Frequently Asked Questions
About Vehicle Service Contracts

In the event of a mechanical breakdown, a vehicle service contract or VSC can help reduce your costs to repair or replace components that are not covered by the manufacturer’s warranty. Our program also provides additional valuable benefits such as towing, rental car and emergency roadside assistance for covered breakdowns. The coverage continues until the expiration date of the contract or when the expiration odometer mileage is reached, whichever occurs first.

Yes! The advanced technology in today's vehicles has increased the complexity of even basic repairs. As a result, repair and labor costs are likely to continue increasing. The cost of just one significant repair could exceed the cost of purchasing a contract today.

Yes, the cost of this coverage can usually be added to your monthly payment, but it can only be done when you purchase your vehicle. If you are financing your vehicle, ask your dealer for details.

You may be able to transfer any remaining coverage to the next owner. The added value of a service contract may make it easier to sell your vehicle and could help you get a higher resale price.

If you still own your vehicle before your coverage expires, you may be able to purchase a new contract, subject to eligibility.

If possible return to the dealership to determine the problem and cause of the breakdown—and, if needed, make sure to take advantage of your plan’s towing benefit. Have the repair facility call the CNA National claims line before beginning any repairs. In the event of a covered repair, you are only responsible for your deductible and any costs not covered by your contract.

Your vehicle service contract will be accepted at thousands of licensed repair facilities throughout the U.S. and Canada. If you have a breakdown far from home, your towing benefit can help you get to a nearby repair facility. You will also be reimbursed for lodging, meals and rental car while your vehicle is in the shop for covered repairs if you are more than 100 miles from home.

Using a vehicle for hire to the public or to transport people for hire does not void your coverage, provided that the vehicle is titled in a personal name and is operated by one individual or multiple related individuals.