Luxury Cars
High-end electronics, air suspension, and precision powertrains deserve coverage that matches their repair costs.
Learn MoreExtend peace of mind beyond the factory guarantee. Compare powertrain, bumper-to-bumper, and high-tech coverage designed around how you actually drive.
Years of Protecting Drivers On The Road
Factory coverage eventually ends, yet major components can fail years later. Steve Germain Automotive builds vehicle protection plans that pay toward eligible mechanical and electrical repairs at independent and dealer service centers. Every contract is written in plain language so you know what is covered, what is excluded, and how to start a claim.
Plans that follow sensors, control modules, turbochargers, and hybrid systems found on newer vehicles.
Take your vehicle to a licensed facility. We coordinate authorization so work can start without delay.
Claims advisors explain next steps, review estimates, and keep you informed until the repair is complete.
Sedans, SUVs, trucks, performance cars, and select hybrids can all be quoted for protection.
Vehicles Protected
Repair Partners
Happy Policyholders
Years Of Expertise
High-end electronics, air suspension, and precision powertrains deserve coverage that matches their repair costs.
Learn MoreTransfer cases, four-wheel-drive hardware, and towing wear are common claim drivers we plan for.
Learn MorePerformance engines and dual-clutch gearboxes can be protected with the right inspection and plan tier.
Learn MoreDaily commuters and crossovers get straightforward bumper-to-bumper or powertrain options.
Learn MoreFrom core engine protection to full-vehicle coverage, each plan lists covered parts, claim steps, and optional extras such as roadside assistance.
Send us an email and a coverage advisor will walk through your vehicle and budget.
Our desk is staffed by people who have reviewed thousands of repair orders. They know which failures are typically covered, which documents shops must send, and how to keep a claim moving.
Most complete files receive an authorization decision quickly so the technician can order parts.
We compare the diagnosis against the contract so you are not paying for excluded wear items by surprise.
Advisors stay current on hybrid batteries, dual-clutch units, and manufacturer service bulletins.
Axles, differentials, transfer cases
Modules, sensors, ignition systems
Pumps, radiators, thermostats
Climate, selected convenience items
Vehicle protection is a contract, not a vague promise. These questions cover eligibility, claims, and how our plans sit alongside remaining factory coverage.
Share your vehicle year, make, model, and mileage. We will reply with plan options and a clear list of covered assemblies.
Get In TouchThe best window is before the factory powertrain or bumper-to-bumper period expires, or as soon as you purchase a used vehicle. Enrolling while the car is mechanically sound usually means more plan choices and fewer waiting periods.
No. Oil changes, filters, brake pads, and similar wear items remain your responsibility unless an optional maintenance rider is purchased. Keeping service records actually helps protect your claim if a covered part fails.
Yes, provided the facility is licensed and can provide a written diagnosis, labor hours, and parts list. We review the estimate against your contract and authorize eligible work directly with the shop in most cases.
You can still request a quote. Some customers layer an extended plan so coverage begins when the manufacturer period ends. We will not duplicate benefits the factory is already required to provide.
Ask the service advisor to contact our claims desk with the diagnosis before teardown when possible. You can also email us from the contact page with the estimate attached. We confirm eligibility and issue an authorization number.
“The transmission quote would have wiped our savings. Steve Germain walked the shop through the authorization and we only paid the deductible.â€
“Clear contract, no pressure during enrollment. When the AC compressor failed in summer, the claim was approved the same afternoon.â€
“We cover a small delivery fleet. Reporting and claims notes make it easy to see which vans are protected and what was paid.â€
