TD5 Extended Warranty - Help

[technophile]

Hi all,

As stated in my previous posts, i am about to buy a 06 defender. For peace of mind, i am considering purchasing and addition extended warranty. The group i have found is called National Warranty Company, has anyone heard of them, i am also open to other vendors.

Given the model year and km's on the defender i have two options:

1. An extended manufacturers warranty, which as the name suggest, will cover what ever land rover ordinarily would. (Plan B)

http://www.nwco.com.au/images/downloads/NWC_ExMan_DL_Brochure_ONLINE.pdf

2. Or something called Sentinel Cover, which only covers the items listed in the PDS and to a certain price point.

http://www.nwco.com.au/images/downloads/NWC_SentinelWty_DL_Brochure_ONLINE.pdf

Option 1 will cost $3000 for 4 years of cover, total.
Option 2 will cost $1790 for 5 years of cover, total.

I biggest concern, never having owned a defender, is that Option 2 will not cover the common problems encountered with defender. Because of this i am leaning towards option 1, however it is a large jump.

So, what i am after is for people who own defenders, and those that dont, to to list the possible problems that could be encountered, so that i can determine if option 1 is necessary. I also welcome your opinion on which level of cover you would choose.

Thanks
Kieran

[Babs]

Mate it all means nothing, you need to read the terms and conditions a lot of the extended warranties aren't worth the paper they are written on. Look at the most common things that could go wrong and how much they cover you for that and what it's actually worth to fix.

Find out about servicing, cover where and how. It's a contract you break their terms they don't pay.

Others may have good experiences with them, hopefully you will get some good replies, but I have ex-motor industry experience with them and from that I would advise against, but that was some time ago, things may have changed, I can't comment further without seeing the terms. Good luck.

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[technophile]

Mate it all means nothing, you need to read the terms and conditions a lot of the extended warranties aren't worth the paper they are written on. Look at the most common things that could go wrong and how much they cover you for that and what it's actually worth to fix.

Find out about servicing, cover where and how. It's a contract you break their terms they don't pay.

Others may have good experiences with them, hopefully you will get some good replies, but I have ex-motor industry experience with them and from that I would advise against, but that was some time ago, things may have changed, I can't comment further without seeing the terms. Good luck.

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Thanks for that, I have linked the PDS for each level of cover, which includes the terms and conditions, I would appreciate it if you could give it a quick read over, and let me know what your thoughts are.

Thanks

[Grumbles]

Doesn't National Warranty Co. have a clause in the contract which says they can at any time at their pleasure deny any warranty claim and there is no appeal on their decision. Perhaps have a look at Whirlpool for some background research on this.

Some aftermarket [insurance type] warranties are quite good - Swan Insurance extended manufacturers warranty was fantastic for me. The dealer initiated after market warranty on my Falcon has also been excellent.

Note that there is a huge difference in operating conditions between a warranty run by a private company compared to one under writtten by an insurance company.

The former gives you virtually no legal rights with no guarantees on claims [escape clause of not paying] whereas the latter is covered by the Insurance Act and also have internal appeals processes built into the warranty process including as a last resort in the matter of a dispute the Insurance Ombudsman. There are no such processes with privately operated warranty companies. I would only ever buy the insurance warranty and would do so with reasonable confidence. As always read the fine print but I think they are pretty good.

After market warrantiesof both types always stipulate particular servicing schedules with details on how to record the mandated servicing when it is performed. The servicing period will likely be different to the manufacturers designated servicing schedule. Follow the warranty procedure to the letter through out the warranty period because any deviation will be a legal escape clause for any type of aftermarket warranty.

Perhaps research Swan and Allianz for after market insurance type warranties.

[Chops]

G'day Kieran,
Looking at the PDF you supplied it actually tells you nothing.
I have purchased a couple of extended warranties on previous cars I have owned, one for a Toyota and one for our old D2. Neither of these were worth the initial extra expence, nor the value of the glossy paper they were written on.
The Toyota was not serviced correctly, and it was serviced through the people I bought the car from. So their own stuff up, and then not covered.
The D2, 3/4 of the parts of the car,,, not covered. None of the mechanicals basically so not much point to it really.

You'll need to get a detailed account of what will be fixed/not fixed should it go wrong. my advice would be do some research on what the problems are, and get them fixed under the buyers warranty. But remember, there's an aweful amount of stuff that's not covered at all.

That's just my 2cents, maybe someone of industry can point you in a better direction with advice. I've had a lot of cars over my time, and a lot of what could be considered as bad luck,, but when it comes time for companies to lay down the extra cash themselves, they'll look at every possible "out" they can.

[seano87]

Doesn't National Warranty Co. have a clause in the contract which says they can at any time at their pleasure deny any warranty claim and there is no appeal on their decision. Perhaps have a look at Whirlpool for some background research on this.



That pretty well sums up my dealing with them!

Never again.

As has been mentioned, read their PDS, what you linked to was their glossy sales brochure. Note the asterisks and constant please refer to the product disclosure statement or your warranty book. It's what is in those documents that needs to be closely looked at.

[red roo]

if you dont get any your $3000 in front for any repairs that you wont need any way. its all scare tactics to get ur money not give you any

[Babs]

Grumbles & Chops well said.

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[newhue]

I'm with Babs, and you probably require a lawyer to fully understand what you paying for.

Keep the 3K in your pocket, that will cover a fair few itms if ever required. My dad extended warranty is not worth the paper, but not sure who it with. Scollops has LR's extended warranty underwritten by Allianz. It has been quite good. However LR don't offer this anymore on Defenders, and not sure if Allianz offer external warranty on non second hand vehicles.

Get the top RACQ, NRMA, VAC equivalent vehicle inspection and make a educated guess from there. I have heard a lot of dealers don't like them as they are too critical, but at least you have something to go off.
Alternatively take it too a respected Landy mechanic.

[technophile]

Thank you everyone for your opinions, you have given me the information that i am after, and confirmed my initial thoughts.

$3000 is a lot of money to be spending on top of a car purchase, especially when there isnt even a guarantee that the will cover you when a claim is made, not to mention very stringent guidelines to follow, i.e. has to serviced every 10,000 kms by a authorized LR mechanic, which isn't a problem, but i a service is missed by even 1km that is grounds for them to not pay up.

Sorry about the links in my initial post, i have found the actual PDS, after sever hours of searching :mad:

Plan B Extended manufacturers warranty

http://www.aulro.com/afvb/attachment.php?attachmentid=54798&stc=1&d=1356476433

Plan D Sentinel warranty plan

http://www.aulro.com/afvb/attachment.php?attachmentid=54799&stc=1&d=1356476460

I will start searching for problems that are encountered with the td5 engine, perhads some one also more familiar with them could look at the above PDS and see under what is covered.

thanks again