Fidelity Warranty Services Reviews

Fidelity Warranty Services is a company that offers vehicle protection plans at about 3,800 dealerships nationwide. When your car needs a repair, bring it to the dealership where you purchased the car or call Fidelity to speak to a claims analyst.

Plan benefits include coverage for costly repairs, mechanical breakdowns, maintenance, alternate transportation, towing, roadside assistance, trip interruption and fluid replacement.

For more details on how to file a Fidelity warranty claim or to understand the Fidelity car repair process, contact the customer service team. Fidelity backs its vehicle service contracts with insurance, so you still have coverage if your original dealer goes out of business.

Fidelity has around 6,000 authorized repair shops in the U.S. and Canada.

Fidelity offers five plans in total. Fidelity’s vehicle protection plans (Powertrain, Gold and Platinum) represent three coverage levels and offer protection for up to 120,000 miles, while its other two plans (Drivetrain Plus and Owner Select) are for high-mileage vehicles.

Additional Fidelity warranty plans

Fidelity offers a few other plans in addition to its traditional plans, including:

• Road Hazard Tire & Wheel: This plan offers up to $5,000 in lifetime benefits for repairing and replacing damaged tires. It includes reimbursement for alternate transportation, towing and roadside assistance.
• Lease Excess Wear & Tear: This option is for items that need repairs due to wear and tear and aren’t covered by car warranties.
• Theft Deterrent System: With this plan, advanced technology IDs your vehicle in case it’s stolen.
• Car Care Service Plan: This plan pays for routine maintenance on your car and gives you OneCard membership, which provides benefits similar to those included with Fidelity’s traditional auto warranty plans.
• Term Care Select: This plan covers brake pads, batteries, headlamps, windshield wiper blades, belts, hoses, electrical components, wheel alignment and brake rotors and drums. It also includes OneCard membership, which provides similar benefits to traditional auto warranty plans. The Term Care Select plan has no deductible.

Every Fidelity car warranty plan is transferable and comes with the following benefits:

• Alternate transportation coverage: If your car is in the shop for several days and you need to rent a car, Fidelity reimburses you up to $40 a day for a maximum of 10 days. This is more than what most car warranties offer.
• Towing coverage: If your car breaks down, Fidelity covers up to $100 in towing fees.
• Trip interruption coverage: If you’re traveling more than 100 miles from home and your car breaks down, Fidelity reimburses you for alternate trip arrangements up to $100 a day for a maximum of $500 per occurrence.
• Fluid replacement: When your car is undergoing a repair, Fidelity pays to refill any depleted fluids.
• Financing: You can roll the cost of your Fidelity car warranty into the financing of your vehicle.

Exclusions to Fidelity Warranty Services coverage vary by plan. General exclusions include:

• Damage from misuse, abuse, negligence or improper towing
• Lack of maintenance, overheating, insufficient coolant or lubricants, sludge or restricted oil flow
• Environmental damage (e.g., salt, rust, chemicals)
• Repairs without a mechanical breakdown (e.g., oil consumption, reduced engine efficiency)

For Powertrain and Gold plans, any part that isn’t explicitly listed as covered under the coverage selected is excluded.

For Platinum coverage, the following is excluded:

• Brake shoes, drums, rotors and pads
• Manual clutch components (disc, pressure plate, bearings, arm)
• Air bags, glass, lenses, body panels, trim, moldings, weather stripping
• Tires and wheels
• Most batteries (except specified high-voltage EV/hybrid batteries)
• Light bulbs, upholstery, paint, bright metal
• Filters (unless tied to a covered breakdown), hoses, exhaust system, catalytic converter
• Shock absorbers, alignment or balancing (unless tied to a covered breakdown)
• Non-factory audio or security systems, safety restraint systems
• Convertible or vinyl tops, solar-powered devices

Fidelity does not publish official prices on its website, but customers report that their car warranties cost about $2,500. Some reported spending more, though.

Deductibles can be $0, $50, $100 or $250. Plans with lower deductibles cost more than those with high deductibles.

We like that Fidelity has five plans to choose from, including options for high-mileage vehicles. We also like its optional coverage for wear and tear and routine maintenance. Customers with luxury vehicles often point out how much money they saved buying a warranty from Fidelity. 

However, customer reviews are mixed. While some customers report saving thousands of dollars on major repairs, others describe frustrating experiences involving claim denials, confusion about what components are covered, slow claim approvals and poor communication during the repair process.

As with any vehicle service contract, the value of a Fidelity Warranty Services plan often depends on your coverage level, the dealership administering the contract and the type of repair you need. Make sure to carefully review the contract's covered components, exclusions, deductible options and claims procedures so you know what to expect if a breakdown occurs.