FAQ

We address the questions many of our customers ask here, but feel free to contact us with any additional questions.

Where are the contracts honored? You may take your vehicle to the licensed repair facility of your choice in the U.S. or Canada. A reputable licensed repair facility is one which has the commitment to repair your vehicle properly and will usually have ASE certified mechanics.

How is a claim paid, and what is the claim process? We will pay the repair facility direct by company credit card; you do not need to pay for covered repairs up front and wait to be reimbursed. When your vehicle breaks down and you need service: Simply bring the vehicle to any licensed service facility The service manager will determine the type of repairs necessary, then call the number of our Contract Administrator's office (provided in your service contract booklet) to receive repair authorization. After obtaining authorization and an authorization number, the service facility will repair your vehicle. When the repairs are complete, the service facility will fax our Administrator's office the completed, authorized repair order signed by the customer. Our Administrator's office will then pay the service facility the authorized amount with company credit cards.

What if my dealership or mechanic won't accept your payment? Once they find out that we pay retail (based upon Chilton's, Mitchell's, or other industry pricing guides) for parts and labor, and pay by company credit card, most dealerships and repair shops want all the business we can send them. Our Customer Service Consultants will gladly contact facilities for you to explain our payment method.

How does your contract differ from others? Our service contracts have no wear and tear exclusions. Simply stated, if a listed component breaks or wears out beyond the manufacturer's specifications, it is covered, and you are protected. You're getting better coverage at a better price. Also, for New Vehicles (still under factory warranty), the term of coverage expires according to the time and/or mileage of the plan selected, whichever occurs first. For example, if you purchase a 5 year / 100,000 mile vehicle service contract today, it will expire 5 years from today, or when the vehicle's odometer reaches 100,000 miles, whichever occurs first. This will give you more time than with other vehicle service contracts, which determine expiration based upon the vehicle's in-service date.

Does each component repaired require a deductible? Only one deductible per repair visit is required, no matter how many repairs were performed in that visit. There is also a $0 deductible option available.

How often are there claims on vehicles? National statistics show us that in the next twelve months, 1 in 3 vehicles will experience a mechanical failure that could be covered.

Where are the contracts honored? You may take your vehicle to the licensed repair facility of your choice in the U.S. or Canada. A reputable licensed repair facility is one which has the commitment to repair your vehicle properly and will usually have ASE certified mechanics.

What reassurance do I have that your company will be here in years to come to honor claims? We submit actuarily required funds to a third-party administrator, which sets up "trust reserves". These reserves are used to pay for claims.

Are your vehicle service contracts adequately backed? Yes. the claim reserve is reinsured to offer you, the consumer, the ultimate in protection. Our Administrator reinsures our Trust Reserves twice to adequately cover all claims today and tomorrow. The insurer that backs our contracts is "B++" (Very Good) rated and the reinsurer is "A" (Excellent) rated by A.M. Best. Your service contract is absolutely reliable and secure.

Do you have any recommended service facilities? You as the contract holder have the choice of returning your vehicle to a franchised dealer for repairs, or your favorite service facility.

Why buy now if I have time left on my original factory warranty? You may take your vehicle to the licensed repair facility of your choice in the U.S. or Canada. A reputable licensed repair facility is one which has the commitment to repair your vehicle properly and will usually have ASE certified mechanics.

I've never had any problems with my car, why would I want an extended warranty? Cars today have more accessories and electronics than ever before. Even though they don't break often (about 1 in 3), the repair costs are taxing for the average, and even the above-average budget.

How can you provide your contracts at such a low cost? We provide service contracts directly to the buying public, rather than selling through middlemen. This allows us to offer our services at lower prices than resellers.

Is the contract transferable? Yes, if you sell your vehicle to an individual, the contract may be transferred to the new owner for a $50 fee. This enhances the value of your vehicle when selling to a private party.

What if I don't keep my vehicle for the term of my contract? You can cancel your contract at any time and receive a pro-rated refund. Other terms and conditions may apply.

How do I pay for my contract? Your payment options include VISA, MasterCard, American Express or Discover.

Do you have a payment plan? No, there is always a hidden cost to payment plans. This cost is always passed on to the consumer. We.ve elected to offer the lowest pricing possible instead.

When does this contract start and end? Our vehicle service contracts take effect 30 days and 1,000 miles after the date of purchase. For New Vehicles (still under factory warranty), the term of coverage expires according to the time and/or mileage of the plan selected, whichever occurs first. For example, if you purchase a 5 year / 100,000 mile vehicle service contract today, it will expire 5 years from today, or when the vehicle's odometer reaches 100,000 miles, whichever occurs first. This will give you more time than with other vehicle service contracts, which determine expiration based upon the vehicle's in-service date.

How many levels of service contracts do you offer? If your vehicle is still covered by the manufacturer.s warranty, we have 3 plans that will fit your needs--the PLATINUM 'Bumper-to-Bumper', the GOLD 'Component Specific', and the GOLD 'Powertrain'.