Home/Coverage
Coverage & plans
What's actually covered, and what never is.
Three coverage levels, laid out plainly. The exclusions are on this page too, because that's the part that decides whether a claim gets paid.
The big-ticket mechanical parts. If the engine or transmission lets go, this is the coverage that saves you four figures.
- Engine & internally lubricated parts
- Transmission & torque converter
- Transfer case & drive axles
- Seals & gaskets on covered parts
- Electrical & air conditioning
- Steering, brakes & suspension
- Tech, navigation & sensors
Powertrain plus the systems that actually fail most often on a 5-10 year old car. This is where most drivers land.
- Everything in Powertrain
- Air conditioning & heating
- Steering, brakes & suspension
- Core electrical & fuel delivery
- Cooling system & water pump
- Power windows, locks & seats
- High-tech modules & ADAS sensors
Instead of listing what's covered, the contract lists what isn't. Everything else is in. Shortest exclusion list, highest approval odds.
- Everything in Preferred
- Infotainment & navigation
- Driver-assist sensors & cameras
- Control modules & body computers
- Hybrid & EV components (eligible vehicles)
- Fewest grey areas at claim time
Component lists are illustrative. Your contract's schedule of covered parts is the final word. I'll send it to you before you buy.
The comparison, in one table
| System | Powertrain | Preferred | Exclusionary |
|---|---|---|---|
| Engine & internal parts | Covered | Covered | Covered |
| Transmission & drivetrain | Covered | Covered | Covered |
| Cooling system | Not covered | Covered | Covered |
| Air conditioning & heat | Not covered | Covered | Covered |
| Steering & suspension | Not covered | Covered | Covered |
| Brakes (non-wear parts) | Not covered | Covered | Covered |
| Electrical & fuel system | Not covered | Covered | Covered |
| Infotainment & navigation | Not covered | Not covered | Covered |
| ADAS sensors & cameras | Not covered | Not covered | Covered |
| 24/7 roadside assistance | Included | Included | Included |
| Rental reimbursement | Included | Included | Included |
| Trip interruption | Included | Included | Included |
| Transferable on private sale | Yes | Yes | Yes |
The honest part
What no vehicle service contract covers
Any company that won't show you this list before you buy is not the company you want.
None of these are covered under any tier, anywhere in the industry. Knowing them up front is what keeps a repair day from turning into a fight.
- Routine maintenance: oil, filters, fluids, alignments, tune-ups.
- Wear items: brake pads and rotors, wiper blades, tires, clutch linings, batteries.
- Pre-existing conditions: anything already broken or failing when the contract started.
- Collision, theft, weather, vandalism: that's your auto insurance's job, not this.
- Neglect & skipped service: keep your maintenance receipts, they're your proof.
- Aftermarket modifications: lifts, tunes, forced induction, and damage they cause.
- Cosmetic & trim: paint, upholstery, glass, dents, interior wear.
- Commercial & competition use: rideshare, delivery, and track days usually need a separate endorsement.
Which level fits your car?
A rough guide. Your actual mileage, model reliability, and how long you'll keep the car all move the answer.
Under 100,000 km
Go Exclusionary if the budget allows. Modules and sensors are the expensive failures on modern cars, and this is the only tier that covers them.
100,000 to 160,000 km
Preferred is usually the right call. You're entering the window where A/C, cooling, and suspension parts start failing, and those are the claims people file.
Over 160,000 km
Powertrain, and only if the car is worth protecting. If the repair you're insuring against costs less than the contract, I'll tell you to keep your money.
Not sure which one you need?
That's the normal answer. Send me the year, make, model and mileage and I'll tell you which tier makes sense, including if the answer is "none."