DO NOT PURCHASE OLIVE SERVICE AGREEMENTS

[Riptide_JLU]

This is my experience with a 3rd party service agreement company called Olive (Olive.com). I purchased their service agreement the same day I purchased my 2021 Wrangler Unlimited Sport S with 45k miles almost 3 years ago. I’ve taken very good care of my rig and have had no issues until a couple months ago when I found what looked like an axle seal leaking from the rear axle on the passenger side. Not a bad leak, but apparent from grease/oil seen on the brake dust shield and on the inner wheel. Finally brought it in to have the seal replaced and was advised the limited slip differential clutch plates were bad and coming apart. The shop contacted Olive on a Weds morning and was told an inspector would come out in 2 days to look at it. No inspector showed on Friday so the shop contacted Olive who said they would be in contact. Olive contacted the shop Monday morning to advise they would not cover the repair since I had modified my Jeep (Xtreme Recon springs and shocks to allow for 35” tires on 17” Dirty Life DT-1 wheels with -12MM offset w/Mickey Thompson Baja Legend MTZ tires, SteerSmarts front and rear track bars and Apex AutoLYNX sway bar disconnects). A few other items also thrown in, but all quality products from top parts companies. Yes, the suspension was modified and larger tires installed but nothing extreme. While researching the LSD for Jeeps, I found that they frequently fail before reaching 100k miles (I am currently at 86k) but have not experienced any noise or problem with the rear end since modifying the suspension. The owner of the shop even said he was certain the modifications did not cause the failure. I have seen many times where others have said that the service agreement company would need to prove the failure was caused by the modifications. In my case that was not true. I even argued the point with them that the shop owner with years of experience agreed that the suspension did not cause the failure. So my goal is just to warn others first against using Olive.com, but this likely has happened to others who have purchased service agreements from the many other companies out there. If you plan on keeping your Jeep stock, and only use OEM parts that came installed on your Jeep when it came off the assembly line, then you won’t have a problem. But even a change from 31 1/2 inch tires to 33” tires or different shocks would likely void your warranty or extended service agreement. Like I said at the start, it’s just my experience. Maybe others can chime in with their experience with modified Wranglers to help others who search for this type of information.

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[The Last Cowboy]

Sadly, even most Jeep dealers would have denied it under factory warranty.

And better advice is to never buy any kind of extended warranty or service contract, especially from a third party.

 

[Roky]

Olive contacted the shop Monday morning to advise they would not cover the repair since I had modified my Jeep (Xtreme Recon springs and shocks to allow for 35” tires on 17” Dirty Life DT-1 wheels with -12MM offset w/Mickey Thompson Baja Legend MTZ tires, SteerSmarts front and rear track bars and Apex AutoLYNX sway bar disconnects).

Is there any mention of modifications in your warranty agreement ? I’m assuming that it’s embedded in there somewhere….. I work on a lot of Jeeps, and the first thing I make sure people know is that , if you install this lift, etc…, be prepared to pay outta pocket for repairs that can be blamed on the modification…..You’d be surprised how many people say “wait, what?🫤

 

[Badunit]

The primary purpose of insurance is to make money for the insurance company. That is their business. Paying out claims is counter to that. Any excuse to turn you down will be used. Sometimes if you fight hard enough they will relent and pay out, because they know they owe you, but they hope you'll give up first.

 

[James Westfall]

You should generally assume that if you mod the suspension with any aftermarket parts, any suspension and axle/diff issues are going to be tough to get covered. You can try to challenge it but you are probably going to need a lawyer.

That said, I would never own a current Jeep product out of warranty. That's a really bad bet. I've put MaxCare on all four of the JLs i've owned and it saved me a pile of money on every single one. Never considered a third party product because they are always hit and miss and MaxCare isn't really any more expensive.

 

[Terrymo]

I started knowingly voiding my warranty from day one of ownership. I accept the fact that I am lucky if I get warranty coverage after doing mods even if they are only remotely related to the problem. I blew my radiator off-road after adding a 3.5 inch lift and 37s. A dealership with a reputation for poor customer service replaced the radiator under warranty without question. I’d say that is probably the only lucky break I will get.

 

[Deen]

You have some confusion between warranty and service contract. An extended warranty can only be sold by the vehicle manufacturer, although even the Mopar one is a servicenpolicy as stated in the contract. A service contract can be sold by almost anyone.
The Moss- Magnusson act is where it's stated the warranty co must prove that a modification caused the failure and it's only for a factory warranty, which you don't have.
Most service contracts limit you to arbitration in case of a dispute so you probably can't sue them.

 

[Twisted10]

I started knowingly voiding my warranty from day one of ownership. I accept the fact that I am lucky if I get warranty coverage after doing mods even if they are only remotely related to the problem. I blew my radiator off-road after adding a 3.5 inch lift and 37s. A dealership with a reputation for poor customer service replaced the radiator under warranty without question. I’d say that is probably the only lucky break I will get.

same. i deleted my truck at 9k miles. lifted jeep at 7k miles.

 

[Terrymo]

same. i deleted my truck at 9k miles. lifted jeep at 7k miles.

You run with scissors too I bet!

 

[jadmt]

You should generally assume that if you mod the suspension with any aftermarket parts, any suspension and axle/diff issues are going to be tough to get covered. You can try to challenge it but you are probably going to need a lawyer.

That said, I would never own a current Jeep product out of warranty. That's a really bad bet. I've put MaxCare on all four of the JLs i've owned and it saved me a pile of money on every single one. Never considered a third party product because they are always hit and miss and MaxCare isn't really any more expensive.

and even Maxcare (now called flexcare)will not cover you if you are lifted and have bigger tires other than a dealer installed mopar lift at the time of purchase.....

 

[doc_riverz]

This is my experience with a 3rd party service agreement company called Olive (Olive.com). I purchased their service agreement the same day I purchased my 2021 Wrangler Unlimited Sport S with 45k miles almost 3 years ago. I’ve taken very good care of my rig and have had no issues until a couple months ago when I found what looked like an axle seal leaking from the rear axle on the passenger side. Not a bad leak, but apparent from grease/oil seen on the brake dust shield and on the inner wheel. Finally brought it in to have the seal replaced and was advised the limited slip differential clutch plates were bad and coming apart. The shop contacted Olive on a Weds morning and was told an inspector would come out in 2 days to look at it. No inspector showed on Friday so the shop contacted Olive who said they would be in contact. Olive contacted the shop Monday morning to advise they would not cover the repair since I had modified my Jeep (Xtreme Recon springs and shocks to allow for 35” tires on 17” Dirty Life DT-1 wheels with -12MM offset w/Mickey Thompson Baja Legend MTZ tires, SteerSmarts front and rear track bars and Apex AutoLYNX sway bar disconnects). A few other items also thrown in, but all quality products from top parts companies. Yes, the suspension was modified and larger tires installed but nothing extreme. While researching the LSD for Jeeps, I found that they frequently fail before reaching 100k miles (I am currently at 86k) but have not experienced any noise or problem with the rear end since modifying the suspension. The owner of the shop even said he was certain the modifications did not cause the failure. I have seen many times where others have said that the service agreement company would need to prove the failure was caused by the modifications. In my case that was not true. I even argued the point with them that the shop owner with years of experience agreed that the suspension did not cause the failure. So my goal is just to warn others first against using Olive.com, but this likely has happened to others who have purchased service agreements from the many other companies out there. If you plan on keeping your Jeep stock, and only use OEM parts that came installed on your Jeep when it came off the assembly line, then you won’t have a problem. But even a change from 31 1/2 inch tires to 33” tires or different shocks would likely void your warranty or extended service agreement. Like I said at the start, it’s just my experience. Maybe others can chime in with their experience with modified Wranglers to help others who search for this type of information.

If you must purchase an extended warrantee or service contract get it from the OEM. Aftermarket insurance companies exist to screw over their customers. It’s their business model. (I was a master tech in dealerships.)

 

[James Westfall]

and even Maxcare (now called flexcare)will not cover you if you are lifted and have bigger tires other than a dealer installed mopar lift at the time of purchase.....

They PROBABLY won't cover suspension and axle issues, yes. However engine and electronics issues are unrelated (in the vast majority of cases) and should be covered.

 

[jadmt]

They PROBABLY won't cover suspension and axle issues, yes. However engine and electronics issues are unrelated (in the vast majority of cases) and should be covered.

not according to Granger, Chrysler warranty direct, Gupton or the other big seller that slips my mind on here have stated...they have clearly stated a lift other than a mopar lift installed at time of purchase by the dealership will void drivetrain warranty...I wish it were not true but they are the big sellers of maxcare/flexcare and that is what they have stipulated.....the sad thing is this information is not readily obvious so many buy it and have lifts with no idea they will not be covered....if you don't believe me ask @Zach@Granger as i asked him directly and he verified it..

 

[James Westfall]

not according to Granger, Chrysler warranty direct, Gupton or the other big seller that slips my mind on here have stated...they have clearly stated a lift other than a mopar lift installed at time of purchase by the dealership will void drivetrain warranty...I wish it were not true but they are the big sellers of maxcare/flexcare and that is what they have stipulated.....the sad thing is this information is not readily obvious so many buy it and have lifts with no idea they will not be covered....if you don't believe me ask @Zach@Granger as i asked him directly and he verified it..

It's not up to them. It's like the "we are not responsible for your stuff" warnings at roller coasters. They can't just declare their own laws. If a roller coaster operator forces you to leave your personal property in their possession, they are responsible, period. That's the law. Similarly, a dealer or manufacturer cannot just use arbitrary modifications to release them from liability. There has to be a documented troubleshooting and diagnostic process that shows that the modification caused the issue. Thus, if you have a 4" aftermarket lift and 37's, you are probably going to be denied coverage for axle and diff issues. But they can't use that to deny coverage for broken rockers or a warped head caused by loose water pump bolts that allowed all the coolant to dump out.

Corporations like to give consumers the impression that they have their own laws just because you signed a document they created. But the law doesn't work that way. If they want to create their own laws, they've got to buy a politician and do it the right way.

 

[NWJeepr]

What do the policies/terms of the contract state? If modifications void parts of the coverage, or the contract entirely, then you're out of luck. It doesn't matter if the modifications didn't cause the failure, what matters is what is spelled out in the contract.

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