CNA National Warranty Corporation Reviews

CNA National may be a good option if you’re looking for a company with industry longevity and a range of coverage options. It also offers attractive benefits, like paying $100 toward your deductible for repairs covered by your car’s factory warranty.

Unfortunately, the company doesn’t have much information about its contracts available online. And it doesn’t sell its products directly to consumers, so you have to contact an authorized dealer in your local area for pricing information.

You may run into issues canceling your contract since not all products are eligible for cancellation. Make sure you understand what you can and cannot do before buying a vehicle service contract.

CNA National Warranty Corporation has operated in the vehicle service contract industry for over 40 years. Headquartered in Scottsdale, Arizona, the company offers service contracts, guaranteed asset protection (GAP) coverage and supplementary products, such as dent repair. It’s a subsidiary of CNA Financial, a commercial insurer.

» LEARN: What is a vehicle service contract?

CNA National’s vehicle service contracts provide coverage throughout the United States and Canada. The company’s exclusionary plan covers new and used vehicles with up to 125,000 miles. Basic powertrain coverage is available for vehicles with up to 150,000 miles at the time of sale.

CNA National Warranty Corporation has different categories of service contracts, including its standard Z2 service contract. This contract comes in four coverage levels, ranging from powertrain to exclusionary. There are also electric vehicle (EV) service contracts with varying coverage levels.

If you want maintenance benefits, consider CNA National’s term protect service contract. It’s a service and maintenance contract in one, designed to supplement a manufacturer’s warranty.

This table shows the four tiers of the company’s Z2 service contract; these plans should provide adequate coverage for most drivers.

» LEARN: What does a car warranty cover?

CNA National coverage limits

CNA National contracts have a limit of liability clause, which says the per-claim limit can’t exceed the fair market value of the vehicle. Over the duration of your policy, the total claim limit can’t exceed the vehicle’s purchase price.

CNA National Warranty Corporation sells its products through dealerships, so you can’t contact the company to get a quote. A participating dealer can provide details about pricing. The cost may vary depending on your car, mileage and location.

A CNA National contract may come with a deductible, which you will pay if your car needs repairs. A company representative says deductibles can range from $0 to $500. There’s also the option to have a disappearing deductible. This option allows you to get repairs done without paying a deductible if you take your car to the dealership where you purchased the contract.

When buying a CNA National contract, you can pay for the policy upfront in one lump sum or roll the price of the contract into your vehicle financing if the lender allows it. You can also get a separate loan for the service contract.

» MORE: How much does an extended car warranty cost?

CNA National vehicle service contracts come with additional benefits. These include towing, roadside assistance, trip interruption and rental car reimbursement.

When purchasing a CNA National vehicle service contract, make sure you understand the company’s policies. A company representative says contracts come with a transfer guarantee, which means you can transfer the policy to a new owner through a private sale. CNA National also provides the option to renew your coverage by purchasing a new contract before your current one expires.

If you want to cancel your CNA National contract, you must contact the dealership where you purchased it. The dealer can tell you whether you’re able to end your coverage. If you can’t cancel your contract through the dealership, you can call CNA National at 800-345-0191.