Auto Service Contracts Coverage OverviewPay My Repairs
Since 1989, PayMyRepairs.com has brokered extended service contracts for vehicle owners, offering the best protection against the pitfalls of car ownership. The insurance providers whose plans are listed below are all stand-outs in the field. They deliver on expectations, and they are the most reliable providers in the market (more information here).
All of our extended service contracts include 24-hour towing, rental car replacement, and 24-hour lost key and lockout service – nationwide. Our extensive network gives our customers the peace of mind that – no matter where they are when the vehicle breaks down – help is right around the corner.
PayMyRepairs.com makes the selection process easy by giving you the best, extended service contracts on the market today. We post the highest-value deals where you can view and compare contracts at your convenience.
Every extended service contract on PayMyRepairs.com is direct-insured, meaning that the plan is backed by an AM Best rated insurance company. For your added security, every offering is authorized for sale and monitored by state government. Please scroll down to find the safest and most secure extended service contracts on the market today.
The best way to start: select extended service contracts based on vehicle mileage
Coverage plans are designed to provide the highest value to vehicles within a specified age and mileage range. If you are looking for the highest value, most comprehensive coverage available, we suggest matching the mileage of your vehicle to the plans below.
Auto Service Contract Plans
Premium Stated Component Coverage (Vehicles under 100,000 miles)
A broad blanket of protection against major repairs (and many of the minor problems that can take drivers by surprise). More information…
Stated Component Coverage Plans (Vehicles under 135,000 miles)
Less coverage but more cost effective than Premium Stated Component Service Contract Plans. More information…
Premium Powertrain Plus Coverage Plans (Vehicles under 175,000 miles)
Ideal for car owners who need a backup plan in case lightning strikes, and who also want to lessen what they pay out of pocket for common repairs. More information…
Premium Powertrain Coverage Plans (Vehicles under 250,000 miles)
Make sure those $X,000+ bills for engine train replacement go straight to the insurance provider. More information…
PLEASE NOTE: If your vehicle has a pre-existing condition, the insurance provider will not pay for repairs.
Unfortunately, some of our clients have bought a new extended service contract with the full knowledge that their vehicle is already in need of expensive repairs. This practice is all too common in our industry, and it only causes a headache for everyone involved – insurance provider and claimant.
First, we would like to say: We get it. No one expects a car breakdown or costly repair, and sometimes, paying to get the car back in running condition is financially impossible. That is why we offer great plans to our clients – so that accidents like these do not send people into debt or disruption. But if your vehicle has a pre-existing condition, and you intend on buying a new extended service policy to pay for the repairs, then we advise you take a step back.
An extended service contract is designed to pay for problems that might occur in the future, not to repair problems that already exist.
To protect their customers, extended service policies do not go into effect until the end of a mandatory grace period. Typically, this period lasts for 30 days AND 1,000 miles. After the contract is purchased, the vehicle needs to drive at least 1,000 miles, and at least 30 days need to pass before the contract will take effect. All damages suffered to the vehicle during the grace period are also not covered. The grace period is intended to be a detractor to would-be criminal activity.
Additionally, any claim made within 90 days of enrollment will be scrutinized by the insurance provider.
PayMyRepairs.com does not process or pay any claims. We bring together good customers and premium insurance providers. The insurance providers we broker determine whether your claim is eligible for reimbursement. We choose the most reliable, financially stable insurance providers in the market – who protect their well-intentioned clients by identifying pre-existing damages. With all the insurance fraud out there, our providers catch most would-be fraudsters in the act. Honestly, it isn’t worth the headache.