1. Acceptance of Terms
By accessing or using the National Auto Protect Inc. (“National Auto Protect,” “we,” “us,” or “our”) website, submitting a quote request, or purchasing a vehicle protection plan, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our services or website.
2. About Our Services
National Auto Protect provides vehicle service contracts (also known as vehicle protection plans or extended warranties) that cover mechanical breakdowns and failures of covered vehicle components. Our services also include 24/7 roadside assistance and claims processing support.
2.1 Service Contracts
Vehicle service contracts are not insurance policies. They are mechanical breakdown protection agreements between you and the contract administrator. Each contract specifies covered components, exclusions, terms, conditions, and limitations.
2.2 Website Services
Our website provides information about our vehicle protection plans, allows users to request quotes, and offers customer support resources. We reserve the right to modify, suspend, or discontinue any aspect of our website at any time.
3. Eligibility
To purchase a vehicle protection plan from National Auto Protect, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Provide accurate and complete information during the application process
- Own or lease the vehicle for which coverage is requested
- Meet the eligibility requirements specified in the chosen plan (vehicle age, mileage, condition)
4. Quote Requests and Applications
4.1 Quote Accuracy
Quotes provided through our website or by our representatives are estimates based on the information you provide. Final pricing may vary based on vehicle inspection, verification of information, and underwriting approval.
4.2 Information Accuracy
You agree to provide truthful, accurate, and complete information about yourself and your vehicle. Providing false or misleading information may result in denial of coverage, cancellation of your contract, or denial of claims.
4.3 No Obligation
Requesting a quote does not obligate you to purchase a plan, nor does it obligate us to offer coverage.
5. Contract Purchase and Activation
5.1 Contract Terms
When you purchase a vehicle protection plan, you will receive a contract that outlines:
- Covered components and systems
- Exclusions and limitations
- Deductible amounts
- Contract term and mileage limits
- Claims procedures
- Cancellation and refund policies
5.2 Waiting Period
Most plans include a waiting period (typically 30 days and 1,000 miles from purchase date) before coverage becomes effective. Specific waiting periods are detailed in your contract.
5.3 Pre-Existing Conditions
Coverage does not apply to pre-existing conditions, defects, or failures that existed before the contract purchase date or during the waiting period.
6. Payment Terms
6.1 Payment Methods
We accept payment by credit card, debit card, ACH transfer, or other methods as specified during purchase. By providing payment information, you authorize us to charge the agreed-upon amount.
6.2 Payment Plans
If you choose a monthly payment plan:
- Payments are due on the date specified in your contract
- Failure to make timely payments may result in contract cancellation
- Late fees may apply as specified in your contract
- Coverage may be suspended for non-payment
6.3 Price Changes
We reserve the right to change pricing for new contracts at any time. Price changes do not affect existing contracts.
7. Cancellation and Refunds
7.1 30-Day Money-Back Guarantee
If you cancel your contract within 30 days of purchase and no claims have been filed, you will receive a full refund of the contract price paid, minus any claims paid.
7.2 Cancellation After 30 Days
Cancellation terms and prorated refunds after the 30-day period are specified in your contract. Refund amounts are typically calculated based on:
- Unused contract term or mileage
- Any claims paid
- Administrative fees (if applicable)
7.3 Cancellation by National Auto Protect
We reserve the right to cancel your contract for:
- Non-payment
- Fraud or misrepresentation
- Failure to maintain the vehicle properly
- Other reasons specified in your contract
8. Claims Process
8.1 Filing Claims
To file a claim:
- Contact National Auto Protect before repairs are made
- Take your vehicle to an ASE-certified repair facility
- Provide required documentation (repair estimates, vehicle information, etc.)
- Await claim authorization before repairs begin
8.2 Claim Approval
Claims are subject to review and approval. We reserve the right to:
- Inspect the vehicle before authorizing repairs
- Require additional documentation
- Deny claims that are not covered under your contract
- Approve alternative repairs or parts
8.3 Covered Repairs
Covered repairs must be performed at ASE-certified facilities. We pay repair facilities directly for approved claims, minus any applicable deductible.
9. Maintenance Requirements
To maintain coverage, you must:
- Follow the manufacturer’s recommended maintenance schedule
- Keep records of all maintenance and repairs
- Provide maintenance records upon request
- Not modify the vehicle in ways that could affect covered components
Failure to properly maintain your vehicle may result in claim denial.
10. Limitations of Liability
10.1 Contract Limitations
Our liability is limited to the terms and conditions specified in your vehicle service contract. We are not responsible for:
- Consequential damages (lost wages, rental cars beyond contract limits, etc.)
- Indirect or incidental damages
- Damages beyond the coverage limits specified in your contract
10.2 Website Use
We are not liable for:
- Errors or omissions on our website
- Interruptions in website availability
- Loss of data or information submitted through our website
- Damages resulting from use of our website
10.3 Third-Party Services
We are not responsible for services provided by repair facilities, towing companies, or other third-party service providers.
11. Intellectual Property
11.1 Website Content
All content on our website, including text, graphics, logos, images, and software, is the property of National Auto Protect or its licensors and is protected by copyright and trademark laws.
11.2 Restrictions
You may not:
- Copy, reproduce, or distribute website content without permission
- Use our trademarks or logos without authorization
- Modify or create derivative works from our website content
- Use automated systems to access our website without permission
12. Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.
13. Communications
13.1 Electronic Communications
By using our services, you consent to receive electronic communications from us, including:
- Contract documents and updates
- Payment reminders and receipts
- Marketing communications (which you may opt out of)
- Service notifications
13.2 Contact Information
You agree to keep your contact information current and to notify us of any changes.
14. Dispute Resolution
14.1 Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.
14.2 Arbitration
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
14.3 Class Action Waiver
You agree to resolve disputes on an individual basis and waive the right to participate in class action lawsuits.
15. General Provisions
15.1 Entire Agreement
These Terms, together with your vehicle service contract and our Privacy Policy, constitute the entire agreement between you and National Auto Protect.
15.2 Modifications
We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated “Last Updated” date. Your continued use of our services after changes constitutes acceptance of the modified Terms.
15.3 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
15.4 Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.
15.5 Assignment
You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction.
16. Contact Information
If you have questions about these Terms of Service, please contact us:
National Auto Protect Inc.
136 Madison Avenue, 5th and 6th Floors
New York, NY 10016
Email: sales@nationalautoprotect.us
Phone: (800) 217-0097
17. Important Disclaimers
17.1 Not Insurance
Vehicle service contracts are not insurance policies. They are service agreements that provide mechanical breakdown protection.
17.2 State Variations
Contract terms and availability may vary by state. Some states have specific requirements for vehicle service contracts. Your contract will comply with applicable state laws.
17.3 Independent Facilities
Repair facilities are independent businesses. We are not responsible for the quality of their work or their business practices, though we work only with ASE-certified facilities.
17.4 No Guarantee of Coverage
Submission of a quote request or application does not guarantee that coverage will be offered or approved.