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Extended Warranty

16414 Views 67 Replies 28 Participants Last post by  aupc
What are the thoughts behind buying the extended warranty. I am not really too much of a do-it-yourself kind of guy, but I am willing to learn. I do plan on doing some longer trips and it seems that the "loss of use" feature seems nice. Anybody have any experiences positive or negative with the warranty.
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I have NEVER been a fan. BUT did purchase DIRECT from Polaris. I feel the potential cost of repairs on these vehicles outweighs the extra $1900 they charged me.
I wouldn't get it from dealer though. Many are not accepted Nationwide
 

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First call it what it is. This is not a warranty but and extended service plan. These plans will cover parts that break and the labor to fix it. They do not cover cosmetic issues. Rust, chrome peeling, etc.... will not be covered. I worked for many years in the service industry. We offered these plans for only one reason. THEY MAKE MONEY!!!!!! Plans like these offer customers some peace of mind down the road. If this helps you sleep better at night, you are not much of a mechanical person, or plan to hold onto your ride for a number of years then this might be a plan for you.

I have never purchased an extended plan like this but then again I could handle about anything that might need to be worked on with my ride. Dean
I agree with your assessment Dean EXCEPT, Im a decent shade tree Mechanic and there are things that go wrong on these Indians and ALL modern vehicles that I would feel uncomfortable trying to fix. The days of simple troubleshooting are over, in my opinion.
Are they a money maker? Yes. Its just modern gambling. We're gambling it will break, the manufacturer and the Insurance Company they buy the coverage from are betting against. The price reflects the amount they are willing to hedge their bet.
I paid $1900 for 5 additional years for the plan from Polaris. Each person has to decide if the price of the plan is worth it to them. In my case it was.
Its only the second plan of such I have ever purchased. The first was on our Mercedes. The cost of German Luxury cars is thru the roof. My Toyota Tundra, didn't even consider it because of reliability.
 

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When I bought my RM I purchased an additional 3 years warranty. I'm not certain, but I thought this was through Polaris.(I'd have to go dig out the paperwork) When I just bought the Scout the dealer was selling an extended warranty through a company called Pinnacle. I did not purchase it at the time, but was told I could do so any time prior to the original warranty expiration. The salesman told me they don't sell the Polaris extended warranties because Pinnacle is much easier to deal with on warranty repair than Polaris. He said the coverage is identical and the Pinnacle is slightly cheaper. Non of this confirmed...FWIW.
He told you that because dealers get a commission on the sale. They often sell it to you at a markup they think you'll pay then offer lower price if you wont.

Im sure the dealers get something for selling a Polaris warranty as well, but don't think they have flexibility in negotiating the price.
 

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Thank you everybody. One more thought. I plan on adding stage 1 indian exhaust, freedom true dual and slip ons. The dealership will install. They downplay the warranty effects. They say, they..dealership..will cover. Big dealership (Bairs in Canton Ohio) they claim they have never had an issue and will stand behind everything. They have been great and I am inclined to believe them. Just throwing that out there as well.

Also, one more thing. The literature the Indian Warranty coverage sent says the 5 year warranty starts when the 2 year coverage ends for a total of 7 years. On their website it says that the coverage starts with the in service date. A bit confusing. I sent an email to them asking for clarification. I will post their reply.
Did they give those assurances to stand behind you in writing?
 

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So you have the factory 2 year warrantee and then the 5 years is additional, so you have 7 years total? Does the additional contract cover all of the electrical and mechanical?
Correct. $50 deductible Started in Jan this year. Due to surgery last spring, I still have a little less than 5k miles on it. Not really broje in, so thats another reason I got it. Never really tested the original 2 years except recalls. Oh they did replace my starter and seat.
I will have to dig it out but believe only mechanical minus normal wear and tear items.

Edit: INDIAN MOTORCYCLE Protection Plan covers all mechanical and electrical failures excluding wear items (batteries, belts, wheel bearings, etc.) abused units, neglected units or cosmetic damages. Terms are state-specific
 

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My original 2 year warranty is expiring this coming May. I just read all of the solicitation for the extended plan. I got cams, gutted cat, pvcx, slip on exhaust and aftermarket intake, clutch and more in my bike. I'm handy with pretty much most repairs except maybe cracking open the engine case for something major. For me I'd rather put the $1900 in a high yield savings account or 5 yr CD and use it exclusively for any major repairs than to hand it over to Indian/Polaris and "maybe" receive coverage. The reason I say maybe and this may apply to the OP is that you said you're possibly planning some long trips on your bike, me too, so that automatically places unknown dealers and/or service reps that most likely don't know you, have never talked or even met you let alone your bike. Sure it's an Indian but over that last 2 yrs that I've been hanging around this site Indian warranty claims can sometimes be maybe/maybe on a stock bike (depending on the warranty claim) I'd hate to think what they'd think about my modified ride. And that with just that word alone, modified, the dealer can turn anyone away. Am I taking a risk by not buying an extended warranty/service plan, yep definitely. Is my bike going to cost me over $1900 in future shop repairs, no idea, time will tell, from what I've heard, seen and continue to research so far I'd say not. And in 5 yrs hopefully, God willing I'll have close to $2,000 to put into new performance parts and beer money! Cheers.
If you already have all those add ons, imo you'd be a fool to purchase the extended. I don't believe you'd be covered. Drink up!!!
 

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I haven't read every post in this thread, but I think I see some need for clarification.

In my experience, a service plan is a pre-paid plan for normal/routine service events, like oil changes and etc. I have that on my Toyota and in their case, they give you two years of it at no extra charge when you buy a Toyota. You can also buy service plans, like I've done, for a vehicle, where you pay in advance for a service plan but you typically get a better deal than if you paid for it all separately. Service plans are not warranties!

Then there's an extended warranty, like Indian's, where you pay something for an extension of your original warranty. And warranties do not cover everything, so it pay to know what is and is not covered. My two-year anniversary on my Classic is coming up and as with other purchases of mine, I try to but quality products and therefore do not buy extended warranties. Indian is a well-made bike so I'm not planning on extending my original warranty. Yes, s**t can happen, but I'll take good care of my bike and roll the dice.
Indian calls it an "Extended Protection Plan" it is effect a warranty with a $50 deductible. It does not cover normal wear and tear items.
I know what your saying. Normally that means oil changes and stuff.
 

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I guess the price dropped a little, because I just received this yesterday and I'm not sure what I'll do yet. I am very mechanically inclined but not much of a diagnostician. Simply put, if I know what part is bad, I'm capable of replacing it lol. View attachment 474682
I THINK the price might be tied to which model you own?
 

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Yeah I would like to hear from people with 2015 or older bikes which are not modified to see what typical issues I can expect. Most times people that experience an issue usually dont tell that they have PC installed or FuelMoto or a host of other changes that could lead to an issue. Taking all of those mods out of the picture I'd like to know what issues these bikes typically have.

Well older? Lol
Agreed, but some of the earlier issues were resolved by Polaris in later models, so keep that in mind as well.
 

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Well, there is that as well. $1600 may be money well spent. Plus theres a $50 deductible. I think I have until 18 April to make a decision.

It's just hard to buy these after being a salesman, and knowing what a dealer pays for them and what we sell them for. These extended warranties/service plan or whatever name you prefer typically cost $400 for GM vehicles but sell for $1200 - $2000. Just makes me want to cry knowing that I'm being raped lol but this is directly from Polaris, and not through a dealer. If that even makes a difference.
Well I have never been a fan BUT 1 of my Mercedes Benz Sprinters just went into starts shutdown. It gives you 10 Starts before it wont start again until serviced.
Took it in to dealer. Its a 2014 with 190,00 miles. Ive had no issues with it. Dealer calls me yesterday. Says, the bad news is, it needs an entirely new exhaust. Good news, you bought the extended warranty in 14 and its covered entirely.
This was a commercial purchase, and I don't recall purchasing a extended warranty. I'm not arguing. Its over 5k in repairs (MB 3.0 twin turbodiesel).
Salesman is a friend. I think he added it on purpose without asking.
 

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Well, there is that as well. $1600 may be money well spent. Plus theres a $50 deductible. I think I have until 18 April to make a decision.

It's just hard to buy these after being a salesman, and knowing what a dealer pays for them and what we sell them for. These extended warranties/service plan or whatever name you prefer typically cost $400 for GM vehicles but sell for $1200 - $2000. Just makes me want to cry knowing that I'm being raped lol but this is directly from Polaris, and not through a dealer. If that even makes a difference.
My thoughts on any newer vehicle. The electronics alone have become so complex. At least have the warranty covering the length of your loan.
Im not a bad shade tree Mechanic, but know nothing about the modern electronics of these new beast.
 

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You're like yeah that extended warranty lol. Certainly to your benefit now.
When he called, I said "is that some federally mandated requirement on the emissions?" He said "no, you bought an extended warranty at time of purchase". I said "oh, I remember now".
Then he's like all apologetic because they had to order the exhaust and it wont be done for TWO DAYS! I'm like thats fine, take your time, Im just glad it didn't break down on the road. He said no worries, thats covered too, to the closest MB SPRINTER authorized dealer.
Not all MB dealers are allowed to sell and repair the Sprinter. They have to have Sprinter Techs on staff.
 

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I don’t know who the supplier is for the Indian extended plans. But I’ve had them on 3 of my Electra Glides and with Harleys $50 deductible they more then payed for themselves 2 to 3 times over. If you put the miles on and your going to run it 4 to 5 years. I think they can be worth while. I put between 15 and 20g on a season so for me if the policy is anything like Harleys it’s worth while. I had 1 Electra Glide just in radios they replaced 2 of them. One of them by the time I hit 90g replaced starter, stator voltage regulator and main primary bearing, rear schocks. Money well spent in my eyes. But like mentioned I don’t know how well indians extended policy works. But I’m probably gonna find out down the road.
Polaris like most manufacturers purchase an Insurance policy against failure. The Insurance company rates it based upon reliability statistics of said model.
 

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This is the exact opposite of my understanding -- my dealer tells me, and I believe him, that the extended plan they sell me specifically IS accepted at every Indian dealer, period. Am I missing something?

I'm also never big on extended warranties/plans, because I typically buy quality products that are well made, and take care of them. Still, a motorcycle is nt a blender or a big-screen TV. Some expensive stuff can go wrong on a bike like this, and a big part of having coverage is simply the peace of mind (mostly) that comes with it. I'm weighing the three-year extended plan right now -- that's about as much as I can spare -- and have to make up my mind by June 24!

(My dealer's quote for me, FYI, on my 2016 Chief Classic: "Add 5 years for $1400 plus tax , 4 years for $1200 plus tax, 3 years for $1000 plus tax, 2 years for $800 plus tax, and 1 year for $600 plus tax. All are $50 deductible.")
I have no reason to not believe what your saying. I'd say a good portion of dealer sold warranties are accepted at all Indian Dealerships. These are the same E.S.C. that I purchased direct from Polaris.

There are a few that offer 3rd party policies that will not be accepted at all Indian dealerships.
 
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