My warranty runs out in about a year on my 2012 Xj SC with 26K miles on her.

Was looking at warranty extension options. Anyone know the cost off hand? Would you consider aftermarket warranties? Would you gamble by passing on the warranty altogether if I was to keep the car for say a few years to 100K mi?

From a reliability standpoint to 100K, do you guys think were truly talking MB. BMW, and Lexus quality where talking a risk without warranty would be a possible play? This is my first Jag, however, I used to own a '07 RR SC and the truck had a few issues, one being the hydraulic air shock lifter gadget that went out on me that was a $1500 fix out of my pocket. My big fear is a huge British system to fail on my XJ that could wipe me out, namely suspension or supercharger at some point during ownership.

Please chime in with your gut feelings.

 

I have new XJ. Had a Benz. Dad has owned last generation XJ and current generation F coupe with zero problems, and high miles on the older XJ (over 100K). That's the reason I was ok going Jag vs. staying with Benz.

Superchargers is an easy fix should anything go wrong, much easier than turbos.

Knowing BMW (close buddy is a manager at the dealer) and Lexus (I had a GS300, nice car, lasted forever but cost a lot in sensors and electronic problems), your Jag will be as good if not LIKELY more reliable than BMW for sure and Lexus likely. Benz have in general been good to me, so hopefully XJ will be same.

Modern day Jags really don't have reliability issues...what they have is lower sales and a lack of trackable consumer data information ... so it appears they have low reliability levels since all the consumer report groups have to go on are prior reports from the 1990s. HA. Jag is a boutique luxury brand (like Maz) that used to be more mainstream.


My greatest concern with Jag would be electronics. Significant failure would at most be $2500. Extended and transferable warranty will help resale and likely to be over $2500.

 

Everybody's objectives, budgets and mechanical comfort levels are vastly different. I can only cite my own feelings and experiences regarding warranties, whether they were Extended Warranties purchased with the new car originally, or extending a CPO at 60,000 miles, I've never been without one for my last six vehicles. I will also tell you that I've never been sorry that I'd spent the money because almost all of those cars were pushing 90,000 to 100,000 miles when traded in. The cars were a Ford Explorer, Lincoln Aviator, Lincoln MKX, Cadillac STS (2 of them), and a Jaguar XJ.


Each in their own way had something happen to them that was covered by the warranty. With shop rates pushing $150 per hour, it doesn't take much to push your mechanic's bill into the stratosphere.


I don't care where your aoto-loving heart is--BMW, Mercedes, Jaguar or whatever, they all cost a LOT of money to fix.


Personally, I do it for the peace of mind. I'm on the road a lot and I like the comfort of knowing if there were a problem, the car will be towed, I can get lodging and a loaner car, and be on my way with only the inconvenience of the breakdown and without needing to take out a second mortgage on the old homestead.


But that's my opinion and my experience. Maybe some others can write about why it doesn't make sense to them.


All I know is that there always seems to be something that seems to go wrong with a car, no matter what car you're driving. Jaguar is no better or worse than any other mark you can name.

 

Lexus reliability is a myth. Just ask the man who used to own one (me, a 2007 LS460, almost every option, bought new). Never again.

 

Everything is crap shoot. There will be as many reliable car stories as there are unreliable car stories regardless of the make or model. It comes down to how long you think you will keep the car and your willingness to maintain and pay for unforseen issues. Are you more of a "piece of mind guy" or an "I'll deal with crap as it comes" kinda guy.

 

In November I purchased a 2012 XJL Portfolio model with only 7300 miles, my first Jaguar by the way. I inquired at the Jaguar dealership about an extended warranty and was told I can hold out until just before reaching 12,000 miles before buying their warranty--cost about $2400 and mileage I think was an additional 6 years and/or up to 75,000 miles. At this time I'm leaning towards getting an extended warranty but yet don't know where I will purchase it.

As far as paying for repairs, keep in mind as any luxury model your cost for repairs out of warranty won't be anywhere near what it might be for an Escort, Malibu, etc., etc.

Just my thoughts.

 

I assume at 26K, My extended warranty will be a bit more than your quote

 

Yes, one of the things I discovered in recently purchasing my second Jaguar Vehicle Protection Plan was that the wholesale cost to the dealer is somewhat dependent on mileage.

I have the VPP on both my 09 XJR and my 12 XJ SC, and have felt that it is entirely worthwhile to have the peace of mind of coverage on a vehicle that can be painfully expensive to repair, and have also felt more comfortable having the warranty through Jaguar as opposed to aftermarket.

My advice though is to shop carefully for the VPP. It is purely a commodity, wholesaled to the dealers, who in turn have great leeway in what they will retail it for. Talk directly to the finance people for your quotes, and expect them to be flexible (or not) in meeting or beating quotes from other dealers.

As an approximate example, the MSRP (yes, they do have an MSRP) on the 6 Year/100,000 VPP for my 2012 XJ SC at 45K miles was in the 5K zone, and I purchased at around 70% of that. Not a steal, but much better than the full rack rate that some dealers quoted.

Remember that the vehicle must still be under factory warranty to be eligible, and that while the 6 year term begins at the time of warranty purchase, the 100,000 miles begins at the in-service date for the vehicle.

Also, this is an exclusionary policy, the only way to go, and there is no deductible if serviced at a Jaguar dealer.

 

HJ808 provided a good response to your question. Good luck in your research for an extended warranty.

 

HJ808 I went to my dealer and they are not willing to discount the price and the bad thing is that all 3 dealerships in Atlanta are owned by the same company so there is no opportunity to get discounted offers locally. Would you be willing to share the dealer name from where you purchased your VPP and do you think they would discount to an owner that they have no history with?

 

Did you happen to talk to the finance people at all three of the dealers? Even though they are the same company, there may be some autonomy in their pricing.

I'm in the LA area, and both instances I called all of the dealers in a 50-60 mile radius, which I think was 7 or more dealers. The first warranty I bought, I got the best deal at Galpin, but the second time they were very high on their quote. The second warranty came from Jaguar Thousand Oaks, and they had been a high quote on the policy I bought last year. It all seems to be somewhat arbitrary.

In obtaining the quotes, several of the finance people told me that the purchase could be taken care of over the phone, so it is possible that you can widen your field of shopping.

Again, it appears that, much like with the parts departments, these policies are a commodity wholesaled to the dealer, and much like the parts departments, they can set their own pricing. Many, or most, just quote the MSRP, but others will offer lower pricing independent of whether an individual has any history with that dealership.

Good luck- the VPP is a very worthwhile item, but purchasing one can have many of the same challenges as negotiating the purchase of a new car.

 

Thanks for you response HJ808. The problem here in Atlanta the 3 dealers are setup without finance people, each salesperson handles the deal including finance and gets authorization/signoff from the dealer manager. So I have asked my salesman to request a discounted price on VPP several days ago and so far no response from him. Seems like a monopoly to me and that Jaguar should have allowed some local competition, but then the same dealer group has all the Land Rover franchises too.

 

I just bought an R and my dealer is pushing a VSC (Vehicle Protection Plan) which sounds 3rd party to me. I gather that your plan is 3rd party as well. If I decide to go this way, must I purchase through the dealer or can I go shopping on the internet?

Since Jag does not seem to have their own extended warranty, I think I would rather look around on my own.

 

These are the actual rates for a 2012 Supercharged with 46K miles that were provided by Jaguar for me.

Please note that since you have to get your extension while your car is still under existing warranty, that you waste a year of your existing policy at these rates. It still seems stupid to get a policy during your coverage so my plan is to wait until I have a few days left. I was told by the agent that if I do wait, the new quote will be significantly higher. I don't know what "significant" means but we'll see. I'm assuming the new rate, although more, will have the full duration of my extended policy at the time when I'm most likely to have an issue when my car is oldest and therefore should still be a better value as long as it's not say 20% higher.

They couldn't provide me a futured quote but next year when I get the extension I'll dig up this thread and post the new quote so we can all "do the math" to see whats the smartest way to go.

 

I appreciate your providing this information. I've had my 2012 XJL since November last year and I am going to start researching now for an extended warranty I intend to get. Again, thank you.

 

While the VPP, which is the official Jaguar extended warranty, is indeed a third-party policy sourced from Assurant, as is probably any CPO coverage, it is administered by Jaguar and appears to be treated at the dealer as if the car were still under the original warranty. It is this seamless continuation of coverage that is appealing to me about purchasing the official Jaguar VPP. I have had a couple of items taken care of on my '09 under the VPP and while there was mention that they had to confirm coverage with the warranty administrator, it was very much a non-issue.

I investigated several third party plans before buying the VPP, but there was no real cost savings, and I felt like there might be some slight incentive on the dealer's part to ensure customer satisfaction with the Jaguar backed plan.

Please note the parameters of mileage and warranty expiration required to qualify for the VPP:

Jaguar Parts & Accessories Warranty | Jaguar USA

Polarisnavyxj, from looking at your posted quote form, you may want to clarify with your dealer what he is quoting, since it appears that this may be a third party quote through Assurant (which the dealers will sell you as well), not the Jaguar VPP.

There are two items on that quote that lead me to think this:

1) under the VPP there is no deductible if serviced by a Jaguar dealer

2) the Jaguar VPP policy term begins on the date the policy is purchased, not the in-service date.The policy mileage is the total miles on the car, regardless of the mileage at policy purchase.

And I will again urge anyone to shop around for the VPP. Like buying a diamond, no matter what anyone says, it is a commodity with a wholesale value, and there is no value added to it by the dealer that you purchase it from.

Polarisnavyxj, not that it is strictly apples to apples since I don't think that the quote you have is for the official VPP, but I have the same car and also the same mileage when I purchased my 6yr/100k VPP last month and I was able to source it for several hundred less than your Assurant quote, no deductible and the 6 year term began last month. Not that the term will be of any help to me, since the close to 20k a year I put on the a car will find me at 100k miles long before 6 years.

 

great info Thanks so much

 

Some good advice here. Having come from the car business, an extended warranty should be treated as separate purchase altogether. Depending on the skill of your salesperson, there may be what's called "leg" already built into the deal that allows the finance manager to sell an extended warranty at an artificially lower amount. Gaining leg can be achieved by holding points on one's interest rate, not disclosing factory rebates/discounts and using them towards the purchase of back-end product (warranties, maintenance, etc) or being closed at a payment that works out to be higher than what the payment should actually be when factoring in monthly term, amount of equity and taxes, fees, etc. Closing a buyer on payment is always the preferred tactic of the car salesman. This is not to say you can't figure out numbers beforehand and know what your monthly payment should like look.

I digress. There are many reasons for the disparity in extended warranty cost. Perhaps like the other buyer suggested, shopping exclusively for the warranty may be the best way to get the lowest quote, however, I can tell you many dealerships won't take this person seriously and will come up with some sort of contingency when you actually are in the store ready to move forward. While some dealerships are much more fair than others, there is a level of deceit within EVERY one. There is no exception. Being equipped with research certainly helps.

 

Thanks for this information. I'm from Central PA; can you suggest a dealer where
you might be able to get a fair deal on an extended warranty.

 

I am not very familiar with any dealerships in the central part of PA to be honest with you. What I can tell you is that like the car itself, the warranty is not one be-all, end-all price. It typically has an MSRP price of sorts, and potentially above MSRP depending on what type of leg is already built into the deal.

What I can suggest is this.

Negotiate the price of the car first.

Negotiate the interest rate second, if financing. Request the lowest tiered money factor if leasing.

Negotiate your trade-in third, if indeed you are trading something in.

Negotiate any warranties, maintenance plans, etc last and completely separately. I would do a bit of research on what the extended warranty you want should roughly cost before entering the dealership.

Although this takes more time you'll be much more likely to get a better deal. It's always a salesman's dream when a customer comes in a says, "Just keep me under ____ payment per month." Especially when this payment is easily attainable.