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Common Questions

Get simple, straightforward answers to common questions and explanations of unfamiliar terms.

Note that unless an answer states otherwise, we'll use "contract" in these answers to refer to both Vehicle Service Contracts and insurance contracts called MBI, which we offer in California. The information provided below is for summary purposes only, and is subject to the contract terms and conditions that are issued to you. Additional state specific requirements may apply. See Your Terms and Conditions for complete details.

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  • +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 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.
  • +What is “MBI” or Mechanical Breakdown Insurance (the coverage offered by Toco in California)?
  • Toco offers mechanical breakdown insurance (MBI) to California residents. While it's similar to a vehicle service contract in that it covers certain repair costs for your vehicle, MBI is actually an insurance product.
  • +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 or MBI policy.
  • +Modern Features Package
  • 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 on our Orange and Yellow plans.
  • +Technology Package
  • 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 on our Orange and Yellow vehicle service contracts.
  • +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.
  • +Do You Cover Trucks with Towing Packages?
  • In general, 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. The Mechanical Breakdown Insurance, offered in California, provides listed-parts coverage.
  • +Electronic High Tech
  • 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 on our Orange and Yellow plans.
  • +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.
  • +Can I Transfer Coverage If I Sell My Car?
  • Yes! Your Toco vehicle service contract can be transferred to another individual if you sell or otherwise transfer your vehicle while the coverage is still in force; however, specific documentation must be submitted to the Administrator within 30 days of the change of ownership and a $75 transfer fee will apply ($40 for Florida residents and no fee applies for New Hampshire residents). See your Terms and Conditions for more details. For California customers: MBI policies may not be transferred without the insurance provider’s written consent.
  • +How Long Does a Toco Contract Last?
  • Toco contracts generally have three year terms, but also have a set mileage limit. The contract expires either at the end of the stated year term or when your car reaches the stated mileage limit, whichever happens first. However, you don't have to pre-pay your entire contract up front, and you only pay a set amount for each month of coverage. You can cancel your contract at any time, but cancellation fees may apply.
  • +Is There a Waiting Period?
  • Yes, all Toco plans have a mandatory waiting period before coverage takes effect. The waiting period for most plans is 30 days and 1,000 miles from your purchase date. The waiting period for your plan will depend on your driving habits. See the registration page of your vehicle service contract to find your specific waiting period. For California customers, see information regarding the Effective Date on the declarations page of your MBI policy.
  • +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.
  • +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.
  • +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.
  • +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 or, for California customers, on the declarations page of your MBI policy. If a deductible isn't noted on your registration/declarations page, your deductible is $100. For California customers, the deductible will always be noted on the declaration’s page of your MBI policy.
  • +Licensed Repair Facility
  • Toco coverage can be used at any state-licensed repair facility or mechanic.
  • +MBI Policy Purchase Date
  • Your waiting period and plan expiration are measured in time from your policy purchase date. You can find your policy purchase date on the declarations page of your mechanical breakdown insurance policy. Your waiting period ends on the effective date, which is also listed on the declarations page.
  • +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.
  • +Schedule of Coverages
  • The schedule of coverages section of your vehicle service contract or MBI policy 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.
  • +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 cost of the teardown. See your contract for full inspection and teardown policy.
  • +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.
  • +Do I Have to Buy a Vehicle Service Contract when Buying a Car or Getting a Car Loan?
  • In general, you aren't required to purchase a vehicle service contract when buying a car or getting financing.
  • +Is There a Deductible?
  • Yes. The deductible amount will be listed on the registration page of your vehicle service contract (or, for California customers, the declarations page of your MBI policy). Once a part is repaired or replaced under the terms of your contract, and your initial deductible is paid, you won't be required to pay a deductible for any future repairs to that part. For vehicle service contracts, if a breakdown takes more than one visit to repair, only one deductible will apply for that breakdown. For vehicle service contracts covering used vehicles, fifty dollars ($50) of the deductible will be waived for repairs made at a Preferred Repair Facility.
  • +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).
  • +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 or the declarations page of your MBI policy for full administrator details
  • +Contract Purchase Date
  • 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.
  • +Customer MBI Policy Number
  • You can find your 10-digit customer policy number on the declarations page of your mechanical breakdown insurance policy. Save time by having this number handy when contacting a representative.
  • +Exclusions
  • The exclusions section of your vehicle service contract or MBI policy is where you'll find a list of parts and services that are not covered by your plan.
  • +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 or MBI policy for specific limits.
  • +Plan Letter
  • Your Plan Letter is the alphabetical letter designating the type of roadside assistance plan that’s included with your vehicle service contract. Currently the plan letter for all Toco plans is “B”. The assisting company will ask for your plan letter when you take advantage of our 24-hour roadside assistance. For roadside assistance services, call 1-866-751-3076 and have your producer code (65448), vehicle service contract number and plan letter on hand. Roadside assistance services aren’t included in Toco MBI policies.
  • +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 or MBI policy for a full description of maintenance requirements. Failure to provide receipts may result in your claim being denied.
  • +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. MBI policies do NOT cover subsequent damage.
  • +Territory
  • 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.
  • +Wear and Tear
  • 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 and MBI 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 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 have them call (800) 616-1215 (California customers: provide your MBI policy number and have them 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.
  • +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.
  • +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. MBI plans, offered in California, do not include 24-hour roadside assistance, but do provide additional coverages such as towing, car rental, and trip interruption reimbursement (exclusions and limitations apply).
  • +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. MBI plans do not include this benefit. Original receipt must be mailed to provider in order to qualify for rebate. See terms and conditions for full discount details.
  • +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. Reimbursement for MBI customers is $125/day for a max of three days. See terms and conditions for full details.
  • +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. MBI plans offered in California don’t include 24-hour roadside assistance, but do provide additional coverages such as towing, car rental and trip interruption reimbursement (exclusions and limitations apply). One service is available per 72 hour period. For the fuel-delivery service, the cost of the fuel is not covered.
  • +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 $35 for every four labor hours required to complete the repair. Max of $175 for each repair visit. MBI plans don’t pay rental expenses directly, but will reimburse qualifying rental costs up to $50 per day ($250 max for each repair visit). See terms and conditions for full details.
  • +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.
  • +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.
  • +What Are My Payment Options?
  • Toco accepts Mastercard, Visa, American Express and Discover credit or debit cards.
  • +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.
  • +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 turbo charger.
  • +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.
  • +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.
  • +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.
  • +Odometer
  • 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.
  • +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.”
  • +Towing
  • 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.
  • +How Much Do Toco Plans Cost?
  • The cost of a Toco vehicle service contract (or in California, an MBI policy) 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.
  • +Commercial Use
  • Commercial use means that your vehicle is used for commercial purposes, including farming, ranching, rental, taxi, limousine or shuttle, 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 (or, in the case of MBI, you purchase the optional Business Use Coverage).
  • +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.
  • +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.
  • +Listed-Parts Coverage
  • 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. The Mechanical Breakdown Insurance offered in California provides listed-parts coverage. Note that Toco plans with listed-parts coverage also include an exclusions section, which lists parts and services not covered by the plan.
  • +Rebuilt Title
  • 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.
  • +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.
  • +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.
  • +A.M. Best
  • A.M. Best is a credit rating organization that reviews the financial strength and creditworthiness of insurance companies. Toco vehicle service contracts are backed by Wesco Insurance Company, an AmTrust Financial Company, rated “A” (Excellent) Financial Size XIII by A.M. Best. A.M. Best is not affiliated with Toco Warranty Corp. and has not endorsed Toco Warranty products and services
  • +Mechanical Breakdown Insurance
  • Mechanical breakdown insurance (MBI) is a form of repair coverage that Toco offers to California residents. While it's similar to a vehicle service contract in that it covers certain repair costs for your vehicle, MBI is actually an insurance product.
  • +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.
  • +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.
  • +Pay-as-you-Go
  • With Toco, you don't have to pay the total cost of your vehicle service contract or MBI policy up front. 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.
  • +Vertically Integrated
  • Being vertically integrated means that we or our Amtrust affiliates handle every part of the vehicle service contract and MBI 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.
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