A closer look at what vehicle service contracts can involve, and how coverage levels typically differ.
A vehicle service contract is an optional agreement that may help cover the cost of certain eligible repairs, subject to the plan's terms, exclusions and deductible. It is separate from car insurance and from any manufacturer warranty.
Use "may include" language as a guide — exact coverage always depends on the selected contract.
May include protection built around major vehicle components.
May include a broader set of mechanical and electrical components.
May include the widest range of eligible vehicle components.
Engine, transmission and other core mechanical systems, depending on the plan.
Select electrical systems may be included on enhanced or comprehensive plans.
Air conditioning and related climate-control components on eligible plans.
Components related to steering and suspension performance where applicable.
Certain onboard technology systems may be eligible under select comprehensive plans.
Every contract lists specific exclusions, limitations and a deductible — review these carefully before purchasing.
| Category | Essential | Enhanced | Comprehensive |
|---|---|---|---|
| Engine & Transmission | May include | May include | May include |
| Cooling System | Varies by contract | May include | May include |
| Electrical Components | Varies by contract | May include | May include |
| Air Conditioning | Varies by contract | May include | May include |
| Steering & Suspension | Varies by contract | Varies by contract | May include |
| Technology Components | Varies by contract | Varies by contract | May include on eligible plans |
This table is illustrative. Actual covered components depend on the specific vehicle service contract selected.
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