I'm just so bummed out as well. I bought the extended warranty as an "insurance" also. I'm very mechanically inclined and can do any work on a vehicule, but with the first time ever buying a brand new vehicule, I didn't want to screw around on thousands of dollars worth of work if the motor or transmission went to hell. Therefore, the promise to get all my money back if I don't use it in the extended part was a no-brainer for me; So I thought!! Even 5 years in, my oil filter housing started leaking oil, and because I had only about 1 year to go to get my 4000$ back, I decided to take the top of my motor apart to get to the oil filter housing and spend my time and money to fix myself; It was easy, but I only did it because I had 4000$ coming my way shortly! If anything major would've happened in the next year...it is what it is at that point, and I wouldn't been out the 500$. I understood all my cards and how I was playing them. That's right! you read it right....I am getting soaked for 4000$!!!!!
All paperwork was sent within the first 60 days. XWRP replies saying the dealership letter needs to come from the selling dealer. So I contact them, get it and send it out. Then they reply I need to provide maintenance records of at least 1 oil change per year!!! Now this pissed me off because when the warranty was sold to me, I made sure with the salesperson that I can do all my own oil changes and he assured that it's all good and it wouldn't make no difference!! Luckily I was able to prove at least 2 oil changes per year with all the paperwork recorded in my maintenance book.
Then I got the denial letter comes in as I expected at this point because, to me, it was obvious they were just rolling down the script and trying to find the next possible thing I probably wasn't able to provide and claim that as a denial! This denial letter states I had passed the alloted kilometers throughout my contract, which was 120000km at the end of april. This is the interesting part; My last oil change was mi-may, which I jotted down the 126000km I had then.....BUT this does not prove in any way what I had kilometer wise at the end of april; Nor I or do they know at this point! So I'm getting denied on something that no one could prove at the time the denial letter was sent. If that was an item that was enough to deny a claim, wouldn't they want me to go get a dealership record on file with my kilometers on it......
Right now, I'm going to see where all this goes with the dealership, but having every single piece of paperwork, e-mail, phone conversation log and everything else in between since april 2014, and this ridiculous denial letter, I'm not far from going to small claims and see what happens.
Everytime I went to the mailbox since april 2020, I was 100% sure I had a cheque waiting for me, but then I open the letters from XWRP and am completely chocked at the responses with a gut wrenching feeling every single time!!!
All this to say, if anyone has any tips for me along my journey....feel free to contact me privately please, I would truly appreciate it!!!
Cheers to you all and hopefully we can help others going forward to understand what they're in for if they sign that paperwork with the expectations that were promised to us!
