Since you are paying out of pocket, third party coverage typically offers a lot more flexibility with when and where your product is repaired or replaced. This same scenario would be a lot less painful with the addition of a retailer warranty. Depending on your platform, you might not even have an integrated GPU to fall back on while you wait, either leaving you without a functioning PC, or leaving you with the additional cost of a temporary dedicated card. You are now stuck without a gaming PC while you wait for the manufacturer to receive your GPU, determine the cause of the dead fan, and ship a replacement (as long as it’s defective). You may even have to pay for the shipping costs, and you certainly won’t have a replacement product shipped to you beforehand. You submit an RMA claim with the manufacturer and are told when and where you need to ship your broken video card. What happens if you have to rely on the factory warranty? You see that the fan is still connected and determine that your card needs to be repaired or replaced. You are several hours into an intense gaming session and suddenly your GPU’s fan stops working and your card begins to overheat. Let me lay down a typical RMA-return merchandise authorization-scenario for you.
There are a lot of misconceptions about what retailer warranties cover and how they stack up against factory warranties. This service can be worth paying for when buying any computer component as long as you adjust your expectations accordingly. Retailers like Newegg, offer additional coverage that can be more convenient than the manufacturer’s, but it comes at a price. Hardware producers add all sorts of disclaimers in their warranties that could potentially void any claim and leave you with an expensive repair. All reputable manufacturers warranty their products from defects for a period of time, but what qualifies as a “defect” can vary with every product.
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