Geico's Mechanical Breakdown coverage - DPF/EGR repair?

[tvmaster]

Geico offers an inexpensive insurance add-on - a "mechanical breakdown" clause, which covers everything except for 'normal wear' items such as brakes, filters, etc. Has anyone ever had their DPF fixed under this clause? The deductible is $250. They 'say' that it would be covered, but it's an insurance company, right?
Anyone ever used this piece of Geico extra insurance successfully?

 

[tvmaster]

my experience with Geico has been extremely good so far. As far as the rest.....any Progressive clients like to chime in?

 

[PacCoastFwy923]

My wife's replacement car was lightly rear ended by a Progressive customer. The driver never advised her insurance of the accident, but we handled the entire claim effortlesly through Progressive and our choice of body shop, without ever getting our insurance involved. Good communication and no hassle when the bill went over estimate. From that standpoint, they seem very responsive. I hope it's indicative of how the treat their policy holders and MBI customers.

 

[ezshift5]

...been with GEICO since 2009. Added MBI for JSW TDI 6M when spooked buy HPFP issues,
No claims yet.

I would imagine (?) they would cover HPFP claim. Sure would hope so.

Anyone else?



ez

 

[Namakan]

Geico offers an inexpensive insurance add-on - a "mechanical breakdown" clause, which covers everything except for 'normal wear' items such as brakes, filters, etc. Has anyone ever had their DPF fixed under this clause? The deductible is $250. They 'say' that it would be covered, but it's an insurance company, right?
Anyone ever used this piece of Geico extra insurance successfully?

We used Geico when my wife purchased her JSW back in 2011 but never had to use them. I do recall hearing of or reading somewhere that a few people were able to use the "MB" coverage for a grenaded HPFP but it was long ago and don't recall if I read it here or somewhere else.

The one thing I do remember was Geico would only add the "MB" to a vehicle that had less than 10K or 15K miles. If the mileage was more than whatever their minimum was they were not able to add it.

 

[gmcjetpilot]

Let me give you some advice... Extend warranty or maintenance plans are not worth the paper they are written on.

One word: Exclusions Exclusions Exclusions
One Word: Exceptions Exceptions Exceptions
One Word: Limitations Limitations Limitations
One Word Deductible Deductible Deductible
One Word: Waiver, Waiver, Waiver

You likely waive right to sue, can only do arbitration with a company they
specify at your expense.

With all of these you have to read the policy very carefully. Start asking
a lot of questions; ask it 3 times to three different people at the company.
You get three answers and find out fat chance you will get any value from
these policies is slim to none.

Geico may only sell the product and service it (collect your money).
To isolate their self from bad press and liability they may farm it out
to a small no name company to "under write" the policy.

Of course like all insurance it is a gamble, you have to LOSE to get paid.

An example, if you throw a timing belt and toast the engine, yep they cover
the engine. HOWEVER since they don't cover belts or hoses it is not covered.

Most of these policies has a deductible for each occurrence. If it is peanuts, a
few $100, they have to pay a $100 over the $100 you pay in deductible, you
might get paid off. If it is a BIG TICKET......

You blow a HPFP and want them to fix it for $6000, I guarantee they will
send an adjuster for one reason and one only, to deny your claim for one of
the ONE WORDS above.

 

[gmcjetpilot]

Duplicate, Doha!

 

[Namakan]

Let me give you some advice... Extend warranty or maintenance plans are not worth the paper they are written on.

One word:
Exclusions Exclusions Exclusions
Another One Word:
Exceptions Exceptions Exceptions
Another One Word:
Limitations Limitations Limitations
Another One Word
Deductible Deductible Deductible
Another One Word:
Waiver, Waiver, Waiver
(Waive right to sue, can only do arbitration
with a company they specify at your expense)

With all of these you have to read the policy very carefully. Start asking
a lot of questions; ask it 3 times to three different people at the company.
You get three answers and find out fat chance you will get any value from
these policies is slim to none.

Geico may only sell the product and service it (collect your money).
To isolate their self from bad press and liability they may farm it out
to a small no name company to "under write" the policy.

Of course like all insurance it is a gamble, you have to LOSE to get paid.

An example, if you throw a timing belt and toast the engine, yep they cover
the engine. HOWEVER since they don't cover belts or hoses it is not covered.

Most of these policies has a deductible for each occurrence. If it is peanuts, a
few $100, they have to pay a $100 over the $100 you pay in deductible, you
might get paid off. If it is a BIG TICKET......

You blow a HPFP and want them to fix it for $6000, I guarantee they will
send an adjuster for one reason and one only, to deny your claim for one of
the ONE WORDS above.

The Geico coverage is not an extended warranty or maintenance plan. In a nutshell it removes the exclusion for mechanical breakdown in the policy.

I'm in the insurance arena for aircraft and yachts and we have one yacht carrier that does the same thing as Geico does for cars and I call tell you our yacht carrier has paid out numerous claims that would normally be excluded.

I would have to look back at my old records but I recall Geico only charged something like $50-$75 a year for this. If memory serves me correctly it only covered the car up until it had 100K miles so it's not a long term coverage.

 

[PacCoastFwy923]

...I recall Geico only charged something like $50-$75 a year for this. If memory serves me correctly it only covered the car up until it had 100K miles so it's not a long term coverage.

I saw quotes as low as $30, as well as the 100k mi cutoff. Doesn't VW cover the DPF up to 80k, and recommend replacement at 120k? That give Geico only a 20k coverage window, but also a possible exception as a wear item?

 

[S2000_guy]

VW does not recommend the replacement of the DPF at 120k miles.

 

[JBell]

Geico offers an inexpensive insurance add-on - a "mechanical breakdown" clause, which covers everything except for 'normal wear' items such as brakes, filters, etc. Has anyone ever had their DPF fixed under this clause? The deductible is $250. They 'say' that it would be covered, but it's an insurance company, right?
Anyone ever used this piece of Geico extra insurance successfully?

The MBI will cover anything other than wear and tear items. As far as I know, a failed DPF and EGR would be covered, minus the $250 deductible.

 

[tvmaster]

The MBI will cover anything other than wear and tear items. As far as I know, a failed DPF and EGR would be covered, minus the $250 deductible.

I sent the VW dealership estimate to them (Geico) today, and their rep claimed the DPF/EGR would be a covered repair, as long as the estimate was within the last thirty days
And, the dealership said I could use the VW courtesy card to pay the $250 deductible with.
Best insurance add-on ever, for $26 every six months. And yes, it's for new cars under 18 months old, and can only be covered for seven years.