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As posted previously, I purchased a 2019 Sportsman 570. At time of purchase, I passed on the extended warranty, because the insurance company hadnt reimbursed me for my stolen ATV. Insurance company came through with a bit more than I expected on reimbursement. I have now been wondering about the extended warranty. At the time of purchase, they offered it to me at about 750.00 for an additional 4 years of warranty. I contacted the dealer today, and they will still honor that price. I have purchased "extended warranties" on other things, and never used them, so I felt like I wasted money. Is there enough evidence out there to warrant such a purchase?
 

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Due to the type of use the vehicle is subject to, the extended warranty might be a good investment, but before you spring for it, consider that what you are actually buying is an insurance policy. It has nothing to do with warranty and any claims made are with the insurer and not the dealer or the manufacturer. Get a copy of the policy and read it - pay particular attention to the exclusions (what is not covered). Like all insurance policies, some are better than others. If you know someone who had an extended warranty and they were happy with it, try to find out who issued the policy and where they got it. You may be able to get the same policy, but it may not be from the dealer you purchased the vehicle from.
 

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Funny you ask!!!!!!! My wife was just going through some papers and she finds our Polaris extended warranty application. She read the terms and prices to me after about 30 seconds of thought I said we don't need it. I trust the product I bought enough to decline any extension of warranties. My 800 has been an awesome machine and the 570 looks to be an even better one. Hey shit happens and I could get caught with my pants down but like I said Polaris makes a great product I'm not worried about it.
 

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That's kind of what I thought. I bought a Polaris because of the perceived quality and reputation. My last one lasted 14 years until it was stolen. Other than fluid changes, batteries, new tires, it really didnt require much. The SOB who stole it got a new battery, tires, brake pads and fluid change! My buddy has a 2014 Ranger that he has put through hell and back. It has been worked hard, and like his son in law says, he's licked all the good off it a long time ago! It's been worked on a few times, but still goes strong. I figure I can put the $750.00 to good use somewhere else.
 

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Those warranties are a crap shoot. If you got a lemon bike it may pay off. For one thing, it is 4 years from when you bought the bike new. If the bike had a 1-year warranty then the extended is only for 3 years. I'm 77 years old and have never bought anything that I would have come out ahead if I bought the extended. If the people that are selling the warranty were losing money they would go out of business. Every time the seller comes up with an extended warranty take the money and put it in the bank. You are the one that will come out ahead in the long run.
 

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When we bought my wife's 2019 model we passed on the extended warranty and today we got an offer from Polaris for a warranty extension of 54 months for $700 with the term beginning at the expiration of the manufacturers warranty. That's 5 years of warranty. If I hadn't gotten this offer I would have never thought about it but now I'm on the fence.
 

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my 2017 450 had an extended warranty and it covered the replacement of the voltage regulator (common problem).
One think I did learn with the extended warranty , is that there is a $50 deductible for each issue. So if you have 3 issues and have them fixed on the same day, it will cost $150.
they are a crapshoot. There is alot of profit and commissions in extended warranties.
 

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When we bought our 14 550 touring in March 2015 we bought the 4 year extended warranty,was about $1500 CAD.We were told if we didn't use it,when could get the money back.Will be calling them next week.
 

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I bought it due to the complexity of electronics and the drive system
Old school bikes I could fix. Not so sure now.
 

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I have the 2017 sportsman 1000 and I got the extended warranty just because the machine is expensive enough, I didn't want to spend more to fix it if something ever happened.
1 thing I have figured out over the years is, Everything is negotiable, they wanted almost a 1000 dollars for the 5 year warranty, I talked it down to 600.
To me its just a good piece of mind, if I never use it OK but if I need it its there.
 

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I just got a 2019 sportsman 850SP. It came with a 6 month warranty from factory and for $750 I got an extended 54 months after the 6 month factory is up so in total 5 years of coverage. To me this is an insurance policy. Mine has a $0 deductible. I am ending up paying $14 a month for piece of mind so in my opinion well worth it even if I don’t have to use it.
 

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Yes - extended warranties are insurance policies

How many times in 5 years do you expect to spend $750 for a repair? Read the policy carefully - if you fail to comply with the 'guidelines' it may not cover the repair. If the damage is due to negligence, failure to maintain as scheduled, failure to have maintenance performed by an authorized dealer, failure to use genuine Polaris parts at maintenance intervals and of course normal wear items may not be covered depending on the underwriter of the policy.

I have never bought an 'extended warranty', but I do carry full coverage insurance on all my vehicles including my race bikes. (Yes full coverage insurance is available for off road and race vehicles). Insurance companies are playing the numbers and if extended warranties were money losing ventures, they wouldn't sell it. Maybe you are the one out of a hundred who would benefit from an extended warranty, but for the diligent owner who does not abuse his vehicle and maintains it properly, it is generally a waste of money.

I have a 97 Ford F150 with 200,000 miles on it that I bought 7 years ago for $3000 - the oil and filter is changed every 3000 miles - I use the cheapest 5w30 mineral oil I can get, but try to use the same oil at every change - it has been repaired numerous times, but nothing an extended warranty would cover. In the last 7 years it got a radiator, alternator, battery, 6 tires, front brakes twice, new front rotors, new stabilizer links, one upper ball joint and new brake lines. I was offered a two year 'extended warranty' for $1200 and declined. I have spent less than $700 in repairs in 7 years and harvested one 9 point buck deer and I'm still driving it daily and haul with it regularly.

So, for me, extended warranties are a waste of money. To each his own.
 

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I have the 2017 sportsman 1000 and I got the extended warranty just because the machine is expensive enough, I didn't want to spend more to fix it if something ever happened.
1 thing I have figured out over the years is, Everything is negotiable, they wanted almost a 1000 dollars for the 5 year warranty, I talked it down to 600.
To me its just a good piece of mind, if I never use it OK but if I need it its there.


In 1974 I took up housekeeping and bought a dishwasher, clothes washer, dryer, TV, microwave. They all pestered me to take out their extended warranty. The total was over $500. With that money, I could have replaced any one of the appliances. All of the applances out lived the extended warrants offered. I saved $500.
 

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I don't do "warranties" of any kind on anything ever. You're betting money that the machine will have a catastrophic failure and only hoping they will cover it when you make a claim. No thank you!
I'll keep my money and bet I DON'T have a catastrophic failure. I'll fix whatever breaks myself since they likely wouldn't cover it anyway.
Basically, you're paying for a piece of paper to make yourself FEEL better.
Just like the casino, the odds of you getting your money's worth are miniscule. That's why they push them so hard. Its free money in their pocket with very little risk.
 

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I look at them like a crap shoot and the warranty company is the casino. If more people then not were ending up using their warranties for more then they paid for them then the companies would be loosing money and raise the price. The fact that they sell them for that amount tells me that on average you don't get your money back. You could buy one and need it two months later but more often then not that does not happen.
 
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