How It Works
Know Exactly How
You're Protected.
Whether it's your vehicle or your home, a CoverageX plan is designed to give you clarity and confidence — understand what's covered, how claims work, and why 300,000+ members trust us to protect what matters most.
Understanding Your Plan
What Is a Service Contract?
Before you buy, we want you to know exactly what you're getting — and what you're not. Transparency is at the heart of everything we do.
What a Vehicle Service Contract IS
A vehicle service contract (VSC) covers the cost of mechanical breakdowns after your manufacturer warranty expires — so you're not left with a surprise repair bill.
Key Benefits
- Covers repair costs for mechanical & electrical failures
- Pays the repair shop directly — not a reimbursement
- Includes 24/7 roadside assistance & towing
- Provides rental car coverage with approved claims
- Works at any licensed repair facility nationwide
- Monthly price is locked in for life — no rate increases
What It Is NOT
A VSC is not car insurance. It doesn't cover accidents, liability, or collision damage. Here's what to know:
Key Exclusions
- It's not auto insurance — it doesn't replace your car insurance policy
- It's not a maintenance plan — oil changes, brake pads, tires, and wipers aren't covered
- It doesn't cover pre-existing issues — problems that exist before your plan starts are excluded
- It doesn't cover cosmetic damage — dents, paint, upholstery, and glass aren't included
- It's not unlimited — coverage is subject to labor rate caps and plan-specific terms
Think of it this way: Your car insurance protects you from accidents. Your CoverageX plan protects you from breakdowns — two different things, both essential.
Coverage Solutions
Protection Plans Built Around You
Tell us about your vehicle or home and we'll match you with a qualifying plan.
Executive
Elite Protection
The Executive Plan is an exclusionary coverage contract — the broadest form of protection available. Everything is covered unless it is explicitly listed as excluded.
Premium
Advanced Protection
The Premium Plan provides near-comprehensive mechanical coverage, including advanced technology components and all major vehicle systems — with a short list of standard exclusions.
Signature
Expanded Coverage
The Signature Plan expands beyond powertrain basics to include electrical systems, air conditioning, and suspension — covering the components that keep your vehicle running comfortably and reliably day to day.
Essential
Core Protection
The Essential Plan covers your vehicle's most critical mechanical systems — engine, transmission, and drivetrain — including seals, gaskets, and turbocharger components where applicable.
When Something Breaks Down
We Handle It. You Relax.
No runaround. No delays. When a covered breakdown happens, here's exactly what to do.
Call Us
Contact our claims team the moment a covered issue occurs. Don't start repairs before calling — prior authorization is required.
Get Authorized
Take your vehicle to any licensed repair shop. We verify your coverage and authorize the repair directly with the shop.
We Pay the Shop
Once the repair is approved, we pay the shop directly. You pay nothing beyond your plan's terms. Get back on the road.
Ready to file a claim?
Call our claims team — we'll handle everything from there.
Prior authorization required before any repairs begin.
Available 24/7, 365 Days a Year
Verified by third parties
Real Customers. Real Reviews.
Verified ratings from real members, pulled from trusted third-party platforms.
Verified across
Trustpilot
--
Frequently Asked Questions
Frequently Asked Questions
Everything you need to know before you get covered.
Get Started With a Free Quote
Get your free quote today and discover plans tailored around your home or vehicle.
No obligation • Takes less than 2 minutes