Vehicle Protection Plans

Wheelhouse Classics > Vehicle Protection Plans
Coverage Spectrum

From comprehensive to essential

All plans are backed by Protective Asset Protection, serving dealerships since 1962.

1
Strongest Coverage
Pre-Owned Vehicle
Protection Plan
Up to 5 tiers · Exclusionary option · Hybrid/EV
2
Comprehensive
Vehicle
Protection Plan
4 tiers · Exclusionary down to Essential
3
Enhanced Powertrain
Powertrain Plus
Protection Plan
Engine + Electrical + A/C
4
Most Basic
Powertrain
Protection Plan
Engine & drivetrain core only
🏆
Best Overall Protection
Pre-Owned Vehicle Protection Plan
Maximum coverage across the most vehicle systems, including hybrid/EV batteries and suspension.
⚖️
Best Flexible Coverage
Vehicle Protection Plan
Choose from 4 tiers — from basic engine coverage all the way up to near-bumper-to-bumper exclusionary protection.
⚙️
Best Mid-Range Option
Powertrain Plus Plan
Adds electrical and A/C coverage on top of core powertrain. A solid choice for most daily drivers on a moderate budget.
🛡️
Most Essential Coverage
Powertrain Protection Plan
Covers your engine, transmission, and drivetrain — the most expensive repairs. The essential safety net.
Side-by-Side Comparison

What does each plan cover?

Compare covered systems across all four protection plans at a glance.

Feature Pre-Owned
Protection Plan
Best Overall
 Vehicle
Protection Plan		 Powertrain
Plus Plan		 Powertrain
Protection Plan
Powertrain
Engine Group✓✓✓✓
Turbocharger / Supercharger✓✓✓✓
Transmission / Transfer Case✓✓✓✓
Drive Axle Group (Front & Rear)✓✓✓✓
Electrical
Alternator, Starter, Wiper Motors✓✓✓—
Extended Electrical Group✓✓✓—
Enhanced Electrical (GPS, LCD Screen, Cruise)✓Reserve/Estate only——
Comfort & Convenience
Air Conditioning System✓✓✓—
Power Steering Group✓✓——
Cooling System (Radiator, Water Pump, Heater Core)✓✓——
Brake Group (Master Cylinder, ABS, Calipers)✓✓——
Front / Rear Suspension✓✓——
Hybrid / Electric Vehicle BatteryReserve level———
Roadside & Added Benefits
Towing (150-mile radius, 24/7)✓✓✓✓
Flat Tire Change✓✓✓✓
Emergency Fuel Delivery (2 gallons)✓✓✓✓
Battery Jump Service✓✓✓✓
Key Lockout (up to $100 per occurrence)✓✓✓✓
Rental Car ($30/day · $150 max per claim)✓✓✓✓
Seals & Gaskets (optional add-on)Available (<125k mi)Included or add-onAvailable (<150k mi)Available (<125k mi)
$0 / Disappearing DeductibleSee contractSee contract✓✓
⚠️ Coverage is subject to deductibles, limits and exclusions. Brake drums/pads/rotors, exhaust pipes, mufflers, catalytic converters, and body/trim items are not covered across all plans. Always review your service contract for full terms.
Plan Details

Everything you need to know

Detailed breakdowns of each plan, ordered from most comprehensive to most basic.

1
🏆 Best OverallHybrid/EV Eligible

Pre-Owned Vehicle Protection Plan

Provided by Protective Asset Protection · Form SNI-B 2/23
5 Coverage Tiers Available
Who is this best for?

Buyers who want the most flexible and complete protection available — especially those with newer pre-owned vehicles, hybrid/electric vehicles, or who simply want maximum peace of mind.

5 Plan Tiers (Best → Most Basic)
ReserveMost Comprehensive
Exclusionary coverage — protects virtually every mechanical part except those specifically listed as excluded. Includes Hybrid/Electric Vehicle Battery coverage.
Estate
Adds suspension, cooling, enhanced electrical (GPS, LCD, cruise control), and hybrid drive components.
Domain
Adds brake group (including ABS) and seals & gaskets to Vintage coverage.
Vintage
Adds full electrical, A/C, and power steering to base Powertrain coverage.
PowertrainEntry Level
Core engine, turbocharger/supercharger, transmission/transaxle, and drive axle group.
Covered Systems (Reserve / Top Tier)
  • Engine group (all internally lubricated parts)
  • Turbocharger / Supercharger
  • Transmission, transaxle & transfer case (4x4/AWD)
  • Drive axle group (front and rear)
  • Full electrical group (sensors, injectors, power accessories)
  • Enhanced electrical (GPS, LCD screen, cruise control, infrared)
  • Air conditioning system
  • Power steering group
  • Brake group (master cylinder through ABS accumulator)
  • Front/rear suspension (control arms through variable dampening)
  • Cooling system (radiator, water pump, heater core, thermostat)
  • Hybrid/Electric Vehicle battery (Reserve level)
  • Hybrid/Electric drive motor, generator, power inverter, motor controller
Optional Add-Ons
  • Seals & Gaskets surcharge (<125,000 miles at contract purchase)
  • Business Use coverage
  • Suspension/Tire/Wheel Modifications (mid-size SUVs: 4-inch lift / 35-inch tires; full-size trucks: 6-inch lift / 35-inch tires)
  • Warranty Remaining Option (coverage begins at factory warranty expiration)
🚗
TowingUp to 150-mile radius · Available 24/7
🛞
Flat Tire ChangeSpare install or transport to nearest tire shop
⛽
Emergency Fuel2 gallons delivered · You pay for the fuel
🔋
Battery JumpService provider arranged to boost or jump-start
🔑
Key LockoutUp to $100/occurrence · Replacement keys not included
🚘
Rental CarUp to $30/day · $150 max per claim
Key Limitations: Brake drums, pads & rotors; exhaust pipes, mufflers & catalytic converters; and body/trim items are not covered. Remanufactured or used parts of like kind and quality may be used in repairs.
2
⚖️ Best Flexible Coverage4 Tier Options

Vehicle Protection Plan

Provided by Protective Asset Protection · Form ES2-DB 8/23
4 Coverage Tiers Available
Who is this best for?

Buyers who want comprehensive protection with the flexibility to choose a tier. Ideal for those who want strong coverage — including brakes, suspension, and cooling — without needing hybrid/EV battery protection.

4 Plan Tiers (Best → Most Basic)
ExclusionaryMost Comprehensive
Covers any part experiencing a mechanical breakdown except those specifically listed as excluded in the service contract.
Comprehensive
Adds brake group, suspension group, cooling group, and seals & gaskets (included for vehicles under 125,000 miles).
Basic
Adds full air conditioning group and extended electrical group to Essential coverage.
EssentialEntry Level
Engine, turbocharger/supercharger, transmission, drive axle, power steering, basic electrical (alternator, starter, wipers), and seals & gaskets (with covered failure or as add-on).
Covered Systems (Exclusionary / Top Tier)
  • Engine group (all internally lubricated parts)
  • Turbocharger / Supercharger
  • Transmission, transaxle & transfer case (4x4/AWD)
  • Drive axle group (front and rear, including CV joints)
  • Power steering (steering gear box, rack and pinion, tie rod)
  • Basic electrical (alternator/generator, starter, wiper motors)
  • Full electrical group (fuel injectors, sensors, power accessories)
  • Air conditioning (compressor through heater control valve)
  • Brake group (master cylinder, ABS components, calipers)
  • Front/rear suspension (control arms through variable dampening)
  • Cooling group (radiator, water pump, heater core, fan, thermostat)
  • Seals & gaskets (included for vehicles under 125,000 miles at Comprehensive+)
Not Covered
  • Brake drums, pads, and rotors
  • Exhaust pipes, mufflers, catalytic converters
  • Body and trim items
  • Failures caused by misuse or lack of proper maintenance
🚗
TowingUp to 150-mile radius · Available 24/7
🛞
Flat Tire ChangeSpare install or transport to nearest tire shop
⛽
Emergency Fuel2 gallons delivered · You pay for the fuel
🔋
Battery JumpService provider arranged
🔑
Key LockoutUp to $100/occurrence
🚘
Rental CarUp to $30/day · $150 max per claim
Seals & Gaskets: At Essential level, covered only when replaced with a covered failure or as an optional add-on. At Comprehensive level and above, automatically included for vehicles under 125,000 miles. Minor fluid seepage is not a covered failure.
3
⚙️ Best Mid-Range Option

Powertrain Plus Vehicle Protection Plan

Provided by Protective Asset Protection · Form PTP B 8/23
Single Plan Level
Who is this best for?

Daily drivers who want more than just core powertrain coverage but don't need full bumper-to-bumper protection. The electrical and A/C additions make this a practical mid-tier choice for most used vehicle buyers.

Optional Add-Ons
  • Seals & Gaskets surcharge (vehicle must have <150,000 miles — higher limit than other plans)
  • $0 and disappearing deductible options
  • Business Use coverage
Covered Systems
  • Engine group — all internally lubricated parts, crankshaft, camshaft, pistons, timing chain/belt, oil pump, fuel pump
  • Turbocharger/Supercharger — housing and all internal parts
  • Transmission/Transaxle/Transfer Case — all internally lubricated parts, drive shaft/U joint, torque converter
  • Drive Axle (Front & Rear) — pinion bearings, ring and pinion gears, CV joints, axle bearings
  • Electrical group — alternator, starter, wiper motors, voltage regulator, solenoids, fuel injectors, crankshaft/camshaft sensors, power windows/mirrors/seats/locks
  • Air Conditioning — compressor, condenser, evaporator, A/C clutch & coil, expansion valve, receiver drier, blower motor, heater control valve
Not Covered
  • Power steering group
  • Brake group and suspension system
  • Cooling system (radiator, water pump, thermostat)
  • Brake drums, pads, rotors; exhaust pipes, mufflers, catalytic converters; body/trim
🚗
TowingUp to 150-mile radius · 24/7
🛞
Flat Tire ChangeSpare install or transport to tire shop
⛽
Emergency Fuel2 gallons delivered
🔋
Battery JumpService provider arranged
🔑
Key LockoutUp to $100/occurrence
🚘
Rental CarUp to $30/day · $150 max per claim
Seals & Gaskets Advantage: This plan allows the Seals & Gaskets add-on for vehicles up to 150,000 miles — 25,000 more than other plans. Better fit for slightly higher-mileage vehicles.
4
🛡️ Essential Protection

Powertrain Protection Plan

Provided by Protective Asset Protection · Form FI2-DB 8/23
Single Plan Level
Who is this best for?

Budget-conscious buyers who want protection against the most catastrophic and expensive repairs — engine and transmission failures — without paying for broader coverage. Also solid for shorter-term ownership or higher-mileage vehicles.

Optional Add-Ons
  • Seals & Gaskets surcharge (vehicle must have <125,000 miles at contract purchase)
  • $0 and disappearing deductible options
  • Business Use coverage
Covered Systems
  • Engine group — all internally lubricated parts, crankshaft and bearings, oil pump, fuel pump, diesel injection pump, internal timing gears/chain/belt, camshaft, valve lifters, rocker arm assemblies, pistons, rings, connecting rods, motor mounts
  • Turbocharger/Supercharger — factory installed, housing and all internal parts
  • Transmission/Transaxle/Transfer Case — all internally lubricated parts, drive shaft/U joint, torque converter, transmission mounts
  • Drive Axle Group (Front & Rear) — pinion bearings, ring and pinion gears, carrier assembly, axles, axle bearings, CV joints, internal transaxle seal
Not Covered
  • Electrical group (alternator, sensors, injectors, power accessories)
  • Air conditioning system
  • Power steering, brakes, suspension, and cooling system
  • Brake drums/pads/rotors; exhaust pipes, mufflers, catalytic converters; body/trim
🚗
TowingUp to 150-mile radius · 24/7
🛞
Flat Tire ChangeSpare install or transport to tire shop
⛽
Emergency Fuel2 gallons delivered
🔋
Battery JumpService provider arranged
🔑
Key LockoutUp to $100/occurrence
🚘
Rental CarUp to $30/day · $150 max per claim
Average Repair Cost Reference (Protective's Internal Adjusted Claims Data)
Engine Group
$8,500
Transmission / Transaxle
$5,200
Drive Axle Group
$4,200
Hybrid/EV Battery
$3,500
Enhanced Electrical
$3,200
Seals & Gaskets
$2,500
Brake Group
$2,000
Front/Rear Suspension
$1,500
Central LCD Screen
$1,300
Cooling Group
$1,200
A/C Group
$1,200
Power Steering
$1,200
Find Your Plan

Which plan is right for you?

Match your situation to the protection that makes the most sense.

Scenario 01

I want maximum peace of mind

🏆Pre-Owned Vehicle Protection Plan — Reserve Level
Exclusionary coverage means essentially everything is covered except a specific list of excluded items. If you want to stop worrying, this is your plan.
Scenario 02

I drive daily and want solid mid-range coverage

⚙️Powertrain Plus Vehicle Protection Plan
Covering your engine, transmission, drivetrain, all major electrical components, and your A/C system protects you from the most common and expensive failures a daily driver faces.
Scenario 03

I have a hybrid or electric vehicle

⚡Pre-Owned Vehicle Protection Plan — Reserve or Estate
Only this plan explicitly covers hybrid/electric drive components and the high-voltage battery. Reserve covers the battery; Estate covers the drive motor, generator, power inverter, and motor controller.
Scenario 04

I'm on a tight budget

🛡️Powertrain Protection Plan
Protecting your engine, transmission, and drivetrain safeguards you from the repairs most likely to be financially devastating. Even on a budget, this critical protection matters.
Scenario 05

I want flexible tier options

⚖️Vehicle Protection Plan — Choose Your Tier
With four distinct tiers (Essential → Basic → Comprehensive → Exclusionary), this plan gives you the most granular control over coverage and cost.
Scenario 06

My vehicle has higher mileage (over 125k)

📍Powertrain Plus Plan (Seals & Gaskets available up to 150k miles)
The Powertrain Plus plan allows the optional Seals & Gaskets add-on for vehicles up to 150,000 miles — 25,000 more than other plans.
Scenario 07

I want coverage starting when factory warranty ends

📅Pre-Owned Vehicle Protection Plan — Warranty Remaining Option
The Warranty Remaining Option lets your coverage begin precisely when your original manufacturer's warranty expires — no gap, no overlap.
Scenario 08

I use my vehicle for business or work

🔧Any plan with Business Use Surcharge
All four plans offer a Business Use surcharge option for route work, delivery, hauling, agricultural use, and similar applications — as long as the vehicle isn't part of a fleet.
Common Questions

Your questions, answered

Everything you've been wondering about vehicle protection plans — sourced directly from the plan brochures.

It depends on the plan and tier you choose. At the most basic level (Powertrain), you're covered for your engine, transmission, and drivetrain. At the highest levels (Reserve/Exclusionary), coverage extends to virtually every mechanical system except a specific excluded list. See the comparison table above for a full breakdown.

Across all plans, the following are explicitly not covered: brake drums, brake pads, and brake rotors; exhaust pipes, mufflers, and catalytic converters; and body and trim items. Failures caused by misuse or lack of proper maintenance are also excluded.Always review your specific service contract for the complete exclusions list.

The Powertrain Plus and Powertrain Protection plans explicitly offer both a $0 deductible option and a "disappearing deductible" option.⚠️ Deductible details for the Pre-Owned and Vehicle Protection plans are not specified in the brochures. Please ask us for current options — they vary by tier and contract selection. [BROCHURE DETAIL NEEDED]

Yes — all four plans include 24/7 towing (150-mile radius), flat tire change, emergency fuel delivery (2 gallons, you pay for fuel), battery jump service, key lockout service (up to $100/occurrence, replacement keys not included), and rental car reimbursement ($30/day, up to $150 per claim — requires overnight shop stay).

It depends on the plan. All plans offer seals & gaskets as an optional add-on, with mileage limits at contract purchase ranging from 125,000 to 150,000 miles (Powertrain Plus has the highest limit at 150k). At the Vehicle Protection Plan's Comprehensive tier and above, seals & gaskets are automatically included for vehicles under 125,000 miles. Minor fluid seepage is not a covered failure under any plan.

No. These plans cover breakdowns that occur after the contract begins. A "breakdown" is defined as the failure of a covered part under normal use — it does not include pre-existing conditions or damage present at the time of purchase.[BROCHURE DETAIL NEEDED — Specific waiting periods, if any, are not listed in the brochures. Please confirm at time of purchase.]

The brochures note that breakdowns caused by "lack of proper maintenance" are not covered. Staying current with manufacturer-recommended maintenance (oil changes, fluid checks, scheduled services) is important to maintaining your coverage.[BROCHURE DETAIL NEEDED — Specific documentation requirements not described. Please ask at time of purchase.]

When your vehicle breaks down, the plan arranges towing to the nearest qualified repair facility. For rental car reimbursement, the vehicle must be kept at the repair facility overnight and have a failure that would cause further damage if driven.[BROCHURE DETAIL NEEDED — Specific claim steps not detailed in brochures. Contact Protective Asset Protection at 1-800-826-3207 or speak with us at the dealership.]

The brochures reference "qualified repair facilities" but do not specify whether any licensed shop qualifies or whether an authorized facility is required.[BROCHURE DETAIL NEEDED — Please confirm with us or contact Protective at 1-800-826-3207.]

Transferability is not addressed in the brochures reviewed.[BROCHURE DETAIL NEEDED — Please ask us at the dealership about transferability options.]

Ready to get covered?

Let's find the right plan
for your vehicle.

Our team is here to walk you through every option, answer your questions honestly, and help you choose the coverage that genuinely fits your situation — no pressure, no guesswork.

📞 Call Us Today ✉️ Send a Message
✓ Backed by Protective Asset Protection since 1962
✓ 24/7 Roadside Assistance included
✓ No-pressure guidance from our team
Compare