Extended Warranty - Disc cover

[Martyn B]

Sorry if this is an old chestnut but a quick search didn't bring up anything obvious:

I've had an extended warranty cover for nearly two years now and have had the discs changed without charge.

I've just booked my bike into CW at Dorchester for a 24k service and in conversation I said that it had had a disc change last year. They then told me that discs are no longer covered under the extended warranty!

Can anyone confirm this and if its true (I'd be surprised if CW were wrong) shouldn't I have been informed of change to the T&C's?

Disc problems are endemic on the older GSA's and one of the major reasons I took the policy out. They can stuff it next time round!

 

[Deleted account 211025001]

Dunno about that but the WMB discs have a 2 year warranty on them, one of the reasons I just fitted OE discs.

Andres

 

[Wapping]

Read your extended warranty policy, is the only answer.

Disks are certainly covered under the original manufacturer's two warranty for a new bike. The original manufacturer's warranty can cover as much as BMW like, after all they they made the bike / sell all all the components, so it is easy for them.... right up to ad including giving the customer a brand new bike.

Thereafter will depend on:

(a) The wording of your extended warranty policy. Disks wear due to friction so, inevitably, they wear out or warp; meaning that an extended warranty on the discs would mean inevitable loss at some point. An extended warranty policy is not a 'full repairing and maintenance' cover, after all.

(b) The guarantee applicable to the replaced part itself. For instance, if you installed a new disk and it failed within a week, would that be reasonable? Answer, probably no. If it failed within 24 or 36 or 48 months? Answer, maybe / probably / definitely yes, depending on mileage / usage etc.

 

[GSmonkey]

My BMW Extended policy covers the following in the braking system:

"brake callipers, ABS control unit, master cylinders and ABS hydraulic pump unit. (Seized callipers due to corrosion are not covered)."

It goes on to say "Any components not specifically listed are not covered."

I'd therefore say they ain't covered. I'd just put some aftermarket discs on if they warp at a fraction of the price.

 

[Dainese Brave]

My BMW Extended policy covers the following in the braking system:

"brake callipers, ABS control unit, master cylinders and ABS hydraulic pump unit. (Seized callipers due to corrosion are not covered)."

It goes on to say "Any components not specifically listed are not covered."

I'd therefore say they ain't covered. I'd just put some aftermarket discs on if they warp at a fraction of the price.

This has been done a fair bit, and I think goodwill plays a big part in getting the work done.

My 2p's worth....

If the disc are seized, then I'd say that was down to maintainence, and not covered.

If the discs are worn out, due to high mileage, then I'd say that wasn't covered.

If the discs are warped, then that is a fault and should be covered....and if the discs have to be changed, then the pads have to be changed in the process, so should be included in the warranty work.

 

[Wapping]

This has been done a fair bit, and I think goodwill plays a big part in getting the work done.

My 2p's worth....

If the disc are seized, then I'd say that was down to maintainence, and not covered.

If the discs are worn out, due to high mileage, then I'd say that wasn't covered.

If the discs are warped, then that is a fault and should be covered....and if the discs have to be changed, then the pads have to be changed in the process, so should be included in the warranty work.

Possibly I am misreading you.

You are possibly confusing an extended warranty (which is an insurance policy) with either the original manufacturer's warranty, or the guarantee period attaching to a replacement part.

An extended warranty, being a policy of insurance, is a contract. So, it will be very specific about what parts and at what terms the policy insures and (by implication) what parts it does not. If the insurer has chosen not to insure the discs (as would appear to be the case in GSmonkey's example, where the brake parts that are insured are clearly listed) then they are not insured. Any prudent extended warranty insurer will probably exclude the disks as they will inevitably wear, leading to inevitable loss and a claim.

That is not to say that you cannot appeal to BUMW's or the disk's manufacturer or a dealer's good nature at any time. You can also appeal to the insurer if their wording is ambiguous or unfair, but in GSmonkey's example it does not seem to be. So yes, a lot comes down to little more than goodwill.

 

[Dainese Brave]

Having not ever taken the extended warranty out I'm only speaking from what I've read on here, and what I'd expect to be covered if I was paying with my money.

I assumed it was a BMW policy?

All the blurb I've ever received about taking it out has always implied it was an exstention of the full BMW factory warranty...not sure if in the small print it's not seen as a full continuation of it though?

Obviously the warranty terms are in black and white...but gather a bit of goodwill may swing it in your favour..if not fully, maybe a welcome gesture towards it.

Typically discs are 'consumables'.....so wouldn't be covered...but 'wear' and 'fault' can be a grey area when the discs are warped surely?

I agree with your post.....obviously the first port of call is to read your policy document...then an honest evaluation of whether the problem is 'wear' or 'a fault'....

.....my point I guess, is that a friendly word with your dealer may bring a positive result.

As I'm sure the dealers in question probably are correct on whether it is covered or not...after all, they should/would know.....

....just don't think a friendly word might go a long way to getting some 'help' from them.

 

[autogs]

good timing this one,my 08gsa is just going into vines on tuesday for rear brake judder.since i had the bike during the remaining manufacturers warrenty it has had two rear discs in a 12 month period,now im on extended warrenty vines say discs not covered period.i tell them that have had x amount of discs before and now need another one and that the prob does not lie with the disc itself but maybe the carrier etc.theve ordered a carrier(covered under the insured warrenty)and hope this will pull the disc into true and a new one will not be needed.so if it needs a new disc after the carrier is fitted will they pay for a disc as it was caused by the failure of a covered item,i think not,butlets see what happens tuesday.

 

[Martyn B]

Ta!

a friendly word might go a long way to getting some 'help' from them.

Thanks for all the feedback. The extended warranty is indeed a BMW one. Looking back at the records, I've realised that the discs were actually replaced under the original manufacturers two year warranty, not the extended warranty So GSMonkey is indeed correct. It was CW saying that "discs aren't covered any more" that threw me.

As for goodwill, I don't have any brownie points accrued with CW as my dealer was BVM Stroud until they lost their franchise last year.

 

[autogs]

disc carrier and disc replaced under insured warrenty today at vines,pleased i am