Comprehensive Vehicle Coverage

1. Apply for membership

2. Open a savings/share account with only $5

3. Check Vehicle Protection Plan Eligibility

How It Works

Program Highlights

  • 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.

Benefits At Every Level


24/7 Emergency Roadside Assistance

Provides assistance for flat tire, battery, jump start, fuel delivery, lockout service and towing.

Trip interruption

Trip Interruption

Reimbursement costs for meals and lodging due to mechanical breakdowns while away from home.

Substitute Transportation

Substitute Transportation

Reimbursement for rental car and rideshare services. (e.g. Uber, Lyft, etc.)

Coverage That Could Save You Money

Average Repair Costs

Comprehensive Vehicle Coverage (CVC) is a great investment to save you from unexpected, and often hefty repair bills for common repairs like the ones listed here.



Cylinder Head

Timing Belt or Chain

Electronic Control Module



Navigation System

Air Conditioner Compressor


Repair costs were calculated using a national average of $125 per hour for labor. The vehicles used in the calculation are as follows: Chevrolet C1500 Silverado 5.3L, Nissan Maxima 3.5L Ford Explorer 3.5L V6, Toyota Camry 3.5L V6, Dodge Grand Caravan V6, Honda Accord 2.4L, Mazda 6 2.5L V4. Vehicles are model year 2015. All vehicles and manufacturers are registered trademarks of their respective corporations.

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

Plan Overview & Eligibility

Vehicle Eligibility by Plan

*Contracts are just samples and the terms and conditions may vary by state.

Compare Plan Coverage

Repair Elite Enhanced Essential
Drive Axle
Seals and Gaskets
Taxes and Fluids
Fuel System
Cooling System
Braking System
Body Systems
Electrical System
Air Conditioning
High Tech/Convenience Group
Advanced Safety Systems
Hybrid System
Dozens of Additional Parts



Where can I take my vehicle for repairs?

When does my coverage begin?

What is the free look period?

Is the policy transferable?

Can I drive Uber/Lyft and still have coverage?

Can I use my vehicle as a snow plow and still have coverage?

Are vehicles with pre-existing conditions covered?

Are vehicles with branded or salvage titles eligible for coverage?

What vehicles are not eligible for coverage?

What are some of the exclusions?

Getting Vehicle Coverage Could Save You Money

Automotive insurance keeps you safe in case of theft or accidents, but it doesn’t pay for mechanical breakdowns. Combining the benefits of collision insurance with Comprehensive Vehicle Coverage gives you peace of mind on the road.


1. Apply for membership

2. Open a savings/share account with only $5

3. Check Vehicle Protection Plan Eligibility

Disclosures Print Icon Print

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.

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