BMW Warranty ???
- Thread starter Tusky
- Start date
Tusky
Registered user
Thanks guys.... some great replies there, I think Wapping hit it on the head when he said what's right for me...
I should point out it's a GS + all the bells and whistles i.e. electronic suspension, traction control, ABS etc etc (So more to go wrong I guess).
What attracted me to the GS wasn't Ewan
or Charlie for that matter 
I was touring the Alps with a friend on a K1300 and seeing the service he got from his BMW warranty (2yr). Although we were in Lauterbrunnen, the help line supplied an identical loan bike and took the other in for assessment within 2hrs of him calling them. In the end it couldn't be fixed in time for the return and it limped back to the UK with only 2 gears working. That said, they were happy for it to be repaired in Thun (Switzerland) and fly him back out there to pick it up..... Not surprisingly, riding the loan bike back to the UK was not an option....
Carole Nash's free European cover looked tempting, right up to the point I checked the small print on the two policies they came up with.... NOT covered for third party riding on other peoples bikes
NOT covered for any loss, if I forget to garage it at night between 10:00pm and 6:00am 
So the question needs to be asked, whether the BMW extended warranty gives you a much better service from BMW dealers abroad or whether the other third party providers also deal with BMW dealers in the same way ?
Oh and to throw something else into the fire, does BMW Dealer servicing for the purposes of warranty validity mean a logical 12 months (6000 mile) service or is it the rip off 6 months or 6000 miles (whatever comes first).
I should point out it's a GS + all the bells and whistles i.e. electronic suspension, traction control, ABS etc etc (So more to go wrong I guess).
What attracted me to the GS wasn't Ewan
or Charlie for that matter I was touring the Alps with a friend on a K1300 and seeing the service he got from his BMW warranty (2yr). Although we were in Lauterbrunnen, the help line supplied an identical loan bike and took the other in for assessment within 2hrs of him calling them. In the end it couldn't be fixed in time for the return and it limped back to the UK with only 2 gears working. That said, they were happy for it to be repaired in Thun (Switzerland) and fly him back out there to pick it up..... Not surprisingly, riding the loan bike back to the UK was not an option....
Carole Nash's free European cover looked tempting, right up to the point I checked the small print on the two policies they came up with.... NOT covered for third party riding on other peoples bikes
NOT covered for any loss, if I forget to garage it at night between 10:00pm and 6:00am So the question needs to be asked, whether the BMW extended warranty gives you a much better service from BMW dealers abroad or whether the other third party providers also deal with BMW dealers in the same way ?
Oh and to throw something else into the fire, does BMW Dealer servicing for the purposes of warranty validity mean a logical 12 months (6000 mile) service or is it the rip off 6 months or 6000 miles (whatever comes first).
Do a Google on Warranty Direct - there's some very bad reports out there of them wriggling out of their obligations !
My experience has always been 'you get what you pay for' - I'd go for the BMW warranty every time myself
One possible advantage of the BuMW cover over a third-party product is that, whilst they are both insurance backed products, at least with BuMW's you are only discussing a BuMW motorbike, with a BuMW repair shop, with a BuMW branded warranty. It takes one small part of the possible equation out.
The wording of the BuMW Warranty is very easy to understand, too. There again, many mass market insurance products are these days.
You can get full(ish) details here http://www.motorrad-warranty.co.uk/Pages/Information.aspx?page=Products/NamedListed/Features.htm Not least it will stop everyone guessing as to what is (and is not) covered. Or give them a call to chat thro' any questions you may have.
The wording of the BuMW Warranty is very easy to understand, too. There again, many mass market insurance products are these days.
You can get full(ish) details here http://www.motorrad-warranty.co.uk/Pages/Information.aspx?page=Products/NamedListed/Features.htm Not least it will stop everyone guessing as to what is (and is not) covered. Or give them a call to chat thro' any questions you may have.
neilflash
Registered user
Which bike ???
choices choices
I suggest the one you do not fall off of, at the bottom of your road.
neilflash
Registered user
I suggest the one you do not fall off of, at the bottom of your road.
Well said that man and you do your research so well
Hi guys,
Interesting thread, but if I'm honest, I still can't get my head past the cost of 'pet insurance', £99.00 per month ??
Is that correct or have I mis-read it ? What were you insuring a whole zoo ?
That's a lot of money per year.
Interesting thread, but if I'm honest, I still can't get my head past the cost of 'pet insurance', £99.00 per month ??
Is that correct or have I mis-read it ? What were you insuring a whole zoo ?
That's a lot of money per year.
snerkler
Registered user
Good point Snerkler..............
Could it be a Triumph Tiger ?
Never considered that view,......................that's explained that then.
Now I can just get back to the main thread and give that some thought.
Could it be a Triumph Tiger ?
Never considered that view,......................that's explained that then.
Now I can just get back to the main thread and give that some thought.
Tusky
Registered user
Yup... afraid so, pedigree's cost twice what mongrels do
At 8yrs she hit £65.00 a month at 9yrs £99.00 per month... When I said it was a policy for life and this was outrageous, I was advised it would probably be another 50% at 10 yrs (Circa £150.00), so I threw the towel in and will now stick her back together with ducktape
Moral is don't go with Kennel Club insurance...... it makes the world of BMW seem cheap
Oh and back on track..... I think the warranty covers most things for 80k but suspension is only 30k...... which posses the question, why don't they ask for a riders weight on the proposal form
snerkler
Registered user
Our dog's a pedigree and she's 5, hope ours doesn't go up to £65 in the next 3 yearsYup... afraid so, pedigree's cost twice what mongrels do
At 8yrs she hit £65.00 a month at 9yrs £99.00 per month... When I said it was a policy for life and this was outrageous, I was advised it would probably be another 50% at 10 yrs (Circa £150.00), so I threw the towel in and will now stick her back together with ducktape
Moral is don't go with Kennel Club insurance...... it makes the world of BMW seem cheap
Oh and back on track..... I think the warranty covers most things for 80k but suspension is only 30k...... which posses the question, why don't they ask for a riders weight on the proposal form
Hi
This is just a personal view, but if you are looking for random people's views, I think buying a £350 policy to idemnify a £1000 risk having a less than 1 in 3.33 chance of occuring is absolute lunacy.
I know my logic is not 100% watertight, there is a risk of multiple £1000 claims per year, and I have no evidence that fewer than 1 in 3 FDs fail each year, but I am fairly sure it's not that bad.
I also appreciate there are other failure modes, but my point is the policy cost to risk cost is just all wrong for me. Basically, buying the policy is in effect assuming there is a 10% risk of your bike having £3500 of mechanical failures in a year. If one in ten BMW suffered this level of cost in their third year we'd see even more moaning!
I can only think of three reasons to buy insurance:
1) The insurer gets the numbers wrong and charges too little
2) Legal requirement
3) Cannot afford to cover the risk oneself (the peace of mind reason).
I do not think (3) can really apply with these numbers. If there is someone for whom £1000 would be hard to find should the worst happen, then I suspect there are better things that person could do with the £350 in the first place.
If you get the policy - I hope it is a waste of money!
Darren
This is just a personal view, but if you are looking for random people's views, I think buying a £350 policy to idemnify a £1000 risk having a less than 1 in 3.33 chance of occuring is absolute lunacy.
I know my logic is not 100% watertight, there is a risk of multiple £1000 claims per year, and I have no evidence that fewer than 1 in 3 FDs fail each year, but I am fairly sure it's not that bad.
I also appreciate there are other failure modes, but my point is the policy cost to risk cost is just all wrong for me. Basically, buying the policy is in effect assuming there is a 10% risk of your bike having £3500 of mechanical failures in a year. If one in ten BMW suffered this level of cost in their third year we'd see even more moaning!
I can only think of three reasons to buy insurance:
1) The insurer gets the numbers wrong and charges too little
2) Legal requirement
3) Cannot afford to cover the risk oneself (the peace of mind reason).
I do not think (3) can really apply with these numbers. If there is someone for whom £1000 would be hard to find should the worst happen, then I suspect there are better things that person could do with the £350 in the first place.
If you get the policy - I hope it is a waste of money!
Darren
I hope anyone who gets the policy enjoys the peace of mind (regardless of if they end up "in profit") and I also hope those that do not take such a policy do not have a whole heap of expensive problems.
I think high milers may be doing well to take one, it seems FD's rarely last 40k, and often much less, so if your doing 20k a year the FD bill alone would be £750 a year - add in FPC / EWS / ECU's / ABS controllers / Fuel Gauges / warped discs and all the other "common" faults and there is a good chance of getting your cash back before you even hit on an unlucky "uncommon" failure.
I would never consider one of these warranties for a Japanese bike, but assuming cover is good (hard to do as BMW won't send me the bloody book) and there are not huge excesses it looks like a fair bet.
I am sure most of us could find £1,000 if we had to, but I also guess for most of us that would mean missing out on something else we would quite liked to have spent the £1,000 on, sure if a grand is small change to you it really does not matter.
Good luck to all GS owners, with or without warranty.
As usual so many views are available on what has to be a personal choice, but I certainly agree that I doubt the numbers of actual FD failures are that high, its just those that do are the ones you tend to hear about. I also don't believe its a defacto £1,000 repair even if it does go - mine cost £260 which BMW paid out of warranty. The way I'm dealing with it, is by doing my own servicing and not taking the warranty, I have now saved over £1,000 anyway and if I need a new FD I will just buy one, fit it and carry on with my present system. Same with anything else that may need replacing due to wear and tear or whatever.
Personally I like working on my bikes, its part of the enjoyment factor for me but I appreciate thats not everyones view, so for others the peace of mind approach may well be better, even if its a more expensive option in most cases.
Personally I like working on my bikes, its part of the enjoyment factor for me but I appreciate thats not everyones view, so for others the peace of mind approach may well be better, even if its a more expensive option in most cases.
Yellow Peril
Registered user
Tusky the warranty doesn't apply in Europe in the same way it would here, if you ring up BMW assist then it is basically the same, however if you call into a dealership with a serious problem(i.e my rear shock) they will charge you the same as any other customer walking in off the street, the warranty doesn't apply.
Whether you can then reclaim the money from the warranty on return I don't know but personally I was not going to risk 900 + euros, when I knew there was a good chance of getting work done under warranty back in the UK.
Whether you can then reclaim the money from the warranty on return I don't know but personally I was not going to risk 900 + euros, when I knew there was a good chance of getting work done under warranty back in the UK.
trainman
Registered user
agree with beemerman, if you factor in savings on servicing if you get it done by a non BMW or yourself, it suddenly becomes £500+ saving a year if you dont take the warranty
theres the risk that you may come across a large repair within 3 years but its got to be £1500 in total to get near the costs of feeling safe, even then the parts can be got cheaper at parts specialists rather tha OEM
theres the risk that you may come across a large repair within 3 years but its got to be £1500 in total to get near the costs of feeling safe, even then the parts can be got cheaper at parts specialists rather tha OEM
snerkler
Registered user
That's all well and good if you put that money to one side though, some find that very difficult and go spend it elsewhere
trainman
Registered user
your right, a flaw maybe but would rather waste it on myself than BM!!!
That's all well and good if you put that money to one side though, some find that very difficult and go spend it elsewhere
Well, you either put it away earning interest, spend it on yourself (and why not, you work hard for it) or pay upwards of £350 for a warranty and almost the same on your next dealer service that you have to have. So, for one years warranty and one service you have to budget for and pay £600 or so anyway. In terms of cash availability I don't see much difference to do either option it's just with one you may save a lot of money versus a small, IMO, risk of spending a little bit more.
Similar threads
