0k – 100k Coverage Level

WHAT’S NOT COVERED?

COVERAGE IS NOT PROVIDED IN THE FOLLOWING SITUATIONS:

Pre-Existing Conditions, Deceptive or Inaccurate Claims

Your Toco plan will not cover any pre-existing condition or a breakdown occurring before coverage takes effect or prior to the contract purchase date, or if the information provided by you, or the repair facility cannot be verified as accurate or is found to be fraudulent, deceptive or inaccurate. All Toco plans feature a waiting period before full coverage takes effect.

Breakdowns caused by negligence or failure to properly maintain your vehicle.

Your Toco plan will not cover any breakdown caused by misuse, abuse, negligence, lack of normal maintenance required by the manufacturer’s maintenance schedule for your vehicle or improper servicing or repairs subsequent to purchase. For any breakdown caused by sludge build-up resulting from your failure to perform recommended maintenance services, or failure to maintain proper levels of lubricants and/or coolants, or breakdowns caused by fuels containing more than 10% Ethanol (if the engine was not manufactured for this fuel mixture), or failure to protect your vehicle from further damage when a breakdown has occurred or failure to have your vehicle towed to the service facility when continued operation may result in further damage. Continued operation includes your failure to observe warning lights, gauges, or any other signs of overheating or component failure, such as fluid leakage, slipping, knocking, or smoking, and not protecting your vehicle by continuing to drive, creating damage beyond the initial failure.

Damage from other causes like storms or vandalism

For any damage and/or breakdown resulting from collision, road hazard, fire, theft, vandalism, riot, acts of terrorism, explosion, lightning, earthquake, freezing, rust or corrosion, windstorm, hail, water or flood, acts of God, salt, environmental damage, chemicals, contamination of fluids, fuels, coolants or lubricants.

Basic Wear and Tear

Your Toco plan covers your car when it breaks down. It does not cover any repair, or the replacement of any covered part if a breakdown has not occurred or if the wear on that part has not exceeded the field tolerances allowed by the manufacturer. Any part that a repair facility or manufacturer recommends or requires to be replaced or repaired, or is an update, and a breakdown has not occured, is your responsibility to maintain.

Aftermarket Alterations, Customizations or Modifications to the Vehicle

If any alterations have been made to your vehicle, or you are using or have used, your vehicle in a manner not recommended by the manufacturer, including but not limited to: the failure of any custom or add-on part, all frame or suspension modifications, lift kits, if any tire that is not recommended by the original manufacturer creates an odometer/speedometer variance of greater than 4%, trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.

Non-Working Odometer

If your odometer has ceased to operate and odometer repairs have not been made within a reasonable amount of time; or the odometer has been altered in any way by you or known to you subsequent to purchase of your Toco plan; or if vehicle’s true mileage cannot be determined.

Salvaged, Rebuilt, Grey Market or otherwise Non-Normal Title
If your vehicle has ever been a total loss, salvaged, rebuilt, is a grey market or similarly titled vehicle.

Property Damage, Injury or Death

For any liability for property damage, or for injury to or death of any person arising out of the operation, maintenance or use of your vehicle described in this contract, whether or not related to the parts covered. For loss of use, time, profit, inconvenience, or any other consequential loss, including any consequential damage to a non-covered part that results from a breakdown.

Repairs Covered by a Separate Insurance or Warranty Contract

When the responsibility for the repair is covered by an insurance policy, manufacturer and/or dealer customer assistance program, or any warranty from the manufacturer, such as extended drivetrain, major component, full or certified coverage warranties (regardless of the remaining manufacturer’s warranty when you purchased this contract), or a repairer’s guarantee/warranty (regardless of the manufacturer’s or repairer’s ability to pay for such repairs). Coverage under this contract is similarly limited in the event of a breakdown if the manufacturer has announced its responsibility through any means, including public recalls and factory service bulletins.

Commercial or Unauthorized Uses of the Vehicle: Taxi, Limousine, Towing, Racing and More

If your vehicle is used for towing (unless your vehicle is equipped with a factory installed or factory authorized tow package), or is used as a Commercial unit unless an appropriate surcharge is marked on the Registration Page and only as defined under “Definitions”, “Commercial Use”, or is used for rental, taxi, limousine or shuttle, snow removal, towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency service, principally off-road use, prearranged or organized racing or competitive driving.

Breakdowns Outside of Covered Territory (We cover you anywhere in the US & Canada)

We cannot cover breakdowns or repairs that occur outside of the United States of America and Canada.

Excessive Diagnostic or Teardown Procedures

For diagnostic and/or teardown procedures that are not listed, or are in excess of the times listed in the current year’s national flat rate hourly guide in conjunction with a covered repair.

Transparency and Honesty are Top Priorities at Toco

If you have any questions about the details of our plans, please reach out to one of our friendly team members at (800) 217-1298