Vehicle Protection Plan FAQs
What is a Vehicle Protection Plan (VPP)?
Think of it as protection against mechanical and electrical breakdowns. Our plans cover the cost of repairs, parts, labor and sales tax for covered repairs. A VPP works very similar to the manufacturer warranty that comes with most new vehicles. Most of our plans also include roadside assistance, towing, trip interruption, tire hazard and a rental car benefits. Driver’s Protection only works with highly rated administrators.
Where can I take my vehicle for repairs?
Our plans are accepted at any dealership or ASE certified facility in the United States or Canada.
How are repairs paid for?
The claims are paid directly to the dealership or ASE certified facility of your choice via credit card. We do NOT require you to pay for the repairs and then get reimbursed. You are only responsible for the deductible on any covered repairs after your repairs are completed.
Why do I need a VPP?
Ask yourself, can you afford to have your vehicle out of service? Can you afford to come out of pocket for costly repairs beyond the scope of your standard manufacturer’s auto warranty? Our plans are designed to protect your vehicle and your budget. Today’s vehicles are more complex than ever. Manufacturers now more than ever rely on electronics and computers to run their vehicles, making it nearly impossible to work on them yourself. In addition, the hourly labor rate and cost of parts are at all-time highs across the country. The typical manufacturer’s car warranty only offers three-years/36,000 miles, with limited coverage. A VPP is long term protection against mechanical and electrical breakdowns that is necessary in today’s economy.
What happens if I sell my vehicle?
Many customers purchase a VPP so they can extend the life of their vehicle. However, if you choose to sell your vehicle or trade it in, you have two options. You can either transfer the policy to the new owner of the vehicle or you can cancel the policy and receive a pro-rated refund for the unused proportion.
I have auto insurance, why do I need a VPP?
A VPP is completely different from your auto insurance. Your auto insurance will protect you if you have an accident. A VPP will protect you from unexpected mechanical and electrical breakdowns, which would not be covered under your auto insurance.
How do I figure out which VPP is right for me?
Driver’s Protection has several levels of protection available to accommodate most vehicles. The year, make, model, and mileage all play a role in determining the level of coverage for which a vehicle qualifies. Please call 1-866-949-0400 to speak with a specialist and see what plan best fits your needs.
How does the claims process work?
In the event of a breakdown, the claims process starts immediately. Call the Claims telephone number located on your ID card or policy booklet, and they will call Roadside Assistance, arrange a rental car, and help schedule your repairs. The claims are paid directly to the dealership or ASE certified facility of your choice via credit card. You are only responsible for the deductible on any covered repair after the repairs are completed.
How do I know what is covered?
You will receive a policy booklet that will outline your coverage in great detail. If you have any additional questions on your coverage, please call customer service at 1-844-248-6947.
Can I have more than one vehicle covered under the same policy?
No. All plans are specific to the year, make, model, mileage, and Vehicle Identification Number (VIN.) However, we do offer discounts for customers that choose to protect multiple vehicles.
Manufacturer’s Auto Warranty Facts & Information
A manufacturer’s warranty is coverage you receive when purchasing a new vehicle that comes directly from the manufacturer of that vehicle. At the time of purchase, most new vehicles come with a comprehensive 3 year or 36,000 mile “bumper-to-bumper” auto warranty.
The bumper-to-bumper car warranty involves specific coverage terms determined by each individual manufacturer. Although the typical domestic manufacturer’s warranty is 3 years or 36,000 miles, many manufacturers change or update their auto warranty programs from year to year. In addition, some components of the vehicle may have longer warranty service coverage periods. Auto warranty programs may also vary from country to country.
What defines an auto warranty?
A vehicle warranty generally covers major mechanical systems like the engine, transmission, and brake systems. Every vehicle or car warranty has a specific list of covered components (auto parts). Most auto warranty programs provide bumper-to-bumper coverage for this specific list of covered components.
Normal “wear and tear” considerations are sometimes included or excluded. Some car warranty programs offer powertrain coverage only. Under this type of vehicle warranty, the coverage provides repairs and parts in the event of a major mechanical failure alone. More often than not, a vehicle warranty excludes coverage for things like brake pads, spark plugs, and tires which are a part of normal maintenance. A typical auto warranty also excludes components such as windshield wipers, lighting systems, and upholstery.
How does a vehicle warranty work?
All auto warranty programs are specific to the vehicle manufacturer. A typical vehicle warranty is backed by a highly-rated insurance company, allows for repairs to be made at any certified automotive service stations, and pays claims in full, up front. Some auto warranty programs also provide roadside assistance, trip interruption and rental car benefits. For terms, coverage, and conditions specific to your manufacturer’s warranty, please refer to your vehicle owner’s manual.
Note: It is important to read your auto warranty carefully so that you can understand exactly what is covered. All covered and uncovered components will be outlined carefully.
What else should I know about my car warranty?
Most auto warranty programs require the vehicle owner to complete all routine maintenance specified by the vehicle owner’s manual. Neglect of the routine maintenance or servicing of a car is a frequent cause for claim denial. It is advisable that all vehicle owners familiarize themselves with the service routine as outlined in the owner’s manual, so that in the event of a mechanical failure, there will be no deviation from the terms outlined in the auto warranty agreement. It is also advisable that all vehicle owners keep accurate records and receipts for any work they have completed on their vehicle.
Regular servicing allows your car to run more efficiently and upholds the terms and conditions of the vehicle warranty. Your service record and receipts will be important documentation in the event that a service call for any components covered under the car warranty program is ever warranted.
What happens after my auto warranty expires?
Once the manufacturer’s vehicle warranty expires, a third-party Vehicle Protection Plan may be purchased to provide for future repairs of covered components over the course of a specific time period. This is where Driver’s Protection comes in. Typically, a Vehicle Protection Plan is an agreement that provides for repair and/or replacement of covered parts, including labor and taxes.
Note: If your vehicle is currently covered by the manufacturer’s auto warranty, and you would like to purchase an ongoing vehicle protection plan, the best course of action is to time the purchase of the Vehicle Protection Plan before the end date of your current manufacturer’s auto warranty.
Common Vehicle Warranty Terms
In-Service Date: The date when you take possession of your car from a dealer. This starts the clock ticking on your manufacturer’s warranty period.
Deductible: This is the amount the vehicle owner pays for any covered repair under the terms of some auto warranty programs. If a service deductible is $100, and a repair is $650, then the vehicle owner would pay the first $100 and the auto warranty would cover the remaining $550 for the service. The deductible amount often has an impact on the premium.
Transferability: Some manufacturer’s auto warranty programs are transferable. While the existence of a transferable vehicle warranty will not directly impact the “blue book” value of a vehicle, some potential buyers may feel more comfortable purchasing a car if the vehicle is still covered by the original car warranty from the manufacturer.
Types of Manufacturer’s Auto Warranty Programs
Basic to Factory (also known as bumper-to-bumper)
The specific terms established by each manufacturer may vary, but the basic car warranty is typically 3 years or 36,000 miles for domestic vehicles. The basic warranty covers repair to vehicles for a specific time and/or mileage period. Most factory-installed parts and some dealer-installed accessories are covered for defects and workmanship. Items such as tires, spark plugs, filters, wiper blades, and the battery are generally not covered under the basic warranty, although some of these components may have their own product warranties.
This is a separate warranty that offers protection beyond the basic warranty. The powertrain warranty is applicable for major components such as the engine, transmission, and drive shafts. In some cases, the powertrain warranty is valid for a greater period of time or mileage than the manufacturer’s basic auto warranty. Some powertrain warranty coverage lasts as long as 10 years or 100,000 miles.
The emissions warranty may offer coverage for the catalytic converter, electronic emissions control unit and any onboard diagnostic device. The length of the emissions warranty may depend on the state in which you reside with the vehicle. Please refer to your owner’s manual for specific information on any included emissions warranty.
Typically offered in cold climates regions or areas with harsh environmental conditions, the corrosion warranty offers coverage for rust-through perforation on sheet metal for a specified term. Manufacturers usually state that all body sheet metal components are warranted against rust-through corrosion for a number of years or an amount of miles driven, whichever comes first. Please refer to your owner’s manual for specific information on any corrosion warranty in place.
Driver’s Protection is a marketer of Vehicle Protection Plans, also commonly known as vehicle service contracts, and is unaffiliated with any automotive manufacturers or their associated auto warranty programs. The Vehicle Protection Plans offered are not to be confused with vehicle manufacturer’s warranties.
The content above is provided solely for the purpose of providing general information with respect to typical warranty programs by the originating automotive manufacturers; it provides general information that may not be specific to your individual car warranty and is not representational of the Vehicle Protection Plans offered by Driver’s Protection.