Premium Coverage
Our Premium coverage is the most comprehensive coverage offered for higher mileage automobiles and is a very good alternative when your vehicle does not qualify for a bumper-to-bumper policy. Please review the information below for exceptions and full coverage details.
Premium Coverage Plan Details
Engine
Engine head(s), engine block, cylinder barrels, timing cover, valve cover(s), oil pan and dipstick & tube, only if damaged by the failure of a lubricated internal part. Pistons, pins & rings, connecting rods & bearings, crankshaft & main bearings, camshaft, followers & cam bearings, push rods, valves, springs, replaceable guides, seats & lifters, rocker arms, shafts & bushings, timing gear, chain, tensioners & retainers, eccentric shaft, oil pump, timing belt, serpentine belt, water pump, intake & exhaust manifolds, engine mounts & cushions, engine torque strut, harmonic balancer, flywheel (flexplate) & flywheel ring gear, mechanical fuel pump, dipstick & tube, all pulleys. All lubricated internal parts of the vehicle manufacturer installed turbo-charger or supercharger. The housing is covered only if damaged by the failure of a lubricated internal part.
Transmission
Transmission case, transfer case & torque converter case only if damaged by the failure of a lubricated internal part. All lubricated internal parts contained within the cases. Computer modules & solenoids, filler tube & dipstick, vacuum modulator, internal linkage.
Drive Axle
Differential housing, transaxle housing & final drive housing, only if damaged by the failure of a lubricated internal part. All lubricated internal parts contained within the housings. Axle shafts, constant velocity joints (CV), universal joints, drive shafts, locking hubs, locking rings, supports, retainer & bearings.
Electrical
Alternator, combination turn signal switch, controllers, cruise control transducer, engagement switch & servo, distributor, gauges, horn buttons & horns, motors, pole pieces, power door locks, vacuum pumps, washer pumps, relays, solenoids, speed sensor, starter, manually operated switches, voltage regulator, window defroster, window regulators, wiring harnesses for listed covered components.
Steering
Gear housing only if damaged by the failure of a lubricated internal part. All lubricated internal parts including: rack & pinion, power steering pump. Main & intermediate shafts, couplings, cooler & cooler lines, power cylinder, Pitman arm, idler arm, tie rod & tie rod ends, link & control valve.
Air Conditioning
Compressor, condensor, clutch pulley & clutch coils, evaporator, POA valve, accumulator, orifice, “H” valve, expansion valve, serpentine belt tensioner, temperature control programmer, power module, idler pulley & bearing, ducts & outlet hoses, blower motor, receiver/dryer.
Suspension
Upper & lower control arms, shafts & bushings, upper & lower ball joints, steering knuckles, stabilizer shaft, linkage & bushings, kingpin & bushings, spindle & spindle supports, torsion bars, coil & leaf springs, wheel bearings.
Brakes
Master cylinder, power assist booster, vacuum assist booster pump, wheel cylinders, combination (proportioning) valves, hydraulic lines & fittings, disc calipers, power brake cylinder backing plates, springs, clips and retainers, self-adjusters, parking brake linkage and cables, and rear actuators.
Electronic High-Tech
Level control compressor, sensors & limiter valve, pneumatic suspension pump, sensors & valves, ignition module, spark control detonation sensors & controller, integrated circuit chips, driver information display & module, keyless entry system, electronic coil packs, moisture control unit & sensors, anti-detonation sensors, vehicle manufacturer installed anti-theft device, the following parts of the Anti-locking Brake System (“ABS”): electronic wheel sensors, pump & pressure control module.
Cooling
Radiator, fan & fan clutch.
Fuel Delivery
Fuel injectors, fuel pumps, fuel lines, fuel tank, pressure regulator.
Seals, Sealing Boots & Gaskets
Seals, sealing boots & gaskets.
Audio Center
Vehicle manufacturer installed (in dash) entertainment chassis modules including radios, magnetic tape players/recorders, compact disc players, graphic equalizers. Coverage does not include video equipment or remote compact disc players.
Exclusions
Please review your Premium Coverage Plan carefully to understand other exclusions to your coverage, such as routine maintenance, pre-existing conditions and breakdowns that occur as a result of failure to perform basic standard maintenance.
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