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Atropine · 08-31-2015, 10:01 PM

I am 100% against it...

Back in 2008, I bought a used 2001 Boxster S (65k miles got the car for $15k which I think/thought was a good deal) and bought an extended warranty (because I was afraid of Porsche stuff costing a lot)...no the infamous IMS Drive did not go out or anything...but...

But, my taillight went out.

So I make a claim...

They approve this as a $110 fix. The mechanic explains that this will cost $160 (parts+labor)

I have to pay a $100 deductible.

So I paid $100 of the $160 dollar bill...

Later one of the little motors on the Convertible Top goes out...

So I make a claim...

They say its a $230ish claim...

Mechanic points out the part is $350 plus installation...

So I pay $100 deductible...they pay $230 and I am still left with a $20 gap...

I talk to mechanic about my coverage...he then finds out other motor is "broken" and get them to replace that under same workorder...uses that additional money to the claim to $460 and that covers me all together (because that motor was weak/going out) and labor he kept the same (so same 100$ deductible)

I then had him go over my coverage, specifically the IMS Failure (since this is a car forum, I assume you guys know what I am talking about).

The policy I had DID NOT COVER THAT AT ALL. I was expected to go aftermarket get that retro-fitted out of pocket (which is ok...) BUT if I did that, I was considered I was "modding the drive-train, therefore everything drive-train related would not be covered due to me voiding the warranty.

TLDR version:
They under compensate...deductible is usually on the high end for cheaper claims...
And they look for any reason to deny your claim.
I do not recommend.

The BRZ/FR-S are not exotic cars...they handle great and look great, but they are Subaru/Toyotas. They are built to last...and do not cost that much to get fixed.
Also if something does break...look for a 3rd party to put the onus on you to prove it wasn't from abuse (and we all bought these cars for spirited driving...)

08-31-2015, 10:01 PM	#15
Atropine Senior Member Join Date: Oct 2013 Drives: 2021 Toyota Supra 2020 4Runner Location: New Plymouth, ID Posts: 701 Thanks: 1,396 Thanked 829 Times in 346 Posts Mentioned: 9 Post(s) Tagged: 0 Thread(s)	I am 100% against it... Back in 2008, I bought a used 2001 Boxster S (65k miles got the car for $15k which I think/thought was a good deal) and bought an extended warranty (because I was afraid of Porsche stuff costing a lot)...no the infamous IMS Drive did not go out or anything...but... But, my taillight went out. So I make a claim... They approve this as a $110 fix. The mechanic explains that this will cost $160 (parts+labor) I have to pay a $100 deductible. So I paid $100 of the $160 dollar bill... Later one of the little motors on the Convertible Top goes out... So I make a claim... They say its a $230ish claim... Mechanic points out the part is $350 plus installation... So I pay $100 deductible...they pay $230 and I am still left with a $20 gap... I talk to mechanic about my coverage...he then finds out other motor is "broken" and get them to replace that under same workorder...uses that additional money to the claim to $460 and that covers me all together (because that motor was weak/going out) and labor he kept the same (so same 100$ deductible) I then had him go over my coverage, specifically the IMS Failure (since this is a car forum, I assume you guys know what I am talking about). The policy I had DID NOT COVER THAT AT ALL. I was expected to go aftermarket get that retro-fitted out of pocket (which is ok...) BUT if I did that, I was considered I was "modding the drive-train, therefore everything drive-train related would not be covered due to me voiding the warranty. TLDR version: They under compensate...deductible is usually on the high end for cheaper claims... And they look for any reason to deny your claim. I do not recommend. The BRZ/FR-S are not exotic cars...they handle great and look great, but they are Subaru/Toyotas. They are built to last...and do not cost that much to get fixed. Also if something does break...look for a 3rd party to put the onus on you to prove it wasn't from abuse (and we all bought these cars for spirited driving...)