NVP Warranty Reviews

NVP Warranty works with dealers around the country to provide extended service contracts at the point of sale. These contracts can cover most of your vehicle's mechanical and electrical components and extend protection beyond the manufacturer's warranty. Some plans have optional coverages, such as wear and tear coverage, business use, Lyft and Uber use and unlimited miles.

Unlike some extended warranty providers that restrict you to an in-network list of repair shops, NVP Warranty lets you take your car to any repair shop in the U.S. or Canada for covered repairs, giving you more freedom in how you fix your car. NVP has no waiting period, so your coverage begins as soon as payment is accepted.

NVP contracts are sold only through approved dealers and can’t be purchased directly from the company after vehicle purchase.

NVP Warranty has five core coverage levels: Powertrain, 3 Star, 4 Star, 5 Star and Exclusionary. The Exclusionary tier has two additional options, Exclusionary Plus and Exclusionary Wrap. Each plan comes with 24/7 roadside assistance and rental car reimbursement. Here’s a high-level look at each plan:

• Powertrain: The company’s most basic service contract agreement covers major components like the engine, transmission, drive axle and four-wheel drive systems. You can't add optional coverage to this plan.
• 3 Star: In addition to all Powertrain components, this plan covers the brakes, air conditioning system, cooling system and several electrical components. Some steering and suspension parts are also covered.
• 4 Star: This level adds the fuel system and more sensors to the list of covered items. It also includes fluids, Freon and diagnostics. You can pay an optional additional charge to cover wear and tear, business use, lift kits and more on some plans.
• 5 Star: This plan builds on Powertrain, 3 Star and 4 Star coverage, adding trip interruption benefits ideal for drivers who travel frequently. It also includes a broader sensor package.
• Exclusionary: NVP’s most comprehensive level, this high-end plan covers all mechanical and electrical components except those listed as exclusions. 
  • Exclusionary Plus: For a used car with up to 150,000 miles, this level offers Exclusionary coverage for the first part of the contract, then switches to the Powertrain plan for an additional 24 months or 24,000 miles — whichever comes first.
  • Exclusionary Wrap: Designed to wrap around your original factory warranty, this plan covers additional parts and systems your other coverage may miss.

NVP Warranty doesn’t publish plan prices on its website and doesn’t sell directly to consumers. Instead, pricing is set by individual dealerships.

As with other extended warranty providers, the cost varies based on your vehicle's age, make, and model, as well as its mileage. The company charges more for vehicles with diesel engines, turbos or superchargers, dual wheels, hybrids and other unique features.

Discounts

The company’s site doesn’t list standard discounts or promotions; any promotional pricing or bundling is typically handled by the selling dealer.

When you purchase a Powertrain, 3 Star, 4 Star or 5 Star plan from NVP Warranty, only items listed on your contract agreement are covered. The Exclusionary plans work in reverse, covering everything except items listed specifically as exclusions. 

Examples of items commonly excluded from NVP contracts include:

• All maintenance-related items like lightbulbs, filters and spark plugs
• Restraint system sensors
• Air bags
• Exhaust system components
• GPS or navigation systems
• Satellite communication systems like OnStar
• Damage from neglect, lack of maintenance, accidents, collisions or racing
• Failure caused by earthquakes, flooding or other “acts of God”

After you purchase an extended service agreement from a participating dealer, NVP sends you a contract specifying the exact coverage details. You can refer back to it if you have questions about what is or isn't covered.

The contract contains basic information about your vehicle, your coverage start date, which plan you have and how long your coverage lasts. You’ll see your deductible, which varies by plan. Your contract also spells out which components are covered or excluded under your plan and provides information about the roadside assistance program.

The contract concludes with all the legal language explaining your rights and responsibilities — for example, you’re expected to have regular vehicle maintenance checks, and the plan administrator reserves the right to request proof that you’ve completed these items.

If you value the convenience of immediate coverage and the freedom to choose your own mechanic, NVP Warranty offers several coverage options. The company offers multiple levels of coverage, and every plan includes roadside assistance and rental car reimbursement. 

The main hurdle is the lack of transparency in pricing. Since NVP Warranty doesn’t sell directly to consumers, no pricing information is available on its website. You’ll have to contact your dealer for details about purchasing coverage and managing your contract.