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Updated Apr. 08, 2025

By: Taylor Sansano

+1 more

Edited by: Cassidy McCants

About CoverageX

CoverageX is a warranty provider that sells both home and auto warranties. It offers three auto warranty plans: Premium, Signature and Essential. All auto coverage comes with rental vehicle coverage and 24/7 roadside assistance. In the event of a covered claim, CoverageX pays the mechanic directly to avoid lengthy reimbursement periods.

Pros

$100 deductible
24/7 roadside assistance
Rental car coverage
Direct repair payments

Cons

No upfront pricing

CoverageX plans

CoverageX sells three vehicle warranty plans that cover a range of items:

Premium: This is CoverageX’s most comprehensive plan, covering almost as much as a traditional factory warranty.
Signature: This plan covers most of the major and minor systems in a car, minus the suspension and steering. It’s a good value for those who want a decent amount of coverage.
Essential: For those who have a smaller budget, the Essential plan covers the key parts (and sometimes the most expensive parts) of a vehicle for the lowest price.

	Premium	Signature	Essential
Engine
Transmission
Drive axle
Transfer case
Air conditioning
Fuel system
Brake system
Electrical
Starter
Alternator
Steering
Suspension
Rental car
24/7 roadside

The 24/7 roadside assistance covers free towing, lockout assistance and fuel services. Rental car coverage pays up to $100 per day for a traditional rental or $60 per day in rideshare fees (up to $300 per claim in both cases). The fact that this coverage comes standard with all three plans is notable.

How much does CoverageX cost?

CoverageX costs depend on a few factors, including the make and model of your vehicle, its age and how many miles are on it. The average cost for an extended warranty plan is about $1,000 per year, plus a deductible per service. CoverageX has a $100 deductible, which is pretty standard in the industry.

Discounts

CoverageX may offer some discounts, like for first responders or teachers, but it doesn’t specify any as of publishing. When you get a free, no-obligation quote, ask about the potential discounts you may be eligible for.

CoverageX claims

CoverageX has a waiting period of either 30 days or 1,000 miles from the starting odometer reading (whichever comes first) before coverage begins. After coverage starts, you can file a claim at any time.

The process for filing a claim starts with finding an ASE-certified mechanic. The mechanic will reach out to CoverageX directly to start the process and handle payment, meaning customers don’t need to pay anything out of pocket (besides the $100 deductible).

CoverageX exclusions

Each of CoverageX’s three auto plans has its own list of exclusions. For example, the following are excluded from the Signature plan:

Anything the manufacturer should be responsible for, like recalls or those under warranty
Damage caused by lack of regular maintenance
Damage caused by “acts of God,” theft, collision, etc.
Damage caused by misuse or abuse, negligence, modification, tampering, etc.
Towing or pulling damages unless the manufacturer properly equips the vehicle
Preexisting conditions

Your warranty won’t cover things like storage costs, diagnostic fees, shop fees, lodging, food, sales tax and other additional fees. The company also says it won’t cover any claims submitted after 60 days of noticing the issue.

For a full list of exclusions, see your contract.

FAQ

What is CoverageX?

CoverageX is a warranty provider that sells both home and auto warranties. It’s a fairly new company with limited reviews as of publishing.

How does CoverageX work?

CoverageX sells warranty plans. Once you sign up for a warranty and coverage begins (after the waiting period), CoverageX’s plans help cover the cost of repairs or replacements on covered items. In the event of a claim, CoverageX pays a portion or all of the repair directly to the mechanic, minus the customer’s $100 deductible.

Does CoverageX have a waiting period?

Yes, all plans have a waiting period. This waiting period is for 30 days after signing the contract plus an additional 1,000 miles on the odometer from the starting number. In some cases, the 1,000 could be more than 30 days.

What is CoverageX’s cancellation policy?

You can cancel your policy at any point within 30 days for a full refund, according to the contract. If you cancel after 30 days, you’ll receive a prorated refund minus the cancellation fee of $75.

Is CoverageX legit?

Yes, though CoverageX is a pretty new company, having just launched its social media sites and Better Business Bureau profile. Because of this, there are essentially no reviews on the company, its coverage or its claims process as of publishing.