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

  • Make your decision with peace of mind with a 60 day free look period

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

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

Trip interruption

Substitute Transportation

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

Substitute Transportation

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

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

Coverage begins on day 1 and there is no waiting or validation 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.

Yes, with a transfer fee. Please refer to fee & other stipulations that are referenced in Section 7 of the contract.

No, coverage does not apply to vehicles that are used for Uber/Lyft or rideshare services.

No, coverage does not apply to vehicles used for snow plow purposes.

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.

No, branded or salvage titles are not eligible, excluding mileage exemption.

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.

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.

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


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.