Four steps between a quote and a repair you don't dread.
A service contract should be effortless to use on the worst day of the car's year. Here's the whole path, with nothing hidden in the fine print.
- 1
Match the plan to the machine
Coverage is built around your car's make, age, mileage, and how much protection you want — from core powertrain to near-comprehensive. You set the deductible too.
Takes one short conversation.
- 2
Drive, with the gap closed
Once the contract is active, eligible repairs are covered for its full term. Nothing to track day to day — the protection simply sits behind you.
Coverage begins after a brief waiting period.
- 3
Something fails — take it in
Bring the vehicle to a marque specialist or authorized dealer. The shop diagnoses the fault and contacts LuxGuard to confirm what's covered before work begins.
Roadside assistance and towing are included on most plans.
- 4
We settle the covered cost
LuxGuard pays the repair facility directly for the covered portion. You pay your flat deductible and drive away — no reimbursement paperwork, no waiting on a check.
You only ever handle the deductible.
What a covered repair actually feels like.
- 1
A warning light comes on. You drop the car with a marque specialist near you.
- 2
The shop diagnoses a failed component and calls LuxGuard before touching the repair.
- 3
LuxGuard confirms coverage and authorizes the work — often the same day.
- 4
The shop completes the repair. LuxGuard pays them directly for the covered amount.
- 5
You pay your flat deductible, collect the car, and get on with your week.
Questions drivers ask before they protect a car.
Do I have to use a dealership?
No. Any licensed repair facility in the U.S. can perform covered work — including the marque specialist you already trust.
What's a waiting period?
A short window after the contract starts before claims can be filed. It keeps coverage fair for everyone and is explained clearly in your contract.
What if I sell the car?
Most LuxGuard contracts are transferable, so remaining coverage can pass to the new owner — a genuine selling point on a high-value vehicle.
Is this car insurance?
No. A vehicle service contract covers mechanical breakdowns and wear — the things auto insurance specifically excludes. The two work alongside each other.
Ready to close the gap?
Get a free quote built around your vehicle — or ask us anything first.