Terms and Conditions
- Applicability
The following terms and conditions apply to all web sites that are owned, operated, and maintained by or for Endurance Warranty Services, LLC and its United States subsidiaries and affiliates (“Endurance”) including (1) Endurancewarranty.com and other Endurance websites on which these terms and conditions are linked; (2) Endurance mobile applications; and (3) the social media accounts and/or pages that we control. Endurance websites, applications and social media accounts are collectively referred to in these terms and conditions as the “Site”.
- General Provisions
THESE TERMS AND CONDITIONS TOGETHER WITH THE PRIVACY POLICY AND ANY SUPPLEMENTAL TERMS, CONDITIONS, OR RULES POSTED TO A SPECIFIC AREA OF THIS SITE (“TERMS”) SET FORTH THE LEGALLY BINDING TERMS GOVERNING YOUR USE OF THIS SITE.
By entering this Site, you acknowledge and agree to all terms, conditions, and rules stated in these Terms. You are not permitted to use this Site if you do not agree to be legally bound by these Terms. Please read these Terms carefully.
We may, in our sole discretion, modify these Terms from time to time and we reserve the right to make changes at any time, without notice or obligation, to any of the content and information contained on this Site. By entering this Site, you acknowledge and agree that you shall be bound by any such revisions. We suggest periodically visiting this page of the Site to review these Terms.
- Jurisdiction and Governing Law
Endurance makes no representations that the information and materials contained within this Site are appropriate for locations outside the United States. By entering this Site, you acknowledge and agree that, unless otherwise expressly stated, this Site is intended for use within the United States only and will only be governed according to the laws of the State of Illinois, without regard to conflicts of laws principles. If you use this Site from other locations, you are responsible for compliance with any and all applicable local laws.
- Disclaimer of Warranties
This Site, and all information and materials contained herein, is provided to you on an “AS IS” and “AS AVAILABLE” basis, and AT YOUR OWN RISK TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW. Although the specifications, features, illustrations, contract summaries, quotes and other information contained in the Site are based upon up-to-date information, and while Endurance and all parties involved in creating, producing, or delivering this Site make all reasonable efforts to ensure that all material on this Site is correct, accuracy cannot be guaranteed. We disclaim, to the FULLEST EXTENT PERMITTED BY LAW, all warranties, whether express or implied, including without limitation, any implied warranties of title, merchantability, non-infringement and fitness for a particular purpose and all warranties regarding security, currency, correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability with respect to this Site. We expressly disclaim, to the fullest extent permitted by law, any warranties with respect to any downtime, delays or errors in the transmission or delivery of any information, materials, or services through the Site. To the extent any jurisdiction does not allow the exclusion of certain warranties, some of the above exclusions do not apply.
- Endurance’s Intellectual Property
Endurance will aggressively enforce its intellectual property rights to the full extent of the law. All images, text, sound, photos, custom graphics, button icons, the collection and compilation and assembly thereof, and the overall “look and feel” and distinctiveness of the Site constitute trade dress and are either the property of Endurance or used on this Site with permission. The absence on the Site of our name or logo does not constitute a waiver of our trademark or other intellectual property rights relating to such name or logo. All other product names, company names, marks, logos, and symbols appearing on the Site may be the trademarks and the property of their respective owners.
You acknowledge and agree that information and services available on the Site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws and are owned or licensed by Endurance. Except as expressly authorized by Endurance, either in these Terms or elsewhere, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from the Site, information, or services. Without waiving any of the foregoing rights, you may print or download information on products and services from the Site for your own personal, non-commercial home use, provided that you keep intact all copyright and other proprietary notices. Systematic retrieval of information or services from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from Endurance is prohibited.
- General Submissions
You agree that you will not post on this Site, or transmit to this Site, any pornographic, obscene, profane, defamatory, libelous, threatening, unlawful or other material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law or regulation. Notwithstanding the fact that Endurance or other parties involved in creating, producing, or delivering this Site, may monitor or review transmissions, postings, discussions, or chats, Endurance and all parties involved in creating, producing, or delivering this Site, assume no responsibility or liability that may arise from the content thereof, including but not limited to claims for defamation, libel, slander, obscenity, pornography, profanity, or misrepresentation. By entering this Site, you acknowledge and agree that any communication or material you transmit to this Site or Endurance in any manner and for any reason, is subject to review and removal, and will not be treated as confidential and/or proprietary to you, unless otherwise expressly stated in a particular area of this Site or in our Privacy Policy. Furthermore, you acknowledge and agree that any ideas, concepts, techniques, procedures, methods, systems, designs, plans, charts, or other materials you transmit to Endurance may be used by Endurance anywhere, anytime, and for any reason whatsoever.
Photo Submissions. Some areas on this Site allow you to submit personal photos. The general purpose of such submissions is to provide a visual and textual representation of your Endurance product. We suggest you attach a high-quality photo of your product and provide an accurate, textual description that is both clear and relevant. You understand that not all types of photos are appropriate for use and all photos submitted are subject to review and removal. The following is a list of general photo restrictions:
- Photos cannot be sexually explicit or suggestive, unnecessarily violent or derogatory of any ethnic, racial, gender, religious, professional or age group, profane or pornographic, or contain nudity;
- Photos cannot promote alcohol, illegal drugs, tobacco, firearms/weapons (or the use of any of the foregoing), any activities that may appear unsafe or dangerous, or any particular political agenda or message;
- Photos cannot be obscene, offensive, or endorse any form of hate or hate group;
- Photos cannot defame, misrepresent or contain disparaging remarks about Endurance or its products or industry, or other people, products or companies;
- Photos cannot contain trademarks, logos or trade dress owned by others, or advertise or promote any brand or product of any kind other than Endurance, without permission, or contain any personal identification, such as license plate numbers, personal names, e-mail addresses or street addresses;
- Photos cannot contain copyrighted materials owned by others (including photographs, sculptures, paintings and other works of art or images published on or in websites, television, movies or other media) without permission;
- Photos cannot contain materials embodying the names, likenesses, photographs, or other indicia identifying any person, living or dead, without permission;
- Photos cannot communicate messages or images inconsistent with the positive images and/or goodwill to which Endurance wishes to associate; and
- Photos cannot depict a violation, and cannot themselves, be in violation of any law.
By submitting a photo, you acknowledge that your photo may be posted on this Site, at our discretion. We reserve the right to, and may or may not, monitor/screen photos prior to posting them to the Site. By submitting a photo, you acknowledge that we have no obligation to use or post any photo you submit.
By submitting a photo you warrant and represent that: (a) it is your original work and accurately reflects your experience with our product and that depictions are known to be true and are based upon your use of our product; (b) it has not been previously published; (c) it has not received previous awards; (d) it does not infringe upon the copyrights, trademarks, rights of privacy, publicity or other intellectual property or other rights of any person or entity; (e) you have obtained permission from a person whose name, likeness or voice is used in the photo (if any); (f) and that publication of the photo via various media, including Web posting, will not infringe on any third party rights; and (g) you will indemnify and hold harmless both Endurance and any parties involved in creating, producing, or delivering the photo submission from any claims to the contrary.
By submitting a photo, you agree that your submission is gratuitous, made without restriction, will not place Endurance under any obligation, and that we are free to disclose the ideas contained in the photo on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you.
You understand that submitting a photo grants Endurance and its agents an unlimited worldwide perpetual license and right to publish and use the photo in any way, in any and all media, without limitation, and without consideration to you. You acknowledge that, by acceptance of your submission, we do not waive any rights to use similar or related ideas previously known to us, or developed by Endurance’s employees, or obtained from sources other than you.
- Digital Millennium Copyright Act Notice
If you believe that any material on this Site, including Endurance and user provided material, infringes your copyright rights, please contact Endurance’s designated agent for Digital Millennium Copyright Act notices at:
Endurance Warranty Services, LLC
Attn: DMCA
400 Skokie Boulevard
Northbrook, Illinois 60062
Email address: [email protected]
Phone number: 847-790-3000
In your notice, please include:
- Your physical or electronic signature;
- Identification of the copyrighted work you claim to have been infringed, or, if there are multiple copyrighted works, a list of such works;
- Identification of the material that you claim to be infringing, and where the material is located on the Site;
- Your address, telephone number, and email address;
- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by you or the law; and
- A statement, under penalty of perjury, that the information in your notice is accurate.
If the notice is submitted by someone else on your behalf, the notice must also contain a statement that, under penalty of perjury, the person submitting the notice is authorized to act on your behalf.
- Limitation of Liability
By using this Site you agree that, to the fullest extent permitted under applicable law, none of the parties involved in creating, producing, or delivering this Site will be liable for any direct, incidental, consequential, OR indirect damages, or any other losses, costs, or expenses of any kind which may arise, directly or indirectly, through access to, use of, implementation of, or browsing of this Site or through your downloading of any materials, data, text, images, video or audio from this Site, including but not limited to anything caused by any viruses, bugs, or any computer system, phone line, hardware, software or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections.
- Dispute Resolution
Any controversy, claim or dispute arising between the parties, including, but not limited to, alleged violations of state or federal statutory or common law rights or duties (a “Dispute”) shall be solely and exclusively resolved according to the procedures set forth in this paragraph. If the parties are unable to resolve any Dispute through informal means, either party may initiate binding arbitration of such Dispute by sending notice demanding arbitration to the other party. The demand for arbitration shall be made within a reasonable time after the Dispute has arisen, but in no event shall it be made more than one year from when the aggrieved party knew or should have known of the controversy, claim or facts forming the basis of the Dispute. The arbitration shall be initiated and conducted according to American Arbitration Association rules and procedures for consumer arbitration (the “Arbitration Rules”). The arbitration shall be conducted in Cook County, Illinois before a single neutral arbitrator appointed in accordance with the Arbitration Rules with the option to appeal the arbitrator’s decision to Optional Appellate Arbitration in accordance with the Arbitration Rules. To the fullest extent permitted by law, the arbitrator shall not have the power to award special, consequential or indirect damages against any party. Arbitration costs and fees shall be determined in accordance with the Arbitration Rules. Each party will bear the expense of that party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines. No disputes may be arbitrated on a class or representative basis and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated. BY AGREEING TO THESE TERMS, EACH PARTY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE TO JOIN CLAIMS OR DISPUTES WITH THOSE OF OTHERS IN THE FORM OF A CLASS ACTION, CLASS ARBITRATION OR SIMILAR PROCEDURAL DEVICE; AND WAIVES ANY RIGHT IT MAY HAVE TO PRESENT ITS CLAIM OR DISPUTE IN A COURT OF LAW. Judgment on the award rendered by the arbitrator(s), if any, may be entered for enforcement purposes in any court having jurisdiction thereof.
- Indemnity
You agree to defend, indemnify, and hold Endurance, our affiliates, subsidiaries, joint ventures, third-party service providers, employees, contractors, agents, officers, and directors harmless from any and all liability, claims, and expenses (including reasonable attorneys’ fees) that arise out of or are related to your violation of these Terms or use of the Site.
- Sweepstakes
The Site offers sweepstakes from time to time. While no purchase is necessary to enter any such sweepstakes, you agree to comply with the official rules of the relevant sweepstakes advertised on this Site. Please do not enter if you are not a permanent resident of the eligible geographic area, or if you are otherwise ineligible as set forth in the particular sweepstake’s official rules. Entries received from persons residing outside of the eligible geographic areas, from other persons otherwise ineligible, or where restricted or prohibited by law will be disqualified.
- Careers
This Site may offer job opening information and may provide mediums for you to apply and submit your resume. You understand that nothing contained herein constitutes an offer of employment by Endurance.
- Privacy & Security
Our Privacy Policy is incorporated into these Terms. You acknowledge that the requesting URLs of the machine originating the request and the time of the request are logged for access statistics and security purposes and agree that your use of this Site constitutes consent to such monitoring. To access portions of this Site, you are required to obtain a user name and/or password. In such cases, you are responsible for maintaining the confidentiality of any such user name or password and are fully responsible for all activities that occur under such name and password. You understand that you can help protect your user name, password and personal information by logging out of password protected web pages before you close your browser. You agree to notify us immediately of any unauthorized use of your user name or password. Endurance maintains exclusive control of access and right of access to this Site. You understand and agree that we reserve the right to revoke your registration at any time without notice or cause of action for any reason whatsoever.
- Links
This Site may contain links to or be accessed through links that are owned and operated by independent third parties. We provide links as a convenience and the inclusion of the link does not imply that Endurance endorses or accepts any responsibility for the content on those sites. Endurance is not responsible for content including but not limited to advertising claims, special offers, illustrations, names or endorsement, or the availability, operation or performance of any other sites to which this Site may be linked to or from which this Site may be accessed. Further, Endurance is not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with the linked site, unless specifically stated therein. Your linking to any other off-site pages or other sites is at your own risk. We recommend that you review any terms of use statement and privacy policy before using any other linked site.
- Telephone Consent
By clicking “Get a Free Quote“, I agree by electronic signature: (1) that Endurance may use the contact information above to call, text or email me with additional information and offers using an automated dialing system or prerecorded messages (I understand that my consent is not required as a condition of purchase); and (2) to the Endurance Privacy Policy and Terms and Conditions (including arbitration provision). Std. msg. & data rates may apply. Messaging frequency may vary. Text HELP for help, STOP to unsubscribe.
- SMS Terms and Conditions
If you opt into Endurance’s SMS quote alerts Program (“Endurance Quote Alert Messaging Campaign”), you further agree to the terms and conditions outlined in this section.
Consent
By enrolling in the Program, you consent for Endurance to use an automated system to send automated SMS quote alerts to the telephone number(s) you provided at enrollment. You acknowledge that your consent to receive these messages is not required to purchase any goods or services.
Program Description and Cost
Supported carriers include: Associated Carrier Group (ACG), AT&T, Boost, ClearSky, Google Voice, Interop, Metro PCS, Peerless Network, Sprint, T-Mobile®, Truphone Limited, U.S. Cellular, Verizon Wireless, Virgin Mobile, and other major national and regional carriers. Supported carriers are not responsible for the Program and may not be held liable for any problem or claim arising in connection with it. The wireless carrier does not guarantee that alerts will be delivered and will not be liable for delayed or undelivered messages.
Message Frequency
Messaging frequency may vary.
Supported Carriers
Supported carriers include: Verizon, AT&T, T-Mobile, Sprint, and other major national and regional carriers.
Supported carriers are not responsible for the Program and may not be held liable for any problem or claim arising in connection with it. The wireless carrier does not guarantee that alerts will be delivered and will not be liable for delayed or undelivered messages.
Opt-Out
You may opt-out of the Program by texting STOP to 474747 or 66149. You consent to receive one message confirming your opt-out. If you are participating in any other text message programs provided by Endurance, you must opt-out of those programs separately.
Link to Privacy Policy here
Customer Support
You may obtain assistance with the Program by texting HELP to 474747 or 66149, or by emailing Endurance at [email protected].
Your Mobile Number & Indemnification
You represent that you are the account holder for the mobile telephone number you provided and that you are a United States resident 18 years of age or older. If your phone number changes, you must notify Endurance immediately at 1-866-432-4443. You agree to indemnify Endurance for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify Endurance immediately of a change in your telephone number.
- Accessibility
Endurance Warranty Services is committed to providing a positive customer experience and promoting the accessibility of our website, https://www.endurancewarranty.com/. We understand that individuals with varying disabilities may seek information on our website, and it is our goal to provide such individuals access to the content, features, and functionality available on the website. While we are taking steps to enhance the accessibility of our website, we recognize that some content, features, or functions may not be available or are not for all devices and programs.
If you are in need of any accommodation or have suggestions on how to improve the accessibility of this website, please email us at [email protected] or call (866) 432-4443.
Contact Information
Endurance Warranty Services, LLC
400 Skokie Blvd.
Northbrook, IL, 60062
Phone: (866) 432-4443
LAST UPDATED: 2/16/2023
SECTION I – INSURING AGREEMENT
We provide coverage under the coverage plan selected for the covered vehicle against an occurrence up to the term and mileage expiration, and subject to the terms, conditions, and provisions of this policy.
In reliance on the statements, you made to us, we agree to provide the insurance described in this policy. In return, you must pay the premium and comply with the policy terms. By accepting this policy, you agree that:
- The statements contained in the declarations page and your application are your agreements and representations;
- We have issued this policy in reliance on the truth of such representations; and
- This policy contains all agreements existing between you and us or any of our agents.
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.
SECTION II – DEFINITIONS
Throughout this policy, the words “you” and “your” refer to the named insured shown in the declarations page. The words “we”, “us” and “our” refer to the company providing this insurance. Other words and phrases that appear in bold face type have special meaning. They are defined as follows:
- Administrator means the Administrator as printed on the declarations page.
- Actual cash value means the average retail value of the vehicle as determined by the current NADA retail automobile guide or its equivalent, less any appropriate deductions for condition.
- Business use means but is not limited to the use of the covered vehicle for such activities as pickup and delivery services, service or repair calls, route work, job site activities, snowplow, farming, ranching, or hauling whether your covered vehicle is licensed, registered or titled for business purposes or not.
- Cost means the usual and fair charges for parts and labor necessary to repair or replace the covered parts. These charges shall not exceed manufacturer’s suggested retail price for parts, and labor allowances derived from nationally recognized labor time standards. Replacement will be made with parts of like kind and quality.
- Coverage plan means the particular coverage plan protection you have selected, as shown on the Coverage Information Section of the declarations page.
- Covered part means that part or parts of a covered vehicle which we have agreed to cover in the coverage plan that applies to the covered vehicle shown on the declarations page and which is not specifically excluded in the section “What is Not Covered and Non-Covered Parts”.
- Covered vehicle means the vehicle that is described in the declarations page.
- Current odometer means actual mileage which is registered on the odometer of your covered vehicle at the time this coverage plan is purchased.
- Effective date means the date that coverage becomes effective for the covered vehicle shown on the declarations page. Inception of coverage is subject to a thirty (30) day and one thousand (1,000) mile waiting period on Pre-Owned Vehicle plans before coverage begins. The waiting period will not reduce the actual time/mileage available under the Policy.
- Expiration date means the date shown on the declarations page, which is the date that, once exceeded, will cause this policy to expire, even if the expiration mileage has not been reached. (Note: This policy expires at the earlier of either the expiration date or expiration mileage, whichever occurs first).
- Expiration mileage means the total number of miles up to which coverage is afforded under this policy. Expiration mileage is derived by adding the miles from the Term Plan Selected (as indicated on the Declarations page) to the Odometer Mileage at Purchase (as indicated on the Declarations page). When the vehicle’s mileage as recorded on the vehicle’s odometer reaches the specified expiration mileage, coverage ends unless the expiration date has been reached prior to the expiration mileage having been reached.
- Lift kit and tire modification means vehicles with limited and properly installed lift kit and tire size modifications.
- Mechanical breakdown means the failure of a covered part on the covered vehicle due to a defect in the part or faulty workmanship as supplied by the manufacturer, making the part unable to mechanically perform the function for which it was designed. A mechanical breakdown does not include gradual reduction in operating performance as a result of normal wear and usage. The manufacturer has established tolerances for the express purpose of defining failure and serviceability. When a covered part fails to perform within the vehicle manufacturer’s specified tolerances, a mechanical breakdown will be considered to have occurred. Mechanical breakdown means a failure of a covered part due to:
- a defect in the part; or
- a defect in another covered part; or
- faulty workmanship of any covered part by the manufacturer.
It does not include failure of a covered part caused by a part that is not a covered part.
- Occurrence means a loss to a covered vehicle caused by the mechanical breakdown of one or more covered parts.
- Repairer means a franchised automobile dealer or licensed repair facility that provides a written parts and labor guarantee for covered repairs of not less than 3 months or 3,000 miles.
- Term and mileage expiration – NEW VEHICLE PLANS: This policy is effective on the effective date and expires on either the expiration date or the expiration mileage, whichever occurs first. PRE-OWNED VEHICLE PLANS: This policy is effective on the effective date and expires on either the expiration date or the expiration mileage, whichever occurs first.
- Warranty means any warranty of the manufacturer, a licensed repairer or a supplier’s guarantee.
SECTION III – COVERAGES
COVERED PARTS BASED ON COVERAGE PLAN SELECTED
The following numbered paragraphs are particular Component Groups. Coverage is afforded for Component Groups based on the coverage plan specified in the declarations page.
A. COVERAGE PLANS
POWERTRAIN PLUS Coverage Plan (Component Groups 1-5)
- Engine – (including diesels): All internally lubricated parts contained within the engine including: pistons; piston rings; connecting rod bearings; crankshaft; crankshaft main bearings; camshaft; camshaft bearings; cam followers; timing chain or belt; timing gears; guides; tensioners; rocker arms; rocker shafts; rocker bushings; cylinder head valves; valve covers; valve guides; valve lifters; valve springs; valve seals; valve retainers; valve seats; push rods; water pump; oil pump and oil pump housing; harmonic balancer; oil pan; timing chain cover; intake and exhaust manifold; valve covers; engine mounts; seals and gaskets, Rotary Engine Coverage: rotor chamber and all internal parts. Engine block and cylinder head(s) are only covered if damaged as the result of the failure of an internally lubricated part
- Turbocharger/Supercharger (factory installed only) –All internal lubricated parts including seals and gaskets. Turbocharger/Supercharger housings are only covered if damaged as the result of the failure of an internally lubricated part.
- Transmission – (Automatic or Standard): All internal parts including: torque converter; flywheel/flex plate; vacuum modulator; electronic shift control unit and solenoids; transmission cooler; transmission mounts; oil pan; seals and gaskets. Transmission Case is only covered if damaged as the result of the failure of an internally lubricated part. Coverage is not afforded for standard transmission clutch assemblies, or any of their component parts.
- Transfer Case – All internal parts including seals and gaskets Transfer Case is only covered if damaged as the result of the failure of an internally lubricated part
- Drive Axle – (Front and Rear): Drive axle case; all internal parts contained within the drive axle; locking hubs; drive shafts; center support bearings; universal joints; constant velocity joints (unless they are damaged by the failure of a leaking CV book or lack of lube); axle bearings; four-wheel drive actuator; differential cover; seals and gaskets.
ANY PART NOT LISTED IS NOT COVERED.
STANDARD Coverage Plan (Component Groups 1-10)
- Engine – (including diesels): All internally lubricated parts contained within the engine including: pistons; piston rings; connecting rod bearings; crankshaft; crankshaft main bearings; camshaft; camshaft bearings; cam followers; timing chain or belt; timing gears; guides; tensioners; rocker arms; rocker shafts; rocker bushings; cylinder head valves; valve covers; valve guides; valve lifters; valve springs; valve seals; valve retainers; valve seats; push rods; water pump; oil pump and oil pump housing; harmonic balancer; oil pan; timing chain cover; intake and exhaust manifold; valve covers; engine mounts; seals and gaskets, Rotary Engine Coverage: rotor chamber and all internal parts. Engine block and cylinder head(s) are only covered if damaged as the result of the failure of an internally lubricated part
- Turbocharger/Supercharger (factory installed only) –All internal lubricated parts including seals and gaskets. Turbocharger/Supercharger housings are only covered if damaged as the result of the failure of an internally lubricated part.
- Transmission – (Automatic or Standard): All internal parts including: torque converter; flywheel/flex plate; vacuum modulator; electronic shift control unit and solenoids; transmission cooler; transmission mounts; oil pan; seals and gaskets. Transmission Case is only covered if damaged as the result of the failure of an internally lubricated part. Coverage is not afforded for standard transmission clutch assemblies, or any of their component parts.
- Transfer Case – All internal parts including seals and gaskets Transfer Case is only covered if damaged as the result of the failure of an internally lubricated part 5. Drive Axle – (Front and Rear): Drive axle case; all internal parts contained within the drive axle; locking hubs; drive shafts; center support bearings; universal joints; constant velocity joints (unless they are damaged by the failure of a leaking CV book or lack of lube); axle bearings; four-wheel drive actuator; differential cover; seals and gaskets.
- Drive Axle – (Front and Rear): Drive axle case; all internal parts contained within the drive axle; locking hubs; drive shafts; center support bearings; universal joints; constant velocity joints (unless they are damaged by the failure of a leaking CV book or lack of lube); axle bearings; four-wheel drive actuator; differential cover; seals and gaskets.
- Steering – All internal parts contained within the steering box; rack and pinion gear; power steering pump; power steering hoses; steering knuckles; pitman arm; idler arm; tie rod and tie rod ends and drag link; steering dampner; upper and lower steering column shafts and couplings; including tilt-wheel mechanism; steering box and rack and pinion gear housings; seals and gaskets. Real Wheel Steering: rear steering shaft and couplings; power cylinder and pump; electronic control unit/solenoid; phase control unit; stepper motor; Steering-Box; control valve; rack tie; rod ends; seals and gaskets.
- Brakes: master cylinder; power brake cylinder; vacuum assist booster; hydro boost; disc brake caliper; wheel cylinders; compensating valve; brake hydraulic lines and fittings; hydraulic control unit; seals and gaskets. The following ABS parts are also covered: electronic control module; wheel speed sensors; hydraulic pump/motor assembly; pressure modulator valve/isolation dump valve; ABS relays; accumulator; seals and gaskets.
- Electrical – alternator; voltage regulator; starter motor; starter solenoid and starter drive; main engine compartment wiring harness; ECM/PCM; electronic ignition module; crank angle sensor; knock sensor; ignition switch; ignition switch lock cylinder; front and rear window wiper motor and P.C. board; washer pump and switch; stop lamp switch; headlamp switch; turn signal switch; heater/AC blower speed switch; manual heater/AC control head; horns; power door motor.
- Air Conditioner – condenser; compressor; compressor clutch coil and pulley; air conditioning lines and hoses; evaporator; idler pulley and idler pulley bearing; high/low compressor cut-off switch; expansion valve; pressure cycling switch; seals and gaskets. The following are also covered if damaged by a covered part listed above: accumulator/receiver dryer; orifice tube; oil and refrigerant; seals and gaskets.
- Front and Rear Suspension – upper and lower control arms; control arm shafts and bearings or bushings; upper and lower ball joints; radius arms and bushings; torsion bars and mounts or bushings; stabilizer bars; links and bushings; struts (excluding cartridge inserts); strut bearing mount/plates; spindle and spindle support; hub or wheel bearings; seals and gaskets. Variable Dampening Suspension: compressor; control module; air bags; actuator; solenoid; height sensor; mode selector switch; seals and gaskets.
ANY PART NOT LISTED IS NOT COVERED.
PREMIUM Coverage Plan (Component Groups 1 – 14)
- Engine – (including diesels): All internally lubricated parts contained within the engine including: pistons; piston rings; connecting rod bearings; crankshaft; crankshaft main bearings; camshaft; camshaft bearings; cam followers; timing chain or belt; timing gears; guides; tensioners; rocker arms; rocker shafts; rocker bushings; cylinder head valves; valve covers; valve guides; valve lifters; valve springs; valve seals; valve retainers; valve seats; push rods; water pump; oil pump and oil pump housing; harmonic balancer; oil pan; timing chain cover; intake and exhaust manifold; valve covers; engine mounts; seals and gaskets, Rotary Engine Coverage: rotor chamber and all internal parts. Engine block and cylinder head(s) are only covered if damaged as the result of the failure of an internally lubricated part
- Turbocharger/Supercharger (factory installed only) –All internal lubricated parts including seals and gaskets. Turbocharger/Supercharger housings are only covered if damaged as the result of the failure of an internally lubricated part.
- Transmission – (Automatic or Standard): All internal parts including: torque converter; flywheel/flex plate; vacuum modulator; electronic shift control unit and solenoids; transmission cooler; transmission mounts; oil pan; seals and gaskets. Transmission Case is only covered if damaged as the result of the failure of an internally lubricated part. Coverage is not afforded for standard transmission clutch assemblies, or any of their component parts.
- Transfer Case – All internal parts including seals and gaskets Transfer Case is only covered if damaged as the result of the failure of an internally lubricated part 5. Drive Axle – (Front and Rear): Drive axle case; all internal parts contained within the drive axle; locking hubs; drive shafts; center support bearings; universal joints; constant velocity joints (unless they are damaged by the failure of a leaking CV book or lack of lube); axle bearings; four-wheel drive actuator; differential cover; seals and gaskets.
- Drive Axle – (Front and Rear): Drive axle case; all internal parts contained within the drive axle; locking hubs; drive shafts; center support bearings; universal joints; constant velocity joints (unless they are damaged by the failure of a leaking CV book or lack of lube); axle bearings; four-wheel drive actuator; differential cover; seals and gaskets.
- Steering – All internal parts contained within the steering box; rack and pinion gear; power steering pump; power steering hoses; steering knuckles; pitman arm; idler arm; tie rod and tie rod ends and drag link; steering dampner; upper and lower steering column shafts and couplings; including tilt-wheel mechanism; steering box and rack and pinion gear housings; seals and gaskets. Real Wheel Steering: rear steering shaft and couplings; power cylinder and pump; electronic control unit/solenoid; phase control unit; stepper motor; Steering-Box; control valve; rack tie; rod ends; seals and gaskets.
- Brakes: master cylinder; power brake cylinder; vacuum assist booster; hydro boost; disc brake caliper; wheel cylinders; compensating valve; brake hydraulic lines and fittings; hydraulic control unit; seals and gaskets. The following ABS parts are also covered: electronic control module; wheel speed sensors; hydraulic pump/motor assembly; pressure modulator valve/isolation dump valve; ABS relays; accumulator; seals and gaskets.
- Electrical – alternator; voltage regulator; starter motor; starter solenoid and starter drive; main engine compartment wiring harness; ECM/PCM; electronic ignition module; crank angle sensor; knock sensor; ignition switch; ignition switch lock cylinder; front and rear window wiper motor and P.C. board; washer pump and switch; stop lamp switch; headlamp switch; turn signal switch; heater/AC blower speed switch; manual heater/AC control head; horns; power door motor.
- Air Conditioner – condenser; compressor; compressor clutch coil and pulley; air conditioning lines and hoses; evaporator; idler pulley and idler pulley bearing; high/low compressor cut-off switch; expansion valve; pressure cycling switch; seals and gaskets. The following are also covered if damaged by a covered part listed above: accumulator/receiver dryer; orifice tube; oil and refrigerant; seals and gaskets.
- Front and Rear Suspension – upper and lower control arms; control arm shafts and bearings or bushings; upper and lower ball joints; radius arms and bushings; torsion bars and mounts or bushings; stabilizer bars; links and bushings; struts (excluding cartridge inserts); strut bearing mount/plates; spindle and spindle support; hub or wheel bearings; seals and gaskets. Variable Dampening Suspension: compressor; control module; air bags; actuator; solenoid; height sensor; mode selector switch; seals and gaskets.
- Fuel Delivery – fuel pump; fuel injection pump and injectors; vacuum pump; fuel tank; fuel tank sending unit; metal fuel delivery lines.
- Cooling – radiator cooling fan and motor; fan clutch; belt tensioner; radiator; heater core; thermostat; blower motor; heater control valve.
- Enhanced Electrical – automatic climate control programmer; electronic instrument cluster; mileage computer; distributor; ignition coil; electronic combination entry system (does not include transmitters and receivers for remote locks); cruise control module; transducer; servo and amplifier; headlamp motor; power window motor; power mirror motor; power antenna motor/mast assembly; convertible top motor; power sunroof motor; power window switch; cruise control engagement switch; power seat switch; power mirror motor switch; rear defogger switch; power door lock actuator and switch.
- Luxury Package – Factory installed: CB radio; radar detector; stereo equalizer; on board global positioning system (programming is not covered); fax modem; built-in TV and VCR; video game system; computer system including printer.
ANY PART NOT LISTED IS NOT COVERED.
ELITE PLUS Coverage Plan
Elite Plus coverage provides all the coverage as listed above and also provides coverage for repair/replacement of ALL original equipment factory-installed mechanical and electrical operating parts and assemblies on the covered vehicle except those items under “What Is Not Covered and Non-Covered Parts”.
B. ADDITIONAL COVERAGES
- Towing: In the event of a mechanical breakdown covered by this policy/certificate, you will be reimbursed for reasonable towing expenses incurred up to $100 per occurrence. Any payment shall be for actual towing charges in excess of any applicable reimbursement from the manufacturer or any other towing coverage. No deductible will apply to this benefit.
- Rental Benefit: In the event of a mechanical breakdown of a covered part during the term of this policy, you will be reimbursed for alternate transportation expenses (excluding fuel, collision damage waiver and optional insurance charges), for a vehicle rental from a rental agency or dealer on the basis of $50 per day up to $250 for each repair visit. Included in the above rental benefit is a maximum of four (4) days when the repairs are delayed due to parts back order/or an inspection. One-day rental allowed for every 8 hours, or fraction thereof, of mechanical labor performed. No deductible will apply to this benefit.
- Trip Interruption: In the event of a mechanical breakdown of a covered part during the term of this policy, you will be reimbursed up to $125 per day for up to three (3) days for meals and lodging when the covered breakdown occurs more than 100 miles from your residence. Benefits are per breakdown and you must remain overnight for your lodging and meals between the date of the breakdown and the date the repairs are completed. You must provide to us valid lodging and meal receipts in order to be reimbursed. No deductible will apply to this benefit.
C. OPTIONAL COVERAGES
- Covered Part Cause of Loss – In the event a mechanical breakdown occurs to a non-covered part under this policy due to the failure of a covered part, the non-covered part will be repaired (as an exception to the standard exclusion).
- Emissions Coverage – In the event a mechanical breakdown occurs due to the failure of an emission component (except for catalytic converters, carburetor and exhaust systems), under this policy this option provides coverage as an exception to the standard exclusions.
- Business Use Option – Under this policy, this option provides coverage if the vehicle does not involve regular multiple drivers and is used for the following purposes: route sales, service, delivery, inspections, maintenance, repair, carrying tools to a job site and eligible vehicles owned by non-profit organizations.
- Lift Kit and Oversized Tires – Under this policy, this option provides coverage with the following limitations: the maximum body/suspension lift combined cannot exceed six (6) inches and any tire size modification cannot exceed four (4) inches taller and/or 3 inches wider than the original manufacturer’s installed tire size. Any other vehicle modifications are excluded.
- Snowplow Option – Under this policy, this option provides coverage if the vehicle is properly equipped for such use by the manufacturer. The snowplow itself is not covered. This option must be purchase in conjunction with the Business Use Option.
SECTION IV – EXCLUSIONS
The exclusions under this policy include parts not covered under any plan as well as those conditions involving the use and maintenance of your vehicle as fully described in this policy.
WHAT IS NOT COVERED
This policy does not provide coverage for:
- Repairs to any part or parts of the covered vehicle not specifically listed in the schedule of the coverages section of this policy;
- Any of the following parts: CB radio, radar detector, stereo equalizer, on board global positioning system, fax modem, built-in TV and VCR, video game system, computer system including printer, carburetor, battery, battery cables, shock absorbers, manual transmission clutch assembly (friction clutch disc, pressure plate and throw out and pilot bearing), manual and hydraulic linkages, transmission and brake cables, distributor cap and rotor, safety restraint systems (including air bags), glass, lenses, headlamps and projection lamp assemblies, sealed beams, light bulbs, fuses, circuit breakers, brake rotors and drums, exhaust pipes, emission components, windshield wiper arms, weather strips, trim, moldings, bright metal, chrome, upholstery and carpet, zippers, nuts, bolts and fasteners, freeze plugs, cup holders, ash trays, dash pad, squeaks, rattles, water leaks, wind noise, seat frames, paint, outside ornamentation, inside and outside door handles, hinges, mirrors, mirror hinges, mirror housings, hubcaps, bumpers, body sheet metal and panels, body parts, frame, brackets and structural body parts, vinyl and convertible tops, tires, and wheels/rims/studs, provided, however, that (1) ash tray assemblies, seat frames, door hinges and mirror hinges are covered if the Premium Coverage Plan or Elite Plus Coverage Plan has been selected and purchased; and (2) factory installed: CB radio, radar detector, stereo equalizer, on board global positioning system, fax modem, built-in TV and VCR, video game system, computer system including printer are covered if the Premium Coverage Plan or Elite Plus Coverage Plan has been selected and purchased.
- Maintenance services and parts described in your vehicle owner’s manual as supplied by the manufacturer and other normal maintenance services and parts which include, but are not limited to: alignments, adjustments, cleaning, wheel balancing, tune-ups, spark plugs, spark plug wires, glow plugs, hoses (except high pressure steering and air conditioning), drive belts, brake pads, brake linings/shoes, wiper blades, shop supplies and environmental waste charges, filters, lubricants, coolants, fluids and refrigerants may be covered if replacement is required in connection with a mechanical breakdown.
- Damage and/or mechanical breakdown resulting from collision, road hazard, fire, theft, vandalism, riot, explosion, lightening, earthquake. Windstorm, volcanic eruption, freezing, rust or corrosion, hail, water or flood, acts of God, salt, environmental damage, chemicals, contamination of fluids, fuels, use of fuels containing more than 10% ethanol (if the engine was not manufactured for this fuel mixture), coolants, or lubricants.
- Any mechanical breakdown caused by misuse, abuse, negligence, lack of scheduled maintenance required by the manufacturer’s maintenance schedule for your vehicle, or improper servicing or repairs performed by you or a repair facility. Any mechanical breakdown caused by sludge build-up, lubricant blockage or the failure to maintain proper levels of lubricants and/or coolants, or any mechanical breakdown resulting from failure to protect your vehicle from further damage when mechanical breakdown has occurred.
- Any repair or replacement of any covered part if a mechanical breakdown has not occurred or if the wear on that part has not exceeded the published field tolerance allowed by the manufacturer.
- If any alterations have been made to your vehicle or you are using or have used your vehicle in a manner not recommended by the manufacturer, including, but not limited to damages resulting from the failure of any custom or add-on part, all frame or suspension modifications, lift kits, oversized/undersized tires, trailer hitches, engine modifications, transmission modifications, and/or drive axle modifications, emissions and/or exhaust system modifications provided, however, that emission components (except for catalytic converters, exhaust systems and carburetors) are covered if Emissions Coverage is included as an optional benefit under the schedule of coverages attached to this policy.
- Vehicles that do not have valid manufacturer’s VINs or are title branded as salvage, junk, rebuilt, totaled or flood damaged.
- Mechanical breakdowns, if the vehicle odometer is broken, has been altered and/or ceased to operate so the actual vehicle mileage cannot be determined.
- Any liability for property damage, or for injury to or death of any person, arising out of the operation, maintenance or use of your vehicle, described in this policy, whether or not related to the parts covered for loss of use, time, shop delays, profit, inconvenience, or any other loss or incidental or consequential damages, (except as otherwise may be provided under the schedule of coverages) including any consequential damage to a non-covered part that results from a mechanical breakdown.
- When the responsibility for the repair is covered by an insurance policy, supplier or repairer guarantee/warranty, manufacturer and/or dealer customer assistance program or any warranty from the manufacturer such as extended drive train, major component or full coverage warranties (regardless of the remaining manufacturer’s warranty when you purchased this policy or the manufacturer’s or repairer’s ability to pay for such repairs). Further, coverage under this contract is similarly limited in the event of a mechanical breakdown if the manufacturer has announced its responsibility through any means, including public recalls and factory service bulletins.
- If your vehicle is used for towing a trailer or another vehicle or object unless your vehicle is equipped with factory installed or factory authorized tow package, or is used as a commercial unit, or is used for rental, taxi, limousine or shuttle, delivery, towing or road repair operations, construction, job site activities, hauling, police or emergency service, principally off-road use, racing or competitive driving, snow removal (unless optional snowplow and business use coverage have been selected), route-work, service or repair. Pool cars, job site activities, snowplow activities, farming, ranching, hauling, delivery, route-work, service or repair use not involving regular multiple drivers or weight or towing in excess of manufacturer’s recommendations, shall not be excluded, provided that optional Business Use Coverage has been selected and purchased.
- Any mechanical breakdown occurring prior to the policy effective date, or any mechanical breakdown during any applicable waiting period described under the definition of effective date.
- Any mechanical breakdown, if the repair information provided by you or the licensed repair facility is not true.
- Mechanical breakdowns that occur to your vehicle outside the United States of America or Canada.
SECTION V – LIMIT OF OUR LIABILITY
Our liability for any mechanical breakdown shall not exceed the actual cash value of the vehicle at the time of a mechanical breakdown. The total of all benefits paid or payable during the term of the policy shall not exceed the covered vehicle purchase price.
SECTION VI – CANCELLATION
You may cancel this policy by returning it to us; or by notifying us in writing when, at a future date, cancellation is to take effect.
We may cancel this policy by mailing or delivering to you at the address shown in the declarations page, written notice of the cancellation. If we cancel because you fail to pay premium when due, we will give you at least ten (10) days advance written notice. If we cancel for any other reason, we will give you at least thirty (30) days advance written notice or the amount required by law. Proof of mailing will be sufficient proof of notice. The lienholder (if any) may cancel this policy for nonpayment or if your vehicle is declared a total loss or is repossessed by providing written notice of cancellation at least ten (10) days before the effective date of cancellation. If the policy is canceled for any of these reasons, any refunds will be issued to the lienholder on behalf of your account.
Refunds -Within the first sixty (60) days (NEW VEHICLE PLANS) or the first thirty (30) days (PRE-OWNED VEHICLE PLANS) of the effective date, we will refund the entire premium you paid. After your policy has been in effect for sixty (60) days (NEW VEHICLE PLANS) or thirty (30) days (PRE-OWNED VEHICLE PLANS) we will refund the return amount of the premium calculated pro rata reflecting the greater of the days in force or the miles driven based on the lesser of unused days or unused miles of coverage available. A $25 cancellation fee will be withheld from the refund. For PRE-OWNED VEHICLE PLANS, during the 30-day and 1,000 mile waiting period before the effective date, we will refund the entire premium you paid. If the return premium is not refunded with the notice of cancellation, we will refund it within a reasonable time after the date cancellation takes effect. But cancellation will be effective even if we have not made or offered a refund.
SECTION VII – GENERAL CONDITIONS
- Arbitration – Any controversy or claim arising out of or relating to this policy or the breach thereof, may be settled by mutually agreed upon arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Any arbitration shall be conducted in the judicial district of purchase and pursuant to the rules of the American Arbitration Association.
- Assignment of Policy – You may not assign or transfer this policy to another person without our written consent.
- Condition of Vehicle – This policy is void as to any covered vehicle if (1) that covered vehicle was not in good mechanical condition at the effective date of this insurance; or (2) any part of that vehicle needed repair or replacement as of that date.
- Conformity to State Statutes – When the policy provisions are in conflict with the applicable laws of the state, the provisions are amended to conform to such laws.
- Coverage Changes – This policy contains all the agreements between you and us. Its terms may not be changed or waived except by endorsement issued by us and made a part of this policy.
- Fraud or Misrepresentation – This policy is issued in reliance upon the truth of all representations made by you. We will not pay a claim where you made any misrepresentations, omissions, concealed facts or made incorrect statements that were: (1) fraudulent; (2) material either to the acceptance of the risk, or to the hazard assumed; or (3) we, in good faith, would either not have issued the policy or would not have issued a policy in as large an amount, or would not have provided coverage with respect to the hazard resulting in the loss, if the true facts had been made known to us as required either by the application for the policy or otherwise. If you have concealed or misrepresented any material fact(s), or circumstance(s) concerning this insurance, or in the case of fraud, attempted fraud, or the false swearing affecting any matter relating to this insurance, whether before or after a loss on a continuing basis, this policy may be cancelled and any unearned premium will be returned.
- Legal Action Against Us – No suit or action may be brought against us unless there has been full compliance with all the terms of this policy. Any suit or action must be brought within one year after the occurrence.
- No Benefit to Bailee – We do not cover, directly or indirectly, any person or organization transporting or holding property for a fee.
- Payment for Covered Repairs – In the event of a mechanical breakdown of a covered part, we will at our option, repair, replace, pay for, or reimburse you or the licensed repair facility for the reasonable cost to repair or replace each covered part, less your deductible, if any. The maximum allowance for covered repair time is governed by established industry time and labor guides. Repairs and/or replacements will be made with parts of like kind and quality. We will pay within thirty (30) days after the amount of loss is finally determined. The amount may be determined by an agreement between you and us, a court judgment or an arbitration award.
- Policy Period – This policy is effective on the effective date and unless the policy is cancelled, expires based on either elapsed time from the effective date, or when the vehicle has accumulated the total mileage limitation, whichever shall occur first, based upon the Term/Mileage selected as shown in the declarations page.
For pre-owned vehicles, no coverage will be provided under this policy during the thirty (30)-day period of time following the policy effective date and for the first one thousand (1,000) miles the covered vehicle is driven after this policy effective date, as calculated from the Odometer Mileage at Purchase shown on the Declarations page, whichever occurs first.
For pre-owned vehicles, the expiration date is determined by adding the months of the Term Plan Selected shown on the Declarations page to the policy effective date, plus thirty (30) days, and the expiration mileage is determined by adding the mileage of the Term Plan Selected shown on the Declarations page to the Odometer Mileage at Purchase shown on the declarations page, plus one thousand (1,000) miles.
- Policy Territory – This policy applies to a mechanical breakdown occurring only within the United States and Canada.
- Protection of Vehicle – Following an occurrence you must take all reasonable steps necessary to protect the vehicle against further loss.
- Right to Recover – If anything is paid under this policy and you have the right to recover from another party, your rights become subrogated to us up to the amount paid. You must do whatever is necessary to enable us to enforce these rights.
SECTION VIII – HOW TO MAKE A CLAIM
CLAIMS SERVICE: [AMT Warranty Corp, 59 Maiden Lane, 6th Floor, New York, NY 10038. Office hours are Monday through Friday, 8AM to 5PM and Saturday, 9AM to 4PM, Eastern Standard Time. CLAIMS SERVICE TOLL FREE PHONE NUMBER: Nationwide (800) 871-0467.]
It is a condition for coverage that BEFORE ANY REPAIR or replacement is made, you MUST GIVE NOTICE TO THE CLAIMS SERVICE. NO REPAIR OR REPLACEMENT SHALL BE PERFORMED UNLESS FIRST APPROVED BY THE CLAIMS SERVICE. The Claims Service shall have a reasonable period of time to exercise its option to inspect the vehicle. You must authorize tear down, if necessary to facilitate an internal inspection. If inspection fails to reveal a covered mechanical breakdown, you must bear the cost of tear down and any corrective repairs and/or reassembly. If the mechanical breakdown is covered under the policy, we will pay the reasonable cost to tear down.
In the event of a mechanical breakdown, you MUST follow this procedure:
- Take immediate action to prevent further damage. This policy will not cover the damage caused by not securing a prompt repair of the failed component.
- Take your vehicle to a licensed repair facility and contact the Claims Service at the above number before repairs begin.
- Provide receipts for required maintenance servicing.
- Pay the applicable deductible and any other non-covered charges.
If you need emergency repairs when a covered mechanical breakdown occurs and you cannot obtain approval from the Claims Service because the Claims Service is closed, you must do all of the following:
- Have a licensed repair facility provide you with a written diagnosis explaining the nature of the mechanical failure, what caused it, and the necessary repairs.
- Have your vehicle repaired; pay for such repairs and save all receipts. Repairs must not exceed $350.
- Save all replaced parts until the Claims Service notifies you whether it wishes to exercise its right to inspect them.
- Prepare a letter of explanation as to what occurred and why you were unable to contact the Claims Service for prior approval.
- All items as indicted in 1, 2 and 4 above must be submitted to the Claims Service at the above address within ten (10) days of completed repairs.
- If Claims Service re-opens before repairs to your vehicle are completed, you MUST IMMEDIATELY contact the Claims Service for instructions before continuing with repairs. Failure to comply with the above procedures will result in a denial of coverage.