Coverage Plans
Explore three plans built around how you drive — from essential powertrain protection to our most comprehensive coverage — and see exactly what each one includes before you decide.
Choose Your Plan
Select the tier that fits your vehicle's age, mileage, and how much protection you want.
Essential engine and drivetrain protection
Covers your engine, transmission, and drive axle — the most expensive systems to repair. A solid choice for older vehicles or budget-conscious drivers.
Personalized quote required to confirm eligibility.
Mid-level protection for everyday drivers
Everything in Powertrain, plus A/C and cooling, electrical, steering, and brakes — broader coverage at a step up from basic protection.
Personalized quote required to confirm eligibility.
Broadest coverage — exclusionary plan
Covers everything except a defined list of exclusions. For drivers who want maximum confidence in their coverage and fewer surprises at the shop.
Personalized quote required to confirm eligibility.
Side by Side
A full component-by-component breakdown across all three vehicle service contract tiers.
| Component | Powertrain | Complete Care Popular | Total Protection |
|---|---|---|---|
| Engine | |||
| Transmission | |||
| Drive Axle | |||
| Electrical | — | ||
| Air Conditioning | — | ||
| Cooling System | — | ||
| Steering | — | ||
| Brakes | — | ||
| Suspension | — | — | |
| Fuel System | — | — |
Coverage details vary by plan terms and vehicle eligibility. Get a quote to see options for your specific vehicle.
Coverage in Detail
Plain-English descriptions of each major system covered under Complete Auto Protect vehicle service contract plans.
Every covered repair is authorized through our claims team before work begins — so there are no surprises when you pick up your vehicle.
Engine coverage under a Complete Auto Protect vehicle service contract includes internal components such as pistons, rings, bearings, camshafts, crankshafts, valve trains, and oil pump assemblies. Engine coverage is included at every plan tier, making it the most universally protected system. Covered repairs apply to mechanical failures — not maintenance items like oil changes or spark plug replacement, which are wear-and-tear exclusions.
Transmission repairs rank among the most expensive mechanical breakdowns, often running $2,000 to $5,000 or more. Coverage under a Complete Auto Protect vehicle service contract includes the transmission case and internal components — gears, shafts, torque converter, clutch packs, and electronic controls — for both automatic and manual transmissions. All three plan tiers include transmission coverage, which is one of the most common claims filed by contract holders.
Steering system coverage is available under Complete Care and Total Protection plans. This includes power steering pumps, rack and pinion assemblies, steering gearboxes, and the associated hydraulic or electronic components that allow you to control your vehicle's direction. Steering failures can be both dangerous and costly — covered repair authorization is processed through the claims team before work begins.
Electrical coverage is included in Complete Care and Total Protection plans and addresses the growing complexity of modern vehicles. Covered components include the alternator, starter motor, wiring harnesses, and factory-installed electronic modules. As vehicles rely on more electrical systems for safety and performance, electrical failures have become increasingly common and expensive — often topping $1,000 for a single repair.
Air conditioning and engine cooling are covered under Complete Care and Total Protection plans. A/C coverage includes the compressor, condenser, and evaporator core. Engine cooling coverage addresses the radiator, water pump, and thermostat — components whose failure can lead to engine overheating and significantly more expensive secondary damage. Together, these systems protect both your comfort and your engine's longevity.
Brake system coverage under Complete Care and Total Protection plans covers mechanical brake components — master cylinder, brake calipers, wheel cylinders, and hydraulic lines. Note that consumable wear items such as brake pads, brake shoes, and rotors are standard exclusions across all vehicle service contracts, as these are normal maintenance items. Coverage applies to component failures, not scheduled replacement.
Be Informed
Every vehicle service contract has exclusions. Here are the most common ones — the same exclusions you'll find across the vehicle service contract industry:
Get your free quote today and discover how affordable peace of mind can be.
Coverage Questions
Answers to the questions we hear most often about vehicle service contract coverage.
Pre-existing conditions are not covered by any vehicle service contract. Coverage applies only to mechanical breakdowns that occur after the contract's effective date and any applicable waiting period. A condition that existed or showed symptoms before the contract was active is considered pre-existing and is excluded from coverage, regardless of whether it was previously diagnosed.
Many vehicle service contract plans include a rental-car reimbursement benefit when your vehicle is in the shop for a covered repair, typically subject to per-day and per-claim limits. Whether rental coverage is included depends on the plan tier you choose. Your coverage specialist will spell out the rental benefits in writing when you [get a quote](/quote), or call (844) 915-2886 to ask before you sign up.
When your vehicle experiences a covered breakdown, the process has four steps. First, take your vehicle to any licensed repair facility and describe the problem to the service advisor. Second, the shop contacts Complete Auto Protect's claims team before any repairs begin to obtain pre-authorization. Third, the claims team reviews the repair and, if covered, authorizes the work and communicates directly with the shop. Fourth, once repairs are complete, you pay your deductible to the shop and the shop submits the invoice to us for the remaining covered amount.
Yes — Complete Auto Protect vehicle service contracts are transferable to a new owner when you sell your vehicle privately, which can add to its resale value. There is typically a small administrative fee and a short transfer form to complete, and the remaining term and benefits move to the new owner. Call (844) 915-2886 when you're ready to transfer and your specialist will walk you through the steps.
Yes — Complete Auto Protect writes vehicle service contracts on high-mileage vehicles. The plans available depend on your vehicle's year, make, model, and current mileage at sign-up; older or higher-mileage vehicles typically qualify for powertrain-focused plans rather than the broadest [Total Protection tier](/coverage). [Get a quote](/quote) or call (844) 915-2886 to see which plans are available for your specific vehicle.
Yes — most vehicle service contracts include a per-visit deductible that you pay directly to the repair shop at the time of service. The deductible level you choose affects your monthly cost: a lower deductible generally means a higher monthly payment, and vice versa. You'll see the deductible options available for your vehicle when you [get a quote](/quote), and you can pick the level that fits your budget.
