My Ford Protect warranty......value for money???

[Box Brownie]

Hi all

I have received an invitation for a quote to take out an extended warranty cover for my Ford Kuga 69 Reg in December 2019

I have only done just over 19,000 miles to date and average approx 3500 mile per year.

The cover includes AA Roadside Assistance (not sure what that covers in detail yet?) I do have RAC cover and have done so for decades and that is now quite expensive (I have been meaning to phone and see if they would like to keep my custom

The Ford Protect is online quoting me £212.40 with an excess of £200 (with a £300 excess it is £198.00 so not a huge difference for £100 less excess )

Has anyone else taken out such a manufacturer warranty extension and if so how good, so to speak, is the value for money

PS without tempting fate..................I found it reliable and have no intention of selling it anytime soon........it might be the last car I own!

 

[lindsay]

I would say to look very carefully at what the warranty is covering. My experience is with a Landrover extended warranty, but I'm sure they all are similar as it's essentially just insurance. On a 5 year old car, you will likely only get 25-50% cover on replacement parts after the excess, and possibly only partial cover for labour. Investigate the things that most likely fail or need replacement on the Kuga at a certain mileage/age too. I took the LR one out due to being told that the £3k suspension replacement would be very likely as I'd done 100k miles in 5 years, although even then it was only offering 50% cost reimbursement., but I sold the car instead on that occasion. Whereas on the two Mazda 6 estates I've had, I've not bothered with extended warranties due to their reputation for long term reliability. So far so good.

 

[boogie man]

Agree with this ^. You might also find that a lot of things are excluded as wear and tear items, especially on a 5 or 6 year old car, so read the T&C’s very carefully before you commit.

 

[Box Brownie]

I would say to look very carefully at what the warranty is covering. My experience is with a Landrover extended warranty, but I'm sure they all are similar as it's essentially just insurance. On a 5 year old car, you will likely only get 25-50% cover on replacement parts after the excess, and possibly only partial cover for labour. Investigate the things that most likely fail or need replacement on the Kuga at a certain mileage/age too. I took the LR one out due to being told that the £3k suspension replacement would be very likely as I'd done 100k miles in 5 years, although even then it was only offering 50% cost reimbursement., but I sold the car instead on that occasion. Whereas on the two Mazda 6 estates I've had, I've not bothered with extended warranties due to their reputation for long term reliability. So far so good.

Agree with this ^. You might also find that a lot of things are excluded as wear and tear items, especially on a 5 or 6 year old car, so read the T&C’s very carefully before you commit.

Thanks both for the replies

I have printed off the 30 pages of terms and will be reading them for such insights as to what is & isn't covered. I will be sure to weigh up the fiscal pros & cons.

PS I suppose(?) not including service costs, I could (should )equally 'put aside' e.g. £300 per year to offset/mitigate any significant bigger repairs....which I would in all likelihood have to pay from savings anyway.

PPS last year it needed new rear disks (a tad to my surprise!) and that was quite a hit . It was not a warranty item.. i.e. wear & tear.

 

[lindsay]

You should definitely budget for new disks and pads and tyres every 20k miles regardless - they should last circa 30k but best play safe. To make you feel better, on my Dico that amounted to £2000 every 18 months! One of the reasons I went for a more modest and suitable car.

 

[Nod]

Was that main dealer cost, Lindsay? JLR have a menu pricing policy, so if replacing discs is £500 per axle and pads is the same, the jobs will cost you that 2 grand for all 4 corners BUT that means you're paying twice for all the intermediate stages that are the same for both jobs. Lob in the tyre change and you've paid for 3 lots of wheel removal/replacement... The Jag specialist I take mine to works on the more traditional hourly rate (which is about 1/3 the main stealer's rate!)

 

[lindsay]

@Nod (not wishing to derail the thread) it was main dealer. On subsequent Disco's (I've had three, two from new) I went independent for servicing, so I agree I was overcharged!

 

[Box Brownie]

You should definitely budget for new disks and pads and tyres every 20k miles regardless - they should last circa 30k but best play safe. To make you feel better, on my Dico that amounted to £2000 every 18 months! One of the reasons I went for a more modest and suitable car.

I have checked the invoice....

28/11/2023 @ 15808 miles such a low mileage maybe re: pads 'ish but disks

 

[Nod]

Discs are now softer than they used to be - and pads are harder now they don't contain asbestos. Discs also rust more than they used to.

 

[Box Brownie]

Discs are now softer than they used to be - and pads are harder now they don't contain asbestos. Discs also rust more than they used to.

Yup, that combo change was good for health and the environment in general.....so not knocking that.

And yes, disks certainly used to be more robust & simpler. The braking energy and force was primarily absorbed by the pads but as you say/infer the more modern combo shares the 'work' and hence greater disk wear.

Bearing in mind that change was some many years back (late 80's ???) IMO the disks have gotten worse in respect of longevity

 

[boogie man]

Our Audi Q5 has done just over 60,000 miles and is still on the original discs. The pads have only been replaced once, at around 35,000. I only replaced the original tyres at around 50,000 miles because I had an MOT coming up….they were actually still legal, but were getting a bit close to the limit. I’m a fairly gentle driver but my wife definitely isn’t …..and she drives the car more than me.

 

[Brentor]

You should definitely budget for new disks and pads and tyres every 20k miles regardless - they should last circa 30k but best play safe. To make you feel better, on my Dico that amounted to £2000 every 18 months! One of the reasons I went for a more modest and suitable car.

Seems heavy usage. I haven't changed the discs on my 2016 Skoda Octavia Estate since new. I don't even remember replacing the pads, although they are now due for a change.

 

[Brentor]

Extended the warranty depends on your view of insurance. I never take out extended warranties in anything, hence effectively self insured. However, given the age of your car, issues are more likely now than when it was newer. As others have said, check the terms as the exclusions can be much more penal than expected.

I suggest that you check your breakdown cover as having AA Roadside Assistance and RAC cover is probably duplication in part.

 

[lindsay]

Seems heavy usage. I haven't changed the discs on my 2016 Skoda Octavia Estate since new. I don't even remember replacing the pads, although they are now due for a change.

In fairness, a lot of my first Disco mileage was in outer London stop/start, hence greater wear, but I agree that the durability was poor. My Mazda 6 has done 43k since new in 2019 with same pads and disks - sadly too many punctures thanks to potholes and road debris so quite a few tyres have been consumed.

 

[Box Brownie]

Extended the warranty depends on your view of insurance. I never take out extended warranties in anything, hence effectively self insured. However, given the age of your car, issues are more likely now than when it was newer. As others have said, check the terms as the exclusions can be much more penal than expected.

I suggest that you check your breakdown cover as having AA Roadside Assistance and RAC cover is probably duplication in part.

Yes, I will reconcile the terms and information with what might(?) make sense to whether I am happy to cover my own possibly higher costs in this(or each future) year

Like you, I don't see such insurance as aimed at being beneficial to the client! The fact that is an insurance policy and like all insurance it is a "risk acceptance" question.

 

[Mr Bump]

I'm always stunned at what people accept as reasonable now to have stuff done on there cars.
reason i have had cheapo citroens for the last 20 years , my current one is just a petrol 1.2 no turbo there is so little to go wrong
i suspect a ford kuga has the ecobang engine in it?
yes i would pay for the warranty

 

[Box Brownie]

I'm always stunned at what people accept as reasonable now to have stuff done on there cars.
reason i have had cheapo citroens for the last 20 years , my current one is just a petrol 1.2 no turbo there is so little to go wrong
i suspect a ford kuga has the ecobang engine in it?
yes i would pay for the warranty

Yes, Ecoboost

I did read that the Ecoboost 1.6l was flawed and had significant issues.

The Kuga has a 1.5l version that supposedly solved those problems present in pre 2017 models.

FWIW the Focus I had, had the 3 cylinder 1.0l engine and that was reliable.

So, I unsure whether the issue you describe is prevalent in the 2019 versions onwards or not???

 

[Mr Bump]

Yes, Ecoboost

I did read that the Ecoboost 1.6l was flawed and had significant issues.

The Kuga has a 1.5l version that supposedly solved those problems present in pre 2017 models.

FWIW the Focus I had, had the 3 cylinder 1.0l engine and that was reliable.

So, I unsure whether the issue you describe is prevalent in the 2019 versions onwards or not???

is yours the wet belt version as well?

 

[Suvv]

I bought extended warranty when I got my Fiesta 1L ecoboost. It included the warranty for parts failure, all servicing and MOTs plus European breakdown / recovery. Not really comparable to your offer but it was value for money - and I paid monthly
Just had the first pad change this year, 50 000 miles, the disks are OK, the car has got regenerative braking so that probably helps.