Xcare vs RivianCare (Now available in 48 States)

[jeeden]

Have people seen this on reddit? Sounds like 2 years on the repairs from Rivian? If so I feel like this is a lock for the Rivian Care. Of course, I don't see that in writing anywhere like the xcare promise...

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[diabolik]

Have people seen this on reddit? Sounds like 2 years on the repairs from Rivian? If so I feel like this is a lock for the Rivian Care. Of course, I don't see that in writing anywhere like the xcare promise...

There has been talk about Rivian repair warranty on replaced components on a few of these threads. I would think it would not matter who paid for the repair (Assurant <RivianCare> or Endurance <XCare>) as the repair itself should be warrantied as long as you had it done by Rivian at a SC. I do not think they would care who paid for the repair...

As far as how long the repaired component is covered? I have not seen anything official about that...

 

[godfodder0901]

Have people seen this on reddit? Sounds like 2 years on the repairs from Rivian? If so I feel like this is a lock for the Rivian Care. Of course, I don't see that in writing anywhere like the xcare promise...

There has been talk about Rivian repair warranty on replaced components on a few of these threads. I would think it would not matter who paid for the repair (Assurant <RivianCare> or Endurance <XCare>) as the repair itself should be warrantied as long as you had it done by Rivian at a SC. I do not think they would care who paid for the repair...

As far as how long the repaired component is covered? I have not seen anything official about that...

It doesn't matter who paid for it (as long as it wasn't Rivian under warranty, that is), the 2-year warranty applies. Look at the fine print in any of your previous invoices, it's there.

 

[diabolik]

You would think that would make it easier for Xcare and RivianCare to drop the one component/one coverage limit.

 

[Egen]

Quick update...the more I think about it, the "trust us" approach of Xcare for the limit changes is not good for me. I have asked the rep if they are prepared to issue addendums or riders when they issue the agreement that spells out the changes they are making.

That was yesterday. I have not heard back yet. I will update when they respond.

anything further from the rep?

 

[diabolik]

Nope. Radio silence.

Like others have theorized, I am sure we will see the updated agreement from Xcare at the same time as their price increases. Someone was told that the increases should be in the 10% range. If that’s the case, I think it may still be worth it to go with Xcare over RivianCare.

While RivianCare does give you the one time wear and tear items replacement, including an alignment, I still think the one component/one coverage limitation is a deal breaker if another provider is rescinding it. You would think Rivian would be less weary of repeat breakdowns for the same component especially since they are already covering that components replacement for two years after its replaced (if the service was done by Rivian.)

 

[bjcleaver]

I have a 2022 R1T Quad Large with 55,900 miles, so my standard 5 year/60k mile warranty is ending soon. I scheduled a mobile service for next week to do a comprehensive inspection to uncover any potential issues while still covered. I hope to keep the truck for a few more years, maybe many more if it continues to hold up well. Lots of 1st Gen gremlins during ownership but thankfully no major issues.
I received the email on August 5th introducing Rivian Care and priced out all the different term/deductible configurations for the vehicle service contract (not the vehicle protection, but I may look at that as well.)

Claude thinks 6 years with a $500 deductible is the sweet spot for me based on repair history and driving habits but with a few caveats, particularly around cancellation and aggregate limits. Does anyone who has signed up for Rivian Care and has the actual policy documents know:

• Is there an aggregate payout limit on the contract? I believe I saw this mentioned in an earlier post
• Is there a per-claim limit separate from any aggregate limit? Up to vehicle value?
• Is the deductible per visit or per repair? I assume per visit but...
• Does the policy state the transfer fee if transferring to a new owner?
• If you cancel after 30 days is there any kind of prorated refund?
• If I have ~4 months left on my factory warranty, I'll have a little overlap but wear & tear items would be covered immediately, correct?
• And for the battery/drivetrain (a concern with mine being a Quad), the Rivian Care would extend it out to however many years I add on or 200,000 miles?

 

[jeeden]

Some quick answers based on my documents. I did get an assist from AI to summarize instead of me copying and pasting from the doc directly....

• Is there an aggregate payout limit on the contract? Yes. Under Section VIII. General Provisions, sub-section #4 (Limit of Liability), the aggregate claim limit states that the total of all benefits paid or payable during the service contract term shall not exceed the Vehicle Purchase Price shown on the Information Schedule.
• Is there a per-claim limit separate from any aggregate limit? Up to vehicle value? Yes. Under Section VIII. General Provisions, sub-section #4 (Limit of Liability), the single claim limit states that the cost to repair or replace any covered breakdown shall not exceed the average retail value of your vehicle as determined by the NADA Official Used Car Guide at the time immediately prior to the loss.
• Is the deductible per visit or per repair? It is per visit. Under Section I (Key Terms), the deductible is defined as the amount you must pay "per visit" for covered repairs
• Does the policy state the transfer fee if transferring to a new owner? Yes. Under Section VIII. General Provisions, sub-section #7 (How This Service Contract May Be Transferred), a $50 transfer fee is required to be made payable to the Administrator alongside a completed transfer request form and the bill of sale within 30 days of the sale. (Note: State amendments, such as for Florida, may modify this fee).
• If you cancel after 30 days is there any kind of prorated refund? Yes. Under Section VIII. General Provisions, sub-section #8 (How This Service Contract May Be Canceled), if you cancel after 60 days (or within the first 60 days if a claim has been incurred), you receive a pro-rata refund of the unused days within the term months, less any claims paid.
• If I have ~4 months left on my factory warranty, I'll have a little overlap but wear & tear items would be covered immediately, correct? Yes. The service contract runs concurrent with and secondary to any applicable warranty, but Schedule 1 (Covered Parts, Section B: Wear and Tear Coverage) explicitly states that listed wear and tear components (such as specific brake pads, headlamp bulbs, hoses, wiper blades, and fuses/light bulbs) are covered from the start of the plan
• And for the battery/drivetrain..., does the Rivian Care extend it out to however many years I add on or 200,000 miles? Under Schedule 1 (Covered Parts, Section A: Premium Plus Coverage Plan - Traction Battery Breakdown/Performance Coverage), traction battery coverage will no longer be in effect once your vehicle's odometer exceeds 200,000 miles, while the overall service contract term length is determined by the Term Months selected on your Information Schedule (up to the expiration date).

I will add that the transfer fee is less than other manufacturer fees I know like Ford and was a major selling point for us to max out the years. It is a lot easier to sell a car to someone if it has a transferable warranty for some time after they purchase.

I also like the per visit deductible so you can "Save up" a couple of things and get them taken care of together. This is similar to Ford as well.

 

[bjcleaver]

Some quick answers based on my documents. I did get an assist from AI to summarize instead of me copying and pasting from the doc directly....

I will add that the transfer fee is less than other manufacturer fees I know like Ford and was a major selling point for us to max out the years. It is a lot easier to sell a car to someone if it has a transferable warranty for some time after they purchase.

I also like the per visit deductible so you can "Save up" a couple of things and get them taken care of together. This is similar to Ford as well.

Appreciate the quick reply and good point about saving up repairs. What term/deductible did you go with? I assume you are up there in miles.

 

[jeeden]

Appreciate the quick reply and good point about saving up repairs. What term/deductible did you go with? I assume you are up there in miles.

37k miles here so actually pretty low. Went with max time (7 years) and max deductible (1k) for about $5400 after tax.

 

[diabolik]

@jeeden is spot on.

The aggregate and per claim limits are the best currently available. Having said that, Xcare is supposedly working on reverting their agreement to the same limits, putting them on equal footing.

The biggest thing to understand with RivianCare is it currently only covers a breakdown on a component one time. Meaning if they replace the front driver side dampener it will no longer be covered by RivianCare. Rivian itself (if they did the replacement) will cover a faulty replaced component for 2 years from when it was replaced. I am not a fan of this limit and, again, Xcare is supposedly working on reverting the same language to delete the one component/one coverage limit.

RivianCare does cover, as you noted, a select few wear and tear items for a one time replacement. This is not currently offered with Xcare.

Finally, on deductibles, I would seriously look at the $250 deductible if you go with RivianCare. Based on my experiences, I think you would come out ahead in the long run. I would stay away from $0 deductible with RivianCare as it gets crazy expensive. With Xcare I am contemplating a $0 deductible but they do not bend you over as bad as RivianCare on it.

I am currently waiting to see when/if Xcare updates their agreement. That’s how I am currently leaning. If they do not get it together by the time my warranty is close to expiring, I will go with RivianCare.

Just my $.02

 

[bjcleaver]

The email I received from RivianCare said "Please enroll in Rivian Care by October 1, 2026 to secure your eligibility." This will give me some time to see if I can get any preexisting issues handled, but it seems like an arbitrary deadline?

Unless I'm understanding it incorrectly, the aggregate and per claim limits make the extended battery coverage not worth much at least for my 2022 R1T given my annual driving mileage. I can see a 8-10 year old R1T being worth less than the cost of a battery replacement (plus any repairs made during that time.) I assume they could source a remanufactured pack or maybe battery costs come down by then, but that seems like a limiting factor on doing a 6 year term. Then again, if the truck is only worth $19k in 2031 and needs a new battery, maybe it's time for a new truck anyway.

The one-time per component replacement limit kind of turns this coverage into a book of one-time use vouchers, but at least Rivian will warrant it for 2 years (even if Assurant directs them to use a remanufactured part?) The suspension makes me the most nervous in this regard.

Claude AI now strongly feels the 3 year, $500 deductible is the best deal for me (I would need about 5 claims at the $250 deductible to even out.) It initially recommended 6 years until it learned about the aggregate and per-claim caps. Happy to share/post its thought process if anyone is interested. Hopefully it gave me a good analysis and not a hallucination.

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