Extended service contracts

Lakebum said:

The only problem with waiting is then extended warranty is issued through Polaris. Their not always easy to work with, they like to say, “that issue is normal wear and we do not cover it”

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There's 2 sides to this coin. On side 1, what is actually covered is quite little. On side 2, what is covered (and not covered) is on the contract you sign. And it is very explicit. There is little room for interpretation, like any good contract should be. If you buy the extended coverage without knowing what is covered, there is little room for complaints. If they are in violation of contract, there is plenty of help out there from 47 different government agencies. Winning is trivial.

Here's what is on the actual contract, explaining what is excluded from the Polaris US Off Road extended warranties.

WHAT IS NOT COVERED (EXCLUSIONS): AS RELATED AND APPLICABLE TO THE COVERED VEHICLE, UNLESS EXPRESSLY COVERED ELSEWHERE IN THIS CONTRACT, THIS CONTRACT DOES NOT COVER: A. Regular scheduled maintenance services. B. Reimbursement for any repair or replacement made without prior authorization from Us to the Authorized Servicer, unless the repair or replacement was made pursuant to an emergency repair. C. Repair costs or expenses reported or made after the cancellation or expiration of the Term of this Contract or made without prior authorization of the Obligor, other than emergency repairs made in accordance with the terms of this Contract. D. Mechanical Breakdowns occurring outside of the United States of America, its territories, or Canada. E. Repair costs or expenses if the Vehicle has been put to Commercial Use unless the Commercial Use surcharge has been selected and paid for. F. Repair costs or expenses if the Vehicle has been used for racing, or any form of competitive use, rental, misuse, competition, or demonstration; any damage from towing over the manufacturer’s listed towing capacity. G. Repair costs or expenses if You cannot provide to the Obligor accurate records proving that You have maintained the Vehicle in accordance with the manufacturer’s specifications and instructions. H. Repair costs or expenses if the repair is covered by the Manufacturer’s Warranty; recall by the manufacturer; manufacturer’s promotional Limited Warranty; any other Contract; Written Warranty or any valid collectible insurance policy (regardless of whether or not the guarantor is doing business as an on- .going enterprise). I. Any repair costs or expenses due to damage caused by mechanical alterations or Non Factory Installed upgrades made by You or on Your behalf not using genuine manufacturer parts or accessories installed by a Seller or Authorized Servicer (as defined). J. Repair costs or expenses if the Vehicle has been abused or neglected; or any part of it has been subject to accident or for any loss or damage resulting from: road hazards, collision, falling objects, fire, theft, explosion, lightning, earthquake, windstorm water, submersion; repairs to paint or bodywork; vandalism, civil commotion, or if the Vehicle is a total loss, has been repossessed or is the subject of a repossession action, or from any other cause whatsoever, except as outlined in this Contract. K. Liabilities for damage to property or for injury to or death of any person arising out of the operation, repair, maintenance or use of the Vehicle; regardless of whether or not such is related to any covered part; or for consequential losses ordamage. L. Repairs due to normal wear and tear or to any part that has not suffered a Mechanical Breakdown, or if the wear and tear on the part has not exceeded the published field tolerance allowed by the manufacturer, or the repair costs not necessary to correct a Mechanical Breakdown, or the damages or any loss resulting from faulty or negligent repair work or from the installation of defective parts; for bent or damaged components caused by impact or using the Vehicle beyond intended application. M. Any of the following items: adjustments, alignments, rattles, tune up, charges for shop supplies, freight charges or hazardous waste removal and storage. N. Water, dirt, mud, snow, ingestion (regardless of cause), freezing or ice damage, clogged filters, damage related to oil or any filters not recommended by the manufacturer, damage caused by lean mixtures, detonation, pre-ignition, carbon, coking or sludge, contamination (meaning, the unintended presence or introduction of contaminants), corrosion, rust, exhaust bluing, exhaust rust, exhaust chrome or paint, leaking fork or shock seals, loss of shock nitrogen, electrolysis, reverse polarity, loosening or stripping of external fasteners or bolts, or for Mechanical Breakdowns caused by overheating of any covered part or non-covered part, failures due to not maintaining proper levels of coolants or lubricants; or damage resulting from continued operation in a failed condition; or for repair costs when the purpose is to raise compression or correct oil consumption which includes, but is not limited to: worn rings; worn, tuliped, dished, stuck, carboned or burned valves; and cracked, torn or punctured CV boots. O. Any of the following parts: Electrical – high voltage traction batteries, 12-volt batteries, battery cables, fuses, audio speakers (Unless Factory Installed) or other audio components such as amplifiers or radios (Unless Factory or Seller Installed), and any components used for illumination; Cosmetics & Appearance – paint, chrome, moldings, trim, glass, upholstery, windshields, and body panels; Suspension – suspension bushings; Powertrain – fluids, filters, hoses, exhaust muffler, silencer, catalytic converters, emissions components, spark plugs and wires, and oxygen sensors; Driveline – brake rotors, brake pads, tires, tubes, spokes, chains, belts, primary or secondary pulleys, manual clutch plates, discs, throw-out bearing, PVT drive clutch weights, pins, rollers, bushings, and springs; In-home service. Page 7 of 11 US-STD-NAT (5-22) P. Repairs due to damage caused by a pre-existing condition, unless We or the Seller knew about the pre-existing condition at the time of the Vehicle’s sale. Q. Any Loss arising out of the unauthorized access or use of any system, software, hardware, or firmware, or any modification, reprogramming, destruction, or deletion of data or software by any means.

What is covered:

1. Engine Assembly – Engine block, cases, cylinders, heads, covers and all internal engine components, seals and
gaskets (when damaged by an internally lubricated part), exhaust manifold, head pipe, water pump, oil pump, throttle
body adapters, turbochargers and turbo dump valve installed by manufacturer.
2. Transmission Assembly – Transmission case and all internal transmission components, seals and gaskets (when
damaged by an internally lubricated part); and shifter assembly (clutch friction discs, steel discs, throw-out bearing, and
clutch springs are excluded).
3. Engine Management Fuel & Electrical – Carburetor, Throttle Bodies, Injectors, Fuel Rail, Fuel Pump, Stator/Alternator/
Flywheel, Voltage Regulator, Capacitor, Coils, Idle Air Control (IAC), engine ECU, Engine Wiring Harnesses, Engine
management sensors that provide an input to the ECU (excluding oxygen sensors).
4. POLARIS TOTAL PROTECTION covers all parts of the Vehicle except for the following items:
a. Parts listed under the Exclusions from Coverage Section of this Contract; and
b. Parts covered under the manufacturer’s warranty, special policy, or recalls.