Fenix Protect

Fenix Protect works with Black Diamond Administrative Company to offer seven different vehicle service plans for new and used vehicles. It helps customers find the right service protection plan for their vehicles and budgets.

Once you’re signed on, the company is your support contact throughout the life of the protection plan. If your car breaks down and you need to file a claim, the customer service team can walk you through the process.

Fenix Protect offers seven auto warranty plans:

• Triple Diamond is an exclusionary coverage plan for newer cars with no more than 70,000 miles. It covers all mechanical and electrical parts except those listed in the exclusions section of the contract. These include wear and tear; damage from modified parts; and breakdowns or part failures caused by natural disasters, vandalism or other unusual events.
• Double Diamond is a stated-coverage plan for newer cars with up to 80,000 miles. This plan covers several mechanical and electrical parts, including your brakes, audio center, air conditioner and suspension system.
• Double Diamond (used) is a comprehensive stated-coverage plan for used vehicles with under 100,000 miles. It provides the same coverage as the option for new vehicles.
• Diamond provides enhanced powertrain coverage for used cars with up to 125,000 miles. It covers repairs to your powertrain, your CV joints, the steering system and some electrical parts. Your brakes, seals and gaskets are also covered.
• Emerald provides powertrain coverage for used vehicles with under 150,000 miles. It covers repairs on your powertrain and a few other parts, such as your water pump, oil pump, fuel system, timing belt and air conditioner.
• Ruby includes standard powertrain stated coverage for used vehicles with up to 175,000 miles. It covers the powertrain, steering system, cooling system, air conditioner, timing belt and some electrical parts.
• Sapphire is a basic powertrain service protection plan for vehicles with up to 500,000 miles. It covers your engine, transmission and transfer case.

The Fenix Protect website offers free quotes, but you need to fill out a form or make a phone call to get pricing information. Since so many factors play into the pricing structure, each quote is customized based on your location and the vehicle’s mileage, make and model, as well as the length of your term.

While exclusions vary based on the terms laid out in your contract, here are a few general exclusions for all Fenix Protect’s plans:

• Work covered by a different warranty or insurance policy
• Damage caused by a natural disaster, war or other unpredictable event
• Repairs needed due to neglect
• Damage from normal wear and tear
• Any repairs that aren’t listed as a covered component or in the exclusions section of the Triple Diamond plan

It's always important to read the fine print of your contract so you know exactly what to expect.

When you purchase a vehicle service contract through Fenix Protect, your agreement is ultimately with Black Diamond Administrative Company. In your contract the company spells out any requirements for regular maintenance, including oil changes and transmission service for older vehicles.

You’ll also find details about the roadside assistance program, substitute transportation benefits and lodging reimbursement in the contract. There are limits for each, so you’ll want to read through this section carefully.

The agreement also contains information about transferring or canceling your service plan if needed.

If you need to file a claim, you can contact Fenix Protect for help. The customer service team can walk you through the claims process and provide support as your vehicle gets repaired.

In the event of a repair, your auto shop calls an administrator at Black Diamond Administrative Company, who will determine whether your plan covers the service. If so, you’ll pay your deductible, and the administrator will pay the repair shop for the rest of the covered amount.

The company reserves the right to request documentation proving that you’ve completed regular maintenance. It can also inspect your vehicle to verify the damage.

If you’re in the market for auto warranty coverage and want to have someone walk you through a few different options, Fenix Protect may be a good start. The company can help you compare plans from Black Diamond Administrative Company to see which is best for your situation. You will have to request a quote for pricing, though, and there aren’t many details about the plans on the company’s website — so ask plenty of questions to ensure you get the right coverage.