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Vehicle Service Contracts FAQs
Vehicle service contracts are a cost-effective answer for mechanical breakdown coverage and other services after the expiration of the manufacturer's warranty.
A vehicle service contract will pay the cost of covered vehicle repairs and some offer additional benefits such as towing, roadside assistance, rental or alternate transportation, and trip interruption. Some limitations apply.
Customers and dealers also often refer to vehicle service contracts as "mechanical service agreements," "extended service contracts" and "extended warranties."
The term begins at the time you purchase the contract and at the current odometer reading at the time of purchase. For example, a 24,000-mile/24-month contract purchased for a vehicle with 40,000 miles will end when the odometer reaches 64,000 miles or 2 years after the contract began, whichever comes first.
If you purchase the Powertrain Wrap coverage, the term begins at the vehicle’s original in-service date and 0 miles. It ends when you reach your term or mileage limit, whichever comes first.
The cost depends on the vehicle and the contract selected. Your dealer can provide you with pricing options.
We offer $0, $100, and $200 deductible options, plus a $100 Disappearing Deductible feature. If you select the $100 Disappearing Deductible option, your deductible will be waived if you return to the dealer where you purchased your Ally Premier Protection contract for covered repairs. If you choose not to return to the dealer where you purchased your Ally Premier Protection contract, the $100 deductible will apply. We also offer a $500 deductible on select luxury vehicles. Availability depends on your dealership, vehicle, and contract.
You can purchase Ally Premier Protection by visiting a participating dealership.
After the New Vehicle Limited Warranty expires, the Powertrain Limited Warranty will protect only the powertrain components of your vehicle, not necessarily parts like cooling system components, steering components, electrical or suspension components.
A vehicle service contract offers more comprehensive coverage and can decrease your financial exposure to these repair costs.
When you buy a vehicle service contract, you transfer the risk of future repair costs to a company, trusting them to pay for covered repairs. You should be sure the company backing your contract will cover claims when you need them.
We offer vehicle service contracts for both new and used vehicles. Talk with your dealer for options based on your specific vehicle.
If you plan to keep your vehicle beyond the term of the New Vehicle Limited Warranty, a vehicle service contract could help you avoid unexpected and potentially costly repair bills in the event of a breakdown.
In most cases, yes. Your dealer can help you with adding your vehicle service contract into your monthly vehicle payment as well as any state-specific regulations.
You can transfer your vehicle service contract to the new owner upon sale of the vehicle or you can cancel the remainder of the vehicle service contract for a prorated refund.
An administrative fee may apply. Get the Transfer Form
It covers most cars, light-duty trucks, SUVs and crossovers. Your vehicle’s age and mileage help determine the products you may be eligible for. Talk with your dealer for options based on your specific vehicle.
You can cancel your existing coverage and purchase a new contract any time during the manufacturer's New Vehicle Limited Warranty.
After the manufacturer's New Vehicle Limited Warranty has expired, you may be eligible to purchase an additional contract if your existing Ally Premier Protection vehicle service contract still applies.
Contact your local dealer to see if your vehicle is eligible.
To cancel your vehicle service contract, call us at 1-800-631-5590. If you cancel within 60 days and haven't filed any claims, you can receive a full refund. If you've filed any claims or if it's after the 60 days, your refund will be prorated, less a $50 administration fee if applicable. The proration will be based on the lesser of days or miles of coverage remaining.
Paid claims prior to cancellation will be deducted from refunds where applicable or allowed by state regulation or law. Please refer to the cancellation terms of your Ally Premier Protection contract.
Yes, through our affiliation with a company called Service Payment Plan. Service Payment Plan offers an interest-free 12- 18- or 24-month payment plan available through participating dealers.
For questions with regard to your vehicle service contract, Major Guard, Value Guard, Basic Guard, Smart Protection vehicle service contract, Smart Care, Smart Care Wrap vehicle maintenance contract, or MRP Limited Warranty, please contact us at 1-800-631-5590, Monday - Friday, 8 am - 5 pm local time or contact your selling dealership.
Yes. We have a wide range of time and mileage offerings to match your driving patterns.