WHAT THIS AGREEMENT DOES NOT COVER

We will not pay for costs covered by any warranty of the manufacturer or a repairer’s guarantee, regardless of whether they honor such warranty or guarantee.

Maintenance and Parts Not Covered

The following are not covered under your Agreement:

1. The maintenance services and parts described in the Manufacturer’s Maintenance Schedule for your vehicle.

2. Any part not listed in the “WHAT YOUR AGREEMENT COVERS” section.  

3. Other normal maintenance service and parts including engine tune up, (includes sparkplugs, ignition wires, distributor cap and rotor), carburetor, EGR valve, batteries, filters, lubricants or fluids, air conditioning refrigerant, engine coolant, all hoses and belts (not specifically listed), brake pads and shoes, brake rotors and drums, suspension alignment, tires, wheel balancing, shock absorbers, CV boots, exhaust system, friction clutch disc, pressure plate and clutch throw out bearing.

4. Glass, glass framework and fastening adhesives, sealed beams, light bulbs, lenses, trim, moldings, bright metal, upholstery, paint, sheet metal, body panels, structural frame work, structural welds and wiper blades.

5. After-market accessories or non-original equipment, components and systems not installed by the manufacturer, examples include: anti-theft systems, radio/speaker equipment, telephones, cruise control and sun roof.  This includes the failure of a covered component caused by the installation of said after-market equipment.

We will not pay costs incurred to improve operating performance as a result of normal wear and tear.  This includes: valve grind(s) and/or piston replacement(s) designed to improve engine compression or reduce oil consumption and diminished performance due to normal wear of Macpherson strut suspension components.  We will not repair, replace, adjust or align a non-covered component unless its failure is caused by the breakdown of a covered part.

In addition, we will not pay benefits:

· When repairs are performed without prior authorization

· For expenses charged for the disposal of environmentally unsafe materials.        

· For expenses charged for non-specific materials or shop supplies.

· To correct a cosmetic imperfection.

· For a breakdown resulting from the failure to stop driving or protect your vehicle from further damage after a mechanical breakdown occurs.

· For a breakdown resulting from the failure of a non-covered component.

· For a breakdown caused by or involving collision, fire, theft, vandalism, riot, explosion, lightning, earthquake, windstorm, hail, water, freezing or flood.

· For loss of time, inconvenience, lodging, food, storage or other consequential loss or damage that results from a breakdown.

· For a breakdown caused by abuse, misuse, alterations or lack of customary maintenance as recommended in the maintenance requirements of this Agreement and/or in the Manufacturer’s Maintenance schedule for your vehicle.

· For a breakdown or damage caused or contributed to by operating a vehicle that does not have proper levels or specification (type) of fluids, lubricants or coolant.

· For a breakdown caused by or contributed to by the use of contaminated fluids, improper fuels or sub-standard oil.

· For a breakdown caused by rust or weather related corrosion.

· If your vehicle’s odometer has been stopped, altered or misrepresents actual mileage.

· For a breakdown which existed prior to the date issued.

· If your vehicle is a non-U.S. specification model.

· For failure to maintain your vehicle in accordance to the maintenance requirements of this Agreement.

· For a breakdown caused by towing a trailer or another vehicle unless your vehicle is equipped for this as recommended by the manufacturer.

· For a breakdown caused by using your vehicle for racing or other competition.

· For the repair of valves and/or rings for the purpose of raising the engine’s compression when a breakdown has not occurred.

· For a breakdown caused by or involving modifications unless those modifications were performed by the manufacturer.

· If your vehicle has been modified to plow snow, we will not pay benefits whether the snowplow blade is attached to the vehicle or not.

· If your vehicle is used for commercial purposes or is a truck rated more than 1 ton.  Examples of commercial use are: police vehicle, emergency vehicle, hauling, construction (other than driving to and from work), deliveries, daily rentals, off-roading, carry passengers for hire, snowplowing.

 

For any consequential or incidental damage or loss should your vehicle be involved in a collision caused by or involving a breakdown of a component covered by this Agreement.