Direct Buy Warranty is a complete scam. This company baits you into purchasing their contract via phone, and of course, everthing in writing doesn't support what was claimed. I have had this contract for 1 year now. Today, my water pump wasn't covered on a 2003 BMW although it is leaking antifreeze and I have to keep putting more in. It wasn't covered because "it hasn't completely failed and is only leaking." However, if I don't make the repair out of pocket, then anything related to that water pump, such as my engine blowing is not covered. That is completely a conflict. Either it hasn't failed, or I need to replace it. Thing is, I "need to replace it, " but it isn't going to be covered by direct buy, although in the same token, they're informing me that it needs to be replaced or nothing else will be covered. I contacted Direct Buy and acted as a new contract purchaser. They tell you over the phone, bumper-to-bumper coverage for the platinum elite which I have and I explained the same exact scenario to the sales rep. Low and behold he said of course that would be covered regardless if it's only leaking. Also, sold me on the idea that they cover all shop rates regardless of which shop you go too. However, that's not true either, they only cover the going national rate which is about $65/hr. I purchased elite because of having a BMW and wanting premium coverage. This company is a complete scam, says things over the phone that contradicts your contract and then chastises you for complaining about unfair representation. I have had $1200 worth of items covered, and have paid $3000 out of pocket on a "bumper-to-bumper" elite coverage. This company definitely is alert to the fact of what they're doing and each sales rep and warranty rep is trained to say the exact same thing. I've paid for shop rate difference that they initially said was covered. The closer you get to maxing out coverage, the more difficult it gets to get any type of assistance.
This company needs legal action taken against them as they definitely are aware of their tactics. Try calling a sales rep and see what they say. At any case, I would like all of my out of pocket expenses covered to include this claim. I would like my contract price to be refunded (pro-rated time) and never again deal with this company. Buyers beware and look up all of the reviews on this company before any purchase. Unfortunately, I didn't.
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