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NEVER buy a car in CH without warranty, this is the rules one and only -) repairs at any service stations official or not will cost you load of money. If your warranty is over - extend it or buy a car with warranty. period -)
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How about you set aside the money that COULD be used in case of a costly repair at the moment of purchase instead of buying the warranty? If you need it, it's already budgeted. If you don't, within the car's life in your possession enjoy a nice holiday.
There are very few cars that warranties are really necessary, and people that are in the market for these types of cars usually are not looking for advise on random fora, but on very specific ones.
Also warranties do not cover maintenance. So if you want to propose something along the lines "try to never pay a garage", you might want to propose buying with a comprehensive service plan. That by the way, you again pay, just in advance...
These kinds of blanket statements is what is allowing the garages to be that expensive and f@ck people over.
People pay thousands of francs in premium prices just because a car has MFK that should only worry people buying wrecks or completely disregarded cars (oops, blanket statement). Cars that most normal, risk-avoiding people never even look at. And people pay garages hundreds of francs for pre-MFK inspections that are essentially an invitation to the garage to start charging random stuff "that you need to pass the MFK".
If I wanted to see if I will fail the MFK, I will go to the god damn MFK and pay half as much as the garage would charge, for the people with the stamps to give me a proper list of things to fix. Or you know, I will JUST PASS THE FREAKING TEST because my car is not a public hazard on wheels...
Stop scaring people into buying "services" they don't need, because of the x, y, z anecdotal story about an MFK inspection that required blood from a virgin slain under a red moon to be put in the engine with every oil change...
You want advice? Here's mine, whatever it's worth.
Properly sort your budget, and criteria, look at the market, visit 2-3 cars that you like for whatever reason. Take them to a dealer or garage or the village witch (whatever floats anyone's boat; I don't judge) and ask if anything's wrong with it, and what is reasonably expected to go wrong within 6 or 12 months, along with an expected
cost. Breakdowns can not always be predicted, but scheduled maintenance is- what's the word? Scheduled.
See which of the 2-3 selections is still within your criteria and budget, get the one you like most.
Enjoy your new used car and safe travels
Job done, have a pint, or Miller lite, or tea, or whatever...
And sorry for the mini-rant, but everytime someone mentions the MFK like it's the Inquisition I remember what I see getting driven everyday around me and I get infuriated...