Member Since: 23 Aug 2013
Location: Hereford
Posts: 1429
Warranty Direct renewal - downgrade form Luxury to ExtraCare
Afternoon folks,
Warranty direct are offering me a renewal which is a downgrade from LuxuryCare I was on to ExtraCare due to age and mileage.
2009 MY58 D3 HSE
77k
Betterment removed
12k mileage limit
£200 labour
13 months for 12
£900 pa or £225 quarterly.
This is exactly what i was paying last year except they will now only do ExtraCare, does this seem a decent price and what am i missing from luxury care (without getting a magnifying glass over the small print)?
£200 is a lot for labour but my main dealer charge £130 an hour so the lower limit won't cover it.
9th Jan 2017 3:58 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73133
Is 12k Miles enough? It can be upped foc I think. Plus how long are you going to keep the car/want to keep warranty on it? Took out a 3 year WD policy on my D4 (Extra Care) as got a good rate (£656 a year equiv), incl hifi cover, no betterment, airbags & emissions, dealer rates, 25k miles per year (I think but doubt I'll do 10k), plus what i'I've forgotten.
9th Jan 2017 4:04 pm
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14487
Get an AA breakdown policy that covers repairs. I think it does up to £500 per event - parts and labour. It was a very hassle free and painless excercise when I had my alternator fail on the way to France.
Its significantly cheaper than a warranty and any savings you make from the warranty can be put into your repair pot. I suspect You'll be quids in. D4 HSE EU6 (Known as Jeeves)
New Defender L663 110 SE (known as Noddy!) Sold
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
9th Jan 2017 4:04 pm
adam
Member Since: 20 Sep 2005
Location: Home and Happy
Posts: 6917
Moo - I used to do exactly what you propose, but changed my mind a few weeks a go following the engine horror stories - I may be paranoid, but at least I've got some comeback other than £500 (though I suspect there would be multiple loops I'd need to jump thorough if the nightmare occurs)
9th Jan 2017 4:09 pm
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14487
I'm out of the warranty loop anyway at 200k+ but I did one year extra after the LR warranty ran out and just put any warranty savings into a pot. So far eight years later, it has about £7500 in it so I'm quids in, but then I look after it well and I have been blessed by the gods for its reliability. D4 HSE EU6 (Known as Jeeves)
New Defender L663 110 SE (known as Noddy!) Sold
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
9th Jan 2017 4:20 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73133
Flip side, had Tesco cover for a couple of years and 5 years of WD cover and never claimed less than paid in premiums. Well in pocket, by several grand, being not blessed by the reliability gods.
9th Jan 2017 4:24 pm
Dusty
Member Since: 23 Sep 2013
Location: London
Posts: 1022
I had the AA breakdown cover on my P38 many moons ago. The infamous BECM started playing up and I lost the use of the headlights. I used my initiative and saved time and money for the AA by driving to my local Indy during day light hours rather than wait for a tow truck. By doing so I shot myself in the foot by showing that the car was still drive-able. I argued that this would not be possible during the hours of darkness, but they were having none of it and didn't pay up. Quite annoying as the repair bill came to £550 which I had to sort myself.
I'm sure it has it's place, just don't make the same mistake as me when you try and claim Discovery 4 HSE
SDV6
2015
9th Jan 2017 4:28 pm
DiscoJake
Member Since: 23 Aug 2013
Location: Hereford
Posts: 1429
Ok ive had WD cover for 3 years now and i wouldn't be without it. I'm well in the black despite land rover themselves covering the last breakdown which was fuel pump tensioner (do change this with your cam belt as mine needed body off to fix the damaged caused by flailing belt!)
So I've established I'm goimg to take up their renewal offer just need to know if I'm having my pants pulled down or is there some room.to negotiate more please
10th Jan 2017 12:05 am
fisherman
Member Since: 16 Jan 2007
Location: Hornchurch Essex
Posts: 1789
I used to have a pot that I paid a regular amount into to cover repairs but the recent crankshaft stories and tales of £20k repair bills was enough for me to buy a three year Extracare WD warranty. I paid £2k for three years with betterment removed and Airbag/Emissions included. It will also give me and the next owner a bit of peace of mind when and if I sell it. My pot was up to nearly £400 after I'd paid for servicing, brakes and tyres! I also have the AA cover with the first £500 paid and Green Flag for continental journeys with the caravan. I think the term overinsured could be used here. Not that I have no confidence as I've only really had a suspension compressor in ten years of ownership.FFRR 2017 4.4SDV8 Autobiography. Cost so much I must be mad!
D4 HSE 2012 Like a second wife, more expensive but goes better! I almost cried this time!
D3 HSE 2006 (Almost 8 years together, true love)
Land Cruiser VX 1994 11 years together, wife cried when I p/ex'd for my D3
10th Jan 2017 7:03 am
DiscoJake
Member Since: 23 Aug 2013
Location: Hereford
Posts: 1429
Deal done, ended up knocking £20 off for the year!! down to 880 and then paid 50 extra to have excess removed.
£930 all in for ExtraCare 24k miles 13months cover, no excess, betterment removed, airbag and emissions included. £200 labour rate.
lots of money but lots of cover and peace of mind, and expect to still be in the black in 13months time
10th Jan 2017 2:49 pm
Snowman
Member Since: 06 Aug 2016
Location: Holmfirth
Posts: 317
£200 labour rate is a lot even for a stealer , I pay £770 for my 08 on simular mileage , with a labour relate of £60.00 which is less than my Indy charge.Andy.
Series 3 SWB Wagon OEC614Y sold
Discovery 1 50th Anniversary Edition S882 BMA sold
Freelander TD4 ES Y615 YEC sold
Freelander TD4 Kalahari NX53 EVH sold
D2 TD5 XS 2003 YF03 WVW sold
D3 TDV6 2008 SE
10th Jan 2017 9:40 pm
DiscoJake
Member Since: 23 Aug 2013
Location: Hereford
Posts: 1429
I had this conversation with the sales girl and they have been feeding it back to the underwriters, basicaly the low level covers indies but my main dealer charges £130 an hour so not enough on lower level.
The upper level is ridiculous though as thats plus vat so £240 an hour!!! Bet discomikie would love some of that
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