Extended Warranty

[Mighty HD]

Which one does everyone have?

 

I got burnt by Warranty gold going belly up on my last truck. So I bought a new one once it started having problems.

 

I have Intercontinental warranty on my 98 grand am. To date they have paid out over $10,200 in repairs over the years @ the dealer. I only paid $1200 for the warranty and I've still got 2 years and 30,000 miles left on it. I did find out they are a risk retention group. I'm avoiding that like the plague for the Sierra HD

 

 

I am seriously thinking of GMPP now full bumper to bumper. Do they offer coverage up to 100,000 miles/7 years?

 

What have your experiences with them and whoever else you use been?

[Shawn T]

I had First Warranty Plus and got burnt. I only used my EW four times and I paid out of pocket 3 out of the 4 times. I did not read the fine print and found out that basically only the power and drive train were covered. Another thing I found out the hard way was; that not all dealerships honored this brand. I have heard scare stories about the GMBB also. For one, the deductable(outside your home dealership) is $150, were all other aftermarket EW's are only $50. Also, don't let the "Bumper to Bumper" slogan fool you. There are uncovered items in the GMBB also. This warranty was on a 99 Silverado(first year new body style). I purchased the truck and had alot of "bells and whistles" go wrong. I purchased the extended warranty to remedy having to pay for these problems when my factory warranty expired. I guess the truck decided to remedy itself because it only had for dealer visits in the next 60000 miles. It's like rolling the dice. I have this 03 Sierra HD D/A and have not had it in yet(25000 miles) . "knock on wood". I will just flip a coin when I have 35000 miles on it and hope my decision pays off in the future. If I do buy an EW, I will probably bite the bullet and go with the GMBB. It cost about twice as much but it covers a little bit more. Plus if I decide to relocate I can get coverage anywhere. I also heard that you can change your home dealership in this case and avoid the deductable. I hope this info helps.

[bigdogs]

I got burned on an aftermarket one too on an old Blazer of mine. I just bought a GMPP for my 03 Sierra while it was still under the "new" pricing. They do have a 6yr 100K mile one (which is the one I got) or a 7yr 84K mile one but not a 7yr 100K one. I also went with the $0 deductable Major Guard so I should be set in case something happens.

 

There used to be a guy on here named Blake (TXDMAX) that worked at Classic Chevy in Texas that sold them. He is no longer there but there is another guy there named Don Kerstetter that sold me mine. If you are looking at getting one I'd suggest giving him a call.

 

There may be cheaper ones than GMPP but you know GM will be there to honor it and that you can take it to any GM dealer in the US and Canada to fix it. The major guard is not quite "bumper to bumper" but their list of exceptions is very small.

[Mighty HD]

From what I am gathering GMPP is the way to go.

 

Intercontinental used to be backed by travlers insurance...which is a huge company in america from what I have read. Now that they have teamed up with a RRG, no way in hell..

 

 

Between Warranty gold and being backed by National Warranty Insurance Group (NWIG who is a RRG, based out of the cayman islands) and re-insured by some joe blow...I got smoked and will be very leary of buying another warranty.

[ktmjim215]

You can get no better than GMPP and they are not going out of business. When the aftermarket companies start to pay out too much they always go belly up. I've seen it too many times. You can tell they are going out when it gets harder than normal to get paid for a claim. We have a rule, extended warranty claims have to be paid by company credit card or the customer pays before the vehicle leaves.

You can get all types of coverage with GMPP, just read the contract for coverage, length of coverage and deductibles. There is no such thing as a bumper to bumper Extended warranty from anybody. Also be sure to keep your maintenance records, more Ext warranty companies are asking for it.

One thing about GMPP, it's good at all GM dealers, no questions asked.

[Mighty HD]

You mentioned maintenance records.

 

What if you do it yourself? I have a program called Auto Maintenance Pro, which I keep record of any and all work done to the vehicles, oil changes to warranty work.

 

Reciepts are something else...lol

[Scyry]

One, GMPP is taken at all the GM dealerships. Two, make sure you have all your maintenance records, it can save your ass down the line or bite you if you don't keep them. Three, I have the GMPP 5yr/100,000mile major guard, and it has covered everything but a clutch so far, and maintenance things. I got the $200 deductable also because it will take about 9 trips in paying the $200 before you reach the cost of the zero deductable. Just depends if you want to pay a lot up front or just pay a little if you have a problem. Plus if your truck goes in for 9+ trips under warranty I feel sorry for you. Anyways just my thoughts, GMPP has been good for me.

[bigdogs]

One, GMPP is taken at all the GM dealerships.  Two, make sure you have all your maintenance records, it can save your ass down the line or bite you if you don't keep them.  Three, I have the GMPP 5yr/100,000mile major guard, and it has covered everything but a clutch so far, and maintenance things.  I got the $200 deductable also because it will take about 9 trips in paying the $200 before you reach the cost of the zero deductable.  Just depends if you want to pay a lot up front or just pay a little if you have a problem.  Plus if your truck goes in for 9+ trips under warranty I feel sorry for you.  Anyways just my thoughts, GMPP has been good for me.

 

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Have they asked you to show your maintenance records before covering anything? I think that is kinda an iffy area since they would have to prove you didn't to deny a claim. On mine it was a couple hundred more for the $0 deductable so I figured over 6 years of coverage it would not be a lot more. I figure if that Allison goes that will just about cover the cost of the GMPP. Plus the piddly little things like seat warmers, etc., are covered too.

[ktmjim215]

Maintenance records are a good idea to keep just to prove you do keep you vehicle up. It will also help with the resale value or proving the vehicles worth in an insurance claim. If a part fails because of a lack of required maintenance, such as a stopped up fuel filter killing a fuel pump, the claim can be denied. I have seen it happen, moreso with the aftermarket ext warranties than GMPP. If your Allison trans breaks at 98K of a 100K policy, they are going to ask for a record, guaranteed.

Just keep a written record of what is done to your vehicle, it doesn't need to be extensive. It doesn't have to be as elaborate as the computer deal in a previous post, but thats a great idea. Just dates and what was done. It can be as simple as keeping the parts reciept from Pep Boys if you do your own work. Required maintenance is listed in all Extended Warranty contracts, just read the fine print.

I have customers that brought in records that you could tell were just written, bogus dates and mileages and all in the same hand writing and same pen. My GM Rep has matched maintenance records with warranty dates and mileages, it's pretty easy to tell the difference between a regular maintenance log and something somebody just made up.

[sonjaab]

Try these guys for a GMPP warranty price

 

http://www.gmoutlet.com

[bigdogs]

Maintenance records are a good idea to keep just to prove you do keep you vehicle up. It will also help with the resale value or proving the vehicles worth in an insurance claim. If a part fails because of a lack of required maintenance, such as a stopped up fuel filter killing a fuel pump, the claim can be denied. I have seen it happen, moreso with the aftermarket ext warranties than GMPP. If your Allison trans breaks at 98K of a 100K policy, they are going to ask for a record, guaranteed.

 

Just keep a written record of what is done to your vehicle, it doesn't need to be extensive. It doesn't have to be as elaborate as the computer deal in a previous post, but thats a great idea. Just dates and what was done. It can be as simple as keeping the parts reciept from Pep Boys if you do your own work. 

 

I guess what I am asking is what happens if you are away from home you probably wont have your records with you? Also so they require receipts for prove or are notes what was done with the dates and mileage acceptable?

[Scyry]

Bigdogs, the small claims or claims where "they found nothing wrong" don't usually make it into the national data base unless you are at a good dealer. SO say you complain about your tranny a couple times and they find nothing and it goes out later you could have a problem. The warranty will not cover things they deem as user abuse meaning if you had a problem and didn't take the truck in until it gets worse it is your problem to fix. Also if something has been acting up and you keep taking it in and then another part goes that is not covered by warranty, but was caused by something under warranty that was not caught, you need your records. Like I have been having tranny, transfer case and clutch problems. It took 4+ plus trips for a dealer to find out the clutch master cylinder was not working right. It cause all my other power train problems and wore out my clutch early. I had 2 of those trips into the dealers where they just did basic fluid changes to "fix" the problem. If I didn't keep those records, GMPP would not of fixed the clutch for me. I know it is a rare situation, but it is better safe than sorry.

 

LOL I just read that and it is confusing, basically if you get no help with a said problem, and it leads to more problems, it is good to have records to get GMPP to fix things. That better?

[bigdogs]

Ok that makes a little more sense I guess. When I think of maintenance I'm talking like fluid and filter changes, lubing etc., where you may want to do it at home. The only thing I would have really is the records I kept like date and mileage when done. I've had a few TSBs done on mine and the dealer entered those into the database, thankfully have not had any other problems.

 

I'm not sure how they can "prove" a driver did not take it in to get fixed if there was a problem. If that happened to me, my defense would be "I bought a $0 ded GMPP, if I thought there was a problem it would be back there in a heartbeat, what reason would I have for NOT taking it in".

[Scyry]

I think on doing the maintenance stuff yourself if you keep the reciepts of what you bought, oil, fluids and parts you are good enough. The only problem I have ran into as far as do it yourself stuff, is that the dealers did not like my drop in K&N when they were trying to find problems. They always said it looked dirty, even if I cleaned it right before going in.

[ktmjim215]

Dates and CORRECT mileages in a log will usually work. Just something to prove you take care of your vehicle. You would be surprised how many people do nothing to their vehicle. Had a customer in the other day that had over 14K on their vehicle with the original oil filter on it. The owner brought the vehicle in because the oil change light was on. And they had the b#lls to call GM and compalin that I wouldn't change their oil under warranty to turn the light out. GM took care of that little problem for me.

As far as being out of town, a simple 1 or 2 age copy of your records in the glove box will do. If you have your work done at a dealer, simply have the Ext Warranty company call that dealer for the records.

The records thing is not a big deal for most repairs but it can help you with some cases.

And with any Extended Warranty read the fine print and if you are denied a claim because of a lack of maintenance, read your owners manual for required maintenance. If the contract doesnot call for it and the owners manual doesn't state it was needed, they can't deny for lack of maintenance. Some of the adjusters will try to slide that by you. Hyundai is famous for denying Trans claims under the factory warranty for lack of a tranny service but no where in their maintenance schedule does it list a required service. Bringing that up always gets the repairs covered.