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Originally Posted by pbanders
Another guy just had Jake do his IMS and with some extras it was $3500.
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That was me. The "extra" was a clutch replacement (labor & materials) and a RMS. All this would have cost me ~$1800 to have done around here. I got a new flywheel from a friend and they installed that included in the price. If you're ready for a clutch, then the real cost for the IMS retrofit is more in the neighborhood of $1700-$2000, depending of what a clutch job alone would've cost you.
To me $1700 was money well spent, particularly when Jake showed me that my bearing was in the early stages of failure. Spending money on an overpriced policy to potentially cover an IMS failure, and then spending a lot of time and effort being jerked around who knows how long by a well-financed warranty company in an attempt to collect just wasn't an appealing prospect. $1700 was the cost of my "insurance" policy. The rest of the potential problems that come with Boxster ownership I can deal with - and afford.
Put your $3800 in a rainy day fund and go for the retrofit when you need a clutch. You'll almost definitely come out ahead in the long run.
Don't forget, there's lots of profit in these aftermarket warranty policies, for the dealers and brokers that sell them, and for the companies that issue them. Actuaries figure out how much they're going to have to pay out. If it's $0.50 / $1 of total premium paid, I'd be surprised.