Rt 66 ext warranty

[bobdavisnpf]

Rt 66 Easy Street warranty looks excellent, and I can get via my credit union. The devil is in the details, though, and in how they tend to handle their fine print. Do ppl have experience with claims for:

OFHG
Valve cover & gasket
Oil pan gasket
Charge pipe
Turbocharger

Each of these seem like a repair/replacement I'll need over the next 70K miles; each seems to be open to interpretation by Rt 66 based on the "What's not included" lists below:

Route 66 Marketing Sheet for use by bank/credit union (does not supersede actual full agreement) excerpts:
EASY STREET

WHAT's COVERED: All items covered under the manufacturer's original coverage except for those items listed under "items not covered"

ITEMS NOT COVERED: Any normal maintenance item incl tires, wheels, struts, shocks, brake shoes or pads, rotors or drums, belts, hoses, filters, fluids, lubricants, clutch, pressure plate or clutch release bearing, tune-up items. Exhaust or emission parts, sound reproduction components, collision avoidance, lane departure warning system and safety restraint system, lighting, wiring harness, telephone, clock, television, navigation equipment. Any body parts, interior parts, trim, glass, paint, air bag system, keyless entry/anti-theft.

OPTIONAL EEP COVERAGE ($150 extra): GPS/Nav components, key fob repair or replacement with exchange, LCD screens, DVD players, satellite radios, MP3 enabled radios, stereos.

EXCLUSIONS (highlights to summary): ... Non-covered parts causing damage to covered parts... Fluid seepage is not a covered repair on all plans... Any repair or replacement t a covered part which has not failed but which a repair facility recommends or requires to be repaired or replaced.

Premium vehicles include BMW 1,3,5 series - $800 extra; Excluded vehicles include BMW 6,7,8,x,Z,M

Yes I know we've got several extended warranty threads, but reading through them I've been unable to pick out the bits that can help me decide...

[NVHoo]

Based on what you provide, they will not cover several of your items of concern. "Fluid seepage is not covered" will exclude valve gasket leaks, oil pan leaks, and any leaks associated with the turbo (which is the most likely issue with a turbo).

[Happy Jose]

On fluid seepage, does this mean the fluid lost isn't covered or what caused the seepage?

You have to query the company to understand exactly what this means. Also, the company is wise to BMW problems. You might find the terms of the contract don't really cover much concerning your One?

[Gangplank]

I have the Route66. They covered my OFHG & pulleys (I had to buy the belt), and headlight windshield washer pump, and oil level sensor. The only thing they didn't cover so far was a vacuum hose (hoses aren't covered).

I'm happy with it and would buy it again. I have a 1er w/ DCT so if that fails it's big $$.

On your list I'd expect it to cover all those if they fail.

OFHG
Valve cover & gasket
Oil pan gasket
Charge pipe
Turbocharger

[bobdavisnpf]

Gangplank thx for the good report. Is your plan the Easy St?

Credit union got back to me this afternoon - Rt66 won't sell me Easy St b/c my 2012 was manufactured in April 2011. $2800 for their Main St coverage... I dunno, seems like a big increase in risk of denials compared to the Easy St.

[Happy Jose]

So essentially RT 66 doesn't cover anything except stuff that'll never break!LOL

Compare any warranty under consideration to the BMW Gold warranty. The Gold costs around $3,800, so any equivalent warranty should be about the same money.

The warranty should be written in language that's easily understandable even by a BMW owner. If it seems some what mysterious or hard to decipher, forget it.

[Gangplank]

Originally Posted by bobdavisnpf

Gangplank thx for the good report. Is your plan the Easy St?

Credit union got back to me this afternoon - Rt66 won't sell me Easy St b/c my 2012 was manufactured in April 2011. $2800 for their Main St coverage... I dunno, seems like a big increase in risk of denials compared to the Easy St.

Yes, I have the Easy Street warranty. I got it through my credit union when I bought the car. My rough estimate is that it paid for repairs over half the cost of the warranty already at Indy shop prices.

If you have an Indy shop you use ask the service advisor if they have experience with extended warranties. Every shop I've asked including dealers say the Route66 is one of the better ones but that's just my experience.

[Gangplank]

Btw here is a link to a similar thread posted by spxxx

https://www.e90post.com/forums/showthread.php?t=1023296

[bobdavisnpf]

Originally Posted by Gangplank

Btw here is a link to a similar thread posted by spxxx

https://www.e90post.com/forums/showthread.php?t=1023296

Lots of direct experiences in that thread. Interesting to find different credit unions have different versions of the same tiers. A surcharge to cover turbo seems like a good plan.

[Happy Jose]

https://www.toptenreviews.com/servic...anty-services/

[doublevanosrc]

I also have Rte 66 and they have covered many things, so far $2500 worth of repairs(2 years).

Waterpump and thermostat
OFHG leak
Squeak hvac blower

As I recall they don't cover anything that is wear and tear, headlights and the radio system.

[hellrotm]

Originally Posted by bobdavisnpf

Gangplank thx for the good report. Is your plan the Easy St?

Credit union got back to me this afternoon - Rt66 won't sell me Easy St b/c my 2012 was manufactured in April 2011. $2800 for their Main St coverage... I dunno, seems like a big increase in risk of denials compared to the Easy St.

Shouldn’t your car fall in 8 years old or newer to qualify for Easy Street. Assuming you have less than 75k miles.

[bobdavisnpf]

Originally Posted by hellrotm

Shouldn’t your car fall in 8 years old or newer to qualify for Easy Street. Assuming you have less than 75k miles.

With my CU's main st at 2800 already, I didn't know if fighting to pay much more for easy st was the next step I wanted to take... kinda looking for a different CU, or maybe National Warranty thru a local dealer

[Gangplank]

Originally Posted by bobdavisnpf

With my CU's main st at 2800 already, I didn't know if fighting to pay much more for easy st was the next step I wanted to take... kinda looking for a different CU, or maybe National Warranty thru a local dealer

Try Penn Fed. They have the Route66 advertised on their site. (No affiliation with them I've just seen a few people use them for the warranty when I had an e60).

https://www.penfed.org/auto/extended-warranty

[bobdavisnpf]

Originally Posted by Gangplank

Try Penn Fed. They have the Route66 advertised on their site. (No affiliation with them I've just seen a few people use them for the warranty when I had an e60).

https://www.penfed.org/auto/extended-warranty

Thanks, I saw them in that thread you referred me too... I will try opening an account with them and inquiring.

[Afam28]

Route 66, Main Street...
Luckily haven't had to use it yet...

[spxxx]

I've purchased 2 policies from Route 66 since 2013...

I purchased the middle tier Rt66 plan on my E92 335i (they covered oil seepage from my oil pan because my Indy stated that it could lead to catastrophic engine failure which Rt66 would then need to cover). They also covered turbos, coil packs, Vanos, and many other items adding up to over $8k. Many of which were not explicitly listed on their covered item list.

I most recently purchased their top level plan for my 135i (car must be under 50k miles I believe) and they covered repairs up until I hit my car value limit of $14,000... This includes turbos, fuel pump, many sensors, injectors, water pump & many other small items that I purchased myself at the dealer (installed myself and reimbursed after I sent them a screenshot of the dme codes) and received a refund check by just sending my receipt to them.

Every Indy I took my car to during my 6+ years of N54 ownership has told me that they were surprised how easy Rt66 was to work with and how quickly they settled claims.

For reference, 6.5yrs of ownership + 125k miles of driving across 2 N54 cars they covered nearly $25,000 if repairs including small "preventative issues" like oil pan seepage.

I highly recommend them, I did SOOO much research before paying for the warranty because I thought they were all scams but Rt66 is the real deal. Try your best to get the top tier coverage if your car qualifies.

In all cases, an exclusive policy (everything is covered unless explicitly stated) will be better than an inclusive policy (only things explicitly stated are covered)

[Gangplank]

As an update my Route66 covered another couple issues. I think it's about paid for itself now.

Updated List w/ estimated costs:
$800 OFHG + Tensioner & Pulley
$200 Oil level sensor
$1000 Washer nozzle & pump
$325 Headlight washer reservoir
$950 Oil Pan Gasket (Route66)

[Happy Jose]

I have the BMW Gold extended warranty. I got a BMW dealer to discount it $500. The reason I bought it was the terms or what was covered was clearly stated. I looked at the conditions or terms of other warranties and decided they were too confusing or difficult to understand.

So far I have had the following repairs done:

A fuel injector replaced.
OFHG (2 gaskets) replaced
Valve cover gasket replaced

My car now has 44K miles, and the warranty will expire 5/22/20. I figure it'll have 50K miles on it by the time of expiration. A couple of weeks before that I'm going to have the dealer put it on a lift, remove the plastic covers, and have them inspect the oil pan, transmission, and water pump for leaks.

The transmission had the side plate gasket and mechatronic sleeve replaced a few years back. If all is good, it'll probably hold up for the remainder of its life.

I did a survey of extended warranties looking at their cost and the protection they provided before I bought the Gold. In every case, the Gold cost more, but it covered everything that was liable to break. The terms weren't conditional. That is the repair might be excluded under some flaky circumstance.

If I have one more repair, I'll likely break even on the cost of the warranty. Even if I lose a couple of dollars, I've enjoyed peace of mind over the warranty period. Also since I've already paid for the warranty, I don't have to worry about coughing up the dough for the repair.

I think many owners aren't fully aware of the reality of BMW ownership. First it's an expensive car. Next it isn't a very reliable brand; although, its reliability has improved in recent years. Maintenance and repairs can be very expensive depending on the model. The cars rapidly depreciate, so one should never use the word "investment" when rationalizing ownership. I think the best reason for ownership or word to use when buying one is "entertainment". When you are no longer interested in enjoying the ride and 100% focused on practicality, you need to spend your coin on something like a Corolla.

[bobdavisnpf]

Pen Fed tried a couple times to get Rt 66 to sell me the top plan, bc I'm well under the miles for it, and it had been covered under a BMW Gold plan til Oct 2018 - but no dice, the longer-miles, less-covered was all they would offer. I tried another broker - National Something-or-other, that my shop said was always good to work with; they also would only offer their longer-miles, less-covered plan (and for $6K at that!)

The less-covered plans all have fine print that leaves me feeling a great many repairs would see little to no contribution. It might have been a good investment, but so far I've opted to pass.

At this point, even the 2013's have just a couple months left to pick up a top plan; by next year we will all be relegated to the 2nd tier.

[swunder]

I have the Easy Street, been great for the few things I needed the first year.

$3500 is nothing over the course of 5 years/50k miles (for me starting at 50k) for what will be a 10 year old BMW at the end. The piece of mind and being able to go straight to the dealer for most issues is excellent.

This type of fine print is actually good for you -- being exclusionary it covers everything not specifically listed. I don't see why or how they could deny anything you listed.

"Exclusionary Warranties Are Better
Two types of extended warranties are usually available: inclusionary and exclusionary. We strongly recommend exclusionary warranties, as they're more comprehensive. Usually, they list precisely what they don't cover, while inclusionary warranties only cover the mentioned items."

[Happy Jose]

Originally Posted by swunder

I have the Easy Street, been great for the few things I needed the first year.

$3500 is nothing over the course of 5 years/50k miles (for me starting at 50k) for what will be a 10 year old BMW at the end. The piece of mind and being able to go straight to the dealer for most issues is excellent.

This type of fine print is actually good for you -- being exclusionary it covers everything not specifically listed. I don't see why or how they could deny anything you listed.

"Exclusionary Warranties Are Better
Two types of extended warranties are usually available: inclusionary and exclusionary. We strongly recommend exclusionary warranties, as they're more comprehensive. Usually, they list precisely what they don't cover, while inclusionary warranties only cover the mentioned items."

That's some very strange logic. I'd rather have a warranty that tells me specifically what is covered. Telling me what's excluded says nothing about what isn't. I'd call it a Mystery Warranty and mysteries are always full of surprises.