rwbern

DOWC follow up.
The contract has conflicting statements,
* repairs are limited to the actual repair or cash value of the car
Skip a paragraph & read:
* First six month repair limit is $ 1,500
* Next six months $ 3,000
* Twelve months plus $ 5,000
Needless to say, that’s a deal killer.

MTuomi - suggest you review your contact …. Carefully. Part 7, paragraph 5 of the Elite plan

Big Swole

Yeah, this is a Fidelity Thread folks... I see ZERO reason to go with anything else based off my personal experience which I shared above.

However, if you wish to start a "DOWC Mega Thread" and discuss it, that'd be great for those considering it.

For now, let's give the paying sponsors the respect of continuing with the FIDELITY only conversation. I'm sure they'll really appreciate it.


Thank you.

D

Highline-Autos.com

Well said, @Big Swole let's keep the Fidelity mega thread dedicated to Fidelity, plenty of general extended warranty threads on the forum that would be more appropriate for the current conversation.

SnakeEyesB

The following is going to sound confrontational, but isn't intended to be. Do you have any actual information on Fidelity's claims handling? Do you have any explanation regarding the incredibly troubling coverage experiences that have been detailed above, such as Fidelity outright denying coverage for repairs that appear to be rather clearly covered under its Platinum policy, or approving a fraction of the labor hours that the dealer's service department insists on billing for (thereby leaving the customer to pay the difference), or only paying for rebuilding something that the dealer's service department insists must be replaced?

I get that you don't have any actual studies or numbers to back up the 95% figure that you've cited, nor would I actually expect you or anyone else to have that. What I am asking is whether in your position as a broker who is compensated for selling Fidelity policies to customers (and, in all fairness, all the posts that I've seen have said that you are professional and responsive, but that's sales, not claims) you would even be in a position to know how well Fidelity handles customers' claims? The very nature of your position as a sales broker means that you are very familiar with Fidelity's sales practices, but have nothing to do with claims, correct?

What I really want to know is whether your posts amount to more than just marketing puffery (and you are fully entitled to engage in marketing puffery) and whether there is any real substance behind your defense of Fidelity's claims handling.

SnakeEyesB

Thank you for adding these details, which make the situation that much more troubling. At least in your particular case and situation, it sounds like Fidelity sold an exclusionary Platinum policy, but then failed to abide by it. Under an exclusionary policy, Fidelity doesn't get to cover items based on the part numbers and to deny everything else (that's how named components policies work, in which case the list of covered parts is specifically detailed in the coverage contract; that's not how exclusionary policies work, where everything is covered unless it is specifically excluded in the coverage contract). This isn't a subjective issue and Fidelity doesn't have any discretion here.

Did they really take the position that regardless of the fact that their own Platinum coverage contract does not have an exclusion for the sport chrono clock, they were going to base their coverage decision on an internal list of covered parts, which you had never seen, which was never disclosed in the coverage contract and which appeared to violate their own coverage contract? So, they simply weren't going to pay for it, and you were free to exercise your remedies?

Highline-Autos.com

@SnakeEyesB We both know there is nothing I can say that will make you happy, and you're not looking for extended warranty coverage.

There is a reason the largest/most-active Porsche enthusiast forum has a 2 year old, 47 page Mega Thread dedicated to a singular extended warranty company. Fidelity is preferred choice, and their customers love the service they receive. I have over 800 posts of engagement with the community and answering the community's questions as an expert in the industry. There is no trickery, deception, or "marketing puffery" going on here.

I hope you are able to show the members of Rennlist who choose to engage in this thread the respect you clearly do not have for me.

SnakeEyesB

I actually am looking for extended warranty coverage, which is how I came across this thread. I was seriously looking at Fidelity, which caused me to take a deeper dive into the posts about their claims. It uncovered some very troubling things, which I have quoted above, and since then there have been additional follow up posts that have provided additional troubling information.

Very respectfully, this giant thread is almost exclusively dedicated to sales and pricing, not claims. Hence, the reason that it took me quite some time to sort through the posts to identify the ones that talk about claims.

I actually do have respect for you. Once again, based on people's posts in this thread, you (along with all the other brokers who have been mentioned in this thread) provide excellent sales support, and are professional and responsive.

Being a good, knowledgeable and responsive sales broker, however, doesn't mean that you know anything about the claims handling side, as the two are quite separate. So, when you defend Fidelity's claims handling, there is nothing disrespectful about me asking you to explain the basis of your defense. In other words, as a sales broker, how are you in a position to know how well Fidelity handles customers' claims? Do you have an explanation for the coverage issues that have been brought up above? You don't have to have an explanation, as you are not a Fidelity employee, but you are familiar with Fidelity's coverage contracts, so do you see anything in the Platinum contract that would support Fidelity's denial of coverage for the sport chrono clock above?

rwbern

Some folks just don’t get it. There are multiple post in this thread about the competition. Each of them seam to give Fidelity the edge, so would think the “paying sponsor” would be grateful for the post. My last, regarding DOMC takes them out of the picture. Fidelity would complain about that?
Competition is the heart of any industry in a free enterprise system. I hope others will continue to post about all the warranty companies out there.
This “Fidelity” thread provides a forum for all.

mtuomi

Yes. Different plan than what I have. Mine has no limits, proven by my 13.5k claim within the first 3 months. I understand plans sold by dealers are not subject to these limitations.
back to topic, lets not infest this thread more.

Big Swole

Oh, we get it. We just have a different view of respect for thread starters / titles and content within.

Nothing stopping ANYONE from starting their OWN "Aftermarket Warranty Discussion Thread"!! In Fact, I hope someone does. I'll gladly join and post.

Start one and post the link here, Then others can decide for themselves if they want to join and learn.



Not trying to start a fight, only wanting to keep the thread on topic for the sale / pricing / discussion of "FIDELITY".

daveeast

Thank you for posting for the community. Accurately summarizes my experience.

SteingoldVolvoCars

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jaymarcia

Hi Michael - will be looking to purchase Fidelity warranty in a few months. Does the quote include tax? If not, is there tax added? I haven’t gone through all the way to see if it does.

Highline-Autos.com

Hey @jaymarcia , I'd be happy to provide pricing as well, and all of our pricing, tax is included, no surprises when it comes to pay. You can reach me directly at tgibson@highline-autos.com or (855) 924-1333

arne

Any thoughts on this comment I saw on another forum? Has Fidelity changed their terms of coverage lately?