Extended Service Plans ESPs

[SonnyDigs]

it’s assumed that dealerships with take any warranty because it’s ”paid” work… that’s not true. Some plans have limited reimbursement that is not equal to what the dealers typically charge and get paid.

I had a 2019 Honda Accord with a Honda maintenance plan and warranty. My local dealer opted to not honor either plan because they said the reimbursement rates set for the plan was not worth it to them to do the work. I battled this hard… took it to Honda. They said dealers have the right to perform the work they choose and honor the warranties they choose. He told me essential it was not different than a third part warranty because of that reason.

Did you by chance read the reviews on these warranty programs
I did, they were outstanding..
I talked to others that have used Flood. I found no one saying they were ever turned down on a legit claim. My consensus was that it's a reputable warranty program.
It's pretty clear what is under warranty. ??
It will be what it is.
I also have a really good lawyer. ?

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[DSpyV]

One of the big differences between Ford and Honda. Ford ESPs are honored at every Ford dealer in the US.

Honda warranties say the exact same thing. However, if any warranty doesn’t pay the same as what they normally charge, the dealerships are privately owned and can ask for their normal rates. If the warranty does pay their rate they can walk. The dealers are not run by Ford. Dealerships are private entities and can charge and do as they please, which is why some dealerships have such variable rates.

 

[camattin]

Honda warranties say the exact same thing. However, if any warranty doesn’t pay the same as what they normally charge, the dealerships are privately owned and can ask for their normal rates. If the warranty does pay their rate they can walk. The dealers are not run by Ford. Dealerships are private entities and can charge and do as they please, which is why some dealerships have such variable rates.

Ford dealerships don't have this luxury of denying ESP repair work. The dealerships are independent but have to agree to Ford's rules and this is one of those rules.

Apparently Honda doesn't (I haven't researched) and that's on them.

 

[Wolf Man]

One of the big differences between Ford and Honda. Ford ESPs are honored at every Ford dealer in the US.

Canada & Mexico too you know in case you happen to travel to either.

 

[SonnyDigs]

Ford dealerships don't have this luxury of denying ESP repair work. The dealerships are independent but have to agree to Ford's rules and this is one of those rules.

Apparently Honda doesn't (I haven't researched) and that's on them.

Exactly..
They didn't just grab a # out of the air to pay for a repair. Those #'s had to be negotiated.
As said, dealer can't just turn down ESP. Dealers have an obligation to honor the warranty just like the 3 yr warranty.
Why are there 100,000's signed up for an ESP
if they are so iffy, why are the reviews so good?

 

[sbi]

That's direct from EG Assurance's website. Meaning (IMO), they have so many permutations of contracts and what they're going to cover, they won't even put in on their public website. So while the finance guy says it "covers everything" he could have been telling the truth or lying through his teeth. You'd have to scour the fine print of your contract to be certain.

Whereas it's pretty easy to find the Ford ESP's T&C

https://www.floodfordesp.com/Ford ESP/Forms/Ford_ESP_Sample_Contract.pdf

And from that contract, this is what he referred to:

Repairs caused by loss of lubricants or fluids or contamination of oil, fluids or fuel. Repairs caused by continued operation of the vehicle after loss of lubricant or fluids or contamination of oil, fluids or fuel

So is there no chance of Ford dealer tells you "Sorry, but your [part/system] failed because your engine was low on oil", or "you used wrong fuel", etc?

 

[RalpL]

I just wouldn't trust a non-Ford extended warranty, but that's me. I paid $2260 for 8/100 no ded and included first and extended rental and lights and keys, from Ford.

Exactly what I plan to do with the same dealer. Now all I need is a truck!

 

[SonnyDigs]

Exactly what I plan to do with the same dealer. Now all I need is a truck!

Sounds like the same plan I signed up with Flood.
Also covers all the bulbs on the truck.
I'm very happy with what I purchased and hope I don't need it but if I do I feel sure that it will be covered.

 

[camattin]

And from that contract, this is what he referred to:

Repairs caused by loss of lubricants or fluids or contamination of oil, fluids or fuel. Repairs caused by continued operation of the vehicle after loss of lubricant or fluids or contamination of oil, fluids or fuel

So is there no chance of Ford dealer tells you "Sorry, but your [part/system] failed because your engine was low on oil", or "you used wrong fuel", etc?

That is saying you were intentionally causing damage to the truck. And I'm sure the 3rd party wouldn't cover you either if you drive 100 miles with no oil in the engine.

That is absolutely not the same as one part breaking because of the failure of an uncovered part.

 

[UNIKRN150]

I was all set to pull the trigger on the Zeigler ESP until Ford approved me for a ZERO% loan!

Now I have 7 years, 70K miles bumper to bumper* and ANY Ford Service dept in North America just runs my VIN and that's that.

I REFUSE to say "it was worth the wait" (EIGHT MONTHS!) but Ford is making it awfully difficult for me to say "it wasn't"!

 

[SonnyDigs]

I was all set to pull the trigger on the Zeigler ESP until Ford approved me for a ZERO% loan!

Now I have 7 years, 70K miles bumper to bumper* and ANY Ford Service dept in North America just runs my VIN and that's that.

I REFUSE to say "it was worth the wait" (EIGHT MONTHS!) but Ford is making it awfully difficult for me to say "it wasn't"!

Excellent........

 

[currybob]

I read all the posts in this thread, got the general idea (I just checked Anderson & Koch and they are indeed cheaper than the "main two". Problem is you can't pay with points).

I just picked up my truck three days ago. Finance guy at the dealership already prepared - and eventually sold me, just because it was easy for me to include it with the Ford finance, which I can cancel within 30 days - an ESP from EG Assurance. He said that's the company they work with. Cost me $2200 for 6 years/100K. I know it's more expensive than the others, but as I said - I like the fact that it spread over 60 months and I can cancel, and we agreed that I can think about it/do more research and I have 30 days to cancel.

And here comes the big Q:
I mentioned Flood and Ziegler to him, that they are cheaper than his plan, he said that the difference between EG and the other two is (can't remember the exact words, but I'll try to convey the his explanation):

The other two are Ford plans, owned by Ford, covered by Ford, etc.
EG Assurance is a third party.
So, for example, the dealership may tell me that 'somethng (a part; system; fill in the blank) is not covered because it broke as a result of another part that is not covered', and since Flood and Ziegler are Ford plans they will not honor the repair because of that reason.
Whereas EG not being Ford will cover it because, well - they are not Ford.
Hence why his plan is better.

In short: Since the other two plans are owned and covered by Ford and the truck is maintained in a Ford facility, it will be easier for them to come up with excuses as to what's covered and what's not, unlike a third party ESP.

So my question to you, is there any basis to this claim? Or do the Ford ESPs (Flood, Ziegler, A&K, whoever) really cover for everything?

Thank you.

I would never purchase a ESP from other than the manufacture.

I have never had any issues with the Ford ESP but only had to use it twice for minor issues and got the prorated difference back when I sold my truck.

Saw several on here use the links to get their own dealer to lower their price on the Ford ESP and they were able to finance it into their loan too.

 

[GABAR]

I read all the posts in this thread, got the general idea (I just checked Anderson & Koch and they are indeed cheaper than the "main two". Problem is you can't pay with points).

I just picked up my truck three days ago. Finance guy at the dealership already prepared - and eventually sold me, just because it was easy for me to include it with the Ford finance, which I can cancel within 30 days - an ESP from EG Assurance. He said that's the company they work with. Cost me $2200 for 6 years/100K. I know it's more expensive than the others, but as I said - I like the fact that it spread over 60 months and I can cancel, and we agreed that I can think about it/do more research and I have 30 days to cancel.

And here comes the big Q:
I mentioned Flood and Ziegler to him, that they are cheaper than his plan, he said that the difference between EG and the other two is (can't remember the exact words, but I'll try to convey the his explanation):

The other two are Ford plans, owned by Ford, covered by Ford, etc.
EG Assurance is a third party.
So, for example, the dealership may tell me that 'somethng (a part; system; fill in the blank) is not covered because it broke as a result of another part that is not covered', and since Flood and Ziegler are Ford plans they will not honor the repair because of that reason.
Whereas EG not being Ford will cover it because, well - they are not Ford.
Hence why his plan is better.

In short: Since the other two plans are owned and covered by Ford and the truck is maintained in a Ford facility, it will be easier for them to come up with excuses as to what's covered and what's not, unlike a third party ESP.

So my question to you, is there any basis to this claim? Or do the Ford ESPs (Flood, Ziegler, A&K, whoever) really cover for everything?

Thank you.

I hate to tell you this but the only reason your salesperson pushed this third party ESP on you is because it helps the bottom line of the dealership and your salesperson gets a bonus for selling it.

Also, it sounds like you’ve really convinced yourself that this third party ESP is superior to the real Ford backed ESP.

If your dealer can match Ziegler , Flood, or Lombard on the Ford backed ESP then you can still put it in your financing over the 60 months mentioned.

Caveat Emptor.

 

[sbi]

I hate to tell you this but the only reason your salesperson pushed this third party ESP on you is because it helps the bottom line of the dealership and your salesperson gets a bonus for selling it.

Also, it sounds like you’ve really convinced yourself that this third party ESP is superior to the real Ford backed ESP.

If your dealer can match Ziegler , Flood, or Lombard on the Ford backed ESP then you can still put it in your financing over the 60 months mentioned.

Caveat Emptor.

I know that's why he sold it to me, I know how it works. I don't think they sell any other plans, only that one.
I did not convince myself at all that this is a superior plan to the "real" Ford ones. As I said - the reason I purchased it was to include it with my financing and I specifically told him I will research the Ford plans and I may get back to him to cancel (which I did today, btw). That's why I came here to ask about coverage and the likelyhood of the plan denies pay because of whatever reason/excuse.

 

[SonnyDigs]

I know that's why he sold it to me, I know how it works. I don't think they sell any other plans, only that one.
I did not convince myself at all that this is a superior plan to the "real" Ford ones. As I said - the reason I purchased it was to include it with my financing and I specifically told him I will research the Ford plans and I may get back to him to cancel (which I did today, btw). That's why I came here to ask about coverage and the likelyhood of the plan denies pay because of whatever reason/excuse.

I think that was a good decision..

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