Aftermarket Warranties ????

[ShaunAshley]

Hi Guys,

I am sure this has been brought up before, but just want to hear your guys experiences.

In the past i used MSure and paid upfront 16k for 2 year warranty, there cover was good and i did claim a few times.

I received a good quote from AA Warranties for around R400 a month (Silver Option), even covers injectors and my convertible roof. (E93 335i)

Any advice or better options out there?
Thanks guys

 

[Dees_13]

I've taken a warranty with AA. Havent tried claiming as yet. I am on the titanium cover. I can claim up R100 000 per claim. Unlimited claims

 

[individj]

so are you saying that if you require R120 000 on your engine you can claim R100 000! what is the instalment or once off payment?

 

[akash]

I have always maintained that people should be very careful with these warranties. Especially the clause around Wear and Tear. Some of these warranties tend to use this clause when there is a claim that needs too be paid.

 

[ShaunAshley]

I had one with Msure, when i had an Audi, my control arm went and they paid about 80% of it. But ive heard for a month to month warranty, AA is the best?

 

[Dees_13]

so are you saying that if you require R120 000 on your engine you can claim R100 000! what is the instalment or once off payment?

That's what was explained to me. And can make multiple claims. Just not more than R100k a claim. I'm paying + - R710 a month

---

so are you saying that if you require R120 000 on your engine you can claim R100 000! what is the instalment or once off payment?

That's what was explained to me. And can make multiple claims. Just not more than R100k a claim. I'm paying + - R710 a month

 

[ShaunAshley]

Thanks for the advice, i was quoted R395 a month and can claim up to R20 000 at a time, from AA Warranties

 

[Ironman15]

I have seen this on their website, the cover is based on the age of the vehicle and the mileage.

 

[PsyCLown]

I am currently with M-sure, they've been alright.

Curious to see if there is a better aftermarket warranty available though.

 

[ShaunAshley]

I actually did not take the warranty because even though the salesman said so, the convertible roof is not covered. So i am still searching for one that does.

 

[Rotinaj]

I actually did not take the warranty because even though the salesman said so, the convertible roof is not covered. So i am still searching for one that does.

I don't think you will. Seen plenty of them over the years most don't cover that.

 

[MR_Y]

Resesurcting this thread again, given that I have recently started my inquires into these warranties for when my Volvo gets out of Plan.

I found that M-Sure (previously, SA Warranties) could only offer me very limited claim limits (eg. R30k on engine), given that my car is more than 3 years old and falls out of their Unlimited warranty policy.

AA Warranty, on the other hand, can offer me R100k max per claim. I was very happy with their detailed Ts and Cs. If your car is under 5 years old (at the time of starting the policy), you qualify for this policy (Double Up Titanium). If your car is older, there are other options available. The cost works out to R781pm and it seems that my quoted cover will not be degraded as my car ages, subject to an ultimate age and mileage cap (250,000km, 12 years).

The only catch with AA is the pay in for the 1st 3 months. If you claim in month 1, they only cover 50%, if you claim in month 2 then 75% and so on. Also, they are reluctant for you to sign up with them if your car is still under manufacturer Plan/warranty - something to do with being double insured being a problem.

The full AA premium roadside benefit is included with the policy, including emergency car hire and accomodation if you cannot complete your journey after a breakdown. The main difference from normal AA cover, being that here they cover the car not the individual.

I still have some time to go before making my decision, so also assessing other aftermarket warranties. In the meantime, AA seems to be best suited to my needs.

 

[70007]

Resesurcting this thread again, given that I have recently started my inquires into these warranties for when my Volvo gets out of Plan.

I found that M-Sure (previously, SA Warranties) could only offer me very limited claim limits (eg. R30k on engine), given that my car is more than 3 years old and falls out of their Unlimited warranty policy.

AA Warranty, on the other hand, can offer me R100k max per claim. I was very happy with their detailed Ts and Cs. If your car is under 5 years old (at the time of starting the policy), you qualify for this policy (Double Up Titanium). If your car is older, there are other options available. The cost works out to R781pm and it seems that my quoted cover will not be degraded as my car ages, subject to an ultimate age and mileage cap (250,000km, 12 years).

The only catch with AA is the pay in for the 1st 3 months. If you claim in month 1, they only cover 50%, if you claim in month 2 then 75% and so on. Also, they are reluctant for you to sign up with them if your car is still under manufacturer Plan/warranty - something to do with being double insured being a problem.

The full AA premium roadside benefit is included with the policy, including emergency car hire and accomodation if you cannot complete your journey after a breakdown. The main difference from normal AA cover, being that here they cover the car not the individual.

I still have some time to go before making my decision, so also assessing other aftermarket warranties. In the meantime, AA seems to be best suited to my needs.

I’ll follow this thread since I’m in the same boat as you. My X5’s plan also expires end October


Sent from my iPhone using Tapatalk

 

[Cally77]

Resesurcting this thread again, given that I have recently started my inquires into these warranties for when my Volvo gets out of Plan.

I found that M-Sure (previously, SA Warranties) could only offer me very limited claim limits (eg. R30k on engine), given that my car is more than 3 years old and falls out of their Unlimited warranty policy.

AA Warranty, on the other hand, can offer me R100k max per claim. I was very happy with their detailed Ts and Cs. If your car is under 5 years old (at the time of starting the policy), you qualify for this policy (Double Up Titanium). If your car is older, there are other options available. The cost works out to R781pm and it seems that my quoted cover will not be degraded as my car ages, subject to an ultimate age and mileage cap (250,000km, 12 years).

The only catch with AA is the pay in for the 1st 3 months. If you claim in month 1, they only cover 50%, if you claim in month 2 then 75% and so on. Also, they are reluctant for you to sign up with them if your car is still under manufacturer Plan/warranty - something to do with being double insured being a problem.

The full AA premium roadside benefit is included with the policy, including emergency car hire and accomodation if you cannot complete your journey after a breakdown. The main difference from normal AA cover, being that here they cover the car not the individual.

I still have some time to go before making my decision, so also assessing other aftermarket warranties. In the meantime, AA seems to be best suited to my needs.

AA seems to be a convincing one. I was offered one called Traficc, on my XC60 (6 years old)underwritten by Guardrisk. You can check it as well. Engine is covered for 100k on Option "Power Torque 10000" and gearbox for 75k. Haven't claimed yet though so i cant say if they good or not.

 

[MR_Y]

AA seems to be a convincing one. I was offered one called Traficc, on my XC60 (6 years old)underwritten by Guardrisk. You can check it as well. Engine is covered for 100k on Option "Power Torque 10000" and gearbox for 75k. Haven't claimed yet though so i cant say if they good or not.

Thanks.
Is that warranty a once off premium payment or can you pay it monthly for month-to-month cover?
Also, if you sell the car, can you claim back the remaining period's premium (assuming you paid a lump sum upfront)?
Since my wife may want to replace this car next year (assuming a good deal comes through), I am more happy with month-to-month cover, so I am not locked into a long term contract.

 

[MR_Y]

I have always maintained that people should be very careful with these warranties. Especially the clause around Wear and Tear. Some of these warranties tend to use this clause when there is a claim that needs too be paid.

Agree. The AA policy wording is the most transparent from what I saw and they fully specify all the parts covered. Feedback from a friend who has AA has been positive. I guess the proof of the pudding is in the eating (when one makes a big claim).

 

[Cally77]

Thanks.
Is that warranty a once off premium payment or can you pay it monthly for month-to-month cover?
Also, if you sell the car, can you claim back the remaining period's premium (assuming you paid a lump sum upfront)?
Since my wife may want to replace this car next year (assuming a good deal comes through), I am more happy with month-to-month cover, so I am not locked into a long term contract.

I think you can opt for a month to month one, otherwise you might loose on once off when selling the car in near future. Best you enquire with them bud. Can forward thier contact or goggle them, worth a looksie otherwise AA is way to go.

 

[Cally77]

I think you can opt for a month to month one, otherwise you might loose on once off when selling the car in near future. Best you enquire with them bud. Can forward thier contact or goggle them, worth a looksie otherwise AA is way to go.

...My payment was included in the contract...

 

[MR_Y]

After reading Hellopeter.com, it seems that no warranty is perfect.
Will do some more research on the options available from all the main providers.
Another option would be to find a trusty aftermaket workshop who would rather fix/repair issues (within reason) rather than replacing complete parts. This would minimise some of the costs and may be more easy on one's wallet.
You pays your money...

Update - the devil is in the detail:
After reading the M-Sure and AA policies back to back, I picked up an important detail.
M-Sure explicitly states that they do cover warranty items (as per their schedule), that are subject to wear-and-tear. Also, they will cover resultant loss on a warrantied part, if an issue that caused the failure emanated from an un-warrantied part. The AA policy excludes both these scenarios.
So, M-Sure, theoretically, would be more likely to approve warranty claims, in general, compared to AA.
On the flip side, the AA offer much greater cover. But, I guess that is worthless if they are unlikely to honour the claims due to wear-and-tear argument.

 

[Cally77]

After reading Hellopeter.com, it seems that no warranty is perfect.
Will do some more research on the options available from all the main providers.
Another option would be to find a trusty aftermaket workshop who would rather fix/repair issues (within reason) rather than replacing complete parts. This would minimise some of the costs and may be more easy on one's wallet.
You pays your money...

Update - the devil is in the detail:
After reading the M-Sure and AA policies back to back, I picked up an important detail.
M-Sure explicitly states that they do cover warranty items (as per their schedule), that are subject to wear-and-tear. Also, they will cover resultant loss on a warrantied part, if an issue that caused the failure emanated from an un-warrantied part. The AA policy excludes both these scenarios.
So, M-Sure, theoretically, would be more likely to approve warranty claims, in general, compared to AA.
On the flip side, the AA offer much greater cover. But, I guess that is worthless if they are unlikely to honour the claims due to wear-and-tear argument.

That's true. I previously used M-sure. Even though they never rejected my claims (3), they also never paid full amount and I paid the difference, so it all depends on weight of a claim I guess.. hope you find a good one..