Protection for Pre-Owned Vehicles

Extended Warranty & GAP Insurance

PRco is an industry leader in comprehensive coverage for your vehicle. PRco first-class Open Road Premium mechanical breakdown coverage is the most popular choice and is only available through authorized dealerships. Ask for PRco coverage when you purchase your next pre-owned vehicle.

Service Contract English Brochure | Spanish Brochure
GAP Protection English Brochure | Spanish Brochure

With a vehicle service contract, the contract holder is covered when their vehicle experiences a mechanical breakdown or failure that is addressed by the vehicle service contract. The process varies throughout the industry, but, typically, you simply have the repair facility of your choice, employing an ASE-certified technician, contact the provider’s claims center to report the claim prior to repairs. The claims representative then works with the service center to ensure that they receive their payment and that your vehicle is repaired.

If you are unsure of where to take your vehicle for repair, you can typically contact the administrator of your service contract for guidance. The terms of the agreement should make clear that certain costs are covered and certain costs may not be covered. In some cases, the contract holder may need to pay a deductible. The vehicle components that are specified for coverage in your agreement should be covered outright, provided regular maintenance has been properly and regularly performed as defined by the terms and conditions of your vehicle service contract.

GAP is “Guaranteed Asset Protection.” If your vehicle is totaled or stolen, your insurance company will only pay the current cash value of your vehicle (actual cash value) not necessarily how much you still owe the bank (principal loan balance). Normally you are left to pay the difference out of your own pocket. GAP Covers the difference between the actual cash value and your principal loan balance (subject to terms and conditions) so that you aren’t left paying for a car you don’t have.

What are the Benefits of GAP Protection?

  • Financial Protection when you need it – your vehicle is accidentally Totaled or Stolen and not recovered within 30 Days.
  • Protection for the difference between the “Actual Cash Value” paid by the insurance company and the principal balance of your loan.
  • Protection for loan terms up to 84 months.
  • $1,000.00 Replacement Vehicle Benefit (not available in all states).
  • Protection for vehicle loans up to $60,000.00
  • Deductible coverage up to $1,000.00

PRco Protection could be the most important purchase you make for your vehicle. Whether you’re buying your car or truck from an authorized PRco dealer, or want to extend your PRco protection, you’re making a wise choice.

  • All Internally Lubricated Parts
  • Cylinder block, heads and barrels
  • OEM Installed turbocharger and supercharger housing, pulley and their internal parts
  • Waste gate and control valve
  • Intercooler
  • Timing belt, chain, gears, tensioner, idler and bolt
  • Balance shaft belt and bolt
  • All pulleys and their bolts
  • Harmonic balancer and bolt
  • Cam gear bolt
  • Head bolts
  • Intake & exhaust manifolds
  • Mounts
  • Cushions
  • Flex plate
  • Flywheel
  • Ring gears
  • Timing and valve covers
  • Oil filter adapter
  • Oil pan
  • OEM installed oil cooler, metal lines and fittings
  • Dipstick and tube
  • Expansion plugs
  • Coolant, lubricant, filters, seal and gaskets required for a covered repair

(For vehicles with purchase date mileage less than 130,001)

  • All engine parts listed on “1. A. Engine Section” are covered as a result of overheating caused by the failure of a covered part of the cylinder head gasket
  • Case and all internally lubricated parts
  • Overdrive unit
  • Torque converter
  • Vacuum modulator
  • Mounts
  • Bell housing
  • Oil pan
  • OEM installed oil cooler
  • Metal cooler lines and fitting
  • Dipstick and tube
  • Slave cylinder and master cylinder of a manual transmission clutch assembly
  • Four wheel drive actuator and motor
  • Transfer case control module
  • Viscous coupling
  • External solenoid
  • Throttle valve cable
  • Lubricant, filters, seals and gaskets required for a covered repair
  • Drive axle case and all internally lubricated parts contained withing the front or rear drive axle
  • Thrust washers, Drive shaft
  • “U” joints and yokes
  • Mounts
  • CV joint and bearings
  • Tripod joints and bearings
  • Stub shaft
  • Axle shaft and bearings
  • Propeller shaft
  • Center support bearing
  • Locking hubs, hub assembly, bearings and vacuum actuator
  • Flex disk
  • Differential cover
  • Lubricant, Seals and Gaskets Required for a Covered Repair
  • Starter Motor, Relay, Drive and Solenoid
  • Alternator, Mounting Bracket and Pulley
  • Voltage Regulator
  • Water Pump
  • Radiator, Shroud and Bracket
  • Coolant, Seals and Gasket Required for Covered Repair
  • Electric and Mechanical Fuel Pump

(Including Four-Wheel Steering)

  • Box, Pump, Housing and All Internally Lubricated Parts within the Box and Pump Housing
  • Steering Assist Motor
  • Pump Pulley, Mounting Bracket, External Reservoir and Cooler
  • Valves
  • Rack and Pinion
  • Steering Main and Intermediate Shaft, Pivot Joint, Couplings and Bearings
  • Yoke
  • Knuckles
  • Metal Cooler Lines
  • Power Steering Hoses
  • Main Bevel Gear
  • Lubricant, Seals and Gaskets Required for a Covered Repair
  • Master Cylinder
  • Power Brake Booster
  • Vacuum Pump
  • Power Assist Booster and Valve
  • Hydroboost
  • Calipers
  • Wheel Cylinders
  • Combination Valve
  • Load Distribution Valve
  • Power Brake Cylinder
  • Parking Brake Assembly, Linkage and Cables
  • Brake Pedal Assembly and Linkage
  • Backing Plates
  • Metal Lines and Fittings
  • Brake Hoses
  • Fluid Required for a Covered Repair
  • Master Cylinder
  • Electronic Control Processor and Relays
  • Booster
  • Solenoids
  • Wheel Speed Sensor and Exciters
  • Hydraulic Pump / Motor Assembly
  • Pressure Modulator Valve
  • Accumulator
  • Proportioning Valve and Control Valves
  • Fluid Required for a Covered Repair
  • Upper and Lower Control Arms, Thrust Arms, Shafts and Bushings
  • Spindle and Spindle Support
  • Upper and Lower Ball Joints
  • Wheel Bearings
  • I-Beams
  • Leaf Springs, Shackles and Bushings
  • Coil Springs
  • Linkage
  • Tie Rods, Ends and Adjusting Sleeves
  • Pitman, Idler Arms and Bushings
  • Radius Arm and Bushings
  • Torsion Bar, Stabilizer Bar, Track Bar and their Mounts and Bushings
  • Center / Drag Link and Bushings
  • King Pins and Bushings
  • Double Wishbone Assembly
  • Compressor, Mounting Bracket and Pulley
  • Clutch and Field Coil
  • Idler Pulley, Bearing and Mounting Bracket
  • Serpentine Belt, Tensioner, Bearing and Pulley
  • Condenser
  • Evaporator
  • Receiver – Drier
  • Accumulator,
  • Expansion and POA Valve
  • High / Low Compressor Cutoff Switch
  • Pressure Cycling Switch
  • Orifice Tube
  • Blower Motor, Control Switch, Fan and Resistor
  • Heater Core
  • Heater Control Valve
  • Ducts
  • Filter, Refrigerant, Oil, Evacuate, Recharge Required for Covered Repair
  • Wiper Motors, Including Internal Circuit Board, Relay Module and Relay Switch
  • Wiper Transmission
  • Horn, Actuator and Relay
  • Power Door Lock Actuators and Relay
  • Power Window Motor, Regulator and Relays
  • Convertible Top Motor
  • Power Antenna Assembly / Mast
  • Sunroof Motor
  • Distributor Pole Piece, Shaft, Synchronizer and Housing
  • Emergency Warning Flasher
  • Neutral Safety Switch
  • Back Light Switch
  • Cruise Control Cancellation Switch
  • Glove Box Light Switch
  • Power Seat Motor, Relays and Manual Seat Adjustment
  • Door and Trunk Lock Solenoid
  • All Manually Operated Switch
  • Head Lamp Relay
  • Head Lamp Washer Pump
  • Temperature Gauge Sending Unit
  • Oil Pressure Sending Unit and Switch
  • Rear Window Defogger or Defroster
  • Front & Rear Washer Pumps
  • Washer Fluid Exit Ports
  • Engine Oil Level Sensor
  • Door & Hood Ajar Switch
  • Ignition Switch, Lock, Cylinder and Tumbler
  • Engine Control Module (ECM)
  • Body Control Module (BCM)
  • Powertrain Control Module (PCM)
  • Hood and Trunk Release Actuator
  • SLI Battery (Excludes Hybrid / EV Battery)
  • Electric Motor / Generator
  • Inverter Units
  • Voltage Inverter Reservoir
  • Drive Motor and Dampener
  • Power Controller
  • Cooling System Blower, Motor and Pumps
  • Stator and Rotor
  • Thermostat
  • Fan & Clutch
  • Electric Fan Motor, Switch, Relay and Resistor Block
  • Coolant Recovery Tank
  • Thermostat Housing
  • Coolant Level Sensor
  • Water Pump Housing
  • OEM Engine Block Heater
  • Coolant Required for Covered Repair
  • Fuel Injectors, Nozzles and Pressure Regulator
  • Fuel Injection Pump
  • Distribution Rails
  • Electric Fuel Pump Strainer
  • Distributor
  • Pulsator
  • Sending Unit
  • Tank, Auxiliary Switch over Valve, Filter Neck, Metal or Plastic Lines and Fitting
  • Accelerator Pedal Assembly
  • Warm-up Regulator
  • Pump Relay
  • Lift Pump
  • OEM Installed Fuel Shutoff Control
  • Electronic Fuel Injection Sensors, Including O2, Speed, M.A.P, M.A.F, Cam, Crank, Coolant, Air Temperature, Flex Fuel
  • Idle Air Control or Valve
  • Cold Start Injector
  • Thermo Time Switch
  • Fuel Accumulator
  • Ignition Pick Up Assembly and Computer Control Module
  • Fuel Injection Control Module (FICM)
  • Spark Control Detonation (Knock) Sensors and Controller
  • Transmission / Transaxle Control Module (TCM) and Sensors
  • Ignition Coil
  • Variable Valve Timing Computer Control Module and Actuator
  • Turbo Boost Computer Control Module
  • Electronic Stability Control Sensor and Module
  • Electronic Module Retard Vacuum Switch
  • Throttle Body, Cable, Linkage, TPS and Computer Control Module
  • PCV Valve
  • EGR Valve
  • Intake Manifold Runner Valve
  • Trunk and Hood Gas Cylinders, Latches, Hinges, Torsion Bars and Springs
  • Ashtray Assembly
  • Glove Box Lock Assembly
  • Door Handles, Hinges and Latches
  • Shifter Module
  • Shifter Interlock Solenoid
  • Manual Seat Track and Adjuster Springs
  • Trunk Lock, Pull Down Motor, Release Switch & Solenoid
  • Tailgate or Liftgate Handle, Motor and Solenoids
  • Spare Tire Carrier or Swing Arm, Latch and Lock
  • Steering Dampener
  • Manual Adjusting Steering Column / Tilt Wheel Mechanism
  • Memory Steering Wheel Motors, Switches, Activators, Sensors and Control Module
  • Electronically Controlled Variable Damping Suspension Compressor, Control Module, Actuator, Solenoid and Mode Selector Switch
  • Air Suspension Compressor
  • Air Suspension Bags, Springs, Lines, Sensors, Relay, Limiter Valve
  • Air Suspension Electronic Level Control Computer
  • Steering Torque Sensor
  • Strut Top Mounts
  • Electronic Driver Display and Display Module
  • Analog Gauges
  • Electronic Anti-Theft Device, Vehicle Security Computer, Sensors and Remote Entrance Device
  • Combination Entry System
  • Cruise Control Assembly, Servo and Controller
  • Temperature Control Programmer
  • Moisture Control Unit and Sensors
  • Vacuum Selector Assembly
  • Power / Vacuum Module and Relay
  • Stability Traction Control Module, Solenoids and Sensors
  • Power Seat Transmission, Computer and Sensors
  • Power Mirror Motor
  • Power Side Door Motors
  • Retractable Head Lamp Motors
  • Head Lamp Wiper Motor
  • Defogger Relay
  • Power Point Accessory Outlet
  • Map Lights and Compartment Lighting
  • Automatic Day / Night Mirror Sensor
  • Illuminated Visor Vanity
  • Side View Mirror Defogger
  • Wiring Harnesses and Connectors for Listed Covered Components Above
  • Heated Seat Element
  • Instrument Cluster and Circuit Board
  • Daytime Running Light Module
  • Rain Sensing Wiper Sensors
  • Object Avoidance Transmitters and Sensors
  • HVAC Plenum Doors, Actuators and Motors

Seals and gaskets designed to prevent the loss of necessary lubricants, fluids, coolants and refrigerants in the covered component groups and parts (1-18) above.


PRco offers the best benefits and the most comprehensive coverages available:


Reimbursable up to $135 per Occurrence for Covered Repairs.


Reimbursable up to a Maximum of $100 per Occurrence.


Expenses Reimbursable up to $30 per Day or Maximum of $275 for Covered Repairs.


Expenses Reimbursable up to $30 per Day or Maximum of $150 for Repairs Covered under Warranty or other Contract.


Made to Repair Shops for Covered Repairs with Our Corporate Credit Card.


Expenses Reimbursable up to $30 per Day or a Maximum of $60 for the Duration of the Inspection whether the Repair is Covered or Not.


Coverage is Transferable if you Sell Your Vehicle.


Expenses Reimbursable when You’re more than 100 Miles from Home up to $100 per Day or Maximum of $300 for Lodging and Meals for Covered Repairs.

Back to top