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Discussion Starter #1
Are the following out of pocket (post warranty) costs typical? I budgeted $2500/yr for gremlins before I bought the car and I'm up to $5000 this year (6 months actually).

a) Clutch Release Bearing; $900<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:eek:ffice:eek:ffice" /><o:p></o:p>
b) Clutch Position Sensor; $900<o:p></o:p>
c) *ABS/DSC Module; $1900<o:p></o:p>
d) *Remote Key Sensor; $500<o:p></o:p>
e) *Broken Windshield; $800 (from rain on a hot July day..NO rock chip)<o:p></o:p>
f) Downtime in the last 24 weeks 8 WEEKS (33%)<o:p></o:p>
TOTAL COSTS (in the last 6 months, 2000 MILES) $5000

Not including;
g) increased tax/tag/title/93-octane/$400 Tune-Up/2x $180 Oil Change
h) 4x Yokohama Tires @ $1200
 

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why didn't you get an aftermarket warranty?
 

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Discussion Starter #4
There are plenty of complaints about poor coverage from aftermarket warranties which is why I am curious what out-of-pocket-out-of-warranty costs are running everyone.

Aftermarket warranties seem to be running $3500-$5000. I paid $5000 this year in repair costs. Warrantors make their profits by Sales, net of Claims. So some simple math and information-sharing can tell us whether warranties are a good deal.

Has anyone kept an account of their annual costs?
 

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I just put out nearly 4k on a 2/24 with EasyCare...so based on your out of pocket...it would of been a wise route.
 

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Extended warranty's are so nice..or....should I say A "GOOD" extended warranty is nice....
 

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I've only had my car a couple of months...

I've only owned my 2008 M5 6-speed for a couple of months and it is still under the factory warranty, but it hasn't needed anything besides the following. I replaced the stuff myself because who wants to wait around a dealer for an hour for them to change a light?

So far I've spent:

Passenger side Angel Eye bulb: $14.00 US
Quart of 10W-60 oil: $13.00 US

I'm glad that BMW changed the design of the angel eye. My 2005 530i had a dimmer light for the light rings, but the 10w bulb was $40 from BMW because it came pre-focused in a plastic reflector housing. The new design is brighter, but the H8 35W bulb can be bought at any auto parts store for around $15.00US. Thanks BMW! (But if my VANOS craps out after warranty I will be cursing you....)

Also, I pulled up the service history of the car before I bought it, and the only thing that it had been in the shop for (besides normal maintenance) was another light bulb failure (apparently the driver's side angel eye).

-Dave
 

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UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title"/> <w:LsdException Locked="false" Priority="37" Name="Bibliography"/> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/> </w:LatentStyles> </xml><![endif]--><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> A lot of people really believe in the idea of saving warranty-purchase money in a hold account for rainy days. Well this works great with cars built around reliability but not necessarily with cars designed for performance. This makes finding a good after warranty an important yet almost impossible task. By 'good warranty' I mean an exclusionary warranty that PAYS and has a long year/mileage span and shouldn’t cost more than the car!
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OP, Your repairs seem to be residual from previous ownership so hopefully you will be worry free for some time..
 

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Yeah, I thought I wanted the BMW Warranty but from what I am seeing now, I may be better off with a 3rd party warranty. I want something that will cover the Vanos and all aspects of the SMG with no hassles and it will have a 4/48 lifespan. Cost is not an issue.
 

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That really sucks you had to pay out of pocket so soon. Cut your losses by getting a aftermarket warranty. Your best bet is to get one from the dealer you plan on going to.

sidemarker
 

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The Zurich warranty I got from Vishal 6 months ago just paid $1000 for
the power thigh extenders on my 2006. And get this, only the driver's was
bad, but my SA told Zurich the passenger side didn't sound too good so they
said replace it. Very happy with the outcome and total experience.

:1:
 

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There are plenty of complaints about poor coverage from aftermarket warranties which is why I am curious what out-of-pocket-out-of-warranty costs are running everyone.

Aftermarket warranties seem to be running $3500-$5000. I paid $5000 this year in repair costs. Warrantors make their profits by Sales, net of Claims. So some simple math and information-sharing can tell us whether warranties are a good deal.

Has anyone kept an account of their annual costs?

Some even simpler math tells me that you have paid more for repairs in 6 months than you would have for a really good aftermarket warranty (that would still cover your car for another 3 years or so). A quick survey of M5board tells you where the safe money bets on this one.

So far, expenses covered by my aftermarket warranty (which cost about 3000) are:
VANOS line approx $3200
Alternator (intermittently overcharging at 17.9V) $800 plus labor and diagnostics (conservatively call it $400 more - it's still in the shop) = $1200
Battery (failed due to alternator issue) $379
Total: approx $4800
Total out of pocket: $150 deductible

Disclaimer: The prices for parts above are not what I would have paid had I been on the hook for it. Dealers in the Seattle area typically charge 30-70% over MSRP (except for the battery which is closer to 300%). Getbmwparts.com is by far the way to go if you buy your own parts or maintenance supplies. Oil change kit is $140 SHIPPED. Only has 9 liters of oil so it's a good idea to buy an extra

Other expenses:
1 oil and filter change last year (self performed. A second was done when they repaired the VANOS) $125
Front Brakes due in 2200 mi + Rear brakes due in 3000 mi = $2500-$3000
Oil and filter in about 3 months = $155
Cabin air filters = $90

You would be hard pressed to find someone on this board tell you an aftermarket warranty isn't necessary. Conversely, you would probably be hard pressed to find one to tell you the extended service plan is a good deal. Even under original factory service, so many maintenance items are recommended at such lengthy intervals you might get things done once before it runs out. It probably comes out about even (or worse) for extended service plan. Of course, if you do any work yourself you can come out even better. A good example are the cabin air filters. Dealer quoted $255. I got the parts from Tischer for $90 and swapped them in 20 minutes with my daughter in one arm.
 

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Discussion Starter #13
Easy Care Warranty just gave me a quote for a 3 yr warranty $5500

44,000 miles, 06 M5

I'm going to look into Zurich and Fidelity
 

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I don't know how much truth there is in it, but I've gotten the impression that BMW tends to balk a bit more to make repairs that should be covered when the money is coming out of their pocket (since the money comes from BMWNA and not the dealer, they don't have a ton of discretion here). For example, if you take your car in and they say that your car has had a certain failure and they won't cover it under your EasyCare policy because you clearly caused the failure through your own negligence or abuse of the car. Now you have to either pay it or fight it. Either of those choices suck. If you have a third party warranty, the dealer could give a damn if the failure occurred due to negligence or abuse and as such have no motivation for pinning one of those down as the likely cause. If there isn't some painfully obvious issue that prevents them from doing it, they are going to tell you warranty that the car had whatever failure and part needs replacement and try to get it covered in the fewest steps possible. My SA tells me that when BMW pays for a repair the parts go back for inspection and the results of that inspection could determine whether or not they actually pay for it (such as if they determine the failure was caused by negligence or abuse). Then you are on the hook after the fact. I've had good luck with my warranty company paying for things and my SA has done a decent job getting them to pay. I've had a couple of things that I had to push to get covered, such as the VANOS line. They apparently rubber stamp no on everything that says "line" in the name unless you request an exception from a manager. The additional advantage of third party is that they tend to be less expensive than EasyCare.
 
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