*"Re: My 97 - K2500 Suburban ... Has ...!"*

[RollsRoyce]

Anyone had any experience with an after market warranty provider called *FIDELIS* - out of St. Louis, MO ...

I've got 161K & they offer 5 yrs. & up to 262K mileage coverage ...

Ain't cheap = but neither is a new tranny, etc. ...


I looked about on the forum but couldn't find any info ... if anyone knows of info on the forum please refer me to it ...


Thanks, & All Best, .. RR ...

[RollsRoyce]

Almost forgot ... Ho - Ho - Ho - to all ...

An early MERRY CHRISTMAS & A HAPPY NEW YEAR to all ..

Gettin a few posts in ...

All Best, ... RR ....

[retired]

I'm not a big fan of after market warranties, there are to many lop holes and they still cost you more in the end.

[Springthing]

Here is the issue I've had with the aftermarket warranties. I actually DID use one and it served it's intended purposes. I had to replace an A/C..... condenser, I think it is? For a Jeep. They actually had to take out the entire dash and whatnot... it ended up being extreeeeeemely expensive. That warranty actually came in handy.

What I've been clued into is that most of the high miles/old car warranties are worded and have coverage for an extremely limited range or repairs. I know the present one I have (was given with the suburban) doesn't cover much other than huge major components that need to actually BREAK. There is a high unlikelyhood that the things listed will happen. Not only that, but they pay for repairs of that particular item, not any incidentals. So if your engine block happens to split in half while sitting in your driveway (so as not to fault any components that are not covered) they'll go ahead and pay for the replacement block, but any other work along the way you'll be responsible for. Any other components that were broken when then block spontaneously split itself will be your responsibility to fix.

Again, I've never had the situation arise other than the one and am only going on what I've been told by a shop I frequent.

And as for fidelis.... well... I've never used them. Let us know!

[RollsRoyce]

I'm too old & fat to do any real repair work myself anymore / plus I've got a tainted ticker ...

The quote I got for the Suburban was around $3K, for 60 months + 100K of new mileage, (up to 262K) = supposed to be bumper to bumper ... all mechanical, electrical, a/c, drive train, exhaust, suspension, (I assume like ball joints, etc.) also supposed to include all 4wd stuff ... (of course no brakes, tires, batteries - wear stuff) ... but that stuff is never covered by any warranty ...

They also provide 24/7 = 365 = road serv., towing + a free Rental car @ no additional cost ... and apparently its transferrable if you sell your car ...

Shop must have ASE Mechanics / private or dealers ... anywhere in USA ... They prefer to pay the shop directly, (wire Transfer), but will also re-imburse you if you pay for the repairs yourself) ...

That way they get to speak to shop to authorize, I guess ... personally I prefer new o.e.m. mfg. parts - but sometimes top of the line a/markets are better than o. e. m. ... replacement ball joints for example = from Ford I think come with no grease nipples ... anyway ...

If I add my 99 Explorer the deductable drops to $50.00 = on either / the 99 Explorer has 101K on it . cost for it would be around $2,400.00 ... same 60 months & up to 201K ...

and you can pay monthly for approx. 24 months ... on a CC ... Goes into effect immediately = Suburban with down payment of $135.00 & Explorer down = $124.00 ...

They did ask if there were any *pre-existing* unrepaired conditions on either vehicle ... ?? Kinda like a health or life ins. question??

Checked them out thoroughly on all blogs / chatrooms / internet related ... and spoke to both my local ASE shop & both Chevy & Ford dealers ...

I was pleasantly surprised = very good rep . . . not perfect = but very good ... except one guy who bought a $6K tranny for his Corvette ... they froze his account after they paid that claim ...

The dealers tried to suggest that I go with someone they work with but the 161K Suburban is already over their Max ...

So, I'm thinkin about it . . . I'll let you all know my experience ... if I decide to do this ... because it does sound almost too good to be true ...

Any additional input would be appreciated ... and thanks a bunch ...

All Best, ... RR ...

[phoebeisis]

Did they actually say they would pay by wire transfer? I wonder if that means some sort of Western Union(which all the scammers use), or maybe it means they wire it to the bank of the shop?

Either way it seems kinda odd for an insurance company to actually specify how they will pay. I can't remember any car insurance company making a big deal out of saying " hey, we pay by cash or check"

My point is I don't trust any business I've never heard of especially one that makes a big deal out of saying how they will pay-like maybe they don't really plan to pay anything , but figure you'll feel better if they make a big deal out of specifying how they will pay.

$3000 is plenty, but frankly it isn't enough for a high mile vehicle.They are planning to make money off you,and they really can't make $$ insuring high mile vehicles against "all repairs" for 100,000 miles to 260,000 miles.

It just doesn't sound right. They are planning to screw you in some fashion.The chances of much more than $3000 in repairs is very high- HOW DO THEY MAKE $$ ON THAT DEAL??

Like you said-a transmission costs plenty- maybe $2300 for an installed rebuild. Your vehicle is a 2500-a tow vehicle.Only reason to get a 2500 over a 1500 is to tow. Best guess is that your vehicle has done lots of hard work,so it should have some wear.

Now I'm not saying that the GMs are underbuilt- my 208,000 mile Suburban bought with 195,000 miles on it- pretty much puts paid to that notion-they have a very reliable drivetrain. Still 160,000 miles is lots of miles.

Don't trust these suckers- better to just put that $3000 aside for repairs. I've done $400 in repairs(just parts $155 radiator,$130 brake booster,$40 belt tensioner,$60 water pump)in 13000 miles-that strikes me as about right- or maybe better than average) for a high mile vehicle.It would have been maybe $1500 for a shop to do the work. Just figure $1000/yr in repairs and put it aside.

$3000 for 100,000 miles on a high mile vehicle is too little-they plan to not pay the owners in some way.

Merry Xmas,
Charlie

[RollsRoyce]

Did they actually say they would pay by wire transfer? I wonder if that means some sort of Western Union(which all the scammers use), or maybe it means they wire it to the bank of the shop?

Either way it seems kinda odd for an insurance company to actually specify how they will pay. I can't remember any car insurance company making a big deal out of saying " hey, we pay by cash or check"

My point is I don't trust any business I've never heard of especially one that makes a big deal out of saying how they will pay-like maybe they don't really plan to pay anything , but figure you'll feel better if they make a big deal out of specifying how they will pay.

$3000 is plenty, but frankly it isn't enough for a high mile vehicle.They are planning to make money off you,and they really can't make $$ insuring high mile vehicles against "all repairs" for 100,000 miles to 260,000 miles.

It just doesn't sound right. They are planning to screw you in some fashion.The chances of much more than $3000 in repairs is very high- HOW DO THEY MAKE $$ ON THAT DEAL??

Like you said-a transmission costs plenty- maybe $2300 for an installed rebuild. Your vehicle is a 2500-a tow vehicle.Only reason to get a 2500 over a 1500 is to tow. Best guess is that your vehicle has done lots of hard work,so it should have some wear.

Now I'm not saying that the GMs are underbuilt- my 208,000 mile Suburban bought with 195,000 miles on it- pretty much puts paid to that notion-they have a very reliable drivetrain. Still 160,000 miles is lots of miles.

Don't trust these suckers- better to just put that $3000 aside for repairs. I've done $400 in repairs(just parts $155 radiator,$130 brake booster,$40 belt tensioner,$60 water pump)in 13000 miles-that strikes me as about right- or maybe better than average) for a high mile vehicle.It would have been maybe $1500 for a shop to do the work. Just figure $1000/yr in repairs and put it aside.

$3000 for 100,000 miles on a high mile vehicle is too little-they plan to not pay the owners in some way.

Merry Xmas,
Charlie

I appreciate your input ... I'm hoping to hear from anyone who has actually had experience with these guys ... 'cause, like you, I'm quite skeptical ...

I've had this truck since new ...Took out the extended, (up to 100K warranty from Chevy), and had at least a thousand a yr. in repairs they paid for ... from 30K to 100K ...


Between the 100K and the 161K I've probably gone out of pocket another $3-4K ... As I'm sure you're aware these trucks are VERY high maintenance = weird brakes, etc. ...

They also mentioned that this extended they are now offering is VERY NEW ... & because of many requests they have added this for vehicles up to 20 yrs. old -with high mileage ...

There was several delays in giving me their quote, making me think that they apparently submit the vehicle age, mileage, description, to an underwriter who makes an individual decision on each vehicle ...

That said = I agree = I can't imagine how they can make any $$ even at the $3K ...

I'll let all here know = if I decide to go with them & my experience - if I do ...


How the heck can you guys read the tiny print . . . that's why I must increase the size, just to read it ... I'm old = bad vision = & usually can't find my specs ...


Merry Christmas & a h/n/y back at you &

All Best, ... RR ...

[StillMatic]

Off topic, I think it was your Rolls Royce on the cover of the Metro Newspaper in the drive thru of Burger King! The headline said that even the rich were cutting back on the cost of food.