An extended service contract can save you from sticker shock when your car needs a costly repair after the factory warranty ends. MotoAssure is a leading provider of vehicle protection plans (extended warranties) designed to fill that gap. MotoAssure Administration is “a leading provider of vehicle protection plans” that offers “flexible, transparent, and cost-effective alternatives to manufacturer-backed service contracts”smb.ourdavie.com. In practice, MotoAsure’s plans cover major vehicle systems – such as the engine, transmission, electrical system, and more – much like an OEM warranty, but without the high dealer markup or strict limitationssmb.ourdavie.comsmb.ourdavie.com. The company emphasizes customer-focused service, pledging to “efficiently and fairly process your claims” while delivering “exceptional customer service”
MotoAssure’s website shows that every protection plan carries a high coverage limit (up to $12,500 or the vehicle’s cash value) and includes bonus benefits like roadside assistance and rental car reimbursement. Customers can choose from tiered plans (Platinum, Gold, or Powertrain) that fit different vehicles and budgets, plus an optional Pre-Paid Maintenance plan. Each plan is backed by clear terms and no hidden feessmb.ourdavie.com, reflecting MotoAsure’s commitment to transparency. The company is also BBB-accredited with an A- ratingbbb.org, underscoring its focus on trust and high service standards.
Table of Contents
What is MotoAssure?
MotoAssure (also known as MotoAssure Administration) is a third-party extended warranty administrator specializing in coverage for older and high-mileage vehicles. In practical terms, MotoAssure sells vehicle service contracts – essentially extended warranties – to drivers who want protection after the factory warranty expires. MotoAssure’s coverage is non-dealer affiliated and often more affordable than manufacturer-backed plans. According to a recent press release, MotoAssure plans “offer many of the same benefits drivers seek in traditional warranties—such as coverage for major systems—without the markup or rigid restrictions found in manufacturer programs”smb.ourdavie.com. This makes MotoAssure an attractive option for drivers of used cars, imports, classics, or any vehicle past the 100,000-mile mark. The company highlights transparent, no-surprise contracts and customizable coverage limits to meet diverse needssmb.ourdavie.com.
MotoAssure prides itself on being customer-first. Its stated mission is to place customers at the centre of everything and to process claims “efficiently and fairly” while setting an industry standard for servicemotoassureadmin.com. In practical terms, drivers can expect a straightforward claims process, nationwide repair options (you can usually choose any licensed shop), and helpful support when needed. BBB-accredited (with an A- rating) adds confidence that MotoAsure follows trusted business practices. Overall, MotoAsure is positioned as a modern, consumer-friendly extended warranty provider – especially suited for people who want comprehensive coverage without going through a car dealer’s plan.
MotoAssure Protection Plans
MotoAssure offers several plan levels and services to fit different vehicles and budgets. The main protection plans are Platinum, Gold, and Powertrain, plus an optional Pre-Paid Maintenance Plan for new members. Each plan has the same high coverage limit (usually $12,500 or the vehicle’s full cash value) and includes extras like 24/7 roadside assistance and rental car reimbursement.
- Platinum Plan: This is MotoAssure’s top-tier plan, covering nearly every part and system of the vehicle. According to the company, the Platinum plan “extends to almost every part, component, and system of your vehicle, providing a level of protection as close as possible to what manufacturers offer”motoassureadmin.com. Key systems covered include the engine, transmission, electrical components, suspension, steering, cooling, A/C, fuel system, and smaller items like power windows and seals/gasketsmotoassureadmin.com. In short, if it’s not a simple wear item, chances are the Platinum plan covers it.
- Gold Plan: The Gold plan provides extensive coverage for major systems, a step below Platinum. It explicitly names covered systems such as air conditioning, drivetrain, steering, fuel, and moremotoassureadmin.com. If a part or system is listed, it’s covered; if not listed, it generally isn’t. This plan also allows optional add-ons for high-tech components (like navigation or entertainment systems) and commercial usage to tailor coverage further. Gold offers broad protection without covering every small detail, making it a mid-level choice for many drivers.
- Powertrain Plan: The Powertrain plan focuses on the most vital components, especially for older or high-mileage vehicles. As MotoAssure explains, this plan “focuses on safeguarding the most vital components of your vehicle” beyond just engine and transmission, and it’s available for most cars up to 200,000 milesmotoasureadmin. The basic Powertrain plan covers the engine, transmission, drive axle, transfer case, and turbocharger (if applicable)Powertrain-Plus or Enhanced tiers add more (like A/C, electrical, or suspension). In essence, the Powertrain series lets owners of older cars keep riding worry-free by covering the parts most likely to fail after the factory warranty ends.
- Pre-Paid Maintenance Plan: MotoAssure even offers a maintenance plan for the first year of coverage. This add-on covers routine services—three oil changes, brake pad replacements, a new battery, and cooling system maintenance. It’s meant to ensure your vehicle stays in good shape (proper maintenance is required for warranty validity) and to save you money early on. Owners pay a one-time surcharge to include this plan, which can be cost-effective if you would otherwise pay out-of-pocket for these basic services.
Each MotoAssure plan has clear contract terms and a “no surprises” philosophysmb.ourdavie.com. For example, the paperwork lists covered systems and any exclusions, so you know upfront what to expect. Importantly, every MotoAsure protection plan includes 24/7 roadside assistance and rental car coverage for approved claimsmotoassureadmin.com. That means if your car breaks down, MotoAsure can help with towing or a rental vehicle while yours is being repaired – a welcome convenience many drivers appreciate.
Top 7 Benefits of MotoAssure
Choosing an extended warranty or vehicle protection plan helps to compare the advantages. Here are seven key benefits of choosing MotoAssure for your vehicle:
- Comprehensive Coverage for Major Systems: MotoAsure plans can cover almost all of your car’s essential parts. For example, the Platinum plan “extends to almost every part, component, and system of your vehicle”motoasureadmin.com, from the engine and transmission to the A/C, steering, and electrical systems. Having such broad coverage means you’re protected against many unexpected breakdowns. Instead of worrying about a $4,000 transmission or a $700 A/C compressor, a MotoAsure plan helps pay for those repairs.
- Protection for High-Mileage and Older Cars: Unlike many dealer warranties that cut off after a set time or mileage, MotoAsure specializes in older vehicles. Its Powertrain plans are available for cars up to 200,000 milesmotoasureadmin.com, and newer plans are specifically tailored for high-mileage daily drivers and classic carssmb.ourdavie.com. In other words, if your vehicle is past the factory warranty – even a decade old or with 120,000 miles – you can still get coverage. The company emphasizes plans for “vehicles beyond factory warranty” and helps owners drive longer without costly repairssmb.ourdavie.commotoasureadmin.com.
- Affordable, Transparent Pricing: Many customers find MotoAsure plans more affordable than dealer-backed warranties. The company advertises “cost-effective alternatives” and plans to prioritize transparency and affordability. MotoAsure’s plans aim to deliver “many of the same benefits drivers seek in traditional warranties” – like coverage for major systems – “at a fraction of the price”smb.ourdavie.comsmb.ourdavie.com. There are no hidden fees or surprise costs, and deductible options can be chosen to fit your budget. A clear, straightforward contract (with “no hidden fees” and customizable limitssmb.ourdavie.com) gives drivers confidence that they aren’t paying for coverage they won’t use.
- Bonus Roadside Assistance and Rental Car: Every MotoAsure plan has added perks to make breakdowns easier. The company explicitly includes 24/7 roadside assistance and rental car reimbursement in its plansmotoasureadmin.com. If your car breaks down on the highway or needs serviced, MotoAssure will dispatch help and cover a rental vehicle for a set period. These extras mean less hassle for you and keep your life on the road even when your car is in the shop. Riders know they won’t be stranded or left without a car during repairs – a vital benefit many dealers charge extra for.
- Flexible Plan Options and Add-Ons: MotoAssure offers different tiers and add-ons, so you only pay for the coverage you need. For instance, the Gold and Powertrain plans allow optional add-ons for things like high-tech electronics or commercial usemotoassureadmin.commotoassureadmin.com. You can choose a basic plan for just powertrain components or upgrade to include extras like suspension, A/C, or electrical systems. This flexibility helps drivers tailor the plan to their vehicle and usage. For example, if you have a classic car, you might add component-specific protections; if you have a daily work vehicle, you could add commercial vehicle coverage. This customization is a significant plus over one-size-fits-all options.
- Peace of Mind and Convenience: A MotoAssure plan means you can drive worry-free, knowing many repairs are covered. The press materials emphasize that these plans are designed to “mitigate the financial burden while delivering peace of mind”smb.ourdavie.com. For everyday drivers, this translates to less stress about unexpected breakdowns. In addition, MotoAsure handles claims efficiently. According to customer reviews, the claims process is straightforward and fast – some customers say MotoAsure “handled everything … including my rental car” and did so “exactly as advertised”bbb.org. Fast claim approvals and decent service turn a potential headache into a quick fix.
- Trusted Reputation and Customer Support: MotoAsure is focused on service. It is a BBB-accredited company (A- rated)bbb.org, which means it meets the Better Business Bureau’s standards for trust. The administration’s mission statement highlights “exceptional customer service” and fair claims processing. Indeed, reviewers frequently praise the company for being honest, dependable, and easy to work withbbb.org. This reputation is a benefit: knowing the company is committed to customer satisfaction makes buyers more comfortable buying a multi-year contract. In short, MotoAssure combines robust coverage with friendly service, so drivers feel supported rather than just managed by a big corporation.
Frequently Asked Questions (FAQs)
1. What types of vehicles can get MotoAssure coverage?
MotoAsure caters to a wide range of vehicles. You can get coverage for both domestic and imported cars, SUVs, and trucks. The Powertrain plans are specifically available for vehicles up to 200,000 milesmotoassureadmin.com, so even higher-mileage cars qualify. If your vehicle is past the original manufacturer warranty and in good running condition, it’s likely eligible for a MotoAssure plan. They even mention plans tailored to classic cars and daily driverssmb.ourdavie.com. Always check with an agent for your specific make, model, and mileage, but MotoAssure is known for accepting older cars that dealer warranties usually won’t cover.
2. How do MotoAssure plans differ from manufacturer warranties?
Manufacturer (dealer) warranties typically expire a few years or tens of thousands of miles after purchase, and they only allow you to use authorized dealer shops. MotoAssure’s vehicle service contracts kick in after the factory warranty ends and often cover similar systems (engine, transmission, etc.)smb.ourdavie.com. The significant differences are cost and flexibility: MotoAsure plans are usually less expensive, have no hidden fees, and let you choose any qualified repair facility. They also offer vehicle coverage beyond the factory warranty period (for example, cars over 100,000 milessmb.ourdavie.com). In short, you get many of the same protections but under terms that work better for older or used car owners.
3. What exactly does a MotoAssure plan cover?
Coverage depends on the plan you choose. The higher-level Platinum plan covers almost all major components – engine, transmission, electrical, A/C, cooling, steering, seals, and moremotoasureadmin.com. The Gold plan covers a long list of systems (A/C, drivetrain, suspension, etc.) as named in the contractmotoasureadmin.com. Powertrain plans cover the engine, transmission, drive axles, and related partsmotoassureadmin.com. All plans exclude routine wear items (brake pads, wiper blades, etc.) and list any exclusions. Notably, all plans include roadside assistance and rental car benefits. Customers should review the specific policy contract to see details, but broadly speaking, MotoAssure plans to protect against major mechanical failures.
4. Is there a deductible or waiting period?
Yes, like most service contracts, MotoAssure plans include a deductible that you pay per repair visit. The amount can vary (often $100–$250), but choosing a higher deductible typically lowers your monthly payment. There is usually a short waiting period after signing up (e.g., 30 days or a particular mileage) before coverage begins – this prevents signing only after a known problem. However, once the waiting period is over, covered repairs can be made without additional surprise fees. The contract will spell out the deductible and any waiting period in plain language, in line with MotoAssure’s “clear terms” promisesmb.ourdavie.com.
5. How do I file a claim with MotoAssure?
Filing a claim is simple. When a covered repair is needed, you or your repair shop call MotoAssure’s claim centre. The administrator reviews the repair estimate and, if approved, issues an authorization. Since MotoAssure aims for fast service, many claims are approved within hours. Drivers report that MotoAssure has approved claims quickly and even provided rentals promptly. Policyholders can usually choose any licensed mechanic, not just dealerships. If you have questions about the process, MotoAssure’s customer service (noted for being responsivemotoassureadmin.com) can guide you through the steps.
6. Can I transfer my MotoAssure plan if I sell my car? Yes, MotoAssure plans are typically transferable. If you sell your vehicle, you can often transfer the remaining coverage to the new owner, boosting resale value. The process is straightforward: contact MotoAssure with the new owner’s info and the sale details. They will update the contract. A nominal transfer fee may apply, but it’s often worth it since an extended warranty can be a selling point for buyers. Always confirm the current transfer policy with MotoAssure at the time of sale, as terms can vary by plan and state.
MotoAssure brings dealer-like extended warranty benefits to everyday drivers – especially those with used or high-mileage cars – at lower cost and with more flexibility. Offering extensive coverage, roadside assistance, and strong customer support help, drivers avoid costly repairs and drive confidently. With its transparent terms and BBB-accredited servicebbb.orgsmb.ourdavie.com, MotoAssure is a protection partner many smart drivers turn to once their factory warranty expires.
