Service Contracts
Protect your investment. Everyone wants their car performing at its best, and that's why Digital AutoFi offers comprehensive Mechanical Breakdown Coverage to keep your car running smoothly.
Coverage engineered for high-value machines.
Predictable protection against the unpredictable. If eligible, the cost may be included in the amount financed, subject to approval.
Optional protection products are not required for financing. Coverage and eligibility vary by vehicle and product.
Ultimate XO Coverage
Our most comprehensive coverage plan: if a component isn't on a short list of exclusions, it's covered.
XO-2 Comprehensive Coverage
Includes all components listed in XO-1, plus enhanced electrical, air conditioning, brakes, and cooling, and adds coverage for fuel delivery, electronics, and suspension components.
XO-1 Basic Coverage
Coverage for costly repair items including the engine, transmission, hybrid/electric systems, turbo/supercharger, transfer unit, drive axles, steering, electrical, brakes, air conditioning, and cooling system, plus seals and gaskets.
What a vehicle service contract actually is
A vehicle service contract is an agreement to pay for specified mechanical failures after the original manufacturer warranty has ended. It is not insurance, and it is not an extension of the factory warranty — it is a separate contract with its own terms, its own exclusions and its own claims process.
The single most useful thing to understand is the difference between the two ways these contracts are written. A named-component plan lists what is covered, and anything absent from that list is not. An exclusionary plan inverts it: everything is covered except a short list of stated exclusions. Exclusionary coverage is broader and easier to claim against, because the burden is on the contract to have excluded something rather than on you to find it on a list.
Our tiers run both ways. Ultimate XO is the exclusionary plan — if a component is not on the short exclusion list, it is covered. XO-2 and XO-1 are named-component plans at descending levels of breadth.
What makes this different on a high-value car
The labour rate is the problem
Specialist independents and franchised dealers for exotic marques bill at multiples of a general garage. A job that is routine in hours can still be expensive simply because of who has to carry it out and what diagnostic equipment it requires.
Parts travel further than you think
Components for low-volume cars are frequently built to order or shipped from the manufacturer's home market. The bill is one issue; a car immobilised for weeks waiting on a part is the other.
Modern exotics are electronically dense
Hybrid systems, active aero, adaptive suspension and driver-assistance hardware have all added failure points that did not exist on earlier generations, and they are rarely cheap to diagnose, let alone replace.
One failure can outweigh the premium
The arithmetic on these products is unlike insurance on a predictable risk. A single out-of-warranty transmission, turbocharger or control-module failure on a high-value car can exceed the whole cost of the contract.
What to check before you sign
The same questions we would ask on your behalf. A protection product is defined by its terms far more than by its brochure.
- Establish whether the plan is exclusionary or named-component — it is the difference that decides most claims
- Read the exclusion list in full; on an exclusionary plan it is the entire definition of the product
- Check the deductible, and whether it applies per visit or per covered component
- Confirm which shops can perform the work, and whether your specialist is eligible
- Ask who administers claims and who pays the shop, because being reimbursed later is not the same as the repairer being paid directly
- Check transferability, and whether a remaining term can be refunded pro rata if you sell or pay the loan off early
Service Contracts, answered
Round out the ownership experience.
Help protect the ownership experience.
Give your machine white-glove coverage. If eligible, the cost may be included in the amount financed, subject to approval. Tell us about the vehicle and we'll tailor a quote.
- Initial feedback in about an hour during business hours
- No fee to submit an application to Digital AutoFi. Other transaction or third-party fees may apply.
- Programs available in all 50 states