Extended Warranty beware... now resolved

[MickDB1]

I am almost sure that Rasher and others (me) can read most of the cover in the policies - but - In simple folk ( me ) terms.

If I was getting my wallet out to pay for extended warrantee which the companies sell /offer you, I would be mighty pissed off with them if in the case of a FD claim they told me what Gary said they told him.

Does anyone have any other experiences with not getting the warrentee claim paid for other parts, or is it just an other FD problem

As has been said, Good on yer Rainbow for sorting it out for Gary - but most of us would probably not get the sympathy he's got being a celeb on here and the fine Gay Blade that he is.

 

[Nice 'n' Fat]

So are you saying you have to be either famous or gay to get a warranty claim passed now?

 

[JohnnyBoxer]

Johnny & Wapping - you can explain it to him till the cows (sorry pigs) come home & he'll still not get it !
Unfortunately the "Janet & John" series of books haven't got round to publishing their BMW warranty version ,but I'm sure if Rasher complains loudly enough (according to his posts on here),They'll do him a copy.
FFS Rasher whats so confusing - it aint rocket science !

We agree Skywalker......................he's confused, he won't read the detailed explanations given.................so he can stay confused

We can do no more...................you can take a horse to water, but it's sometimes difficult to make it drink

Minds are like parachutes.......................they work better open

I've looked at the independent service route, but the cost variance in the North is negligible, so I use the BMW main dealer, Rainbow (even on 5,10,15, 20 year old BMW bikes, none of which now have any sort of warranty)

They have a super bunch of real-world technicians who know all the little quirks of BMWs from airheads to the latest twincam 1200's

They can build engines and gearboxes, as well as replace service items - which is a whole different scenario

If it can be done cost effectively they will, if not they'll explain the options - so you can decide what course of action is best for you and your pocket

Above all....................they tell it like it is and they tell the truth

 

[Wapping]

I am almost sure that Rasher and others (me) can read most of the cover in the policies - but - In simple folk ( me ) terms.

If I was getting my wallet out to pay for extended warrantee which the companies sell /offer you, I would be mighty pissed off with them if in the case of a FD claim they told me what Gary said they told him.

Does anyone have any other experiences with not getting the warrentee claim paid for other parts, or is it just an other FD problem

As has been said, Good on yer Rainbow for sorting it out for Gary - but most of us would probably not get the sympathy he's got being a celeb on here and the fine Gay Blade that he is.

OK let's see if we can help you, too.

You say, if you were getting your wallet out to pay for extended warranty. Are you doing that or do you intend to in the reasonably near future? If NO then you have little to get pissed off (or even worried) about. If YES then ask the supplying dealer to clarrify the items that most concern you.

What concerns you / pisses you off about Gary's result?

Does anyone anyone have any experience of other parts not being paid for? It is clear from Garry's posts that the warranty did pay for the parts it did cover, which is to be expected. You, nor anyone else, have been told why the warranty did not respond to all of Gary's requests. Depending on what he asked for, that may (or may not, nobody can tell) be a reasonable (or unreasoable) response on behalf of the warranty insurers. Nothing in Gary's response indicates that the FD was not covered.

To answer your main question. Yes, I have had a claim for a part declined. It was the ignition switch, which malfunctioned after about four years and 52,000 miles. Yes, I have extended warranty and yes the bike has a full dealer service history and yes I have been the only owner since new. Why did they decline? As the item is not covered, that's why. I have though had my final drive replaced twice, once under the original (2 year) warranty at about 22,000 miles and once at about 53,000 miles under the extended warranty I bought
from BuMW. So, there is no 'FD problem, under warranty' per-se, as my experience shows

As to whether you would have the same experience of Gary or me, or indeed anyone else? That is impossible to answer. It would depend on the cicumstances. But, no doubt, you will get the final result you deserve.... As we all
do.

 

[Rasher]

I have read, and apparently the warranty clearly states the FD is covered, and in this case it was clearly refused under the warranty.

All I am asking is why the BMW warranty refuses / refused to pay out for items specifically listed as covered?

I can see others as well as me are unsure as to how this refusal came about and if we part with our hard earned for a warranty will it be a waste of money.

A Janet and John book is useless, BMW have one which explicitly listed this chaps FD as being covered, yet they refused to cover it.

So in idiot terms.

1. Why do they refuse to fix a part clearly "covered" by the warranty
2. Will they refuse other claims for "no reason" (Or more likely because it is expensive and they don't want to pay for it)

And why do so many BMW owners think being ripped off by BMW and their associattes is so acceptable

 

[Wapping]

No it wasn't refused, as the OP's posts confirmed in the end.

What was apparently declined were certain additional aspects of the OP's original request. None of us have any idea what these were, so it is impossible to judge if the insurer's refusal is fair or unfair. For example, if the OP had requested that the full outercasing of the swingarm be relaced, even though it was undamaged, that would be a reasonable aspect to decline. BuMW though might be persuaded to replace it through goodwill. Goodwill that had been generated by a full dealer history.

You are asking exactly the same question as the rest of us have been asking. You however used the lack of information to jump to several incorrect and premature conclusions. The shining example was where you painted the dealer as the monster and another to be struck off your list.

You keep repeating the same simple mistakes or wild accusations over and
over again. Why? Do you just read the bits that you can twist to fit your pre-conceived image of what the end result MUST be, irrespective that the balance of the facts do not fit your version?

Few people if any enjoy being riped off. Nothing in this thread so far indicates that anyone has been ripped off or mislead. One bod failed to get any godwill payments for his drive problem, but the bike was years out of warranty, he had no extended cover and no dealer history. If you think that a rip off, then we can only wonder what you find to be fair?

 

[Rasher]

Sorry, I am maybe being a bit unfair due to previous encounters with rip-off dealers, however the original post did state:

Sent my 1200 GS into Rainbow for a well deserved Service after my USA Odyssey and they say the Pinion Bearings have gone and this means a new final drive unit.

BMW warranty folk say this is not covered and no claim can be made

Now this statement implies despite being listed as covered in warranty terms BMW Warranty point blank refused to cover it.

What am I missing?

Id the FD not listed as covered in the terms?

or

Is the original post a complete lie?


If not the warranty company are in fact breaching the terms of the contract, and by advertising they cover components which they in fact don't being fraudulent when selling this cover.

 

[Mrs C]

The final drive is covered under extended warranty, along with the parts contained within it. If one of the parts fail, providing it was not caused by corrosion or outside influence (someone forgets to fill it with oil for example) and it not deemed acceptable for it to have failed in the given mileage - it will be covered under extended warranty.

If only one component within the final drive has failed, only that component will be replaced by extended warranty - they won't replace a complete drive now that individual parts are available (this wasn't always the case when the 1200 first came out). The complete drive would only be replaced if the cost of replacing the failed part exceeded the cost of a complete drive - this rarely happens.

As we don't know the reason for extended warranty choosing not to cover the repair on this occasion, we can only speculate as to why, which isn't always helpful.

Each case is looked at on its merits but if you feel you have been judged harshly by extended warranty, you can ask the dealer to appeal it - its worth a shot. Or as a last resort you can get a goodwill claim put in by your dealer which, in this case, worked out well for the dealer and the customer.

 

[Wapping]

Sorry, I am maybe being a bit unfair due to previous encounters with rip-off dealers, however the original post did state:



Now this statement implies despite being listed as covered in warranty terms BMW Warranty point blank refused to cover it.

What am I missing?

Id the FD not listed as covered in the terms?

or

Is the original post a complete lie?


If not the warranty company are in fact breaching the terms of the contract, and by advertising they cover components which they in fact don't being fraudulent when selling this cover.

Oh sweet Jesus

What are you missing?

You are missing (or ignoring) that the OP's opening post was heavy on disgruntlement but light on substantive detail. You are missing (or simply not reading) what the OP then went on to tell us all. You are also still missing (though it is not your fault) the key absent pieces of the OP's jigsaw. You are also missing or failing to understand - whether by accident, stupidity or pre-determined intent, who can tell - all the subsequent attempts to explain it to you and answer your questions / counter your concerns / attend to your misguided drivel.

Mrs C has now had a go at explaining it as well. The second and third paragraph, sum it up very nicely*. If you do not accept (or fail to understand) Mrs C's very reasonable and simple explanation, your only remaining course of action is to take the matter up directly with BuMW's legal department or that of the warranty insurer's.


*Though Mrs C is very slightly off-beam in that the OP subsequently confirmed that the warranty did cover those parts it was obliged to, thereby not breaching it's contractual obligations; this is exactly as anticipated in her second paragraph. The balance (ie. those unknown items of the OP's full request that were not indemnified under the warranty, for reasons unknown) was paid for by BMW out of goodwill, possibly thanks to the evil dealer's intervention. Again, as Mrs C said may happen in her third paragraph.

 

[Micky]

Über Alles

 

[MickDB1]

I am sorry for being thick -
But I aint got a 1200
If someone tells me I have to have a new FD unit cos the pivot bearing is knackered, I would be thinking they are spending my dosh cos the job is a bugger to do for them. Added to that if I had paid the extended warrentee - Thats what would have pissed me off
The insurance company couldnt talk to Gaz as there had been no claim by Rainbow - no claim number
Nothing actually pisses me off about owt that has happened to me
I was just saying IF and WOULD in my post
With regards to your unfortunate claim for yer bit, I am sorry for that
Better luck next time
That could /maybe should be at the bottom of the small print on a Goodwill Gesture claim
Thanks for helping me with the explanation though

 

[Wapping]

Über Alles

What are you on about?

YOURS BROKE! Leaving you stranded on the side of the road as I recall..... moaning that nobody stopped

BuMW can't make shaft drives and can't make chains. What a shower'o'shite they are.

 

[haydw]

Lets turn this round then- ignore the fact that someone has or has not got a final drive replaced under goodwill.

If for example a warranty supplier (whether that be BMW, Mondial, Warranty direct etc) and their policy states that they will only pay for the failed final drive by means of replacing the components inside it now they are available instead of replacing it whole, where are they getting the drives repaired??

How have they come to that conclusion??

If a pinion bearing fails (as in my case and plenty of others)- I would love to be able to PAY for this to be repaired instead of being shafted for the full cost of a complete replacement.

Do the warranty people know something we dont about getting these things repaired?? If so I would love to know where they are so we could all take advantage of it regardless of whether I or a warranty company pays for it!!

 

[chad]

I`m guessing a lot of folk reading this thread are doing so with a frown and negative thoughts,,,,,,,,,, so here is a pic of a cracking pair of Knockers to keep things in perspective.

the only post in this thread that makes sence to me

 

[Wapping]

the only post in this thread that makes sence to me

Me, too


Have some more on me:

 

[Micky]

What are you on about?

YOURS BROKE! Leaving you stranded on the side of the road as I recall..... moaning that nobody stopped

BuMW can't make shaft drives and can't make chains. What a shower'o'shite they are.

Well BMW could make shaft drives .... but now they can't

BMW didn't/couldn't make chain drives.... now they can

Just a bit o' misplaced fun

 

[Magnet]

Hey Micky - you want to borrow this:

 

[chad]

nah hes got a much bigger one

 

[Nice 'n' Fat]

So is it covered or not?

 

[Micky]

Hey Micky - you want to borrow this:

No thanks gal ... like Chad says

nah hes got a much bigger one

You been peekin'

Cos you're right