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Discussion Starter · #1 ·
Just bought a 2003 Passat Variant W8 from the original owner last month. The car has 26K miles on it right now and will be garage kept. I will do all oil changes, air filters, cabin filters, etc myself. The car drives like new, and after spending over 30 hours cleaning it, it looks new too. I have one year still left on the bumper to bumper.

Volkswagen is offering a 5yr/100K mile extended bumper to bumper warantee for the car, which would cover it until 12/31/2011. I don't commute to work, so this car will likely see about 7K miles per year for the next 5 years. The car will be 8 years old with roughly 60K-ish miles on it. The extended warantee is $1818 + tax with a $100 deductible for each repair, or $2088 + tax with no deductible for warantee repairs. If I don't act by 12/31/06, I can't get the 5 year coverage, I can only get the 4 year and it actually costs more!

Question: am I likely to need nearly $2100 in repairs over the next five years with such low miles planned? I just read through the thread detailing maintenance costs: some make it sound like I don't need it, other posts are more concerning.

Thoughts and opinions welcomed.
 

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If you like to gamble go to Las Vegas. If you buy a W8 buy the waranty.

I bought one for my '04 W8.
 

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Yes on an extended warranty.
Like all insurance it is a crap shoot.
Never use it and you'll be kicking yourself - but if you need it, you'll wish you had gotten it.

Already loving the spinner.dk/W8 website (BlueSteW8)
 

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Not only do you have the b2b as you state but you also have a 5 yr / 60k miles on the powertrain. I'd wait until at least the b2b is about to expire and then re-evaluate whether you think its desirable to shop for an extended warranty at that time. If your only going to drive it 35k in five years for a total of 61k miles, I wouldn't spend the money on an extended warranty. Heck, if after one year the car is a lemon, sell it and you've still got $2000 cash in your pocket less a years depreciation which will probably be no more than $2000 given the low miles.
 

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Discussion Starter · #8 ·
Here's the kicker on the extended: I can't get the 5 year once the calendar clicks over to 2007, VW only offers the 5-year on 3-year or newer with 36K miles or less. The uber-kicker is that the four-year is $300 MORE than it would cost me to buy the 5-year one today! So if I'm going to get the warantee, it seems the best bet is to buy the 5-year one before baby New Year appears in a diaper.
 

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You have one year on the B2B left. Get it NOW, because the closer you get to the end of the B2B, the higher the price of a service contract goes. This is standard throughout the industry.

Also note, the so-called "VW Extended Warranty" the dealer or whomever is trying to sell you is not insured or backed by VW. The warranty that comes w/ CPO'd vehicle is insured by Fidelity/JM&A. It just has a fancy VW or Audi stamp on it, but does not list them as the insurer! The other problem with it...it does not cover wear and tear beyond 50k odometer miles. Read the fine print. So the scenario, you buy the "so-called VW extended warranty" prior to your B2B ending, the [email protected] goes, and so does the wear and tear coverage on the extended warranty. Essentially you are wasting your money. And mind you, wear and tear is an important part of a service contract. If those CV joints, control arms, or tie rod ends go it would not be covered without a wear and tear clause in effect.

One other thing, if the vehicle is not CPO'd and this is just some VW dealer trying to sell you some other service contract, be very leary. I had a local VW place try selling me a Continental Service Contract. After searching, they have alot of BBB complaints and are notorious for not authorizing/paying for repairs.

There are only a handful of directly insured service contracts on the market. The rest are covered by "risk retention groups" and "reinsurers," most of whom reside outside the U.S.A. and are not regulated by insurance laws.

Quite a few W8 and PW owners have purchased service contracts from The Auto Club and not one complaint. Check out the post from Walter Mitty in the link I provided in the post above. His CV joints were replaced w/ a $0 deductible. The bill was for $1183! Now the W8 has a very unique engine. If something should happen...you may need a second mortgage to get it fixed. And sure, the powertrain covers the engine for an extra 1yr/10k miles, but as I stated the closer you get to the end of the B2B the higher the cost of a contract goes. Some places won't sell you a contract beyond the B2B.

With the W8, GET AN EXTENDED WARRANTY! This is not a mass produced car with cheap and easily accessible parts. The Auto Club can finance it with a 0% apr and has contracts for 7years/100k miles for similar pricing the VW dealer quoted you. Plus you'll be covered for 2 extra years by a better service contract that is directly insured with Nationwide Insurance and Mercury Insurance Companies. That means you're covered until 2013!
 

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bofus, READ the info W8inde provided in the link.
He has done more research on this subject than anyone here that I am aware of.
GET the extended warranty (I also went with the Auto Club)
Its going to run you about $2000 for 5 or 6 years (forget which one I got) and up to 100K miles.
 

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Discussion Starter · #11 ·
The financing person at VW told me that since it is less than 3 years old, they can offer a b2b warantee with 5 years and/or 100K miles, whichever comes first. No mention of wear-and-tear items not being covered after 50k miles. I will do some investigating before purchasing from VW.

They also told me it was transferable with the car should I choose to sell it and that I can take it to any vw dealer for service. I just had the dealer replace the peeling clear plastic bumper protector (variant, obviously) and it was no charge since it was covered under b2b. I assume this would also be covered if I bought their extend-o-rama.

I will ask for more information before buying and check with the autoclub deal. I assume I can take it to a VW show and autoclub just pays the bill, or do I have to pay first them submit a claim to autoclub. I'm a little fuzzy on the details.
 

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The financing person at VW told me that since it is less than 3 years old, they can offer a b2b warantee with 5 years and/or 100K miles, whichever comes first. No mention of wear-and-tear items not being covered after 50k miles. I will do some investigating before purchasing from VW.

They also told me it was transferable with the car should I choose to sell it and that I can take it to any vw dealer for service. I just had the dealer replace the peeling clear plastic bumper protector (variant, obviously) and it was no charge since it was covered under b2b. I assume this would also be covered if I bought their extend-o-rama.

I will ask for more information before buying and check with the autoclub deal. I assume I can take it to a VW show and autoclub just pays the bill, or do I have to pay first them submit a claim to autoclub. I'm a little fuzzy on the details.
The Auto Club will pay the bill with a credit card. There is no out of pocket repair costs for covered components, except the deductible you chose ($0, $50, etc). With the service contracts sold by The Auto Club, you can take it to any ASE certified shop. This gives you much more flexibility for repairs as it enables you to go to VW/Audi indy specialists, as well as VW dealers.

Tell the VW dealer you want to review the actual service contract. Look closely at whom the obligator (party who is responsible for paying the repair bills) is. It won't be VW/Audi, I guarantee that. Read through every page and clause (fine print). If they hand you a one page document, that's not the contract. If they tell you they don't have a contract to look over...RUN!

As far as you clear plastic peeling and being covered, it was covered under the VW manufacturer's B2B warranty (4yrs/50k miles). However, no extended service contract will will cover that type of repair after the manufacturer's runs out.

With The Auto Club, your contract is transferrable and you can cancel it at anytime and receive a prorated refund.

Your dealer is out to make money and will tell you anything. As for me, I am impartial with respect to whom you buy from. Sure, I would receive a $50 referral check from The Auto Club for referring you, but I could care less about it. Don't tell them about me. I just want to make sure all members receive the best protection. Remember, it's who the contract is insured by, not who sells you the contract. You are buying a contract insured by Natiowide Insurance Group or Mercury Insurance. These are marquee names in the insurance industry. Same as if you buy a TV from Sears or Joe's Electronics. When the TV breaks with the limited warranty period, Sony is the only one who will help you. Sears and Joe are out of the picture. So you buy a TV based on the manufacturer's reliability and customer service rating.
 

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You definitely want one. I've only had my Passat (an older one, and not a W8) a few months and I think the warranty has already nearly paid for itself...
 

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Discussion Starter · #14 ·
As far as you clear plastic peeling and being covered, it was covered under the VW manufacturer's B2B warranty (4yrs/50k miles). However, no extended service contract will will cover that type of repair after the manufacturer's runs out.
Well that just doesn't make sense. You can't call it bumper to bumper if it doesn't cover everything that a manufacturers bumper-to-bumper covers. That, to me, is false advertising. I'm going to talk with the autoclub people and the VW people to see what they cover and what they don't. To me, anything covered by the 4/50 b2b factory warantee should be covered by an additional 5/100 warantee; otherwise, it doesn't make a lot of sense.

"Back in the day," extended warantee stuff was almost a waste of money. I had several friends who bought them hoping to cover unexpected expenses only to find the perverbial way out by claiming it's a normal wear-and-tear item.

Is any of the following covered by an extended bumper-to-bumper:

Fan belts
Coolant hoses
Vacuum hoses
Brake pads (I know these aren't)
Rotors
Xeon Headlights - either burnt out or leaking water
CD changer
O2 sensors
Replacement carpet should a drain get plugged
CV joints/boots
Control Arms
Tie-rod ends
Water pump
Wheel bearings
U-joints
 

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Whatever. No one is calling it a B2B except your VW dealer. I've been doing this a long time. B2B refers to your original manufacturer's warranty. No extended warranty is going to cover "peeling." That's a manufacturer's defect. That's like asking if my paint starts to fade are they going to cover it.

As far as what's covered, call The Auto Club or whomever. Do a search. This has been covered from top to bottom. You need to be realistic. No one is going to cover carpets, brake pads, rotors, headlights. These should be checked and replaced at your discretion.

Depending on the service contract you buy, CV Joints, control arms, tie-rods, CD changer (w/ an electronics coverage), water pump, wheel bearings, and U-joints would be covered.

From what I have heard, a W8 water pump replacement alone can be very costly.
 

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W8inde's research on Extended Warranty coverage has been top-notch! Trust me, you don't want to own a W8 long term without coverage. My 2003 (2002-build date) W8 had multiple items covered under my Extended Warranty after the 50,000 mile mark. Replacement of my airbag and rewiring of my steering wheel controls and radio paid for the cost of my warranty.

Not all Extended Coverage is the same so do your homework. One issue I encountered with my VW Masterguard (no-longer available) coverage was the use of pro-rated time and parts. When my radiator started leaking, my coverage paid the pre-approved cost for a VW Passat Radiator (1.8T/V6) which is $90.00 cheaper than the unit for the W8. Guess who covered the difference? The other issue is book time vs. real time and what your mechanic charges against what the warranty company is going to pay. A quality Extended Warranty will cover the REAL COSTS of the repairs when using an approved Service Center! Any company we've recommended on PassatWorld and Vortex covers the REAL COSTS! I've had axles replaced at 60,000 miles fully covered by my warranty and installed by a VW Tuner! Plus they even covered the cost of a rental, each time my car was in the shop.

Roll the dice if you like, there's quite a few 2nd generation W8 owners who are going to get smacked in the mouth by Goldie "The Pimp" when a major repair comes up.

Just 2 cents.. Peace and blessings,

Will aka The Swami
 

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No one covers hoses, belts, brake pads, bulbs, wiper blades, filters, rotors, etc.
Some warranties "upcharge" for added protection, like "technology" that would cover DVD/NAV, HIDs(but not the bulbs most likely), etc.
Mine had an upcharge for "AWD".

I decided on an extended warranty BEFORE I even started looking for a W8.

Even then I was picky - 33,500 miles on a 2003 sedan, all 4 services logged in the owner's manual (5k, 10k, 20k, & 30k).
*edit* my warranty runs 60 months/ 60,000 miles from the time I bought the car - 9/18/2006 or 93,500 miles
 

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Also don't forget that VW calculates your factory warranty coverage based on your vehicle's original in service date. You're going to hit the dates well before mileage limits, and it is which ever comes FIRST, not last. My 03 W8 wagon only had 14K on it when I bought it last month, but the original btb will expire 3/27/07. It is a CPO car and the cpo only got me for $400 bucks through the dealer, but I'm still considering an independent warranty. We all know what good VW's warranty can be. I've found that most companies price the warranty much cheaper if it is taken prior to expiration of the factory coverage. I have a quote from one company that is based totally on years of service with no mileage limitations. I'll have to dig it up. It was slightly more expensive, but I really read through the fine print and it seemed pretty tight. the only things I could find that it exclused was regular wear out on pads, oil, and normal tire wear. Tire wear caused by covered suspension failure or abnormal wear WAS covered. That's how comprehensive it was. Soon as I recover from dropping my downpayment, I'm gonna get the 3rd party warranty.
 

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Discussion Starter · #19 ·
I do really appreciate everybody's comments and opinions.

I spoke to the Auto Club extensively yesterday on the phone and came to realize what an extended warantee is and what it is not. James at Auto Club says it is unfortunate that VW uses the term b2b to refer to their extended warantee because it can cause the confusion I had over what you get with that and what you don't.

Because of my low miles and low-anticipated miles, James is recommending a 6yr/72k mile warantee that is about on par cost-wise with the VW 5yr,100k version. Cheaper, actually, because I don't have to pay tax on it.

I'm still a little confused when they can throw the "secondary damage" curve ball at you. For example, a moon roof with a crack in the glass is covered, but not any damage caused by water that got past the crack. Heated seats are covered, but not the leather it could burn through.

I do belive that the W8 is likely worth the added insurance just because they shoe-horned in a pretty big engine into a small space. Things can tend to overheat in those situations. From the previous owner, I have a warantee receipt for replacement of coolant lines to the alternator, that means it is pretty hot under there if the alternator needs coolant running to it.
 

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Discussion Starter · #20 ·
In case anyone is interested in my decision: I opted to buy the extended warantee from the auto club guy james for 6yr/72k miles. If I didn't have the big motor in the small engine bay, I would have likely not bothered with it. The possibility of a big coin repair won out, and I now have some peace of mind regarding going into the poor house should anything major occur.

I predict that I will not need to use it for the following reasons:

1) car is garaged year round - garaged cars tend to hold up better
2) car is not used for commuting - wife works from home
3) car will get 6k/yr on it - at end of warantee, should only have 50K on it
4) car will be meticulously maintained, where possible, by me
5) passatworld maint tips - cabin filter water leak, sunroof leak, etc

I would like to thank everyone here for their suggestions and helpful information regarding my query. Ted, I gave James your name as a referral. Happy Festivus!!!
 
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