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2010 2011 BMW 5 Series Forum F10 Out of Warranty N63 Roulette |
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03-21-2017, 07:25 PM | #1 |
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Out of Warranty N63 Roulette
So I've been seeing a lot of "warranty advice" threads lately in regards to which warranty to get for their N63, but not many that have posted they are taking their chances that any future repair costs will not exceed the price of an extended warranty. I have a 2013 550xi (yes, N63) that has been virtually trouble-free (only issue, a DMTL pump replaced under warranty) since the CCP was done roughly 30k miles ago, and am on the fence. Anyone else out there that has had good luck with their N63/N63tu vehicle and decided against an aftermarket warranty? Tell me I'm not crazy here (or tell me I am ). Thanks for your input.
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03-22-2017, 08:37 AM | #2 |
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101k miles on my '11 N63 and haven't had to change anything but an oil gasket, the turbo charger coolant pump (it was a recall item), and the injectors on bank 2 that were covered since it wasn't changed under CCP. I drive my car daily and pretty hard. I change my oil every 6-7k miles and I can honestly see this car going another 30-40k with no major issues. Turbos and transmission probably might go following that but those are expected at such high mileage.
No warranty here, mainly because they don't offer one above 100k. But based on my experience, depending on the cost and length of the warranty, I'd rather put that money into a savings and use it for necessary repairs. That way if nothing goes wrong, I didn't waste $3800-$4500 |
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03-22-2017, 09:03 AM | #3 | |
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03-22-2017, 09:16 AM | #4 |
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Also if you mod; be weary of these aftermarket service contracts (people call them "warranty" but that's not what they are). The only true warranty you could get is from BMW themselves (the same one they offer to CPO). If it has an underlying company it's not a warranty. For example, some BMW dealers offer a service contract from Assurant Solutions, they are a known company for these Contracts aka "Warranties."
Assurant Solutions can deny covering the cost of a repair, due to rust, corrosion, or aftermarket parts. So if you have aftermarket wheels, springs, or coils, they can deny your claim. And the case that the Supreme Court decided on (The Magnuson-Moss Warranty Act) does not apply because it is not a "new car warranty" but a service contract. Read the fine print of these contracts and you see that most of them are a gamble. Google the BBB of these companies and you'll see that majority of them try to avoid paying for repairs at all costs, especially if you're a modder. The fate of your warranty will be based on the adjuster that comes to look at your car at the time of repair, hopefully he's a car enthusiast. Last edited by SLVSRFR; 03-22-2017 at 11:11 AM.. |
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03-22-2017, 09:39 AM | #5 |
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I have 2013 550i I had two times drive train malfunction other than that they couldn't find nothing wrong with car other than that No Problems. I bought warranty just in case you newer know, knowing parts are so expensive and labor.
I could take gamble and not buy it or get it and sleep better.
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03-22-2017, 10:10 AM | #6 | |
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I reviewed all the aftermarket companies that I was considering before making a decision - including customer reviews. A lot of the BBB complaints are unwarranted if you read the details. People would buy the cheapest coverage and would get mad that their part was not covered when it was specifically listed as "excluded" on the contract. People think as long as they buy any warranty, everything would be covered. Especially when it comes to our cars, you have to pay to play. If I have liability insurance and my car gets stolen, I have no reason to complain to the insurance company. |
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03-22-2017, 11:32 AM | #7 | |
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To reiterate, a Sevice contract is not a warranty. If the contract that you sign says they will not cover a car with aftermarket parts, they can LEGALLY deny the claim. Again, I'm not referring to the factory BMW warranty, I'm talking about these aftermarket contracts. They are not warranties, and therefore not covered under the warranty act. If you sign the contract saying that they won't cover your car if you modify its stock condition, then you are obligated IF they choose to deny the claim. To the OP: Bottom line, google "is an aftermarket warranty worth it" and you'll see many articles that argue against it due to the nature of these contracts. If you do decide to get one, have a lawyer look over the contract to make sure everything is good on your end. Here is an example of these velvet daggers that I'm referring to (I.e. Not limited to): Last edited by SLVSRFR; 03-22-2017 at 11:44 AM.. |
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03-22-2017, 12:28 PM | #8 |
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There are aftermarket warranties that are as legit as a BMW warranty. BMW can deny any claim due to aftermarket parts directly relating to the breakdown just like an aftermarket warranty company can.
What you highlighted above could be applicable to the BMW warranty as well. If you have oversized tires, they can deny your claim for suspension components because the suspension was not meant to handle that specific tire size. They can not deny a claim for the engine components due to "oversized tires" unless they can prove that the suspension caused the engine to fail. I think this is fairly common with all manufacturers warranties. It is illegal to deny a claim where the the aftermarket part did not directly contribute to the breakdown. If you have a JB4 and your radio stops working, they would have to prove that the JB4 caused the radio to malfunction. Last edited by AmooManiak; 03-22-2017 at 12:34 PM.. |
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03-22-2017, 12:53 PM | #9 | |
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BMW can't deny claim of a blown engine based on 3 piece 21" wheels with your FACTORY WARRANTY because there is no definite correlation on how wheels can cause an engine to blow. Which was decided by the Supreme Court with the Warranty Act. But an aftermarket service contract that states under your obligation of the contract, you agree to not alter the vehicle from its stock condition or the contract is void, is completely legal. Only if it's in the contract that you sign because a service contract is just an insurance policy and not covered under the Warranty Act. I don't see what's not to get here. It's pretty much in black and white under the law. Law Facts straight from the FTC (Federal Trade Commission): Look under Warranty Pieces. "Aftermarket warranties" by law, are defined as service contracts, not warranties: https://www.consumer.ftc.gov/articles/0252-warranties Here it's explained on why these contracts have a reputation to be shady: https://www.edmunds.com/auto-warrant...arranties.html Last edited by SLVSRFR; 03-22-2017 at 01:13 PM.. |
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03-22-2017, 01:17 PM | #10 |
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N63 or any other engine, it's a gamble, but so are most things in life.
Cars of all brands and ages brake down all the time, it's highly likely that at some point down the road expensive repair or two will come up. As we all know, nothing on these cars is cheap to replace or maintain. I think it's "pay now" or "pay later" type of decision. If you decide to keep it, just make sure you budget certain amount for repairs in the future, trading it in or buying additional warranty falls under "pay now" option. |
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03-22-2017, 01:31 PM | #11 | ||
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Back to the meaningful part of the conversion - what you're saying is not true. It may be the case with the ONE you looked at, but you're basing your findings on the ONE you looked at and are spreading false information. You should have done more research on other companies. From my aftermarket warranty (service contract to make you happy) V. EXCLUSIONS; PARTS AND SERVICES NOT COVERED. THE FOLLOWING ARE EXCLUDED BY OR NOT COVERED UNDER THIS EXTENDED SERVICE PROGRAM: B. ANY REPAIR IF A NON-AUTHORIZED PERFORMANCE PART OR EQUIPMENT DIRECTLY CAUSED OR CONTRIBUTED TO THE BREAKDOWN. Quote:
There has to be DIRECT CORRELATION between the two. At the end of the day it's a legally binding agreement between the consumer and the warranty (service contract) company. Unless they state "We reserve the right to deny any claim for no reason at any time", they are responsible for covering the repair unless they can prove that it's related to an aftermarket performance part. It doesn't even have to reference the Magnuson-Moss Warranty Act in this case. Again, you are scaring people away from getting an aftermarket warranty (service contract to make you happy.) Most of us on here have aftermarket wheels and I have never had an issue with an aftermarket warranty (service contract to make you happy) claim in my life. Last edited by AmooManiak; 03-22-2017 at 01:50 PM.. |
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03-22-2017, 01:52 PM | #12 | |
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A company that offers service contracts can deny a claim running oversized tires (21" wheels on a car that originally came with and was designed with 18's) and it has been done many times. In your case for example, if you put 21's on your car without getting it authorized by them, they can deny your claim. You bolded the wrong Keyword in your warranty excerpt that you posted: B. ANY REPAIR IF A NON-AUTHORIZED PERFORMANCE PART OR EQUIPMENT DIRECTLY CAUSED OR CONTRIBUTED TO THE BREAKDOWN. They have complete control of what they cover. /thread |
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03-22-2017, 02:09 PM | #13 | ||
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They have complete control of what they cover if it's DIRECTLY related to the breakdown. This is the same case with BMW. They can not deny the engine because of a wheel. Can you please give me ONE example where an engine part was not covered because of oversized tires. Just ONE? You say it's happened many times, so finding one should not be hard for you. I'm waiting... /Thread Last edited by AmooManiak; 03-22-2017 at 02:19 PM.. |
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03-22-2017, 02:19 PM | #14 | |
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03-22-2017, 02:24 PM | #15 | |
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Still waiting for that warranty claim denial where an engine part was not covered due to wheels... Last edited by AmooManiak; 03-22-2017 at 02:30 PM.. |
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03-22-2017, 02:38 PM | #16 | |
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Here's 1 they are all over the internet, especially BMW forums: Engine replacement from Rod Bearing failure denied due to 3-piece wheels http://www.m5board.com/vbulletin/e60...se-advice.html |
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03-22-2017, 02:45 PM | #17 | |
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Condition 1 - It's a non-authorized part. Condition 2 - It's DIRECTLY related to the failure If either of those conditions are not met, then it's a valid claim! |
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03-22-2017, 02:48 PM | #18 | |
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EDIT: Ok, just read the second page of that thread and it was not the wheels/tires that lead to the claim denial. This is what the OP says: "Here is the latest... Spoke to a supervisor at the warranty company, he explained the following reasons led to decision on denying the claim. I'll let you guys come to your own conclusion 1. The exhaust delete contributed to the rod bearing faillure b/c it relieves engine backpressure, giving more hp. I asked to please explain what evidence they used to arrive at that conclusion, but was only provided a general theoretical explanation of how exhausts work. 2. They have photos/video of my car (e.g.dyno, muffler delete vid) which leads them to believe the vehicle is 'driven hard' or 'abused'. 3. Future warranty claims would undergo the same scrutiny whether related or not related to my current mods. 4. I still have coverage as of now, have the option of cancelling and getting a pro rated refund. Fun stuff. I'll be getting a second opinion on the bearing issue from my indy mechanic as a next step to confirm the issue has been accurately diagnosed." |
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03-22-2017, 03:20 PM | #19 | |
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Last edited by SLVSRFR; 03-22-2017 at 04:10 PM.. |
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03-22-2017, 03:36 PM | #20 | |
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A performance exhaust can increase air flow, performance and COULD partially be responsible for rod bearing issues. That's not really hard to grasp. It's performing outside of factory parameters. Even if it's a 0.01% performance increase, they could argue that it's performing outside of the acceptable threshold. |
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03-22-2017, 03:45 PM | #21 | |
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https://www.magnaflow.com/support/fa...tory-warranty/ BMW cannot void your warranty due to an aftermarket section 3 exhaust. Thanks to the MMWA |
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03-22-2017, 03:57 PM | #22 |
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Real world tests tend to disagree with that statement.
http://www.camaro5.com/forums/showthread.php?t=34114 Also, I don't exactly expect Magnaflow to be against muffler modifications! They are saying that "Under the Magnuson Moss Warranty Act of 1975, 15 USC, 2302 and Clean Air Act 42 of USA code 7541, you have rights." What does that even mean? They're not specifically pointing to any rights pertaining to exhaust modifications that add power. If a car makes more power than it did when it's stock, it's working outside of the intended parameters. |
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