[Damo]

darinaudio/Geoff

I don't care if the point you are trying to make is as clear cut as arguing that black is black, but you seriously need to chill out with the way you are posting. We have enough people on here posting like that without adding you to the list

[Minnie Mouse]

Ms Mouse is just popping in to thank drainaudio for highlighting what he has found re the warranty. Warranties are a mine field to say the least and everyone has the right to say what they feel (within reason of course!) and ask what they need to know or to tell each other of their experiences. Please don't get upset if someone else does not agree with your views. Each to their own when it comes to choosing what warranty is right for you.

Can we keep this thread on track and with everyone playing nicely!

Thank you

[hoojkel]

Quote: Originally Posted by drainaudio (original)

Please..................don't be so lazy - GO AND DO SOME PROPER RESEARCH!!
Before you come on here talking absolute rubbish!!

It's all very clearly listed on the website in plain English if you'd actually bother to read it..

http://www.miniwarranty.co.uk/Pages/...ve/Details.htm

http://www.miniwarranty.co.uk/Pages/...ensive/FAQ.htm

Copy/pasted from the website..

Detail of cover.
Comprehensive Insured Warranty covers all mechanical and electrical components of your vehicle for defects - except the items listed below:
All exhaust components (except Catalytic Converter)
All service items which will require periodic replacement
Any item that has worn out rather than suffered from a defect
Auxiliary drive belts
Batteries
Brake and clutch facings
Bulbs and fuses
Channels and guides
Cleaning or adjustment of any component
Coolant and fuel hoses
Discs and drums
Glass
Handles, hinges and check straps
Trim, upholstery and cosmetic finishes
Wheels and tyres
Wiper blades and arms
Weather strips and seals

Cheers, Geoff..

Me talking rubbish, I think you are buddy, I had the web page open in another link and was quoting from it: ( copy and Pasted):
Comprehensive
Our top level of protection and covers most mechanical and electrical parts against defect. Cover is available for MINIs with mileage under 100,000 miles.
( which no list is given )
Here, in plain English which you think I failed to read says MOST

Named Component
Protects against mechanical and electrical breakdown for a specific list of your MINI's components. Cover is available for MINIs with mileage under 100,000 miles.
( a list of items is listed )
If you look at what you've posted above, these are what are EXCLUDED from warranty, not details of what is covered which is what you've put at the beginning
Link to extras such as Satnav etc is below:
http://www.miniwarranty.co.uk/Pages/...Up.htm&popup=1


Seriously though do you think I wouldn't quote from the site and don't get bullish then start misquoting from the site.

[ratherbewindsurfing]

Quote: Originally Posted by drainaudio (original)

Certainly glad I won't be buying your car at any point in the future..

You may be very surprised and disappointed oneday then.

Quote: Originally Posted by drainaudio (original)

Brilliant idea other than the fact that my S isn't some £500 banger.
I can just see myself swapping out the engine on a residential street in London with a couple of mates and a few beers......"piece of cake these modern cars not like the old days, now them engines was complicated"....

It is perfectly possible to change an engine in the street, I have to admit though it was quite a few years ago when I last did it. I've grown up and now own a garage that is warm and dry.

Modern engines are not particularly more complex than twenty years ago, the only thing that is more complex are the ancillaries (AC, power steering etc.). The electronics are fine provided you have access to the relevant information (god bless the internet!!)

The likelyhood of properly blowing up an engine are pretty small!!

The sorts of defects likely to arise are minor and as £500 can buy a fair amount of spare parts I'm happy not to take out extended warranties on any of my cars and take the risk myself.

Seeya

Don't forget ........thrash it and crash it

[hoojkel]

Quote: Originally Posted by ratherbewindsurfing (original)

You may be very surprised and disappointed oneday then.



It is perfectly possible to change an engine in the street, I have to admit though it was quite a few years ago when I last did it. I've grown up and now own a garage that is warm and dry.

Modern engines are not particularly more complex than twenty years ago, the only thing that is more complex are the ancillaries (AC, power steering etc.). The electronics are fine provided you have access to the relevant information (god bless the internet!!)

The likelyhood of properly blowing up an engine are pretty small!!

The sorts of defects likely to arise are minor and as £500 can buy a fair amount of spare parts I'm happy not to take out extended warranties on any of my cars and take the risk myself.

Seeya

Don't forget ........thrash it and crash it

LOL!!

And if you know someone in the trade then they're even cheaper (parts that is not the person) My mate done work on my old cooper at a fraction of the cost so maybe warranties aren't all that they're cracked up to be.

I think i've been put off warranties for now

[BRG/Blk Cooper S]

Quote: Originally Posted by hoojkel (original)

Me talking rubbish, I think you are buddy, I had the web page open in another link and was quoting from it: ( copy and Pasted):
Comprehensive
Our top level of protection and covers most mechanical and electrical parts against defect. Cover is available for MINIs with mileage under 100,000 miles.
( which no list is given )
Here, in plain English which you think I failed to read says MOST

Named Component
Protects against mechanical and electrical breakdown for a specific list of your MINI's components. Cover is available for MINIs with mileage under 100,000 miles.
( a list of items is listed )
If you look at what you've posted above, these are what are EXCLUDED from warranty, not details of what is covered which is what you've put at the beginning
Link to extras such as Satnav etc is below:
http://www.miniwarranty.co.uk/Pages/...Up.htm&popup=1


Seriously though do you think I wouldn't quote from the site and don't get bullish then start misquoting from the site.

Ok, I'm very sorry for being annoyed at your apparent laziness and the fact that the misinformation you are posting may actually be taken as fact by other forum users.

Every single page regarding the different policies on the Mini Warranty website links to a list of what is or isn't covered.

Your inability to thoroughly read, navigate or understand a website are not my problem so here's the nice version..

Dear Mini 2 members,
I started this thread to let other users know the Mini Extended Warranty has had an overhaul and now offers many different options in terms of cover, excesses, methods of payment and break-down assistance.
I believe having exhausted all possible avenues with Warranty Direct that the Mini Warranties are now just as cost-effective if you wish to save money and will provide better cover and service in the long run.

Pretty please with sugar on top take the time to carefully read ALL the information on the Mini Warranty website before posting within this thread in such a manner as to misinform and/or confuse other members re the details of the various policies and what is or isn't covered.

All the info you require is on the website and having taken the time to carefully read through my policy booklet the info in the book and on the website is the same - with the exception of the following slightly different wording:

Policy Handbook - Your Comprehensive Component Cover covers all factory fitted mechanical and electrical components of the insured vehicle with the exception of the following.........followed by list (effectively standard wear & tear items).

Website - Comprehensive cover provides our highest level of Insured Warranty protection and covers the majority of mechanical and electrical parts of your MINI. You can purchase your Insured Warranty annually or on an ongoing, monthly basis. If you choose the monthly option, the price is fixed for 12 months.
You can choose to include an excess with your policy, which is payable only if you make a claim. Including an excess in your policy can reduce the cost of your premium.
For details of parts excluded from Comprehensive Insured Warranty click here..........the link brings up the same list (of wear and tear items) as the policy booklet.

If you still aren't 100% sure then contact details are provided and on the 6 or so occasions I've phoned Mini Warranty I was able to speak to someone immediately.

Many thanks, Geoff.

[hoojkel]

Again and finally, that was all quoted from the site and not from me so why do you say i'm misquoting? Everything i've said is straight from there.
Can't you read where it says that on the site?
It seems that you are stuck with the opinion that yours and yours alone matters and no-one can express a query over this issue without you trying to attack in a seriously patronising way that does look a little childish.

Seriously dude, you need to chill??

Away now, got better things to do like pull my teeth out!!

[BRG/Blk Cooper S]

Quote: Originally Posted by hoojkel (original)

Again and finally, that was all quoted from the site and not from me so why do you say i'm misquoting? Everything i've said is straight from there.
Can't you read where it says that on the site?
It seems that you are stuck with the opinion that yours and yours alone matters and no-one can express a query over this issue without you trying to attack in a seriously patronising way that does look a little childish.

Seriously dude, you need to chill??

Away now, got better things to do like pull my teeth out!!

"I'm not confusing myself and I didn't say anything about wanting cover for 'Mystery' components.
Comprehensive cover will not cover the car in its entireity as it left the factory as it clearly says Comprehensive covers ' Most' electrical and mechanical components.
Yet they don't list what components these are and gives an overview as well as including Satnav,PDC, ICE, dashboard displays etc. of what is covered"

The above is from one of your previous posts clearly showing that you cannot seem to grasp the text on the Mini Warranty site, in addition to adding your personal and factually incorrect interpretation of the policy wording you also provide for reference a link that doesn't work.

I'm not going to pointlessly argue with you on a public forum and this has nothing to do with an opinion being right or wrong it has to do with facts that are plain as day if you bother to actually read them.

Again to stop the confusion....... it does not say anywhere on the Mini Warranty website that the policy will not cover the car in it's entirety as it left the factory.
It clearly lists exactly what is not covered for each policy - generally wear and tear items as anyone with a modicum of common sense would expect.
Unless specified as an exclusion all factory fitted mechanical and electrical components of your vehicle are covered by the Comprehensive Cover Policy - Mini's words not mine!!

Seriously, I need to chill?

No, you need to get your facts straight and not misinform other forum users.

Pass on the teeth pulling as you'll need them and maybe spend a bit more time understanding the facts before you start an argument and end up looking foolish.

End of discussion..

I hope the new warranty packages work out well for other Mini 2 members.
As previously mentioned mine has already paid for itself and it was the same procedure as during the initial 3 year factory warranty - had a clicking noise, took it to the dealership, they inspected the car replaced a drive-shaft and engine mount, I got the car back washed and it cost me nothing as I have the "no excess" cover sweet..

Cheers, Geoff.

[Damo]

Quote: Originally Posted by drainaudio (original)

Seriously, I need to chill?

I appreciate everything you are saying and to be honest I don't have the time or inclination to proove you right or wrong.

However as Ms Mouse has commented on your obvioulsy getting very upset. The manner in which you were posting originally was extremely aggresive, and now to top it off its become patronising and insulting.

I'm not perfect in my posts (sure the mods will agree with this ), but you seriously do need to calm down.

So to answer your question, yes you do need to chill out. Go sleep on it.

[BRG/Blk Cooper S]

Quote: Originally Posted by Damo (original)

I appreciate everything you are saying and to be honest I don't have the time or inclination to proove you right or wrong.

However as Ms Mouse has commented on your obvioulsy getting very upset. The manner in which you were posting originally was extremely aggresive, and now to top it off its become patronising and insulting.

I'm not perfect in my posts (sure the mods will agree with this ), but you seriously do need to calm down.

So to answer your question, yes you do need to chill out. Go sleep on it.

Ok,
I'm now removing myself from this thread as feel I've done my bit to try and provide the correct information - garnered both from reading the documention carefully and discussing with Mini warranty staff any aspects that were to me possibly unclear or open to interpretation.

I'm not the least bit upset and frankly I couldn't care less what other members of this forum do in regards to their warranties, replacing their own engines etc etc..

To be honest I'm now wondering why I even bothered to share the information.

I seem to be spending less and less time on this forum these days simply due to the amount of misinformation that goes on - there is always someone prepared to jump into a thread who knows this and that, very often the info is either factually incorrect (i.e. the One D has the same engine as a Cooper but in 1.4 form) or simply bad advice (top up your coolant with water, it'll be fine).

I have a very low tolerance for people who don't know what they are actually talking about especially when it comes to confusing or misleading those who are genuinely here hoping to learn and be helped and I'm not sorry for that..

Cheers, Geoff.

[batou]

Quote: Originally Posted by drainaudio (original)

Sorry but I picked the Warranty Direct policy to pieces and it covers the bare minimum to say the least (from the horse's mouth)..

Are you trying to sell this or just being pedantic? I'm not trying to sell you a warranty (you already have one) I was just pointing out potential flaws to others.

Quote: Originally Posted by drainaudio (original)

I will happily pay for some "worn" suspension bushes when my car hits the sort of mileage that would result in such wear (if ever).
In the meantime I'll be happy knowing that my £7k + of optional extras are 100% covered by my warranty and it will only ever be repaired at the BMW dealership of my choice.

Warranty Direct just doesn't make sense anymore IMO - you can get the same level of cover now from BMW for pretty much the same price since they reconfigured the warranty options.

I don't care, my warranty is £21pm (£252 a year) with a £25 excess and I can cancel whenever I want, my suspension bushes are £250 to replace and my car has done 35k miles, they are paying 100% of the parts and labor (-£25 excess) therefore it's paid for itself already, any claim from now on and it's money in my pocket.

The mini warranty might cover more but I'm not that fussed, it doesn't make clear what it covers only what it excludes. At the end of the day if my head gasket blows or a piston goes through the bonnet it will get repaired by either a BMW dealer (inc. in my policy) of my choice or Paul@1320 without any argument of whether it's a defect or wear and tear failure.

My extras are :
electric pano sunroof - covered.
Air con - covered.
Leather seats - err why would I need them insured?

Quote: Originally Posted by drainaudio (original)

In addition the WD policy is say £250 per year and on top of that you add Europe-wide AA cover say another £150, you are already up to £400 - £500 gets you the comprehensive Mini warranty with Europe-wide breakdown cover.

What's £100 in the grand scheme of a years motoring and who's Mini is going to command a higher premium in the years to come? - without a doubt the one that has only ever been touched by BMW, is in perfect working order and has a manufacturer's extended warranty that is transferable to a new owner and doesn't have a mileage limit.

By all means if you're happy with WD then more power to you, I personally wouldn't touch them with a barge pole.

Cheers, Geoff.

A warranty is a warranty if your happy with what it covers for the price then fine, I am, no point being a salesman mate. All I will say on the mini warranty is the excesses are two high to make it worth your while, the cheapest option is £250 Excess - £352.00 which means if you have a medium/big claim (like my bushes) your warranty cost you £602 (whether is agreed under a "defect" or not) and for me £277...

The whole point of a warranty is cover for something you cannot afford pay for if it happens, forking out £250 every time you claim (or a one off of £225 if you choose no excess) defeats the object of it. My premium costs the same year on year as there is no renewal (by dd).

If I make 4 claims in a year over £250 it costs me £100 on top of the premium.
If you make 4 claims in a year over £250 and you have no excess it costs you £225 more.
If you make 4 claims in a year over £250 and you have the max excess it costs you £1000 on top of the premium.

You can't just read info of the WD site and expect to get it right first time. Ahem*

[hoojkel]

The mini warranty might cover more but I'm not that fussed, it doesn't make clear what it covers only what it excludes. At the end of the day if my head gasket blows or a piston goes through the bonnet it will get repaired by either a BMW dealer (inc. in my policy) of my choice or Paul@1320 without any argument of whether it's a defect or wear and tear failure.

My extras are :
electric pano sunroof - covered.
Air con - covered.
Leather seats - err why would I need them insured?



Thats exactly the point i've made a few times as well buddy

[Chellle]

this is a jolly argument!


anyways daft qustion from chelle for today.......

im taking the car to the dealership next week re the noise it makes when i start it, doesnt sound to clever

is any time they spend finding the fault free or do i have to pay?

[batou]

Another good question... although investigatory work is not paid for, if the fault is a valid claim then the investigative work, labor and parts is all paid for. The mini site doesn't make available any policy documents so it's difficult to make proper view of it.

If its a normal warranty job Chelle then you probably won't pay anything for diagnostics either, just ask the dealer beforehand and tell them to let you know at any point before it starts costing you money (if it does).

Further to extras, you should never fork out for insurance on something you can afford to bear the cost of, airbag & emissions is extra on WD. I didn't opt for it but wish I had now since my airbag slipring was faulty recently.

[hoojkel]

Which cover did you go for with WD Batou??

[batou]

Quote: Originally Posted by hoojkel (original)

Which cover did you go for with WD Batou??

Just normal ExtraCare by direct debit but clarified on the phone about modifications and negotiated a better price.

[hoojkel]

Cool, I think i'll be going with WD now after all this hullaballo!!
Did you state you had mods or were going to mod and were they worried at all that any mods would affect the warranty??

[batou]

Quote: Originally Posted by hoojkel (original)

Cool, I think i'll be going with WD now after all this hullaballo!!
Did you state you had mods or were going to mod and were they worried at all that any mods would affect the warranty??

The guy I spoke to was very, very good he prefers to sell DD policies as you never get a renewal quote it always stays the same, plus I got a good discount. Plus his customers tended to stay with them longer so it was good for both parties really.

Basically after telling that I had a modified supercharger pulley and would that affect it he said modifications themselves are classed as uninsured parts, and under the terms if a failure is caused by an uninsured part, all insured parts and labor will be paid for and you would only have to pay for the uninsured part (pulley).

He said as an example if the smaller pulley caused a belt failure which in turn ruined several other engine components the only parts I would have to pay for are the pulley and belt.

Also find out how much the cost of extra airbag & emissions cover is, diagnostics and a replacement slipring, labour etc cost me £370. It's unlikely to happen that often (unless you change the steering wheel like i did lol) but if its only a couple of quid more then who cares

[hoojkel]

Cheers buddy, I was concerned about the validity of the warranty if I put in a new air filter and that then caused a failure, not likely but a possibility.

thanks again, going for WD now without a doubt

[batou]

Just ensure you clarify all this beforehand on the phone, they typed this onto my policy document just to be safe I suggest that you ask for the same.

I'm sure the mini warranty is great but personally I am never in a good enough financial situation to write off £250 in excesses that could go towards savings or a holiday if my car breaks lol