Vehicle Protection

The Protective® Vehicle Protection Plan

Buying an automobile is often the second largest expense for individuals and families. When you aren’t protected, costs can add up quickly.

Why Protective Vehicle Protection

The Vehicle Protection Plan from Protective Asset Protection guards you against the rising repair costs of mechanical and technological failures. Our exclusive plans are designed to meet the needs of vehicle owners and offer the protection they need now and in the future.

The car is already the third fastest growing technological device after phones and tablets.

2013 Intel Industry Report.

Coverage Options

For more than 50 years, Protective Asset Protection has provided vehicle owners the peace of mind they want with the protection they need. Our protection plan options ensure you have a choice in the coverage you prefer.


Provides our most extensive coverage on new and pre-owned vehicles.

The COMPLETE COVERAGE LEVEL covers any part experiencing a mechanical breakdown except for those parts listed as excluded under the service contract.


Everything covered in ENHANCED, plus: Brakes, Suspension & Steering, Electronics, Safety and Enhanced Electrical.


Everything covered in POWERTRAIN, plus: Basic Electrical, Fuel, Heating & Cooling, Air Conditioning, Brakes and Enhanced Hybrid Components.


Engine, Transmission, Front and Rear-Wheel Drive Train, Hybrid Components and Associated Fluids, Filters, Lubricants, Seals and Gaskets.

Wrap Coverage

Factory and/or dealer powertrain warranties are limited to major components. Wrap Coverage is an exclusionary level of coverage that is designed to “wrap” around factory and/or dealer powertrain warranties protecting many of the other vehicle components, subject to specified exclusions.  A complete list of exclusions appears in the contract. Since the factory and/or dealer powertrain warranty covers the powertrain portion of your vehicle, Wrap Coverage does not cover the following component groups*:

  • Engine
  • Transmission
  • Transfer Case
  • Drive Axle

    * The term of your Wrap Coverage may not coincide with the term of your factory and/or dealer powertrain warranty.

Optional Coverage

We offer additional coverage for:

  • Commercial Vehicles
  • Conversion Units
    Includes base units for electronic audio, video and gaming equipment
  • Mobility Equipment
    Includes chair lift motors and assemblies, electric/hydraulic ramp controls and assemblies, adjustable seating mechanisms, adjustable pedal and steering control mechanisms, hoist and swing-arm mechanisms
  • Air Conditioning (for Powertrain Coverage only)
  • Snow Plow

Additional All-Inclusive Benefits

The Protective Vehicle Protection Plan provides you peace of mind knowing you’re protected against costly repairs and includes additional valuable benefits when it matters most..

24hr Roadside Assistance

Vehicle owners receive up to $175 of coverage per incident for emergency roadside assistance available for the following:

  • Towing
  • Flat tire equipment
  • Fuel, water or other fluid delivery (excluding the cost of fluids)
  • Lock-out assistance
  • Jump start (excluding hybrid main power cell batteries)

Rental Vehicle Coverage

You receive reimbursement for up to $50 per day for up to $300 for a rental vehicle while your vehicle is undergoing a covered repair, plus some additional days for certain delays.

Trip Interruption

We reimburse you for meals and lodging expenses for up to $175 per day for a maximum of 3 days when your vehicle is undergoing a covered repair due to a mechanical breakdown occurring more than 100 miles from your home address and the repair facility keeps the vehicle overnight.


Coverage is subject to deductibles, limits and exclusions. The contract covers repairs only of covered part and only when they suffer a breakdown, as defined in the contract. Under some circumstances, a breakdown of a covered part may not be covered. For example, failure due to misuse or lack of proper maintenance or when a non-covered part causes a covered part to fail.

The exclusions contain a list of parts not covered, some of which may be associated with a covered part. For example, brake drums, pads and rotors, exhaust pipes, mufflers and catalytic converters, body and trim items. Please review service contract for all details.

Contact Your Dealer for More Information