General

General Info

Coverage

Coverage Info

Claims

Claims Info

Stacks

Stacks Info

Cancel Info

Cancel Info

I Need Help!

I Need Help!

General Info

What’s different about servicecontract.com’s service contracts when compared to others?

The most common way to purchase a service contract is to buy it at the time you purchase your vehicle. When you purchase it at that time, you’re forced to choose a term and mileage limited contract that gets wrapped into your financing and can cost you thousands of dollars. Servicecontract.com contracts are all month-to-month, so there’s no obligation and you are only paying each month for which you have the contract. Our goal is to make your life easier, and this type of contract gives you the ultimate flexibility.


How much money do I have to today?

You only need to give us your first month’s payment today, and we will take care of the rest by billing you every month.


Is a service contract really an extended warranty?

Although most people commonly refer to service contracts as “extended warranties,” we don’t. Warranties are something issued with your vehicle from the manufacturer, whether you purchased the car new or as a certified pre-owned vehicle. The warranty is included in the price of your vehicle. A service contract is something that you voluntarily purchase to protect your vehicle after your factory warranty expires. Because you are purchasing the service contract, it no longer is classified as a warranty. Ultimately, both warranties and service contracts perform the similar duties, but there’s a fine line between what each is called.


Why do I need a service contract if my vehicle has a factory warranty?

Most vehicles come with a factory warranty that expire 3 years from the purchase date or when your odometer reaches 36,000 miles. Some vehicles have longer coverages. The coverages can range from comprehensive (“bumper-to-bumper”) to powertrain. Once your vehicle eclipses its factory warranty, you may be responsible for paying for all the repairs necessary when mechanical failures occur. A service contract would provide you with the peace of mind of knowing that it will cover the cost of those repairs.


Should I just wait to buy a service contract if my vehicle has a factory warranty?

It really depends on what you value. The closer your vehicle gets to the expiration of the factory warranty, the more expensive the service contract is going to become. If you plan on keeping your vehicle past the limits of its factory warranty, then there is no time like the present to take advantage of lower rates by purchasing sooner rather than later. Think of it like life insurance—a 35-year-old healthy person will pay less for life insurance than a 65-year-old healthy person, all things being equal.


Doesn’t a service contract provide the same coverage as my auto insurance?

No way! Your auto insurance is there to cover you should you be involved in a collision or some other event (theft, weather damage, etc.). A service contract covers the mechanical portion of your vehicle, something auto insurance does not cover. If you’re willing to pay thousands of dollars to protect the outside of your vehicle, you should consider paying a fraction of that to cover things inside your vehicle.


Can I only buy a service contract if my vehicle has remaining factory warranty?

No, you can buy a service contract even if your vehicle is out of factory warranty coverage. We do our best to accommodate as many vehicles as we can!


What are the age or mileage limits to buy a service contract?

We offer service contracts for vehicles with a model year 2000 and newer and have coverages for vehicles with up to 200,000 miles on their odometer.


What information about my vehicle do I need to purchase a service contract?

We will need the vehicle year, make, model, and mileage. We will also need the vehicle’s VIN and information about any types of extra features it may have (4x4, AWD, Turbo, Supercharger, etc.).


What’s a VIN?

A VIN is a vehicle identification number. This number is 17 digits long and specifically identifies your vehicle. You can find this number inside on the inside of your door or at the bottom corner of the driver’s side windshield. This number will verify everything we need to know in order to give you an accurate service contract price quote.


What is a deductible and how does it work?

A deductible is a small amount that you elect to pay towards any claim that you may have. For example, if your deductible is $100 and your repair is $2,500, you would pay $100 and we would pay $2,400. Seems fair, right? Lucky for you, we have various deductible options, some as low as $0! Why would you elect to pay a deductible? Well, the higher your deductible, the less expensive your contract will be. Not sure which deductible to select? Just ask us, we’re here to help!


What if I can’t afford my contract?

There are so many options available. Simply call us at 1800-800-3629 and we will guide you through the many way to help you fit everything within your budget. We even have ways to offer interest-free financing to make paying for your contract simple. Remember—our number one goal is to ensure our customers are completely satisfied, so always call us if you have any questions or issues.


Do I need to have my vehicle inspected to buy a service contract?

An inspection is not required in order to buy a service contract, but if you have your vehicle inspected, we will allow full coverage to begin on day 1 (rather than waiting 30 days for breakdown coverage).


Where can I have my vehicle inspected?

You can take it to any Pep Boys for inspection services. Don’t have a Pep Boys close to you? Please call or email us! 1800-800-3629 or help@servicecontract.com

Coverage Info

Does my service contract cover everything?

No, and don’t believe anyone that tells you theirs does! There are always certain exclusions of coverage, namely accident repairs and basic maintenance (oil changes, tire rotations, etc.). Depending on the level of coverage that you choose, we will either specifically list what is covered and/or tell you what is not covered. There are no secrets with our contracts.

Claims Info

What if I like to work on my own car?

You can use your service contract at any Repair Shop as defined in the contract. Even though you might be a weekend mechanic for some of the basic repairs, be sure to utilize the protection our service contract provides on more advanced repairs.


What do I do if my vehicle breaks down?

First and foremost, if your vehicle breaks down while driving, do everything you can to ensure you are safe. From there, simply call the roadside assistance number located in the contract. Once your vehicle is towed to the Repair Facility, please let the shop know that you have a service contract and to call the claims number located in the contract prior to beginning any work. We will take it from there. All you need to do is pick your car up when it’s fixed, and we will pay the shop directly!

If your vehicle has a failure that does not affect drivability, simply drive it to your local repair shop and have them call the number on your contract. Have them contact us and, again, we’ll take it from there!


How will I know if my vehicle will be covered if it breaks down?

You can always refer to the service contract sent to you to determine if a certain part or component is covered. If you would like us to explain coverage, just call us. Our experts will assist you to make sure you understand everything that is happening during the process.


Why would my claim ever get turned down?

A claim would only be denied if the component was not covered under the coverage level selected, or if the repair was due to a pre-existing issue with your vehicle, or is otherwise excluded. Your coverage does not cover anything that is currently wrong with your vehicle. If you have any questions about this, please do not hesitate to call us.


What is a deductible and how does it work?

A deductible is a small amount that you elect to pay towards any claim that you may have. For example, if your deductible is $100 and your repair is $2,500, you would pay $100 and we would pay $2,400. Seems fair, right? Lucky for you, we have various deductible options, some as low as $0! Why would you elect to pay a deductible? Well, the higher your deductible, the less expensive your contract will be. Not sure which deductible to select? Just ask us, we’re here to help!

Stacks Info

What is the Stacks Plan?

The Stacks Plan is designed to put STACKS of cash back into your pockets.

OK, bear with us, we’re going to try and simplify how this works (we hate Math!)…

There are two Stacks Plans —— Half Stacks and Big Stacks. In order to receive the reward associated with the Stacks Plan, you must participate in the Plan for 36 consecutive months.

Half Stacks costs $5/month, and gives you back half of the money that you paid us after 36 months, less the $5/month for the Half Stacks plan and any claims paid. Here’s an easy example--If your service contract costs $45/month, and you opt for the Half Stacks plan, your total monthly payment will be $50. Over 36 months, you will pay us $1,620 ($45 x 36, remember, the $5 is not returned to you), and if you do not have any claims, we will give you Half of that money back…$810! Using the same example, let’s say you had $500 in claims over the 36 months, we would then give you $560 back ($1,620 - $500 = $1,120… Half of $1,120 is $560).

Big Stacks? This costs $10/month and gives you all the money back that is not used, less the $10/month and any claims. So, using that same example above, if no claims were made, we’d send you $1,620, and if there were $500 in claims, we’d send you $1,120. How’s that for fairness and transparency?!

Cancel Info

Can I cancel my service contract?

You can always cancel your service contract! Depending on the time you’ve had it or the mileage you’ve driven, you may qualify for a refund of unused premium. If you change your mind within 30 days of purchasing your service contract, we will give you all your money back!


I Need Help!

What if I just have questions or need help?

This is easy, just call us! Our number is 1800-800-3629, or you can email us at help@servicecontract.com with any questions.


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