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Frequently Asked Questions

Is my service contract transferable?

Yes! It most certainly is. For a modest transfer fee you can pass your vehicle coverage plan onto the future owner of your vehicle should you decide to sell it while you're covered. This can be a big incentive for a buyer to select your vehicle over another.

Why buy now? Especially if I still have a manufacturer warranty.

Just like health insurance or life insurance, the better shape your vehicle is in when you obtain coverage, the better your rates and pricing will be. It actually costs less to purchasea service contractextend the coverage on a newer vehicle in premium condition than it does for an older vehicle that's fallen into disrepair. By buying today, you lock in the costs of mechanical service contract coverage now, while your vehicle's at its best.

How do I file a claim?

In the event of mechanical breakdown or failure you may take your vehicle to any A.S.E. Certified repair facility. However, it is suggested that you return the vehicle to the selling dealer. Authorization from the administrator, verified by issuance of an authorization code, must be received before any repairs are performed under the contract.

  1. Have your contract number, mileage and date of failure ready for the administrator.
  2. Have the authorized service representative contact the administrator,
  3. Upon our request, you must allow the administrator to inspect your vehicle to gather necessary information regarding any claim.
  4. Once the claim has been authorized, you are responsible for payment of the deductible and any items not covered by the contract.

What if I want to cancel my service contract coverage?

Although we believe you'll love your coverage plan, we are more than happy to offer a money-back guarantee if you are not satisfied with your plan. All plans can be canceled within 30 days for a full refund provided no claim has been filed. After that time period, a pro-rated refund will be issued for the unused portion of your contract. That way you only pay for what you use.

Where can I take my vehicle for repairs?

We recommend that you take your vehicle to the dealership you purchased the vehicle from or the dealership that normally services your vehicle. Not all breakdowns occur close to home. Therefore, this program allows repairs to be made at the repair facility of your choice (dealer, national chain, local mechanic) anywhere in the United States or Canada provided they are A.S.E. Certified. We have an extensive database with thousands of repair facilities who have already accepted our plans and can even help you locate a dealer or repair facility anywhere in the US. The administrator must provide authorization prior to any repairs being made.

What is the term of the coverage?

The start date of your service contract is crucial to determining how long your coverage will actually protect your vehicle. The contract is a "Sale-Date" contract, which means that the term of your contract, stated in months, begins on the contract purchase date from National Vehicle Headquarters. Our contracts offer real long-term value for our customers. Some service contracts are "In-Service-Date" contracts that commence on the original purchase date of your car, NOT on the date that you pay for the contract. This is an important distinction when you are trying to comparison shop for a quality service contract. Always make sure and ask whether you are getting an "In-Service Date" plan or a "Sale-Date" plan.

Who is the underwriter, and who is administrating the claims?

All extended service contracts are insured by an A-Rated admitted carrier. Ask your Representative for the specific details of your plan administrator and underwriter.

Is a cash layout required for repairs?

The administrator must provide authorization prior to any repairs being made. The repair facility will be paid by check from the administrator unless they request credit card payment which can be provided.

The administrator will pay claims directly to the repair facility of your choice. If you have a deductible (the amount that you must pay for covered repairs per visit) in your service contract, then you would be responsible to pay that amount and any other non-covered items.

How is a manufacturer's warranty different from a service contract?

Once the manufacturer's warranty expires, you have nothing to protect you from expensive vehicle repairs. Most vehicles come with a 3 year/36,000 mile basic warranty (see Manufacturer Warranties page). Once that expires, you may only have limited protection against emissions, corrosions or powertrain (see Manufacturer Warranties page or refer to owner's manual). A service contract assures that for a specified amount of time and/or mileage, both parts and labor required for replacement or repair of covered mechanical systems in your vehicle will be paid.

Do you offer payment plans?

Because our top priority is always to make sure you and your vehicle are covered, we gladly offer a variety of payment plans so that you don't have to wait for coverage. Our easy payment plans allows you to put down a small down payment of the plan's total cost and then have your credit card, debit card or checking account charged for the balance of the installments depending on the length of coverage you purchase. Or, if you prefer, we can customize a plan for fewer monthly payments. No matter which payment option you choose, we will pay any covered claim regardless of whether your extended auto coverage plan is paid in full.