Drive with Confidence
Comprehensive car warranty plans for peace of mind and exceptional service on every journey.
When you opt for the K – 100k coverage level, your vehicle is safeguarded under a plan that provides comprehensive protection, as long as your odometer reading registers under 100,000 miles at the time of your claim. It’s essential to keep in mind that while this overview highlights various aspects of the plan, it does not serve as the vehicle service contract itself. The vehicle service contract remains the authoritative document that governs the specifics of what your coverage entails and how it is administered.
Designed to mirror the protection afforded by your original manufacturer’s warranty, this coverage level offers peace of mind while ensuring that you’re prepared for unforeseen mechanical issues that may arise as your vehicle ages.
What’s Covered?
Under this comprehensive plan, nearly every part of your vehicle is included in the coverage, saving you from unexpected repair costs. However, it is important to note that some items categorized as "wear and tear" are not covered under this contract. These exclusions include:
- Battery and battery cable/harness (although you will receive roadside rescue for jump-starting or towing services)
- Tires, wheels, and rims
- Brake rotors and drums
- Shocks and struts
- Upholstery and carpet
- Glass
For repairs or replacements within the limits of coverage, there is a specific cap set at $3000 per incident for the items listed that do have limits.
By choosing this coverage level, you can rest assured that you’re receiving one of the highest tiers of vehicle protection available, allowing you to drive confidently, knowing that major breakdowns and essential repairs are taken care of, all while remaining aware of the specific limitations that apply. This high-quality coverage is designed with your peace of mind in mind, making your driving experience not just a means of transportation, but a secure and reliable journey.
When you choose the K – 100K coverage level for your vehicle, you are opting for a robust protection plan designed to safeguard your investment. This coverage is activated as long as the odometer reading of your vehicle registers under 100,000 miles at the time of your claim, offering a reliable safety net against unforeseen mechanical issues or repairs. It's essential to understand that while this overview provides a glimpse into the features of the K – 100K plan, it does not replace the official vehicle service contract. The vehicle service contract is the binding document that details the specific terms, conditions, and protections that your coverage includes, as well as how it is administered. This coverage tier is meticulously crafted to reflect the level of protection you would expect from the manufacturer’s original warranty. By choosing this option, you not only gain a sense of security but also prepare yourself for any unexpected events that could arise as your vehicle ages. Whether you're dealing with a major engine issue or a minor electrical problem, having the K – 100K coverage ensures that you can address these concerns without the burden of exorbitant repair costs. Additionally, it’s important to keep a close eye on your vehicle’s mileage and maintenance to maximize the benefits of the K – 100K coverage. Regular maintenance can help extend the life of your vehicle and ensure that it remains within the coverage parameters. Should you find yourself in a situation where a claim is necessary, having your service records in order will assist in a smoother claims process. In summary, the K – 100K coverage level is an excellent choice for vehicle owners seeking peace of mind and comprehensive protection. Just remember, for complete details regarding what is covered and the procedures to follow for claims, refer to your vehicle service contract. This document is your go-to resource for all questions and details about your specific coverage, ensuring that you are always prepared for the road ahead.
COVERAGE IS NOT PROVIDED IN THE FOLLOWING SITUATIONS:
Pre-Existing Conditions, Deceptive or Inaccurate Claims
Your Toco plan will not cover any pre-existing condition or a breakdown occurring before coverage takes effect or prior to the contract purchase date, or if the information provided by you, or the repair facility cannot be verified as accurate or is found to be fraudulent, deceptive or inaccurate. All Toco plans feature a waiting period before full coverage takes effect.
Breakdowns caused by negligence or failure to properly maintain your vehicle.
Your Toco plan will not cover any breakdown caused by misuse, abuse, negligence, lack of normal maintenance required by the manufacturer’s maintenance schedule for your vehicle or improper servicing or repairs subsequent to purchase. For any breakdown caused by sludge build-up resulting from your failure to perform recommended maintenance services, or failure to maintain proper levels of lubricants and/or coolants, or breakdowns caused by fuels containing more than 10% Ethanol (if the engine was not manufactured for this fuel mixture), or failure to protect your vehicle from further damage when a breakdown has occurred or failure to have your vehicle towed to the service facility when continued operation may result in further damage. Continued operation includes your failure to observe warning lights, gauges, or any other signs of overheating or component failure, such as fluid leakage, slipping, knocking, or smoking, and not protecting your vehicle by continuing to drive, creating damage beyond the initial failure.
Damage from other causes like storms or vandalism
For any damage and/or breakdown resulting from collision, road hazard, fire, theft, vandalism, riot, acts of terrorism, explosion, lightning, earthquake, freezing, rust or corrosion, windstorm, hail, water or flood, acts of God, salt, environmental damage, chemicals, contamination of fluids, fuels, coolants or lubricants.
Basic Wear and Tear
Your Toco plan covers your car when it breaks down. It does not cover any repair, or the replacement of any covered part if a breakdown has not occurred or if the wear on that part has not exceeded the field tolerances allowed by the manufacturer. Any part that a repair facility or manufacturer recommends or requires to be replaced or repaired, or is an update, and a breakdown has not occured, is your responsibility to maintain.
Aftermarket Alterations, Customizations or Modifications to the Vehicle
If any alterations have been made to your vehicle, or you are using or have used, your vehicle in a manner not recommended by the manufacturer, including but not limited to: the failure of any custom or add-on part, all frame or suspension modifications, lift kits, if any tire that is not recommended by the original manufacturer creates an odometer/speedometer variance of greater than 4%, trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.
Non-Working Odometer
If your odometer has ceased to operate and odometer repairs have not been made within a reasonable amount of time; or the odometer has been altered in any way by you or known to you subsequent to purchase of your Toco plan; or if vehicle’s true mileage cannot be determined.
Salvaged, Rebuilt, Grey Market or otherwise Non-Normal Title
If your vehicle has ever been a total loss, salvaged, rebuilt, is a grey market or similarly titled vehicle.
Property Damage, Injury or Death
For any liability for property damage, or for injury to or death of any person arising out of the operation, maintenance or use of your vehicle described in this contract, whether or not related to the parts covered. For loss of use, time, profit, inconvenience, or any other consequential loss, including any consequential damage to a non-covered part that results from a breakdown.
Repairs Covered by a Separate Insurance or Warranty Contract
When the responsibility for the repair is covered by an insurance policy, manufacturer and/or dealer customer assistance program, or any warranty from the manufacturer, such as extended drivetrain, major component, full or certified coverage warranties (regardless of the remaining manufacturer’s warranty when you purchased this contract), or a repairer’s guarantee/warranty (regardless of the manufacturer’s or repairer’s ability to pay for such repairs). Coverage under this contract is similarly limited in the event of a breakdown if the manufacturer has announced its responsibility through any means, including public recalls and factory service bulletins.
Commercial or Unauthorized Uses of the Vehicle: Taxi, Limousine, Towing, Racing and More
If your vehicle is used for towing (unless your vehicle is equipped with a factory installed or factory authorized tow package), or is used as a Commercial unit unless an appropriate surcharge is marked on the Registration Page and only as defined under “Definitions”, “Commercial Use”, or is used for rental, taxi, limousine or shuttle, snow removal, towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency service, principally off-road use, prearranged or organized racing or competitive driving.
Breakdowns Outside of Covered Territory (We cover you anywhere in the US & Canada)
We cannot cover breakdowns or repairs that occur outside of the United States of America and Canada.
Excessive Diagnostic or Teardown Procedures
For diagnostic and/or teardown procedures that are not listed, or are in excess of the times listed in the current year’s national flat rate hourly guide in conjunction with a covered repair.
Transparency and Honesty are Top Priorities at Toco
If you have any questions about the details of our plans, please reach out to one of our friendly team members at (800) 217-1298
WAITING PERIOD
Your Toco plan will not cover pre-existing conditions or breakdowns that occurred before the purchase of your Toco plan. All Toco plans come with an industry-standard waiting period before full coverage takes effect. However, most Toco customers will be eligible for partial payment of claims during the waiting period.
MAINTENANCE REQUIREMENTS
You will need to follow your vehicle’s manufacturer’s recommended maintenance schedule, as well as keep a copy of all maintenance receipts. See your vehicle’s owner’s manual for a full list of maintenance requirements.
LIMITS OF LIABILITY
Limits of liability refer to the maximum amount of money that Toco will pay per repair visit, or pay in total (aggregate) over the course of the contract.
Claim Limit Per Repair Visit
The plan’s liability for any one (1) Repair Visit cannot exceed the trade-in value of your vehicle at the time of that Repair Visit, as listed in the NADA Used Car Guide.
Overall (Aggregate) Limit
The total of all claims and benefits paid or payable from your Toco plan shall not exceed $15,000 in total claim cost.
WAITING PERIOD
Your Toco plan will not cover pre-existing conditions or breakdowns that occurred before the purchase of your Toco plan. All Toco plans come with an industry-standard waiting period before full coverage takes effect. However, most Toco customers will be eligible for partial payment of claims during the waiting period.
MAINTENANCE REQUIREMENTS
You will need to follow your vehicle’s manufacturer’s recommended maintenance schedule, as well as keep a copy of all maintenance receipts. See your vehicle’s owner’s manual for a full list of maintenance requirements.
LIMITS OF LIABILITY
Limits of liability refer to the maximum amount of money that Toco will pay per repair visit, or pay in total (aggregate) over the course of the contract.
Claim Limit Per Repair Visit
The plan’s liability for any one (1) Repair Visit cannot exceed the trade-in value of your vehicle at the time of that Repair Visit, as listed in the NADA Used Car Guide.
Overall (Aggregate) Limit
The total of all claims and benefits paid or payable from your Toco plan shall not exceed $15,000 in total claim cos
Coverage Areas
PlatinumDrive Protection offers nationwide coverage, ensuring you receive exceptional service and support wherever you are on your journey.
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PlatinumDrive Protection saved me from costly repairs, providing peace of mind during my road trips.
John Doe
Exceptional service and coverage! I feel secure knowing my car is protected wherever I go.
Jane Smith
