XCare Extended Warranty on Rivian: My Full Claim Experience (And Outcome)

[TollKeeper]

X-Cares Response to that came in pretty quickly:

I get the pushback, but that's not how contracts work. They aren't frozen at signing. A company's own statements and conduct after the fact can modify, waive, or add to the deal. And this wasn't some random person on a forum sharing an opinion, it's XCare's Founder and CEO publicly announcing how the company will handle claims for anyone who purchased coverage on or after November 1, 2025.

On the "hearsay" point: hearsay is a rule about what evidence gets admitted in court. It has nothing to do with whether a statement carries legal effect. When an executive speaks publicly on behalf of the company, that statement can come into evidence and carry real legal weight. But the bigger point is simpler than that: XCare made an official public commitment, and customers are entitled to rely on it.

We stand behind that commitment and will administer eligible claims consistent with our CEO's public statement.

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[cohall]

Anyone can post with any alias they choose on a forum. Could it be the CEO? Sure. Could it be some dude name Mitch living in his mom’s basement? Yep.

No way in hell a forum post stands up against a signed document in contract law. There’s a reason they’re not updating the contract language to reflect the new stance.

 

[TollKeeper]

Exactly my thought..

 

[rogunenode]

No bueno imo. However, it sounds like they do intend to change the contract language. Whether that happens, and how long it takes if it does, will be telling.

 

[TollKeeper]

There is some rumor they are going to be raising the prices...

My bet is the "New" contract will come out with the roll out of new prices.

 

[Mark_AZR1T]

That additional line item must be new. My contract does not state that there is no further coverage on a replaced component....... It has worked out for me already as I have had over $14k in claims so far. Damper, half shafts, tonneau cover, just to name a few.

My contract is identical.....thank goodness.....

 

[mkhuffman]

Exactly my thought..

What if you crossed out the new section and they sign/execute that version? Then there is no doubt it is binding.

If they won't agree to do that, I wouldn't trust the "CEO promise".

 

[TollKeeper]

What if you crossed out the new section and they sign/execute that version? Then there is no doubt it is binding.

If they won't agree to do that, I wouldn't trust the "CEO promise".

I would think the signature would be on a digital file, no real way to cross it out.

 

[TTedP]

There is some rumor they are going to be raising the prices...

My bet is the "New" contract will come out with the roll out of new prices.

I emailed them on a quote last week asking how much to expect if I wait. "up to 10%" they said.

I was going to go with them until Rivian Care expanded this week. Waiting a bit for now.

 

[Mousetrap]

I emailed them on a quote last week asking how much to expect if I wait. "up to 10%" they said.

I was going to go with them until Rivian Care expanded this week. Waiting a bit for now.

I'm thinking at this moment that if I wait 6-9 months until I'm closer to the end of my original warranty, I figure I'll get enough of an extension in the end date to justify the 10% increase as long as it has the original language about coverage at that point.

Regardless, thank you all for the follow-ups and posting your comms with the company!

 

[mkhuffman]

I would think the signature would be on a digital file, no real way to cross it out.

Print it out, mark it up, sign it, scan it and email it them to execute?

 

[TollKeeper]

Print it out, mark it up, sign it, scan it and email it them to execute?

If they will accept it, maybe...

 

[jshaff]

i reached out to them over email this morning and recieved this:

 

[Parsival]

i reached out to them over email this morning and recieved this:

It's nice they are putting this in writing. I hope they just send out an email to all of their clients post november 2025. I will e-mail them just to get this in writing for myself. XCARE sounds like they want to keep our business. I won't be putting my contract to the text until Jan. 2028.

 

[diabolik]

Number 5 is very interesting to me...while I am intrigued that they are back peddling on the one and done language it was the same as in RivianCare. That made it a neutral item for comparison but now (we will see) it appears it's a positive in Xcare's favor. What had me spooked with the Xcare product was the aggregate limit. This could be a very bad deal for coverage. In RivianCare, the per claim limit is the current trade in value and the aggregate limit is the original price of the vehicle. I could live with those terms...In Xcares current agreement the per claim limit was the aggregate of all prior paid and pending claims against the current trade in value. This could be catastrophic to your coverage term. As the vehicles value is constantly declining and the cost of repairs will theoretically be increasing as the vehicle ages, those two lines will cross on a graph at some point in the future and I would wager sometime before the end of your time or mileage term. That's not even taking into account if something happens with Rivian and they do not make it as a company and the resale value of the vehicles plummet. You could be left with a plan that ends very short of your expected term.

Does anyone know what the original, more favorable aggregate limit language they are referring to? If they resolve these two issues, the Xcare product becomes much more interesting to me...

UPDATE: Thank you to @DeanB1452 for posting the original agreement. It appears it is very much in line with the limits of the RivianCare product and much more palatable.

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