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.

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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.

Platinum

As the highest level of protection available, this plan offers complete protection for these systems:

  • Engine
  • Transmission
  • Final drive assembly
  • Transfer case (all-wheel drive only)
  • Electrical
  • Cooling system
  • Fuel system
  • Induction system
  • Steering
  • Brakes and ABS
  • Heat and A/C
  • Infotainment system 

It also includes limited coverage for the car’s interior and exterior. This plan is available for owners of new, used, and CPO BMW vehicles.

Gold

The Gold plan protects the same systems as the Platinum plan with these changes:

  • The electrical systems have limited coverage.
  • The infotainment system isn’t covered.
  • It isn’t available for CPO vehicles.

Powertrain Plus

This plan for new and used BMWs focuses on protecting the powertrain and limits or excludes coverage on several other systems.

  • Complete coverage: 
    • Transfer case (all-wheel drive only)
    • Induction system
  • Limited coverage: 
    • Engine
    • Transmission
    • Final drive assembly
    • Electrical system
    • Cooling system
    • Fuel system
  • Excludes:
    • Steering
    • Brakes and ABS
    • Heat and A/C
    • Infotainment system
    • Interior and exterior

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.

BMW New Vehicle Limited Warranty 

When you purchase a new, used, or CPO BMW, it comes with a limited warranty. This is different from the extended warranty because you’re not purchasing extra coverage under a new contract—it’s included with the vehicle. 

The BMW New Vehicle Limited Warranty includes:

  • New Vehicle Warranty: four years or 50,000 miles
  • Rust Perforation Warranty: 12 years or unlimited miles
  • Federal Emissions Warranty

    • All emissions related parts: two years or 24,000 miles
    • Specific control devices: eight years or 80,000 miles
  • California Emission Control Warranty

    • All emission related parts: three years or 50,000 miles
    • Specific control devices: seven years or 70,000 miles
    • TZEV vehicles: 15 years or 150,000 miles

Maintenance Plans

BMW also offers maintenance plans to cover wear and tear. There are two different contracts based on whether your BMW is a 2017 or earlier model.

2015 and 2016 BMW vehicles sold or leased by an authorized BMW center on or after July 1, 2014 are covered under the BMW Maintenance Program for four years or 50,000 miles, whichever comes first. 

2017 and newer models are covered under BMW Ultimate Care, which lasts for three years or 36,000 miles. 

These BMW maintenance plans aren’t transferable.

BMW Extended Warranty Cost in 2019

If you’re considering a BMW extended warranty, the main question you may be asking is whether it’s worth the cost. 

When purchased from the manufacturer, extended warranties cost about $1,000 to $1,500. Keep in mind that the payment is wrapped into your car financing, so you could actually end up paying interest on your extended warranty.

Repairs done by dealerships are known to be more expensive than repairs done by independent garages, so it makes sense that you would spend more at the BMW dealer. Not to mention, BMW repairs and maintenance can be pricey. YourMechanic called BMW the most expensive car to maintain, estimating 10 years of maintenance to cost $17,800.

Let’s break down some common BMW repair and replacement costs: 

If these issues are caused by factory defects, your BMW limited warranty or extended warranty from the dealership should cover the costs. If they’re caused by regular use, which seems more likely, then you’re responsible for the bill. 

BMW Extended Warranty Reviews

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.

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.

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.