I'll throw in my experience with Mercury warranty just recently. I have the platinum coverage with electronics, which basically covers everything.
First my HVAC controls started malfunctioning. Repair and replacement was fully covered. Awesome. Repair costs totaled t to $1100. Paid $100 deductible.
Second, my steering is making loud moaning noises at low speeds. I took it to the dealer and they said my steering rack was failing. Cost came out to $1300 for replacement just for part. Mercury said they will only cover $600, because that is the cost of an aftermarket steering rack for my car and that they can supply it. Otherwise, I have to pay the difference if I wanted genuine OEM. (All labor costs are covered by Mercury)
Well, I refused the work, since I wanted to get more opinions. I don't even know why I took it to the dealer in the first place...maybe because I thought everything was covered. And I didn't feel comfortable putting an aftermarket steering rack into my car. Need to find out if my steering rack is really failing. I know steering racks are kind of touchy subject even with factory warranty. Lost $155 for diagnostic fee too.
So something I learned...if Mercury has aftermarket parts on hand that can be used instead of genuine OEM, they will only cover up to the value of that aftermarket part. Kind of ironic that they do not cover aftermarket parts but suggest using them for repairs.
Anyone have info if these aftermarket OEM replacement parts are good to use? I don't think there are too many, but damn...an aftermarket steering rack for a 6 series? Didn't know they exist for a car like this!
Forgot to add, I paid $2300 for full coverage including electronics, 7 years / 100,000 miles. It was low due to low miles. They do cover all labor, so take advantage of that I guess. That's big money there so I do still save a lot.
Last edited by euhysh; 01-09-2013 at 08:33 PM.