heart and wallet and I vowed never to have another BMW until I could buy from a dealer and extend the warranty.

Those prices listed look very reasonable to me compared to what I had to lay out fixing our previous car and I would probably lean towards the higher excess as has been said, if you are in a position of needing the warranty, 250 will seem small fries.

I take it those prices wouldnt be different for twin turbo models?

J

[Dr Forinor]

Originally Posted by jinjur

THis is the very reason I bought our used car from BMW tbh.

Our last BMW broke my heart and wallet and I vowed never to have another BMW until I could buy from a dealer and extend the warranty.

Those prices listed look very reasonable to me compared to what I had to lay out fixing our previous car and I would probably lean towards the higher excess as has been said, if you are in a position of needing the warranty, 250 will seem small fries.

I take it those prices wouldnt be different for twin turbo models?

J

Mine is the twin turbo model and that's the price I have been quoted.

[jinjur]

Cheers for confirming. I will be happy to pay that friend for peace of mind.

[skipraider]

Originally Posted by Dr Forinor

Thanks for the replies everybody.

I've decided to go for their Comprehensive warranty cover, with £250 excess. That way it keeps the premium down, should I claim for nothing, and if I claim then £250 excess isn't so bad in the grand scheme of things.

Thanks all.

That's what I did too. £250 excess and paying annually brings the cost down quite a bit. I have breakdown with the bank, so didn't bother with that.

So if anything major goes wrong the most I should have to pay is the £250.

[sensible]

The person providing the insurance policy always makes more money than the policy holders....so statistics show that you are unlikely to claim more than you have paid. You can over insure everything, some people insure their washing machine or even their toaster. If you have the money in the bank, just pay for it when it goes wrong. That's likely to be less than you would have paid in insurance.

[HighlandPete]

Originally Posted by sensible

The person providing the insurance policy always makes more money than the policy holders....so statistics show that you are unlikely to claim more than you have paid. You can over insure everything, some people insure their washing machine or even their toaster. If you have the money in the bank, just pay for it when it goes wrong. That's likely to be less than you would have paid in insurance.

I understand the reasoning, I 'self insure' (take the risk) all the smaller stuff in the home.

The car and house are different, as the costs involved, if it goes pear shaped, can be large.

I've used the extended warranties with BMW emergency cover, (that's a very valuable part of the warranty, recoveries and hire cars), mainly for peace of mind, particularly as my cars are loaded with extras, so risks are higher.

Over all the years with the extended warranties, I've always had claims near or above the costs in each year. In fact I'm 'quids in' due to having a new V8 engine along the way. I'm one of the 'winners' with warranty claims.

[sensible]

Originally Posted by HighlandPete

I understand the reasoning, I 'self insure' (take the risk) all the smaller stuff in the home.

The car and house are different, as the costs involved, if it goes pear shaped, can be large.

I've used the extended warranties with BMW emergency cover, (that's a very valuable part of the warranty, recoveries and hire cars), mainly for peace of mind, particularly as my cars are loaded with extras, so risks are higher.

Over all the years with the extended warranties, I've always had claims near or above the costs in each year. In fact I'm 'quids in' due to having a new V8 engine along the way. I'm one of the 'winners' with warranty claims.

There will always be the odd winners like you...and like you say it's peace of mind, but you are paying for that. However, for every 'winner' like you there will be far more 'losers'. It's like a fruit machine, it will pay out big occasionally but the machine always wins!

[Dr Forinor]

After speaking to them again, they informed me that having a remap on my car is not accepted if I want to do ahead with insured warranty.

So that's that out the window.

[ByTheSea]

Originally Posted by Dr Forinor

After speaking to them again, they informed me that having a remap on my car is not accepted if I want to do ahead with insured warranty. So that's that out the window.

No surprises there. Your car insurance is also invalidated if you have not informed them of the change.

[Tengocity]

Shouldn't have told them!

[ByTheSea]

Originally Posted by Tengocity

Shouldn't have told them!

Scenario... you break down in the middle of nowhere. Rescue team comes out and hauls your car to a local BMW garage. Garage finds engine problems and downloads info from car. Ooooh look, he's had a remap. Sorry buddy, it's all on you. Same with your car insurance if they contact the BMW garage for info in resolving a claim. I think personally I would up front with insurance.

[Tengocity]

Originally Posted by ByTheSea

Scenario... you break down in the middle of nowhere. Rescue team comes out and hauls your car to a local BMW garage. Garage finds engine problems and downloads info from car. Ooooh look, he's had a remap. Sorry buddy, it's all on you. Same with your car insurance if they contact the BMW garage for info in resolving a claim. I think personally I would up front with insurance.

I had a load of warranty work done on my 335d post remap. They didn't detect it, so I would never have told them about it.

I told my insurer about all my mods however.

[ByTheSea]

Originally Posted by Tengocity

I had a load of warranty work done on my 335d post remap. They didn't detect it...

Maybe they had no reason to do a download, but they will have in the event of a drive train failure. Good luck.

[Tengocity]

Originally Posted by ByTheSea

Maybe they had no reason to do a download, but they will have in the event of a drive train failure. Good luck.

It was connected up to the BMW diagnostics computer twice, and not detected either time. I watched them do it one of the times. It doesn't really matter what they're checking on, as they'd connect it to read the fault codes every time.

If a remap is detected then it flags straight away and informs the user what aspects of the warranty are voided. If the computer is fine then the dealership are fine.

If anyone is in any doubts then don't remap, but it's far from definite that it would be detected.

[Dr Forinor]

Originally Posted by ByTheSea

Scenario... you break down in the middle of nowhere. Rescue team comes out and hauls your car to a local BMW garage. Garage finds engine problems and downloads info from car. Ooooh look, he's had a remap. Sorry buddy, it's all on you. Same with your car insurance if they contact the BMW garage for info in resolving a claim. I think personally I would up front with insurance.

This is my concern. If for whatever reason they find out my car is remapped, I would essentially have been throwing the premiums down the drain.

[Tengocity]

Originally Posted by Dr Forinor

This is my concern. If for whatever reason they find out my car is remapped, I would essentially have been throwing the premiums down the drain.

Only IF they found it, and the issue was drivetrain related. Plenty other things could go wrong with your car. My idrive system needed to be completely replaced, and also the dashboard removed to sort the HUD, on my 330e, which was all done under warranty. Even if they'd known about a remap on that car (which isn't remapped) then that stuff would have been covered still.

[Dr Forinor]

I didn't tell them my car is remapped, I said I might plan on remapping and if I do what happens then.

So I suppose it's not necessarily a complete no no.

[Quantox]

My view is that the OP should go for the warranty. Peace of mind is a great thing. A few years ago I had to scrap an otherwise perfectly good car, all for the sake of a faulty transmission sensor that was going to cost more than 50% of the cars value to fix.
My 30d came up for extended warranty a few weeks ago and I bought the £100 XS annual offer as I'm passing the car to my son when my 440i GC arrives and I thought that was the best deal not to saddle him with too much XS and to reduce the cost a little. As others have said, the recovery deal is good at £69 as it also covers a replacement car rather than dumping you outside a dealers on a dark and wet night.
The complexity of modern cars and some of the horror stories read on here also contributed to the decision making process.

Cheers

Q

[JD6]

Originally Posted by Dr Forinor

This is my concern. If for whatever reason they find out my car is remapped, I would essentially have been throwing the premiums down the drain.

I was talking to a chap who has remapped his VW 3.0 diesel engine. The DPF expired when the car was about 1 year old and they voided the entire warranty when they detected the map.

I imagine it would be possible to force them to cover issues which could not be related to the remap, as has been suggested, but it did sound like a real PITA. He has been an excellent VW customer so their response is pretty disappointing.

Personally, I probably wouldn't bother extending a warranty if I had remapped, even if they don't routinely detect them. You can imagine that if a major drivetrain repair is needed, they may well go over the car with a fine-toothed comb.

[Hooded]

Originally Posted by JD6

I was talking to a chap who has remapped his VW 3.0 diesel engine. The DPF expired when the car was about 1 year old and they voided the entire warranty when they detected the map.

I imagine it would be possible to force them to cover issues which could not be related to the remap, as has been suggested, but it did sound like a real PITA. He has been an excellent VW customer so their response is pretty disappointing.

Personally, I probably wouldn't bother extending a warranty if I had remapped, even if they don't routinely detect them. You can imagine that if a major drivetrain repair is needed, they may well go over the car with a fine-toothed comb.

Agree..

If the op keeps the car say 4 years and he has to spend a couple of grand fixing a fault, it would have cost at least that much for the warranty over that period anyway. If he needs a new engine he's just very unlucky, like getting run over by a bus.

Keep all service or repair costs down out of warranty by using a BMW specialist instead of main dealer too.