90-plus-point inspection

A thorough bumper-to-bumper inspection of every major, and many minor, vehicle components.

Alternate transportation

When a covered customer’s vehicle requires repairs, they are reimbursed for vehicle rental or public transportation fees when:

  • Two or more manufacturer-labor-time-guide hours are required for the repair or
  • Their vehicle is not drivable and must be kept overnight and
  • They provide a receipt for vehicle rental or public transportation costs

Broad eligibility

Most makes and models of new and used vehicles – even those with mileage up to 150,000 – are eligible for VehicleOne coverage.

Closed-end lease

A lease that has a fixed term and predetermined mileage and wear restrictions. With a closed-end lease, the lessee is not responsible for the residual value at lease-end.

Eligible adaptive equipment

Equipment that is (1) permanently installed in the vehicle, (2) installed for a driver or passenger with a permanent disability, and (3) purchased from and installed by a licensed equipment installer.

Emergency roadside assistance

Emergency roadside assistance is available 24-hours a day, 365 days a year. Benefits under the plan cover certain costs up to $50 per occurrence.

Essential government work

Essential government work includes police and fire department activities, school bus service, ambulance service, snow removal work, Department of Transportation travel, and Department of Public work activities.

Essential-use vehicles

Includes all vehicles that a municipality uses to maintain day-to-day governmental operations.

Flexible customization options

Coverage choices

To fit your customers’ budgets, 4 levels of coverage are available. From VehicleOne Premium with its comprehensive, exclusionary coverage to the limited VehicleOne Basic, which provides coverage for 4 vehicle components.

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Hours of Operation

Monday – Friday 9:30 am – 6:30 pm ET
Saturday 9:00 am – 6:00 pm ET

Light-duty trucks

A vehicle weighing up to 10,000 lbs.

Market value

The average price a vehicle sells for in the open market.

Medium-duty trucks

A vehicle weighing from 10,001 to 26,000 lbs.


An easy-to-use lease payment-quoting tool that includes incentives and residual values.

Open-end lease

With an open-end lease, your customer's business assumes maintenance of the leased vehicle and is responsible for the vehicle's residual value at the end of the lease. In a closed-end lease, the leasing company is responsible for the vehicle's residual value.

Paintless Dent Repair (PDR)

Removes 4-inch or smaller dents and dings that do not compromise the paint from the exterior body panels of your vehicle. Light abrasions to the paint can generally be buffed out.

Repair Advantage Trip interruption

We will reimburse you up to $75 per day and a maximum of $375 per repair visit for unplanned hotel and restaurant expenses if a covered failure occurs more than 100 miles from your home and before you reach your destination and also results in a licensed repair facility keeping your vehicle overnight. No deductible will apply. Not available in Kansas.


The value of a vehicle at the end of the lease term; the residual value is determined before the lease begins.

Residual Value Lease Guide (RVLG)

A tool to calculate the residual value of a lease vehicle.

Roadside assistance

24/7 roadside assistance anywhere in the United States and Canada.

  • Flat tire change
  • Towing
  • Battery jump
  • Locksmith / Key service
  • Out-of-gas fuel delivery

SmartAuction Hours of Operation

Monday-Friday 8:00 AM – 7:00 PM ET


SmartCash is one of our Internet-based tools. It can be used to facilitate the processing of payments for SmartAuction transactions.

Tools and resources

Time-saving tools and resources for personal auto finance and leasing that include:

  • RouteOne Single Sign On
  • SmartLease® Due Date Calculator
  • Forms and Contracts
  • Ally Auto Finance Communications − rate sheets, new programs and incentives, program resources and buyer schedules

Trip interruption

Reimbursement up to $150 per day ($750 maximum) for unplanned hotel and restaurant expenses incurred if a covered component fails and requires more than a day to repair.

VehicleOne Trip interruption

If a Breakdown covered by this Contract occurs more than one hundred (100) miles from Your home and prior to Your destination which results in a Repair Facility keeping Your Vehicle overnight, We will reimburse You for unplanned receipted motel/hotel and restaurant expenses, up to a maximum of seventy-five dollars ($75) per day for up to three (3) days for a maximum of two hundred twenty-five dollars ($225) for each repair visit. No Deductible will apply to this benefit. To File a Claim call: 1-866-215-7080.

Windshield repair protection

Covers the cost of repairs to the front windshield and includes minor repairable chips and cracks caused from propelled rocks and other debris.