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Author Topic: Ford ESP deductible which one?  (Read 185 times)

SMR

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Ford ESP deductible which one?
« on: June 14, 2017, 03:37:10 PM »
Hi
I've decided to get the Ford ESP warranty on my truck - just not sure which deductible to get.
100
 50.00 deductible is 195 more than the 100
 0.00 deductible is 595 more than the 100

going to get the 8 year 125000 mile one

any thoughts?

thanks- Steve
Gonna put the world away for a minute......
Steve
2016 Bighorn 3760 EL
2015 Ford F350
me, DW and our 2 dogs

grashley

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  • Western KY for now.
Re: Ford ESP deductible which one?
« Reply #1 on: June 14, 2017, 05:22:39 PM »
Simple math says you need to use the warranty 4 times  to save money with the $50 deductible.  You need 6 uses to save money on the NO deductible policy.  How many EXTENDED ESP warranty use do you anticipate?
Preacher Gordon
09 Grand Junction 35 TMS - not yet received
2013 F350 Lariat LB SRW Supercab diesel 4X4
Nimrod Series 70 popup (sold)
It's not a dumb question if you do not know the answer.

Gary RV_Wizard

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Re: Ford ESP deductible which one?
« Reply #2 on: June 15, 2017, 09:11:37 AM »
I would choose the $100 deductible, on the assumption that I will probably have few, if any, claims. I consider these policies to be insurance against major problems, not something to pay for routine repairs.

if I thought I was going to be making enough claims that a low or zero deductible was of value, I would buy a different truck.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

glen54737

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  • My camping buddy
Re: Ford ESP deductible which one?
« Reply #3 on: June 15, 2017, 11:47:56 AM »
I agree with gary I had a 2011 the first year of the model and used  the ESP  3 times before it ran out covered the repairs and it's cost.
2018 Thor Miramar 35.2
2015 F-350 CC short box 6.7l 3.55 axle
2015 Alpine 3510RE-sold

Glen,Nene
Mickey & Jayco (yorkies)

SMR

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Re: Ford ESP deductible which one?
« Reply #4 on: June 15, 2017, 12:58:13 PM »
thanks for the info- think I will go with the 50.00- hopefully I will never use it. I like the idea of the peace of mind. I know nothing about working on vehicles. maybe replace a bulb or wipers and very minor items.
Gonna put the world away for a minute......
Steve
2016 Bighorn 3760 EL
2015 Ford F350
me, DW and our 2 dogs

Gary RV_Wizard

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Re: Ford ESP deductible which one?
« Reply #5 on: June 16, 2017, 10:45:45 AM »
The key is whether the ESP actually covers the items you need to have repaired. Normal wear & tear repairs (brake pads, wiper blades, battery, etc) and routine maintenance (oil changes) generally are not covered, so you pay for them anyway. Unexpected repairs like alternator failures or engine problems will be covered, so with a $50 deductible vs $100 you save $50 each time. If you save $50 3x times and paid $150 more for the policy, you broke even. If you paid $200 more for the policy, you lost.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

 

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