Vehicle Service Contract EXCLUSIONS - Ford Transit USA Forum
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post #1 of 24 (permalink) Old 06-20-2019, 05:50:PM Thread Starter
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Hi All,

Took crewvanman’s advice and tried some texas credit unions for a refinance. That worked out well. I literally found the credit union by just typing “van refinance” into the browser.

Credit union offered me a service contract good for the next six years or next 100k miles.

Seems like a decent deal, seems to cover the expensive repairs. It basically says all the mechanical bits are covered except what is specifically excluded.

This is the meat of the exclusions, does it sound reasonable?

No coverage For any part not specifically listed in the Schedule of Coverages, Ultimate Coverage or Ultimate Wrap Coverage, any of the following parts: carburetor, battery and batterycable/harness, standard transmission clutch assembly, friction clutch disc and pressure plate, distributor cap and rotor, safety restraint systems (including air bags), glass, lenses, sealed beams, light bulbs, fuses, circuit breakers, cellular phones, game centers, AM/FM radio/cassette/CD players exceeding $3000 repair or replacement cost, speakers, audio/video equipment, heads up displays on windshields (whether or not related to touch screen and/or voice activated accessories), any pixel damage on display screens, electronic transmitting/receiving devices (unless listed as specific
covered parts), remote control consoles, radar detection devices, brake rotors and drums, all exhaust components, and the following emission components: EGR purge valve/solenoids/sensors, vacuum canister, vapor return canister, vapor return lines/ valves, air pump/lines/valves, catalytic converter/filtering/sensors, emission vapor sensors, gas cap/filler neck, weather strips, trim, moldings, bright metal chrome, upholstery and carpet, paint, outside ornamentation, bumpers, body sheet metal and panels, frame and structural body parts, vinyl and convertible tops, any convertible
top assemblies, hardware or linkages, tires, wheels/rims. External nuts, bolts and fasteners are not covered unless specifically listed in the Schedule of Coverages (except where required in conjunction with a covered repair).

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post #2 of 24 (permalink) Old 06-20-2019, 05:53:PM Thread Starter
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The service contract is through First Innovations Inc, out of Bedford Tx. It is their FirstGuard product.

They look like a legitimate company.
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post #3 of 24 (permalink) Old 06-20-2019, 06:01:PM Thread Starter
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And this is what they say they will cover, under the “Ultimate” level :

We will pay or reimburse You for reasonable cost to repair or replace any Breakdown of all parts
listed in the Schedule of Coverages and any other parts, except for those items listed in the
Exclusions Section of this Contract

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post #4 of 24 (permalink) Old 06-23-2019, 05:09:PM
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That exclusion list looks pretty comprehensive. I doubt you'd need a repair that WAS covered under the plan.
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post #5 of 24 (permalink) Old 06-23-2019, 09:33:PM Thread Starter
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Originally Posted by alarmist View Post
That exclusion list looks pretty comprehensive. I doubt you'd need a repair that WAS covered under the plan.
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The exhaust and emissions exclusion are the worst part I think.
Price was a lot less than a Ford extended warranty though.
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post #6 of 24 (permalink) Old 06-23-2019, 09:53:PM
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Extended warranties are, if you look only at the profit margin, the worst deal ever invented. Put the money in the bank and roll the dice.
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post #7 of 24 (permalink) Old 06-24-2019, 07:20:AM
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I'm of the opinion they are not worth the money. They don't have to use new parts. Coverage is not what you believe it is.............. We all spend our money differently. I chose not to buy extra warranty coverage.
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post #8 of 24 (permalink) Old 06-24-2019, 11:05:AM
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Quote:
Originally Posted by alarmist View Post
Extended warranties are, if you look only at the profit margin, the worst deal ever invented. Put the money in the bank and roll the dice.
If it was a better deal for you than them, they would not sell extended warranties. They have all the statistics showing high chances of them making 100% profit margins, which is why they push them so hard.

I always say something like, So you are telling me that there is a high likelihood that this product will fail? In that case, I'd better not purchase it. They change their tune pretty fast.
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post #9 of 24 (permalink) Old 06-24-2019, 11:45:AM
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I read one a couple of years ago that excluded any lubricated part, as well as a page of other stuff excluded you might also expect to be covered. Ridiculous.

Always read the fine print, then think of a few possible scenarios you might use for evaluating the policy benefit. After working up the cost, balanced against the exposure to actually ever having the problem, you may find enlightenment about how much it will cost you even with the policy.

I have always found that saving money over time provides a better solution. Savings is self-insurance, and can be applied to a number of failures on a wide variety of owned items.

By comparison, were I to purchase extended warranty plans for everything that offers it, it would be money lost on a long-shot bet that some failure will even happen. Betting like this might bankrupt me in the process.

People with a compulsion for purchasing extended warranties might want to consider Gambler's Anonymous.
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post #10 of 24 (permalink) Old 06-24-2019, 05:57:PM
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I purchased Ford Premium Care for my new Transit. 5y, 100k miles with $100 deductible for $1700. This wasn't their first offer. You can negotiate these plans. I feel I did ok.

I drive 25k+ a year and will not keep van past ext warranty It doesn't cover brake pads and tires but nearly everything else. Odds are I'll see at least one major repair, probably after the 3y, 36k factory warranty also.

PDF Link:
https://fordprotect.ford.com/plan/in...n/premiumcare/


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