I spun a rod bearing on my 2001 986 Boxster which is covered by the XtraCare + package offered by Warranty Direct. See attachment for PDF of the service contract. They were notified and asked me to provide copies of service records, I did not have them on me initially, and they denied the claim. I then contacted my garages and got my records and forwarded them to Warranty Direct. They then reopened my claim. They sent inspector down to inspect engine and he wrote the following inspection report (which they provided to me upon my subsequent request for the reason they turned my claim down)
The service contract states that "All internally lubricated engine parts" are covered, and even mentions bearings specifically. As you can see on page 3 of the inspection report, their own inspector clearly states under Cause of Failure - "The condition of the engine is consistent with the failure of the #2 rod bearing resulting in subsequent damage to the engine from continued operation and a loss of oil pressure DUE to the #2 rod bearing." I pulled over within a couple of hundred yards when the failure occurred, I had to have time to brake and get over.
The engine teardown showed metal shavings in the oil which they say kept the oil from flowing (obviously again, if metal was in the oil, it originated from a failure of one of the "internally lubricated parts" which contract says they cover.
Warranty Direct is telling me that they are denying my claim based on "lack of lube" and that "oil leaks were long term and not addressed in a timely manner." I check my oil via stick every Saturday morning and have NEVER had a bad oil leak that caused a real low level. I did have a Rear Main Seal replaced two days before the failure by Warranty Direct upon recommendation by my dealer.
I wanted to post this so everyone would know that upon a MAJOR claim, that they will fight you tooth and nail. On the minor ones, they have been fine so far, but when my family and I need them the most, they are bailing on me.
I am going to have to take them to arbitration to get something done. That won't be immediately as I don't have deep pockets (arbitration through the American Arbitration Association is going to cost me $1050.00 to file and get started), and my family's Christmas will come first, and I had to buy a beater car to drive until I can afford to fix the Boxster (which I need to do first as I need my good car back) and I do plan on getting it fixed out of my own pocket and seeking reimbursement from Warranty Direct.
I am considering an engine from a board member as well as one from Oklahoma Foreign. That looks like the engine is going to run me from $5800-7500 delivered, and then I'll have installation on top of that as I'm not the most handy person in the garage.
Sorry if I'm ********************ing, I'm just really, really, really bitter right now toward a company that previous to this had treated me OK and whom I've given countless references to in the past. This whole situation has been extremely frustrating and I just need to get some of it off my chest.
I'll be back amongst my Boxster brethren eventually, my family asks me if I've gotten enough of Porsche now, but my beef is not with Porsche, as Porsche has given me many years of enjoyment and smiles and permagrin, my chagrin is with Warranty Direct.
Take care and thanks for listening to me ramble.
Mike
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