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Vehicle Service Contracts & Coverage

Understand your options before choosing coverage.

Atlas Vehicle Protection offers vehicle service contracts designed to help with certain eligible mechanical repair costs when covered vehicle components break down.

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Essential PlusListed-component coverage extending beyond the powertrain

Essential Plus builds on specified engine, transmission, transfer-case and drive-system component coverage by adding listed components in additional vehicle systems.

Examples include the air-conditioning compressor, water pump, alternator, starter motor and listed steering components. Coverage applies to the specific components identified in the agreement rather than every component within a named system.

Seals and gaskets are covered when needed with a covered repair. Certain vehicle configurations and additional coverage may require applicable surcharges.

Added systems include
Air conditioning and heatingCoolingGasoline fuelElectricalSuspensionBrakesABSSteering
View Sample Contract
PremiumExpanded listed-component coverage

Premium includes the Essential Plus component lists and adds specified components across additional areas of the vehicle.

The factory audio coverage described in the applicable agreement excludes speakers and graphic equalizers.

Coverage remains subject to the agreement’s component descriptions, exclusions, limits and applicable surcharges.

Additional covered components include
Transmission controlsFuel injectorsEngine and powertrain control modulesPower-seat motorsHeater-core componentsAir-conditioning evaporator componentsFactory audio components
View Sample Contract
ExclusiveBeeCovered’s broadest coverage option offered through Atlas

Exclusive uses a different coverage approach. Rather than providing only a list of covered components, the agreement identifies parts and services that are not covered. Component breakdowns are covered unless excluded, subject to the agreement’s complete terms, conditions and limits.

Hybrid-battery coverage requires the applicable option and surcharge. Engine blocks, cylinder heads and certain housings also have specific coverage conditions.

Review the complete applicable agreement to understand the exclusions, limits and requirements for your vehicle.

Examples of exclusions include
Maintenance and wear itemsBody and trim componentsGlassBrake pads and rotorsSafety-restraint components
View Sample Contract
Powertrain ChoiceListed-component coverage for the powertrain and selected additional systems

Powertrain Choice identifies covered components within the engine, factory turbocharger or supercharger, transmission, transfer case and drive axle. It also includes specified components within additional systems such as air conditioning, heating, cooling, fuel and electrical.

Examples include listed air-conditioning components, the radiator, alternator, starter motor and power-window components.

Seals and gaskets are included when required as part of repairing or replacing covered parts under the coverage description. Standalone leaking seals and gaskets are not covered. Certain housings are covered only when damaged by a covered internally lubricated part.

Covered components within
EngineFactory turbocharger or superchargerTransmissionTransfer caseDrive axle
View Sample Contract
DeluxeListed-component coverage across a wider range of vehicle systems

The coverage description also includes specified factory-installed comfort equipment and certain EV and hybrid components.

Examples include specified navigation and entertainment equipment, certain driver-assistance systems and additional electrical components.

Leaking seals and gaskets on listed covered parts are included in the coverage description, although minor fluid loss or seepage is not treated as a mechanical breakdown. Component-specific conditions and the complete agreement still apply.

Systems include
PowertrainClimate controlCoolingFuelBrakesElectricalSuspensionSteering
View Sample Contract
Ultimate New Car CoverageBroad coverage defined primarily by exclusions

Ultimate uses an exclusionary coverage approach. It describes coverage for vehicle assemblies and parts, including eligible EVs and hybrids, except for items identified as not covered and circumstances addressed by the agreement’s exclusions.

The coverage description also identifies an optional maintenance plan that applies only when the applicable surcharge is selected.

Ask Atlas which options are available for your vehicle.

Examples of excluded items include
Body and trim componentsLighting componentsExhaust componentsBatteriesTiresSafety-restraint systemsRoutine maintenance services
View Sample Contract
Why the documents matter

Coverage summaries are not your contract

Coverage summaries are useful for comparing options. But they are not your contract. Your issued agreement and applicable schedule or registration page determine the coverage that actually applies to you.

Similar plan names do not necessarily mean similar coverage. The actual agreement controls.

Before purchasing, review

Pay particular attention to:

Covered componentsExclusionsDeductibleWaiting periodsCoverage termMileage limitsBenefit limitsClaims proceduresMaintenance requirementsCancellation provisionsOptional coverage or surcharges
Choosing an option

Which coverage option is right for my vehicle?

There isn’t one coverage option that is automatically right for every driver or every vehicle. When comparing options, consider more than the plan name.

Look at the actual covered componentsA heading such as “electrical” or “transmission” does not necessarily mean every component within that system is covered. Listed-component agreements identify the specific eligible parts.
Look at the exclusionsExclusionary coverage should be evaluated by carefully reviewing what the agreement specifically excludes.
Check eligibilityNot every coverage option may be available for every vehicle. Vehicle characteristics and applicable eligibility and state requirements can affect which options are available.
Understand the deductibleAsk about our $100 or $0 deductible options. Your actual deductible and any other amounts you may owe depend on your contract and the applicable repair.
Check when coverage beginsYour agreement may require specified time and mileage requirements to be satisfied before breakdown coverage begins. Review the applicable waiting period, term and mileage limits.
Maintenance versus breakdown protectionRoutine maintenance and wear items are generally treated differently from covered mechanical breakdowns. If an optional maintenance package is available, confirm that it has actually been selected and review its individual benefits and limits.
Talk With Atlas About Available Options
Additional contract benefits

Benefits depend on the applicable agreement

Benefits depend on the applicable agreement and should always be verified against your contract.

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24-hour roadside assistanceAll Atlas plans include 24-hour roadside assistance. Review your agreement for the applicable service instructions, conditions and benefit limits.
Rental and travel benefitsCertain agreements may include benefits related to rental transportation or trip interruption. Availability, limits and conditions depend on the applicable agreement.
Payment optionsAsk Atlas about available payment arrangements, including options with a down payment and monthly installments. Review the total cost, payment schedule and applicable terms before agreeing to coverage.
Who administers your contract

Understanding the different companies involved

Understanding the different companies involved in a vehicle service contract is important.

1Atlas Vehicle ProtectionAtlas is the seller of the vehicle service contract. We help customers explore available options, purchase coverage and identify the appropriate support path when assistance is needed.
2Your contract administratorThe administrator identified in your agreement is responsible for administering the contract and handling applicable claim authorization according to its terms. Atlas works with established administrators including BeeCovered and EFG Companies / Enterprise Financial Group. The legal administrator identified in an agreement may differ from the brand name used when discussing coverage, and responsibilities may vary according to the agreement and applicable state requirements.
3The obligor and insurerYour agreement may also identify an obligor responsible for specified contractual obligations. Where insurance backing applies, the agreement identifies the applicable insurer and explains the circumstances under which the insurer responds.
BeeCovered

BeeCovered provides vehicle service contract administration and related services. Atlas currently offers BeeCovered-administered coverage options including:

Essential PlusPremiumExclusive

Bee Auto Administration, Inc. holds an A+ Better Business Bureau rating and is BBB accredited.

Explore BeeCovered Options
EFG Companies / Enterprise Financial Group

EFG Companies provides vehicle protection product administration and related services. Atlas currently offers EFG-administered coverage options including:

Powertrain ChoiceDeluxeUltimate New Car Coverage

Enterprise Financial Group, Inc. holds an A+ Better Business Bureau rating and is BBB accredited. EFG’s published administration and underwriting information also describes relationships with AM Best A-rated insurance companies.

Any financial-strength rating applies to the applicable named insurer—not Atlas, EFG as administrator, an individual service contract or a claims decision.

Explore EFG Options
How coverage works

While every contract is different, the basic process looks like this

1You choose an available coverage optionAtlas helps you explore vehicle service contract options available for your vehicle. Eligibility and available coverage can depend on factors including the vehicle and applicable state requirements.
2Your agreement defines your coverageYour issued contract identifies what is covered, what is excluded, your deductible, applicable limits and benefits, and other requirements.
3A covered mechanical problem occursIf your vehicle experiences a mechanical breakdown, review the claims instructions in your agreement before authorizing repairs where prior authorization is required.
4Your administrator handles the claims processThe administrator identified in your contract is responsible for administering the agreement and handling applicable claim authorization according to its terms.
Already have coverage and need help with a breakdown?Claims & Breakdown Help
Common questions

Common questions about vehicle service contracts

Is a vehicle service contract the same as a manufacturer’s warranty?

No. A vehicle service contract is a separate agreement with its own coverage, exclusions, conditions and term.

If your vehicle has an existing manufacturer’s warranty, dealer coverage or another service contract, review that coverage for possible overlap.

Learn More: Warranty vs. Vehicle Service Contract
Does a system name mean every component is covered?

Not necessarily. For listed-component coverage, the agreement identifies the specific components that are eligible.

For exclusionary coverage, review both the coverage description and the complete list of exclusions and conditions.

Can I choose any Atlas coverage option shown on this page?

Not necessarily. Available options depend on your vehicle and applicable eligibility and state requirements.

An Atlas representative can discuss the options available for your situation.

Are maintenance benefits automatically included?

Do not assume so. Some coverage materials describe optional maintenance benefits that apply only when the applicable option or surcharge is selected.

Your individual agreement determines the benefits you purchased.

How do I start a claim?

If you already have coverage and your vehicle experiences a mechanical problem, follow the claims instructions in your issued agreement. The administrator identified in your contract handles applicable claim authorization. Authorization may be required before repairs are performed.

Claims & Breakdown Help
How do I cancel a vehicle service contract?

Cancellation rights, procedures and any applicable refund depend on the terms of your individual agreement.

Cancellation Information
Find an option for your vehicle

Understanding the differences is the first step

When you’re ready, tell Atlas about your vehicle and speak with a representative about the coverage and payment options available for your situation.

Request a QuoteCall Sales: 888-600-8084

Requesting a quote does not enroll you, confirm eligibility or start coverage.

Already have an Atlas contract?

Start with Customer Support

This page is designed to help prospective customers understand Atlas vehicle service contracts. If you already purchased coverage and need assistance with your contract, administrator, billing or next steps, start with Customer Support.

Customer Support
Customer Service833-698-6777