If I were to purchase the 10 year plan and sell the car at year 8 (as I understand, the contract is transferable), would the 2 year VSC balance be worth the additional $1000 cost for resale value?
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05-02-2026LAST POST
If I were to purchase the 10 year plan and sell the car at year 8 (as I understand, the contract is transferable), would the 2 year VSC balance be worth the additional $1000 cost for resale value?
CL305 wroteLooking forward to the real experts here but as a buyer and costs associated with an 8+ year old BMW I would think the resale would be easily over 1k with that warrantyI take PCD delivery of my X5 next week, and have been working with Cody’s team on a VSC plan. I plan to keep the car long term (7-10 years). They’ve presented two different options for my needs. In short, there’s a $1000 difference between the 8/80k and 10/100k Fidelity Platinum plans.
If I were to purchase the 10 year plan and sell the car at year 8 (as I understand, the contract is transferable), would the 2 year VSC balance be worth the additional $1000 cost for resale value?
congrats on the new ride!
CL305 wroteI would say that it would GREATLY improve the resale value as I would absolutely rather buy a used bmw w/ a platinum warranty still on it then one without. It will be more marketable to a used car buyer.I take PCD delivery of my X5 next week, and have been working with Cody’s team on a VSC plan. I plan to keep the car long term (7-10 years). They’ve presented two different options for my needs. In short, there’s a $1000 difference between the 8/80k and 10/100k Fidelity Platinum plans.
If I were to purchase the 10 year plan and sell the car at year 8 (as I understand, the contract is transferable), would the 2 year VSC balance be worth the additional $1000 cost for resale value?
CL305 wroteI am not sure how Fidelity works, but if you go with the BMW VSC - it may or may not help your resale value. With my BMW plan, I can transfer it to a private buyer, but if I trade it in at a dealer or Carmax, the VSC does not transfer. I have to pay a small fee ($50) to transfer it to the new private buyer.I take PCD delivery of my X5 next week, and have been working with Cody’s team on a VSC plan. I plan to keep the car long term (7-10 years). They’ve presented two different options for my needs. In short, there’s a $1000 difference between the 8/80k and 10/100k Fidelity Platinum plans.
If I were to purchase the 10 year plan and sell the car at year 8 (as I understand, the contract is transferable), would the 2 year VSC balance be worth the additional $1000 cost for resale value?
Also, this VSC was one I bought 8 months ago. BMW has since changed the plan, so this part may have changed too.
Neo1010 wroteIn my opinion the only possible bump to resale value would be if one sells to a private party and transfers the warranty. If it's traded at or sold to a dealer all bets are off.I would say that it would GREATLY improve the resale value as I would absolutely rather buy a used bmw w/ a platinum warranty still on it then one without. It will be more marketable to a used car buyer.
LDT wroteIf you don't sell to a private party both plans have a pro-rated refund option so you can get the 2 years refunded to you.In my opinion the only possible bump to resale value would be if one sells to a private party and transfers the warranty. If it's traded at or sold to a dealer all bets are off.
LDT wroteAnd if you sell private you lose the tax advantage of the trade in, at least in NJIn my opinion the only possible bump to resale value would be if one sells to a private party and transfers the warranty. If it's traded at or sold to a dealer all bets are off.
CL305 I would get the 10 Year / 100k mile plan for the extra $1k all day long. As 
Neo1010 mentioned you can always get a prorated amount back at any point during the contract period if you cancel it. And if you sell to private party, I would *absolutely* (as the buyer) pay an extra $1k to have coverage during Years 8, 9 & 10 9 (or even just 9 & 10). I believe there is a $50 cancellation fee, and $40 transfer fee, but those are minimal. Just my two cents. Make the decision you feel is best for you, by all means!
White340 They can be cancelled at any point for a prorated refund. So whether you decide to cancel after purchase because you no longer want the coverage, or the car has been deemed a total loss, you would receive a refund for any time remaining on the contract after notifying the servicing party.
XDrive_Girl wrotePro-ration is based off of time or mileage, whichever is used most, also claims payouts are being deducted from pro-rations, another one of those changes that came in 2025.
Trenton O. Gibson
tgibson@highline-autos.com
Highline Autos
Direct: 602.909.9216
Office: 480.348.0777
Highline-Autos.com wroteThanks, that’s for fidelity warranties as well?Pro-ration is based off of time or mileage, whichever is used most, also claims payouts are being deducted from pro-rations, another one of those changes that came in 2025.
Trenton O. Gibson
tgibson@highline-autos.com
Highline Autos
Direct: 602.909.9216
Office: 480.348.0777
White340 wroteCorrect, this is for Fidelity Warranty coverage administered post January 1st 2025.Thanks, that’s for fidelity warranties as well?
Trenton O. Gibson
tgibson@highline-autos.com
Highline Autos
Direct: 602.909.9216
Office: 480.348.0777
Highline-Autos.com wrotePro-ration is based off of time or mileage, whichever is used most, also claims payouts are being deducted from pro-rations, another one of those changes that came in 2025.
Trenton O. Gibson
tgibson@highline-autos.com
Highline Autos
Direct: 602.909.9216
Office: 480.348.0777
White340 Late to the party in replying! Very good point made here by 
Highline-Autos.com.I was more so thinking of someone cancelling in a "buyer's remorse" situation within a few weeks, months, or even a few years of buying it because they hadn't used it / weren't sold on its value. But if I started having covered repair work done, I'd think, "Wow, good thing I have this plan" and wouldn't really see the value in cancelling at that point. So the claims being deducted doesn't seem too unreasonable; once claims started to be paid out, the value of keeping it would likely outweigh the benefit of any possible refunds for peace of mind. But, I'm also on team play-it-safe when it comes to insuring things.
There's a State Amendments section in the Fidelity VSC that talks about the Claims deduction (and since Galleria BMW is in Mississippi, it would apply!). So that is something to keep in mind; if you have the VSC and use it, your refund would be different than if you had cancelled out of buyer's remorse and hadn't used it.
