Why the BMW Extended Warranty Isn’t as Extensive as You Think

A BMW extended warranty from the dealership might not last as long as you think. Learn the limitations and where you can find more coverage.

BMW steering wheel

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A BMW extended warranty protects you as the car owner from paying the full costs of covered repairs or replacements. It’s a service contract between you and the provider, whether that’s the BMW dealership or a third-party company.

If you’re considering paying extra for BMW’s extended vehicle protection, you need to understand your options, what’s covered in your limited warranty, and the cost. We’ll show you how a third-party provider like CARCHEX can be a good choice for those looking for a flexible, affordable protection plan.

To speak to a CARCHEX representative and get a free, customized quote, call (877) 225-7247 or fill out the form online.

BMW Extended Warranty: What’s Covered, What’s Not

BMW of North America refers to their extended warranties as the BMW Ultimate Protection Program or BMW Extended Service Contracts. This protection is continued beyond what new, used, or certified pre-owned (CPO) BMW owners receive in their original warranty. At the most, you can continue your coverage for up to seven years or 100,000 miles, whichever comes first.

BMW extended warranties from the dealership cover repairs and replacements due to defects in materials or workmanship only—not breakdowns from normal wear and tear.

There are three different BMW extended warranty plans: Platinum, Gold, and Powertrain Plus. 

True for all three plans: Replacements are made with 100-percent-original BMW parts, and repairs are made at authorized BMW facilities by trained BMW technicians. Around-the-clock roadside assistance is also included.

Other BMW Basics: How Long Does the BMW Extended Warranty Last?

Once you select your coverage level, BMW also lets you determine the length of your term. 

BMW vehicle owners can choose up to five, six, or seven years of coverage, as well as either 75,000 miles or 100,000 miles.

However, it’s important to note that this is a maximum of an additional three years after your four-year limited warranty expires—not five to seven additional years. 

What This Means for Used and CPO BMW Owners

Used car owners have the same extended BMW warranty options as those with new vehicles.

However, those with CPO models are limited. You can only select the Platinum level plan (the most extensive), and your term options are different:

  • CPO Elite members can only be covered for one additional year after their four-year limited warranty expires.
  • CPO members can be covered for two additional years.
  • CPO Wrap and CPO Wrap Elite members have the option of up to three additional years of coverage. 

However, CPO owners do get a one-year protection plan after the limited warranty expires. 

BMW Protection Products

BMW offers extra protection plans that can be added on to your extended warranty, such as: 

  • Tire and wheel protection in the case of damage from blowouts, potholes, glass, metal, debris, and other items.
  • Paintless dent repair to fix dings and small dents.
  • Windshield protection in the case that rocks, debris, or other items chip or crack the glass and require a repair.
  • Key protection to provide lockout assistance and reimbursement when your keys are stolen, damaged, or lost.

Pros and Cons of the Dealership's BMW Extended Warranty 

If the dealership is only going to help you out on defects, then it may be wise to think about options that cover breakdowns from normal wear and tear. Third-party brands like CARCHEX offer that coverage. 

Consider the pros and cons of a BMW extended warranty from the dealership compared to a third-party provider.

BMW Dealership Extended Warranty Pros:

  • Everything is true BMW—the technicians are BMW-trained and all parts are 100-percent-original BMW.
  • An extended warranty can help preserve the value of the vehicle.
  • Extended warranties provide peace of mind that you won’t have to fully pay for a pricey repair or replacement. 
  • You can also purchase a maintenance plan to cover wear and tear items.

BMW Dealership Extended Warranty Cons:

  • The dealership’s extended warranty only covers defects from materials and workmanship.
  • The dealership’s extended warranty limits you to their specified repair shops and locations.
  • Unless you’re able to negotiate the price down at the dealership, it’s likely you’ll end up paying for more for the extended warranty than you would with a third-party dealer.
  • The dealership only covers your BMW up through its first seven years or 100,000 miles. A third-party provider plan can last longer than 100,000 miles.
  • The BMW dealership limits you to three plans, not leaving a lot of room for customization.

Why You Should Consider a Third-Party BMW Extended Warranty 

Third-party extended warranty providers like CARCHEX are often more flexible and affordable than dealerships. For example, you’re not limited to using BMW-only parts or repair shops—you can go to your trusted local garage. 

When it comes to coverage, CARCHEX is a great example of a provider that offers a variety of plans that can be customized to your needs. It offers five levels of coverage—Titanium, Platinum, Gold, Silver, and Bronze—with several plan options under each level. The plans are provided through industry leaders, and CARCHEX makes sure that you get an affordable price.

Here’s an overview of CARCHEX’s Extended Vehicle Protection Plans: 

  • Titanium: Choose between five plans that offer up to seven to 10 years of coverage. These options provide bumper-to-bumper coverage with only a short list of exceptions.
  • Platinum: These three plans cover hundreds of components and all major vehicle systems. Terms can last up to five to 10 years.
  • Gold: CARCHEX says these three plans are the best options for cars with more than 60,000 miles. It offers comprehensive coverage for all major vehicle systems for up to five to 10 years.
  • Silver: This level offers three plans that protect your powertrain for up to six or seven years.
  • Bronze: These two plans last for up to five to six years and cover the major systems on your vehicle, protecting you from the most expensive common repairs.

In addition, you won’t miss out on benefits like roadside assistance when you choose a third-party provider. CARCHEX includes this service, as well as gas delivery, towing, rental cars, trip interruption services, and more. 

Other CARCHEX Perks

When you choose CARCHEX as your BMW extended warranty provider, you can enjoy these additional benefits:

  • The monthly payments are affordable and more manageable than an expensive BMW repair.
  • Customer Experience Above All is the company’s brand promise. You can always expect to speak to professional, knowledgeable representatives who offer a No-Haggle, Low-Price, Everyday Guarantee™.
  • If you change your mind about your service contract, CARCHEX provides a 30-Day Money Back Guarantee.
  • CARCHEX offers free quotes that are customized to your unique driving habits, car, budget, and needs. 

How to Get Your Free Quote

If you’re ready to talk to a CARCHEX auto insurance and warranty expert about extended coverage for your BMW, you can call (877) 225-7247 or answer a few questions online.

FAQ: BMW Warranties 

Can you transfer your BMW warranty?

BMW New Limited Warranties are transferable, including those for CPO vehicles.

BMW extended warranties from the dealership may not be transferable. If you purchase your BMW coverage from CARCHEX, you can transfer it to subsequent owners should you decide to sell the car.

Can I extend my BMW CPO warranty?

Yes, you can extend your BMW CPO warranty, but those with new and used vehicles have more options. 

Can I buy a BMW warranty for a used car?

Yes, BMW extended warranties are available for purchase for new, used, and CPO vehicles, whether from the dealership or a third-party provider.

How long is a BMW warranty?

The longest you can be protected by BMW is seven years or 100,000 miles, whichever comes first. This would include the four-year limited warranty coverage plus three years of extended coverage. 

Can you get a BMW extended warranty over 100k miles?

Not from the dealership. However, third-party providers like CARCHEX often offer coverage for BMWs with over 100,000 miles.