Purchased extended warranty!

[Guest wally888]

Nissan offered 5 levels of coverage, offered by Fidelity Warranty Services,Inc.-Power Train, Silver, Gold, Gold Plus and Platinum. I chose the Platinum which seems to replace the existing "new Warrenty" that is expiring. Plan is for an additional 5 years and/or 60,000 miles, whichever comes first. Initially was $2038 but finally bought for $1838.

The hooker- Deductible was never mentioned so I assumed (there is that word again) it was zero! Now reading the small print I see I selected ( never mentioned, dealer representitive selected) $100. This is not the end of this story!

[charlie1]

that is a great Warranty company based on my experience. I purchased the Platinum when I purchased my used 1999 Riviera a few years ago. My preference is GMPP Major Guard BUT could not get it on a used Riviera. Fidelity repaired a number of oil leaks and a noisy Supercharger along with a coil pack without a question. Their was no deductable because I returned to the selling dealer for repairs. If taken somewhere else the deductable is $50.

This warranty will be as good as your dealer.

I am thinking about purchasing the Powertrain warranty on my Northstar once GMPP expires the end of this year. It is big bucks BUT nice part is the term of the warranty begins on the date and mileage when it is purchased.

Edited August 26, 2011 by CHAS1 (see edit history)

[Guest wally888]

My deductible is also zero if I use the dealer who sold me the car. $100 elsewhere......soon to change, I hope.

[charlie1]

One further comment. Several years ago I purchased a extended warranty from Warranty Gold. Right after I purchased it for about $3500 the company declared Bankruptcy. I called my credit card company and after a short investigation they issued me a credit for the full amount. My investigation with Fidelity is that they are Solid. Seems they must have a relationship with Nissan dealers since the dealer that sold me my Riviera has a Nissan franchise as well.

Good Luck

[reattadudes]

Wally,

I have a 2008 Nissan Titan, as well as a 2010 Nissan Armada. I purchased both new, and both with the Nissan Gold+ extended warranty.

after I read your post, I checked both warranties and neither said they were administered by Fidelity. on both service contracts, it just says Nissan. you might want to check and make sure your application says "Nissan" on it. if it doesn't, it's not a Nissan warranty

it is also strange that even on the Nissan website they only list gold and silver as their top warranties, with no mention of Platinum. another thing is with the deductible. the Gold+ that I bought with both vehicles only offers a zero or $50 deductible, not a $100 deductible.

I paid $1586 for each of the warranties, with a $50 deductible.

just make sure you bought what you think you've bought. dealers hate selling factory extended warranties for two reasons:

1) the aftermarket warranties make more money for the dealer.

2) there have been so many problems with dealers "packing" the cost of factory extended warranties (selling them far above the retail price) that the factory now requires the actual consumer cost of the warranty to be entered on the extended service contract, and the customer must initial it.

the aftermarket warranties are cheaper, and the aftermarket companies never ask what it was ultimately sold to the customer for.

a word of caution: AutoNation dealers are especially adept at doing this. a good friend of mine is the General Manager of a Nissan dealer, which also happens to be owned by AutoNation. I started getting letters from AutoNation wanting me to buy the extended warranty they offered, which happened to be underwritten by Fidelity. they didn't even bother to check and see I had already purchased a factory extended warranty.

this really irritated me, as I didn't buy a Fidelity, but a Nissan. I called the main AutoNation office in Florida and talked to the head warranty administrator. I asked her 2 questions, point blank:

1) did the aftermarket warranty they offered thru Fidelity have the "two week rule" (company reserves the right to have up to 14 days to physically verify the claim before allowing repair) written right into the contract?

they did.

2) was the warranty good at ANY Nissan dealer or independent repair facility?

no. the agreement Fidelity had with AutoNation ONLY covered work done at an AutoNation dealership. there are not AutoNation dealerships everywhere.

I asked about trip interruption protection, a feature offered by all manufacturer's extended warranties. they offer nothing.

Wally, just make sure your warranty application has "Nissan" written all over it as the administrator, and you should be fine.

whenever a dealer says, "it's just like the factory one", it isn't.

Mike Rukavina

buickreattaparts.com

Edited August 27, 2011 by reattadudes (see edit history)

[Guest Kingoftheroad]

I usually only take the 3yr / 36k mile warranty (or whatever comes with the vehicle) when I buy a car. I've only purchased an extended warranty once, and as I expected might happen, I never needed it. Don't know that I'd buy another one.

[charlie1]

Fidelity Warranty services has nothing to do with Nissan. They are a stand alone warranty company located in Deerfield beach Florida. My experience with them has been good.

[Guest Kingoftheroad]

I've always heard its best to go with the warranty provided by the company / dealer where you bought your vehicle. Less chance of rejection or complications when it comes time for payment from warranty work done.

[charlie1]

I prefer GMPP with a Zero Deductable. As I stated earlier it was not available on my used 1999 Riviera therefore I purchased the Fidelity Platinum and had the selling dealer do all the work, the deductable was zero and they were happy to do the work. It was a win win.

[Guest Recian]

The nissan preferred gold + is their top warranty. There's nothing above that. It's a 100k mile warranty with $50/$0 dedictable depending how much you pay. in your titan/armada's case pretty much everything is up to 100k. If you had a maxima like wally or a altima or sentra with a CVT that would be mandatory 120k . I deal with extended warranties on a daily basis and the aftermarket onesyou have to be careful. There's only one we have good luck with and sell alot of but for the life of me i cant remember it's name. I would remember it if i heard or saw the name. Theyre honestly nodifferent than insurance companies. They'll charge a deductable and if its say a engine or trans repair they'll make us tear it down and come out to look at it. Nissan's gold warranty works just like the 3/36 it fails we replace it case closed

[Guest wally888]

The plot thickens!

Nissan dealer said Fidelity was all they offered, 5 plans-powertrain-Silver-Gold-Gold+ and Platinum.

I chose Platinum.

Called dealer and was told I could upgrade from $100 deductible to zero for about $150.

Reading last few posts guess I'd better explore a Nissan Warranty.

[charlie1]

You may want to check and see what the refund amount will be. The quicker you cancel it the larger the refund. They may even have a 30 day grace period where you get a 100% refund. As I said Fidelity has been good to me. If you have a good relationship with the selling dealer let them do the work and you do not have to worry about the deductable.

Good Luck

[Guest wally888]

My original factory warranty does not expire till end of month.

My concern re. the $100 or any deductible is a problem while on a trip.

I'm hoping when I tell them I want to cancel they will offer zero deductible for the same price I paid.

[charlie1]

As you know you have to purchase a extended warranty before the end of your Bunper to Bumper. You are calling it close.

Good Luck

[reattadudes]

Wally,

I added substantially to my original post yesterday.

ask to speak to the General Manager, and tell them in no uncertain terms you want a Nissan warranty ONLY. I guarantee they have the information there. every franchised Nissan dealer offers the warranties. they'll try to work you, and tell you "it's just as good as the factory one".

be unbending. if they give you a hard time, take your business to another Nissan dealer. ask to see the finance director, and tell them you want a Nissan Gold+ warranty.

as I mentioned, they love to sell the aftermarket warranties because they make more money.

I paid $1586 each for both of my Nissan Gold+ 100,000 mile/5 year warranties with a $50 deductible.

I don't know what the advantage would be to have them add a zero deductible to a warranty that would leave you stranded for up to two weeks (with no trip reimbursement) while you waited for them to come and examine your car at their leisure, as Recian had mentioned.

even then, you have better than a 50% chance they'll deny the claim. even if they approve it, they have the right to install used or aftermarket parts.

the Nissan warranty will give you instant repairs with new Nissan parts, and pay for your trip interrruption, hotels, meals, and a rental car if you need it.

if you have the factory extended warranty, most dealers will go out of their way to repair your car if you're on a trip. they'll even move out a vehicle they're presently working on just to get you on your way.

aftermarket warranty? they won't even start, because it could be weeks before the warranty rep comes out, and there is a very good chance they'll deny that claim anyway.

Mike Rukavina

buickreattaparts.com

Edited August 28, 2011 by reattadudes (see edit history)

[Guest wally888]

Called a couple other Nissan dealers. One offered the Nissan top of the line coverage for about the same price as I was paying for the Fidelity Platinum w/ $100 deductible.

I called my dealer back (where I bought the car new, local), told then I was going to cancel. Bear in mind we had had words before about their selecting a deductible of $100 for me! He decided to issue me a new warrenty , Platinum with zero deductible for the price I had paid for the $100 deductible.

They have more prices than a Days Inn (I was once told by a Days Inn manager he had 33 different prices for the same room!)

So, in the end I paid $1838.

Initially I was given a price Of $2038, then $1938, then $1838 for the Platinum Plan w/ $100 deductible. All plans/quotes were for an additional 5 years or 60,000 miles whichever comes first. I'm 80 and have driven the car only 20 k miles in 3 years.

There are 14 different selections for length and mileage!

God only knows what was their bottom line! I like most just got tired of dealing w/ them as most car buyers do.

This is a good dealership (if there is such a thing) and they are nearby.

[DAVES89]

I am sure the various prices are due to the commision paid to either the dealership/salesman.

Good for you to look around and come back with a better rate... and then get it matched.

General rule of thumb in sales better to get ? % of something then 100% of nothing.