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.
Protect your ride
Comprehensive vehicle protection plans
Peace of mind from the moment you sign up
Drive with confidence
Buying a car is exciting but is one of the biggest financial decisions. While vehicle breakdowns can happen and the cost can be substantial. With PenFed’s Auto MemberCare Driver Protection, vehicle coverage goes beyond Manufacturer’s Warranty. It’s protection for unexpected repairs. Watch this video to learn more about how MemberCare Driver Protection may be right for you.
Why choose a plan from us?
- Immediate coverage: Enjoy protection from day one
- Flexibility: You're free to select any licensed repair facility in the US or Canada, with deductible options ranging from $0 to $250
- Peace of mind: Coverage is renewable and transferable to a new owner
Features & Benefits
Coverage that saves 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 below:
- Engine: $10,071
- Transmission: $7,776
- Timing belt/chain: $2,937
- Air Conditioner: $2,688
- Hybrid Generator: $5,787
- Radiator: $1,732
*Repair costs represented are from actual claims paid through APCO Holding Inc.
Auto repairs are a fact of life
Don't let your warranty leave you in the lurch. Most factory warranties expire after just three years or 36,000 miles.
The longer you drive, the more repairs you'll need. As your mileage climbs, so does the risk of breakdowns.
Today's cars are packed with technology. This means more complex repairs and higher costs.
Eligibility guidelines
Vehicle eligibility by plan
- Elite: Current +10 model years
- Enhanced: Current +15 model years
- Essential: Any age
Exclusions
- Not available to residents of CA, FL, MA, or Puerto Rico
- Not available for vehicles used for commercial purposes
Deductible options
- $0, $100, and $250
- Multiple deductible options allow for flexible coverage while balancing plan cost
Vehicle Protection Plans
|
Repair |
Elite |
Enhanced |
Essential |
|---|---|---|---|
|
Engine |
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Turbocharger/Supercharger |
|
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Drive Axle |
|
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Transmission |
|
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Seals and Gaskets |
|
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|
|
Taxes and Fluids |
|
|
|
|
Fuel System |
|
|
|
|
Cooling System |
|
|
|
|
Braking System |
|
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|
Suspension |
|
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|
Body Systems |
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Steering |
|
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|
Electrical System |
|
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Air Conditioning |
|
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Heating |
|
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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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FAQs
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, 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.