These Terms & Services govern access to stevegermainautomotive.com and any vehicle service contract, quote, or claims assistance offered by Steve Germain Automotive. Please read them carefully. By using the site or submitting a form you agree to this document. If you do not agree, do not use the site or request a plan.
Steve Germain Automotive markets mechanical breakdown protection and related administrative services. A vehicle service contract is not motor vehicle insurance, collision coverage, or a manufacturer warranty. It is a contract to pay or reimburse eligible repair costs for named components after a mechanical or electrical breakdown, subject to exclusions, deductibles, waiting periods, and limits printed in your individual agreement.
Nothing on this website is an offer to insure a vehicle against accident, theft, weather, or liability. Quotes generated from website forms are invitations to receive a personalized illustration, not a binder of coverage.
Coverage is available only for vehicles that meet underwriting guidelines at the time of enrollment. Guidelines may consider age, mileage, drivetrain, commercial use, modifications, salvage history, and unresolved warning lamps. We may request a pre-purchase or current-owner inspection, a scan-tool report, or service records. If those items are incomplete, we may decline, postpone, or limit a plan.
You are responsible for truthful information. Misstated mileage, concealed modifications, or an undisclosed check-engine lamp can void benefits even after a contract is issued. We may verify details with a shop or through publicly available vehicle-history tools.
Marketing pages describe typical benefits. Your signed or electronically accepted contract, declarations page, and covered-parts schedule control if there is any difference. Please keep those files. A shop will ask for them when a claim begins. Optional riders (roadside, rental, hybrid, high-tech) apply only if listed as purchased.
A waiting period measured in days, miles, or both may apply after the contract start date. Breakdowns that begin before coverage is effective, or that are evident from existing noise, leaks, or stored diagnostic codes, are pre-existing and are not payable. We may require evidence that the vehicle was mechanically sound at enrollment.
You must maintain the vehicle according to the manufacturer schedule using fluids and parts of proper specification. Keep invoices. If a failure is caused by lack of oil, coolant, or required service, the claim may be denied even if the failed part appears on the covered list. Aftermarket modifications that alter performance, emissions, or electronics can also void related assemblies.
You must obtain prior authorization except where the contract expressly allows after-hours emergency repairs. The licensed repair facility should diagnose the failure, not merely replace parts. We may request testing, photos, fluid samples, or teardown to confirm cause. Labor is paid at the rate and time guide stated in the contract, which may differ from a shop’s posted rate. You are responsible for the deductible, shop supplies if billed by the facility, and any work that is not covered.
We may recommend or require the use of new, remanufactured, or used parts of like kind and quality. Improved or upgraded parts beyond what is needed to restore covered function are your cost unless we agree in writing.
Unless a rider says otherwise, plans do not cover collision, theft, glass, upholstery, paint, rust, water intrusion, trim, exhaust hangers, brake friction materials, wiper blades, belts that are maintenance items, fuses, bulbs except as listed, alignment, wheel balancing, batteries on conventional vehicles except as listed, and damage from racing, off-contract commercial hauling, or continued operation after a warning. Consequential loss, rental beyond stated limits, and lost wages are excluded. Seals and gaskets may be covered only when required in conjunction with a covered repair, depending on the tier.
Each contract states an aggregate claims limit, a per-repair limit, or both. When the limit is reached, remaining term has no repair benefit. Cancellation and refund rules, including any administration fee, appear in the contract and may depend on whether a claim has been paid. Transfer to a private subsequent owner may be allowed if you notify us, the vehicle has been maintained, and a transfer fee is paid. Commercial resale lots are generally not eligible transferees.
You may view and share pages for personal, non-commercial research. You may not scrape, copy substantial portions for competing products, introduce malware, or attempt to probe the hosting environment. Content, logos, and layout are owned by Steve Germain Automotive or licensed to us. Form submissions must not contain unlawful, defamatory, or infringing material.
Illustrated prices on the site are examples. Final pricing is confirmed in a quote valid for the period stated in that email. We may withdraw a quote if the vehicle is sold, modified, or develops a fault before binding. Website articles are educational and are not legal, tax, or engineering advice. Always read the contract and, if needed, consult your own adviser.
By submitting a form you consent to receive service emails about your inquiry, plan, or claim. Marketing emails are sent only if you subscribe and can be stopped on the unsubscribe page. We do not require you to create a password account to request a quote.
To the fullest extent permitted by applicable law, Steve Germain Automotive is not liable for indirect, incidental, special, or consequential damages arising from website use, including lost profits or data. Our aggregate liability related to website use is limited to the greater of the amount you paid us (if any) for a related product in the twelve months before the claim or one hundred currency units. Contract repair obligations are limited to the terms of the vehicle service contract itself.
You agree to indemnify Steve Germain Automotive and its team against claims arising from your misuse of the site, your inaccurate application information, or your dispute with a repair facility over workmanship that is outside our authorization.
We may update these Terms & Services by posting a new version on this page with a revised date. Continued use after posting constitutes acceptance of the updated terms for website access. Issued vehicle service contracts change only according to their own amendment clauses.
Send contract and legal notices by email to support@stevegermainautomotive.com with a clear subject line. We do not accept service of process through social media.
Last updated: 21 September 2026.
