A vehicle service contract (VSC) is a smart choice for customers interested in protecting themselves from the high costs of vehicle repair. You just need to make sure you know what you’re getting and what to expect in the event that the unexpected happens. Prior to purchasing or filing a claim, here are a few things to consider to ensure that there are no surprises down the road.
- Make Sure You Aren’t Currently Under Warranty – Check to see whether the coverage of your service contract overlaps with a manufacturer’s warranty. A vehicle service contract might not be right for you if you are already covered. However, if your warranty is about to expire or you are looking for supplemental coverage then purchasing a VSC makes a lot of sense.
- Know What Your Vehicle Service Contract Covers – Not all vehicle service contracts cover all repairs. Take time to read the inclusions and exclusions to be sure that you’re getting the coverage you want and know when coverage might be denied. For instance, if a contract states that only mechanical breakdowns will be covered, problems caused by normal wear and tear might be excluded.
- Be Aware Of The Length Of Your Coverage – It happens to the best of us. You think you’re covered, only to find out that your plan has already expired. Make sure your coverage is up to date. And if the service contract lasts longer than you expect to own the car, find out if it can be transferred when you sell the vehicle.
- Perform Regularly Scheduled Maintenance – Under the contract, you may have to follow all recommendations for routine maintenance, such as oil and spark plug changes. Failure to do so could void the contract. Find out if the contract prohibits you from performing routine maintenance yourself or from taking the car to an independent dealer for work. Also, be aware that unapproved modifications or installing wrong parts could void your service contract as well.
- Keep All Service Records And Receipts – Create a file to keep track of all the repairs that were performed on your vehicle and be sure to include all receipts. This will come in handy if you ever have to put your vehicle service contract to use. Your claim could be denied if you are unable to show that the vehicle was properly maintained.
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