Vehicle protection programs administered by NAHSC are written at four coverage levels, from core powertrain to full exclusionary coverage. Read the actual contract language below — before you buy, and before you ever need it.
Each level includes everything in the level before it. Every plan pays the repair facility directly on covered claims — you pay the deductible on your declarations page, nothing more for covered work.
An exclusionary coverage contract — the broadest form of protection available. Everything on the vehicle is covered unless it is explicitly listed as excluded.
Near-comprehensive mechanical coverage, including advanced technology components and all major vehicle systems — named in writing, system by system.
Expands beyond powertrain basics to include cooling, electrical systems, air conditioning, brakes, and fuel delivery — the components that keep your vehicle running comfortably day to day.
Your vehicle’s most critical mechanical systems — engine, transmission, and drivetrain — including seals, gaskets, and turbocharger components where applicable.
Each level includes everything in the level below it. Deductibles shown are from the sample contracts; your declarations page states yours.
| Coverage | Essential | Signature | Premium | Executive |
|---|---|---|---|---|
| Engine (gas or diesel) | ✓ | ✓ | ✓ | ✓ |
| Transmission | ✓ | ✓ | ✓ | ✓ |
| Transfer unit (4x4) | ✓ | ✓ | ✓ | ✓ |
| Drive axle | ✓ | ✓ | ✓ | ✓ |
| Turbo / supercharger | ✓ | ✓ | ✓ | ✓ |
| Seals & gaskets (with covered failure) | ✓ | ✓ | ✓ | ✓ |
| Cooling system | — | ✓ | ✓ | ✓ |
| Base electrical | — | ✓ | ✓ | ✓ |
| Air conditioning | — | ✓ | ✓ | ✓ |
| Brakes | — | ✓ | ✓ | ✓ |
| Fuel delivery | — | ✓ | ✓ | ✓ |
| Advanced electrical | — | — | ✓ | ✓ |
| Steering | — | — | ✓ | ✓ |
| Suspension | — | — | ✓ | ✓ |
| All other components (exclusionary) | — | — | — | ✓ |
| Summary for orientation only. The Schedule of Coverages, exclusions, and limits in the applicable contract govern — read the sample contracts below for the complete language. | ||||
Summarized from each level’s Schedule of Coverages. The sample contracts linked in each section carry the complete, governing language.
The Executive contract flips the logic of the other levels: every component of the vehicle is a covered part unless it is specifically listed as excluded. If it isn’t on the exclusions list, it’s covered. The notable exclusions fall into a few families:
Frame and body panels, sheet metal, bumpers, moldings and trim, upholstery and carpet, glass and glass assemblies, paint and cosmetic finishes.
Brake pads, drums, rotors and shoes; belts and hoses; wiper blades; spark and glow plugs; battery and cables; oil changes, tire rotations, alignments, and other routine maintenance.
Struts and shock absorbers; the exhaust system, catalytic converter, and diesel emissions components.
Lighting assemblies and bulbs, keyless entry transmitters, CB radios and aftermarket audio, winches, wheels and wheel covers.
Read the full exclusions list in the Executive sample contract (PDF) →
Everything in Essential, plus the daily-driver systems:
Radiator, water pump, and housings.
Alternator, starter and solenoid, control modules, gauges, horns, washer pumps and wiper motors, power window, seat and door-lock motors, window regulators, and the wiring harnesses for covered components.
Compressor, condenser, evaporator core, accumulator, receiver/dryer, orifice and expansion valve, blower motor, and temperature control unit.
Master cylinder, power assist booster, wheel cylinders, disc calipers, proportioning valves, self-adjusters, and actuators. (Friction parts — pads, rotors, shoes — are wear items and not covered at any level.)
Fuel injectors, fuel pumps, fuel injection pump, fuel tank, and pressure regulator.
The critical powertrain, protected:
All internally lubricated parts: timing components, valvetrain, oil pump, flywheel and ring gear, pulleys, manifolds, mounts and more. The block, heads, and covers are covered when damaged by the failure of an internally lubricated part.
All internally lubricated parts, the torque converter, mounts and internal linkage, and control modules and solenoids.
Transfer case internals (4x4); axle shafts, CV and universal joints, drive shafts, locking hubs, bearings and retainers.
All internally lubricated parts of the factory-installed turbocharger or supercharger.
Covered in conjunction with the failure of a covered component listed above.
Towing, tire changes, lockout service, and dead-battery service, every day of the year — up to $100 per occurrence, no deductible. Call (833) 600-3690.
Rental car reimbursement up to $100 per day ($300 per claim) on authorized repairs requiring 4+ labor hours — or rideshare reimbursement up to $60 per day instead.
Take your vehicle to any ASE-certified repair facility you choose. Covered repairs, including diagnostics on approved claims, are paid to the facility directly.
Cancel within 30 days of purchase with no claims filed and receive a full refund of the contract price; after that, refunds are pro-rated by time or mileage used.
Every coverage decision is made from the contract language and put in writing on request, with a formal internal review process if you disagree.
Verify coverage on the first call, authorize before repair, settle directly with the shop. See how a claim works.
The whole document, not a summary — declarations, definitions, schedule of coverages, exclusions, benefits, and cancellation terms.
Questions about a plan or an existing contract?National Auto & Home Service Co.
Member Services: (888) 837-1646