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Warranty Headquarter’s FAQs

Explanation of Terms

  • 1. What is a Vehicle Service Contract / Extended Warranty? Most new vehicles come with a 3 year /36,000 mile bumper-to-bumper (comprehensive) manufacturer’s warranty. Once your manufacturer’s warranty expires, extended auto coverage plans take over – if you have one. An extended auto coverage plan provides for repairs of covered components during a specific period of time and/or a certain number of miles driven.

  • 2. What is the "Original Manufacturer's Warranty"? The 'Original Manufacturer's Warranty' is the initial warranty period provided by the vehicle’s manufacturer. This is usually a three year/36,000 mile bumper-to-bumper warranty, though some manufacturers have longer periods and/or mileage limits. In addition, some components of the vehicle might have longer warranty periods.

  • 3. Is a Vehicle Protection Plan an insurance policy? No. A vehicle protection plan is a contract that provides payment for repair and/or replacement of covered parts, including labor.

  • 4. Why should I choose Vehicle Protection Headquarters over the others? Vehicle Protection Headquarters works hard to satisfy your extended auto coverage needs. Where other sites will try to force one plan on you, or not take into account your needs with regard to your deductible or level of coverage, Vehicle Protection Headquarters works hard to get you just as much coverage as you need – no more and no less. Of course, Vehicle Protection Headquarters’ protection plans are of the highest quality, we provide an easy claim process and are priced affordably.

  • 5. Do you cover damage due to overheating? Overheating damage is covered if the overheating was not the result of improper maintenance. We have the following advice concerning what to do in the event your car overheats:

    1. Turn off the engine

    2. If you see steam, do not open the hood. Wait until steam subsides.

    3. If you see smoke, call for help. Do not open the hood under any circumstances.

    4. Once the engine has cooled a bit and you no longer see steam, pop the hood latch.

    5. Open the hood as indicated in your owner’s manual

    6. Check to see if you have enough coolant. The method for checking and replacing coolant can also be found in your owner’s manual.

    7. If you need to add coolant, be VERY careful when opening the radiator. Be sure to follow all instructions.

    8. Close the hood, and start the engine.

    9. If a large amount of fluid begins to come out of the engine area, you may have a burst hose. Do not attempt to drive the vehicle as damage may occur.

  • 6. What is In-Service date? The In-Service date is the date when you take possession of your car from a dealer. This starts the clock ticking on your manufacturer’s warranty period.

  • 7. What Benefits do you offer?

    24 Hour Roadside Assistance Different plans have different approaches to roadside coverage. Vehicle Protection Headquarters’ plans provide for various roadside assistance occurrences during the life of your extended warranty, depending on the plan selected.

    Rental Benefit Should your car need to stay at a repair facility, you can be reimbursed for car rental. There are limits for different types of repair delays, so be sure to ask.

  • 8. Where can I take my vehicle for repairs? Any licensed repair facility. The repair facility merely contacts the claims administrator to arrange for payment. But, in order to verify that your repair facility is one of the thousands that are licensed, please ask.

  • 9. What is the procedure if I have a claim on my vehicle? The process is simple. Take your vehicle into any licensed repair facility. Ask the repair facility to contact the service administrator. We will pay for covered repairs directly to your auto repair facility. You DO NOT need to pay first and then be reimbursed. The only amount you will be responsible for is the deductible.

  • 10. How does the deductible work? A deductible is the amount you pay for any covered repair. For instance, if your deductible is $100, and a repair is $500, then you would pay the first $100 and your extended warranty would cover the remaining $400.

    The most important question really is “Which deductible is right for me?” This is a question that needs to be asked and answered BEFORE you buy your warranty. The deductible has an impact on your premium, but also represents the amount your budget can handle in the event of a repair. Vehicle Protection Headquarters will help you select the right deductible for you.

  • 11. Does Vehicle Protection Headquarters cover parts and labor? Yes – for covered items. It is important that you tell us what parts you want covered so that we can be sure that you receive the most suitable extended auto coverage for you.

  • 12. How do I enroll my vehicle in the Vehicle Protection Headquarters Protection Plan? Return to our home page and start the quoting process. You can choose a quick quote or a guided quote. Once you have selected the extended auto coverage options that are right for you, your vehicle protection plan options will be presented. Simply select the plan you want, and follow the instructions to secure an extended vehicle protection plan.

  • 13. I have not had any problems with my vehicle so far. Do I really need a Vehicle Protection plan? This is like saying "I never get sick, do I need health insurance?" While a vehicle protection planis not an insurance product, there are parallels. Just as the cost of health care is always rising, so is the cost of repairing a vehicle. You don’t want a surprise medical bill in the thousands, and you certainly don’t want a surprise repair bill in the thousands.

    Also, just like health insurance, the right time to get a vehicle protection plan is before your car is "sick." You won’t be able to buy a vehicle protection plan for a car that isn’t in good working condition.

  • 14. Why buy it now? I'm still covered by the manufacturer? First, let's be sure you are talking about the manufacturer's warranty. You need to make sure that you are not only covered for small portions of the car such as the power train. In this case, a vehicle protection plan will provide you with far more coverage and far more protection from unexpected repair bills.

    If you are still covered by the manufacturer’s warranty, the best course of action is purchase an a Vehicle Service Contract when your auto warranty expires. The younger your car is and the fewer miles it has, the less you will likely have to pay for your vehicle protection plan. Also, be aware that prices are impacted by mileage, so if you are close to a mileage breakpoint, then buying sooner rather than later might make sense.

  • 15. If my vehicle is out of the manufacturer's warranty, can I still get coverage? Yes. Hurry though. Vehicle protection plans are only available for cars in good working condition. The best and only time to get a vehicle protection plan is BEFORE anything goes wrong.

  • 16. Can I buy this same type of coverage through my dealer? Yes, but be prepared to pay more – lots more. Dealer prices for the same coverage can be 10, 20 and often 50% higher than Vehicle Protection Headquarter protection plans. You can buy this from your dealer, but why?

  • 17. Do I have to go back to my original dealer for repairs? No. You can go to any licensed repair facility. The repair facility merely contacts the claims administrator to arrange for payment.

  • 18. What happens if my dealer does not want to accept the Vehicle Protection Headquarters plan? It is HIGHLY unlikely that a repair facility would not accept your Vehicle Service Contract. It is simply an alternate source of payment for them. The repair facility simply contacts the claim administrator for payment. Payment is then made via corporate credit card.

    Whether or not the dealer accepts our vehicle protection plan is MUCH different than what you might be told when the dealer wants to sell you a warranty. If a dealer tells you that they only accept their warranties as part of his or her trying to sell you a warranty, then they are using hard-sell tactics and you should be appropriately cautious.

  • 19. I've seen lower prices on the Internet. Why should I buy a Vehicle Protection Headquarters plan? Are you SURE you have seen lower prices? Some vehicle protection companies show “lower prices” for extended auto coverage by providing sub-standard or stripped-down plans. When comparing prices, be sure that you are making an “apples-to-apples” comparison of features, deductible, transferability and restrictions.

    You can also be sure that Vehicle Proctection Headquarters will work hard to match you to your extended auto coverage needs. Where other sites will try to force one plan on you, or not take into account your needs with regard to deductible or level of coverage, Vehicle Proctection Headquarters works hard to get you just as much coverage as you need – no more and no less.

    Of course, Vehicle Protection Headquarters’ vehicle protection plans are of the highest quality, provide an easy claim process and come at an excellent price.

  • 20. What if my vehicle breaks down and I am not near my home? You can go to any licensed repair facility. You do not have to go to a facility near your home. The repair facility merely contacts the claims administrator to arrange for payment.

  • 21. Where is my Vehicle Identification Number (VIN)? The VIN is visible in several places on your car. The most common and easily accessible are on the dashboard on the driver’s side of the vehicle. You can see the VIN through the bottom of the windshield from the outside of the vehicle. You can also find the VIN inside the driver’s door frame on most vehicles.

  • 22. What if I want to cancel my vehicle protection plan? You can. If you paid the full premium, you will get a pro-rated refund. If you are paying over time, then you will simply stop making payments. After 30-days, there may be a cancelation fee for processing work that needs to be done.

  • 23. What if I trade my vehicle? Cancel your vehicle protection plan and get your pro-rated refund. There is no need for it to continue.

  • 24. What if I sell my car? Is my warranty Transferable? Yes. A vehicle protection plan is transferable. While the existence of a vehicle protection plan will not impact the “blue book” price of a car, potential buyers of your car will certainly feel far more comfortable buying your car if it has a vehicle service contract may not increase the resale price, but it may sway a buyer to purchase your car instead of another car which is not covered.

  • 25. Is my vehicle protection plan renewable? Yes. Be sure to contact us before your current plan expires so we can assure you of uninterrupted coverage.

  • 26. Do you have a payment plan? Yes. You can choose from paying the full premium or paying a small down payment and then paying monthly or quarterly.

  • 27. Do you offer coverage on salvage or junk titles, rebuilt vehicles or vehicles damaged by a flood? Our program is not available on vehicles with salvage or junk title, flood title, rebuilt or reconstructed title, or on vehicles where the odometer has been tampered with, or on vehicles that have been declared "a lemon".

  • 28. What’s the catch? How can Vehicle Protection Headquarters sell a vehicle protection plan for so much less than a dealer? We simply don’t have the need to make the outrageous profits that dealers want to make. It’s just that simple.

  • 29. My car is making a funny sound or is already broken – time for an extended auto coverage plan! Sorry. It’s too late. Vehicle service contracts are sold for vehicles that are in good working condition. In fact, we may ask to have your car inspected before your coverage takes effect. The BEST time to buy a vehicle protection plan (in fact the only time) is BEFORE anything happens.

Explanation of Terms

Insurer: Most reputable extended auto coverage companies contract with another company to insure their obligations for a service contract. For example, if an extended auto company ran into financial difficulties and failed to meet their obligations under the service contract, the insurer could step in to pay the claims. As the exact arrangement between the warranty company, the insurer, and any re-insurers varies from company to company, always read your contract carefully.

Re-insurer: Reinsurance is an arrangement between two or more insurance companies to spread out the risk of an insurance contract. This is done so that an unusually large loss from a policy does not fall on a single company. Once again, the exact arrangement between the warranty company, the insurer, and any re-insurers varies from company to company, so always read your contract carefully.

Ratings: When possible, I've tried to review the A.M. Best's rating for insurers and re-insurers. A.M. Best's ratings are widely recognized as the benchmark for determining an institution's financial strength.

BBB: For years, the Better Business Bureau (BBB) has provided an excellent way to gauge a company’s overall success and satisfaction. It is comprised of 145 independent local Better Business Bureau chapters, which are affiliated with the national umbrella organization, the Council of Better Business Bureaus (CBBB). Do keep in mind that there is little to no reporting consistency across the independent chapters, so it may be difficult to compare companies using only this information.

The National BBB runs a program worthy of some consideration. In order to participate in the BBB Online Reliability Program, a company must have a satisfactory complaint handling record, agree to participate in the BBB's advertising self-regulation program, agree to abide by the BBB Code of Online Business Practices, and agree to dispute resolution with the BBB. Most of the companies who participate in this program value their standing in the BBB, and tend to do a better job at handling complaints.

Vehicle Protection Plans Explained

So what good is an extended vehicle protection plan? It provides peace of mind and limits how much you end up paying for repairs.

Dan in Chicago, IL : I know that the average repairs for my truck will be around $1000 over the next 5 years. Knowing this, I'm more then willing to spend $1200 or $1300 on a warranty because I don't want to risk high repair bills if it turns out my vehicle needs an above average amount of repair.

On a more personal level, I'm cheap and I know what I'm like with vehicles. While my last car was still under warranty, whenever there was a noise or minor problem, I took the car in for service. After all, I knew that my warranty would pay for the repair. When my warranty expired, I tended to put off repairs as long as possible because I didn't want to spend my money. The Honda quickly deteriorated to the point that when I traded it in, it had to be towed. For me an extended warranty meant I would end up taking better care of my vehicle.