First, this is not another post to start a debate of whether extended service warranties/contracts are a good idea or not. It is more of a ringing endorsement for understanding the fine print and to share a discussion I had with one of the warranty providers. The bottom line of what follows is if an item fails, that is not original factory installation, or an approved dealer installed item, there is a likelihood that item would not be covered by the warranty program.
I am negotiating on a used fifth wheel camper and was offered an extended service contract by the dealer. I also contacted two other providers commonly recommended on this forum and got their quotes and contracts for comparison.
They all had clauses that read something to the effect of, covered items are:
“Factory installed or approved Dealer installed……”,
And then found this line:
“This Agreement provides no benefits or coverage and We have no obligation under this Agreement if: ……Your Vehicle is modified from the Vehicle manufacturer’s original specifications regardless of who or when the modifications were made…..”
I had the good fortune to be able to talk with the original owner on the dealer lot and he told me all the upgrades and repairs he had made during the years he owned it. Really good, smart things. Like the Progressive EMS/Surge protector system, ice maker, satellite dish, upgraded MorRyde shackles and suspension, converted from drum brakes to disk brakes, multiple 6V batteries instead of 12, replaced and upgraded one of the AC units, and lots of other things.
So I asked the warranty brokers if these things were covered. One has returned my call and said essentially no. He had called the issuing company for the warranty program who after much discussion said, with this many things having been modified after market, (good idea or not) they would not issue a policy for this coach at all. Say what??
I asked specifically if the coach owner did his own installation of the Progressive EMS system, as I have seen discussed in other posts on how to do this, is it covered should it fail. Nope. He said: "And since the “electrical system” was modified and was not part of original electrical factory installation, it is likely that anything related to electrical would not be covered." (Jaw now resting on the countertop) The owner could be a certified master electrician but if not factory or dealer installed, not covered. So a person installs something really good to protect themselves and their coach, better than an end of shore power surge protector, and it could invalidate the warranty. Wow!
So I offer this as an example of really digging in on these contracts as many experienced folks have posted before, knowing what is or is not factory installed should you be looking at a used unit, and if you make upgrades to your own unit, consider if this will have an effect on your warranty.