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bluemouse52
October 4, 2010
Claims not paid
Think long and hard about wasting tour money on this. Simply put the warranty programs are expensive and cover very liuttle when it comes right down to it. If that is not bad enough the ironically named "customer service " representatives are useless. I took out a policy on my car and have had five issues arise during the course of the policy. Easy care has covered only 1.5 of the 5 repairs. When I call to talk to someone the customer service personnel refuse to allow me to talk to the underwriters as that is against company policy. Yes, you the customer - cannot speak to anyone but the people who answer phones. This would be OK if these folks had any idea what they were talking about. However time after time I have to explain what is wrong with the car and they just don't understand. For example on one occassion I needed a new window motor for the car. The dealer contacted Easy Care but was told it would not be covered because that is normal wear. So I called Easy Care to pursue the matter. I explained the siutaion to the rep on the phone who then had to put me on hold (for 11 minutes) to speak to an adjuster. She came back to me and explained it was not covered at this was a matter of "normal wear". I then asked to aspeak to someone else and she refused. I gave her more details and she spoke again with an underwriter. She then came back and explained to me, "There are many parts of the motor and transmission that can just wear out." Yes believe it or not she thought I was talking about the main car engine and not a window motor in the door! In the end I called back the next day and spoke with someone else who just read off the notes on file from the previous day. I had a problem with a trunk opener/closer and that was also considered to be "normal wear". I am of the impression that the staff are trained to just repeat the words "normal wear" to anyone who calls. They might as well have parrots answering the calls.
Also be advised that whilst you have to pay on day one of your poilcy and the clock starts ticking right then if you want a refund they insist you go to the dealer where you bought the policy and start the refund process. They quote a minimum of 30 days to process the refund (once they receive it from the dealer) but the dealer told me it can take as much as 60 days or more to get the actual money back. I know when I took out the polciy Easy Care claims they did not recive it for 26 days after the inception date - but be sure the policy was backdated to the day at the dealer's office.
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MarC92
January 11, 2010
Scam
Easy Care IS NOT a manufacturer extended warranty on your vehicle. No matter what the car dealership tells you please note that Easy Care service contracts are just that - a third party vehicle service contract. It is designed to mimic, look like, read like and mirror a manufacturer extended vehicle warranty but it is not an extended vehicle warranty from your vehicle manufacturer. The dealership markup on these contracts is extremely high and in some cases over 100%. Shop around at different dealerships even if you have already purchased your car. Do your homework before purchasing one of these contracts. The prices and benefits vary widely.
The most important thing to note about Easy Care vehicle service contracts is that the minute you sign the contract, the clock starts ticking. Again, no matter what the salesperson at the dealership verbally told you, if you purchase an Easy Care service contract the day you purchase a new vehicle, the clock is already ticking even though the salespeople imply and even flat out tell you that the Easy Care service contract will pick up when your manufacturer warranty runs out. And, if and when the salespeople at the dealership try to tell you that you can get your money back if you don't use the EAsy Care contract - BEWARE! There is a generous and hefty fee schedule applied to "unused" service contracts and this is what ought to be illegal as it certainly feels very unethical. The service contract terms and conditions is written in legalese on the backside of each page of your Easy Care service contract. No matter what kind of hurry the dealership salesperson is in, request to take a copy home with you to read it over in entirety before you sign it and agree to pay money for it. Call Easy Care and ask for explanations and ask them to email their explanations to you (in writing) so that you completely understand. They mostly likely will not email you anything in writing but they will sure offer to have a "supervisor" contact you. Don't hold your breathe. The dealership will not like this of course and try to tell you that you cannot finance the cost of the service contract in with your car purchase if you take a copy home to read it - they want you to sign everything very quickly before you walk out the door and realize what you have just signed your name to on paper. Most of the time you won't have any clue about this becaue you will have already been pushed through the buying and signing process at record speed (an inversely disproportionate equation to the amount of time it takes for the dealership to honor service promises). No matter, tell them you will rip up all contracts right then and there unless you are granted time to leisurely and thoroughly read the service contract. The wording is tricky and located in several different places on the contract but do note that when the agreement states that the service contract begins with the date of signature (instead of when the manufacturer's warranty runs out), also note that if you decide to cancel the service contract any time after you sign the contract and before your manufacturer's warranty runs out, you will be assessed a hefty set of fees based on days since you signed the contract and mileage driven on your car. This hefty fee assessment has nothing to do with actually using the benefits in the service contract. You will NOT get back what you paid for this contract in most cases. Even if you sell your car at 10K miles and decide to "cash in" the Easy Care service contract, you will be assessed a hefty fee based on 10K miles and the number of days since you signed the contract - this could be hundreds of dollars. Easy Care staff have a script already laid out for them to tell customers who get caught in this "refund" trap. And, it is a trap. NO MATTER what the salespeople at the dealership tell you, if they won't put their words in writing and sign it, don't believe one word of it. THere are only a few manufacturer's out there that actually have a manufacturer extended warranty. And please note, this is NOT the same as an "extended" service contract such as Easy Care. Car dealers will lead you to believe that it is a manufacturer extended warranty - IT IS NOT A manufacturer's extended warranty. Car Dealers will tell you that Easy Care is one of the better service contract companies but that is not saying much when you compare the company they keep in this overpriced, subjectively benefitted, fear based selling market.
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