Exclusions – What’s Not Covered
This Agreement provides No Benefits for:
A. Any Mechanical Breakdown Covered by a warranty, repairer’s guarantee, service contract or other insurance policy, regardless of whether it can or cannot be honored or collected or is unavailable for any reason.
B. Repair or replacement of any Covered Component when a Mechanical Breakdown is attributable to a condition that existed prior to the purchase of this Agreement.
C. Repair or replacement of any Covered Component when the Mechanical Breakdown information provided by You, or the Licensed Repair Facility, cannot be verified as accurate or is found to be deceptively inaccurate by the Administrator.
D. Covered Components which have not experienced a Mechanical Breakdown that a Licensed Repair Facility recommends being repaired or replaced.
E. Any repair without Administrator’s prior authorization.
F. Repairs to Covered Components caused by non-covered components, or repairs to non-covered components caused by Covered Components.
G. A Mechanical Breakdown occurring outside the United States or Canada.
H. State Sales Tax on parts and labor
I. Any Vehicle determined to be previously flood damaged or a manufacturers’ buy-back.
J. Aftermarket accessories or non-original equipment not installed by the Vehicle manufacturer.
K. Excessive oil consumption, loss of compression, or gradual reduction in performance not associated with the Mechanical Breakdown of a Covered Component.
L. Any Vehicle equipped with a 10-cylinder or 12-cylinder engine.
M. Any Mechanical Breakdown of a Covered Component caused by an Agreement Holder’s refusal to perform reasonable repairs recommended by the Dealer or a Licensed Repair Facility.
N. Due to continued operation and failure to protect the vehicle from further damage caused by lack of necessary coolants and/or lubricants.
O. Additional loss or damage which is caused by YOUR or the operator’s failure to use all reasonable precautions to protect the vehicle from any further loss or damage after a mechanical breakdown or failure has occurred.
P. Maintenance services and parts which include, but are not limited to: nuts, bolts, fasteners, alignments, adjustments, cleaning, wheel balancing, spark plugs, spark plug wires, glow plugs, tune-ups, drive belts, brake pads, brake linings / shoes, wiper blades, filters, hoses, shop supplies, and environmental waste charges.
Q. Any Mechanical Breakdown or damage caused by modifications to Vehicle from original Manufacturer specifications, or not approved by Manufacturer. This includes but is not limited to: any vehicle equipped with lift or lowering kits (unless the Lift Kit surcharge has been selected, performance enhancement kits, oversized tires (maximum tire size not to exceed 3” taller and/or wider than the covered vehicle’s Tire Placard Label).
R. Commercial vehicles, including but not limited to, rental, taxi, limousine or shuttle, delivery, towing, hoisting, or road repair operations, contractor, box trucks, dump beds, conversion vehicles, ,vehicles greater than one ton capacity, security services, snow plowing, cable or line installation or removal, police or other law enforcement services, fire service, emergency services, hauling, hauling for hire, construction, job site activities, service or repair, farming or ranching. or any vehicle equipped with lift or lowering kits (unless Optional Coverage has been selected)
S. Any Mechanical Breakdown or damage caused by bolts, screws, carbon build-up in cylinders, clogged fuel injectors, contaminated fluids, fuel, or lubricants, foreign or unknown materials, coolant blockage, corrosion, detonation, failure to maintain proper levels of lubrication, fasteners, fire, fluid leaks, freezing, improper engine adjustments, improper fuel, coolant, fluids, or lubricants, lack of lubrication, lean fuel conditions, lubricant blockage, nuts, overheating, pinging, pre-ignition, residue, rust, seized or damaged parts due to operation without sufficient coolant, fluid, or oil, sludge buildup, varnish, warpage, water damage, water intrusion, or water leaks.
T. Faulty parts or labor provided by others during the course of an authorized repair.
U. Any Mechanical Breakdown or damage caused by abuse, Acts of God, chemicals, collision, earthquake, environmental conditions, explosion, hail, lightning, riot, road hazard, theft, vandalism, volcanic eruption, or windstorm.
V. Any damage resulting from improper previous repairs.
W. Diagnostic or Tear-down procedures and charges.
X. Any mechanical failure and associated repair that has been mis-diagnosed by a Licensed Repair Facility.
Y. Any loss when Your Vehicle’s odometer has been tampered with, altered, allowed to remain non-functional, disconnected or broken.
Z. Caused by negligence, improper repair, misuse, or abuse
AA. Related to any of the additional coverage options when the applicable box in Mandatory Equipment Surcharge section of page 1 of this contract has not been checked.
BB. If your vehicle is used for racing on or off road; competition; speed contests or trials whether alone or with other participants, timed or note; racetrack or course events of any kind in which YOUR VEHICLE is operated in a manner inconsistent with ordinary passenger use and/or which would not be lawfully permitted on a public roadway.
