XDrive_Girl wrote

After having first-hand experience this week, if you’re looking for a quote on a VSC or UC+ plan, I'd highly recommend:

Cody Bowman @ Galleria BMW: cody.bowman@galleriabmw.com (I worked with Cody on a 10 year / 100k mile Fidelity Platinum VSC plan).

Christine Newman @ BMW of Camarillo: vipfinance@bmwofcamarillo.com (I worked with Christine on UC+4).

1,000% most Stealerships are outrageous in what there charging for these plans as they are pure profit to them. Cody was the "Find" of the year for me when I came across him early January. Best pricing I found by far, upfront, no nonsense and gets right back to you..... Pretty much everything you DONT expect to find from a Dealership Finance Manager!

TurtleBoy wrote

If you want or need to go third-party then I would recommend going with Trenton at Highline-Autos.com tgibson@highline-autos.com, he has provided great pricing and service to many of our members.

bosjt wrote

I see there are many extended warranty options from many providers, wow.

Just picked up my factory order X5 x40i and have until Saturday to call back if I want to add a Zurich 10 year VSC that the business manager says covers everything inside and out, including, he said bushings and struts which I know BMW considered wear items and are therefore not covered in the BMW warranty products.

It has that "disappearing deductable" which I think means: if you need work on a trip and there is no BMW dealer around, its $100 deductable. If you are on a trip and you bring it to any BMW dealer it might by $100 deductable but sometimes they don't charge it. If you bring it to your original dealer there is $0 deductable.

He quoted these prices (all are 10 year)
85,000mi - $6,504
100,000mi - $8935
120,000mi - $9,804

I drove my 2014 328d for 12 years and 91,000mi so I was thinking about the 10yr/85k VSC @ $8,935 since at a minimum I'll surely need struts or some suspension work by then.

My X5 is fully optioned up does this seem like a reasonable price for 10 year coverage?

bosjt

bosjt wrote

I see there are many extended warranty options from many providers, wow.

Just picked up my factory order X5 x40i and have until Saturday to call back if I want to add a Zurich 10 year VSC that the business manager says covers everything inside and out, including, he said bushings and struts which I know BMW considered wear items and are therefore not covered in the BMW warranty products.

It has that "disappearing deductable" which I think means: if you need work on a trip and there is no BMW dealer around, its $100 deductable. If you are on a trip and you bring it to any BMW dealer it might by $100 deductable but sometimes they don't charge it. If you bring it to your original dealer there is $0 deductable.

He quoted these prices (all are 10 year)
85,000mi - $6,504
100,000mi - $8935
120,000mi - $9,804

I drove my 2014 328d for 12 years and 91,000mi so I was thinking about the 10yr/85k VSC @ $8,935 since at a minimum I'll surely need struts or some suspension work by then.

My X5 is fully optioned up does this seem like a reasonable price for 10 year coverage?

GOLFFRR

Highline-Autos.com

bosjt wrote

Just picked up my factory order X5 x40i and have until Saturday to call back if I want to add a Zurich 10 year VSC that the business manager says covers everything inside and out.

bosjt wrote

I see there are many extended warranty options from many providers, wow.

Just picked up my factory order X5 x40i and have until Saturday to call back if I want to add a Zurich 10 year VSC that the business manager says covers everything inside and out, including, he said bushings and struts which I know BMW considered wear items and are therefore not covered in the BMW warranty products.

It has that "disappearing deductable" which I think means: if you need work on a trip and there is no BMW dealer around, its $100 deductable. If you are on a trip and you bring it to any BMW dealer it might by $100 deductable but sometimes they don't charge it. If you bring it to your original dealer there is $0 deductable.

He quoted these prices (all are 10 year)
85,000mi - $6,504
100,000mi - $8935
120,000mi - $9,804

I drove my 2014 328d for 12 years and 91,000mi so I was thinking about the 10yr/85k VSC @ $8,935 since at a minimum I'll surely need struts or some suspension work by then.

My X5 is fully optioned up does this seem like a reasonable price for 10 year coverage?

bosjt wrote

I see there are many extended warranty options from many providers, wow.

He quoted these prices (all are 10 year)
85,000mi - $6,504
100,000mi - $8935
120,000mi - $9,804



Make sure to get the same quotes from Cody. I know Zurich is a highly rated 3rd party company however Fidelity Platinum is also rated highly from my own research. Zurich tends to be a bit more expensive before the selling dealer marks up the plan. Email Cody and ask him to give you the price for 10 years and similar Deductible for the Fidelity Platinum plan. Compare the two prices and read both contracts fine print. Pick what works best for you. On my m60i I was offered up to a 12 year plan for a pretty low amount. I would also think that a plan would be less on a X5 40i then on my M60i. I'm willing to say that the quote from Cody could be thousands less.

Also, what your dealer said that you have until Saturday is PURE GARBAGE, nothing but a high pressure sales tactic. It's laughable that they even said that to you!

Neo1010 wrote

Also, what your dealer said that you have until Saturday is PURE GARBAGE, nothing but a high pressure sales tactic. It's laughable that they even said that to you!

TurtleBoy wrote

Not sure that is the case. They may be holding the loan paperwork until he decides whether he wants it or not so that the cost can be rolled into the loan.

TurtleBoy wrote

...They may be holding the loan paperwork ...

bosjt wrote

No it was a cash purchase (with military discount!) but he said the Zurich pricing was for new vehicle only and qualified only if its included when he submits the paperwork for my vehicle which was delivered earlier this week.

bosjt wrote

No it was a cash purchase (with military discount!) but he said the Zurich pricing was for new vehicle only and qualified only if its included when he submits the paperwork for my vehicle which was delivered earlier this week.

Neo1010

bosjt wrote

No it was a cash purchase (with military discount!) but he said the Zurich pricing was for new vehicle only and qualified only if its included when he submits the paperwork for my vehicle which was delivered earlier this week.

bosjt

bosjt wrote

Thank you everyone for the idea of reaching out to the BMW dealers earlier in this thread to get a quote on the Fidelity package. I'll share what I learned so far after getting a quote and calling my local European Repair shop.

Fidelity 10 year Platinum:
100K mi./$100 deductable - $5,850
100K mi./$250 deductable - $4,650

Zurich 10 year (premium w/seals and gaskets / with wear and tear)
85K mi/$100 deductable - $6,504
100K mi/$100 deductable - $8,935


The repair shop said be sure to clarify if seals and gaskets and wear and tear are covered or there may be problems with control arm bushings or leaking transfer case, etc.

I see the Zurich has that and not sure yet about the Fidelity.

Repair shop said they have had good experiences with Fidelity, CNA, Allstate but specifically mentioned the few times they had a customer with Zurich come in that they were held on the line for over an hour which they really don't like. Interesting!

If Fidelity covers gaskets/seals/wear-and-tear I think the $250 deductable 10yr/100k seems like very good peace mind at $4,650.

Artdnj wrote

Is this coverage specific to a new veh?

bosjt wrote

The Zurich numbers I quoted are for a New Vehicle only (per the business manager) . I don't think they offer it for used vehicles (that's what my dealer told me... they offer something else for pre-owned vehicles).

The Fidelity numbers I got quoted I'm not sure yet how long they are good for as I drive it. I'm going to ask.

The Zurich contract also said "this is not insurance and is not subject to insurance laws". I know in Massachusetts there is a law that says these things must be considered warranty and not insurance, though I have no idea what that means or why it matters.

If anyone has the Fidelity Platinum 10yr VSC, can you tell me if you ever had a sucessful claim for leaking seals and gaskets or wear and tear items. The BMW guy told me they won't fix a leaking seal or gasket... they will only fix it if it failed. I don't know how one decides it failed other than its leaking?

bosjt

bosjt wrote

The Zurich numbers I quoted are for a New Vehicle only (per the business manager) . I don't think they offer it for used vehicles (that's what my dealer told me... they offer something else for pre-owned vehicles).

The Fidelity numbers I got quoted I'm not sure yet how long they are good for as I drive it. I'm going to ask.

The Zurich contract also said "this is not insurance and is not subject to insurance laws". I know in Massachusetts there is a law that says these things must be considered warranty and not insurance, though I have no idea what that means or why it matters.

If anyone has the Fidelity Platinum 10yr VSC, can you tell me if you ever had a sucessful claim for leaking seals and gaskets or wear and tear items. The BMW guy told me they won't fix a leaking seal or gasket... they will only fix it if it failed. I don't know how one decides it failed other than its leaking?