Xtended Auto Procedure Manuals

AUTO ADMINISTRATION – PROCEDURE MANUAL

ISSUING VEHICLE PROTECTION PLANS

Upon completion of the sale of a Plan, your customer and Dealer Representative must sign the registration page. A copy of the signed contract must be retained by the Dealer. The customer should then be provided with a copy of the registration page and all corresponding ages of the Plan. The final page of the Plan is the Customer Welcome Letter and Customer Care Card.

REPORTING VEHICLE PROTECTION PLANS

Since the program uses ‘live’ Plans it is important that all Plan sales be reported at least once a month. The instructions that follow should be made available to all personnel involved with processing Plan sales.

REPORTING PLANS

The Plans generated with the online system will be submitted to the Administrator automatically once SUBMIT is selected online by the Dealer.

Please note that “Saved” contracts are classified as “Unsubmitted” and do not become valid until they are put into “Submitted” status.

VOIDING PLANS

If a Plan is “Submitted” online and not purchased by the customer, the Dealer must notify the Administrator to have the Plan voided.

REMITTANCES AND STATEMENTS

Remittances are to be forwarded to;

Cornerstone United, Ltd.
931 Commissioners Road E., Suite 201
London, ON N5Z 3H9

Monday through Friday 8:00am-:8:00pm ET
Saturday 9:00am-1:00pm ET

Administrator: 1-866-451-1327

PROTECTION PLAN SALES

Remitting online: Plan must be entered and submitted online at www.xtracarecdn.com. Paper copies of the Plans do not need to be sent with monthly remittance if they have been submitted online.

The Plan is not in force until paid in full. No claim payments will be issued on behalf of any Plan unless the Plan has been paid in full.

REMITTANCE FORMS

Remittance forms should be generated from the online system and included with payment. Please see below for step-by-step instructions on how to submit an online remittance.

1. Go to “PAYMENTS” and select “MAKE PAYMENTS” from the drop-down menu

FOR PAYMENT BY CHEQUE:

1. Select a Payment Type as “CHEQUE” and select the contracts to be included in the remittance by ticking the boxes on the left-hand side.

2. Click “SUBMIT”. You will be asked to confirm payment. If the remittance is correct select “SUBMIT”.

3. Print the Payment Confirmation Page and send along with a cheque for the payment amount to the address on the Payment Confirmation Page.

NOTE-The payment amount indicated on the payment confirmation page INCLUDES taxes.

FOR PAYMENT BY CREDIT CARD

1. Select Payment Type as “CREDIT CARD” and select the contracts to be included in the remittance by ticking the boxes on the left-hand side.

2. Click “SUBMIT”. You will be asked to confirm payment and review the added convenience fee. NOTE- The convenience fee does not apply to any payment submitted by cheque.

3. Select “PAY NOW” and follow the on-screen instructions.

FOR PAYMENT BY ELECTRONIC PAYMENT

1. Select Payment Type as “ELECTRONIC PAYMENT” and select the contracts to be included in the remittance by ticking the boxes on the left-hand side.

2. Click “SUBMIT”. You will then receive the payment review pop up. Be sure to review the check box to confirm if you would like this payment information to be stored safely on the external site. If you allow for this information to be stored then you will not need to enter it again for any future remittances. If you decline this option, you will need to manually enter this information each time you would like to complete a payment by Electronic Payment.

4. Select “PAY NOW” and follow the on-screen instructions.

Please Note -you will be directed to an external payment site to complete your transaction. Enter your 8-digit MICR code, the transit number and institution number. For example, a transit number of AAAAA and institution number of BBB, enter AAAAABBB in the routing number field.

STATEMENTS

Statements will only be sent once your account reaches 60 days post contract sale. It is the responsibility of the Dealer to review the portal monthly and;

Advise the Administrator if any Plans should be voided from the system
Remit for all outstanding SUBMITTED Plans

Any Plans that have been paid and appears on the statement should be brought to our attention. Statement balance is due upon receipt. If Plan is not paid in full within 60 days of sale, the Plan will be voided, and cancellation notice will be sent to the customer.

Please Note- statements will not be issued for Dealers that do not have an outstanding balance.

IMPORTANT NOTE: Any Plan that is returned for correction must be corrected and submitted within 15 days. We reserve the right to refuse any Plan resubmitted after this time. It is your responsibility to notify the Purchaser of any changes/corrections to their Plan, or if the Plan is rewritten, to give the Purchaser a copy of the new Plan. We also reserve the right to confirm changes to the Plan holder in writing.

CANCELLATIONS/ ADJUSTMENTS

Cancellations and adjustments should be submitted separate from new business. DO NOT DEDUCT CANCELLATIONS OR ADJUSTMENTS from your remittance for new business.

DEALER MARK-UP

The Dealer is responsible for reporting their Dealer mark-up and any applicable taxes.

TRANSFERS

The Plan may be transferred as long as the vehicle title transfer passes from Plan Holder to a subsequent owner or private party and only if all of the following conditions are met:

Coverage, time and kilometers remain on the Plan
Transfer is made within 30 days of the change in vehicle ownership
A completed transfer form is submitted

The balance of any remaining manufacturer warranty must be transferred at the time of sale. All transfers require a $50 Transfer Fee, plus applicable taxes, payable to Administrator. The fee can be paid by the original owner or the new owner of the vehicle. Please refer to the Plan for specific details (Proof of maintenance may be required).

Repairs completed before transfer fee is received by Administrator will not be covered. Plan cannot be transferred from the owner to Dealers or Rental Agencies (or like kind).

Transfer requests may be submitted by email, fax or mail. To pay the transfer fee by credit card, please provide the Plan holders daytime contact information with the Transfer request so the Administrator may complete a secure credit card transaction. Transfer fees may be paid by cheque with mail-in requests only. NOTE: Limited Warranty and any GPR are NOT transferrable

PLAN CANCELLATIONS FOR CANCELLABLE CONTRACTS

PLAN HOLDER CANCELLATION

The Plan may be cancelled at any time by the customer by returning to the selling Dealer and completing a Cancellation Request Form. If the Plan is cancelled within the first 30 days, the Dealer will be sent a refund of the cost paid for the Plan, less a cancellation fee of fifty dollars ($50), plus applicable taxes.

If the Plan is cancelled (for one of the approved reasons above) more than 30 days from the purchase date, the Administrator will issue the dealership a prorated refund for the cost of the contract. This will reflect the greater of the days in force or the mileage elapsed based on the term of the contract, less a cancellation fee of fifty dollars ($50), plus applicable taxes. Elapsed time and mileage shall be measured from the contract purchase date and the odometer reading on the vehicle on the contract purchase date.

LEINHOLDER CANCELLATION

If the vehicle and the Plan have been financed, the Lienholder shown on the Vehicle Service Contract/ Vehicle Mechanical Breakdown Insurance Policy may cancel the Plan if the vehicle is declared a total loss or is repossessed, the Administrator will issue the dealership a prorated refund for the cost of the contract. This will reflect the greater of the days in force or the mileage elapsed based on the term of the contract, less a cancellation fee of fifty dollars ($50), plus applicable taxes. Elapsed time and mileage shall be measured from the contract purchase date and the odometer reading on the vehicle on the contract purchase date. The Dealer is responsible for the prorated portion of the refund containing the Dealer profit. The Dealer is required to pay the Lienholder the entire prorated portion of the Plan price. The Administrator will reimburse the Dealer for the prorated Net Dealer Cost due.

ADMINISTRATIVE CANCELLATION

The Administrator may cancel the Plan at any time for:

non-payment of the purchase price
a material misrepresentation or fraud made by the Plan Holder
a substantial breach of duties by the Plan Holder under the Plan relating to the unit or its use
misrepresentation in the submission of a claim
A vehicle not eligible for the Coverage selected
if for any reason the original manufacturer’s warranty is modified, voided, or does not transfer to a new owner, beginning thirty-one (31) days following the purchase date of the vehicle

If the Plan is cancelled by the Administrator, then they will issue the dealership a prorated refund for the cost of the contract. This will reflect the greater of the days in force or the mileage elapsed based on the term of the contract, less a cancellation fee of fifty dollars ($50), plus applicable taxes. Elapsed time and mileage shall be measured from the contract purchase date and the odometer reading on the vehicle on the contract purchase date. The Administrator will reimburse the Dealer for the prorated Net Dealer Cost due.

PLAN CANCELLATIONS FOR NON-CANCELLABLE CONTRACTS

The Xtended Auto Xpanded Series, Xtra Series and Limited Warranty programs are NON–Cancellable programs (Except in the province of Alberta). The only way in which these contracts will be cancelled is if the following occurs:

cancelled within the first 30 days
If the unit is stolen*
If the unit is deemed a total loss*
If the unit is repossessed
If the contract is cancelled by either the Administrator or Lienholder

*Valid documentation is required

In the event of cancellation, the Administrator will provide a cancellation letter detailing the cancellation refund amount payable to the Customer/ Lienholder. The Dealer is responsible for the prorated portion of the refund containing the Dealer profit. The Dealer is required to pay the customer or Lienholder the entire prorated portion of the Plan price. The Administrator will reimburse the Dealer for the prorated Net Dealer Cost due.

PLAN HOLDER CANCELLATION

The Plan may be cancelled at any time by the Contract Holder within 30 days of the contract purchase date by returning to the selling Dealer and completing a Cancellation Request. If the Plan is cancelled within the first 30 days, the Dealer will be sent a refund of the cost paid for the Plan, less a cancellation fee of fifty dollars ($50), plus applicable taxes.

If the plan is cancelled (for one of the approved reasons above) more than 30 days from the purchase date, the Administrator will refund and send to the selling dealer the cost paid for this policy, less a cancellation fee of fifty dollars ($50), plus applicable taxes. The Administrator will reimburse the Dealer for the prorated Net Dealer Cost due.

LEINHOLDER CANCELLATION

ADMINISTRATIVE CANCELLATION

The Administrator may cancel the Plan at any time for:

non-payment of the purchase price
a material misrepresentation or fraud made by the Plan Holder
a substantial breach of duties by the Plan Holder under the Plan relating to the unit or its use
misrepresentation in the submission of a claim
A vehicle not eligible for the Coverage selected
if for any reason the original manufacturer’s warranty is modified, voided, or does not transfer to a new owner, beginning thirty-one (31) days following the purchase date of the vehicle

PAYMENT

All refunds will be made directly to the selling Dealer.

CALCULATION OF CANCELLATION REFUNDS

The following information is required to obtain a cancellation quote.

Plan number
Plan holder’s name
Date of cancellation
Kilometers at the time of cancellation
Reason for cancellation
Customer signature

DO NOT DEDUCT CANCELLATIONS FROM REMITTANCES.

LOYALTY TRANSFER CREDIT

The Loyalty Transfer Credit applies only to NON-CANCELLABLE Plans.

The Loyalty Transfer Credit is a credit applied to the purchase of a new Plan when the customer returns to the selling Dealer to trade in a vehicle with a NON-CANCELLABLE Plan. The customer must purchase the new Plan at the time of trade from the original selling dealer.

The Dealer must contact the Administrator (1-866-481-1327) for the Loyalty Transfer Credit amount. To have the credit applied to a new Plan, the Dealer must submit:

A copy of the original Plan
A copy of the new Plan
A copy of the Loyalty Transfer Credit quote issued by the Administrator
A cancellation from signed by the plan holder for the original Plan

The credit will be applied to the cost of the new Plan. If there is a difference in the cost, the difference must be remitted to the Administrator. If the new Plan cost is less than the credit, no refund will be issued.

MECHANICAL BREAKDOWN CLAIMS

ALL CLAIMS MUST BE SUBMITTED FOR PREAUTHORIZATION PRIOR TO THE COMMENCEMENT OF ANY REPAIR OF THE VEHICLE.

The maximum that will be paid for any claim will be the amount approved by us. In the event, payment has not been received for the Plan, the Plan will be adjudicated to the terms of the contract as entered in the system. PLEASE NOTE– Payment to the repair facility will not be made until the contract is paid in full. In the event of a breakdown, Plan Holders should return to their selling Dealer. If this is not possible, take the vehicle to any licensed repair facility.

If a breakdown occurs outside of the Claims Department hours, the repair facility may proceed with the repairs without prior authorization. However, the Plan Holder or repair facility MUST call Claims during the next business day. Failure to call in and report the claim on the next business day may result in non-payment. Unapproved mail-in claims may be denied.

COVERAGE VERIFICATION

At the time a Plan Holder comes to your Dealership to report a mechanical problem that may be covered under the terms of the Plan, follow these procedures;

Secure a copy of the Plan and note the Plan number, or the Plan Holder’s complete name and address, VIN number and the name of the selling Dealer
Verify time and kilometer limits to ensure that the Plan is still in force, and that the vehicle in for repairs is the one covered by the Plan. If the customer does not have access to this information from their contract, please call customer service at 1-866-481-1327
If requested by the Administrator, confirm that the required maintenance has been performed by reviewing the maintenance records or receipts provided by the Plan Holder
Advise the Plan Holder that your collection of the above data and evaluation of the cause of the mechanical failure does not necessarily mean the claim will be paid/covered by the Plan. Such determinations are made by our qualified, trained claims adjusters

CLAIMS & REPORTING

Upon verifying that the Plan is in effect and the failed component is covered:

Assess the complaint, cause, cure including the cost to repair, and all applicable part numbers
Call us to initiate a new claim at 1-866-481-1327 Monday-Friday 8am-8pm ET and Saturday 9am-1pm ET. Claims may also be initiated and completed online (See Online Claims section below)
Report the Plan Number, complete Name and Address of the Plan Holder, and name of the selling Dealer, PLUS the complaint, cause, cure and cost of the repair

The authorization amount is the maximum we will pay on the claim when submitted; any changes in repair amounts must receive additional authorization. If the authorized amount should exceed the actual repair cost, the lesser of the two will be paid.

Our claims adjuster will verify coverage and either;

Authorize the claim, issuing an Authorization Number (which must be entered on all copies of the Repair Order)
Request further evaluation, tear-down or outside inspection
Decline coverage and provide reason for denial

VEHICLE INSPECTION

We reserve the right to inspect any vehicle at the time of repair. Should we request an outside inspection;

Immediately stop repairs being performed. Should further teardown be necessary, discuss with our adjuster, and obtain authorization from the Plan Holder to perform enough teardown to verify failed parts.
Save all components/parts that need to be reviewed, including fluids and filters. If items are to be machined, they must be available for inspection prior to sending to machine shop.

We will make arrangements for the inspection. If the Inspector does not visit with 48 hours, call 866-481-1327. Upon completion of the inspection, our claims adjuster will issue a final disposition.

SUBMITTING AN ONLINE CLAIM

1. Go to “CLAIMS” and select “START CLAIM” from the drop-down menu.

2. Enter the XTENDED AUTO Plan number or VIN to retrieve the vehicle and Plan information.

3. Enter the required information.

3. Next under payment, click the “ + ADD PROFILE” and select your preferred method of payment, Credit Card, Cheque or Electronic Payment.

4. Next complete the “JOBS” information. Each “JOB” is a separate unrelated repair that was completed at the same time as the repair work.

NOTE- Each submitted Job will have a separate authorization status. Once the Jobs have been reviewed, you will receive an email which will outline the status of all the Jobs submitted.

5. Review the submitted payment information, and ensure all taxability and taxes are correct. NOTE- The deductible will be pre-selected based on what the plan holder has purchased:

6. You then can attach any required documents such as: Repair Orders, Maintenance Records, Photos, Rental Invoices or Towing Bills.

7. Review the summary information and click “SUBMIT CLAIM”. When your claim has been submitted, the following message will appear:

8. Once the claim has been reviewed you will receive an e-mail informing you of the outcome. You may also go to “CLAIMS” and select “MY CLAIMS” to review the status.

Authorized – Initial claim has been reviewed preauthorization given. Repair work can begin
Closed – Claim closed, no longer under review
Deleted – Claim has been voided
Denied – Claim has been denied
Open – Claim currently under review
Paid – Claim has payment issued
Pending Contract Funding – Claim processing on hold waiting for contract payment to be received
Processing Payment Request – Final claim payment in process
Unsubmitted – Claim saved by dealer for completion at a later date.

9. You must wait until the claim is Authorized BEFORE starting any repair. When Authorization is complete you will have the ability to “Request payment”.

NOTE- Clicking on the icon to the right-hand side of the claim will only open a locked view of the claim document, no changes can be made accept attaching any required Work Order documents.

10. Once your claim is Authorized and all required documents have been attached you can then click “REQUEST PAYMENT” and once processed, payment will be issued.

SUBMITTING FOLLOW-UP CLAIM INFORMATION

For claims given an Authorization Number, with repair cost agreed upon;

Write the Authorization Number, Plan Number and authorized amount on the Repair Order signed by the Plan Holder.
Attach copies of all applicable invoices to the Repair Order, include receipts for Sublet, Car Rentals and/or Towing.
Send copy of any maintenance receipts, if requested.
Collect the applicable deductible plus any applicable taxes, per repair visit, shown on the registration page from the Plan Holder, as well as any outstanding repair amounts not approved by the Administrator.

If not previously submitted online, then submit all the above documents within 45 days of completion of service.

By email: leisure@cornerstoneunited.com

By fax: 866-481-1327

CLAIM PAYMENT

Upon receipt of the repair order, sublet invoices (if any) and any other required documentation, claim payment will be made as follows;

Will be issued as a cheque mailed directly to the servicer. If credit card payment is required, please contact the Administrator directly.
Your approved full labour rate as per your Dealer Agreement, based on industry and manufacturer standard labour codes and times, and MSRP for parts will be paid. Please provide a comprehensive description of all work performed.
Sublet work may be reimbursed at actual cost plus 10%. A copy of the sublet invoice is required to be submitted with claim.

XTENSIVE SERIES

GENERAL ELIGIBILITY

To qualify for the Xtensive Series, a vehicle must meet all the following eligibility requirements:

Personal, Business or Commercial Use vehicle only.
- Business Use vehicles are privately, or company owned vehicles that are used by a primary driver for the purpose of, but not limited to, non-delivery route/ sales work, and light duty route work. Examples of Business Use are vehicles used for pizza and floral delivery, realtors and sales reps.
- Commercial Use vehicles include but are not limited to, fleet and multiple driver vehicles, vehicles used for livery, service and repair work, trade work, mobile business, route delivery and vehicles used to pull commercial trailers. Examples of Commercial Use vehicles are vehicles used for taxis, shuttles, lawn care, home inspectors, mail/parcel delivery, dog washing, appliance delivery and/or contractors/trades

Electric/Hybrid vehicles are eligible when surcharge is purchased
All covered components must be functioning and in proper working order at the time of Plan sale. PRE-EXISTING CONDITIONS ARE NOT COVERED. Dealer must repair any pre-existing condition prior to issuing the Plan
Vehicles must be current model year +20 years or less with 320,000 kilometres or less on the odometer
Vehicles that are lifted to a maximum of 12 inches and/or have a tire size to a maximum of 40 inches in diameter
Vehicles with the following modifications are accepted: performance/cold air intake modifications, enlarged throttle body/spacers, headers/exhaust modifications, performance chips/tuners, high flow cat-back exhaust, high flow catalytic converter, aftermarket mufflers/pipes, aftermarket electronic ignition systems and aftermarket forced induction systems (turbo/supercharger) NOTE: Coverage is not provided for the actual modification unless those components are already covered under the terms and conditions of the contract.

GENERAL INELIGIBILITY

Vehicles with more than 320,000 kilometers on the odometer at the time of purchase, and more than 20 model years from the current model year
All trucks and vans 650/ 6500 and larger
Any vehicle not using publicly maintained roads
If the vehicle’s odometer has stopped, been changed or altered and the true mileage is unknown, or odometer is only measured in miles
Any vehicle used for emergency purposes or used for competitive driving, racing or contest of speed or is principally for off-road use
Vehicles that are lowered more than 4 inches
Any vehicles that house modifications that deem the vehicle illegal for on-road use
Any limited production, exotic purpose or high-performance vehicle (Please view our Xotic program to determine if vehicle has coverage options)
Any vehicle with original equipment manufacturer (OEM) omissions controls that have been removed/or have been replaced with components that are not compliant with environmental protection agency (EPA) regulations
Vehicles with odometer rollback
Water damage or flood damage “branded” titles
Grey market vehicles

COVERAGE TYPES AND ELIGIBILITY

Ultimate Wrap Coverage Eligibility

Vehicles current model year +4 model years or newer
Vehicles must have 80,000 kilometres or less on the odometer

New Coverage Eligibility

Vehicles current model year +2 years or newer
Vehicles must have 20,000 kilometres or less on the odometer
Maximum term available 108 month/250,000 km

New with Extended Eligibility

Allows the sale of “NEW” coverage terms for vehicles that meet the following eligibility criteria:

Vehicles current model year +4 years or newer
Vehicles must have 80,000 kilometres or less on the odometer
Maximum term available is 96 months/250,000 kilometres
Maximum term is dependent on model year and current odometer

Used Coverage Eligibility

Available for purchase at TIME OF SALE ONLY (unless Post Sale option has been purchased)
Vehicles current model year +20 years or newer
Vehicles with less than 320,000 kilometres on the odometer
Maximum term is 60 months/200,000 kilometres
Maximum term is dependent on model year and current odometer

OPTIONAL PACKAGES AND SURCHARGES

MANDATORY SURCHARGES

Electric /Hybrid:

Coverage for electric/hybrid vehicles is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Snowplow Usage:

Blade length not to exceed 8 feet
The plow itself, its assembly, and plow controller are excluded from coverage
Surcharge must be purchased and marked on the registration page of contract

Post-Sale Coverage:

Allows for the purchase of a USED Plan after the vehicle purchase date
Same eligibility as “Used Coverage”
Surcharge must be purchased and marked on the registration page of contract
Post-Sale Inspection required on vehicles older than current model year +6 years
January 1^st of each year constitutes a model year change
All parts must be in proper working order, PRE-EXISTING CONDITIONS ARE NOT COVERED
Claims waiting period of 30 days and 1000 kilometres, whichever occurs first, applicable on ALL Post Sale Plans

Branded Title:

Coverage for vehicles that have been issued a branded title indicating that the vehicle has sustained significant damage and been declared a total loss by an insurance company prior to restorative repairs
Vehicles with branded titles that have indicated the vehicles odometer has been rolled back or altered and/or has suffered water damage/flood damage are NOT eligible for coverage
All restorative repairs MUST be completed prior to contract being issued
Surcharge must be purchased and marked on the registration page of contract

OPTIONAL COVERAGES:

Consequential Damage Option:

In the event a failure occurs to a non-covered part due to the failure of a covered part, the non-covered part will be repaired
In the event a failure occurs to a covered part due to the failure of a non-covered part, the covered part will be repaired

Luxury Electronics Package (Included in Ultimate XT coverage):

GPS navigation system or other navigational / motorist assistance system; Bluetooth control unit, steering wheel switches, microphone; DVD player; front and rear monitor(s); internet access system; Heads-Up Display (HUD) projector, display module, and control unit; audio system amplifier and graphic equalizer; front, rear, and side view camera(s) and display monitor; driver assist sensors including parking / back-up, lane assist, collision avoidance sensors; suspension sensors; seat heater element(s)
All parts must be factory or dealer installed with factory approved parts ONLY
The following parts are specifically EXCLUDED: antennae, cables and wiring and remote controls assemblies

Mobility Equipment Package:

Coverage is provided for a mechanical breakdown of mobility equipment
Coverage is limited to: Chair lift motors and assemblies; electric/hydraulic ramp controls and assemblies; adjustable seating mechanisms; adjustable pedal and steering control mechanisms; host and swing arm mechanisms; kneel systems; door opening and closing systems that are part of the original mobility conversion
All parts must have been installed in the vehicle by a factory authorized licensed mobility equipment company

Rental Expense Upgrade:

Increase the Rental Expense reimbursement to $100 for every 8 hours, or portion thereof, of applicable labour time. Maximum of $600 per occurrence

Factory Plus:

Allows for the months and kilometres of the term coverage to be added to the original factory warranty term of the vehicle starting from the original in-service date of the vehicle and zero kilometres
If XT-1 coverage is purchased the months and kilometres of term coverage are added to the original factory powertrain warranty term
If any other coverage is purchased, the months and kilometres of term coverage are added to the original full factory warranty term

PLAN START DATES

New and New Extended:

Term starts on the Plan purchase date or vehicle delivery date, whichever is later and zero kilometres.

Used:

Term starts on the Plan purchase date or delivery date, whichever is later and the current kilometres on the odometer at the Plan time of sale.

Post-Sale:

Term starts on the Plan purchase date and current kilometres on the odometer at the Plan time of sale.

Ultimate XT Wrap:

Term starts on the Plan purchase date or vehicle delivery date, whichever is later and zero kilometres.

Ultimate XT Wrap Plus:

Term starts on the plan purchase date or vehicle delivery date, whichever is later and zero kilometres. Once the vehicles manufacturer’s extended powertrain warranty has expired, then coverage for all XT-1 components will begin.

LIMIT OF LIABILITY AND LIABILITY START DATE

New:

Coverage begins from the Plan date of sale or vehicle delivery date, whichever is later and zero kilometres. Manufacturer warranty supersedes all Xtensive Series coverage

Used:

Coverage begins the Plan date of sale or vehicle delivery date, whichever is later, and the kilometres on the odometer at the time of sale

Post-Sale:

Claims waiting period of 30 days and 1000 kilometer, whichever occurs first, applicable on all post sale Plans. Additional Benefits begin on the Plan date of sale and kilometres on the odometer at the Plan time of sale.

Ultimate XT Wrap:

Coverage begins the Plan date of sale or vehicle delivery date, whichever is later, and the kilometres on the odometer at the time of sale.

Ultimate XT Wrap Plus:

Coverage begins the Plan date of sale or vehicle delivery date, whichever is later, and the kilometres on the odometer at the time of sale for all components except XT-1. Coverage begins after the manufacturer’s powertrain warranty expires for all XT-1 components.

LIMITS OF LIABILITY FOR ALL PLANS

For each claim/ repair visit the liability will in no event exceed the actual cash value of the vehicle immediately prior to the failure. The aggregate of all coverages and benefits payable under the Plan will not exceed the price the Plan holder has paid for the vehicle. If parts are not available and the vehicle cannot be repaired, a prorated portion of the Plan charge will be returned to the Plan holder.

LEVELS OF COVERAGE

XT-1, XT-2, XT-3:

Component coverage. ONLY components that are listed in the Plan under XT-1, XT-2 and XT-3 are covered. Please see contract for full list of covered components.

Ultimate XT:

Exclusionary coverage. ALL components are covered EXCEPT components listed under Exclusions in the customer Plan. Please see contract for full list of Exclusions.

Ultimate XT Wrap Coverage:

Includes all components and assemblies covered under the Ultimate XT coverage except for the components and assemblies listed under the XT-1 coverage and the components listed under Exclusions in the customer contract.

Ultimate XT Wrap Plus:

Includes all components and assemblies covered under the Ultimate XT coverage except for the components and assemblies listed under the XT-1 coverage during the term of the vehicle manufacturer’s extended powertrain warranty and the components listed under Exclusions in the customer contract.

DEDUCTIBLES

Each Plan, regardless of term, contains a deductible. There are several deductible options available ($0, $50, $100, $200 as well as $100 and $200 disappearing deductibles). The deductible noted on the registration page will be applied on a per visit basis.

If the Plan holder purchases the $100 disappearing or $200 disappearing deductible and returns to the selling Dealer for repairs, the deductible stated on the registration page will be reduced to $0 per visit for a covered mechanical breakdown. Deductible is subject to applicable taxes.

ADDITIONAL PLAN BENEFITS

The following benefits are included with all Xtensive Series Plans and are not subject to deductibles.

Rental Expense:

In the event of a covered repair, reimbursement will be provided to the Plan holder at the maximum rate of $75 for every eight hours, or portion thereof, of applicable labour time required to complete the covered repair. Up to a maximum $375 per occurrence.

Additional Rental Expense:

Rental benefits will be increased up to five additional days ($75 per day maximum) in cases of covered major component (Engine/ Transmission/Drive Axle) failure and/or parts delay for any covered repair or Administrator requested inspection. No rental expense reimbursement will be provided if the repair is not covered by this Plan.

Emergency Roadside Assistance:

Emergency Roadside Assistance is available 24 hours a day, 365 days a year throughout Canada and the US. Coverage begins on the start date noted on the contract and only applies to the covered vehicle listed within the contract. Please note this is NOT a Roadside Assistance Reimbursement service and any service secured independently of this program, without prior approval, will not be covered.

In the event roadside assistance is needed, please call 1-888-970-0179.

Road service benefits; $100 maximum per occurrence

Towing assistance
Flat tire assistance
Lock out assistance
Fuel/oil/fluid/water delivery service
Battery assistance

Trip Interruption Expenses:

The Plan holder will be reimbursed up to $200 per day for a maximum of three days for incurred meals and lodging (restaurants and hotel/motel only) expenses if:

The plan holder cannot utilize the vehicle due to a covered repair
The plan holder is more than 100 km from their home address shown on the registration page of their contract
The plan holder occurs meal and lodging expenses as a direct result of a covered repair causing delays enroute.

XTRA SERIES

GENERAL ELIGIBILITY

To qualify for the Xtra Series, a vehicle must meet all the following eligibility requirements:

Personal, Business or Commercial Use vehicle only.
- Business Use vehicles are privately, or company owned vehicles that are used by a primary driver for the purpose of, but not limited to, non-delivery route/ sales work, and light duty route work. Examples of Business Use are vehicles used for pizza and floral delivery, realtors and sales reps.
- Commercial Use vehicles include but are not limited to, fleet and multiple driver vehicles, vehicles used for livery, service and repair work, trade work, mobile business, route delivery and vehicles used to pull commercial trailers. Examples of Commercial Use vehicles are vehicles used for taxis, shuttles, lawn care, home inspectors, mail/parcel delivery, dog washing, appliance delivery and/or contractors/trades

Electric/Hybrid vehicles are eligible when surcharge is purchased
All covered components must be functioning and in proper working order at time of Plan sale. PRE-EXISTING CONDITIONS ARE NOT COVERED. Dealer must repair any pre-existing condition prior to issuing the Plan
Vehicle must be current model year +20 years or less and have less than 320,000 kilometres on the odometer
Vehicles that are lifted to a maximum of 12 inches and/or have a tire size to a maximum of 40 inches in diameter
Vehicles with the following modifications are accepted: performance/cold air intake modifications, enlarged throttle body/spacers, headers/exhaust modifications, performance chips/tuners, high flow cat-back exhaust, high flow catalytic converter, aftermarket mufflers/pipes, aftermarket electronic ignition systems and aftermarket forced induction systems (turbo/supercharger) NOTE: Coverage is not provided for the actual modification unless those components are already covered under the terms and conditions of the contract

GENERAL INELIGIBILITY

Vehicles with more than 320,000 kilometers on the odometer at the time of purchase, and more than 20 model years from the current model year
All trucks and vans 650/ 6500 and larger
Any vehicle not using publicly maintained roads
If the vehicle’s odometer has stopped, been changed or altered and the true mileage is unknown, or odometer is only measured in miles
Any vehicle used for emergency purposes or used for competitive driving, racing or contest of speed or is principally for off-road use
Vehicles that are lowered more than 4 inches
Any vehicles that house modifications that deem the vehicle illegal for on-road use
Any limited production, exotic purpose or high-performance vehicle (Please view our Xotic program to determine if vehicle has coverage options)
Any vehicle with original equipment manufacturer (OEM) omissions controls that have been removed/or have been replaced with components that are not compliant with environmental protection agency (EPA) regulations
Vehicles with odometer rollback
Water damage or flood damage “branded” titles
Grey market vehicles

COVERAGE TYPES AND ELIGIBILITY

Used Coverage Eligibility:

Vehicles current model year +20 years or newer
Vehicles must have 320,000 kilometres or less on the odometer
Maximum term is 60 months/160,000 kilometres

OPTIONAL PACKAGES AND SURCHARGES

MANDATORY SURCHARGES

Four Wheel Drive/ All Wheel Drive:

Coverage for vehicles with Four Wheel/ All Wheel Drive is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Diesel Engine:

Coverage for vehicles with a Diesel Engine is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Turbo/Supercharger:

Coverage for vehicles with a Turbo/Supercharger is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Electric/Hybrid:

Coverage for electric/hybrid vehicles is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Branded Title:

Coverage for vehicles that have been issued a branded title indicating that the vehicle has sustained significant damage and been declared a total loss by an insurance company prior to restorative repairs
Vehicles with branded titles that have indicated the vehicles odometer has been rolled back or altered and/or has suffered water damage/flood damage are NOT eligible for coverage
All restorative repairs MUST be completed prior to contract being issued
Surcharge must be purchased and marked on the registration page of contract

OPTIONAL COVERAGES

Air Conditioner Coverage:

Coverage is provided for the air conditioner compressor including pistons, rods, bearings, valves and shafts; clutch; coil and pulley; orifice tube; condenser; evaporator; manual switches for the air conditioning system of the covered vehicle

Brake Coverage:

Coverage is provided for the master cylinder; power assist booster and valve; wheel cylinders; calipers; combination valve; steel lines and fittings; backing plates; vacuum assist booster pump; springs, clips and retainers; self-adjusters; rear activators; parking brake linkage and cables; anti-lock brakes (ABS) electronic control unit; anti-lock computer module; wheel speed sensors / exciters; proportioning valves; high pressure hydraulic pump; electro-hydraulic proportioning control valves; accumulator of the covered vehicle

Cooling Coverage:

Coverage is provided for the radiator; fan clutch and fan; engine cooling fan motors; thermostat; heater core of the covered vehicle

Day 1 Coverage:

If Day 1 Coverage option is purchased, the claims waiting period is eliminated

Electrical Coverage:

Coverage is provided for the alternator; voltage regulator; starter motor, drive and solenoid; power window motors, regulators and drives; front wiper motor including circuit board, relay and delay switch; manually operated switches for power windows, power seat(s), turn signal switch, headlamps, wipers (front and rear), emergency warning flashers; horn button; power door lock actuators; trunk actuator and motor; front, rear and side view cameras and display monitor; sensors, initiators, and control module for TPMS, Electronic Spark Control (ESC) module, Electronic Engine Control (EEC) module, Engine Control Module (ECM); oxygen sensor; electronic module retard vacuum switch; electronic ignition module; igniter; body control module; distributor, fuel gauge sending unit; heated back glass elements (glass is not covered); rear wiper motor; heater blower motor; horn; cruise control servo, module and transducer of the covered vehicle

Enhanced Limits of Liability:

If the Enhanced Limits of Liability option is selected the aggregate claims limit that will be paid is:

Five thousand dollars ($5,000) for an Engine and/or Hybrid/Electric drive repair
One thousand five hundred dollars ($1,500) for a Turbo / Supercharger repair
Three thousand five hundred dollars ($3,500) for a Transmission repair
Two thousand five hundred dollars ($2,500) for a Transfer Unit (4X4) repair
Two thousand five hundred dollars ($2,500) for a for Drive Axle repair

If X-2 Coverage or the Cooling Coverage option is purchased:

One thousand five hundred dollars ($1,500) for a Cooling repair

If X-2 Coverage or the Fuel Delivery Coverage option is purchased

One thousand five hundred dollars ($1,500) for a Fuel Delivery repair

If X-3 Coverage or the Steering Coverage option is purchased:

Two thousand five hundred dollars ($2,500) for a Steering repair

If X-3 Coverage or the Suspension Coverage option is purchased:

Two thousand five hundred dollars ($2,500) for a Suspension repair

If X-4 Coverage or Drive Axle Coverage is purchased:

Two thousand five hundred dollars ($2,500) for a Drive Axle repair

If X-4 Coverage or the Air Conditioner Coverage option is purchased:

One thousand five hundred dollars ($1,500) for an Air Conditioner repair

If X-4 Coverage or the Electrical Coverage option is purchased:

Two thousand five hundred dollars ($2,500) for Electrical repair

If X-4 Coverage or the Brake Coverage option is purchased:

One thousand five hundred dollars ($1,500) for a Brake repair

Factory Plus:

Allows for the months and kilometres of the term coverage to be added to the original factory warranty term of the vehicle starting from the original in-service date of the vehicle and zero kilometres
If X1 coverage is purchased the months and kilometres of term coverage are added to the original factory powertrain warranty term
If any other coverage is purchased, the months and kilometres of term coverage are added to the original full factory warranty term

Fuel Delivery Coverage:

Coverage is provided for the fuel injector metering pump; fuel injectors; fuel distributor; fuel pump driver module; diesel injection pump; fuel tank; metal fuel lines of the covered vehicle

Seals and Gaskets Coverage:

Seals and gaskets for all covered components are covered independently or in conjunction with a covered repair

Shortened Waiting Period:

If the Shortened Waiting Period option is selected the waiting period is shortened to thirty (30) days and one thousand five hundred (1,500) kilometres

Steering Coverage:

Coverage is provided for all internal parts in rack and pinion; all internal parts in recirculating ball housing; couplings; gear housing; power steering pump; steering main and intermediate shafts; power cylinder assembly; power steering cooler; control valve; Pitman arm; idler arm; tie rod ends; drag link / centre link of the covered vehicle

Suspension Coverage:

Coverage is provided for the upper and lower control arms, control arm shafts and bushings; upper and lower ball joints; steering knuckles; stabilizer shaft, link and bushings; kingpins and bushings; strut bar and bushings; spindles and spindle supports of the covered vehicle

PLAN START DATES

Terms start on the Plan purchase date or vehicle delivery date, whichever is later and the current kilometres on the odometer at the time of sale.

LIMIT OF LIABILITY AND LIABILITY START DATE

Coverage begins the Plan date of sale or vehicle delivery date, whichever is later, and the kilometres on the odometer at the time of sale. Please see below for waiting periods applicable to ALL 12 month or longer Xtra Series Plans (claims waiting period does not apply to 3 and 6 month terms):

Twelve (12) month term: thirty (30) days AND one thousand five hundred (1,500) kilometres
Twenty-four (24) month term: sixty (60) days AND one thousand five hundred (1,500) kilometres
Thirty-six (36) month term: ninety (90) days AND one thousand five hundred (1,500) kilometres
Sixty (60) month term: ninety (90) days AND one thousand five hundred (1,500) kilometres

If Shortened Waiting Period option is purchased for terms over 12 months

The waiting period is reduced to thirty (30) days AND one thousand five hundred (1,500) kilometres

If Day 1 Coverage option is purchased

The waiting period is ELIMINATED
Day 1 coverage is not available on Post Sale Plans

LIMITS OF LIABILITY:

For each claim / repair visit, the liability will in no event exceed the actual cash value of the vehicle immediately prior to the failure. The maximum amount that will be paid for the term of the contract is:

Three thousand five hundred dollars ($3,500) for an Engine/ Hybrid/Electric Drive repair
One thousand dollars ($1,000) for a Turbo / Supercharger repair
Two thousand five hundred dollars ($2,500) for a Transmission repair
One thousand five hundred dollars ($1,500) for a Transfer Unit (4X4) repair
One thousand five hundred dollars ($1,500) for a Drive Axle

If X-2 Coverage or the Cooling Coverage option is purchased:

one thousand dollars ($1,000) for a Cooling repair

If X-2 Coverage or the Fuel Delivery Coverage option is purchased:

one thousand dollars ($1,000) for a Fuel Delivery repair

If X3 Coverage or the Steering Coverage option is purchased:

one thousand five hundred dollars ($1,500) for a Steering repair

If X-3 Coverage or the Suspension Coverage option is purchased:

one thousand five hundred dollars ($1,500) for a Suspension repair

If X-4 Coverage or the Air Conditioner Coverage option is purchased:

one thousand dollars ($1,000) for an Air Conditioner repair

If X-4 Coverage or the Electrical Coverage option is purchased:

one thousand five hundred dollars ($1,500) for Electrical repair

If X-4 Coverage or the Brake Coverage option is purchased:

one thousand dollars ($1,000) for a Brake repair.

The aggregate of all coverages and benefits payable will not exceed the lesser of the price the Plan holder paid for the vehicle or;

If the term of coverage is three (3) months AND the Enhanced Limits of Liability option is NOT purchased, one thousand dollars ($1,000)
If the term of coverage is six (6) months AND the Enhanced Limits of Liability option is NOT purchased, two thousand dollars ($2,000)

If Enhanced Limits of Liability has been purchased, please see “Enhanced Limit of Liability” under “Optional Coverages” to view increased limits.

If parts are not available and the vehicle cannot be repaired, a prorated portion of the Plan charge will be returned to the Plan holder. All claims for the same component group that are reported within ninety (90) days of the original FAILURE date will be considered a single claim for limits of liability purposes

LEVELS OF COVERAGE

X-1, X-2, X-3, X-4:

Component coverage. Only components that are listed in the plan under X-1, X-2, X-3 and X-4 are covered. Please see contract for full list of covered components.

DEDUCTIBLES

Each Plan regardless of term, contains a deductible. There are two deductible options available, $100 and $250. The deductible noted on the registration page will be applied on a per visit basis.

Deductible is subject to applicable taxes.

ADDITIONAL PLAN BENEFITS

The following benefits are included with all Xtra Series Plans and are not subject to deductibles.

Rental Expense:

Towing Expense:

In the event of a failure of a covered repair, reimbursement will be provided to the Plan holder up to one hundred dollars ($100) for towing service.

XPANDED SERIES

GENERAL ELIGIBILITY

To qualify for the Xpanded Series, a vehicle must meet all the following eligibility requirements:

Personal, Business or Commercial Use vehicle only.
- Business Use vehicles are privately, or company owned vehicles that are used by a primary driver for the purpose of, but not limited to, non-delivery route/ sales work, and light duty route work. Examples of Business Use are vehicles used for pizza and floral delivery, realtors and sales reps.
- Commercial Use vehicles include but are not limited to, fleet and multiple driver vehicles, vehicles used for livery, service and repair work, trade work, mobile business, route delivery and vehicles used to pull commercial trailers. Examples of Commercial Use vehicles are vehicles used for taxis, shuttles, lawn care, home inspectors, mail/parcel delivery, dog washing, appliance delivery and/or contractors/trades

Electric/Hybrid vehicles are eligible when surcharge is purchased
All covered components must be functioning and in proper working order at time of Plan sale. PRE-EXISTING CONDITIONS ARE NOT COVERED. Dealer must repair any pre-existing condition prior to issuing the Plan
Vehicle must be current model year +20 years or less and have less than 320,000 kilometres or less on the odometer
Vehicles that are lifted to a maximum of 12 inches and/or have a tire size to a maximum of 40 inches in diameter
Vehicles with the following modifications are accepted: performance/cold air intake modifications, enlarged throttle body/spacers, headers/exhaust modifications, performance chips/tuners, high flow cat-back exhaust, high flow catalytic converter, aftermarket mufflers/pipes, aftermarket electronic ignition systems and aftermarket forced induction systems (turbo/supercharger) NOTE: Coverage is not provided for the actual modification unless those components are already covered under the terms and conditions of the contract

GENERAL INELIGIBILITY

Vehicles with more than 320,000 kilometres on the odometer at the time of purchase, and more than 20 model years from the current model year
All trucks and vans 650/ 6500 and larger
Any vehicle not using publicly maintained roads
If the vehicle’s odometer has stopped, been changed or altered and the true mileage is unknown, or odometer is only measured in miles
Any vehicle used for emergency purposes or used for competitive driving, racing or contest of speed or is principally for off-road use
Vehicles that are lowered more than 4 inches
Any vehicles that house modifications that deem the vehicle illegal for on-road use
Any limited production, exotic purpose or high-performance vehicle (Please view our Xotic program to determine if vehicle has coverage options)
Any vehicle with original equipment manufacturer (OEM) omissions controls that have been removed/or have been replaced with components that are not compliant with environmental protection agency (EPA) regulations
Vehicles with odometer rollback
Water damage or flood damage “branded” titles
Grey market vehicles

COVERAGE TYPES AND ELIGIBILITY

Used Coverage Eligibility:

Available for purchase at TIME OF SALE ONLY (unless Post Sale option has been purchased)
Vehicles current model year +20 years or newer
Vehicles with less than 320,000 kilometres on the odometer
Maximum term is 72 months/200,000 kilometres
Maximum term is dependent on model year and current odometer
Any Age/ Any Mileage under both Premium and Essential coverage. Terms include:
- 3 month/5,000 KM
- 12 month/20,000 KM
- 18month/Unlimited KM

OPTIONAL PACKAGES & SURCHARGES

MANDATORY SURCHARGE

Electric/Hybrid:

Coverage for electric/hybrid vehicles is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Snowplow Usage:

Blade length not to exceed 8 feet
The plow itself, its assembly, and plow controller are excluded from coverage
Surcharge must be purchased and marked on the registration page of the contract

Post-Sale Coverage:

Allows for the purchase of a USED Plan after the vehicle purchase date
Same eligibility as “Used Coverage”
Surcharge must be purchased and marked on the registration page of the contract
Post-Sale Inspection required on vehicles older than current model year +6 years
January 1^st of each year constitutes a model year change
All parts must be in proper working order, PRE-EXISTING CONDITIONS ARE NOT COVERED
Claims waiting period of 30 days and 1000 kilometer, whichever occurs first, applicable on ALL Post Sale Plans

Branded Title:

Coverage for vehicles that have been issued a branded title indicating that the vehicle has sustained significant damage and been declared a total loss by an insurance company prior to restorative repairs
Vehicles with branded titles that have indicated the vehicles odometer has been rolled back or altered and/or has suffered water damage/flood damage are NOT eligible for coverage
All restorative repairs MUST be completed prior to contract being issued
Surcharge must be purchased and marked on the registration page of contract

OPTIONAL COVERAGES

Enhanced Seals and Gaskets (included in Ultimate XP coverage):

Seals and gaskets for all covered components are covered independently or in conjunction with a covered repair

Luxury Electronics Package (Included in Ultimate XP coverage):

GPS navigation system or other navigational / motorist assistance system; Bluetooth control unit, steering wheel switches, microphone; DVD player; front and rear monitor(s); internet access system; Heads-Up Display (HUD) projector, display module, and control unit; audio system amplifier and graphic equalizer; driver assist sensors including parking / back-up, lane assist, collision avoidance sensors; suspension sensors; transmission and transaxle sensors; seat heater element(s)
All parts must be factory or dealer installed with factory approved parts ONLY
The following parts are specifically EXCLUDED: radio/satellite/GPS antennae; cables and wiring and remote controls

Enhanced Limit of Liability (Essential Coverage ONLY):

If the Enhanced Limit of Liability option is selected for each claim / repair visit, the liability will in no event exceed the actual cash value of the vehicle immediately prior to the failure or five thousand dollars ($5,000), whichever is less
The aggregate of all coverages and benefits payable will not exceed the price the Plan holder paid for the vehicle or seven thousand five hundred dollars ($7,500), whichever is less

Factory Plus:

Allows for the months and kilometres of the term coverage to be added to the original factory warranty term of the vehicle starting from the original in-service date of the vehicle and zero kilometres
If XP-1 coverage is purchased the months and kilometres of term coverage are added to the original factory powertrain warranty term
If any other coverage is purchased, the months and kilometres of term coverage are added to the original full factory warranty term

PLAN START DATES

Used:

Term starts on the Plan purchase date or delivery date, whichever is later and the current kilometres on the odometer at the Plan time of sale.

Post-Sale:

Term starts on the Plan purchase date and current kilometres on the odometer at the Plan time of sale.

LIMIT OF LIABILITY AND LIABILITY START DATE

Used:

Coverage begins the Plan date of sale or vehicle delivery date, whichever is later, and the kilometres on the odometer at the time of sale.

Post-Sale:

Claims waiting period of 30 days and 1000 kilometres, whichever occurs first, applicable on all post sale Plans. Additional Benefits begin on the Plan date of sale and kilometres on the odometer at the Plan time of sale.

LIMITS OF LIABILITY:

Essential- For each claim / repair visit, liability will in no event exceed the actual cash value of the vehicle immediately prior to the failure or two thousand five hundred dollars ($2,500), whichever is less. The aggregate of all coverages and benefits payable will not exceed the price the Plan holder paid for the vehicle or five thousand dollars ($5,000), whichever is less.

If Enhanced Limits of Liability option is purchased – For each claim / repair visit, liability will in no event exceed the actual cash value of the vehicle immediately prior to the failure or five thousand dollars ($5,000), whichever is less. The aggregate of all coverages and benefits payable will not exceed the price the Plan holder paid for the vehicle or seven thousand five hundred dollars ($7,500), whichever is less.

Premium- Standard limits of liability for each claim / repair visit, will not exceed the lesser of actual cash value of the vehicle immediately prior to the failure or the original manufacturer’s suggested retail price (MSRP) of the vehicle. The aggregate of all coverages and benefits payable will not exceed the lesser of the price the Plan holder paid for the vehicle or the original manufacturer’s suggested retail price (MSRP) of the vehicle. If parts are not available and the vehicle cannot be repaired, a prorated portion of the Plan charge will be returned to the Plan holder.

LEVELS OF COVERAGE

XP-1, XP-2, XP-3, XP-4:

Component coverage. ONLY components that are listed in the Plan under XP-1, XP-2, XP-3 and XP-4 are covered. Please see contract for full list of covered components.

Ultimate XP:

Exclusionary coverage. ALL components are covered EXCEPT components listed under Exclusions in the customer Plan. Please see contract for full list of exclusions.

DEDUCTIBLES

Each Plan regardless of term, contains a deductible. There are two deductible options available, $100 and $250. The deductible noted on the registration page will be applied on a per visit basis.

Deductible is subject to applicable taxes.

ADDITIONAL PLAN BENEFITS

The following benefits are included with all Xpanded Series Plans and are not subject to deductibles.

Rental Expense:

Emergency Roadside Assistance:

Road service benefits; $50 maximum per occurrence

Towing assistance
Flat tire assistance
Lock out assistance
Fuel/oil/fluid/water delivery service
Battery assistance

Trip Interruption Expenses:

The Plan holder will be reimbursed up to $75 per day for a maximum of three days for incurred meals and lodging (restaurants and hotel/motel only) expenses if:

The plan holder cannot utilize the vehicle due to a covered repair
The plan holder is more than 100 km from their home address shown on the registration page of their contract
The plan holder occurs meal and lodging expenses as a direct result of a covered repair causing delays enroute.

XOTIC SERIES

GENERAL ELIGIBILITY

To qualify for the Xotic Series, a vehicle must meet all the following eligibility requirements:

Personal Use vehicle only
Electric/Hybrid vehicles are eligible when surcharge is purchased
All covered components must be functioning and in proper working order at time of Plan sale. PRE-EXISTING CONDITIONS ARE NOT COVERED. Dealer must repair any pre-existing condition prior to issuing the Plan
Vehicle must be current model year +10 years or less and have under 85,000 kilometres on the odometer

GENERAL INELIGIBILITY

Any vehicle older than 10 model years from the current model year
If the date you purchased the Plan and the date you purchased your vehicle are different
Kit cars
All trucks and vans over DOT Class 3 (“1 ton”)
Step Vans, Cube Vans, Box Body, Cab and Chassis or other incomplete vehicles
Vehicles used for Commercial Use purposes
Any vehicle not using publicly maintained roads
Vehicles that are modified
If the vehicle’s odometer has stopped, been changed or altered and the true mileage is unknown, or odometer is only measured in miles.
Any vehicle used for emergency purposes or used for competitive driving, racing or contest of speed or is principally for off-road use.
Vehicles with “branded” titles, or if the vehicle has been deemed a total loss
If the original warranty has been voided by the manufacturer
Grey market vehicles
Any vehicle with original equipment manufacturer (OEM) omissions controls that have been removed/or have been replaced with components that are not compliant with environmental protection agency (EPA) regulations

COVERAGE TYPES AND ELIGIBILITY

Used Coverage Eligibility:

Vehicles current model year +10 years or newer
Vehicles must have 85,000 kilometres or less on the odometer
Maximum term is 60 months/100,000 kilometres

OPTIONAL PACKAGES AND SURCHARGES

MANDATORY SURCHARGES

Turbo/Supercharger:

Coverage for vehicles with a Turbo/Supercharger is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

Electric/Hybrid:

Coverage for electric/hybrid vehicles is available for all levels of coverage
Surcharge must be purchased and marked on the registration page of contract

OPTIONAL COVERAGES

Enhanced Seals and Gaskets (Included in Ultimate XO coverage):

Seals and gaskets for all covered assemblies are covered independently or in conjunction with a covered repair

Hydraulic Suspension (OEM ONLY):

Coverage is provided for all of the manufacturer installed mechanical, electrical and hydraulic components of the hydraulic suspension system. Some exclusions apply. See the Exclusions section of the Plan terms and conditions for the full list of exclusions

Air Bladder Suspension (OEM ONLY):

Coverage is provided for all of the manufacturer installed mechanical, electrical and pneumatic components of the air suspension system. Some exclusions apply. See the Exclusions section of the Plan terms and conditions for the full list of exclusions

PLAN START DATES

Terms start on the Plan purchase date or vehicle delivery date, whichever is later and the current kilometres on the odometer at the time of sale.

LIMIT OF LIABILITY

Coverage begins the Plan date of sale or vehicle delivery date, whichever is later, and the current kilometres on the odometer at the time of sale.

LEVELS OF COVERAGE

XO-1 & XO-2:

Component coverage; ONLY components that are listed in the plan under XO-1 and XO-2 are covered. Please see contract for full list of covered components.

Ultimate XO:

Exclusionary coverage; ALL components are covered EXCEPT components listed under Exclusions in the Plan. See the Plan terms and conditions for the full list of exclusions.

DEDUCTIBLES

Each Plan regardless of term, contains a deductible. There are three deductible options available; $250, $500 and $1,000. The deductible noted on the registration page will be applied on a per visit basis.

Deductible is subject to applicable taxes.

ADDITIONAL PLAN BENEFITS

The following benefits are included with all Xotic Series Plans and are not subject to deductibles.

Emergency Roadside Assistance:

In the event roadside assistance is needed, please call 1-888-970-0179.

Road service benefits; $100 maximum per occurrence

Towing assistance
Flat tire assistance
Lock out assistance
Fuel/oil/fluid/water delivery service
Battery assistance

Trip Interruption Expenses:

The Plan holder will be reimbursed up to $200 per day for a maximum of three (3) days for expenses for meals and lodging (restaurants and hotel/motel only) expenses if:

The plan holder cannot utilize the vehicle due to a covered repair
The plan holder is more than 100 km from their home address shown on the registration page of their contract
The plan holder occurs meal and lodging expenses as a direct result of a covered repair causing delays enroute.

XTENDED RV ADMINISTRATION

ISSUING VEHICLE PROTECTION PLANS

Upon completion of the sale of a Plan, your customer and Dealer Representative must sign the registration page and a copy retained by the Dealer. The customer should then be provided with a copy of the registration page and all corresponding pages of the Plan. The final page of the Plan is the Customer Welcome Letter and Customer Card. No other confirmation of coverage will be issued. Customers may request replacement copies for lost customer cards by contacting their selling Dealer or the Administrator.

REPORTING VEHICLE PROTECTION PLANS

REPORTING PLANS

The Plans generated with the online system will be submitted to the Administrator automatically once SUBMIT is selected online by the Dealer.

Please note that “Saved” contracts are classified as “Unsubmitted” and do not become valid until they are put into “Submitted” status.

VOIDING PLANS

If a Plan is “Submitted” online and not purchased by the customer, the Dealer must notify the Administrator to have the Plan voided.

REMITTANCES AND STATEMENTS

Remittances are to be forwarded to;

Cornerstone United, Ltd.
931 Commissioners Road E., Suite 201
London, ON N5Z 3H9

Monday through Friday 8:00am-:8:00pm ET
Saturday 9:00am-1:00pm ET

Administrator: 1-866-451-1327

Protection Plan Sales

Remitting online: Plan must be entered and submitted online at www.xtracarecdn.com. Paper copies of the Plans do not need to be sent with monthly remittance if they have been submitted online.

The Plan is not in force until paid in full. No claim payments will be issued on behalf of any Plan unless the Plan has been paid in full.

Remittance Form

Remittance forms should be generated from the online system and included with payment. Please see below for step-by-step instructions on how to submit an online remittance.

1. Go to “PAYMENTS” and select “MAKE PAYMENTS” from the drop-down menu.

FOR PAYMENT BY CHEQUE:

1. Select the Payment Type as “CHEQUE” and select the contracts to be included in the remittance by ticking the boxes on the left-hand side.

2. Click “SUBMIT”. You will be asked to confirm payment. If the remittance is correct select “SUBMIT”.

3. Print the Payment Confirmation Page to send along with a cheque for the payment amount to the address on the Payment Confirmation Page.

NOTE-The payment amount indicated on the payment confirmation page INCLUDES taxes.

FOR PAYMENT BY CREDIT CARD

1. Select Payment Type as “CREDIT CARD” and select the contracts to be included in the remittance by ticking the boxes on the left-hand side.

2. Click “SUBMIT”. You will be asked to confirm payment and review the added convenience fee. Be sure to also review the check box to confirm if you would like this payment information to be stored safely on the external site. If you allow for this information to be stored, then you will not need to enter it again for any future remittances. If you decline this option, you will need to manually enter this information each time you would like to complete a payment by Credit Card.

NOTE- The convenience fee does not apply to any payment submitted by cheque.

3. Select “PAY NOW” and follow the on-screen instructions. Please Note -you will be directed to an external payment site to complete your transaction.

FOR PAYMENT BY ELECTRONIC PAYMENT

1. Select Payment Type as “ELECTRONIC PAYMENT” and select the contracts to be included in the remittance by ticking the boxes on the left-hand side.

2. Click “SUBMIT”. You will then receive the payment review pop up. Be sure to review the check box to confirm if you would like this payment information to be stored safely on the external site. If you allow for this information to be stored, then you will not need to enter it again for any future remittances. If you decline this option, you will need to manually enter this information each time you would like to complete a payment by Electronic Payment.

4. Select “PAY NOW” and follow the on-screen instructions.

Statements

Statements will only be sent once your account reaches 60 days post contract sale. It is the responsibility of the Dealer to review the portal monthly and;

Advise the Administrator if any Plans should be voided from the system
Remit for all outstanding SUBMITTED Plans

Please Note- statements will not be issued for Dealers that do not have an outstanding balance.

CANCELLATIONS/ ADJUSTMENTS

Cancellations and adjustments should be submitted separate from new business. DO NOT DEDUCT CANCELLATIONS OR ADJUSTMENTS from your remittance for new business.

DEALER MARK-UP

The Dealer is responsible for reporting their Dealer mark-up and any applicable taxes.

TRANSFERS

The Plan may be transferred as long as the unit’s title transfer passes from Plan Holder to a subsequent owner or private party and only if all of the following conditions are met:

Coverage, time and kilometers remain on the Plan
Transfer is made within 30 days of the change in the unit’s ownership
A completed transfer form is submitted

The balance of any remaining manufacturer warranty must be transferred at the time of sale. All transfers require a $50 Transfer Fee, plus applicable taxes, payable to Administrator. The fee can be paid by the original owner or the new owner of the unit. Please refer to the Plan for specific details (Proof of maintenance may be required).

Repairs completed before the transfer fee is received by Administrator will not be covered. Plan cannot be transferred from the owner to Dealers or Rental Agencies (or like kind).

NOTE: Limited Warranty and any GPR are NOT transferrable

PLAN CANCELLATIONS FOR CANCELLABLE CONTRACTS

PLAN HOLDER CANCELLATION

If the Plan is cancelled more than 30 days from the purchase date, the Administrator will issue the dealership a prorated refund for the cost of the contract. This will reflect the greater of the days in force or the mileage elapsed based on the term of the contract, less a cancellation fee of fifty dollars ($50), plus applicable taxes. Elapsed time and mileage shall be measured from the contract purchase date and the odometer reading on the vehicle on the contract purchase date.

LEINHOLDER CANCELLATION

ADMINISTRATIVE CANCELLATION

The Administrator may cancel the Plan at any time for:

non-payment of the purchase price
a material misrepresentation or fraud made by the Plan Holder
a substantial breach of duties by the Plan Holder under the Plan relating to the unit or its use
misrepresentation in the submission of a claim
A unit not eligible for the Coverage selected
if for any reason the original manufacturer’s warranty is modified, voided, or does not transfer to a new owner, beginning thirty-one (31) days following the purchase date of the vehicle

PLAN CANCELLATIONS FOR NON-CANCELLABLE CONTRACTS

The only way in which these contracts will be cancelled is if the following occurs:

cancelled within the first 30 days
If the unit is stolen*
If the unit is deemed a total loss*
If the unit is repossessed
If the contract is cancelled by either the Administrator or Lienholder

*Valid documentation is required

PLAN HOLDER CANCELLATION

LEINHOLDER CANCELLATION

ADMINISTRATIVE CANCELLATION

The Administrator may cancel the Plan at any time for:

non-payment of the purchase price
a material misrepresentation or fraud made by the Plan Holder
a substantial breach of duties by the Plan Holder under the Plan relating to the unit or its use
misrepresentation in the submission of a claim
A unit not eligible for the Coverage selected
if for any reason the original manufacturer’s warranty is modified, voided, or does not transfer to a new owner, beginning thirty-one (31) days following the purchase date of the vehicle

PAYMENT

All refunds will be made directly to the selling Dealer.

CALCULATION OF CANCELLATION REFUNDS

The following information is required to obtain a cancellation quote.

Plan number
Plan holder’s name
Date of cancellation
Kilometers at the time of cancellation
Reason for cancellation
Customer signature

DO NOT DEDUCT CANCELLATIONS FROM REMITTANCES.

LOYALTY TRANSFER CREDIT

The Loyalty Transfer Credit applies only to NON-CANCELLABLE Plans.

The Dealer must contact the Administrator (1-866-481-1327) for the Loyalty Transfer Credit amount. To have the credit applied to a new Plan, the Dealer must submit:

A copy of the original Plan
A copy of the new Plan
A copy of the Loyalty Transfer Credit quote issued by the Administrator
A cancellation form signed by the plan holder for the original Plan

MECHANICAL BREAKDOWN CLAIMS

ALL CLAIMS MUST BE SUBMITTED FOR PREAUTHORIZATION PRIOR TO THE COMMENCEMENT OF ANY REPAIR OF THE VEHICLE.

COVERAGE VERIFICATION

At the time a Plan Holder comes to your Dealership to report a mechanical problem that may be covered under the terms of the Plan, follow these procedures;

Secure a copy of the Plan and note the Plan number, or the Plan Holder’s complete name and address, VIN number and the name of the selling Dealer
Verify time and kilometer limits to ensure that the Plan is still in force, and that the vehicle in for repairs is the one covered by the Plan. If the customer does not have access to this information from their contract, please call customer service at 1-866-481-1327
If requested by the Administrator, confirm that the required maintenance has been performed by reviewing the maintenance records or receipts provided by the Plan Holder
Advise the Plan Holder that your collection of the above data and evaluation of the cause of the mechanical failure does not necessarily mean the claim will be paid/covered by the Plan. Such determinations are made by our qualified, trained claims adjusters

CLAIMS & REPORTING

Upon verifying that the Plan is in effect and the failed component is covered:

Assess the complaint, cause, cure including the cost to repair, and all applicable part numbers
Call us to initiate a new claim at 1-866-481-1327 Monday-Friday 8am-8pm ET and Saturday 9am-1pm ET. Claims may also be initiated and completed online (See Online Claims section below)
Report the Plan Number, complete Name and Address of the Plan Holder, and name of the selling Dealer, PLUS the complaint, cause, cure and cost of the repair

Our claims adjuster will verify coverage and either;

Authorize the claim, issuing an Authorization Number (which must be entered on all copies of the Repair Order)
Request further evaluation, tear-down or outside inspection
Decline coverage and provide reason for denial

VEHICLE INSPECTION

We reserve the right to inspect any vehicle at the time of repair. Should we request an outside inspection;

Immediately stop repairs being performed. Should further teardown be necessary, discuss with our adjuster, and obtain authorization from the Plan Holder to perform enough teardown to verify failed parts.
Save all components/parts that need to be reviewed, including fluids and filters. If items are to be machined, they must be available for inspection prior to sending to machine shop.

SUBMITTING AN ONLINE CLAIM

1. Go to “CLAIMS” and select “START CLAIM” from the drop-down menu.

2. Enter the XTENDED RV Plan number or VIN to retrieve the vehicle and Plan information.

3. Enter the required information.

3. Next under payment, click the “ + ADD PROFILE” and select your preferred method of payment, Credit Card, Cheque or Electronic Payment.

4. Next complete the “JOBS” information. Each “JOB” is a separate unrelated repair that was completed at the same time as the repair work.

NOTE- Each submitted Job will have a separate authorization status. Once the Jobs have been reviewed, you will receive an email which will outline the status of all the Jobs submitted.

5. Review the submitted payment information, and ensure all taxability and taxes are correct. NOTE- The deductible will be pre-selected based on what the plan holder has purchased:

6. You then can attach any required documents such as: Repair Orders, Maintenance Records, Photos, Rental Invoices or Towing Bills.

7. Review the summary information and click “SUBMIT CLAIM”. When your claim has been submitted, the following message will appear:

8. Once the claim has been reviewed you will receive an e-mail informing you of the outcome. You may also go to “CLAIMS” and select “MY CLAIMS” to review the status.

Authorized – Initial claim has been reviewed preauthorization given. Repair work can begin
Closed – Claim closed, no longer under review
Deleted – Claim has been voided
Denied – Claim has been denied
Open – Claim currently under review
Paid – Claim has payment issued
Pending Contract Funding – Claim processing on hold waiting for contract payment to be received
Processing Payment Request – Final claim payment in process
Unsubmitted – Claim saved by dealer for completion at a later date.

9. You must wait until the claim is Authorized BEFORE starting any repair. When Authorization is complete you will have the ability to “Request payment”.

NOTE- Clicking on the icon to the right-hand side of the claim will only open a locked view of the claim document, no changes can be made accept for attaching any required Work Order documents.

10. Once your claim is Authorized and all required documents have been attached you can then click “REQUEST PAYMENT” and once processed, payment will be issued.

SUBMITTING FOLLOW-UP CLAIM INFORMATION

For claims given an Authorization Number, with repair cost agreed upon;

Write the Authorization Number, Plan Number and authorized amount on the Repair Order signed by the Plan Holder.
Attach copies of all applicable invoices to the Repair Order, include receipts for Sublet, Car Rentals and/or Towing.
Send copy of any maintenance receipts, if requested.
Collect the applicable deductible plus any applicable taxes, per repair visit, shown on the registration page from the Plan Holder, as well as any outstanding repair amounts not approved by the Administrator.

If not previously submitted online, then submit all the above documents within 45 days of completion of service.

By email: leisure@cornerstoneunited.com

By fax: 866-481-1327

CLAIM PAYMENT

Upon receipt of the repair order, sublet invoices (if any) and any other required documentation, claim payment will be made as follows;

Will be issued as a cheque mailed directly to the servicer. If credit card payment is required, please contact the Administrator directly.
Your approved full labour rate as per your Dealer Agreement, based on industry and manufacturer standard labour codes and times, and MSRP for parts will be paid. Please provide a comprehensive description of all work performed.
Sublet work may be reimbursed at actual cost plus 10%. A copy of the sublet invoice is required to be submitted with claim.

XTENDED RV PROCEDURE MANUAL

GENERAL ELIGIBILITY

To qualify for an Xtended RV Plan, a vehicle must meet all the following eligibility requirements:

Used for pleasure use
Used for business purposes with Commercial Surcharge
All covered components must be functioning and working properly at the time of sale of the Plan. PRE-EXISTING CONDITIONS ARE NOT COVERED. Dealer must repair any pre-existing condition prior to issuing the Plan
Unit must be current model year +19 years or less

GENERAL INELIGIBILITY

Motorhomes with more than 160,000 kms on the odometer at the time of purchase
Or if an accurate odometer reading cannot be determined for your unit at the purchase date
Any unit not using publicly maintained roads
If the original warranty has ever been voided by the manufacturer
If the unit has ever been deemed a total loss
If the unit’s odometer has stopped, been changed, or altered
If the unit is a Revcon model and/or is equipped with a Renault Engine, or any other ineligible model

COVERAGE TYPES AND ELGIBILITY

New Coverage Eligibility:

Any unit being registered with the manufacturer for the first time regardless of model year with less than 20,000 Kilometers (for motorhome coverage)
NEW can be sold by any authorized Selling Dealer
January 1st of each year constitutes a model year change

New Extended Eligibility:

Allows, with a SURCHARGE, the sale of ‘NEW’ rates and coverage terms for units that meet the eligibility criteria noted below:

MOTORHOMES

Units that have been previously registered with the manufacturer
- No more than current model year +3 years
- Have less than 60,000 kms on the odometer
- Current +1 model year maximum term available is 84/120,000
- Current + 2 years maximum term available is 72/160,000
- Current +3 years maximum term available is 60/125,000

TOWABLES & PARK MODELS

Units that have been previously registered with the manufacturer
No more than current model year +2 years
Are less than 24 months from the original in-service date
Current +1 model year maximum term available is 7 years
Current + 2 years maximum term available is 6 years

Used Eligibility

Available for purchase at TIME OF SALE ONLY (unless Post Sale option has been purchased).

Available Coverage Levels:

ULTIMATE COVERAGE

is available for unit’s current model year +19 years or less
Surcharge required for unit’s current model year +9 years and older
5- and 6-year plans are only available up to current model year +8 or current model +9 to +10 with additional surcharge
If older than +6 previous model years, inspection form is to be submitted with contract

SELECT COVERAGE

is available for unit’s current model year +19 years or less. Surcharge required for unit’s current model year +9 years and older
5- and 6-year plans are only available up to current model year +8 or current model +9 to +10 with additional surcharge
If older than +6 previous model years, inspection form is to be submitted with contract

MOTORHOMES

More than current model year +3 years OR
More than 60,000 kms and under 160,000 kms on the odometer

TOWABLES & PARK MODELS

More than current model year +2 years
In- service more than 24 months

Post Sale Eligibility:

Allows for the purchase of a USED Plan after the unit purchase date
Same eligibility as USED
Surcharge required
Inspection required on units older than current model year +6 years
30 day waiting period for claims
January 1st of each year constitutes a model year change

OPTIONAL PACKAGES AND SURCHARGES

MOTORHOME COVERAGE

MANDATORY SURCHARGES:

Select

Ultimate

Included

Diesel Engine (Does NOT apply to contracts with Diesel Wrap Coverage)

Four Wheel Drive

Slide Out Room(s)

Leveling System

Commercial Usage

Older Units (USED units only)

Extended Eligibility

Post Sale Contract RV inspection form is required if unit is older than current +6 previous model year (USED UNITS ONLY)

Diesel Engine

All covered engine parts shown under ENGINE plus fuel injectors (except for contamination), fuel injection pump, fuel heater, all internally lubricated parts contained within the turbocharger housing, waste gate and intercooler. Turbocharger housing is only covered due to the mechanical failure of an internally lubricated part.

Four Wheel Drive:

Transfer Unit: All internally lubricated parts contained within the transmission case, including but not limited to bearings, bushings sprockets, chains, sleeves and gears, viscous coupler, shift forks.
Drive Axles: All internal parts, including but not limited to ring and pinion gears, spider gears, side gears, bushings, bearings, spacers, yokes, axle shafts, lock rings, retainers, axle bearings and hubs. The differential housing is also covered if damage is caused by a mechanical failure of an internally lubricated part. Drive shaft, centre support, and universal joints, including constant velocity joints and tripod joints are also covered.

Commercial Usage:

Commercial Usage only means daily, weekly, or monthly rentals, short-term (12-month or less) lease, or primarily used for business purposes by a single driver, e.g. a traveling salesperson. Coverage does not include taxi, shuttle, delivery services, principally used off-road or hauling.
For vehicles registered in the name of a trust, LLC or other legal entity not used for commercial purposes, the Commercial Usage surcharge does not apply. A written statement from the Plan Holder stating the vehicle is used for personal use is required. Failure to provide this written statement will result in the Commercial Usage surcharge to be added and billed to the dealership.

Emergency Roadside Assistance Benefits are not available on commercial use units

Slide-Out Room(s) (Included in Ultimate Coverage):

Factory Installed or Factory Approved Dealer Installed Electric motors, hydraulic pump, hydraulic ram assembly, actuators, lines, fittings, cylinders, worm gear, gears, boots / seals / weather-stripping, electric switch, wiring harness.

Leveling System (included in Ultimate Coverage):

Factory Installed or Factory Approved Dealer Installed motor, hydraulic/electric pump, actuators, jack assembly, lines, fittings, cylinders, electric motor, worm gear, gears, electric switch, wiring harness.

Post Sale Contract:

If unit qualifies for Used Coverage and the contract purchase date is later than unit purchase date, the Post Sale Contract surcharge applies, and claims will not be considered within the first thirty (30) days of the Contract purchase date.

Older Units:

If unit is older than the current model year (based on current calendar year) plus nine (9) previous model years, to a maximum of nineteen (19) previous model years, the Older Unit surcharge will apply. This surcharge may limit coverage availability.

Extended Eligibility:

If the unit is a New (never previously registered) Motorhome and the odometer exceeds 20,000 kilometres, the Extended Eligibility surcharge applies if term of coverage exceeds forty-eight (48) months.
If the unit is a pre-owned (previously registered) Motorhome and is older than current model year (based on current calendar year) plus one (1) previous model year or the odometer exceeds 20,000 kilometres, the Extended Eligibility surcharge applies if term of coverage exceeds forty-eight (48) months.
If the unit is a pre-owned (previously registered) Towable or a Motorhome with Motorhome Coach-Only Coverage, the Extended Eligibility surcharge applies if term of coverage exceeds forty-eight (48) months.

OPTIONAL COVERAGE:

Select

Ultimate

Included

Included on NEW and Ultimate coverage USED

$500 Towing

$1000 Towing

Deluxe Component Package

Audio Visual Package

Seals and Gaskets

Enhanced Service Call

Mobility Equipment Package

Deluxe Electronic Package (Ultimate ONLY)

Tire and Wheel Road Hazard Protection

$500 Towing Option (Included in Ultimate Coverage):

Increases Towing and Emergency Roadside Assistance Benefit to Five Hundred Dollars ($500). If the $500 Towing Option is not selected, then the maximum towing benefit under the SELECT plan is $300.

$1000 Towing Option:

If the $1,000 Towing Option is selected, the towing benefit increases to one thousand dollars ($1,000).

Deluxe Components (Included in Ultimate Coverage):

Factory Installed or Factory Approved Dealer Installed; Rear monitor, backup camera & perimeter warning systems; trash compactor; central vacuum cleaner system; washing machine; clothes dryer; water purifier; dishwasher; in-sink disposal; ice maker; freezer; external barbecue; kitchen centre (Factory Installed or Factory Approved Dealer Installed); remote electronic entrance system; factory installed thermometer; factory installed compass; central locking system; factory installed anti-theft system; security systems; power seat module; electric fireplace; Solar recharging system panels, regulators and wiring; and aqua heat system.

Audio Visual Package (Included in Ultimate Coverage)

Factory Installed or Factory Approved Dealer Installed; Television set(s) (65” or less), TV antenna motors, stereo system including CD/DVD/MP3, VCR tape deck, GPS navigation system, satellite TV and satellite radio systems.

Seals and Gaskets (Used units Only; with Select coverage):

For Used Motorhomes, coverage is available for units with 96,000 kms or less on the Purchase Date. Seals and gaskets for all covered components are covered independently or in conjunction with a covered repair.

Enhanced Service Calls:

Increases Service Call Benefit to four hundred dollars ($400). If the Enhanced Service Call Option is not selected, then the maximum Service Call benefit is $200 per claim.

Mobility Equipment Package:

Factory Installed or Licensed Mobility Equipment Company Installed; Chair lift motors and assemblies, electric/hydraulic ramp controls and assemblies, adjustable seating mechanisms, adjustable pedal and steering control mechanisms, hoist and swing arm mechanisms, kneel systems, door opening and closing systems that are a part of the original mobility conversion.

Deluxe Electronics Package (Ultimate Coverage Only):

Factory Installed or Factory Approved Dealer Installed Television set(s) larger than 65” (maximum of four (4) sets); lane departure / collision control systems, touch screen control panels, mobile app-control systems (non-factory tablet and mobile devices are not covered), factory installed (OEM) phone and internet access systems, wireless Wi-Fi Routers, Wi-Fi and cell phone boosters.

Tire and Wheel Road Hazard Protection:

In the event a tire(s) on your vehicle, a vehicle owned by you which is towing your vehicle, or a vehicle owned by you being towed by your vehicle is damaged due to a road hazard, we will pay a repair facility, or reimburse you the following:
- Tire Repair: pay the charges incurred for the repair of the flat tire(s).
- Tire Replacement: pay for a replacement tire should the tire become non-repairable due to impact breaks, snags, punctures, or other road hazards. See contract for more details.
- Wheel Repair: pay the charges incurred for the repair of the wheel(s).
- Wheel Replacement: pay for a replacement wheel should the wheel become an unserviceable wheel due to road hazard damage. See contract for more details.

USED TOWABLE AND MOTORHOME COACH-ONLY COVERAGE

MANDATORY SURCHARGES:

Select

Ultimate

Included

Slide Out Room(s)

Leveling System

Commercial Usage

Motorhome Coach-Only Coverage

Older Units (USED UNITS ONLY)

Extended Eligibility

Post Sale Contract- RV inspection form is required if unit is older than current +6 previous model year (USED UNITS ONLY)

Motorhome Coach-Only Coverage (Included in Ultimate Coverage):

If unit is a motorhome and Motorhome Coach-Only Coverage is purchased on unit, the Motorhome Coach-Only Coverage surcharge will apply. Motorhome Coach-Only Coverage provides coverage only for those components and component groups included in the coach portion of the Motorhome. No coverage is provided for any components or component groups associated with the powertrain and chassis of the Motorhome. Please see contract for more details.

Extended Eligibility:

If the unit is a pre-owned (previously registered) Towable or a Motorhome with Motorhome Coach-Only Coverage, the Extended Eligibility surcharge applies if term of coverage exceeds forty-eight (48) months.

OPTIONAL COVERAGE:

Select

Ultimate

Included

Included on NEW and Ultimate coverage USED

$500 Towing

$1000 Towing

Deluxe Component Package

Audio Visual Package

Seals and Gaskets

Enhanced Service Call (up to $400 benefit per occurrence)

Mobility Equipment Package

Deluxe Electronics Package

Tire and Wheel Road Hazard Protection

PLAN START DATE

New:

Term starts on the Plan purchase or delivery date, whichever is later, and 0 kms.

New Extended Eligibility:

Term starts on the Plan purchase or delivery date, whichever is later, and 0 kms.

Used:

Term starts on the Plan purchase or delivery date, whichever is later, and current kms.

Post Sale:

Term starts on the Plan purchase date and current kms.

LIMIT OF LIABILITY AND LIABILITY START DATE

Limit of Liability

Each claim/repair visit will in no event exceed the actual cash value of the unit before the mechanical breakdown. The aggregate of all coverage and benefits will not exceed the price paid for the unit or $75,000, whichever is less. If parts are not available and the unit cannot be repaired, the customer will receive a pro-rated refund of the purchase price of the Plan.

Liability Start Date

New Plans:

Begins on expiration of the manufacturer’s warranty, product purchase date or delivery date whichever is later.
- Manufacturer/Dealer/OEM warranty supersede Xtended RV coverage.

New Extended Eligibility Plans:

Begins on expiration of the manufacturer’s warranty, product purchase date or delivery date whichever is later.
Manufacturer/Dealer/OEM warranty supersede Xtended RV coverage.

Used Plans:

Coverage begins on the Plan purchase date or delivery date, whichever is later. Used plans must be purchased on the same day as the unit is purchased.

Post Sale Plans

Coverage begins on the Plan purchase date.
Claims waiting period of 30 days applicable on all Post Sale Plans.

LEVELS OF COVERAGE

Ultimate Coverage

Exclusionary coverage- all components are covered except components listed under Exclusions in the customer Plan.
Towables, Park Models and Motorhomes are eligible
Current Model year +19 years

Select Coverage

Component coverage- only components that are listed in the Plan under Select Coverage are covered.
Towables, Park Models and Motorhomes are eligible
Current model year +19 years
Current +9 to 19 model years require surcharge

DEDUCTIBLES

Each Plan, regardless of term, contains a deductible. There are several deductible options available ($0 (NEW ONLY), $50, $100, $200, $250 and $500). The Deductible noted on the registration page will be applied on a per visit basis.

If the customer returns to the Selling Dealer for repairs, the deductible stated on the registration page will be reduced by $50 per visit for a covered Mechanical Breakdown, unless the $0 deductible is selected.

Deductible is subject to applicable taxes.

ADDITIONAL PLAN BENEFITS

Rental Expense (Motorhome Only):

In the case of a covered repair, the administrator will reimburse you for substitute transportation. Such reimbursement will be limited to seventy-five dollars ($75) for every eight (8) hours, or portion thereof, for applicable labour time required to complete the covered repair (based on applicable national repair manual); up to a maximum of five hundred dollars ($500) per occurrence.

Additional Rental Expense (Motorhome Only):

Rental benefits will be increased up to five (5) additional days ($50 per day maximum) in cases of covered major component (Engine, Transmission, Drive Axle) failure and/or parts delay for any covered repair or administrator requested unit inspection; provided, additional authorization is obtained from the administrator.

Service Calls:

In the event of a covered repair, the administrator will cover up to two hundred dollars ($200) per claim if onsite service is necessary. This benefit also applies to repairs made under the manufacturer’s warranty that would otherwise qualify for coverage under the contract. In the event that there is a claim under the manufacturer’s warranty that would not be covered under the contract, the administrator will cover up to two hundred dollars ($200) for onsite service calls for a maximum of two (2) covered manufacturer claims during the first one hundred twenty (120) days of this contract. Proof of manufacturer authorization / payment is required before benefit can be applied.

Manufacturer’s Warranty Deductible Reimbursement:

In the event a deductible is charged for a repair under the manufacturer’s warranty that is considered to be a covered repair, the deductible charge will be reimbursed up to one hundred dollars ($100) per occurrence.

Towing Service:

In the event towing of your unit is necessary as the result of a covered repair or damage due to road hazard, the administrator will reimburse you for towing services as follows:
- up to three hundred dollars ($300) for SELECT Coverage
- up to five hundred dollars ($500) for ULTIMATE Coverage
- five hundred dollars ($500) for SELECT Coverage with $500 Towing Option
- one thousand dollars ($1,000) for SELECT or ULTIMATE Coverage with $1,000 Towing Option

For Towing service call 1-888-702-9747.

Emergency Roadside Assistance:

In the event your registered unit requires roadside assistance, call 1-888-702-9747 and a service vehicle will be dispatched to your assistance. The Xtended RV Emergency Roadside Assistance service is available 24 hours a day, 365 days a year and is available throughout Canada and the U.S.

24-hour Emergency Roadside Assistance service begins upon the expiry of the manufacturer’s roadside assistance coverage and continues for the term of your contract, unless cancelled.
Roadside Assistance coverage under this benefit is limited to five (5) payable occurrences per contract. Only one disablement for the same service type during any seven (7) day period will be accepted.
In the event that service is not obtainable through Xtended RV Emergency Roadside Assistance, you will be reimbursed for expenses paid according to the coverage limits outlined in these terms and conditions. You must first contact Xtended RV for authorization to obtain services independent of the Emergency Roadside Assistance Program.
Coverage is extended to the unit registered in the contract only. The registered unit must be owned by the customer identified in the contract.
This contract does not cover units requiring towing or other roadside assistance due to accidents. In the event your registered unit is involved in an accident, you must contact your insurance company.

The following are Covered Services provided for up to one-hundred dollars ($100) per occurrence:

Flat tire assistance
Lock-out assistance
Fuel / fluid delivery services
Battery service

Trip Interruption Expenses:

the administrator will reimburse up to two hundred dollars ($200), per day, for a maximum of three (3) days, for incurred meal (restaurants only) and lodging (hotel / motel only) expenses if:
- You cannot utilize the unit due to a covered repair and are more than one hundred (100) kilometres from your home address shown on registration.
- You incur meal and lodging expenses as a direct result of a covered repair causing a delay en route. The date of the mechanical breakdown shall be considered the first day of the three (3) consecutive calendar day maximum period. The meal and lodging expenses must be incurred between date of mechanical breakdown and the completion date of the covered repair, or by the end of the third (3rd) calendar day from the date of mechanical breakdown, whichever occurs first.

Food Spoilage:

The administrator will reimburse you up to one hundred and fifty dollars ($150), per occurrence, for food spoilage due to your refrigerator not working properly as a direct result of a covered repair, and service is not available for at least twenty-four (24) hours.

CHOICE & COMPLETE PROCEDURE MANUAL

GENERAL ELIGIBILITY

To qualify for the Complete and Choice program, the vehicle must meet all the following eligibility requirements:

Current +14 model years
Up to 240,000 KM on the odometer at the time of sale
Personal Use Vehicle
Vehicle under 1 ton capacity

GENERAL INELIGIBILITY

Vehicles with more than 240,000 kilometres on the odometer at the time of purchase, and more than 14 model years from the current model year
Commercial Use Vehicles
Heavy trucks (450/4500 and above)
Tires that have three-thirty-seconds of an inch (3/32″) or less tread depth remaining
Any vehiclethat is used for racing or other competition, rentals, dealer loaners, limousine, taxi, police car or other emergency vehicle
Any vehicle not using publicly maintained roads
Any damage that existed at the time of the retail sale of the contract

COVERAGE TYPES

WINDSHIELD REPAIR

Contract covers repair to the front windshield’s cracks, stars or chips up to one and a half (1.5) inches in diameter when it is:

damaged by propelled rocks and / or other road hazard debris such as wood debris, metal parts, plastic or composite scraps, or any other propelled objects while the covered vehicle is being driven
caused by stress on the windshield due to bumps in the highways, streets, or roads.

Repairs to cracks, stars or chips on the front windshield surface that are determined to be repairable will be performed using the existing windshield repair process.

KEY REPAIR/ REPLACEMENT

In the event The Plan Holder’s key(s) is lost or damaged and will not work, Xtended Auto Roadside Assistance will reimburse The Plan Holder for the repair or, if not repairable, the replacement of The Plan Holder’s key(s) and / or transponder. Replacements will be of original equipment manufacturer (OEM) or like kind and quality keys and / or transponders. Coverage will be provided for the reasonable repair or replacement of key inserts, metal key charge, key housing, remote housing / transmitter, bluetooth replacement, and any related vehicle programming expenses.

Additional Lost Key Benefits: In the event additional keys were lost in conjunction with a covered key loss, Xtended Auto Roadside Assistance will reimburse The Plan Holder up to one hundred dollars ($100) per occurrence to replace eligible key(s).

PAINTLESS DENT REPAIR

Repair of minor dents and / or dings up to four (4) inches in length that can be repaired with the paintless dent repair (PDR) process. Not all dents and dings can be repaired using the PDR process. Larger dents, dents with creases, dents and dings that are not accessible with PDR tools, and those requiring repainting are not covered.

ROADSIDE ASSISTANCE INCLUDES:

In the event Roadside Assistance is needed, please call 1-888-970-0179.

Road service benefits; $100 maximum per occurrence

Towing Assistance
Flat Tire Assistance
Lock Out Assistance
Fuel/Oil/Fluid/Water Delivery Service
Battery Assistance

TIRE AND WHEEL

SELECT PLAN:

In the event a tire(s) and / or wheel(s) on The Plan Holder’s covered vehicle is / are damaged due to a road hazard, we will reimburse The Plan Holder for the following:

Tire Repair
Tire Replacement
Wheel Repair
Wheel Replacement
Towing

ULTIMATE PLAN:

Includes all coverage under the Select Plan plus the following:

Curb Damage – “Road Hazard”is expanded to include the damage of a tire(s) or wheel(s) due to impact with a curb
Cosmetic Damage – Coverage is provided for alloy or steel wheels where the normal condition of the wheel(s) is altered from its normal appearance. Coverage is limited to brushed or painted surfaces

INTERIOR REPAIR:

Coverage in the event The Plan Holder incurs minor interior rips, burns, tears (maximum of three (3) inches in length), cracks, scratches or punctures (less than one and one quarter (1 ¼) inches in diameter), to interior surfaces of fabric or leather seats, dashboard materials, armrests, door panels, headliners and carpeting (floor mats are excluded) of The Plan Holder’s covered vehicle due to normal wear and tear.

LEASE-END BENEFITS:

Expenses covered under this benefit are limited to exterior dings, dents, repairable scratches, chipped / cracked glass, damage to interior fabrics, carpets (floor mats are excluded), seats, dashboard and console plastics, leather, cloth, vinyl including but not limited to rips, burns, tears, cracks, scratches or punctures, stains, cosmetic wheel benefits to remove scuffs, scratches, curb rash, nicks, alloy wheel painting or respraying, or bent wheels.

Lease-End Benefits are available from ninety (90) days prior to until ninety (90) days after the lease termination date. All claims under this benefit must be submitted within this time period.

LEVELS OF COVERAGE

CHOICE

The Plan Holder can select any number of the following benefits:

Windshield Repair
Key Repair/Replacement
Roadside Assistance
Tire and Wheel (Select or Ultimate)

COMPLETE

The complete program comes as a package with all of the following benefits:

Windshield Repair
Key Repair/Replacement
Roadside Assistance
Ultimate Tire and Wheel
Interior Repair
Ultimate Lease End Benefits

MANDATORY SURCHARGES

POST SALE

Coverage for used vehicles is only available at the time of delivery unless the Post-Sale Contract surcharge is selected. Post-Sale Inspection required on vehicles older than current model year +6 years.

PLAN START DATES

Term starts on the Plan purchase date or delivery date, whichever is later.

LIMIT OF LIABILITY

Liability Term starts on the Plan purchase date or delivery date, whichever is later.

TIRE & WHEEL

No limit to number of claims
No aggregate dollar limit for claims

WINDSHIELD REPAIR

No limit to number of claims
Maximum $500 per occurrence

PAINTLESS DENT REPAIR

No limit to number of claims
Maximum $250 for hail damage repair

KEY REPAIR/REPLACEMENT

Maximum one repair per 12-month period
Maximum $1,000 per occurrence

INTERIOR REPAIR

No limit to number of claims
Maximum $250 per visit

LEASE-END BENEFITS

Maximum $1,500

TRIP INTERRUPTION

Maximum $150 for a maximum of 3 days

ROADSIDE ASSISTANCE

Maximum $100 per occurrence

DEDUCTIBLES

Both the Complete and Choice Program have no deductible.

ADDITIONAL BENEFITS

Rental Car

Reimbursement for rental car expenses up to fifty dollars ($50) per day for a maximum of two (2) days if the repair(s) to the tire(s) and / or wheel(s) require eight (8) hours or more of labour, if Xtended Auto requires an inspection of the covered vehicle or if the repair(s) require the shipment of the damaged wheel(s).

Trip interruption (Ultimate coverage only)

The Plan holder will be reimbursed up to $150 per day for a maximum of three days for incurred meals and lodging (restaurants and hotel/motel only) expenses if:

The plan holder cannot utilize the vehicle due to a covered repair
The plan holder is more than 100 km from their home address shown on the registration page of their contract
The plan holder occurs meal and lodging expenses as a direct result of a covered repair causing delays enroute.

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CHOICE & COMPLETE PROCEDURE MANUAL

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