Saturday 29th of December 2018 12:14:03 AM
I was sold the most expensive warranty for an Infiniti G37x and told it’s the equivalent of the bumper to bumper warranty my car had when new. Turns out anything they don’t want to cover is considered a pre-existing condition. My state inspection last year had no issues, but this year my ball joints needed replaced. Royal administration denied the claim saying this must have been an ongoing problem for a long time. When I asked how long is ‘long’ they basically said prior to my contract. There is no noise, vibrations, or driving issues that would have alerted me something is wrong. The only way I know it’s a problem is because the shop told me I failed inspection because of the joints. The 1,000 miles / 30 day validation period is a lie. Turns out different parts of the car have different validation periods. I was told the ball joints failed ‘too early’ in the contract, even though it has been 7+ months and over 5k miles. So don’t think that passing the initial validation period means you are covered. You basically need to know the condition of every single part of your car before you sign a contract, and even if it works fine, they can still call it a long term preexisting condition a few weeks in. Isn’t everything technically a ‘preexisting’ condition on cars with very high mileage? After asking for specific details between ‘preexisting’(not covered) and ‘sudden failure’(covered) examples, I was given scenarios that would have been covered if Parts A/B/C failed. After reading more reviews, I saw these specific scenarios also being denied as preexisting conditions when electronic parts failed. Carchex sells the warranty but Royal administration services it. That way when you complain about a denied claim, carchex will send you to royal, who actually denied it. When you complain to royal that you were misled(lied to) during the sales process, they will send you to carchex, who actually sold it. That way it’s no one’s responsibility and you get the runaround. I did what most others did, came to review sites like this one and saw they had a positive overall rating. But if you actually read through the good and the bad, you will see the vast majority of positive reviews deal with the sales process and how polite the representative was in explaining the coverage. The negative reviews are mainly from people who tried to USE the warranty and realized the truth. Their sales tactics are borderline illegal due to the misrepresentation that takes place. I assume they pay the bare minimum of claims just to to avoid legal action against them, but that is my opinion. UPDATE: situation was resolved to my satisfaction and star score upgraded. The company made me whole financially.