If you're a vehicle owner, you know what it's like to face an unexpected repair. Sometimes the cost just to keep your car on the road is enough to put a serious dent in your bank account.
Our month-to-month subscription plan provides assurance that the cost of major repairs will be covered and you’ll be back on the road in no time.
Extended Ownership Costs
On average, the longer vehicle ownership is, the higher the probability of higher costs. The pandemic has shifted consumer habits, affecting 1.2 million people who decided to keep their cars longer, increasing their spending on maintenance and repairs.
Average Car Maintenance Costs
The average car owner spends $500-$700 per year on maintenance and occasional repair needs, though costs can vary significantly: a five-year-old car could cost around $1,000 annually.
Car repair costs are up almost 20%
According to the consumer price index — in the past year prices rose more than six times the national inflation rate and among the largest annual price increases of any household good or service.
The vehicle benefit plan that saves you $ every day
Get instant access to certified mechanics by phone for expert advice on warning lights, repair estimates, and strange noises—helping you avoid costs and make smarter repair decisions.
If your insurance company charges a deductible for autoglass chip or replacement repairs, Toco will reimburse up to $100 annually towards the deductible.
Toco will reimburse you for towing, lockout, fuel delivery, and more.
When your vehicle is in the shop for repairs, submit your receipt for up to 2 days of rental coverage reimbursement.
Toco Rewards provide unique discounts on dining, shopping, and travel rewards you can spend in 500,000+ ways, plus gift cards, daily deals, and MORE!
A simple way to securely store all your service receipts in one place—so you’ll never lose track again.
If you have a vehicle breakdown over 100 miles from home, we will reimburse you for grocery and hotel costs.
Earn 250 reward points for every friend or family member that signs up and becomes a member.
Get exclusive access to Openbay+, a nationwide network of repair shops that makes it easy to compare pricing, book appointments, and save on vehicle repair and maintenance.
Toco’s award-winning Concierge team will help you navigate the complexities of vehicle repairs, offering support and guidance.
RoadHero delivers over $2,000 in annual value and is included in all vehicle service policies or available on it's own for only $9.95 per month/vehicle.
Click here to view terms
Annual limit of liability is $5,000 and up to two claims per year. The vehicle must be under 15 years old and 150,000 miles at the time of enrollment. 60 day and 1,000 mile waiting period. Click here to check if your vehicle is eligible for coverage.
| Powertrain | Plus | Premium | |
|---|---|---|---|
RoadHero  |
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| Engine | |||
| Transmission | |||
| Drive Axle | |||
| 4x4 Transfer Case | |||
| Cooling System | |||
| Air Conditioning | |||
| Electrical | |||
| Brakes | |||
| Suspension | |||
| Non-Powertrain Parts |
WATER PUMP, FUEL PUMP & ALTERNATOR |
INCLUDED WITHIN OTHER LISTED SYSTEMS |
INCLUDED WITHIN OTHER LISTED SYSTEMS |
| Roadside Reimbursement ($125/occurence) |
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| Car Rental or Rideshare Reimbursement ($120/repair) | |||
| Weekly Rate $200 Deductible |
$14.99 | $14.99 | $24.99 |
| Bi-weekly Rate $200 Deductible |
$29.98 | $29.98 | $49.98 |
 Download Powertrain Plan Sample Contract
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Download Plus Plan Sample Contract
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Download Premium Plan Sample Contract
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Toco vehicle service contracts not available in CA, MA, MO and WA; see website for more details. |
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When your vehicle breaks down, reach out to our award-winning Customer Care team, and we’ll take it from there.
Toco will tow your vehicle to the mechanic of your choice, or provide jump-starts, locksmith help, tire changes, and fuel delivery.
While your vehicle is being repaired, Toco will reimburse you for a rental or rideshare car. Once repairs are complete, we pay the shop directly.
For more information about Toco’s comprehensive vehicle repair protection, top-notch concierge services, reliable roadside assistance, and hassle-free repair coverage, contact Toco at Work at (800) 226-7147.
