No. A vehicle protection plan (typically structured as a vehicle service contract) is not
insurance. Auto insurance covers collision damage, theft, and liability claims. Service
contracts focus strictly on eligible mechanical and electrical breakdown repairs.
Pre-existing conditions—mechanical issues or component failures that existed prior to contract
start or during initial validation periods—are excluded from coverage under standard contract
terms.
Yes. Vehicle service contracts require owners to perform regular manufacturer-recommended
maintenance (such as oil changes and fluid flushes) and keep verifiable maintenance receipts.
Absolutely. We encourage every vehicle owner to carefully review sample terms, coverage
definitions, exclusions, deductibles, and authorization protocols prior to selection.
When an eligible breakdown occurs, take your vehicle to a licensed ASE-certified repair
facility. The shop diagnoses the problem and contacts the administrator for claim authorization
before performing work.
Standard exclusions include routine maintenance wear-and-tear items (brake pads, rotors, tires,
wiper blades, spark plugs), cosmetic trim, body panels, glass, and damage resulting from misuse
or lack of maintenance.
You can utilize any licensed repair facility or dealership across the United States and Canada,
provided they obtain administrator authorization prior to starting repairs.
Deductible options vary depending on the chosen contract tier and program terms (e.g., $0, $50,
or $100 per repair visit).
Most vehicle service contracts are transferable to subsequent private vehicle owners subject to
program transfer guidelines and administrative fees.
Contracts contain cancellation provisions. Generally, cancellations within the initial review
period (e.g., 30 days) receive a full refund, while subsequent cancellations receive pro-rated
refunds minus applicable fees.
Upon authorized completion of covered repairs, the administrator pays the repair facility
directly via credit card or electronic transfer for covered parts and labor.
No. Motorworks Engine is an independent platform for vehicle protection plans and service
contracts, and is not affiliated with any vehicle manufacturer or government entity.
