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Throttle Junkey
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Discussion Starter #1
Is paying the $1444 to extend the new bike warranty to seven years worth it? Obviously, I can see that if my repairs exceed the price then it would be worth it. I am wondering if it was or wasn't worth it to you and why. Thanks!
 

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I haven't seen your bird.
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8,499 Posts
There have been other threads about this topic. You might want to try searching. My own take on it is that the only reason the MOCO offers extended warranties is that, in the end, the MOCO makes money on them. I opted not to extend my warranty for that reason. So far I'm happy. No problems with my bike. Just routine maintenance.
 

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Soar like an Eagle
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2,570 Posts
Nope I never buy extended warranties. I can afford to self insure for stuff like that but more likely than not the item will be someone else's by then so it will not be my problem.
 

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Live Now - Go For It
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89 Posts
If your at the Casino, playing Blackjack and the dealer turns up a Ace for his card - do you pay for Insurance?
 

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Premium Member
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685 Posts
I'm not blindly against extended warranties. Bought one for my Mercedes ML and I've recouped the cost several times over. Didn't buy one for my wife's Infiniti, better reputation and longer factory warranty. I don't buy 'em for appliances, TVs, etc.

But I have to admit I seriously gave it some thought for my Fatboy. My biggest concern with the new bike factory warranty and extended warranty is that modifications will affect warranty coverage. I don't have a problem with the concept per se, you mess with a bike and something happens in that area then HD shouldn't be responsible. But, one key reason I bought a Harley is that I so many options for modifying the bike. I don't want to ride a stock bike...I don't want it to look like other Fatboys, I don't want it ride like stock and I certainly want more power than stock. I bought my '05 Fatboy in Feb. and I'm surprised at how much I've modified it already. Obviously, what I'm trying to say is that I didn't want my mods to be constrained to trying to maintain warranty coverage. I knew right off that I want to modify the bike so I understood I would negate most of the warranty coverage. Now on the other hand I have come across 1 insurance company that reportedly offers coverage even for modified bikes. I'll be looking into that in the future.
 

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05fatty said:
But I have to admit I seriously gave it some thought for my Fatboy. My biggest concern with the new bike factory warranty and extended warranty is that modifications will affect warranty coverage. I don't have a problem with the concept per se, you mess with a bike and something happens in that area then HD shouldn't be responsible. But, one key reason I bought a Harley is that I so many options for modifying the bike. I don't want to ride a stock bike...I don't want it to look like other Fatboys, I don't want it ride like stock and I certainly want more power than stock. I bought my '05 Fatboy in Feb. and I'm surprised at how much I've modified it already. Obviously, what I'm trying to say is that I didn't want my mods to be constrained to trying to maintain warranty coverage. I knew right off that I want to modify the bike so I understood I would negate most of the warranty coverage. Now on the other hand I have come across 1 insurance company that reportedly offers coverage even for modified bikes. I'll be looking into that in the future.
i know these warrenty things run differently from dealer to dealer... my dealer says that as long as they do the work, the bike is under warrenty.
 

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Total Nutcase
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2,691 Posts
We bought an extended warranty for our Chevy Blazer and it's paid for itself to the tune of about $6000 in repairs. On a used car, I think they can be a good idea if you don't trust the car and the warranty company is reputable. I don't think I'd buy one for a bike though. They seem very expensive considering bike repairs are usually cheaper than auto repairs. Plus, I can pretty much fix anything on a bike. Might feel different though if I couldn't turn a wrench.
 

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Longtime Asphalt Cowboy
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3,291 Posts
Have never really bought extended warrantys until I bought my '02 Ultra. Was advised by several friends to look at the extended warranty because of all the bells and whistles on the bagger and that I was buying it to do a lot of long extended trips. Especially, all the electrical components everybody thought it would be $$$ well spent. I went ahead and got the warranty for $800.00. I DO believe the price of the warranty is very negotiable.

Anyway, have had the cruise worked on or replaced twice: $650.00. Regulator/stator replaced in Oregon on my "Shot Glass Tour from Hell" ride: $675.00. Right side handle bar controls replaced: $150.00. The front wheel and tire replaced: $450.00. TSSM modual replaced twice: $450.00. $2375.00

Would I buy the extended warranty again on a new bagger, YEP!! As much as I ride my bikes I like the security of knowing I can't get caught out in Albany, Oregon again and have to shell out $700.00 of my party $$$$...only the $50.00 deductable. But like I said, I think the price is very negotiable and it's a personal thing.

o~\o
 

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My own personal opinion is that by buying a warranty, you are essentially betting that something major will go wrong. Harley isn't selling you the warranty to benefit you, They Make $$$$ on these things, otherwise they wouldn't sell them. They are in the business of making money...not giving it away. While I am not familiar with the warranty, you might want to check the fine print should you decide to buy. They might have clauses that state the bike must be maintained per factory recommendations, which could easily exceed the cost of the warranty quickly, depending on your riding habits.
 

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Longtime Asphalt Cowboy
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3,291 Posts
DrumScum said:
....... They might have clauses that state the bike must be maintained per factory recommendations, which could easily exceed the cost of the warranty quickly, depending on your riding habits.
Just FYI, my bike has NEVER seen the inside of a Dealership, other than the warranty issues, since brand new. I do all my own maintenance.

o~\o
 

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Tx Road Hog
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78 Posts
I agree with Texan, I think if I was buying the fully loaded bagger I might consider it.
However, I didn't get the extended warranty with my '03 RK Classic and haven't needed it.
You should also base your decision on how many miles you plan to ride and how long you plan to keep the bike. If want to trade in a couple of years, the warranty may be a good selling feature.
 

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$1444 for 7 years is $200/year. That's not too bad. Of course it won't start to pay off until the later years. If you keep the bike the entire time, then it beneifts you; if you sell it, it will benefit someone else.

After 11,000 miles and 2 years I've spent $300 (plus towing) on things (battery and jack shaft seals) that would have been covered by an extended warranty. If I had it to do again, I think I'd get the 7-year warranty. Texan's experience is food for thought if you plan to travel around the country. I'd hate to be half way across the country and have to fund a major repair.
 

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The price for the warranty is very negotiable. I got mine for $926. Cheap insurance. The 98 that I owned, paid for itself more than once. You should decide how many miles--and how many years you are going to keep the bike. If you ride a couple thousand miles a year you probably won't really need it. I am planning on well over 100k on this bike before the warranty runs out. Works for me----


"there being no charges filed---I stand mute"
 

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EASY DOES IT
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If you intend to do any...I repeat ANY engine "enhancements" including factory offered options be very careful about the purchase of an extended warranty there is a likelyhood that ANY drivetrain changes will VOID this insurance policy.
 

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Premium Member
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WideOne said:
The warranty and a good lawyer to uphold it, will give you peace of mind! :whistle:
If you have to go as far as retaining a "good lawyer" I wouldn't even consider going with the warranty. I have NEVER met a cheap good attorney - that's a classic oxymoron. A personally retained attorney fighting a gaggle of corporate attorneys??? a sure fire way of throwing money into a black hole. You'd probably be better off just buying a new bike each time you had a problem and had to fight for warranty coverage.
 

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We're still here ya know
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689 Posts
Extended warranties are like playing in Vegas. The house is going to win. The majority of folks that go with an extended warranty don't get their money's worth. And remember it's not just the cost itself, you're giving the manufactuer the use of your money and he aint paying interest.

There are exceptions to the rule... I purchased an Ipod back in early 2003 and I'm on my third unit. I figured it was a delicate electronic device, I travel a lot and it would get banged around a lot. So far I'm very happy with my decision to purchase an replacement / extended warranty...
 

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i have life insurance to protect my family in the event i die. i'm betting the insurance company i'm going to die young and they are hoping i live a long healthy life. they are in it to make money just like everyone else.

harley sells bikes to make money too. you bought one anyway.

the 7 year service contract expires on my 99 fatboy in november of this year. it has paid for itself...and...i never hesitated to bring the bike in when something showed up...unless it was something small. then i waited for several items and had them repaired at once under one deductible. this included things most guys would just live with but wouldnt want to. i didnt have to because it was covered. in one instance a deductible was waived because it was something mentioned previously during a repair visit but was intermittant and could not be diagnosed/repaired.

i have modified my bike with aftermarket exhaust and some other components but never had any repair questioned including some engine some mechanical.

i am a service manager in a new car dealer. i see horror stories everyday because i see all the sick ones. yeah...there aree plenty of cars and bikes that never experience a problem. there are also many that do. when a customer with a service contract has a problem they usually come in and leave with a smile on their face. piece of mind. when a customer doesnt have a contract it is usually a fight from the start to the end...cause they dont think they should have to pay. piece of mind?

make your own decision. yeah...its a profit center for the dealer and the insurance provider. thats the sceptics view. its also protection for you.

you make a choice. there is no right or wrong. there is only accepting the choice you made and understanding why you made it along with the benefits or drawbacks that go along with it.
 

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07', 04', 03', & 02
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FXD-Tim said:
$1444 for 7 years is $200/year. That's not too bad. Of course it won't start to pay off until the later years. If you keep the bike the entire time, then it beneifts you; if you sell it, it will benefit someone else.

After 11,000 miles and 2 years I've spent $300 (plus towing) on things (battery and jack shaft seals) that would have been covered by an extended warranty. If I had it to do again, I think I'd get the 7-year warranty. Texan's experience is food for thought if you plan to travel around the country. I'd hate to be half way across the country and have to fund a major repair.
You get 2 years free from the MoCo; so it is $1444 for the last 5 years.
 

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Free agent
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795 Posts
Me thinks the following!!

I know for a fact that an extended warranty is a wonderful item that DOES give you apiece of mind. There is nothing nicer to know that an item is covered under warranty that may have cost you 5-800 out of pocket. But the warranty is only as good as its provider (insurance company) and the dealer performing the service. I have heard horror stories of how the dealer will go out of his way to blame the failed part on a part that you installed 6-7 months ago. You know..the the story. "Gee Mr. Jones...we know your front caliper just fell apart when you were going 70 miles an hour...but let me ask you...Who installed those chrome hot toppers and chrome inserts on your calipers. We don't show record of our dealership installing those...so...Mr. Jones...if you'll sit down Sir...we are not going to cover your claim! Next time Mr. Jones...make sure that we install those troublesome parts so that you can rest assured that it is installed correctly!" If you think I am over dramatizing...think again! These guys are vindictive lil' boogars if you don't bring everything to them. Now..I'm sure not all dealerships are created equal..but the two local dealerships that I have the pleasure of dealing with just love to critisize every aftermarket part and bitch incessantly about installing them therefore charging you up to 4 times the book rate to install them. I don't need them to install my slip-on pipes or my air cleaner or change my oil or install my plugs or anything else that a person can install or maintain on their own with a little knowledge.
The bottom line..a warranty is great if you have a dealer that will back it. You need to ask them what their individual policy is on obtaining warranty coverage on your bike if they don't service the bike or install all your aftermarket accessories. If they are not cooperative..they can make your life miserable. The dealership service manager that posted I'm sure..can verify what I am saying.
Also many dealer technicians complain about warranties because they don't pay enough time. If it's customer pay..they go by the book and maybe add a little just for fun..(with an excuse). Many warranty companies publish their own book rates on just how much they will pay to fix or replace a part. Many times the warranty company will not pay the hours that a dealership feels is needed to be profitable and keep the techs in the back happy..so they give you (the customer) a hard time about coverage.
However...after the 2 year warranty has expired, you make take the bike to a non-Harley dealership to have work done. The warranty company is not owned by Harley so they will allow other dealers (non-Harley) to fix your bike under warranty. Usually these dealers will not give you a hard time cuz' it's all money to them. They do not have the overhead to cover or the prima donnas working for them that love to say "Not NO..BUT HELL NO!!"
So there....Buy a warranty and then get it serviced by a non-harley dealership and you are safe!!! There are plenty of good shops out there that will service your bike with a smile without trying to make a homerun with your checkbook.

There...I'm off my soapbox:badmood:
 
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