A Month to Month Vehicle Protection Service Contract is an agreement between the owner of the vehicle and the service contract company, obligating the company to pay for repairs covered by the contract for a specific period of time. Your vehicle is a major investment. With a vehicle service contract from Month to Month Vehicle Protection you are protecting yourself from the unexpected cost of mechanical breakdowns.
An extended warranty comes with the vehicle purchase, is included in the original price of the vehicle and provides specified coverage for the repair of the vehicle within a given period of time. Month to Month Vehicle Protection Service Contracts are similar in nature to an Ex- tended Warranty as they both cover the cost of the repair of the covered components. Where they differ is a Month to Month Vehicle Protection Service Contract is available for purchase after you purchase the vehicle, as long as the vehicle is newer than 15 years old and has less than 200,000 miles.
Although the terms Used Car Warranty and Extended Warranty are inaccurate phrases when referring to a Vehicle Service Contract, we recognize that most consumers commonly use these terms so you'll find them used within the Month to Month Vehicle Protection website and other marketing materials.
Bottom line, after the manufacturer's warranty expires on your vehicle, you have nothing to protect yourself from expensive vehicle repairs, unless of course you have Extended Vehicle Protection.
Month to Month Vehicle Protection assures that all covered parts, labor, and sales tax required for replacement or repair of covered parts in your vehicle will be paid on your behalf by the administrator of your Month Month Vehicle Protection Plan.
Your automobile is most likely your second largest investment that you use on a day to day basis. A Month to Month Vehicle Protection Service Contract will ensure that your vehicle is always in the best mechanical condition and can help avoid expensive repair bills.
Technically, there are two types of auto service contracts: The first type is called "exclusionary coverage" or bumper to bumper coverage. The exclusionary coverage plan covers everything on your vehicle except components specifically listed in the agreement as being excluded and is available on vehicles 15 years old and newer with less than 75,000 miles at the time of sale. The list of excluded components consists mainly of routine maintenance items. The second type is "named component coverage". The named component coverage plan covers only those components listed as being covered in the agreement and is available on vehicles 15 years old and newer with less than 200,000 miles at the time of sale. A named component coverage plan is intended to cover the major items on the vehicle compared to the exclusionary coverage plan that covers virtually everything.
With the exception of a few excluded vehicles, as long as your vehicle is 15 years old or newer with less than 200,000 miles, it will qualify for one of the Month to Month Vehicle Protection coverages listed below.
1. Engine: all internally lubricated parts of the engine, including but not limited to pistons; piston rings; wrist pins; crankshaft and main bearings; connecting rods and rod bearings; camshaft and camshaft bearings; eccentric shaft; oil pump; push rods; rocker arms; rocker arm shafts; replaceable guides and seats; timing chain; timing gears; hydraulic lifters; intake and exhaust valves; and valve springs. Also engine torque strut; harmonic balancer; head gasket; timing belt; timing cover; intake and exhaust manifolds; valve covers; flexplate or flywheel (only if not damaged by a manual clutch disc or other clutch component); oil pan; dipstick and tube; engine block; engine mounts and cushions; pulleys; cylinder heads.
2. Turbo/Supercharger: turbo or supercharger housing and all internally lubricated parts (only if damaged by the failure of a part covered under this Named Component Coverage. Note: Only original OEM equipment qualifies for coverage.
3. Transmission: all internally lubricated parts of manual or automatic transmissions, including but not limited to: gears; input and output shafts; bearings; oil pump; planetaries; pressure regulator valve; stator and stator shaft; sprags; separator plate; governor assembly; overdrive carrier; reaction carrier; center support; valve body; torque converter; parking lock actuator; dipstick and tube; vacuum modulator; internal linkage; transmission control unit. Note: transmission case, dipstick and filler tube, torque converter housing and overdrive housing are also covered only if damaged by the covered failure of any of the above listed parts.
4. Drive Axle: drive shaft; axle shaft(s); axle bearings; universal joints; constant velocity joints; ring and pinion gears; pinion bearings; supports; retainers; carrier assembly; side carrier bearings; thrust washers. Note: drive axle housing is covered only if damaged by the covered failure of any of the above listed parts.
5. 4X4/AWD: front drive shaft; axles; locking hubs; locking rings; differential; universal joints; constant velocity joints; main shaft; drive chain; gears; bearings; thrust washer and shims. Note: transfer case housing is also covered only if damaged by the covered failure of any of the above listed parts.NE
6. Suspension: control arms; control arm shafts; bearings and bushings; radius arm; radius arm bushing; stabilizer bar; stabilizer link; stabilizer bushing; spindle; wheel bearings; torsion bars; upper and lower ball joints; steering knuckles; kingpin and bushings; coil and leaf springs.
7. Steering: steering gear box or rack and all internally lubricated parts; power steering pump; steering column shaft; steering column shaft couplings; cooler and cooler lines; power cylinder; pitman arm; idler arm; tie rod and ends; link and control valve.
8. Cooling: water pump; radiator; engine cooling fan motor; fan and fan clutch.
9. Air Conditioning (Factory-Installed Front Only): AC compressor, compressor clutch and pulley; condenser; evaporator; accumulator; coil; expansion valve; blower motor; serpentine belt tensioner; power module; idler pulley and bearing; ducts and outlet hoses; orifice tube; high/ low cutoff switches; pressure cycling switch; receiver/dryer. Note: If covered costs to repair an
R-12 system exceed the cost to convert to an R-134a system, the system will be converted to use
R-134a refrigerant. Note: Refrigerant is also covered only if the loss was due to the failure of a part covered under this Named Component Coverage. We will pay up to fifteen dollars ($15.00) per pound for refrigerant.
10. Fuel System: fuel pump; fuel tank; fuel sending unit; diesel injection pump; fuel injectors; metal fuel lines; fuel pressure regulator; fuel gauge; air control valve; engine control module (ECM); fuel injection sensors.
11. Brakes: master cylinder; power brake cylinder; vacuum assist booster; vacuum brake booster pump; compensating valve; disc brake calipers; wheel cylinders; hydraulic lines; hydraulic line fittings; backing plates; springs; clips and retainers; self adjusters; linkage and cables; rear actuators; and the following anti-lock braking system (ABS) components: master cylinder; electronic wheel sensors; pump and pressure control module; electronic control module.
12. Electrical: starter motor; alternator; voltage regulator; main battery; ignition module; ignition coil; distributor; starter solenoid; front and rear wiper motors; wiper module; washer pump and switch; power window motors; power seat motors, power door lock actuator; power antenna motor; power mirror motor; power trunk motor; rear spoiler motor; steering column motor; stepper motor; delays and pumps; cruise control transducer; pole pieces; condenser fan motor; DK motor; headlight motor; idle air control motor; idle speed control motor; aspirator fan motor; phase control motor.
13. High Tech: level control compressor; sensors and limiter valve; pneumatic suspension pump; sensors and valves; ignition module; spark control detonation sensors and controller; moisture control unit and sensors; anti-detonation sensors; combination entry system; cam sensor; crank angle sensor; fuel injector control unit (including sensors and O2 sensors); all additional electrical motors, electrical controllers, and switches not enumerated under Electrical coverage above. Note: Only original OEM equipment qualifies for coverage.
14. Manufacturer-Installed GPS: navigation display unit; navigation control module; navigation system wiring harness. Note: Antennae, cables, and wiring are excluded from coverage.
15. Seals & Gaskets: seals and gaskets are covered. Note: A seal or gasket must show an active leak or drip for coverage to apply; minor seepage is considered normal and will not be considered a Breakdown.
16. Wear & Tear: coverage for a part or component which is outside allowable tolerances as prescribed by the manufacturer of that part or component, even if a breakdown has not occurred (otherwise known as wear and tear) is covered.
The above coverages are a summary of the Month to Month Vehicle Protection Service Contract. Refer to the actual contract available on the Matrix Protection web site at matrixprotection.com for further details.
Yes, in addition to towing, emergency road service, lockout service, emergency battery service, flat tire changes, custom trip routing, trip interruption and rental reimbursement the following benefits are included at no additional charge.
Windshield Repair Protection
Covers the cost of repairs to the front windshield only of minor chips and cracks caused by propelled rocks or other propelled road debris.
Paintless Dent Repair
Paintless Dent Repair (PDR) is a process, developed by automobile manufacturing production teams, that uses specialized hand tools to gently push the dented metal back to its original form. This permanently removes door dings and minor dents without harming a vehicle's factory finish.
Tire and Wheel Road Hazard Protection
Covers the cost of repair or replacement of the vehicles tires and wheels which become unserviceable due to a road hazard. Unserviceable means that the tire has been punctured or otherwise damaged to the extent that it is unsafe, or that the wheel will no longer hold a seal with its tire. A road hazard is a condition on a public roadway, which should not exist there, such as potholes, nails, glass, or other road debris. Refer to the Month to Month Vehicle Protection Plus contract available on the Matrix Protection web site at matrixprotection.com for further details of the additional benefits.
Unlike other service contract programs, with the Month to Month Vehicle Protection program there are no complicated vehicle classification charts to determine what a program will cost or what is covered. There are only 4 vehicle classifications: Asian, Domestic, European and Highline European. You will never pay a higher monthly payment as you put on more miles or as the vehicle gets older. One low monthly rate for as long as you own your vehicle and continue making the monthly payments. There are no surcharges for higher mileage vehicles.
Asian Vehicles: $49.97 per month
Domestic Vehicles: $59.97 per month
European Vehicles: $79.97 per month
Highline European Vehicles: $109.97 per month
The only other additional charge is a one-time membership fee of $89.97 which provides Lifetime membership for as long as the continuous monthly renewal payments are made.
No, Month to Month Vehicle Protection is a pay as you go interest free month to month program. There is no contract or long term commitment what so ever. So if you decide to drop your coverage for whatever reason you don't have to worry about having wasted your money on a long term commitment. Simply tell us that you want to cancel and that's it. You'll never pay for more coverage than you need.
No, however, keep in mind that no vehicle service contract will cover pre-existing conditions,regardless of which company you purchase the plan from.
Yes, you may still purchase a vehicle service contract through Month to Month Vehicle Protection after your manufacturer's factory warranty has expired as long as the vehicle is 15 years old or newer with less than 200,000 miles on the odometer
As is the standard practice with all service contracts/extended warranties in the marketplace,all plans offered by Month to Month Vehicle Protection require a 30 day and 1000 mile waiting period before coverage begins.
Your month to month service contract will stay active as long as the monthly payments are made, your vehicle is 15 years old or newer and has fewer than 200,000 miles on the odometer. The service contract will expire when either one or both of the above thresholds are reached. If your Month to Month Vehicle Protection Plan has been in effect for 25 months and the payments are current, engine for life coverage will be included at no additional cost for as long as you own the vehicle.
We ask for the make, model, mileage and age of your vehicle. We also will need the Vehicle Identification Number (VIN) and because rules vary from state to state, we need to know state you live in.
The VIN is located in several areas and is a unique 17-digit identifier of your vehicle. The most common are:
• On the driver’s side dashboard of the vehicle
• On your insurance card
• On the title of the vehicle
• On the vehicle’s registration card
• On the sticker inside the driver’s side door
Yes, Month to Month Vehicle Protection is insured by an A.M. Best “A” (Excellent) rated insurance company and is assigned the Financial Size Category of Class XV.
Month to Month Vehicle Protection is directly insured and the administrators maintain a future claims reserve for all policies to cover the repair costs. A percentage of the premiums paid by all Month to Month Vehicle Protection service contracts/extended warranties holders are deposited into a premium reserve account that is regulated by the government and used strictly to pay future claims. In addition, the Month to Month Vehicle Protection Service contract/Extended Warranty is insured by an “A” rated insurance company. This means that in the unlikely situation Month to Month Vehicle Protection and/or the administrator should ever go out of business, our insurer will step in to handle all claims, protecting you for the life of the agreement.
The Month to Month Vehicle Protection claims process is fast and effortless. For a mechanical failure, prior to repair, simply tell the dealership or ASE certified repair facility that you have an extended warranty with Month to Month Vehicle Protection. They will call the Claims Center number 866-994-7063. The claims number is also provided in the contract. Once the repairs are approved by the claims center and the repairs are completed a payment will be made directly to your repair facility with a corporate credit card.
For Month to Month Vehicle Protection Plus claims refer to the claim procedures below.
24-Hour Roadside Assistance:
Call 1-866-330-0760, 24 hours a day – 7 days a week and the necessary Roadside Assistance will be dispatched.
Windshield Repair Protection:
Prior to repair call 1-888-684-9327, Monday through Friday from 9 AM to 5 PM Eastern Time and we will dispatch repair service.
Paintless Dent Repair:
To access this benefit call 1-888-684-9327, Monday through Friday from 9 AM to 5 PM Eastern Time to schedule an appointment.
Tire and Wheel Road Hazard Protection:
You must obtain authorization prior to the replacement of any tire and/or to any repair or replacement of any wheel. Call 888-684-9327 Monday through Friday from 9 AM to 8 PM Eastern Time for authorization and instructions. In the event that both the tire and/or wheel damage occurs after the Administrators regular business hours, or on a weekend, and repairs must be effected, you may obtain instructions online at www.niufl.com. Subsequent to afterhours repairs/replacements, call 888-684-9327 the next business day to report your claim.
Month to Month Vehicle Protection lets you choose the repair facility of your choice. You can have your vehicle repaired by any licensed repair facility in your area. You may take it in for repairs to a new car dealership; your favorite mechanics repair shop, or any national chain that performs vehicle repairs, as long as the repair shop is A.S.E Certified. All covered repairs are paid direct to the service center with a corporate credit card so you don’t have to file a claim and wait for reimbursement.
Month to Month Vehicle Protection pays your claim quickly and efficiently over the phone with our corporate credit card. Simply present your Month to Month Vehicle Protection contract to the repair facility who in turn will contact our claims department. You simply pay your deductible. There is no paperwork, no need to layout any money and no limit on the number of claims you may have. Month to Month Vehicle Protection covers parts, labor and even sales tax, if applicable.
With Month to Month Vehicle Protection each repair visit, no matter how many items needs to be fixed, will only require payment of one deductible.
Definitely! Full retail prices are paid on all labor and parts for a covered claim. Your only responsibility is to pay the $100 deductible amount.
Absolutely! Since full retail prices are paid on all labor and parts for a covered repair, a dealership will welcome the additional business. All claims are paid directly to the dealership using a corporate credit card so you don’t have to wait for reimbursement when you file a claim.
Yes, Seal and Gasket coverage is included as long as the vehicle has less than 125,000 miles at the time of the claim.
Yes, Wear and Tear coverage is included as long as the vehicle has less than 125,000 miles at the time of the claim.
Wear and Tear coverage means that a part does not have to break for you to be covered. Should a part or component wear out prematurely, it is covered. Wear and Tear coverage is defined as the part that can no longer perform the function it was designed for solely because of its condition. If your vehicle has accumulated less than 125,000 odometer miles at the time of the claim, Month to Month Vehicle Protection includes coverage for a part or component which is outside allowable tolerances as prescribed by the manufacturer of that part or component, even if a breakdown has not occurred. Parts that are considered “normal maintenance “are not covered under the Wear and Tear option. These would be items such as brake pads, shoes, brake drums, rotors, manual clutches, etc.
Month to Month Vehicle Protection includes rental car assistance for covered failures. You pay for the car rental through a licensed rental agency and submit the bill for reimbursement.
Both the Month to Month Vehicle Protection Service Contract/Extended Warranty and Month to Month Vehicle Protection Plus contract can be printed directly from the Month to Month Vehicle Protection website at www.matrixprotection.com
Your Month to Month Vehicle Protection automatically renews monthly using the credit card or check-ing account information on file that you provided us when you originally signed up.
Call or email Month to Month Vehicle Protection at: Customer Service: 855-500-MATRIX (6287) Email: support@matrixprotection.com Provide the new account information. Allow 7 to 10 business days for the change to take effect.
