You Live. We Pay Covered Repairs.

When a covered repair hits, we pay the shop directly and handle the details — so you can get back to life.

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Plans built around your life, with rates that never change.

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What do you want to protect?

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Why CoverageX Works For You

Your price, locked in for life

Trusted by 300K+ members

30-day money-back window

$30M in claims paid

Get Your Quote in Minutes

Plans built around your life, with rates that never change.

Choose a product

What do you want to protect?

Secure quote flow

REPAIR COST INSIGHTS

Breakdowns Happen. Will You Be Prepared?

Select a category below, then tap any component to reveal average repair costs without CoverageX.

Select a Component

Tap on the interactive markers to see the cost breakdown.

Coverage Solutions

Protection Plans Built Around You

Tell us about your vehicle or home and we'll match you with a qualifying plan.

Executive

Elite Protection

The Executive Plan is an exclusionary coverage contract — the broadest form of protection available. Everything is covered unless it is explicitly listed as excluded.

Sample Policy

Premium

Advanced Protection

The Premium Plan provides near-comprehensive mechanical coverage, including advanced technology components and all major vehicle systems — with a short list of standard exclusions.

Sample Policy

Signature

Expanded Coverage

The Signature Plan expands beyond powertrain basics to include electrical systems, air conditioning, and suspension — covering the components that keep your vehicle running comfortably and reliably day to day.

Sample Policy

Essential

Core Protection

The Essential Plan covers your vehicle's most critical mechanical systems — engine, transmission, and drivetrain — including seals, gaskets, and turbocharger components where applicable.

Sample Policy

What Makes CoverageX, CoverageX

The coverage is why you sign up. This is why our Members stay.

The claims, the price, the people, the freedom — the parts you don't think about until you need them.

01No reimbursement runaround

We pay the shop, not you.

We don't believe in reimbursements. When a repair's covered, we pay the shop directly the moment it's approved — so the money never leaves your pocket in the first place.

We pay the repair shop directly for every covered claim
Most claims authorized in the same day
One phone call from claim opened to repair started
No expense reports, no paperwork, no chasing

02The rate you start with is the rate you keep

Your price, locked in for life.

Most warranties hook you with a low rate, then raise it at renewal. Not us. Lock in your monthly price today and it stays there — no surprises, no creeping increases, for the life of your coverage.

Monthly price stays exactly the same, year after year
No annual increases at renewal — guaranteed in writing
No hidden fees, no fine-print escalations
30-day money-back window if it's not for you

03Speak to someone who can actually help

Chat with real humans, 24/7/365.

When something breaks at 2am, you don't want a chatbot or a phone tree. Call us any hour of any day and a real person picks up — no menus, no "press 1." If your question needs a specialist, they'll walk you straight to the right one.

Reach a real person any hour, any day — 24/7/365
No phone trees — you dial and a human answers
Connected to the right specialist when you need one

04No networks. No restrictions

Take it anywhere.

Your coverage isn't tied to a list of "preferred" shops. Break down two states from home, or right in your own driveway — take it to any licensed mechanic in the country and we'll pay them directly. So you can chase the long way home, not the nearest approved garage.

Any licensed mechanic in the country — your choice, not ours
No in-network / out-of-network games
The same coverage 2,000 miles from home as in your driveway
Roadside assistance and towing when you need them

Next step

Want to see how it actually works?

Follow a claim start to finish — one call to a real person, straight through to a finished repair.

See how it works

01No reimbursement runaround

We pay the shop, not you.

We don't believe in reimbursements. When a repair's covered, we pay the shop directly the moment it's approved — so the money never leaves your pocket in the first place.

We pay the repair shop directly for every covered claim
Most claims authorized in the same day
One phone call from claim opened to repair started
No expense reports, no paperwork, no chasing

02The rate you start with is the rate you keep

Your price, locked in for life.

Most warranties hook you with a low rate, then raise it at renewal. Not us. Lock in your monthly price today and it stays there — no surprises, no creeping increases, for the life of your coverage.