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Model specific boards => Golf mk7 => Topic started by: karlos on 07 October 2020, 15:32
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My car turns 3 next month and I've been wondering what's the latest consensus is on extended warranties.
From what I've seen and heard the Mk7 has proved to be pretty reliable with few reported catastrophic or expensive failures. On the other hand, there are still some potential for huge bills, DSGs still crap out occasionally, water pump issues haven't fully gone away and replacing a headlamp, turbo or infotainment head unit would be pretty expensive too.
FWIW VW have quoted me £187.95/yr for named component cover, £230.43 for all component. That's for a car with 19k on the clock, doing <10k miles/year with a £250 excess.
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Obviously read the policy brochure first, as even the all component cover has some exclusions. But at less than £5 per week I would just get on with it. It wouldn't take a big issue to come up and cost more than that. I recall on my Mk5 a replacement bonnet catch was over £100 fitted.
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Hey Karlos, I was wondering exactly the same thing for my GTD as i'm in the same boat with original warranty running out next month.... spooky :smiley:
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Def worth havign if you're thinking of selling privately, gives the buyer some piece of mind.
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The voting options needs an undecided option :whistle:
Given how awkward and obstinate VW can be with even obvious warranty claims, is going with them for an extended warranty a good idea?
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The voting options needs an undecided option :whistle:
Done :cool:
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Given how awkward and obstinate VW can be with even obvious warranty claims, is going with them for an extended warranty a good idea?
Reading the policy wording, it doesn't look like there's any such thing as an obvious warranty claim. Wriggle room everywhere you look. But having said that, I expect most aftermarket warranties will be similar. The important thing is to avoid any gaps between coverage.
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VW’s extended warranty seems to be quite popular over on VWROC.com with R owners. I can’t recall reading over on that forum of any instances where a legitimate claim has been declined.
These extended warranty products are effectively an insurance product providing cover for sudden and unforeseen electrical and mechanical failure, and as with all insurance products, there’ll be exclusions. As @Guzzle says, read the policy booklet so you know what the extent of the cover is and what’s excluded. Anyone with a modified car would need to look elsewhere for cover though as VW’s product excludes cars modified from VW’s specification (presumably the factory spec). Interesting to see on VW’s website that the warranty is underwritten by Volkswagen Versicherung AG and not a third party insurer.
If I was considering buying an extended warranty, given the choice of a third party warranty from the likes of Warrantywise or Warranty Direct or VW’s own product, I’d go for the VW product.
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My GTI turns 3 early next year, and coincidentally I was thinking about extended warranties just the other day. Did you approach VW for a quote or did they write to you ?
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You can ask for a quote on VW's website
https://insurewithvolkswagen.co.uk/extended-warranty
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Started my motoring life in 1996 with a Fiesta and onto Puma in 2001, Leon Cupra in 2007 and Golf GTI in 2017. All well maintained and driven sensibly. The only thing that ever actually broke was the Leon, which developed a slight misfire at 130,000 miles and 10 years and so got traded in for the Golf.
Have never bothered with a warranty and can't see myself changing my mind. Although I did get a quote from WarranyWise, just in case it was silly cheap. At £550 it most definitely was not.
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I've just renewed mine with VW.
I received an email from VW inviting me to renew.
£230 ish All component car has 16k with 100 XS.
I however misread the email & thought quote was valid until end of August, it was however 30 days so I missed out by the time I came to renew ( by 2 days). Re-quote was in excess off £500.
So rang VWFS and asked if they would honour original quote.
After speaking to the infamous Manager they agreed.
Only thing gone wrong in the 3 years was bad pixel line on Infotainment system.
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Modern day cars are much more complex than cars of say, 20 -30 years ago with more to go wrong, and some of those potential mechanical and electrical failures could be very expensive.
An extended warranty won’t be for everyone - it depends how risk averse an individual is. It won’t even be a consideration for some owners; those who lease and those who buy with PCP and hand the car back when it’s three years old. However, for those owners who do buy an extended warranty, it will give peace of mind to some degree against potentially large unforeseen repair costs that might happen and which probably haven’t been budgeted for - e.g. blown turbo, failed DSG transmission, failed infotainment unit.
Some owners will choose not to buy an extended warranty but instead will create a ‘repair fund’ that they periodically add funds to, so if faced with unexpected repairs to their car, they have a fund to draw upon to help pay for repairs. If there aren’t any large unforeseen repairs to pay for, then they’ve got a pot of money to use as the please. Other owners will do nothing.
An extended warranty won’t be for everyone - depends on a number of considerations which will be different for everyone depending on their individual circumstances. Will I buy an extended warranty when my car is three years old? Maybe, but at the moment I’ve not given it any thought as I’ve only just got my current car.
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VW’s extended warranty seems to be quite popular over on VWROC.com with R owners. I can’t recall reading over on that forum of any instances where a legitimate claim has been declined.
These extended warranty products are effectively an insurance product providing cover for sudden and unforeseen electrical and mechanical failure, and as with all insurance products, there’ll be exclusions. As @Guzzle says, read the policy booklet so you know what the extent of the cover is and what’s excluded. Anyone with a modified car would need to look elsewhere for cover though as VW’s product excludes cars modified from VW’s specification (presumably the factory spec). Interesting to see on VW’s website that the warranty is underwritten by Volkswagen Versicherung AG and not a third party insurer.
If I was considering buying an extended warranty, given the choice of a third party warranty from the likes of Warrantywise or Warranty Direct or VW’s own product, I’d go for the VW product.
I'd be pretty unsure about which to go for because VW warranties don't seem to be worth the paper they're written on these days -especially the standard 3 year warranty that the car comes with!
When you question their decision to deny a claim, you never get to speak to the decision maker to try and understand their logic in doing so. If the dealership has conveyed the nature of the fault to the decision maker in a certain way, you are screwed, with no route of appeal.
It would be really interesting to know whether its a German thing to be so arrogant towards the customer or whether the likes of Honda or Alfa also now take that approach.
I do find it puzzling that VW decided to pull the plug on factory extended warranties when the other VAG marques still offer them, with the same parts that have an equal chance of failure.
I'm amazed that the EU haven't bolstered consumer protection with mandated longer warranties. You see in the likes of USA and Australia that VW give 8 and 10 years drivetrain warranties as standard. No one pays an arm and a leg out for a car with the expectation that they should only last 3 years without worry. If your DSG box has been fully maintained and packs up at 4 or 5 years old, VW should definitely be paying for it.
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I decided against it as my mileage is quite low (particularly now) and I was also put off by the excess which seemed a bit of a p*ss take
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I'd be pretty unsure about which to go for because VW warranties don't seem to be worth the paper they're written on these days -especially the standard 3 year warranty that the car comes with!
When you question their decision to deny a claim, you never get to speak to the decision maker to try and understand their logic in doing so. If the dealership has conveyed the nature of the fault to the decision maker in a certain way, you are screwed, with no route of appeal.
This is why I think a third party warranty could be better. You can take your car to a trusted garage that will work in your favour where applicable and fight your corner with the warranty company if necessary.
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Don't know where you guys are getting your low figures from, but I just went onto the site (as posted earlier in the thread), selected my Car (2018 GTI), current mileage 16k, all component and less than 10k per year with a £250 excess, and the quote is £420 p.a.?
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Hmm, can't get a figure... Put reg in and it says still covered by warranty and will not allow me to progress
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Hmm, can't get a figure... Put reg in and it says still covered by warranty and will not allow me to progress
It won't give you a quote until there is less than a month left on your factory warranty.
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Oh thanks, i'm a few days away from that, I think reg was on the 14th.
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Just had a look on the warranty website and have been offered the following with 41.5k on the clock:
<10k miles, All component cover
£0 xs - £335
£100 xs - £277
£250 xs - £230
The named component was c. 40-80 quid cheaper over the xs range
I am leaning towards the the £100 xs figure but will have a quick look at 3rd party warranties to have a comparison.
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Just had a look on the warranty website and have been offered the following with 41.5k on the clock:
<10k miles, All component cover
£0 xs - £335
£100 xs - £277
£250 xs - £230
The named component was c. 40-80 quid cheaper over the xs range
I am leaning towards the the £100 xs figure but will have a quick look at 3rd party warranties to have a comparison.
Thanks for posting this.
I am thinking about getting one for mine. Would be interested in your findings.
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Hi Guzzle,
Just had a quick look at other warranties available:
The best on trustpilot with a £100 discount appeared to be 'click4warranty' their 5* for 3 years was £535 with aircon / turbo added and a 7k claim limit. There is a £10 claim fee and additional costs once >60k miles which most folk seemed surprised about until they came to claim, they use Halfords and other garages are used they will expect you to pay for the difference in hourly rates.
Having looked at the reviews most were related to taking out policy's and mostly GAP insurance, the few on actual warranty claims were not great and garages getting authorisation seemed very difficult.
I will muse it over but not going oem if you are bothering at all seems fraught :sad: not saying VW has a sterling reputation for honoring warranty claims, which no doubly I will find out in a couple of weeks when mine is in for door seals and bolster deteriorating :undecided:
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Hi Guzzle,
Just had a quick look at other warranties available:
The best on trustpilot with a £100 discount appeared to be 'click4warranty' their 5* for 3 years was £535 with aircon / turbo added and a 7k claim limit. There is a £10 claim fee and additional costs once >60k miles which most folk seemed surprised about until they came to claim, they use Halfords and other garages are used they will expect you to pay for the difference in hourly rates.
Having looked at the reviews most were related to taking out policy's and mostly GAP insurance, the few on actual warranty claims were not great and garages getting authorisation seemed very difficult.
I will muse it over but not going oem if you are bothering at all seems fraught :sad: not saying VW has a sterling reputation for honoring warranty claims, which no doubly I will find out in a couple of weeks when mine is in for door seals and bolster deteriorating :undecided:
👍
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58 quid to remove a 100 excess seems far too much! All a bit of a game though these things. I've got a VW extended warranty, 15k mile cover, took out in March and I've done about 500 miles since. Money well spent :laugh:
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It's all about the timing :smiley:
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Update -
Which recommends RAC, Their Quote:
3 Years £611, 2 Yr £482, 1 Yr 264
No Xcess
Limit £15600
Insured Policy
No pre-inspection
Day 1 Cover
Labour rate £60/hr
looking tempting..... Anyone had experience with their warranties?
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All I can say is read the policy wording carefully and search the Internet for reviews of the service...
I've just read a few about RAC that are less than encouraging.
Personally, I'd just be sticking some cash to one side each month and winging it.
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I’ve had RAC warranty twice, primarily because I’ve bought cars from Imperial Cars who sell it as their default warranty. I would buy it again. I’ve had to claim and RAC didn’t try and snake out of paying. They’ve also been easy to deal with, which in reality means I didn’t have to deal with them the garage did, which suits me.
The one interaction I had myself was transferring the warranty to a new owner, which was simple to do.
At the end of the day these things are insurance policies (literally and figuratively) and just like normal car insurance, the only thing that matters is paying out when you need it. RAC did, so I’m satisfied.
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Thanks for the response RM, it is really hard to get genuine feedback on performance theses days, esp good feedback as generally people generally do not write those (myself included).... but of course do love to whinge whether warranted or not!
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At the end of the day these things are insurance policies (literally and figuratively) and just like normal car insurance, the only thing that matters is paying out when you need it.
^^ This. And as with all insurance policies, there’ll be exclusions and conditions in the small print, so as @fredgroves has said, read the policy booklet so you know what you’re paying for.
Also, as with most products, cheapest isn’t necessarily the best. A cheap warranty product may mean more restrictive cover and poorer claims service compared to a more expensive one.
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Thanks to those that have suggested RAC. I wouldn't have thought of trying them so will take a look.
:smiley:
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One nice touch with the VW one is that it's non-transferable :rolleyes:
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Short answer, yes!
My 7.5 PP is literally just 3 years old, 17K miles, FVWSH, last month I extended the warranty £288/yr (all component with a £100 excess). Turbo failed today.
Fully covered by VW, new turbo, fitting, courtesy car and they waived the excess.
Many questions on this I’m sure, should it have failed, how did it fail, but the relief knowing it had the extended warranty is well worth it.
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Update -
Which recommends RAC, Their Quote:
3 Years £611, 2 Yr £482, 1 Yr 264
No Xcess
Limit £15600
Insured Policy
No pre-inspection
Day 1 Cover
Labour rate £60/hr
looking tempting..... Anyone had experience with their warranties?
Just got an RAC 'Premium Plus' quote of £278 for 1 year £60 labour rate or £347 for £100 labour rate.
Can't get a VW quote yet. 👎
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Ive had warranty direct warranties on my vehicles for years. Paid out around £5k in total.
My 2012 100k van is due a ball joint in the next 2 weeks that will be covered.
My Golf filler flap actuator failed a couple of weeks ago. They authorised the claim but I ended up fitting it myself for £35.
They’ve always be fair to me.
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So in the end I went for the VW all-component cover with £250 excess. I went with the high excess because I primarily want the cover in case of major failures like the engine or gearbox, I'm not too bothered about paying out of pocket for small repairs.
By the way, did anyone who bought a VW warranty get any kind of confirmation? I bought mine last Thursday and haven't got an email or anything.
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Update -
Which recommends RAC, Their Quote:
3 Years £611, 2 Yr £482, 1 Yr 264
No Xcess
Limit £15600
Insured Policy
No pre-inspection
Day 1 Cover
Labour rate £60/hr
looking tempting..... Anyone had experience with their warranties?
Just got an RAC 'Premium Plus' quote of £278 for 1 year £60 labour rate or £347 for £100 labour rate.
Can't get a VW quote yet. 👎
Just got a VWFS quote;-
£348 for 15k miles no excess
£288 for 15k miles £100 excess
Will read terms & conditions but given the cheaper RAC quote probably won't cover franchised dealer rates am tempted to go with VW ATM.
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Just went with the VW warranty 277, all component and <10k miles with £100 excess with 42k miles.
Same as you Guzzle worried anout the laboue rate on the RAC, locak VW here charge £115 an hour... ouch!
@ karlos, have not received anything from VW yet either apart from the acknowledgement upon paying....
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Just got a renewal price from VW. Same price as last year (£348), which seems reasonable to me given the risk of some sort of failure increases as the car gets older.
But wondering whether to go for this or the all-in which is not much more expensive. Anyone know if the all-in warranty is the same level of cover?
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Just got a renewal price from VW. Same price as last year (£348), which seems reasonable to me given the risk of some sort of failure increases as the car gets older.
But wondering whether to go for this or the all-in which is not much more expensive. Anyone know of the all-in warranty is the same level of cover?
The terms of the All-In product are white well hidden. I’d paste the link but it doesn’t seem to work when I paste it into my post.
This link takes you to the All-in product summary details.
https://www.volkswagen.co.uk/idhub/content/dam/onehub_pkw/importers/gb/owners/service-plans/all-in/All-in-Driver-Guide.pdf
At the above link, scroll down to the bottom of the screen to the ‘Warranty’ section and click on the word ‘here’ where I’ve indicated on the screen print below and the All-in product terms document will open which gives full details of the cover.
(https://i.postimg.cc/rFmcbqw1/C5-A51-EC6-C520-4-AC6-AF2-D-BF27718366-BB.jpg) (https://postimg.cc/pygg5b8r)
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Thanks, I'll take a look later👍
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I would've thought if you were willing to pay that just for the warranty then the All in would be the better choice it works out £400/year which includes a service, MOT, road side assistance and the warranty as you will know.
The all in can be paid for in instalments, don't know if the standalone warranty can, so £33.45/ month over 2 years.
I'm taking it out next month.
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I’m thinking of taking the All Component Cover.
But, I bought my car used not from a dealer and it hasn’t got a FVWSH but a FSH from a VAG Specialist, who say their servicing and repairs are in line with manufactures warranties.
Can’t see anything in line with my query (unless I missed the wording) to say they wouldn’t “insure” me except due to modifications.
Any help?
Can’t seem to find a number to call directly.
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I’m thinking of taking the All Component Cover.
But, I bought my car used not from a dealer and it hasn’t got a FVWSH but a FSH from a VAG Specialist, who say their servicing and repairs are in line with manufactures warranties.
Can’t see anything in line with my query (unless I missed the wording) to say they wouldn’t “insure” me except due to modifications.
Any help?
Can’t seem to find a number to call directly.
I went for the all-in plan and although mine had FVWSH, I was able to show them documents that other scheduled maintenance items had been done - e.g. brake fluid change. The same policy may apply for services.
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I’m assuming those maintenance tasks were not done by dealership?
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My reading of the policy is that any servicing or repair work not carried out by a vw dealership must comply with vw schedules and use vw parts. My independent garage includes part numbers and/or specs such as oil used in the invoice so provides proof of compliance with vw schedules. This would appear to meet the all-in contract requirements but I would double check with vw and is in line with the requirement to meet the initial 3 year manufacturers warranty.
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I would've thought if you were willing to pay that just for the warranty then the All in would be the better choice it works out £400/year which includes a service, MOT, road side assistance and the warranty as you will know.
The all in can be paid for in instalments, don't know if the standalone warranty can, so £33.45/ month over 2 years.
I'm taking it out next month.
Yes I understand that it has more things included for not much more money. What I was trying to understand was whether the warranty cover under the All-in policy was the same as the cover under the standalone warranty.
Also, as I already have a VW service plan in place, then it appears my vehicle isn't eligible. So I expect this would need to be settled / cancelled before I can take out All-in cover anyway 🤷♂️
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My reading of the policy is that any servicing or repair work not carried out by a vw dealership must comply with vw schedules and use vw parts. My independent garage includes part numbers and/or specs such as oil used in the invoice so provides proof of compliance with vw schedules. This would appear to meet the all-in contract requirements but I would double check with vw and is in line with the requirement to meet the initial 3 year manufacturers warranty.
Vehicles have to go through a free eligibility check at a VW dealership before they are considered eligible for the All-in product. I dare say that if servicing has been carried out by an independent VW specialist, then checking the service history to ensure the work was in accordance with VW service schedules would form part of that eligibility check. This being so, it makes it very important that any invoices for work carried out by a VAT registered independent VW specialist fully documents the parts/fluids used, along with part numbers, and VW spec numbers for fluids.
Seat has its own Seat branded All-in product and I read on a Seat forum that if any of the advisory maintenance work such as an air con service had been missed, then the vehicle would be ineligible for the All-in product until those missed jobs had been carried out by the seat dealer. The recommended (as opposed to required) biennial air con service is one of those jobs that some owners may not have bothered getting done, especially if the air con is working effectively (if it ain’t broke, don’t fix it?) and is considered by some to be a bit of a money maker for the dealer. Assuming the same approach to missed work is applied by VW, then the additional cost of getting these jobs done need to be factored in by owners considering buying the All-in product.
The All-in product excludes vehicles that have been modified, but I’ve read on other forums that some vehicles with modifications may be eligible - more likely to be those with cosmetic modifications as opposed to performance mods.
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I’m assuming those maintenance tasks were not done by dealership?
Correct, I’d meant to say that! Just done and had the paperwork from other local independent garages.
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I would've thought if you were willing to pay that just for the warranty then the All in would be the better choice it works out £400/year which includes a service, MOT, road side assistance and the warranty as you will know.
The all in can be paid for in instalments, don't know if the standalone warranty can, so £33.45/ month over 2 years.
I'm taking it out next month.
Yes I understand that it has more things included for not much more money. What I was trying to understand was whether the warranty cover under the All-in policy was the same as the cover under the standalone warranty.
Also, as I already have a VW service plan in place, then it appears my vehicle isn't eligible. So I expect this would need to be settled / cancelled before I can take out All-in cover anyway 🤷♂️
Ah right got ya. I was told it was the same cover, not the same as having it in black and white in front of you though :grin:
Going off the other post I'll have to see what happens with not having the air con service done, I was told I must have the brake fluid done but no mention was made of the aircon service.
It's great ringing up places, not just VW, and only getting half the tale!
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To be honest the independent I use doesn’t give me an invoice with the VW part numbers but I get similar paperwork to when I had my SEAT on a service plan which states when my front oil diff change, sunroof & ac should be done.
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But wondering whether to go for this or the all-in which is not much more expensive. Anyone know if the all-in warranty is the same level of cover?
The only difference I see is for exclusions:
All in cover - Clutch frictional material
Clutch frictional material, clutch pressure plates, dual clutch systems and release bearings.
Extended warranty from VW - Clutch frictional material
Means clutch pressure plates, bearing and frictional material.
So on all in warranty DSG seems to be not covered or is that just for.clutch in dsg box?
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Strangely Audi and Skoda currently have special offers on the all in plan, but not VW.
https://www.audi.co.uk/uk/web/en/owners/servicing/service-plans/all-in.html
Just taken this out for my recently purchased A4.
Don't think you can go wrong at the current price of £24 a month.
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^^^^^That's a bargain! Hopefully VW will follow suit and offer the discount.