I paid $800 5 years ago and still in effect
Never needed it so can't say if it's good
Some guys spend $800 to upgrade things so they don't break
I spent $800 in case something breaks
Might not get it next time since my ride has been so dependable

 

The lowest they got when I picked up mine was $1400 for 5 years. I didn't buy it, but nonetheless.

It is illegal for a dealership to void your warranty based solely on the fact that you have installed an aftermarket product. Your rights are protected by the Consumer Product Warranties Law, often referred to as the Magnuson-Moss Warranty Act.

Now if you are submitting a warranty claim for a dusted engine, and you've changed the filtration system. They may not approve your claim. Same with the tires. If you file a claim for bad wheel bearings with 32" tire, they may not approve your claim.

 

I bought the extended warranty, so my recommendation is if you can afford...get it.
Better to have it and not need than to need and not have it.

 

A few months after I purchased my 2020 RZR TRE, I started pricing extended warranties. I called a couple of dealerships and they both quoted me $1980 for 60 months. One of them said I had to bring my TRE in to them, pay ~$60 to have it inspected (unless I bought the extended warranty), and if it passed their inspection, they'd sell me the 60 month warranty for $1980. The inspection made no sense to me. My RZR was still under factory warranty. If I had an issue, I would've brought it in. If it was abused, they'd deny it anyway. But yeah, f*** that. I like peace of mind but it wasn't worth $2K. The odds always favor the house and some dealerships are notorious for denying warranty claims anyway.

A week or two later, I went with my youngest son to a third Polaris dealership to buy a quad for him. Out of curiosity, I asked the sales manager about the Polaris extended warranty on my RZR which was still under factory warranty. He said Polaris would extend the warranty, they sell their warranties at $50 above their cost, and handed me a sheet (pictured). I thought that was worth the peace of mind. So, I purchased a 60 month Polaris extended warranty for $1040.

To be clear, I have no idea as to the accuracy of the prices on that sheet (pictured). The first two dealerships I talked to kinda lend accuracy to those prices, or at least the MSRP (2020). I really wish there was someone on the forum who worked at a dealership and wouldn't mind (anonymously) sharing that kind of information. I may never need that warranty and/or Polaris might not cover it. But considering I paid close to $3K below the MSRP for my RZR when I bought it, that's an easy pill to swallow.

Bottom line, statistically, the extended warranty won't pay itself off. It's a gamble. But if it gives you peace of mind, shop around before purchasing an extended warranty.

 

Pm fix my toys. I believe they'll do 25% discount for forum members.

 

The dealer offered me a warranty for $3300. I declined.

Polaris sent me an offer for the same warranty for $1800. I was gonna go for it, then my clutch exploded.

I got an extra year warranty as part of the recall.

Then, I spent the warranty money on upgrades instead.

 

Extended warranties almost always = ripoff. Period. They make so much money on those and people just keep on buying them. Then if something breaks, you have to hope they don't find some reason to reject your extended warranty claim. Great system...for them. Take that money, put it in a bank account, add a little over time until you feel like you're safe and go enjoy your machine. In the end you'll almost certainly still have that money instead of Polaris and the dealer having it. We call ours an emergency fund and we leave it alone. It's only for emergencies. Over a lifetime you'll be many thousands of dollars ahead doing it this way if you own vehicles, appliances etc.

I have no dog in this fight. I just get tired of seeing dealerships and manufacturers ripping people off. They prey on your fear and financial insecurity to make sure they get more of your money and keep you financially insecure. You'll always hear some story about somebody coming out ahead on an extended warranty but you may as well go gamble in Las Vegas if you're gonna throw money away. Your odds of "winning" are about the same.

 

i can’t believe that the msrp vs cost is a 100% profit. Shows how much of a rip off for a dealer to sell an item that requires no labor or service. Now the dealer trying to peddle the same thing at a 200% profit is a joke.

a 5 year warranty for $1000 on a vehicle with so many electronics and documented issues will likely have an issues equal to that. At that price, as long as you don’t plan on heavily modding the unit and you don’t like fixing your own stuff, I think it’s a gamble in your favor.

Extended warranties almost always = ripoff. Period. They make so much money on those and people just keep on buying them. Then if something breaks, you have to hope they don't find some reason to reject your extended warranty claim. Great system...for them. Take that money, put it in a bank account, add a little over time until you feel like you're safe and go enjoy your machine. In the end you'll almost certainly still have that money instead of Polaris and the dealer having it. We call ours an emergency fund and we leave it alone. It's only for emergencies. Over a lifetime you'll be many thousands of dollars ahead doing it this way if you own vehicles, appliances etc.

I have no dog in this fight. I just get tired of seeing dealerships and manufacturers ripping people off. They prey on your fear and financial insecurity to make sure they get more of your money and keep you financially insecure. You'll always hear some story about somebody coming out ahead on an extended warranty but you may as well go gamble in Las Vegas if you're gonna throw money away. Your odds of "winning" are about the same.

 

Thanks for the guidance. I'm not opposed to giving the dealer a "fair" profit, recognizing my definition of fair may be different than theirs. I think I'd do it for the peace of mind if I can get it for $1200 or less like @SoonerRC did (thanks for sharing the pricing sheet!). I can't see how it won't pay for itself for that price.

I also totally get the idea of banking the warranty cost for this or any other product and that's usually what I do. However, I'm not mechanically inclined and don't like leaning on my friends who are more than I have to so getting the warranty on a car that I know is prone to break just makes sense. That said, I didn't have to do a dang thing to my 900 for the 8 years I owned it so who knows.

Again, thanks to all.

 

Thanks for the guidance. I'm not opposed to giving the dealer a "fair" profit, recognizing my definition of fair may be different than theirs. I think I'd do it for the peace of mind if I can get it for $1200 or less like @SoonerRC did (thanks for sharing the pricing sheet!). I can't see how it won't pay for itself for that price.

I also totally get the idea of banking the warranty cost for this or any other product and that's usually what I do. However, I'm not mechanically inclined and don't like leaning on my friends who are more than I have to so getting the warranty on a car that I know is prone to break just makes sense. That said, I didn't have to do a dang thing to my 900 for the 8 years I owned it so who knows.

Again, thanks to all.

Take the 1200 to 1800 dollars you would have spent on your warranty and stick it I an envelope instead. Put the envelope in a safe place. After 5 years, you'll have an envelope with 1200 to 1800 dollars in it. IF something goes wrong you can pay for the repair and won't have to ask a friend/DIY.

 

I got quoted the Zurichs warranty from the dealer and they wanted $3000 for it, I laughed, then called the performance shop and they said an entire engine rebuild was $4000, ill save the money for catastrophic failure, normally the warranty isn't worth the paper taken to write all the fine print.

 

my dealer in Filmore UT sold me a aftermarket one , said it covered more the the factory one and wouldnt nit pic anything like polaris does .
some are worth their weight in gold , had a 2014 ram 3500 duley , it paid for itself 3 time over and gave me half the purchase price back when i traded it in .

 

I’ve owned about 4 Polaris 4s and never bought the warranty and never had a problem BUT after reading all the problems from this forum that members are having, I’ll buy one on my next purchase.

 

huge markup in extended warranties. I never buy them, but if you go that route.They should be able to negotiate a better price.

 

Best advice I've heard was the warranty is only as good as your dealer.

Sent from my SM-T830 using Tapatalk

 

everyone has their opinion. personally i bought it. i have a 21 turbo s, got the polaris extended for $2500 the day i bought the rzr. they also had one from another company but i just felt better going with polaris's warranty. dealership told me it was normally $3k or 3,500 but if you get it same day its $2500, now i have no idea if thats salesman talk or any truth to that but i didnt really care beacuse i knew going into getting the rzr i wanted the extended warranty. i am not that handy with a wrench and i just dont have the knowledge to fix things other than basic stuff. i dont have plans to modify the motor at all. for me i like knowing i have it. my next door neighbor has been through 2 turbos on his 2021 turbo s. both replaced by the factory. maybe he just had some bad luck, no problems with mine but you never know what might happen.

 

Picked up my PXP4 Ultimate on Tuesday. After the dealer discounted the warranty cost, it was $1999. The dealer has been more than fair with me and gave me what I believe was a fair price on the car. However, giving them a $1000 profit on the warranty was not going to happen...at least not yet. I'm anxious to see what Polaris offers as time gets closer to 6 months and will reach out to @FixMyToysZach before making a final decision as I hear those folks do discount the warranties.

My thanks again to all who offered their input to a guy who has a hard time telling the difference between a wrench and a pliers.

 

 

Ha! Here you go!

 

SO back in 2019 when I purchased my TRE I did purchase a Polaris 36 month warranty. I own a speed shop ( UTV's and Snowmobiles) and know wrenches very well.
I decided to take the warranty as piece of mind and the dealer I have purchased from before ( not my local dealer either) I paid $1,000.

2 years later while out riding I didn't notice till I returned home my front diff seal decided to let go. Took it to my local dealer for a claim ( cause of the Polaris warranty) and it was 100% covered by Polaris less my $50.00 deductible. I knew the labor rates and diff cost - I came out ahead even if I did the labor myself...
So for once a Extended warranty worked...

I consider my self fortunate have always preformed routine maintenance myself, and was never asked any questions, and even had a RCV prop shaft on it and was never questioned.
Would I buy another one??? Probably not- I was just lucky on this one rolling the dice....

 

Warranties are like car/health insurance. No difference. You buy it just in case. It is cheaper to buy the “insurance” than if something major happens. It depends on how risk averse you are or are not.

 

I didn't buy the extended warranty on purchase day. I figure I have some time to think about it during the standard warranty period. Plus, since I'm financing, I have to have full coverage insurance anyways, if something goes wrong with the ride I can file a claim. I talked to State Farm about the coverage, they told me everything is covered. I have a very low deductible. I don't want to be under the delusion that insurance is my savior, but State Farm has always taken really good care of us. Does anyone have experience filing damage claims against their insurance for their OHV?

 

I have State Farm also- and so do my son's ..Both of my son's have claim's ( substantial to almost totaled) their RZR and State farm cut a check within a week of having the adjuster look at the repair information from local dealer.
They ( State Farm) have been stellar in this- just getting a adjuster to come look was a month long process though.

I have the Polaris Extended warranty- and have had to use it with a small $50.00 deductible. I don't think any insurance company is going to cover a blown diff / tranny or motor failure....

 

Great to hear about State Farm.
Regarding the extended warranty for a blown diff or tranny, even in those near-worst case scenarios, I assume fixing that is still less than the cost of that warranty, especially if you do a lot of the work yourself (which I'm willing to do). As for motor failure, yeah, guess you'd be pretty screwed on that one.

 

@De1taE1even
Have you priced the cost of a new front diff?
My extended warranty covered a full diff ( case included) because even as a simple pinon seal popping out and dropping your oil generally takes out the entire case, ( ask me how I know) I had the 3 years warranty and I was 45 day's from it expiring, when it happened.
So yeah I could have fixed it myself and save labor but the cost alone for the diff was over what was paid for a warranty...

Yeah it's a roll of the dice, and first time I ever needed to ever use one- but crap is getting old how cheap things are being made these day's