FAQ

Frequently Asked Questions

Does my service contract cover everything?

What if I just have questions or need help?

What’s different about 1800Warranty.com’s service contracts?

What’s different about 1800Warranty.com's service contracts?

The most common way to purchase a service contract is to buy it at the time you purchase your vehicle. When you purchase it at that time, you’re required to choose a term and mileage limited contract that gets wrapped into your financing and may cost thousands of dollars. 1800Warranty.com contracts are all month-to-month, so there’s no long-term obligation. They’re also easily modified to meet your changing needs. Our goal is to make your life easier, and this type of contract gives you the ultimate flexibility.

How much do I have to pay today?

You only need to submit your first month’s payment with your contract purchase. Further payment will be handled through easy monthly billing.

Is a service contract really an extended warranty?

Although people commonly refer to service contracts as “extended warranties,” there is an important distinction between the two. Warranties are issued with your vehicle from the manufacturer, and are included in the price, whether you purchase a new or certified pre-owned vehicle. A service contract is coverage you voluntarily purchase to protect your vehicle beyond the expiration of your factory warranty.

Why do I need a service contract if my vehicle has a factory warranty?

Most vehicle factory warranties expire 3 years from the purchase date or when the vehicle’s odometer reaches 36,000 miles. Coverages can range from comprehensive (“bumper-to-bumper”) to powertrain. Once your vehicle eclipses its factory warranty, you may be responsible for the cost of all repairs when mechanical failures occur. A service contract provides financial protection and peace of mind by covering the cost of unexpected repairs.

Should I just wait to buy a service contract if my vehicle has a factory warranty?

The right time to buy a service contract is a personal decision. The closer your vehicle gets to the expiration of its factory warranty, the more expensive the service contract is going to become. If you plan on keeping your vehicle past the limits of its factory warranty, then there is a significant benefit to locking in lower rates, and extended protection, by purchasing sooner rather than later. Similar to life insurance, coverage for a younger, “healthier” car will be less costly than for that of an older vehicle even though it may still be in its prime.

Doesn’t a service contract provide the same coverage as my auto insurance?

Not at all! Your auto insurance is there to cover you should you be involved in a collision or some other unfortunate event (theft, weather damage, etc.). A service contract covers the mechanical portion of your vehicle, which auto insurance does not. If you’re willing to pay thousands of dollars to protect the outside of your vehicle, you should consider the value of paying a fraction of that to cover the vital functions inside as well.

Can I only buy a service contract if my vehicle has remaining factory warranty?

No, you can buy a service contract even if your vehicle is out of factory warranty coverage. We do our best to accommodate as many vehicles as we can!

What are the age or mileage limits to buy a service contract?

We offer service contracts for vehicles with a model year 2000 and newer and have coverages for vehicles with mileage up to 200,000, depending on the coverage plan level selected. Enter your vehicle information now to determine your coverage eligibility.

What information about my vehicle do I need to purchase a service contract?

We will need the vehicle year, make, model, and mileage. We will also need the vehicle’s VIN and information about any types of extra features it may have (4x4, AWD, Turbo, Supercharger, etc.) as well as submission of a photo of your vehicle’s odometer to confirm current mileage.

What’s a VIN?

A VIN is a vehicle identification number. This number is 17 digits long and specifically identifies your vehicle. You can find this number on the inside of your door or at the bottom corner of the windshield on the driver’s side. This number will verify the information we need in order to give you an accurate service contract price quote.

What is a deductible and how does it work?

A deductible is a small amount that you elect to pay towards any claim that you may have. For example, if your deductible is $100 and your repair is $2,500, you would pay $100 and we would pay $2,400. 1800Warranty.com offers various deductible options, some as low as $0! Why would you elect to pay a deductible? Well, the higher your deductible, the less expensive your contract will be. Not sure which deductible to select? Just ask us, we’re here to help!

What if I can’t afford my contract?

There are many options available so it’s easy to find one to meet your budget. Simply call us at 1-800-927-7268 and we will guide you through our coverage offerings. We even offer interest-free financing to make paying for your contract simple. Remember—our number-one goal is to ensure our customers are completely satisfied, so always call us if you have any questions or issues.

Do I need to have my vehicle inspected to buy a service contract?

An inspection is not required in order to buy a service contract. But if you have your vehicle inspected, we will allow full coverage to begin on day 1 (rather than waiting 30 days for breakdown coverage).

Where can I have my vehicle inspected?

Please call or email us at 1-800-927-7268 or  support@1800warranty.com for help finding a convenient inspection center.

Does my service contract cover everything?

No, and don’t believe anyone that tells you theirs does! There are always certain exclusions of coverage, namely accident repairs and basic maintenance (oil changes, tire rotations, etc.). Depending on the level of coverage you choose, we will either specifically list what is covered and/or tell you what is not covered. There are no secrets with our contracts.

What if I like to work on my own car?

You can use your service contract at any Repair Shop as defined in the contract. Even though you may be a weekend mechanic for some basic repairs, be sure to utilize the protection our service contract provides for more advanced repairs.

What do I do if my vehicle breaks down?

First and foremost, if your vehicle breaks down while driving, do everything you can to ensure you are safe. From there, simply call the roadside assistance number located in the contract. Once your vehicle is towed to the Repair Facility, please let the shop know that you have a service contract and to call the claims number located in the contract prior to beginning any work. We will take it from there. All you need to do is pick up your vehicle when it’s fixed and pay your deductible; we will pay the balance due to the shop directly!

If your vehicle has a failure that does not affect drivability, simply drive it to your local repair shop and have them call the number on your contract. Have them contact us and, again, we’ll take it from there!

How will I know if my vehicle will be covered if it breaks down?

You can always refer to your service contract to determine if a certain part or component is covered. If you would like us to explain coverage, just call us. Our experts will assist you to make sure you understand everything that is happening during the process.

Why would my claim ever get denied?

A claim will only be denied if the component is not covered under the coverage level selected, if the repair was due to a pre-existing issue with your vehicle, or is otherwise excluded. A new service contract does not cover anything that is currently wrong with your vehicle. If you have any questions about this, please do not hesitate to call us.

What is a deductible and how does it work?

A deductible is a small amount that you elect to pay towards any claim that you may have. For example, if your deductible is $100 and your repair is $2,500, you would pay $100 and we would pay $2,400. 1800Warranty.com offers various deductible options, some as low as $0! Why would you elect to pay a deductible? Well, the higher your deductible, the less expensive your contract will be. Not sure which deductible to select? Just ask us, we’re here to help!

What is the Stacks Reward Plan?

Stacks is a unique reward plan that is included with your monthly contract purchase, making your VSC purchase virtually risk-free.

If you have no need to make a claim during the term of your service contract, you will be eligible for reimbursement of your total monthly service contract payments, minus certain fees.

Simply put, you pay a monthly fee for valuable coverage, then get the unused portion of your service contract payments back at the end of the participation term, less certain fees. Terms and conditions apply.

What is ID Theft Protection and how much does it cost?

ID Theft Protection is a highly valuable protective product that uses innovative technology to offer multiple layers of protection against identity theft and identity fraud threats, including best-in-class fraud prevention and remediation services.  With ID Theft Protection, you and your family are covered by a comprehensive suite of services and benefits, including dark web and financial monitoring, identity threat alerts, single bureau credit monitoring, stolen funds reimbursement, and up to $1 million in identity theft insurance.

ID Theft Protection features 24/7 customer service and provides peace of mind through robust protection and real, tangible remedy should identity theft or fraud occur.  This product is provided free of charge with your Vehicle Service Contract purchase. Terms and conditions apply.

Can I cancel my service contract?

You can cancel your service contract at any time! Depending on the length of time you’ve had the contract or the mileage you’ve driven, you may qualify for a refund of unused premium.

What if I just have questions or need help?

This is easy, just call us! Our number is 1-800-927-7268, or you can email us at support@1800warranty.com with any questions.