Smart buyers read the fine print. Want to know what is not covered under Mechanical Breakdown Protection? Here’s what is excluded:

Components:

Non-factory audio equipment, shock absorbers and MacPherson struts and mounting plates, standard transmission clutch assembly, friction clutch disc and pressure plate, throw out bearing, manual linkages, safety restraint systems except air bag components due to mechanical failure, glass, lenses, sealed beams, light bulbs, fuses, cellular phones, televisions and DVD players, keyless entry transmitters (key fob), brake rotors and drums, exhaust and emission systems, batteries, weather strips, trim items, moldings, bright metal, chrome, upholstery and carpet, paint, outside ornamentation, bumpers, body sheet metal and panels, frame and structural body parts.

Maintenance related services and parts:

Alignments, wheel balancing, tune-ups, spark plugs, spark plug wires, hoses (except steering and air conditioning), belts (except timing belt), brake pads, brake linings/shoes, and wiper blades. Filters, lubricants, coolants, fluids and refrigerants will be covered only if replacement is required in connection with a covered breakdown.

Other exclusions:

• For repairs to your vehicle when the breakdown or condition existed prior to the contract purchase date.
• For any breakdown caused by collision, fire, theft, vandalism, riot, explosion, lightning, earthquake, freezing, rust or corrosion, windstorm, hail, water or floods, salt, environmental damage, contamination of fluids, coolants or lubricants.
• For any breakdown caused by misuse, abuse, negligence, lack of normal maintenance required by our maintenance schedule for your vehicle, or improper servicing by you or any other repairer. For any breakdown caused by the failure to maintain proper levels of lubricants and/or coolants, or failure to protect your vehicle from further damage when a breakdown has occurred. To keep this contract in force, you must maintain your vehicle to the standards set forth in your Owner’s Manual.
• For any breakdown if your vehicle has been used for racing or other forms of competitive driving, or for towing a trailer or another vehicle or object, unless your vehicle is equipped with a factory installed or factory authorized tow package, and you do not exceed the maximum approved towing capacity as recommended by us for your vehicle.
• For any repair or replacement of any covered part if a breakdown has not occurred, or if the wear on that part has not exceeded the field tolerances as outlined in our service specifications. For the repair or replacement of cylinder head valves or piston rings for the purpose of raising the engine’s compression when a breakdown or failure has not occurred. For the replacement of aged or weeping seals and gaskets, as this is considered to be normal wear and tear, and is not covered. For damage caused to your vehicle as a result of overheating due to the failure of a non-covered component. Additionally, if the overheating is caused by the breakdown or failure of a covered component, the contract does not cover damage you could have prevented.
• If any alterations have been made to your vehicle or you are using or have used your vehicle in a manner not recommended by us, including but not limited to, the failure of any custom or add-on part, all frame or suspension modifications, oversized or undersized tires, emissions and/or exhaust systems modifications, or engine modifications.
• If your odometer has ceased to operate and odometer repairs have not been made immediately, or the odometer has been altered in any way since you have had possession of your vehicle. Please notify us immediately in the event of an odometer failure. You will be required to have repairs to the odometer completed within seven (7) days of failure. Documentation of the repair date and odometer reading, before and after the repair must be sent and accepted by us.
• 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 the contract, whether or not related to the parts covered. For loss of use, time, profit, inconvenience, or any other consequential loss. We are not liable for delays in performance or failure to perform in whole or in part under the terms of the contract due to labour dispute, strike, shortages, acts of war, civil commotion, accident, flood, or other causes beyond our control.
• When the responsibility for the repair is covered under the original warranty from us or any other insurance policy or parts warranty, such as extended drivetrain, major component or full coverage warranties (regardless of our remaining manufacturer’s warranty when you purchased the contract), or a repairer’s guarantee/warranty. Further, coverage under the contract is similarly limited in the event of a breakdown if we have announced our responsibility through any means, including public recalls and factory service bulletins.
• If your vehicle is used for commercial purposes which include: rental, police or emergency use, road repair operations, hauling, driving school, route work, vehicles used primarily off road, taxi or public hire, job site activity, courier or delivery, snow removal, construction, limousine or shuttle.
• For any breakdown that is not reported within 7 days of its occurrence, or if the information provided by you, or the repair facility, cannot be verified as accurate.
• For any breakdown when the vehicle purchase date differs from the contract purchase date. This exclusion is waived when a) your vehicle has passed an official vehicle inspection conducted by your selling dealer and submitted to the administrator at the time of contract purchase or b) if you selected and qualified for a new vehicle plan or certified vehicle plan.
• If your vehicle is not insured by a chartered insurance company in Canada at the time in which your vehicle incurs a breakdown or if you are not a Canadian resident or your vehicle is being used more than one hundred eighty (180) days a year outside of Canada.