Garantia Estendida para 4 Anos

Pernalonga escreveu:Essas garantias sao oferecidas por outras empresas, pra carros geralmente a Mapfre (isso mesmo, seguradora Mapfre).

Comprei um fusion com esta garantia estendida, não precisei utilizar, mas quando vendi o carro, vendi com a tal garantia, e o novo dono precisou usar, e segundo ele foi estressante.

No meu caso eles obrigavam a manter as revisões de fábrica, e toda vez que precisava de algo você tinha obrigação de levar na Mapfre, fazer um vistoria, esperar expedir um laudo e aguardar EM QUAL OFICINA ELES IRIAM INDICAR.

Tem que perguntar pra concessionária quem é responsável por esta garantia e o que cobre, pois geralmente cobre somente motor e caixa.

Pernalonga escreveu:Fosse hj, eu (eu disse EU) não compraria essas garantias estendidas se for da Mapfre (garantia pra carro), acho que você fica muito preso, e fora que eles sao chatos.

Vou contar o que eu sei que aconteceu com o meu ex-fusion, pois vendi ele pra um amigao meu.

Depois que venceu a garantia deu problema na caixa de cambio, e depois de uns 3 meses e varias vistorias, a resposta foi um não. Alegaram que o problema foi devido ao mau uso, e que a garantia estaria invalidada quando o carro foi vendido, o que é ridículo tal argumento.

Sei que ele entrou na justiça, só não sei o que deu.

angelforce escreveu:Enquanto isso, achei esse informativo do Procon sobre Garantia Estendida.
Útil.

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Dear Economist,

My wife and I can never agree about buying extended warranties. She says they're a waste of money; I say better safe than sorry. Isn't it just a matter of opinion?

R.A., Taunton, UK

Dear R.A.,

Needless to say, your wife is quite right.

Any kind of insurance should always be a last resort. Most people are risk-averse, meaning that they are willing to pay to avoid increased risk. If you have 1 million, you would be right to turn down an offer to toss a coin for "double or nothing," because the first million pounds is far more valuable to you than the second million.

But most insurance does not fall into that category. Over the course of your life you will earn hundreds of thousands of pounds, perhaps millions. A few hundred pounds here or there is inconsequential, and nobody should accept insurance for such sums except on absolutely fair terms.

Most of us do not realize that we should insure only against losses that we truly cannot afford, such as large legal or medical costs, or simply watching our house burn down. We get nervous about small risks, even though if we put our insurance premiums into a savings account rather than give them to an insurance company, we would be almost guaranteed to be well ahead in the long run.

Insurance companies are eager to take advantage of our irrationality, but competitive pressures tend to keep premiums at least somewhat fair. So the ideal way for an unscrupulous company to take our cash is to spring on us a surprise insurance deal linked to a purchase we have just made, and therefore not subject to competition.

This is exactly what an extended warranty is. For a washing machine, a five- year warranty will cost about 150, but the fair value is about 10. (A washing machine repair costs about 55, and the chance of a breakdown within five years is less than 20percent.) Incidentally, your house insurance may well cover you in any case.

Put the 150 in the bank instead. I suggest it go into your wife's account: you are clearly not to be trusted with matters of high finance.

Your risk- neutral friend,

The Undercover Economist