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Read the WELCOME ALL BMWFANATICS post.
Aftermarket motor-plan under-insuring me
- Thread starter VernonD
- Start date
VernonD
Member
Thanks all for the feedback. I chatted to Adele as well from Garage 808 like you guys indicated and she was really helpful. She and Colin indicated that the cover is under-insured so guess what....I emailed Wingfield Motors and said I was not satisfied and they offered me a better cover, but a bit pricier but with a top-up option if I want to. I attached the new cover specs and its for 2yrs/unlimited cover even though its a 2006 BMW.
Garage 808 did explain that for example the turbo is R5K less cover but its a bit better cover.
COMPONENTS COVERED
1.Engine R 60 000
2.Gearbox R 40,000
3. Differential R 30,000
4 Differential Lock R 15,000
5 Transaxle R 15,000
6 Transfer box R 15,000
7 Management System R 15,000
8 Turbo Assembly R 15,000
9 Front Wheel Drive Unit R 12,000
10 Casings R 10,500
11 Electronic Ignition R 10,500
12 Air Conditioner R 10,500
13 Cooling System R 10,500
14 Free Wheel Hubs R 7,000
15 CV Joints R 7,000
16 Propshaft & Couplings R 7,000
17 Steering Mechanism R 7,000
18 Braking System R 7,000
19 Fuel System R 7,000
20 Electronic Components R 7,000
21 Electrical Winch R 7,000
22 Clutch R 7,000
23 Suspension R 7,000
24 Wheel Bearings R 7,000
25 Catalytic Converter R 12,000
26 Overfueling R 12,000
27 Overheating R 12,000
28 Drive Pulleys R 7,000
29 Cambelt Failure R 7,000
30 Cylinder Head Gasket R 7,000
31 Viscous & Electrical Fans R 5,500
32 Central Locking R 5,500 R 3 000
33 Electrical Sunroof Motor R 5,500
34 Electric Mirrors R 3,500 R 2 000
35 GPS Navigation System R 4,000
36 Entertainment System R 4,000
37 Phone System R 4,000 R 2 500
38 Transponder Key R 2,500
39 Alarms & Immobiliser R 2,500
40 Install. Payment Protect R 2,500
COMPONENTS COVERED
(See Limits of Liability table)
1. Engine: All internal lubricated components.
2. Gearbox: (Manual / Automatic) All internal lubricated components. (Including torque converter and flex plate).
3. Differential: All internal lubricated components.
4. Differential Lock: All internal components.
5. Transaxle: All internal lubricated components.
6. Transfer Box: All internal components.
7. Management System: Engine and transmission management control units, crankshaft sensor, camshaft sensor and lambda (O2) sensor only.
8. Turbo Assembly: Original Manufacturer fitted turbo charger, intercooler and superchargers only.
9. Front Wheel Drive Unit: External driveshafts, couplings, hubs, bearings and drive flanges for 4x4 vehicles only.
10. Casings: Engine block, cylinder head, gearbox, differential, drive unit, inlet and exhaust manifolds are covered in the event of damage being
caused by the failure of a covered component.
11. Electronic Ignition: Distributor and coil packs.
12. Air Conditioner: Compressor only.
13. Cooling System: Water pump, welsh plugs, thermostat, thermo-switch and heater radiator only.
14. Free Wheel Hubs: Complete unit. (Applicable to 4x4 vehicles only).
15. CV Joints: Excluding dust covers and rubbers.
16. Propshafts and Couplings: U-joints and centre bearings.
17. Steering Mechanism: All internal components of steering box or steering rack. (Including power steering pump).
18. Braking System: Master cylinder, servo unit, wheel cylinders and ABS control unit and all sensors. Vacuum pump on diesel vehicles only.
(Excluding all friction materials).
19. Fuel System: Mechanical and electrical fuel pumps, fuel injection control, injectors and sensor units. (Excluding all calibration and serviceable
components and any incorrect or contaminated fuel).
20. Electrical Components: Alternator, starter motor, front and rear windscreen wiper motors and electric window motors, electric seat motors.
21. Electrical Winch: Electric motor only. (Applicable to 4x4 vehicles only).
22. Clutch: Clutch plate, pressure plate, clutch cable, clutch fork, master and slave cylinder, re-lease bearing, pilot bearing and flywheel are
covered against mechanical failure only.
23. Suspension: Upper and lower wishbones with associated ball joints, bushes and springs are covered against mechanical failure only.
24. Wheel Bearings: All wheel bearings are covered.
25. Catalytic Converter: Catalytic Converter only.
26. Overfueling: Engine failure as a result of overfueling.
27. Overheating: Breakdown as a result of overheating.
28. Drive Pulleys: Crankshaft, camshaft, tensioners, and jockey pulleys are covered in the event of mechanical failure.
29. Cambelt Failure: Cambelt and tensioner. (Excluding routine maintenance).
30. Cylinder Head Gaskets: Cylinder Head Gasket only.
31. Viscous and Electric Fans: Engine cooling only.
32. Central Locking: Pump and door actuator only.
33. Electric Sunroof Motors and Convertible Roof Motors: Original Manufacturer fitted units only.
34. Electric Mirrors: Motor only.
35. GPS Navigation System: Navigation display unit, navigation control module and navigation system wiring harness. (Applicable only to factory
fitted units).
36. Entertainment System: LCD screen (10’ or less) RF modulator, digital video disc player, compact disc player and power converter. (Applicable
only to original Manufacturer fitted units).
37. Phone System: Charger, cradle, microphone and speakers. (Applicable only to original Manufacture fitted units).
38. Transponder Key: Original Manufacturer fitted unit only and functional failure only.
39. Alarms and Immobilisers: Original Manufacturer fitted units only.
40. Instalment Payment Protection: Should repairs be delayed for 14 days or more, including public holidays and weekends, from the date of
claim authorisation, as a result of parts not being available, the Administrator will reimburse you for that portion of the monthly installment for
which the vehicle repairs were delayed.
The cover is R17 495 with the new cover. What do you guys think as I am thinking that I would rather prefer the motorplan as going without it is a risk for me as I am driving quite a lot. I also checked out Motorite but they dont cover everything like Wingfield Motors.
Garage 808 did explain that for example the turbo is R5K less cover but its a bit better cover.
COMPONENTS COVERED
1.Engine R 60 000
2.Gearbox R 40,000
3. Differential R 30,000
4 Differential Lock R 15,000
5 Transaxle R 15,000
6 Transfer box R 15,000
7 Management System R 15,000
8 Turbo Assembly R 15,000
9 Front Wheel Drive Unit R 12,000
10 Casings R 10,500
11 Electronic Ignition R 10,500
12 Air Conditioner R 10,500
13 Cooling System R 10,500
14 Free Wheel Hubs R 7,000
15 CV Joints R 7,000
16 Propshaft & Couplings R 7,000
17 Steering Mechanism R 7,000
18 Braking System R 7,000
19 Fuel System R 7,000
20 Electronic Components R 7,000
21 Electrical Winch R 7,000
22 Clutch R 7,000
23 Suspension R 7,000
24 Wheel Bearings R 7,000
25 Catalytic Converter R 12,000
26 Overfueling R 12,000
27 Overheating R 12,000
28 Drive Pulleys R 7,000
29 Cambelt Failure R 7,000
30 Cylinder Head Gasket R 7,000
31 Viscous & Electrical Fans R 5,500
32 Central Locking R 5,500 R 3 000
33 Electrical Sunroof Motor R 5,500
34 Electric Mirrors R 3,500 R 2 000
35 GPS Navigation System R 4,000
36 Entertainment System R 4,000
37 Phone System R 4,000 R 2 500
38 Transponder Key R 2,500
39 Alarms & Immobiliser R 2,500
40 Install. Payment Protect R 2,500
COMPONENTS COVERED
(See Limits of Liability table)
1. Engine: All internal lubricated components.
2. Gearbox: (Manual / Automatic) All internal lubricated components. (Including torque converter and flex plate).
3. Differential: All internal lubricated components.
4. Differential Lock: All internal components.
5. Transaxle: All internal lubricated components.
6. Transfer Box: All internal components.
7. Management System: Engine and transmission management control units, crankshaft sensor, camshaft sensor and lambda (O2) sensor only.
8. Turbo Assembly: Original Manufacturer fitted turbo charger, intercooler and superchargers only.
9. Front Wheel Drive Unit: External driveshafts, couplings, hubs, bearings and drive flanges for 4x4 vehicles only.
10. Casings: Engine block, cylinder head, gearbox, differential, drive unit, inlet and exhaust manifolds are covered in the event of damage being
caused by the failure of a covered component.
11. Electronic Ignition: Distributor and coil packs.
12. Air Conditioner: Compressor only.
13. Cooling System: Water pump, welsh plugs, thermostat, thermo-switch and heater radiator only.
14. Free Wheel Hubs: Complete unit. (Applicable to 4x4 vehicles only).
15. CV Joints: Excluding dust covers and rubbers.
16. Propshafts and Couplings: U-joints and centre bearings.
17. Steering Mechanism: All internal components of steering box or steering rack. (Including power steering pump).
18. Braking System: Master cylinder, servo unit, wheel cylinders and ABS control unit and all sensors. Vacuum pump on diesel vehicles only.
(Excluding all friction materials).
19. Fuel System: Mechanical and electrical fuel pumps, fuel injection control, injectors and sensor units. (Excluding all calibration and serviceable
components and any incorrect or contaminated fuel).
20. Electrical Components: Alternator, starter motor, front and rear windscreen wiper motors and electric window motors, electric seat motors.
21. Electrical Winch: Electric motor only. (Applicable to 4x4 vehicles only).
22. Clutch: Clutch plate, pressure plate, clutch cable, clutch fork, master and slave cylinder, re-lease bearing, pilot bearing and flywheel are
covered against mechanical failure only.
23. Suspension: Upper and lower wishbones with associated ball joints, bushes and springs are covered against mechanical failure only.
24. Wheel Bearings: All wheel bearings are covered.
25. Catalytic Converter: Catalytic Converter only.
26. Overfueling: Engine failure as a result of overfueling.
27. Overheating: Breakdown as a result of overheating.
28. Drive Pulleys: Crankshaft, camshaft, tensioners, and jockey pulleys are covered in the event of mechanical failure.
29. Cambelt Failure: Cambelt and tensioner. (Excluding routine maintenance).
30. Cylinder Head Gaskets: Cylinder Head Gasket only.
31. Viscous and Electric Fans: Engine cooling only.
32. Central Locking: Pump and door actuator only.
33. Electric Sunroof Motors and Convertible Roof Motors: Original Manufacturer fitted units only.
34. Electric Mirrors: Motor only.
35. GPS Navigation System: Navigation display unit, navigation control module and navigation system wiring harness. (Applicable only to factory
fitted units).
36. Entertainment System: LCD screen (10’ or less) RF modulator, digital video disc player, compact disc player and power converter. (Applicable
only to original Manufacturer fitted units).
37. Phone System: Charger, cradle, microphone and speakers. (Applicable only to original Manufacture fitted units).
38. Transponder Key: Original Manufacturer fitted unit only and functional failure only.
39. Alarms and Immobilisers: Original Manufacturer fitted units only.
40. Instalment Payment Protection: Should repairs be delayed for 14 days or more, including public holidays and weekends, from the date of
claim authorisation, as a result of parts not being available, the Administrator will reimburse you for that portion of the monthly installment for
which the vehicle repairs were delayed.
The cover is R17 495 with the new cover. What do you guys think as I am thinking that I would rather prefer the motorplan as going without it is a risk for me as I am driving quite a lot. I also checked out Motorite but they dont cover everything like Wingfield Motors.
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