Old Republic Insured Automotive Services Reviews

Old Republic Insured Automotive Services (ORIAS) offers three plans: Total Vehicle Protection, MVP and Evolve. Each is designed for a different type of vehicle and offers several tiers of coverage.

Total Vehicle Protection

This plan is for new and pre-owned vehicles with up to 150,000 miles. Total Vehicle Protection plans come in four levels of coverage: Basic, Select, Plus and Supreme.

Each level builds on the previous one to increase coverage, with Supreme covering “all original equipment factory installed mechanical and electrical parts and assemblies,” apart from a few exceptions listed in the service contract, such as batteries, drive belts and wheels.

MVP

The MVP plan is designed for pre-owned vehicles with up to 200,000 miles. It comes in three levels of coverage: Regular, Premium and Ultra.

Evolve

The ORIAS Evolve plans are designed for electric vehicles. There are three tiers of coverage: Elite, Wrap and High-Tech.

• Elite covers everything, bumper-to-bumper, apart from a few exceptions found in the service contract.
• Wrap covers nonpowertrain components and is intended to complement your vehicle’s existing powertrain warranty.
• High-Tech covers components like touch screens and various sensors and cameras.

>> RELATED: Is labor covered under an auto warranty?

You sign up for an Old Republic Insured Automotive Services plan through your car dealer. Once you have it, using the plan is relatively simple — you take your vehicle to your choice of repair shop and ask them to contact a claims adjuster. If the claim is approved, the shop can then repair your vehicle. If your plan covers towing or a rental car, you can submit your receipts for reimbursement.

You can also approve an emergency repair of less than $500 yourself if it’s outside the repair shop’s regular business hours, though you’ll have to submit the claim to an adjuster within five days to be reimbursed.

You can use whatever repair shop you like, provided it’s licensed to operate in your state. The company doesn’t limit the number of claims you can submit.

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Since Old Republic Insured Automotive Services only sells its policies through dealerships, you’ll need to get a quote directly from your local dealer. The company doesn’t provide any pricing information on its website.

That said, we can provide a general ballpark for extended auto warranty costs so you can judge whether you’re getting a good deal or not:

• In our research, we’ve found that the average extended auto warranty costs about $1,000 per year.
• Extended auto warranty costs range from as little as $280 per year to as much as $2,800 per year, depending on the vehicle and provider.
• There is a ton of variability — in our experience, no two warranty providers are likely to give the same quote for the same car.

>> READ MORE: How much does an extended auto warranty cost?

Most Old Republic warranties include some additional perks. Here’s a breakdown by plan:

Total Vehicle Protection

• Road hazard protection for tires
• Travel and lodging reimbursement
• Roadside assistance reimbursement

MVP

• Towing benefits
• Vehicle rental benefits
• Roadside assistance benefits

Evolve

• Emergency roadside assistance
• Car rental reimbursement
• Trip interruption reimbursement
• Road hazard protection for tires

These benefits may vary based on the coverage level you choose.

Each Old Republic plan has its own coverage terms and limits.

Total Vehicle Protection

• Coverage can be purchased on vehicles with up to 150,000 miles
• Wrap coverage for up to 10 years or 100,000 miles (wrap coverage is basically a warranty that covers everything your vehicle’s manufacturer’s warranty doesn’t cover)
• New vehicle coverage for up to seven years or 100,000 miles
• Pre-owned vehicle coverage for up to 60 months or 60,000 miles

MVP

• Coverage can be purchased on vehicles with over 60,000 miles, up to 200,000 miles
• Coverage available for up to 5 years or 60,000 miles
• Covers vehicles up to 20 model years old

Evolve

• Fully-electric vehicles only
• Coverage available for up to 8 years or 100,000 miles

Extended auto warranties, like those offered by Old Republic, can be worth it. Extended warranties are most beneficial in situations where you expect major problems with your vehicle or don’t have the financial means to cover larger repair bills when they come up.

>> READ MORE: Is an extended auto warranty worth it?