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Discussion Starter #1
So my dealer has come out with an extended warranty program, it extends the comprehensive from 2 yr/2000 hr to 4 yr and the power train from 6 yr/2000 hr to 10 years. The only catch is that the dealer MUST perform the scheduled maintenance i.e., 200 hr, 400 hr, 600 hr, 800 hr and so on, or annually if your hours are less than 200 per year. This is at an expense to the owner of around $400 for the simple lube, oil and filter changes, obviously more for the service intervals that require something more as you get higher up in hours. You have jump on by February 28th 2019 and I think it covers any tractor purchased after January 1st of 2018 but not sure about that, other than I know my 2025R would be covered.

So here are my thoughts for now.

Maybe do it for now, the 4 year comprehensive sounds pretty alluring because it covers everything that was originally purchased with the tractor. In my case that would the FEL and 60D mower deck, you can jump off at anytime by simply not having them perform a scheduled maintenance.

I have no problem and actually enjoy working on my tractor myself but I keep thinking back to the FEL leak down that my 1023 had, replacing cylinder seals and SCV are a little beyond what I am capable of, or doing in my garage. My only hang up is I sometimes have trust issues, when I do a service I know for a fact that everything has been done, and done right. I have no reason to not trust my dealer, they have been more than good to me, but I'm looking for a little feedback from others as to how they would view this program.

Thanks in advance
 

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If I understand this is through your dealer. I have gotten a couple notices from John Deere to extend mine by 1,2,3 or 4 years. The price has come down a little bit each time they have sent it and there is not much difference in price between one more year and two. I think I am going to take advantage of it for two years but I need to look at the fine print because I do not believe I need to take it to the dealer for any maintenance.:dunno:

I am thinking the two years was around $800 which is not bad for full coverage. Honestly I do not expect any problems and it has been absolutely trouble free but if I am right the price they are asking isn’t much when it comes to parts or labor if I had to spend it.
 

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Discussion Starter #4
Maybe I missed it but how much is the extended warranty itself?
There is not cost other than scheduled maintenance, that's why it almost seems too east of a decision.
If I understand this is through your dealer. I have gotten a couple notices from John Deere to extend mine by 1,2,3 or 4 years. The price has come down a little bit each time they have sent it and there is not much difference in price between one more year and two. I think I am going to take advantage of it for two years but I need to look at the fine print because I do not believe I need to take it to the dealer for any maintenance.:dunno:

I am thinking the two years was around $800 which is not bad for full coverage. Honestly I do not expect any problems and it has been absolutely trouble free but if I am right the price they are asking isn’t much when it comes to parts or labor if I had to spend it.
Yes, this is something that my dealer is doing, a % of all scheduled maintenance done in this program goes into a slush fund to pay for warranty issues that may/will arise. Price wise it is the same as you and I talked about, $800 for two years vs. the cost of an annual service $400. I'm seriously considering the 4 year comprehensive at a minimum.
 

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I have two schools of thoughts on extended warranties.

One is if you would take that money - let’s say the $800 herminator suggests - plus add the cost of the dealership doing the service - $400. So that’s $1600 for 2 years. If you took that $1600 and put it away you may come out ahead using that money for repairs. That is without a catastrophic event.

With that said however - I have never bought an extended warranty for anything in all my life - up until this past spring when I bought a 3 year old F150 Lariat. It is loaded with electronics and fancy stuff. I was still in the window to purchase an extended warranty through Ford for $1050. That is for another 5 years and up to 60k miles which I calculated out to be the mileage I will have at 8 years old when I will replace it.

$1050 spread over 5 years is $210 per year. I kept records from my last F150 and spent $2350 in out of warranty repairs in the 6 years it was out of the regular warranty. That comes to $392 a year. And that was without anything major happening - just nickel and dime stuff. So that’s how I justified the expense of the extended warranty.

Now with my tractor which is now about 12 years old I have yet to have a repair. An extended warranty on that would have been a total waste of money.

The consensus is that extended warranties are big money makers for the dealerships. I agree with that unless you are getting a very good price on it.

For Pat who I know likes doing his own work I really don’t see the point. Take that money and put it aside and use that for any repairs. I have a lot of trust in our Deere equipment but mine was built 12 years ago - maybe things have changed and they aren’t as good as they used to be?
 

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There is not cost other than scheduled maintenance, that's why it almost seems too east of a decision.


Yes, this is something that my dealer is doing, a % of all scheduled maintenance done in this program goes into a slush fund to pay for warranty issues that may/will arise. Price wise it is the same as you and I talked about, $800 for two years vs. the cost of an annual service $400. I'm seriously considering the 4 year comprehensive at a minimum.
Well you are basically paying for an extended warranty at $400 per year minus the cost of the service. Just more trickery in my opinion as far as the way they are marketing it.
 

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Im with Coaltrain on this one.
Im a "do my own maintenance" kind of guy. If I could perform the required maintenance, even having to buy the stuff from my dealer to do it, and still be covered, Id likely look a bit harder at it. As it is, I dont want them doing the maintenance, especially at their prices. My local dealer doesnt even stock the oil I want, Deeers 0w40 Plus 50. They say they have to buy a lot to get a little, and dont think it will sell well, so they dont do it. Ill still buy it, as Im down by Reynolds quite often, and they stock it.
Anyway, I guess Ill take the chance on the warranty I have now with no extensions.
 

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I’m confused....but I think it’s just me ;-)

Do you pay the $800, plus the ~$400 for each service....or is it ~$400 per service and as long as all servicing is done with them, you are enrolled in the program?

How much do you estimate each servicing will cost? If it’s in the $200 ball park and you don’t have to pay the $800, I’d say do it.
If you have to pay the $800 plus approx. $200 for their labour, I’d pass.

p.s. Doesn’t a movie star get a discount :lol:
 

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Discussion Starter #9
I’m confused....but I think it’s just me ;-)

Do you pay the $800, plus the ~$400 for each service....or is it ~$400 per service and as long as all servicing is done with them, you are enrolled in the program?

How much do you estimate each servicing will cost? If it’s in the $200 ball park and you don’t have to pay the $800, I’d say do it.
If you have to pay the $800 plus approx. $200 for their labour, I’d pass.

p.s. Doesn’t a movie star get a discount :lol:
No discount for me, the only cost of the warranty is the dealer performing the scheduled maintenance, about $400 annually. That is my biggest hang up, not only do I prefer to do my own maintenance but I actually enjoy doing it.
 

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No discount for me, the only cost of the warranty is the dealer performing the scheduled maintenance, about $400 annually. That is my biggest hang up, not only do I prefer to do my own maintenance but I actually enjoy doing it.
Just some further thought in this....again about my Ford dealership as comparison as I have no Deere dealer experience...

For the past few years I’ve been getting my truck serviced at the dealership. Can’t beat the price of $39 plus $3 for the extra quart of oil. This includes tire rotation, battery load test, and a bunch of other checks.

This is great - but....my new truck has a special oil change procedure. Long story short the oil has to drain for at least 15 minutes after running - 30 minutes is better. The first day I had the truck home the oil level was way above the high mark on the dipstick. Once I drained enough out I found it to be 1.5 quarts over. I honestly believe an oil overfill is just as bad as an underfill.

My point - I am going to do it myself from now on. The dealership - which has always been great to me - just won’t take the time to so the oil change properly. I understand this - they have to get them in and out as quickly as possible.

I am OCD about stuff like this. What good is the great price on the service if I have to crawl under the truck afterwards anyway to drain off some oil. Unfortunately oil extractors will not work in these engines from the top.

I understand your wanting the extended warranty. I just find this kind of a weird way to go about it. The extended warranty on my truck does not require me to have them service the truck.

Another question - who pays for the transportation of the tractor to the dealership for these services?
 

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I am with others, extended warranties are money makers for the warranty providers.

That said, concerning the dealers requirement that you use thier services and parts to keep the warranty valid...... WELL, it is actually illegal for a warranty provider, manufacturer, dealer or otherwise, to require that you use their services or parts to keep the warranty valid. The Magnuson - Moss Warranty Act was passed by Congress in 1975 which makes this dealers requirement illegal.

So, I can't comment on the dealers extended warranty plan, but I can say unequivocally, if the dealer is requiring you to use their services or parts to keep the warranty valid, then their plan is illegal.


Here is a question that is answered on the FTC website concerning consumer warranties.
What is a warranty?

A warranty is a promise, often made by a manufacturer, to stand behind its product or to fix certain defects or malfunctions over a period of time. The warranty pays for any covered repairs or part replacements during the warranty period.
Do I have to use the dealer for repairs and maintenance to keep my warranty in effect?

No. An independent mechanic, a retail chain shop, or even you yourself can do routine maintenance and repairs on your vehicle. In fact, the Magnuson-Moss Warranty Act, which is enforced by the FTC, makes it illegal for manufacturers or dealers to claim that your warranty is void or to deny coverage under your warranty simply because someone other than the dealer did the work. The manufacturer or dealer can, however, require consumers to use select repair facilities if the repair services are provided to consumers free of charge under the warranty.That said, there may be certain situations where a repair may not be covered. For example, if you or your mechanic replaced a belt improperly and your engine is damaged as a result, your manufacturer or dealer may deny responsibility for fixing the engine under the warranty. However, according to the FTC, the manufacturer or dealer must be able to demonstrate that it was the improper belt replacement — rather than some other defect — that caused the damage to your engine. The warranty would still be in effect for other parts of your car.




 

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Discussion Starter #12 (Edited)
I am with others, extended warranties are money makers for the warranty providers.

That said, concerning the dealers requirement that you use thier services and parts to keep the warranty valid...... WELL, it is actually illegal for a warranty provider, manufacturer, dealer or otherwise, to require that you use their services or parts to keep the warranty valid. The Magnuson - Moss Warranty Act was passed by Congress in 1975 which makes this dealers requirement illegal.

So, I can't comment on the dealers extended warranty plan, but I can say unequivocally, if the dealer is requiring you to use their services or parts to keep the warranty valid, then their plan is illegal.
Thanks for the info Ray, I may even question them on this, or at least pass this along.
Re reading the warranty info sent in an email I wonder if their way around that is in the wording. It is strictly voluntary, no paperwork will ever be signed regarding the warranty. If someone came in for a warranty repair and their records don't show any scheduled maintenance then you simply don't qualify for the warranty work.
 

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Thanks for the info Ray, I may even question them on this, or at least pass this along.
Again, I'm not sure what the "fine print" is in their extended warranty policy. If they are saying you must use their service and parts to keep the warranty valid, the warranty that they are providing is actually illegal base on the Federal Trade Commission.

This exact issue has been a problem with manufacturers warranties years ago. They used the warranty language to manipulate the use of their service and parts. Now, a warranty can require you to use a designated service and/or parts if the service and/or parts are provided at no cost to you.

Generally, dealers do not offer extended warranty programs out of their own pocket, but they could be????

Also, most extended warranties are provided by 3rd party warranty companies and have very carefully worded language in them. Mostly, they only cover failure of major components and not peripheral components.

I bought an extended warranty one time on my 2003 Ford F150. The 4 wheel drive engagement motor had gone bad. Guess what, the extended warranty only warrantied internal components in the transfer case. I never had one problem with this truck that was covered by the extended warranty, so that is the last extended warranty that I ever bought.

So, the question is, how often do major components go bad, not very often. It is mostly the peripheral components that go bad.
 

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No discount for me, the only cost of the warranty is the dealer performing the scheduled maintenance, about $400 annually. That is my biggest hang up, not only do I prefer to do my own maintenance but I actually enjoy doing it.
My guess is that they in theory are not providing a ‘warranty’ in the truest/legalese sense. You can’t go the counter and buy it.
You aren’t paying for anything extra that anyone else would pay for the servicing of the tractor...provided they aren’t jacking the price of the annual service to provide the ‘warranty’...which it sounds like they are not.

The ‘price’ of the warranty is what you pay them for the labour of the maintenance. Everyone who gets service at their business pays the same price for labour.
I’m assuming they don’t upcharge for parts...what you pay at the parts counter is what you’d pay if they pour the oil in themselves.
The only ‘extra’ charge on parts likely is the shop supplies...which you’d have at home anyways for rags, oil disposal fees etc.

I hear you Pat on the enjoyment factor-I find the maintenance work enjoyable and relaxing.
The ‘free’ warranty is appealing but you need to decide if the $200 in labour charges, can trust them to do the job well, and the loss of enjoyment is worth it.
I think it is....you just need to find other things in the shop to fix ;-)

I hate using ‘ ‘ but in this case, it is semantics of language used.
 

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Thanks for the info Ray, I may even question them on this, or at least pass this along.
Re reading the warranty info sent in an email I wonder if their way around that is in the wording. It is strictly voluntary, no paperwork will ever be signed regarding the warranty. If someone came in for a warranty repair and their records don't show any scheduled maintenance then you simply don't qualify for the warranty work.
Time to run away.

Let’s say you agree to this and send your tractor in there for the $400 service. 6 months later you have an issue and send it in to them to have repaired under your “word of mouth” warranty. They come back to you and say they have no idea what you are talking about. You don’t have a contract to prove anything.

Run away.
 

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Thanks for the info Ray, I may even question them on this, or at least pass this along.
Re reading the warranty info sent in an email I wonder if their way around that is in the wording. It is strictly voluntary, no paperwork will ever be signed regarding the warranty. If someone came in for a warranty repair and their records don't show any scheduled maintenance then you simply don't qualify for the warranty work.

I suspect they are trying to skirt the consumer protection law here and didn't bother running it through an actual lawyer. The Magnuson-Moss Warranty Act only applies to written warranties. But it doesn't sound like what they are actually offering a "warranty". They are offering a service contract which isn't covered under the Magnuson-Moss Warranty Act at all.
 

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John Deere powergard protection plan.

I was going to post a thread on this very thing when I ran across this one. They sent me an E-Mail about the plan, which I copied and pasted below. I didn't see anything about dealer servicing or transportation costs, and the dealer will send a technician to your house if they feel they can fix it there. I signed up for an insurance plan when I bought my tractor in October 2018, which covers breakage and repairs for the first 2 and 6 years depending on the damage.
The plan is third party as was said.
Here is the E-Mail.

You can buy more peace of mind.
It's called the PowerGard™ Protection Plan Residential.
You made a great decision when you purchased your Compact Utility Tractor with one of the best warranties in the business. Act today to continue your protection with PowerGard™ Protection Plan Residential from John Deere. Take advantage now to receive the lowest price.


Worry-free & affordable
Superior service & parts
Transferable


If you prefer, you can call us at 800-306-6936 to speak to an agent. Mention invitation code 142725502000093.

Make your purchase even easier with FlexPay.
Learn more about our interest-free payment plan.

Plan Term 4 Years 3 Years 2 Years 1 Year
Plan Price $1348.00 $1027.00 $699.00 $622.00
Tax $0.00 $0.00 $0.00 $0.00
Total $1348.00 $1027.00 $699.00 $622.00
4 FlexPay payments of $338.00 $257.75 $175.75 $156.50




Purchase by 02/21/2019 to ensure you're covered.

Certain limitations and exclusions may apply. For complete terms and conditions please refer to John Deere PowerGard Protection Plan Residential - Plan Benefits.

PowerGard™ Protection Plan Residential coverage is issued by National Product Care Company, 175 West Jackson Blvd, Chicago, IL 60604; in AZ, FL & OK by Service Saver, Inc. 175 West Jackson Blvd, Chicago, IL 60604, FL license #80173; in TX by National Product Care Company dba Texas National Product Care Company, Inc. 175 West Jackson Blvd, Chicago, IL 60604; and in WA by ServicePlan, Inc. 175 West Jackson Blvd, Chicago, IL 60604. Coverage provided under form number JD-ALL-MRP (04-15).

JDEMAM01



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Here are the terms and conditions.


Terms & Conditions

Protection you deserve and the value you expect.
John Deere Mechanical Repair Plan
You may download a PDF copy of the current Terms & Conditions here.

This form describes the protection You will have in return for payment by You.
DEFINITIONS FOR PowerGard™ Protection Plan Residential:
"Obligor", "We", "Us" and "Our" mean the company obligated under this Agreement, National Product Care Company, 175 West Jackson Blvd, Chicago, Illinois, 60604, except in Arizona, Florida and Oklahoma, where it is Service Saver, Incorporated, 175 West Jackson Blvd, Chicago, Illinois, 60604; in Florida, the license number is 80173, in Oklahoma, the license number is 861336; or in Texas, where it is National Product Care Company dba Texas National Product Care Company, Inc., 175 West Jackson Blvd, Chicago, Illinois, 60604, or in Washington where it is ServicePlan, Inc., 175 W. Jackson, 11th Floor, Chicago, IL. 60604, (800) 209-6206
"You" and "Your" mean the purchaser of the Covered Product(s) and any authorized transferee/assignee of the purchaser.
"Servicing Dealer " means the entity selling the Covered Product or selling the PowerGard™ Protection Plan Residential or responsible for completing Your authorized repairs.
"Administrator" means John Deere Agriculture and Turf Division, One John Deere Place, Moline, Illinois 61265, (800) 537-8233.
"Covered Product" means the consumer item(s) which is covered by this Agreement.
"Customer Service" means the entity responsible for answering Your questions about the PowerGard™ Protection Plan Residential; TWG Innovative Solutions, Inc. (TWGIS), P.O. Box 87639, Chicago, IL, 60680-0639, (800) 377-3931, Home - thewg.com.
"Maximum Hours" means the number of hours of product usage before coverage expires that is printed on the face page.
"Agreement" means the terms, conditions, limitations and exclusions of the PowerGard™ Protection Plan Residential, including the face page.
POWERGARD™ PROTECTION PLAN RESIDENTIAL:
Term:
"PowerGard™ Protection Plan Residential The term and coverage under this Agreement begin on the date of Agreement purchase. If You Purchase a new "PowerGard™ Protection Plan Residential or a renewal plan, the term of Your Agreement, the period of liability, begins upon the expiration of Your current AgreementThe agreement will end on the first of the following to occur (1) the expiration date shown on the Face page of this Agreement or (2) the term based on the payment received or (3) the Agreement cancellation date or (4) the date the Limit of Liability is met or (5) the Maximum Hours have been reached on the Covered Product.
In the event Your Covered Product is being serviced by the Servicing Dealer when this Agreement expires, the term of the Agreement will be extended until the covered repair has been completed.

Coverage:
Through the Administrator, We will pay the cost of transportation, labor and repair or replacement parts in the event Your Covered Product fails to operate as a result of a mechanical or electrical failure caused by defects in workmanship and/or materials including failures experienced during normal wear and tear that occur during the term of this Agreement. Parts will be replaced with genuine John Deere parts, and may be new or remanufactured. If the Covered Product cannot be repaired, if the cost of the repair exceeds the original purchase price of the Covered Product, or if parts are not available due to the age of the Covered Product or because they have been discontinued by the manufacturer, the Covered Product will be replaced with a Product with equal or similar features and functionality.
Limit of Liability:
The limit of liability under this Agreement is the least of the cost of (1) the purchase price of the Covered Product excluding tax and delivery costs or (2) authorized repairs not to exceed the purchase price of the Covered Product or (3) replacement of the Covered Product with a Product with similar or enhanced features and functionality or (4) reimbursement for authorized repairs or replacement. If the Covered Product cannot be repaired, or if parts are no longer available due to the age of the Covered Product or because they have been discontinued by the manufacturer, a Product with equal or similar features andfunctionality will be provided to You. Upon replacement, there is no longer any obligation for the replaced Product under this Agreement.
No Lemon Policy:
During the term of this Agreement, after three (3) covered service repairs have been completed on the same component of an individual Covered Product and that Covered Product component requires a fourth repair, as determined by Us, We will replace it with a product with equal or similar features and functionality. Upon replacement, there is no longer any obligation for the replaced product under this Agreement.
What to do when Your Covered Product fails to Operate:
To obtain service on the Covered Product, contact Your local Servicing Dealer or call the Administrator’s 24-hour toll-free number at (800) 537-8233.
You must authorize the Servicing Dealer to perform necessary diagnostic work and provide "teardown authorization" so that the Servicing Dealer can provide an accurate diagnosis and estimate of repairs. IMPORTANT: MECHANICAL REPAIR COVERAGE DOES NOT PAY FOR DIAGNOSIS CHARGES FOR REPAIRS NOT COVERED UNDER THIS AGREEMENT.

You must consent to all repairs made under this Agreement. You must also provide "teardown authorization" so that the Servicing Dealer can perform necessary diagnostic work and provide an accurate diagnosis and estimate of repairs. Either You or the Servicing Dealer may be asked to provide proof of such consent at time of claim. Please Note: We will not pay for any mechanical repairs or diagnostic work on any failure not covered under this Agreement. You will be responsible for any charges related to failures not covered by this Agreement, or repair work that is unrelated to the covered failure.

All repairs must be authorized by the Administrator prior to performance of work. Claims must be submitted by Servicing Dealer within thirty (30) days of repair. Claims on unauthorized repairs may be denied. Many oversights, which are not covered under this Agreement, can be due to simple circumstances such as the Covered Product not being switched on.

If You should have any questions about the "PowerGard™ Protection Plan Residential, please contact Customer Service at (800) 377- 3931.

Service Deliverables:

There is no deductible required to obtain service for Your Covered Product. You will receive service on Your Covered Product using the same type of service deliverable provided during the manufacturer's warranty as described below:

At Home: Service will be performed at Your home. The Servicing Dealer may opt to remove the Covered Product to perform service in-shop and will return the Covered Product upon completion. Additional time and mileage charges for at home repairs outside of the normal service area of the Servicing Dealer are not covered by this Agreement.
WHAT IS NOT COVERED:
PRODUCTS NOT ORIGINALLY COVERED BY A MANUFACTURER’S WARRANTY;
ITEMS THAT ARE STILL COVERED BY THE MANUFACTURER’S WARRANTY, REGARDLESS OF WHETHER THE MANUFACTURER HONORS SUCH WARRANTY;
PERIODIC CHECKUPS AND/OR PREVENTATIVE MAINTENANCE AS DIRECTED BY THE MANUFACTURER;
INHERENT PRODUCT DEFECTS THAT ARE THE RESPONSIBILITY OF THE MANUFACTURER OR PARTS FAILURE DUE TO A MANUFACTURER’S RECALL;
ANY AND ALL PRE-EXISTING CONDITIONS THAT OCCUR PRIOR TO THE EFFECTIVE DATE OF THIS AGREEMENT;
ANY COSTS TO REPAIR ANY PRODUCT SOLD "AS-IS" INCLUDING BUT NOT LIMITED TO FLOOR MODELS, DEMONSTRATION MODELS, ETC;
PARTS OR REPAIRS DUE TO NORMAL WEAR AND TEAR AND ITEMS NORMALLY DESIGNED TO BE PERIODICALLY REPLACED BY THE PURCHASER DURING THE COVERED PRODUCT’S LIFE, INCLUDING BUT NOT LIMITED TO BATTERIES, BEARINGS, LIGHT BULBS, FILTERS, FLUIDS, BLADES, BELTS, HOSES, SPARK PLUGS, SEATS, CV BOOTS, ETC.;
DAMAGE FROM ACCIDENT, ABUSE, MISUSE, MISHANDLING, INTRODUCTION OF FOREIGN OBJECTS INTO THE COVERED PRODUCT, UNAUTHORIZED MODIFICATIONS OR ALTERATIONS TO A COVERED PRODUCT, FAILURE TO FOLLOW THE MANUFACTURER’S INSTRUCTIONS;
EXTERNAL CAUSES INCLUDING THIRD PARTY ACTIONS, FIRE, THEFT, INSECTS, ANIMALS, EXPOSURE TO WEATHER CONDITIONS, LIGHTNING, POWER SURGE, WINDSTORM, SAND, DIRT, HAIL, EARTHQUAKE, FLOOD, WATER, ACTS OF GOD OR CONSEQUENTIAL LOSS OF ANY NATURE;
LOSS OR DAMAGE CAUSED BY WAR, INVASION OR ACT OF FOREIGN ENEMY, HOSTILITIES, CIVIL WAR, REBELLION, RIOT, STRIKE, LABOR DISTURBANCE, LOCKOUT, OR CIVIL COMMOTION;
INCIDENTAL, CONSEQUENTIAL OR SECONDARY DAMAGES OR DELAY IN RENDERING SERVICE UNDER THIS AGREEMENT, OR LOSS OF USE DURING THE PERIOD THAT THE COVERED PRODUCT IS AT THE SERVICING DEALER FOR REPAIR SERVICE OR OTHERWISE AWAITING PARTS;
ANY PRODUCT CURRENTLY OR PREVIOUSLY USED IN A COMMERCIAL SETTING OR RENTAL BASIS;
FAILURES THAT OCCUR OUTSIDE OF THE 50 STATES OF THE UNITED STATES OF AMERICA AND THE DISTRICT OF COLUMBIA;
NONFUNCTIONAL OR AESTHETIC PARTS INCLUDING BUT NOT LIMITED TO PLASTIC PARTS, KNOBS, ROLLERS, BASKETS, SCRATCHES, PEELING AND DENTS;
UNAUTHORIZED REPAIRS AND/OR PARTS;
COST OF INSTALLATION, SET-UP, DIAGNOSTIC CHARGES, REMOVAL OR REINSTALLATION OF THE COVERED PRODUCT, EXCEPT AS PROVIDED HEREIN;
ACCESSORIES, ATTACHMENTS OR IMPLEMENTS USED IN CONJUNCTION WITH A COVERED PRODUCT;
ANY LOSS OTHER THAN A COVERED BREAKDOWN OF THE COVERED PRODUCT;
SERVICE WHERE NO PROBLEM CAN BE FOUND;
BREAKDOWNS WHICH ARE NOT REPORTED WITHIN THE TERM OF THIS AGREEMENT.
BATTERY LEAKAGE;
FAILURE AS A RESULT FROM RUST OR CORROSION ON ANY COVERED PRODUCT OR PART;
FEES OR CHARGES RELATED TO DISPOSAL OF ENVIRONMENTALLY UNSAFE MATERIALS, INCLUDING BUT NOT LIMITED TO, REFRIGERANT RECOVERY AND / OR REPLACEMENT, DISPOSAL OF CONTAMINATED REFRIGERANTS AND / OR OILS, AND RELATED MATERIALS AND ENVIRONMENTAL FEES;
DAMAGE TO MOWING DECKS CAUSED BY SAND ABRASION OR VIBRATION RELATED TO AN UNBALANCED BLADE; AND
MODIFICATIONS TO MEET CHANGES IN FEDERAL, STATE, OR LOCAL CODES AND REGULATIONS.
CONDITIONS:
Renewal:
The "PowerGard™ Protection Plan Residential is renewable at Our discretion. Renewal cost reflects the age of the Covered Product and service costs at time of renewal.
Transferability:
This Agreement is transferable by the original purchaser for the balance of the "PowerGard™ Protection Plan Residential period. The "PowerGard™ Protection Plan Residential for the Covered Product may be transferred by mailing information to Customer Service, including the Agreement reference number, the date of new ownership, and the new owner’s name, complete address, and telephone number. Please include a check payable to TWGIS for twenty-five dollars ($25.00) to cover processing. Coverage is effective when TWGIS receives Your written notice and check.
Territorial Limitation:
The agreement territory is limited to the United States of America, including the District of Columbia, only. It does not include any Canadian or U.S. Territories including Guam, Puerto Rico, or U.S. Virgin Islands.
Subrogation:
If We pay for a loss, We may require You to assign Us Your rights of recovery against others. We will not pay for a loss if You impair these rights to recover. Your rights to recover from others may not be waived.
Arbitration:
This Agreement requires binding arbitration if there is an unresolved dispute between You and Us concerning this Agreement (including the cost of, lack of or actual repair or replacement arising from a breakdown). Under this Arbitration provision, You give up your right to resolve any dispute arising from this Agreement by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing Your and Our positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law. To start arbitration, either You or Wemust make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the breakdown occurred or the dispute arose. You and We will each separately select an arbitrator. The two arbitrators will select a third arbitrator called an "umpire." Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by You and Us. Unless otherwise agreed to by You and Us, the arbitration will take place in the county and state in which You live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (ADR.ORG |) will apply to any arbitration under this Agreement. The laws of the state of Illinois (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this Agreement and all transactions contemplated by this Agreement, including, without limitation, the validity, interpretation, construction, performance and enforcement of this Agreement.
Cancellation:
You may cancel this Agreement for any reason at any time. If You wish to cancel Your Agreement within sixty (60) daysof Agreement purchase, You can return to the Servicing Dealer You purchased your Agreement from, for a full refund. if You cancel after sixty (60) days of receipt of Your Agreement, please contact Customer Service to receive a pro-rata refund based on the time expired less a twenty-five dollar ($25.00) cancellation fee, or ten percent (10%) of the purchase price (whichever is less), less the cost of claims paid. Renewal is contingent on the original plan being in effect for the full term, if not, the renewal plan will be cancelled for a full refund. We may not cancel this Agreement except for fraud, material misrepresentation or non- payment by You. Notice of such cancellation will be in writing and given at least thirty (30) days prior to cancellation. If We cancel, the return premium is based upon one-hundred percent (100%) of the unearned pro-rata premiumless the cost of claims paid.
Entire Agreement:
This is not a contract of insurance. This is the entire Agreement between You and the Obligor, and no representation, promise or condition not contained herein shall modify these items. The Obligor under this Agreement is insured by a policy of insurance issued by Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, Illinois 60604, (800) 209-6206. If the Administrator does not pay a claim within sixty (60) days of submitting the claim, the claim can be submitted to the insurer at the above address.
STATE VARIATIONS:
State Variations: The following state variations will control if inconsistent with any other provisions:
In Arizona: In Section 3 "WHAT IS NOT COVERED," exclusion (E) is removed and the following statement is added: We shall not provide coverage only for those specifically listed items in the "WHAT IS NOT COVERED" section 3. The following statement is added to Section 4.E "Arbitration": Arbitration does not preclude the Arizona consumer’s right to file a complaint with the Arizona Department of Insurance, Consumer Affairs Division 800-325-2548. The following statement is added to section 4.F "Cancellation" of this Agreement: No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation. The following is added to this Agreement: The Obligor is Service Saver Incorporated, 175 West Jackson Blvd, Chicago, Illinois, 60604, (800) 209-6206;
In Arkansas: The following statement is added to Section 4.G "Entire Agreement": If the Administrator does not pay a claim within sixty (60) days of submitting the claim, the claim can be submitted to the insurer at the above address. A claim submitted to the insurer may include a claim of the unearned premium in the event of a cancellation. The following is added to this Agreement: This Agreement does not exclude pre-existing conditions.
In California: The following statement is added to Section 4.E "Arbitration": This arbitration provision does not prohibit a California resident from following the process to resolve complaints as outlined by the California Bureau of Electronic and Appliance Repair (BEAR). To learn more about this process, You may contact BEAR at 1-800- 952-5210, or You may write to Department of Consumer Affairs, 4244 South Market Court, Suite D, Sacramento, CA, 95834-1243, or You may visit their website at Bureau of Electronic and Appliance Repair, Home Furnishings and Thermal Insulation (BEARHFTI). 4.F "Cancellation" is amended as follows: In the event You cancel this Agreement within sixty (60) days of receipt of this Agreement, You shall receive a full refund of any payments made by You under this Agreement. In the event You cancel this Agreement after sixty (60) days of receipt of this Agreement, you shall receive a pro-rata refund of any amount paid based upon elapsed time less an administrative fee not to exceed ten percent (10%) of the price of this Agreement or twenty-five dollars ($25.00), whichever is less, and less any claims that have been paid or repairs that have been made.
In Colorado: The following is added to this Agreement: The use of non-original manufacturer’s parts is permitted. See also (23) Below
In Connecticut: The following statement is added to Section 4.E "Arbitration": The State of Connecticut has established an arbitration process to settle disputes arising from service Agreements. If You purchased this Agreement in Connecticut, You may pursue arbitration to settle disputes between You and the provider of this Agreement. A written complaint may be mailed to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, Connecticut 06142-0816, Attention: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the Covered Product, the cost of repair and a copy of this Agreement. The following statement is added to section 4.F "Cancellation" of this Agreement: You may cancel this Agreement if You return the Covered Product, or if the Covered Product is sold, lost, stolen or destroyed. The following statement is added to Section 4.G "Entire Agreement": The term of this Agreement will be automatically extended for the period during which the Product is in the custody of a service center forrepair.
In Florida: Section 4.E "Arbitration" is removed. Section 4.F "Cancellation" is amended as follows: If You cancel this Agreement, You will receive a pro-rata refund based upon ninety percent (90%) of the unearned pro-rata premium less the cost of any claims paid or repairs made on Your behalf. If We cancel this Agreement, return of premium shall be based upon one hundred percent (100%) of unearned pro-rata premium. The rate charged for this service contract is not subject to regulation by the Florida Office of Insurance Regulation.
In Georgia: In Section 3 "WHAT IS NOT COVERED", exclusion (E) is removed and replaced with: "Any and all pre-existing conditions known by You that occur prior to the effective date of this Agreement." Section 4.E "Arbitration" is removed. Section 4.F "Cancellation" is amended as follows: If You cancel after thirty (30) days of receipt of Your Agreement, You will receive a pro-rata refund of the Agreement price. We may not cancel this Agreement except for fraud, material misrepresentation, or nonpayment by You. If we cancel this Agreement, notice of such cancellation will be in writing and given at least thirty (30) days prior to cancellation. Cancellation will comply with Section 33-24-44 of the Code of Georgia. Claims paid and cancellation fees shall not be deducted from any refund owed as a result of cancellation. This Agreement will be interpreted and enforced according to the laws of the state of Georgia.
In Michigan: The following statement is added to Sections 2A "Term": If performance under this Agreement is interrupted because of a strike or work stoppage at Our place of business, the effective period of the Agreement shall be extended for the period of the strike or work stoppage.
In Missouri: The following statement is added to Section 4.G "Entire Agreement": A claim submitted to Virginia Surety Company, Inc. may include a claim for return of the unearned premium in the event of cancellation. See also (23) below
In Nevada: In Section 3 "WHAT IS NOT COVERED," exclusion (B) is removed and the following statement is added: this service contract provides coverage that is excess over any other applicable coverage. The following section 4.E "Arbitration" is removed. Section 4.F "Cancellation" is replaced with the following: No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation. You may cancel this Agreement at any time by following the procedures for cancellation set forth in this Agreement. If You cancel this Agreement within twenty (20) days after Your receipt of this Agreement and You have not made a claim under this Agreement, You are entitled to a full refund of the Total Price as specified on the schedule for this Agreement. If You cancel this Agreement any time after twenty (20) days after Your receipt of this Agreement or if You cancel this Agreement and have made a claim at any time under this Agreement, You are entitled to a refund of the unearned premium calculated on a pro rata basis, minus a cancellation fee of 10% of the Total Price as specified on the schedule for this Agreement. We may cancel this Agreement for any reason within seventy (70) days after Your receipt of this Agreement. We may cancel this Agreement thereafter only if:
You fail to pay an amount when due;
You are convicted of a crime that results in additional service under this Agreement;
It is discovered that You committed fraud or made a material misrepresentation in obtaining this Agreement or submitting a claim;
It is discovered that You engaged in an act or omission, or violated a condition of this Agreement, after the date of this Agreement which substantially and materially increases the service due under this Agreement; or
A material change occurs to the nature or scope of the service that causes it to be substantially and materially increased beyond that contemplated as of the date of this Agreement. If We cancel this Agreement as provided above, We will send You written notice at the address indicated in Our records. The notice will include the effective date of the cancellation, which will not be less than fifteen (15) days after the date We send You the notice of cancellation. In addition, You will be entitled to a refund of the unearned premium calculated on a pro rata basis. If We fail to deliver to You within forty-five (45) days any unearned premium to which You are entitled as provided above, You will be entitled to an additional amount equal to ten percent (10%) of the Total Price as specified on the schedule for this Agreement for every thirty (30) days such refund is delayed beyond the forty-five (45) days period.
In New Hampshire: The following statement is added to Section 4.G "Entire Agreement": In the event You do not receive satisfaction under this Agreement, You may contact the New Hampshire Insurance Department, 21 South Fruit Street, Concord, New Hampshire, 03021, (603) 271-2261.
In New Jersey: The following is added to this Agreement: The use of refurbished, reconditioned, or non-original manufacturer’s parts is permitted. See also (23) Below.
In New Mexico: Section 4.F "Cancellation" is amended as follows: If this Agreement has been in force for a period of seventy (70) days, We may not cancel before the expiration of the Agreement term or one (1) year, whichever occurs first, unless: 1) You fail to pay any amount due; 2) You are convicted of a crime which results in an increase in the service required under the Agreement; 3) You engage in fraud or material misrepresentation in obtaining this Agreement; or 4) You commit any act, omission, or violation of any terms of this Agreement after the effective date of this Agreement which substantially and materially increase the service required under this Agreement. The following statement is added to Section 4.F "Cancellation": If you cancel your agreement and do not receive a refund or credit within 60 days of receipt of the returned service agreement, a ten percent penalty per month shall be applied to the refund.
In North Carolina: The following statement is added to Section 4.F "Cancellation": We may not cancel this Agreement except for non- payment by You or for violation of any of the terms and conditions of this Agreement. The following statement is added to Section 4.G "Entire Agreement": You understand that the purchase of this Agreement is not required to purchase or to obtain financing for the Covered Product.
In Oklahoma: The following statement is removed from Section 4.E "Arbitration": The laws of the state of Illinois (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this Agreement and all transactions contemplated by this Agreement, including, without limitation, the validity, interpretation, construction, performance and enforcement of this Agreement. Section 4.F "Cancellation", is deleted and replaced with the following: You may cancel this Agreement for any reason at any time. To cancel, contact the Administrator in writing. If You cancel within the first thirty (30) days of receipt of Your Agreement, You will receive a full refund. If You cancel after thirty (30) days, You will receive a pro- rata refund based on one-hundred percent (100%) of the unearned pro-rata premium, less ten percent (10%) of the unearned pro-rata premium or twenty-five dollars ($25.00), whichever is less. No claim incurred or paid nor any repair made, will be deducted from the amount to be returned in event of cancellation. We may not cancel this Agreement except for fraud, material misrepresentation or non- payment by You. Notice of such cancellation will be mailed to You at least thirty (30) days prior to cancellation. If We cancel, the return premium is based on one-hundred percent (100%) of the unearned pro-rata premium. The following statement is added to Section 4.G "Entire Agreement": NOTICE: This service warranty is not issued by the manufacturer or wholesale company marketing the product. This service warranty will not be honored by such manufacturer or wholesale company. Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association. Obligations of the Obligor under this Agreement are insured by a policy of insurance issued by Virginia Surety Company, Inc., 175 West Jackson Blvd., Chicago, Illinois, 60604, (800) 209-6206. Oklahoma service warranty Statutes do not apply to commercial use references in service warranty contracts. In the "Arbitration" section of this Agreement, any reference to "Illinois" is replaced with "Oklahoma".
In Oregon: Section 4.E "Arbitration" is removed.
In South Carolina: The following statement is added to Section 4.G "Entire Agreement": If You purchased this Agreement in South Carolina, complaints or questions about this Agreement may be directed to the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina 29202-3105, telephone number (803) 737-6180. See also (23) below.
In Texas: The following statement is added to Section 4.F "Cancellation": If You cancel Your Agreement within sixty (60) days of receipt of Your Agreement, Your Agreement will be voided. If Your Agreement is voided and You do not receive a refund or credit within thirty (30) days of receipt of the returned service Agreement, You may request a refund from Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, Illinois, 60604. See also (23) below. The following statement is added to Section 4.G "Entire Agreement": If You purchased this Agreement in Texas, unresolved complaints or questions concerning the regulations of service contracts may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711, telephone number (512) 463-2906 or (800) 803-9202. See also (23) below.
In Utah: Section 4.E "Arbitration" is deleted in its entirety and replaced with the following: Any matter in dispute between You and Us may be subject to arbitration as an alternative to court action pursuant to the rules of The American Arbitration Association or other recognized arbitrator, a copy of which is available on request from Us. Any decision reached by arbitration shall be binding upon both You and Us. The arbitration award may include attorney’s fees if allowed by state law and may be entered as a judgment in any court of proper jurisdiction. The laws of the state of Utah (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this Agreement and all transactions contemplated by this Agreement, including, without limitation, the validity, interpretation, construction, performance and enforcement of this Agreement. Section 4.F "Cancellation" is amended as follows: We can cancel this Agreement during the first (60) sixty days of the initial annual term by mailing You a notice of cancellation at least thirty (30) days prior to the effective date of cancellation except that We can also cancel this Agreement during such time period for non-payment of premium by mailing You a notice of cancellation at least ten (10) days prior to the effective date of cancellation. After sixty (60) days have elapsed, We may cancel this Agreement by mailing a cancellation notice to You at least ten (10) days prior to the cancellation date for cancellations due to non- payment of premium, and thirty (30) days prior to the cancellation date for any of the following reasons: (a) material misrepresentation, (b) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Agreement, (c) substantial breaches of contractual duties, conditions or warranties. The notice of cancellation must be in writing to You at Your last known address and contain all of the following: (1) the Agreement number, (2) the date of notice, (3) the effective date of cancellation, and (4) a detailed explanation of the reason for cancellation. The following statement is added to Section 4.G "Entire Agreement": Coverage afforded under this Agreement is not guaranteed by the Utah Property and Casualty Guaranty Association. Proof of loss should be furnished by You to the Administrator as soon as reasonably possible. Failure to furnish such notice or proof within the time required by this Agreement does not invalidate or reduce a claim. This Agreement is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department.
In Washington: "Entire Agreement" Section 4.G is deleted in its entirety and replaced with the following: "In Washington this is not a contract of insurance. This is the entire Agreement between You and the Obligor, and no representation, promise or condition not contained herein shall modify these items. The Selling Retailer is not a party to this Agreement. The Obligations of the Obligor under this Agreement are backed by the full faith and credit of the Obligor." The following statement is added to "Dispute Resolution - Arbitration" Section 4.E: "In Washington any binding arbitration will be held at a location closest to Your permanent residence." See also (24) below.
In Wisconsin: In Section 3 "What Is Not Covered", exclusion (O) is removed. The following statement is added to Section 4.E "Arbitration": No mandatory arbitration is allowed. Both parties must agree to participate. If one party disagrees to participate, the arbitration provision becomes null and void. The laws of the state of Wisconsin govern all matters arising out of or relating to this Agreement and all transactions contemplated by this Agreement, including, without limitation, the validity, interpretation, construction, performance and enforcement of this Agreement. Section 4.F "Cancellation" is amended as follows: An Agreement may be cancelled by a Provider only for nonpayment of the Provider fee, material misrepresentation by the Agreement holder to the Provider or administrator, or substantial breach of duties by the Agreement holder relating to the Covered Product or its use. You may, within twenty (20) calendar days of the delivery of this Agreement, reject and return this Agreement for a full refund if no claim has been made. If We fail to credit a refund within forty-five (45) days after return of the Agreement, a ten percent (10%) penalty per month applies to any refund not paid or credited. We will not deny Your claim solely because You did not obtain preauthorization if we are not prejudiced by Your failure to notify us. The Provider shall mail a written notice to the Agreement holder at the last-known address of the Agreement holder contained in the records of the Provider at least 5 days prior to cancellation by the Provider, (a) shall state the effective date of the cancellation and the reason for the cancellation, (b), The notice under par. (c), If a Agreement is cancelled by the Provider for a reason other than nonpayment of the Provider fee, the Provider shall refund to the Agreement holder hundred percent (100%) of the unearned pro rata Provider fee, less any claims paid. Subsequent to the period for voiding this Agreement or if a claim has been made under the Agreement, You may cancel this Agreement and the Provider shall refund to the Agreement holder one hundred percent (100%) of the unearned pro rata Provider fee, less any claims paid. The Provider may charge a reasonable administrative fee for the cancellation, which may not exceed ten percent (10%) of the Provider fee. Section 4.D "Subrogation" does not apply to Wisconsin residents. The following statement is added to Section 4.G "Entire Agreement": THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. The laws of the state of Wisconsin govern all matters arising out of or relating to this Agreement and all transactions contemplated by this Agreement, including, without limitation, the validity, interpretation, construction, performance and enforcement of this Agreement. Proof of loss should be furnished by You to the Administrator as soon as reasonably possible and within one (1) year after the time required by this Agreement. Failure to furnish such notice or proof within the time required by this Agreement does not invalidate or reduce a claim. If a claim is not paid within sixty (60) days of submitting the claim to the Administrator or if the Obligor becomes insolvent or otherwise financially impaired, the claim can be submitted to the insurer at Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, Illinois 60604, (800) 209-6206.
In Wyoming: The following statement is added to Section 4.E "Arbitration": In the state of Wyoming, arbitration can only be final and binding if agreed to by the parties involved and in a separate written Agreement. See also (23) below.
In Alabama, Colorado, Hawaii, Massachusetts, Maine, Maryland, Minnesota, Missouri, New Jersey, South Carolina, Texas, Wyoming : The following statement is added to Section 4.F "Cancellation": If you cancel your agreement and do not receive a refund or credit within 45 days of receipt of the returned service agreement, a ten (10%) percent penalty per month shall be applied to the refund.
In Iowa, New York and Washington: The following statement is added to Section 4.F "Cancellation": If you cancel your agreement and do not receive a refund or credit within 30 days of receipt of the returned service agreement, a ten (10%) percent penalty per month shall be applied to the refund.


I received a hard copy in the mail today with my name on it and how to apply so I don't think it is a verbal agreement. On the surface it looks like a pretty good extended warranty. I just find it hard to shell out the extra money until after at least two years from now.
 

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That’s got a lot more words than Pats. In Pats case though he has a great relationship with his dealer and I would not be scared of it at all if my dealer had something like that. I would be certain they would honor it. Perhaps the only risk is if his dealer gets bought out by a larger one.

I have also received one from John Deere directly for the Power Guard. The price dropped the second time this summer but the third time and what I suspect will be the last one have been the same price. The $874.00 for 2 years seems tempting because you can get very little and parts or labor for that. I balance that with the fact that I have seen no real issues with the 32/38’s here or at my dealer.
 

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Quick thinking and i haven’t read the others responses.

So you have to pay $800 for the 2 years to go to 4 years so $800 there.
Then you have to keep paying till you hit the 6 year mark before drive train even kicks in so year 3-6 Is another $1600
Then im assuming you must pay till 10 years to keep it. So 7-10 to keep it going which is a other $1600

So that makes it a $4000 EXTENDED warranty. If I’m understanding you correctly. Maybe it’s worth it to be guy that pays to have the service done anyway?

I figure that $4000 would cover a lot of broken stuff between years 7-10. And do you 100% for sure keep the tractor? I’d take my chances of the engine blowing at year 7-10 and just go get a bigger better one :laugh:
 
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