Questions

What is an extended vehicle warranty?
Who insures your warranties?
Do Warranty Direct's plans cover damage due to overheating?
Can I really take my vehicle anywhere for repairs?
How are repair claims paid?
How do deductibles work?
Do I really need an extended auto warranty?
Why buy now? Especially if I still have a manufacturer warranty.
What if my car repair facility won't take your plan?
What if I want to cancel my warranty?
Is my warranty transferable?
Do you offer payment plans?
Has Warranty Direct been graded or evaluated for quality?
When is the best time to buy coverage?
What risks do I have if I delay purchasing coverage?
How do claims work?
Why is Warranty Direct the best value?

Answers

What is an extended vehicle warranty?

Also sometimes known as a vehicle service contract, an extended auto warranty is a plan that can be purchased by a consumer that will cover the costs of repair, parts, labor, and/or sales tax for certain repairs or replacements. They work very similarly to the manufacturer warranty that comes with most new vehicles.

Who insures your warranties?

Our warranty protection involves 2 layers of consumer protection; the administrator and the insurer. With Warranty Direct, you can be sure we'll be here when you need us. As the consumer division of Interstate National Dealer Services, we administer our own claims, have 29 years of experience, have sold nearly 2 million vehicle service contracts and paid nearly $600,000,000.00 in claims. As the administrator, we are the company that is responsible for paying your claims. We have been named to the Forbes Magazine list of the "Top 200 Companies" three times. Financial stability was the major factor considered by Forbes in naming companies to this prestigious list.

When it comes time to pay your claim, you can count on us. With our 29 years of experience, we are expert at reserving the proper amounts of money to insure adequate funds are available to pay your claims. With assets in excess of $350 million, you can be sure sufficient funds are available to pay your claim.

In addition to our financial stability, all of our contracts are insured by Dealers Assurance Company (DAC) with an A- Excellent rating by A.M. Best. DAC has maintained their A- Excellent rating for over 23 years.

The combination of a financially strong administrator and A- Excellent rated insurer make your investment in Warranty Direct completely safe. You'll be hard pressed to find an administrator with the financial stability and asset base that our company has.

Do Warranty Direct's plans cover damage due to overheating?

Absolutely! We do NOT have an overheating exclusion in any of our extended auto warranty contracts. We realize that even with proper care and maintenance, vehicles sometimes overheat and cause extensive damage. As long as you acted appropriately to try and prevent overheating and any additional damage, your claim will be covered. This is also part of why we offer all members free roadside assistance - so that in case their vehicles do overheat, we can send someone to help out fast.

Can I really take my vehicle anywhere for repairs?

Yes, you really can choose any dealer, national chain, or local mechanic to perform the repairs on your vehicle. Unfortunatelly, this is not true of all extended vehicle warranty providers.

How are repair claims paid?

This is one of the best aspects of being a Warranty Direct extended car warranty customer. Claims are incredibly simple. Bring the vehicle to the repair facility of your choice, present your Warranty Direct membership information to the service professional so that they may contact our claims department. We'll pay for any covered repairs via our company credit card over the phone. All you pay is your deductible (if any). There is no paperwork, no limit on the number of claims you file, and no need to pay first and then work to be reimbursed.

How do deductibles work?

With Warranty Direct, each repair visit, no matter how many items need to be fixed will only require payment of one deductible. Many extended car warranty plans offer a zero deductible option where you'll never reach into your pocket for a covered repair.

Do I really need an extended auto warranty?

Your vehicle is a big investment. You likely spent a lot of money to acquire it. The longer it stays in great working condition, the more value you get from your investment. Extended auto warranties are designed to protect your investment by keeping your vehicle in good, drivable shape without you having to incur a lot of extra repair costs.

Considering that the average hourly rate for mechanic labor is over $100 an hour, labor alone can be a smart reason to have an extended car warranty. When you also consider how expensive parts and systems can be to fix, the choice becomes quite clear.

Why buy now? Especially if I still have a manufacturer warranty.

Just like health insurance or life insurance, the better shape your vehicle is in when you obtain coverage, the better your rates and pricing will be. It actually costs far less to extend the warranty on a newer vehicle in tip-top shape than it does for an older vehicle that's fallen into disrepair. By buying today, you lock in the costs of an extended warranty plan now, while your vehicle's at its best.

What if my car repair facility won't take your plan?

We find it rarely happens that a repair facility won't accept our extended auto warranty plans. Warranty Direct makes a habit of paying immediately and bases pricing on industry standard manuals. In fact, many repair facilities are eager to do business with us once they learn that they do not have to bill us. Still, if you are concerned that your repair facility will not accept one of our plans, we'd be happy to contact the facility and establish a relationship before you purchase a plan. Should you find that a repair facility will not accept our plan for any reason, we will send you a prompt reimbursement for the covered amount.

What if I want to cancel my warranty?

Although we're certain you'll love your Warranty Direct extended car warranty plan, we are more than happy to offer a money-back guarantee if you are not satisfied with your plan. Most plans can be canceled within either 30 or 60 days for a full refund. After that time period, a pro-rated refund will be issued for the unused portion of your contract.

 

 

Is my warranty transferable?

Yes! It most certainly is. For a modest transfer fee of $50 or less, you can pass your extended vehicle Warranty Direct plan onto the future owner of your vehicle should you decide to sell it while you're covered. This can be a big incentive for a buyer to select your vehicle over another.

Do you offer payment plans?

Because our top priority is always to make sure you and your vehicle are covered, we gladly offer a variety of payment plans so that you don't have to wait for coverage. Our EZPay plan allows you to put down a small down payment of the plan's total cost and then have your credit card, debit card or checking account charged for as many as 18 equal monthly installments for the balance depending on the length of coverage you purchase. Or, if you prefer, we can customize a plan for fewer monthly payments. No matter which payment option you choose, we will pay any covered claim regardless of whether your extended auto warranty plan is paid in full.

Has Warranty Direct been graded or evaluated for quality?

Yes. We are extremely proud of our nearly 30 year track record with over $600 million in paid car repair claims. Besides our more than 2 million satisfied customers, we are also licensed and registered to do business in all 50 states which is a direct reflection of our ethical business practices and high standards of service. As well, we are verified or recognized by the following companies:

Dun & Bradstreet
The Better Business Bureau
WebAssured.com
Forbes Magazine's Top 200 Companies List

When is the best time to buy coverage?

A common misconception is that by waiting to purchase extended coverage, you will get coverage for a longer time. Much like life insurance costs rise as we age, the cost for a car warranty will rise as the vehicle ages and accrues mileage. You will be offered the longest terms and the lowest rates for newer vehicles with lower mileage.

Warranty Direct understands that you may have a warranty from the manufacturer. Their coverage is simply an extension of that, not double coverage. The manufacturer's warranty has been factored into your price quote. The more factory warranty you have remaining, the lower the cost and greater the length of the warranty extension. In other words, you are paying for tomorrow's coverage at today's rates. In addition, Warranty Direct's Roadside Assistance benefit may prove to be invaluable during the Manufacturer's Warranty period.

FACT: The newer your vehicle, the lower the rates for extended coverage.

What risks do I have if I delay purchasing coverage?

• Coverage costs rise annually as parts and labor costs rise. Labor rates have risen by $15- $20 per hour in the past several years.
• As the vehicle ages and more repair data becomes available, many vehicles are placed into higher rate classes. Once you buy coverage, your rate class can not change.
• As the vehicle accrues mileage, it moves into higher rate classes.

How do claims work?

Warranty Direct lets you use the repair facility of YOUR choice (dealer, national chain, local mechanic) and pays your claim quickly and efficiently over the phone via their corporate credit card. Simply present your Warranty Direct Membership Card to the service professional, who in turn will contact their claims department. You simply pay your deductible (if any). They cover parts, labor and even sales tax, if applicable. There is no paperwork, no need to lay out any money and no limit on the number of claims you may have. With over 50 people dedicated to handling claims, they are proud that we process claims faster than anyone else in the industry. Warranty Direct has done business with over 21,000 repair facilities across the country; their acceptance is the widest in the industry.

Why is Warranty Direct the best value?

Because reducing your risk is what it's all about. We are aware of no other company that offers you coverage as comprehensive as theirs, with fewer exclusions, contractual benefits and the financial stability of a nearly 30 year old company that has sold and administered nearly 2 million warranties and paid over $500 million in claims.

With others, that is not the case. You are really buying a plan from an unknown third party company. It is that company that you need to research. You may find a lower price but you'll never find a better value. The more you review their offering and know the facts about cheaper online offerings, the less attractive they look. We all know the feeling of getting the cheapest price only to find out the product did not deliver as advertised. That may be fine with bargain grocery store items but can you really afford to take risks with a warranty for your car?

Our visitors tell us they are looking for comprehensive coverage and benefits, and a documented, financially stable company. No other company can match Warranty Direct's reputation, comprehensive coverage, outstanding benefits and longevity. Their FREE 24x7 roadside assistance, car rental reimbursement, trip interruption are all part of one insured contract. You may find cheaper coverage but you won't find more comprehensive coverage nor a company with a better track record than Warranty Direct.

The Company

Warranty Direct is NOT an Internet only company, that can be a very risky business model. They have a nearly 30 year track record of selling extended auto warranties through wholesale channels such as manufacturers, car dealers, banks and credit unions. Why pay the car dealer's markup when you can buy the same coverage direct?

Many of the 50 states have licensing/registration requirements to make sure auto warranty companies are financially sound and/or properly insured. A growing number of states, including New York, Florida and California have very strict requirements when it comes to issuing licenses. Warranty Direct's ability to market in all states reflects their financial stability and claims history.

Warranty Direct's commitment to Customer Service is unmatched. They are members in excellent standing of the Better Business Bureau and WebAssured.com. Their reports show the fewest number of complaints in the industry and the most verified customer testimonials.

No matter which car warranty you choose, you'll find their coverage to be the most comprehensive with consumer friendly contract language that is straight forward and easy to understand. All Warranty Direct plans include:

Peace of Mind Benefits

All their automobile warranties include FREE roadside assistance for the LIFE of the warranty. No other company offers this. Need a tow, a tire changed, battery jump started, mechanical first-aid - ALL COVERED with their plan. This is not a reimbursement plan or one tied to covered repairs only but a true nationwide roadside assistance plan. You will never be stranded on the side of the road with no one to call. They also include car rental reimbursement and travel interruption protection. Their protection is available 24 hours a day!

That's the Warranty Direct difference.

A blanket of protection for your vehicle and peace of mind for you.