What is a Manufacturer’s Warranty?

Most new cars are sold with a manufacturer’s warranty which offers comprehensive coverage that is capped at both a certain age and mileage of a vehicle, for example, three years or 36,000 miles — whichever comes first. This is often referred to as a bumper-to-bumper warranty, and is NOT a vehicle service contract.

What Does “Pay-As-You-Go” Mean?

With Toco, you don’t have to pay the total cost of your vehicle service contract upfront. You only pay a set portion of the total amount each month, and you can terminate the contract at any time. A cancellation fee may apply.

What is a Powertrain Warranty?

While a powertrain warranty can remain in effect for several years, it’s limited to coverage on critical components of your car, such as the engine and transmission. A vehicle service contract can help supplement this coverage.

What Does “Vertically Integrated” Mean?

Being vertically integrated means that we handle every part of the vehicle service contract process, from sales and claims handling to underwriting. By cutting out the middleman, we’re able to offer a great product at an affordable price.

How Do I Find My Vehicle Identification Number (VIN)?

The most common place to find your VIN is on the driver’s side dashboard near the windshield, although it can sometimes be found on a sticker on the inside of your door. Depending on your state, you may also be able to find it on your vehicle title, registration card or insurance documents.

How Much Do Toco Plans Cost?

The cost of a Toco vehicle service contract will depend on a number of factors, including the make, model, year, and mileage of your car, as well as how many miles you drive each month.

Why Do You Need My VIN?

In order to provide you with an accurate quote and issue you a contract, we need your vehicle identification number (VIN) to verify the make and model of your vehicle, as well as additional information, such as whether it has four-wheel drive or a turbocharger.

What Does “Commercial Use” Mean?

Commercial use means that your vehicle is used for commercial purposes, including farming, ranching, rental, taxi, limousine or shuttle, rideshare (including Uber and Lyft), snow removal, towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency services, principally off-road use, or prearranged or organized racing or competitive driving. If you use your vehicle commercially, it can’t be covered by a Toco plan, unless you pay a surcharge.

What is an Estimated Quote?

This is the estimated monthly price of your plan based on the information you’ve provided so far. To view a final quote, please enter your VIN and vehicle mileage.

What is “Exclusionary Coverage”?

Exclusionary coverage (or an exclusionary policy) is one that lists everything that’s NOT covered by the policy. Any mechanical component that ISN’T listed in the Exclusions section of your contract or policy should be covered.

What Does “Listed-Parts Coverage” Mean?

Listed-parts coverage, like the name implies, lists every part that IS covered under your policy. If a part isn’t listed specifically in your contract, it isn’t covered. Note that Toco plans with listed-parts coverage also include an exclusions section, which lists parts and services not covered by the plan.

What is a “Fifth Wheel Trailer Hitch”?

A fifth wheel trailer hitch is a piece of towing equipment positioned in the bed of a pickup truck that allows it to carry a large trailer. In general, Toco can provide coverage for trucks with a factory-authorized or factory-installed fifth wheel hitch.

What is a “Gooseneck Trailer Hitch”?

Similar to a fifth wheel trailer hitch, a gooseneck trailer hitch is a piece of towing equipment positioned in the bed of a pickup truck that allows it to carry a large trailer. The difference is that the gooseneck hitch uses a ball and coupler instead of a kingpin and pin receiver. In general, Toco provides coverage for trucks with a factory-authorized gooseneck trailer hitch.

What is a “Gray Market Vehicle”?

A gray market vehicle is one that was manufactured outside the United States and imported through a channel other than the original manufacturer’s distributor. Unfortunately, Toco plans don’t cover gray market vehicles.

What is an “Odometer” and Why is It Important for Toco Plans?

Your odometer is an instrument on the dashboard of your car that tracks how many miles your car has been driven. To be covered under a Toco plan, your odometer needs to be working properly and can’t have been altered in any way prior to buying your contract. If your odometer breaks while under contract, repairs must be made immediately.

What Does a “Rebuilt Title” Mean?

A rebuilt title can be given to a car that has a salvage title if it’s been properly fixed and inspected to the satisfaction of the state agency that issued the original title. Unfortunately, Toco plans don’t cover cars with a rebuilt title.

What is a “Salvage Title”?

A salvage title is given to a damaged vehicle when it is considered a total loss by an insurance company, meaning it will cost more to repair than the car is worth. Unfortunately, Toco plans don’t cover vehicles that have a salvage title or a similar total-loss title label, such as “flood” or “rebuilt.”

What is a “Total Loss”?

A car becomes a total loss when an insurance company declares that the cost to repair the vehicle exceeds the value of the car itself.

What Does “Towing” Cover Under Toco Plans?

Heavy towing refers to the use of a fifth wheel or gooseneck trailer for towing purposes. If your towing package is factory-installed or authorized, there’s no surcharge for heavy towing.

What is a Vehicle Identification Number (VIN), and Where Can I Find It?

The most common place to find your VIN is on the driver’s side dashboard near the windshield, although it can sometimes be found on a sticker on the inside of your door. Depending on your state, you may also be able to find it on your vehicle title, registration card or insurance documents.

How Do I Change My Payment Method?

Log in to your Toco account and go to the Payment Methods tab. There you can add, edit or change your primary payment method. You can also call 1-855-298-8626 to speak to a representative directly to change your payment method.

What Are My Payment Options?

Toco accepts Mastercard, Visa, American Express, and Discover credit or debit cards.

Where Can I Find My Security Code?

Your security code is the last three digits on the back of your card. If you’re using American Express, you’ll find the four-digit code on the front of your card above your card number.

Do All Plans Have 24-Hour Roadside Assistance?

All Toco vehicle service contracts include 24 hour roadside assistance. See your terms and conditions for complete details.

What is 24-Hour Roadside Assistance?

All Toco vehicle service contracts come with 24-hour roadside assistance. This includes towing up to 15 miles, battery jump start, flat tire changes, locksmith and fuel delivery. One service is available per 72-hour period. For the fuel-delivery service, the cost of the fuel is not covered.

What Are the Hotel & Motel Discounts?

As an added benefit, Toco vehicle service contract customers can also get a 5% cash back rebate on their hotel bill when booking a hotel through our partners. Original receipt must be mailed to provider in order to qualify for rebate. See terms and conditions for full discount details.

What is the Rental Car Benefit?

If you have a covered breakdown, our plan will pay or reimburse you for car rental (or other transportation) expenses up to $40 for every four labor hours required to complete the repair. Max of $200 for each repair visit. See terms and conditions for full details.

What is the Trip Interruption Benefit?

If you have a covered breakdown more than 100 miles from your home and your car needs to stay in the shop overnight, our plan will reimburse your hotel and restaurant expenses up to $100/day for a max of three days. Receipts for hotel and restaurant expenses are required.

Can I Use My Toco Coverage with Any Mechanic?

Yes! You can use any mechanic, including your dealership, as long as they’re a state-licensed repair facility.

How Are Claims Paid?

When your car breaks down, just bring it to your favorite licensed mechanic or repair shop. After paying your deductible, the plan will pay the bill for listed covered repairs directly to the shop. Please note that the administrator may ask for maintenance receipts or to inspect the vehicle at the time of the claim.

How Do I File a Claim?

Simply take your vehicle to your favorite licensed mechanic, repair shop or dealership, provide them with your customer contract number and ask them to call in the repair. If your contract begins with 911 call (800) 616-1215. If your contract begins with 111 call (800) 262-1386. If your contract begins with MB call (877) 647-9752. Once you’ve paid your deductible to Toco, the plan will pay the repair facility directly for any listed covered repairs. Please note that the administrator may ask for maintenance receipts or to inspect the vehicle at the time of the claim.

Why is There a Waiting Period?

The mandatory waiting period is in place to help assure us that your car is in working order before coverage takes effect. Toco plans do not cover pre-existing conditions (conditions that arise prior to contract purchase or during the waiting period).

What Qualifies as a Breakdown?

A breakdown is the failure of a covered part under normal use, and not as a result of normal wear and tear or damage caused by a non-covered part. Damages resulting from a breakdown are covered, unless you’ve failed to perform recommended maintenance services.

Who is the Claims Administrator?

The claims administrator is the company that handles your claim and pays the repair facility for work performed on your car. See the registration page of your vehicle service contract for full administrator details.

What is Consequential Damage?

Consequential damage refers to damage that happens separately as a result of a failure of a covered or non-covered part, such as personal injury or property damage. Consequential damage to non-covered parts are excluded from coverage in Toco plans.

How is the Contract Purchase Date Used?

Your waiting period and plan expiration are measured in time from your contract purchase date. You can find your contract purchase date on the registration page of your vehicle service contract.

Where Can I Find My Customer Contract Number?

You can find your 10-digit customer contract number on the registration page of your vehicle service contract. Save time by having this number handy when contacting a representative.

What Are the Limits of Liability?

Limits of liability refer to the maximum amount of money that the plan administrator will pay per repair visit, or pay in total over the course of the contract. See your vehicle service contract for specific limits.

What is a Deductible?

Your deductible is the amount you’re required to pay for a covered breakdown. You can find your deductible on the registration page of your vehicle service contract. If a deductible isn’t noted on your registration/declarations page, your deductible is $100.

What Are Exclusions?

The exclusions section of your vehicle service contract is where you’ll find a list of parts and services that are not covered by your plan.

What Qualifies as a Licensed Repair Facility?

Toco coverage can be used at any state-licensed repair facility or mechanic.

What is a Certificate of Appreciation?

Toco may issue a Certificate of Appreciation that allows customers to submit claims during the waiting period. For more information ask your sales agent to visit your customer portal.

What is a Preferred Repair Facility?

A preferred repair facility is one that’s been selected and assigned by the administrator of Toco’s plans to provide quality service. In some cases, your deductible may be waived (or reduced) if you choose a preferred repair facility. Contact us for help finding a preferred repair facility in your area. Preferred repair facilities aren’t available in all areas.

Is Routine Vehicle Maintenance Required?

Yes. In order for claims to be considered, you’ll need to follow the vehicle’s manufacturer’s recommended maintenance schedule, as well as keep a copy of all maintenance receipts. See your vehicle service contract for a full description of maintenance requirements. Failure to provide receipts may result in your claim being denied.

What is the Schedule of Coverages?

The schedule of coverages section of your vehicle service contract is where you’ll find a list of parts and services that are covered by your plan. Some plans include a schedule of coverages while others only reference a list of exclusions.

What is Subsequent Damage?

Subsequent damage is when a non-covered part is damaged by the failure of a covered part. Subsequent damage resulting from the breakdown of a covered part are covered by the Toco plans contract, except when you haven’t performed recommended maintenance.

What is a Teardown?

A teardown is when a mechanic has to disassemble part of your vehicle in order to determine the cause and extent of a failure. If the failed part isn’t covered under your contract, you’ll be responsible for the cost of the teardown. See your contract for full inspection and teardown policy.

What is the Territory Covered by Toco Plans?

The geographical area in which Toco plans may be used. Toco plans only cover breakdowns that happen and repairs made within the United States of America and Canada.

What is the Waiting Period?

The waiting period refers to the amount of time elapsed, and mileage driven, from the contract purchase date before coverage takes effect. All Toco plans have a mandatory waiting period.

What Does Wear and Tear Mean?

Wear and tear refers to damage that happens as a result of normal use and aging, and not as a result of a breakdown. Toco vehicle service contracts don’t cover damage due to normal wear and tear.

Are Aftermarket Components Covered?

No. Only factory-installed components are eligible for coverage. Aftermarket components such as oversized tires, engine chips, or aftermarket exhaust systems aren’t covered. Also, modifications to factory-installed components may mean they are not covered by the plan.

Are All Repairs to My Vehicle Covered?

No. To find out what your contract covers and what it doesn’t, review the Schedule of Coverages section and the Exclusions section of your contract. If you have any questions about what’s covered, call us at 1-855-298-8626, and a Customer Care Specialist will be happy to help answer your questions.

Are Seals and Gaskets Covered?

Seals and gaskets are only covered in conjunction with covered repairs. Leaking seals or gaskets aren’t covered by themselves. Seepage from seals and gaskets is considered normal wear and tear and isn’t covered under the Toco plans.

Do You Cover Trucks with Towing Packages?

In general, only towing packages that are factory-installed or factory-authorized, such as 5th wheels or goosenecks, are eligible for coverage. See terms and conditions for any exclusions that may apply to towing packages.

What’s the Difference Between Exclusionary Coverage and Listed-Parts Coverage?

A contract that provides exclusionary coverage will list everything that’s NOT covered by the contract, while a contract that provides listed-parts coverage will list everything that IS covered by the contract.

What Are ‘Aftermarket Components’?

An aftermarket component is any vehicle part or accessory that’s installed after the initial sale of the vehicle. Check with Toco before installing any aftermarket components to make sure you don’t void your service contract.

What Are 'Electronic High Tech' Items?

Electronic high tech refers to the following components: suspension level control compressor; height sensor and limiter valve; pneumatic suspension pump, sensors and valves; spark control detonation sensors, anti-detonation sensors; ignition module; knock sensor; vehicle manufacturer installed combination entry system. Seals and gaskets are only covered when required in connection with the replacement of a covered part. This option is only available if your mileage falls below 150k miles at the time of submitted claim.

What Does the Modern Features Package Cover?

Our modern features package covers the following original factory installed components: park assist and components, backup camera, Bluetooth, blind spot sensors, trunk liftgate sensors, lane departure warnings, correctors (driver assistance features). This option is only available if your mileage falls below 150k miles at the time of submitted claim.

What is a Pre-Existing Condition?

Pre-existing conditions are mechanical problem that happened before your Toco coverage took effect. These can include issues that occurred prior to purchase or during the waiting period. Toco plans don’t cover these types of repairs.

What Does the Technology Package Include?

Our technology package covers the following original factory installed components: AM/FM radio/cassette/CD players (not to exceed $3000 repair/replacement cost), graphic equalizer, audio/video equipment, all touch screen and/or voice activated accessories including related display screens and heads up displays on windshields, electronic transmitting/receiving devices, global positioning systems, voice recognition systems. This option is only available if your mileage falls below 150k miles at the time of submitted claim.

Are All Repairs to My Vehicle Covered?

Coverage depends on mileage at the time of the claim. To find out what your contract covers and what it doesn’t, review the Schedule of Coverages section and the Exclusions section of your contract. If you have any questions about what’s covered, call us at 1-855-298-8626, and a Customer Care Specialist will be happy to help answer your questions.

What’s the Difference Between Exclusionary Coverage and Listed-Parts Coverage?

A contract that provides exclusionary coverage will list everything that’s NOT covered by the contract, while a contract that provides listed-parts coverage will list everything that IS covered by the contract.

Why is There a Waiting Period?

The mandatory waiting period is in place to help assure us that your car is in working order before coverage takes effect. Toco plans do not cover pre-existing conditions (conditions that arise prior to contract purchase or during the waiting period).

How Much Do Toco Plans Cost?

The cost of a Toco vehicle service contract will depend on a number of factors, including the make, model, year and mileage of your car, as well as how many miles you drive each month.

Are Aftermarket Components Covered?

No. Only factory-installed components are eligible for coverage. Aftermarket components such as oversized tires, engine chips, or aftermarket exhaust systems aren’t covered. Also, modifications to factory-installed components may mean they are not covered by the plan.

Are All Repairs to My Vehicle Covered?

No. To find out what your contract covers and what it doesn’t, review the Schedule of Coverages section and the Exclusions section of your contract. If you have any questions about what’s covered, call us at 1-855-298-8626, and a Customer Care Specialist will be happy to help answer your questions.

Are Seals and Gaskets Covered?

Seals and gaskets are only covered in conjunction with covered repairs. Leaking seals or gaskets aren’t covered by themselves. Seepage from seals and gaskets is considered normal wear and tear and isn’t covered under the Toco plans.

Do You Cover Trucks with Towing Packages?

In general, only towing packages that are factory-installed or factory-authorized, such as 5th wheels or goosenecks, are eligible for coverage. See terms and conditions for any exclusions that may apply to towing packages.

What’s the Difference Between Exclusionary Coverage and Listed-Parts Coverage?

A contract that provides exclusionary coverage will list everything that’s NOT covered by the contract, while a contract that provides listed-parts coverage will list everything that IS covered by the contract.

What Are ‘Aftermarket Components’?

An aftermarket component is any vehicle part or accessory that’s installed after the initial sale of the vehicle. Check with Toco before installing any aftermarket components to make sure you don’t void your service contract.

What Are 'Electronic High Tech' Items?

Electronic high tech refers to the following components: suspension level control compressor; height sensor and limiter valve; pneumatic suspension pump, sensors and valves; spark control detonation sensors, anti-detonation sensors; ignition module; knock sensor; vehicle manufacturer installed combination entry system. Seals and gaskets are only covered when required in connection with the replacement of a covered part. This option is only available if your mileage falls below 150k miles at the time of submitted claim.

What Does the Modern Features Package Cover?

Our modern features package covers the following original factory installed components: park assist and components, backup camera, Bluetooth, blind spot sensors, trunk liftgate sensors, lane departure warnings, correctors (driver assistance features). This option is only available if your mileage falls below 150k miles at the time of submitted claim.

What is a Pre-Existing Condition?

Pre-existing conditions are mechanical problem that happened before your Toco coverage took effect. These can include issues that occurred prior to purchase or during the waiting period. Toco plans don’t cover these types of repairs.

What Does the Technology Package Include?

Our technology package covers the following original factory installed components: AM/FM radio/cassette/CD players (not to exceed $3000 repair/replacement cost), graphic equalizer, audio/video equipment, all touch screen and/or voice activated accessories including related display screens and heads up displays on windshields, electronic transmitting/receiving devices, global positioning systems, voice recognition systems. This option is only available if your mileage falls below 150k miles at the time of submitted claim.

What Qualifies as a Breakdown?

A breakdown is the failure of a covered part under normal use, and not as a result of normal wear and tear or damage caused by a non-covered part. Damages resulting from a breakdown are covered, unless you’ve failed to perform recommended maintenance services.

Who is the Claims Administrator?

The claims administrator is the company that handles your claim and pays the repair facility for work performed on your car. See the registration page of your vehicle service contract for full administrator details.

What is Consequential Damage?

Consequential damage refers to damage that happens separately as a result of a failure of a covered or non-covered part, such as personal injury or property damage. Consequential damage to non-covered parts are excluded from coverage in Toco plans.

How is the Contract Purchase Date Used?

Your waiting period and plan expiration are measured in time from your contract purchase date. You can find your contract purchase date on the registration page of your vehicle service contract.

Where Can I Find My Customer Contract Number?

You can find your 10-digit customer contract number on the registration page of your vehicle service contract. Save time by having this number handy when contacting a representative.

What Are the Limits of Liability?

Limits of liability refer to the maximum amount of money that the plan administrator will pay per repair visit, or pay in total over the course of the contract. See your vehicle service contract for specific limits.

What is a Deductible?

Your deductible is the amount you’re required to pay for a covered breakdown. You can find your deductible on the registration page of your vehicle service contract. If a deductible isn’t noted on your registration/declarations page, your deductible is $100.

What Are Exclusions?

The exclusions section of your vehicle service contract is where you’ll find a list of parts and services that are not covered by your plan.

What Qualifies as a Licensed Repair Facility?

Toco coverage can be used at any state-licensed repair facility or mechanic.

What is a Certificate of Appreciation?

Toco may issue a Certificate of Appreciation that allows customers to submit claims during the waiting period. For more information ask your sales agent to visit your customer portal.

What is a Preferred Repair Facility?

A preferred repair facility is one that’s been selected and assigned by the administrator of Toco’s plans to provide quality service. In some cases, your deductible may be waived (or reduced) if you choose a preferred repair facility. Contact us for help finding a preferred repair facility in your area. Preferred repair facilities aren’t available in all areas.

Is Routine Vehicle Maintenance Required?

Yes. In order for claims to be considered, you’ll need to follow the vehicle’s manufacturer’s recommended maintenance schedule, as well as keep a copy of all maintenance receipts. See your vehicle service contract for a full description of maintenance requirements. Failure to provide receipts may result in your claim being denied.

What is the Schedule of Coverages?

The schedule of coverages section of your vehicle service contract is where you’ll find a list of parts and services that are covered by your plan. Some plans include a schedule of coverages while others only reference a list of exclusions.

What is Subsequent Damage?

Subsequent damage is when a non-covered part is damaged by the failure of a covered part. Subsequent damage resulting from the breakdown of a covered part are covered by the Toco plans contract, except when you haven’t performed recommended maintenance.

What is a Teardown?

A teardown is when a mechanic has to disassemble part of your vehicle in order to determine the cause and extent of a failure. If the failed part isn’t covered under your contract, you’ll be responsible for the cost of the teardown. See your contract for full inspection and teardown policy.

What is the Territory Covered by Toco Plans?

The geographical area in which Toco plans may be used. Toco plans only cover breakdowns that happen and repairs made within the United States of America and Canada.

What is the Waiting Period?

The waiting period refers to the amount of time elapsed, and mileage driven, from the contract purchase date before coverage takes effect. All Toco plans have a mandatory waiting period.

What Does Wear and Tear Mean?

Wear and tear refers to damage that happens as a result of normal use and aging, and not as a result of a breakdown. Toco vehicle service contracts don’t cover damage due to normal wear and tear.

Can I Use My Toco Coverage With Any Mechanic?

Yes! You can use any mechanic, including your dealership, as long as they’re a state-licensed repair facility.

How Are Claims Paid?

When your car breaks down, just bring it to your favorite licensed mechanic or repair shop. After paying your deductible, the plan will pay the bill for listed covered repairs directly to the shop. Please note that the administrator may ask for maintenance receipts or to inspect the vehicle at the time of the claim.

How Do I File a Claim?

Simply take your vehicle to your favorite licensed mechanic, repair shop or dealership, provide them with your customer contract number and ask them to call in the repair. If your contract begins with 911 call (800) 616-1215. If your contract begins with 111 call (800) 262-1386. If your contract begins with MB call (877) 647-9752. Once you’ve paid your deductible to Toco, the plan will pay the repair facility directly for any listed covered repairs. Please note that the administrator may ask for maintenance receipts or to inspect the vehicle at the time of the claim.

Do All Plans Have 24-Hour Roadside Assistance?

All Toco vehicle service contracts include 24 hour roadside assistance. See your terms and conditions for complete details.

What is 24-Hour Roadside Assistance?

All Toco vehicle service contracts come with 24-hour roadside assistance. This includes towing up to 15 miles, battery jump start, flat tire changes, locksmith and fuel delivery. One service is available per 72-hour period. For the fuel-delivery service, the cost of the fuel is not covered.

What Are the Hotel & Motel Discounts?

As an added benefit, Toco vehicle service contract customers can also get a 5% cash back rebate on their hotel bill when booking a hotel through our partners. Original receipt must be mailed to provider in order to qualify for rebate. See terms and conditions for full discount details.

What is the Rental Car Benefit?

If you have a covered breakdown, our plan will pay or reimburse you for car rental (or other transportation) expenses up to $40 for every four labor hours required to complete the repair. Max of $200 for each repair visit. See terms and conditions for full details.

What is the Trip Interruption Benefit?

If you have a covered breakdown more than 100 miles from your home and your car needs to stay in the shop overnight, our plan will reimburse your hotel and restaurant expenses up to $100/day for a max of three days. Receipts for hotel and restaurant expenses are required.

How Do I Change My Payment Method?

Log in to your Toco account and go to the Payment Methods tab. There you can add, edit or change your primary payment method. You can also call 1-855-298-8626 to speak to a representative directly to change your payment method.

What Are My Payment Options?

Toco accepts Mastercard, Visa, American Express, and Discover credit or debit cards.

Where Can I Find My Security Code?

Your security code is the last three digits on the back of your card. If you’re using American Express, you’ll find the four-digit code on the front of your card above your card number.

How Do I Find My Vehicle Identification Number (VIN)?

The most common place to find your VIN is on the driver’s side dashboard near the windshield, although it can sometimes be found on a sticker on the inside of your door. Depending on your state, you may also be able to find it on your vehicle title, registration card or insurance documents.

How Much Do Toco Plans Cost?

The cost of a Toco vehicle service contract will depend on a number of factors, including the make, model, year, and mileage of your car, as well as how many miles you drive each month.

Why Do You Need My VIN?

In order to provide you with an accurate quote and issue you a contract, we need your vehicle identification number (VIN) to verify the make and model of your vehicle, as well as additional information, such as whether it has four-wheel drive or a turbocharger.

What Does “Commercial Use” Mean?

Commercial use means that your vehicle is used for commercial purposes, including farming, ranching, rental, taxi, limousine or shuttle, rideshare (including Uber and Lyft), snow removal, towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency services, principally off-road use, or prearranged or organized racing or competitive driving. If you use your vehicle commercially, it can’t be covered by a Toco plan, unless you pay a surcharge.

What is an Estimated Quote?

This is the estimated monthly price of your plan based on the information you’ve provided so far. To view a final quote, please enter your VIN and vehicle mileage.

What is “Exclusionary Coverage”?

Exclusionary coverage (or an exclusionary policy) is one that lists everything that’s NOT covered by the policy. Any mechanical component that ISN’T listed in the Exclusions section of your contract or policy should be covered.

What Does “Listed-Parts Coverage” Mean?

Listed-parts coverage, like the name implies, lists every part that IS covered under your policy. If a part isn’t listed specifically in your contract, it isn’t covered. Note that Toco plans with listed-parts coverage also include an exclusions section, which lists parts and services not covered by the plan.

What is a “Fifth Wheel Trailer Hitch”?

A fifth wheel trailer hitch is a piece of towing equipment positioned in the bed of a pickup truck that allows it to carry a large trailer. In general, Toco can provide coverage for trucks with a factory-authorized or factory-installed fifth wheel hitch.

What is a “Gooseneck Trailer Hitch”?

Similar to a fifth wheel trailer hitch, a gooseneck trailer hitch is a piece of towing equipment positioned in the bed of a pickup truck that allows it to carry a large trailer. The difference is that the gooseneck hitch uses a ball and coupler instead of a kingpin and pin receiver. In general, Toco provides coverage for trucks with a factory-authorized gooseneck trailer hitch.

What is a “Gray Market Vehicle”?

A gray market vehicle is one that was manufactured outside the United States and imported through a channel other than the original manufacturer’s distributor. Unfortunately, Toco plans don’t cover gray market vehicles.

What is an “Odometer” and Why Is It Important for Toco Plans?

Your odometer is an instrument on the dashboard of your car that tracks how many miles your car has been driven. To be covered under a Toco plan, your odometer needs to be working properly and can’t have been altered in any way prior to buying your contract. If your odometer breaks while under contract, repairs must be made immediately.

What Does a “Rebuilt Title” Mean?

A rebuilt title can be given to a car that has a salvage title if it’s been properly fixed and inspected to the satisfaction of the state agency that issued the original title. Unfortunately, Toco plans don’t cover cars with a rebuilt title.

What is a “Salvage Title”?

A salvage title is given to a damaged vehicle when it is considered a total loss by an insurance company, meaning it will cost more to repair than the car is worth. Unfortunately, Toco plans don’t cover vehicles that have a salvage title or a similar total-loss title label, such as “flood” or “rebuilt.”

What is a “Total Loss”?

A car becomes a total loss when an insurance company declares that the cost to repair the vehicle exceeds the value of the car itself.

What Does “Towing” Cover Under Toco Plans?

Heavy towing refers to the use of a fifth wheel or gooseneck trailer for towing purposes. If your towing package is factory-installed or authorized, there’s no surcharge for heavy towing.

What is a Vehicle Identification Number (VIN), and Where Can I Find It?

The most common place to find your VIN is on the driver’s side dashboard near the windshield, although it can sometimes be found on a sticker on the inside of your door. Depending on your state, you may also be able to find it on your vehicle title, registration card or insurance documents.

What is a Manufacturer’s Warranty?

Most new cars are sold with a manufacturer’s warranty which offers comprehensive coverage that is capped at both a certain age and mileage of a vehicle, for example, three years or 36,000 miles — whichever comes first. This is often referred to as a bumper-to-bumper warranty, and is NOT a vehicle service contract.

What Does “Pay-As-You-Go” Mean?

With Toco, you don’t have to pay the total cost of your vehicle service contract upfront. You only pay a set portion of the total amount each month, and you can terminate the contract at any time. A cancellation fee may apply.

What is a Powertrain Warranty?

While a powertrain warranty can remain in effect for several years, it’s limited to coverage on critical components of your car, such as the engine and transmission. A vehicle service contract can help supplement this coverage.

What Does “Vertically Integrated” Mean?

Being vertically integrated means that we handle every part of the vehicle service contract process, from sales and claims handling to underwriting. By cutting out the middleman, we’re able to offer a great product at an affordable price.

Still have questions?

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Our award-winning customer service team is here to assist you.

Call us today 855.298.8626 or email us at info@tocowarranty.com