Vehicle Service Contract FAQs

If your vehicle needs a repair, take it to a licensed repair shop or dealership for a diagnostic.

The repair facility will determine what is causing the problem and contact the Claims department to start the claim.

The Claims department must approve the claim before any covered repair work is performed.

The basic process is:

• Take your vehicle to a licensed repair shop or dealership.
• Have the vehicle diagnosed.
• The repair facility contacts the Claims department.
• The claim is reviewed for coverage and approved.
• The repair is completed after approval.
• The Claims department pays the repair shop for the covered repair.

If you have questions about a claim or need help with the process, contact the Claims department or Fenix Protect for assistance.

Or learn more about how to file a claim.

Yes. You choose the repair shop.

Your repair facility must be a certified, licensed mechanic or repair facility. You do not have to take your vehicle to a shop selected by Fenix Protect.

If you already have a mechanic you trust, you can use that shop as long as it meets the applicable requirements.

If you already have a licensed repair facility you want to use, you can take your vehicle there for diagnosis.

Not sure where to go?

Contact the Claims department for recommendations. They can help you identify a repair facility to consider.

Remember that the repair facility will need to diagnose the problem and contact Claims before covered repair work is performed.

Fenix Protect Vehicle Service Contracts include more than coverage for eligible vehicle repairs.

All policies include:

• Roadside assistance
• Towing
• Rental benefits

These benefits can provide additional support when an unexpected vehicle problem interrupts your plans.

Your specific contract contains the terms, conditions, limitations and requirements that apply to your benefits.

If you have already filed a claim and want to know its status, contact the Claims department.

Your repair facility may also be working directly with Claims as part of the approval process.

If you’re unsure where your claim stands or what needs to happen next, we’re happy to help point you in the right direction. Call Fenix Protect at 833-769-0003 with your questions.

A Vehicle Service Contract provides coverage for eligible vehicle repairs according to the terms of your contract.

It is not insurance.

A Vehicle Service Contract can help with the cost of covered mechanical and electrical repairs after the manufacturer’s warranty ends. Coverage varies by plan, so it’s important to understand which components are covered, as well as applicable exclusions, limitations and other contract terms.

Even when you keep up with regular maintenance, vehicle repairs can happen unexpectedly.

Modern vehicles contain increasingly complex mechanical and electrical systems, and a major repair can be expensive. A Vehicle Service Contract can help make the cost of eligible covered repairs more predictable.

Instead of being surprised by the full cost of a covered repair, you know the deductible associated with your contract.

With Fenix Protect, deductibles are $100 or less, depending on the plan.

Auto insurance and a Vehicle Service Contract serve different purposes.

Auto insurance generally provides coverage for things such as collision, weather-related damage, theft or vandalism, depending on your policy.

A Vehicle Service Contract provides coverage for eligible mechanical and electrical repairs covered by the contract.

For example, a Vehicle Service Contract may cover eligible components such as the engine, transmission, cooling system, electrical components, steering, suspension and air conditioning, depending on the plan you select.

Covered components vary by plan.

Depending on your Vehicle Service Contract, covered components may include:

• Engine
• Transmission
• Transfer case
• Drive axle
• Cooling system
• Fuel system
• Electrical components
• Air conditioning
• Steering
• Suspension
• Other eligible components specified by the contract

Visit our Vehicle Service Contract page to learn more about available coverage and plan options.

Your individual contract controls what is covered, including applicable terms, conditions, exclusions and limitations.

The cost of a Vehicle Service Contract varies depending on factors such as the vehicle’s age, mileage and plan selected.

Fenix Protect offers multiple Vehicle Service Contract options designed for different vehicles and coverage needs.

Your deductible also depends on your specific plan. Fenix Protect deductibles are $100 or less.

The best way to understand your available options and pricing is to request a quote.

Fenix Protect offers Vehicle Service Contract options for both new and used vehicles, with eligibility varying based on the vehicle and applicable plan requirements.

Vehicle age, mileage and other factors can affect which plans are available.

If you’re not sure whether your vehicle qualifies, contact Fenix Protect to discuss your options.

Vehicle Service Contracts have a waiting period before coverage begins.

The waiting period is 30 days and 1,000 miles for auto coverage.

This means a vehicle problem that existed before the contract started or occurs during the applicable waiting period will not be covered.

As with all coverage, your individual contract contains the specific terms, conditions, exclusions and limitations that apply.