How It Works
- Coverage starts on day one
- Freedom to use any licensed repair facility in the US & Canada
- Coverage is renewable and transferable to a new owner
Our driver benefits are the
industry’s only MotorTrend®
Recommended Best Buy.
Coverage That Could Save You Money
Coverage Beyond Factory Warranty
- Most factory warranties cover your vehicle for three years or 36,000 miles. If you drive more than 12,000 miles per year, your factory warranty may expire before it reaches its time limit
- Repair frequency increases as mileage increases
- Today’s vehicles have more high tech components, which could lead to higher repair costs
- Product not available to residents of CA, MA, or Puerto Rico
- Product not available on vehicles used for commercial purposes
- $0, $100, and $250
- Multiple deductible options allow for flexible coverage while balancing plan cost
|Seals and Gaskets|
|Taxes and Fluids|
|High Tech/Convenience Group|
|Advanced Safety Systems|
|Dozens of Additional Parts|
Where can I take my vehicle for repairs?
You may take the vehicle to any licensed repair facility of your choice in the US, its territories/possessions and Canada. Prior authorization on repairs is required by the administrator before services or payments.
When does my coverage begin?
Coverage begins on day 1 and there is no waiting or validation period.
What is the free look period?
60 day free look period. In the event of cancellation of your contract within the first 60 days. You are entitled to a full refund, provided no claim has been authorized or paid. After 60 days, or if a claim has been authorized or paid. You will receive a pro rata refund based on the greater or days in force or the miles driven related to the term of your contract, minus a cancellation fee.
Is the policy transferable?
Yes, with a transfer fee. Please refer to fee & other stipulations that are referenced in Section 7 of the contract.
Can I drive Uber/Lyft and still have coverage?
No, coverage does not apply to vehicles that are used for Uber/Lyft or rideshare services.
Can I use my vehicle as a snow plow and still have coverage?
No, coverage does not apply to vehicles used for snow plow purposes.
Are vehicles with pre-existing conditions covered?
No, benefits are not provided for a condition which can be shown to have existed prior to the effective date of the contract, or which existed prior to the expiration of the manufacturer's warranty.
Are vehicles with branded or salvage titles eligible for coverage?
No, branded or salvage titles are not eligible, excluding mileage exemption.
What vehicles are not eligible for coverage?
Ineligible vehicles include but are not limited to: Aston Martin, Audi R8, Bentley, BMW Alpina, Callaway Corvette, Daewoo, Ferrari, GM models modified by SLP, Hennessey Camaro, Honda FCX, Lamborghini, Lexus LFA, Lotus, Maserati, Mercedes-Benz SLR McLaren, Mercedes-Benz SLS AMG, Mercedes-Benz Black Series, Mustang Shelby Super Snake, Nissan GT-R, Porsche Carrera GT 10 Cylinder, Porsche models with an Evolution package, Rolls-Royce, Roush Mustang, Saleen Mustang, Tesla or any incomplete vehicle.
What are some of the exclusions?
Some exclusions include but are not limited to: Preventative maintenance or pre-existing conditions, any alterations not recommended by the manufacturer, any failure resulting from abuse, misuse or neglect, including failure to use all reasonable precautions to protect the vehicle from further loss or damage after a mechanical breakdown or failure has occurred, any failure resulting from collision, theft, vandalism, or acts of God. This is not a complete list, make sure you read and understand the contract for a full explanation of all exclusions and limitations.
Protection plan products are not a deposit or obligation of, or guaranteed by, PenFed. These products are not insured or guaranteed by NCUA or any agency of the federal government.
MemberCare is a registered trademark of APCO Holdings, LLC. MotorTrend is a registered trademark of MotorTrend Group, LLC.