Gold Key Premium Full Coverage Plan mirrors your manufacturers
plan. This is the most comprehensive coverage in the
industry. This plan was designed to extend your original
manufacturer's coverage that your vehicle came with.
Can't read the page? Click
here to install Adobe Reader
GOLD KEY PREMIUM
COVERAGE DETAILS*
For
the most accurate and up to date description of coverage,
please
view the actual contract here: Gold
Key Premium Contract
DEFINITIONS
• “Commercial Use” means a vehicle
that is registered to a business and/or for business
purposes. The following vehicles are not eligible for
the “Commercial Use” option and are excluded
from coverage under this service contract: tow trucks;
snowplows; taxis; police vehicles; and vehicles that
are used in excess of manufacturer’s g.v.w. or
for excessive hauling and pulling.
• “Contract Holder” means the purchaser
or holder of this service contract.
• “Covered Part” means any part of
the vehicle covered by this service contract that is
not excluded from coverage under the section of this
service contract entitled “What is Not a Covered
Part.”
• “Mechanical Breakdown” means the
event caused by the total failure of any Covered Part
to work as it was designed to work in normal service.
Please refer to
the wording under exclusions for a listing of conditions
under which the failure of a Covered Part is not considered
a Mechanical Breakdown.
• “Participating Lender” means any
financial institution providing financing for the purchase
of the vehicle and/or this service contract.
• “Repair Facility” means any automotive
repair facility at which the Contract Holder seeks to
have service performed under this service contract.
• “Administrator” or “ACSC”
means Automobile Consumer Service Corporation, which
will administer this service contract, process and pay
claims and process
cancellations.
CONTRACT HOLDER OBLIGATIONS
• The Contract Holder hereby authorizes
the Participating Lender to: (1) be listed as joint
payee and receive any refund in the event this service
contract is canceled, or (2) to cancel this service
contract in the event the Contract Holder defaults in
his/her obligations to such lender.
• In order for this service contract to remain
in force, the Contract Holder is required to follow
the vehicle manufacturer’s required maintenance
schedule, including oil and filter changes. Failure
to follow the vehicle manufacturer’s maintenance
guidelines may result in denial of a claim. Some vehicle
manufacturers require that the timing belt be changed
at specific intervals. The Contract Holder must keep
and make available if requested verifiable signed service/purchase
receipts that show that the vehicle manufacturer’s
required maintenance has been performed within the time
and mileage limit requirements. The Contract Holder
and the Repair Facility are required to obtain from
ACSC an authorization number prior to beginning any
repair covered by this service contract.
• The Contract Holder is responsible for paying
a $50 deductible for each visit to a Repair Facility,
unless another deductible option has been purchased.
• The Contract Holder is responsible for authorizing
and paying for any tear down or diagnosis time needed
to determine if the vehicle has a covered Mechanical
Breakdown. If it is determined that the repair is needed
due to a covered Mechanical Breakdown, then the Provider
will pay for such tear down or diagnosis. If it is determined
that part of the vehicle requiring repair is not a Covered
Part or that the failure of a Covered Part is not a
covered Mechanical Breakdown, then the Contract Holder
is responsible for payment of such tear down or diagnosis.
• The Contract Holder agrees not to modify the
vehicle in a manner not recommended by the vehicle manufacturer.
PROVIDER OBLIGATIONS
• If a covered Mechanical Breakdown of
the vehicle occurs during the term of this service contract
and within the United States or Canada, the Provider
will pay the Contract Holder or the Repair Facility
for repair or replacement, as ACSC deems appropriate,
of the Covered Part(s) that caused the Mechanical Breakdown,
but only if the Contract Holder has met his/her obligations
as described in this service contract and if the Mechanical
Breakdown is not excluded under the exclusions section
of this service contract. Replacement parts can be of
like kind and quality. This may include the use of new,
used or remanufactured parts, as determined by ACSC.
• If, at the time of payment of any claim under
this service contract, there remains an outstanding
balance on the purchase price of this service contract,
ACSC may, in its sole discretion, withhold all or a
portion of the payment and apply it to reduce the outstanding
balance of the purchase price.
• The aggregate total of all benefits paid under
this service contract will not exceed the average retail
value of the vehicle, as determined by ACSC using the
National Automobile Dealer Association (NADA), or other
published industry-recognized market valuation manual,
at the time of the Mechanical Breakdown, taking age,
mileage and condition into consideration and excluding
tag, tax and license fees. The Contract Holder will
be responsible for the cost of any repairs that exceed
the maximum liability of ACSC under this service contract.
• Provider will reimburse the Contract Holder
for the cost of renting a replacement vehicle while
covered repairs are being performed, subject to the
following limitations: (1) the limit on reimbursement
is $25 per day for a maximum of six (6) days per Mechanical
Breakdown or series of Mechanical Breakdowns related
in time or cause; (2) rental reimbursement will not
be authorized until the repairs have been authorized
by ACSC; and (3) to receive rental reimbursement, the
Contract Holder must supply ACSC with a receipt from
a licensed rental agency. The number of days for which
rental reimbursement is provided will be based on labor
time charged to do the repair(s). One day rental will
be authorized for parts delay, inspection of breakdown,
and/or four (4) hours to do repairs. An additional day
of rental will be authorized for every additional eight
(8) hours of labor time charged to do the repairs.
• Provider will reimburse the Contract Holder
for motel and restaurant expenses up to $75 per day
for a maximum of three (3) days in the event of a Mechanical
Breakdown covered by this service contract that occurs
more than 100 miles from your home and results in a
Repair Facility keeping the vehicle overnight. The maximum
benefit per occurrence is $225. To receive motel and
restaurant reimbursement, the Contract Holder must supply
ACSC with his/her receipts from the providers of such
services.
COVERED PARTS
The following is a list of Covered Parts under this
Contract (Taxes and fluids needed for authorized repairs
are also included): (1)Engine – Engine head(s);
engine block; cylinder barrels; timing cover; valve
cover(s); oil pain; dip stick & tube, ONLY if damaged
by the failure of an internal, lubricated part. The
following internal, lubricated parts: pistons, pins
& rings; connecting rods & bearings; crankshaft
& main bearings; camshaft, followers & cam bearings;
push rods, valves, springs, replaceable guides, seats
& lifts; rocker arms, shafts & bushings; timing
gear, chain, tensioners & retainers; eccentric shaft;
oil pump. Also covered are the following: timing belt;
water pump; intake &exhaust manifolds; turbo charger;
engine mounts & cushions; engine torque strut; harmonic
balancer; flexplate; idler pulley bearings. (2)Transmission
– Transmission case, transfer case & torque
converter case, if damaged by the failure of an internal
lubricated part covered part. All internal, lubricated
parts contained within the cases. Filler tube &
dipstick; vacuum modulator; internal linkage; I/C chips.
(3)Driver Axle(s) – Differential house, transaxle
housing final drive housing, if damaged by the failure
of an internal, lubricated part. All internal, lubricated
contained within the housings. Axle shafts; constant
velocity joints (CV); universal joints; drive shafts;
locking hubs; locking rings; supports, retainers &
bearings. No coverage afforded for clutch assembly or
any part thereof. (4)Transfer Case – All internal
lubricated parts. (5) AC/Heating – (Includes only
factory or dealer installed equipment) Condenser; compressor,
compressor clutch, pulley; stabilizer, clutch coils;
evaporator; POA valve; accumulator; orifice; tensioner;
temperature control programmer; power module; idler
pulley bearing; blower motor; high/low cutoff switches;
pressure cycling switch; receiver/dryer. (6)Suspension
– Control arms; control arm shafts, bearings and
bushings; radius arm; radius arm bushing; stabilizer
bar; stabilizer link; stabilizer bushing; spindle; wheel
bearings; and torsion bars; steering knuckles; kingpin
& bushings (No claims on suspension will be considered
until after 90 days and 3000 miles). (7)Steering –
Steering gear box or rack and all internal Lubricated
Parts; power steering pump; steering column shaft; and
steering column shaft couplings; power cylinder; Pitman
arm; idler arm; link and control valve. (8)Cooling –
Water pump; engine cooling fan motor, radiator fan,
and fan clutch. (9)Fuel – Fuel delivery pump;
fuel injectors; nozzles and fuel tank. (10)Brake –
Non-ABS master cylinder; power brake cylinder; vacuum
assist booster; vacuum brake booster pump; compensating
valve; disc brake calipers, wheel cylinders; hydraulic
lines; hydraulic line fittings; backing plates; springs,
clips and retainers; self-adjusters; linkage and cables;
rear actuators. (11)Electrical – Alternator; generator;
voltage regulator; distributor; rear defrost; engine
control module; electric motors, window, seat, mirror,
windshield wiper; door lock actuator; Switches, window,
door lock, cruise control engagement; ignition coil;
pole pieces; starter motor; starter solenoid; wiring
harness. (12) Seals & Gaskets – Leaking seals
and gaskets on any covered part listed above. Minor
loss of fluid or seepage is considered normal and is
not considered a Mechanical Breakdown. (not covered
on vehicles with over 80,000 miles or powertrain coverage)
(13) High Tech – Level control compressor, sensors
& limiter valve; pneumatic suspension pump, sensors
& valves; ignition module; spark control detonation
sensors & controller; moisture control unit &
sensors; anti-detonation sensors; vehicle manufacturer
installed anti-theft device; the following parts of
the Anti-locking Brake System (“ABS”): pump
& pressure control module; I/C chips. (not covered
on vehicles with over 100,000 miles or powertrain coverage).
Use of non-original manufacturer’s parts in covered
repairs is allowed.
EXCLUSIONS – WHAT THIS VEHICLE SERVICE
CONTRACT DOES NOT COVER
This Contract does not cover the following: (1) Repair
or replacement of a covered component/part to correct
conditions that may reasonably be assumed to have existed
at the inception date of the coverage provided by this
contract (Pre-existing conditions); (2) A Breakdown
caused by lack of manufacturer’s specified maintenance;
(3) A Breakdown caused by contamination of or lack of
proper fuels, fluids, coolants or lubricants, including
a Breakdown caused by a failure to replace seals or
gaskets in a timely manner; Repair of any parts used,
added or replaced during a covered repair which are
not necessary to the completion of covered repair or
were not damaged by the failure of a Covered Part (Such
replacement is considered betterment and is not covered
by this Contract); (4) Any cost covered by a repairer’s
or supplier’s guarantee, or any cost which would
normally be covered by a manufacturer’s warranty;
(5) Any or other benefits for which the manufacturer
has announced its responsibility through any means including
public recalls or factory service bulletins; (6) Cost
or other damages caused by continued vehicle operation
after the failure of a Covered Part or the failure to
replace a worn part that has not failed; (7) Any liability,
cost or damages the Contract Holder may incur to the
benefit of any third parties other than ACSC approved
repair or replacement of Covered Parts which caused
a Mechanical Breakdown; (8) A Breakdown caused by overheating,
rust or corrosion; (9) A Breakdown caused by collision,
fire, electrical fire or meltdown, theft, freezing,
vandalism, flood, or for any hazard insurable under
standard physical damage insurance policies whether
or not such insurance is in force with respect to the
vehicle; (10) Loss of use, loss of time, loss profits
or savings, inconvenience, commercial loss, or other
incidental or consequential damages or loss that results
from a Breakdown; (11)Liability for damage to property,
or for injury to or death of any person arising out
of the operation, maintenance or use of the vehicle,
whether or not related to Breakdown; (12) Any part not
covered by, or excluded by the original manufacturer’s
warranty; (13) Vehicles that have been modified in a
manner that increases the likelihood of a breakdown;
(14) Consequential damage of a covered component by
a non-covered component is not covered, failure of a
non-covered component caused by a covered component
is not covered; (15) Continued operation of an impaired
vehicle which causes further damage is not covered;
(16) A gradual reduction in operating performance due
to normal wear and tear, such as valve guides, valves,
rings, and transmission clutch pack discs and bands;
(17) Frame or structural separation; (18) Service adjustments
and cleaning; (19) Any repairs to a vehicle with a title
indication of salvage or junk or other designation indicating
that the vehicle had been stolen, wrecked, destroyed,
water damaged, or otherwise to the extent that it was
considered to be uneconomical to repair, total mileage
is unknown, or lemon law buyback; (20) Any repositioning,
refitting, realignments, or body adjustments.
ROADSIDE ASSISTANCE - 1-866-827-9805
Your emergency road service begins on the effective
date of your extended service agreement and will continue
until the expiration or termination of your contract,
whichever occurs first. Your emergency road service
is available throughout the United States 24 hours a
day, 365 days a year.
Concierge Service - The customer is responsible for
payment of any services arranged (i.e. the cost of the
hotel room, rental car, etc.) directly to the provider
of the service.
Emergency Roadside Towing Service — $50 limit
for such services as fuel delivery, tire changes (customer
supplied), jump-starts, lockout, mechanical first-aid,
and towing.
ASSISTANCE OBTAINED THROUGH ANY SOURCE OTHER THAN ROADSIDE
ASSISTANCE IS NOT COVERED AND IS NOT REIMBURSABLE.
DEDUCTIBLE
The Contract Holder is responsible for paying a $50
deductible for each visit to a Repair Facility, unless
the $100 or $0 deductible option is selected.
OPTION TO PURCHASE ANOTHER SERVICE CONTRACT
WHEN CURRENT CONTRACT EXPIRES
The Contract Holder may request to purchase another
service contract when this service contract expires
if all of the following criteria are satisfied: (1)
The purchase is made at least thirty (30) days and 1000
miles prior to the expiration of the current service
contract; (2) The vehicle and all service records are
made available for inspection at Provider’s request;
and (3) The vehicle must qualify for terms of the new
service contact based on mileage and age of vehicle
when the request for the new service contract is made.
The cost for the new service contract will be based
on then current rates. If you have any questions or
wish to purchase a new service contract, contact the
selling dealer or call 1-800-824-7059.
COMMERCIAL USE DEFINED
A Commercial Use vehicle is defined as a vehicle registered
to a business and/or for business purposes. Vehicles
that are used in excess of manufacturers g.v.w. or for
excessive hauling and pulling are excluded from coverage
hereunder. Tow trucks, snowplows, Taxis, and police
vehicles are specifically excluded from coverage hereunder.
How This Contract May Be Canceled, Including Refunds
and Charges
The Contract Holder may cancel this Contract by contacting
the dealership or ACSC, P.O. Box 1231, Huntsville, AL
35805. The Contract Holder may cancel this Contract
at any other time and receive a pro rata refund of the
Total Contract Purchase Price based on the greater of
the days in force or the miles driven compared to the
total Contract Term, less the applicable cancellation
fee and less claims if applicable in your state. The
Term of this contract for cancellation purposes will
be based on the date of purchase of the vehicle and
the vehicle mileage on such date. ACSC is primarily
liable to provide any refund under this Contract. If
this Contract was purchased in Arizona, Georgia or North
Carolina, the refund will be issued on the above-mentioned
pro rata basis, whenever it is canceled. If this Contract
was purchased in Alabama, Nevada, Texas or Wyoming,
a ten percent penalty per month shall be added to a
refund that is not made within forty-five (45) days
of return of the Contract to ACSC; if this Contract
was purchased in New York or Washington, said penalty
shall be added to a refund not made within thirty (30)
days of return of the Contract to VSIC, RRG. If this
Contract was purchased in Colorado, the Contract Holder
may not cancel this Contract at any time. The applicable
cancellation fee shall be $50.00, except: if this Contract
was purchased in Alabama, the applicable cancellation
fee shall be $25.00 and will not be assessed if the
Contract Holder is entitled to a full refund hereunder;
if this Contract was purchased in Illinois, the applicable
cancellation fee shall be the lesser of 10% of the service
contract price or $50.00; if this Contract was purchased
in Georgia or Missouri, a cancellation fee shall not
be assessed; if this Contract was purchased in Nevada
and it is canceled within twenty (20) days after the
Contract Purchase Date, there shall be no applicable
cancellation fee; if this Contract was purchased in
North Carolina, the applicable cancellation fee shall
be 10% of the refund issued hereunder; if this Contract
was purchased in Washington, the applicable cancellation
fee shall be $25.00 if the Contract is canceled ten
(10) or more days after the Contract Purchase Date (if
the Contract is canceled before that time, there shall
be no applicable cancellation fee). Refunds issued hereunder
shall be issued less the value of any services received
by the Contract Holder (including claims paid), except:
if this Contract was purchased in Alabama or Illinois,
such subtraction of the value of any services received
by the Contract Holder shall apply only to cancellations
not fully refunded; if this Contract was purchased in
Arizona, Nevada or Wisconsin, such subtraction of any
services received by the Contract Holder shall never
apply. If this contract was purchased in Iowa, the contract
holder may cancel the contract within 30 days of the
contract purchase date and receive a refund of the purchase
price less a $50.00 cancellation fee and less the total
of claims paid, if you have any questions or problems
regarding this contract, you may contract ACSC, (the
Administrator), by mail at P.O. Box 1231, Huntsville,
AL 35805, or phone 1-800-824-7059. Iowa residents only
may contact The Iowa Securities Bureau at 1-515-281-4441,
or write to 340 Maple Street, Des Moines, Iowa 50319-0066.
CANCELLATION (IF FINANCED)
A. We may cancel this Contract for non-payment of the
Contract Charge, or for misrepresentation in the submission
of a claim. We may cancel this Contract if Your Vehicle
is found to be modified in a manner not recommended
by the manufacturer.
B. In the event that your contract is cancelled for
non-payment, no refund will be due.
C. Returned Check Charge: A returned check charge of
$30.00 will be assessed each time you pay us with a
check or pre-authorized check that is returned unpaid.
The funding party will post the returned charge to your
balance due. Unpaid late fees will be posted to your
balance due. D. Refund Policy for Pre-Authorized Check
Payments: If payment has been made by a pre-authorized
check(s), you must submit all original cancelled pre-authorized
check(s) to the funding party. For purposes of refund,
photocopies of pre-authorized check(s) are not accepted.
With receipt of your refund, your original pre-authorized
check(s) will be returned to you. E. Reinstatement:
If the Vehicle Service Contract is cancelled due to
non-payment, we reserve the option to reinstate the
Agreement. As a condition of reinstatement, any reinstatement
request must be made within thirty (30) days of cancellation
and the full amount of the Contract price must be paid
at the time of reinstatement. We will not be responsible
for any Mechanical Failure to your vehicle during the
first thirty (30) days and 1,000 miles from the effective
date of the Reinstatement Notice.
WHAT TO DO IF YOU HAVE A MECHANICAL BREAKDOWN
(1) Use all reasonable means to protect the vehicle
from further damage. This may require you to stop the
vehicle, turn off the engine, and have the vehicle towed.
(2) If the vehicle is inoperable and needs to be towed,
call Roadside Assistance toll free at 1-866-827-9805.
Have your membership contract number ready before you
call. Any payment of the costs of transporting the vehicle
for service is provided under this service contract
exclusively pursuant to the terms and conditions for
emergency road service provided by Roadside Assistance.
(3) In-home service is not provided under this service
contract.
(4) Present this service contract to the Repair Facility
and call ACSC toll free at 1-800-824-7059 to obtain
prior authorization for any repairs. No claims will
be paid without prior authorization. Prior to proceeding
with any repairs, the Repair Facility must call ACSC
with an estimate of the cost of repairs and receive
an
authorization number from ACSC.
(5) Fax or mail any maintenance receipts. ACSC can be
reached via fax at 1-256-851-6828 or through the mail
at P.O. Box 1231, Huntsville, AL 35805.
(6) Reimbursement for emergency repairs performed outside
of normal business hours can be obtained by the Contract
Holder only if he/she follows the above procedures on
the first business day after such emergency repairs
are performed.
*Rates and coverage provided on
this site are for informational purposes only and subject
to change. Please refer to the Extended
Service Contract for complete descriptions of the
coverage. We use the terms 'Warranty' and 'Extended
Warranty' interchangeably with 'Vehicle Service Contract'
and 'Extended Service Contract' for marketing purposes
only.
