Be informed with the top frequently asked questions about extended service
What exactly is an Extended Service Plan?
An Extended Service Plan functions very similarly to the original manufacturer's warranty and can be purchased by car owners to potentially cover the costs of parts, labor, and sales tax on qualified repairs and replacements. The older the vehicle, the higher the average cost for repairs and maintenance making extended warranties vital for anyone looking to insure against unexpected, costly repair bills.
What if my vehicle still under the original manufacturer's warranty?
The better condition your vehicle is in when you purchase an Extended Service Plan, the better deal you can get on pricing. In addition, your manufacturer's warranty may not include as much coverage or benefits as a solid Extended Service Plan coverage.
How can I be sure my claim will be paid?
We have over 25 years of experience, and are backed by one of the top rated insurer's in the country. We are also BBB accredited and in good standing.
Do I get to choose who repairs my vehicle?
Yes. With Royal Protection coverage you choose the repair shop, and we pay them directly.
Are you open all day?
Our main office is open from 9:00 am to 10:30 pm Eastern Time Monday through Friday and 9:30am through 4:30pm on Saturdays.
The Claims center is open from 8 am to 8 pm Eastern Time from Mondays through Fridays and 9:30 am to 5:30 pm on Saturdays.
What is covered under the contract?
"Mechanical Failure" of listed components as outlined in the applicable Terms and Conditions section of your Service Contract.
How do I file a claim?
Request the repair facility to call us.
How do I use my rental benefits?
Once the failed component(s) is determined to be a covered failure, and the vehicle must remain overnight, you are entitled to the rental reimbursement benefits as stated in your Service Contract Terms and Conditions.
How do I get an authorization for travel expenses?
Once the failed part(s) is determined as a covered failure and you are at least 100 miles from home, you should call us for an authorization number.
My vehicle needs a tow. How do I get this covered?
If you have Emergency Roadside Assistance , call the telephone number on your contract for Roadside Assistance. If your repair is covered by your contract terms and conditions, towing and road service may reimburse you for expenses as stated in your Service Contract Terms and Conditions.
How do you pay for a claim?
For Contract Holders - The Contract Holder may be reimbursed by check through the mail on a covered repair less any applicable Service Contact deductible with an issued authorization number and receipt of an acceptable repair order invoice.
For Repair Facilities - The repair facility may be reimbursed by check through the mail on a covered repair less any applicable Service Contact deductible with an issued authorization number and receipt of an acceptable repair order invoice.
Payment by credit card may also be available wherever and whenever circumstances allow.
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** Benefits may not be applicable on all agreements.
Companies that specialize in Extended Service Plans tend to offer the most complete, reliable, and competitively priced coverage when compared to most policies sold by car dealers. Yes, you may be covered under the manufacturer's warranty today but if you are planning to keep your vehicle beyond the manufacturer's warranty coverage you can save money in the long term: the sooner you extend your coverage, the newer your vehicle, the lower your rates will be. Extended service plans also offers additional coverage and benefits beyond what's offered on your manufacturer's warranty. Qualifying for credit is based upon the purchase price, your income, down payment/trade-in, and credit score - not your Extended Service Plan purchase. Be weary of the dealer that tells you otherwise. "Mechanical breakdowns" are often considered defective parts or workmanship whereas "wear and tear" includes parts that are known to wear out and need replacing over time. The best coverage offers wear and tear; this is especially needed for older vehicles. Cheaper is not better when it comes to most extended warranties. Extended service plans come in all shapes and sizes and not all might be a match for your vehicle and needs. No service plan exempts you from performing the routine maintenance and repairs necessary to keep your vehicle in good working condition. Regular oil/fluid changes, brakes, tires, and minor components all require regular service as outlined in the Owner's Manual or other parts and components will wear and break before their time. Failure to properly maintain/service your vehicle may void coverage.