Hello Jag Lovers, just found my latest gem, a 2009 XF Supercharged with 25k miles, the car looks new, is tight, drives like brand new, and truly is in mint condition. It has the last year of the 4.2 Supercharged engine with 420 stock HP. Considering purchasing a 5 year 100k warranty that includes oil changes, filters, brake pads, battery, and wiper blades along with bumper to bumper coverage on virtually EVERYTHING. Cost is $4700 and there is a $100 deductible. This is my 6th Jag and the only one that was a pain was the 2003 S The cars maintenance history is impeccable, but, it is 13 years old now and my gut tells me $4700 for 5 years or 100k miles is reasonable with the general maintenance included. Any thoughts?

 

Looks great

And wow - that's an amazing deal for a 5 year warranty. Incl servicing costs too?

In fact, such a great deal that I can't believe it's real. Taking a luxury car from 13 to 18 years old will almost certainly cost more than that

Do you have the specifics? Inclusionary or exclusionary policy etc?

Even the Jag CPO is much less coverage than the new car warranty. No gaskets, seals, rubber seals etc

 

Congratulations. The low miles are both good and bad. These cars don't age well sitting for long periods.

Having the warranty and getting claims paid on what should be covered, are entirely separate things once they have your money. Recent trends indicate that these aftermarket warranties are not worth the paper they are printed on, with the exception of Carmax maybe.

Get the exhaust opened up so you can actually hear it.

 

A couple people want specifics on who the warranty is with, Endurance is ranked number one and they include maintenance, when you get the 5 year warranty they want all their money for the warranty in 24-30 months and they are banking on you trading the car in vs. reselling the car or keeping it in 3 years or less because of the data they have, not opinions, which we all have. It includes engine, supercharger, tranny, alternator, AC, window motors, electrical, suspension, rear end components, front end components, etc…. It is very comprehensive and easy to look up, Endurance is the warranty company, because this car has been garaged for 13 years and was a single owner car, that is the rate I have in writing

 

I'm not exactly sure why you asked the question as, and forgive my assumption if I'm wrong, it seems you've already decided you're getting the insurance add-on.

 

You asked for people's opinion about this warranty and then you're defending it? Ranked number one by who? Literally never heard of this company. Fidelity Warranty Services and Carmax Maxcare are the only ones widely known as being reputable. Here is what a quick Google search for this company resulted in:

"This is a WARNING look somewhere else DO NOT buy service from this company. You will be mislead by the sales reps with language that will give you a pace of mind. You will feel like you have nothing to worry about until it’s time to file a claim. When that time comes you will be like the rest of us either filing a complaint with Better Business Bureau or your state attorney general. Looks somewhere else. I don’t usually write reviews but I taught this was important enough to warn honest folks who are just looking to warranty their cars. This is NOT the company you want to have service with look somewhere else. I lost a good amount of money and I’m in the process of trying to get some back. It is not worth your trouble do the research and read the reviews."

"ENDURANCE is the BIGGEST RIP OFF company I have ever come across. My 2016 Nissan needed a new engine. After all the teardown .which I had to pay for was done. The problem was a covered defect. The denied stating that the engine had been previously opened and wrong parts where put in. NEVER HAD THIS HAPPEN. After Reed Nissan sent in writing that the engine was original and nothing had ever been done to it THEY STILL DENIED. I was stuck with a 2400.00 bill and no car. DO NOT BUY ENDURANCE HORRIBLE CUSTOMER SERVICE WILL NOT GIVE ANYTHING IN WRITING. A TOTAL RIP OFF. Of course I can't sue only arbitration.STIR CLEAR OF THESE PEOPLE"

"STOP! whatever you do DO NOT BUY FROM THEM. If you actually read the reviews you’ll see that most are reviews based on customer service. I was wondering why after I called for a simple question they would ask me to write a review. BUT when there’s an actual claim they will try anything to DENY your vehicle. My car was way past the 30 days/1000 miles and they denied my claim because they said there’s a PROBABILITY my engine showed signs before it gave out. Speaking to a supervisor she told me that the claim was denied because my mechanic shop said it was long term effects that caused the engine failure and it would have to be a sudden failure for them to cover. LIES. I called the shop and they told me that’s a lie and they have the recording of the phone conversation. When I called and spoke to the same supervisor she and told her the shop has the recording she changed the story to say there’s a probability this is long term and not sudden. My mechanic told me before I even did the claim that they will do everything in their power to deny it. Yo In this case they made and ASSUMPTION that it didn’t happen suddenly. Oh and the nice sweet voice you hear when you call customer service… don’t worry once you start a claim you’ll see their true colors. My mechanic and other mechanics I spoke with said stay away from them. All they do is take your money…… so true. Save yourself the headache and DO NOT GET THEIR POLICY. I asked to speak to a manager so let’s see how long that takes. Tell your friends tell your family to stay away from them."

"This company is a scam. They sell you this fake dream that you’re buying all the coverage your vehicle needs and once they’ve taken your money they will use any excuse to reject a claim and won’t cover 90% of the problems that happen to cars. I purchased the Endurance Advantage Plus package and it turns out that they won’t cover ANYTHING. My car passenger door latch is malfunctioning they won’t cover it. A FUSE for the cigarette lighter they won’t cover it. Oil pan gaskets they won’t cover it. A leak from a worn out radiator hose they won’t cover it. I’m talking about the basics reason why you would purchase a extended warranty they denied every single responsibility to fix my vehicle with lame excuse like “we can’t cover the claim because the part went back because of extended long term use” or that even though my extended warranty was supposed to covered all electric and mechanical parts they can’t cover a door latch or a fuse because they excluded from the contract? These company is a scam and I hope soon enough I see them in court. No wonder why my bank wouldn’t let them charge my account. Any class action lawsuit please contact me!"

These are all reviews within the last month, good luck with your pre-determined decision.

 

Not sure at all now, another Jag lover posted a really negative experience with Endurance, he obviously has had direct experience with them, I have not, my experience is through reading their reviews and those of independent auditors who rank them based on their research. Anyone can really research them if they have the time. Man, not sure what to do now, this Jag is in excellent shape, but, it is 13 years old. There are only a few options recommended out there and it sounds like if your ducks are not in a row it could be quite challenging to get them to honor their contract? Was hoping someone on here had experience that was positive

 

Thank you for your summary judgment, lol….. I asked for feedback for a reason, and appreciate yours, yes, I am leaning towards getting one mostly because of fear purchasing a 13 year old Jag, even though it is my 6th one. There are not a lot of options, what I am hoping is people on this forum who have had positive experiences will post too. That would be a real disappointment to pay for a warranty and then deal with a company who will not honor it, I am 64, still lots to learn no matter how many Jags or any other nameplate you have driven. Absolutely love the car, if anyone out there has had experience with extended warranties from 3rd party companies please share with us

 

IMHO, steer clear of the 3rd party extended warranty companies. It seems they'll cover everything except your current repair bill.

Have you given any thought to buying the car, and instead of buying an extended warranty, deposit the $4700 in an account for repairs. If it's a well maintained 2009 with low mileage it may not need anything but normal maintenance over the next 5 years.

 

+1 from me. I'd bank the money and use it for repair work yourself

These warranties are really only useful for major repairs to cover their cost. Like an insurance policy. But that's when they then don't pay out.

How handy are you at work on the car? Ton of great info and expertise on here and you could save yourself a packet to DIy. Or find a good Indy shop

Good luck. It sounds like a great car. But even then that's a lot of age and it will have problems eventually like any car does

FWIW - I drive a 2010 V8 supercharged. I've had it almost 10 years now (was CPO when I got it). Looked after it well and it has treated me well. Never failed to start and run. A few minor repairs (water pump etc) but very little. And I plan to keep it for a while more!! Still an amazing drive!

 

 

Nice one Dennis!!!!

 

I love the Chris Berman TV commercials for Car Shield. He manages to insinuate that Car shield will pay your repair bills without ever actually making that claim. "That repair bill never had a chance!" (of getting paid). "Car Shield is rumblin and tumblin all over that repair bill!" (They must be so inept that they couldn't pay your repair bill even if they approved it). I can't help but laugh every time I see it.

I don't know statistically what percentage of repairs these car warranty companies actually pay or don't pay, but all you read on the web or hear on the news is stories about how they don't pay. Sure makes them sound ominous. But I'm with Ramsey on this one point. A ten plus year old Jaguar isn't a wise transportation decision. Its much closer to a toy like the caller's I8 (and hence why we like them). I wouldn't have bought either of mine if A) I didn't have a Honda as a backup while I DIY my own repairs and B) I couldn't afford to just write the whole thing off if it failed catastrophically.

 

I have driven my 6 Jags well over 250,000 miles on the highway and around town and have never been stranded yet, but, as has been mentioned, have never done it having one as a daily driver that is 13 years,old. My backup car is a 2004 GTO with the LS1 engine and only 11k miles. My hope is since the Jag has impeccable service records and was garaged for 13 years vs. sitting outside it will help. Carshield has over 2200 complaints against them last year, but they also have almost 1.2M policies. I guess my dream was to have a 13 year,old cream puff for pennies on the dollar, add the warranty and drive it and travel in it like it was a new car with enormous savings, lol… oh well, dreams sometimes are not reality

 

Has any forum member actually had experience with Endurance? Not interested in google search online reviews but a trusted forum members feedback that owns an Endurance Warranty and has tried to file claim for a repair. Thanks

 

OK, after all the opinions and banter, I took it to the next level and spoke to a close friend who is an attorney, amd also to a supervisor named Bayliehh at Car Shield, she has been there 4-years, along time for a company that sells warranties online. Some bottom line facts, not opinions, facts.
1. A term warranty policy will never pay out more in repairs over the life of your contract than your car is worth. Example, you pay $4500 for a 5 year policy with a $100 deductible.,you pay $15k for your preowned Jag.. after 4 years you need to replace your supercharger, injectors, water pump and alternator (I doubt this would happen unless you trash your Jag). The repair bill is $9k let’s say, but, 4 years later your Jag has 90k miles on it and is now worth only $8k, well the most you would get is $8k towards repairs, and if you had any other claims during the first 4 years of ownership, that dollar amount is counted too. Another words, deposit $150 a month into savings and do not buy a term contract.
2. Maintenance Receipts - you better save every one, depending in warranty item, they will want proof you have honored maintenance schedule
3. Read the Fine Print - their are several levels of coverage - the entry level warranties make no sense, total waste of money, the Gold and Platinum do cover all the major expense items and with proof of maintenance they will pay, the big question is it worth it, that is up to each of us to decide
4. Month to Month Contract - I found this interesting, with this policy, you can get a Gold or Platinum warranty and have no binding commitment, it is month to month and it resets to a payout of what your car is worth monthly for total available payout for repairs with no games or gimmicks. The attorney I spoke to told me if he were to buy a warranty, this is absolutely the one he would buy because the monthly premium never increases, your total coverage is always the total value of your car, and as long as you pay every month, even it your car has 200,000 miles, you will always have coverage for the total value of your car with no depreciation based on previous claims.

did this research influence my beliefs? Absolutely. I would not recommend buying a “term policy” 3rd party warranty. I am not buying one, even though my 09 Supercharged XF is 13 years old. Heck it only has 25,600 miles now. I did purchase a month to month warranty for $135 a month for the Gold Plan. Why? Because the car is 13 years old and to be safe, I will do this for 6 months to insure the car is as solid as I think it is, then I will cancel the policy and put $150 a month in a car reserve fund. Talking to an attorney with 20+ years experience waking with talking to a women who has been peddling these policies for 4 years was very insightful and helped me separate fact from fiction, hope the information helps

 

I was also looking at a Plat coverage and month to month for about $182/mo who did you go with if you don't mind telling????

 

I think you got the best advice above??
Unless you can DIY the maintenance and repairs it will be expensive to own a used Jaguar. This forum will be your best tool to keep costs down and get your car repaired CORRECTLY!

As you found out any aftermarket warranty will be a fight to the finish to get things paid for. The business model is set up to deny coverage that's how it works.
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I chose Car Shield month to month where the policy resets every month to the value of your car, the rate never goes up so long as you pay each month and it has $100 deductible. They said their top of the line plan was overkill and that the Gold Plan was the best bang for the buck

 

Ive used endurance on my 2010 Tundra and fiancé 2016 Lexus GX470 with 80k mikes , my sister’s Lexus LX 470 w/125k miles, brother's 2012 Jaguar XJR w/89k miles… sister had 2 claims and they paid both now issues and brother has 1 for $3800 and another for $2k and they covered both.

The Toyota/Lexus products were cheap for the top warranties bumper to bumper type under $2k bucks and brother has a 4 year 48k warranty $100 deductible for $4k. THEY KEY IS TO HAGGLE AND THEY WILL DROP THE PRICE!

Once they start selling/pitching… say I really want to hear the bottom line price and I only want bumper to bumper(truthfully you should get 3yr/36k and pay no more than $3k because of the Uber low miles! They have a huge discounts under 36k miles or just go to your credit union and purchase there! Or at least your quote should be at $4k with those mile on your car.. they’ll do it

seriously once they start talking be direct and firm… and just ask fir the supervisor for the bottom line and say “I’m buying today from you or another company and the best price is all I’m interested in right now..”. Plus look at it you can pay monthly and don’t like their service etc just drop them and get another company..

good luck and send me a private message if you want more info on our plans or I can negotiate for you. Also theirs a company ASC that’s good to my used dealer friends and they have good results with…