Vehicle Protection

Four tiers of coverage to keep your vehicle on the road

Each Ford Protect Extended Service Plan covers major engine components, plus all gaskets, seals and internal engine parts.

• PremiumCARE covers the parts and labor to repair thousands of key components — engine, transmission, steering, brakes, front suspension, electrical and more — all for up to 8 years or 150,000 miles (whichever comes first). Failure of covered components due to defects in materials and workmanship and normal wear and tear are included.
• ExtraCARE covers 113 components of vehicle systems that impact drivability and your vehicle’s overall performance.
• BaseCARE covers 84 components of vehicle systems that impact drivability and your vehicle’s overall performance.
• PowertrainCARE covers 29 critical engine and transmission components.

Additional Ford Dealer plans

These plans are available for purchase at most Ford/Lincoln Dealerships at the time of vehicle purchase only. They provide coverage options for items not covered by your New Vehicle Limited Warranty and provide protection for up to 7 years.

• TireCARE is a plan designed to protect your tires and wheels from the everyday hazards of the road, such as metal, nails, glass, debris, potholes or pavement damage.
• DentCARE provides peace-of-mind protection for the minor dings and dents resulting from minor mishaps your vehicle might run into over time.
• WindshieldCARE makes repair of minor chips and cracks in your windshield convenient and easy, providing repairs for windshield damage from propelled rocks, metal, or other road hazard debris.

Protection for a carefree ownership experience

GAPCoverage is designed to protect your investment. Your insurance company may not pay enough to satisfy what you owe in the event of a total loss or if your Ford is stolen. GAPCoverage will help ensure you don’t owe money on a vehicle you no longer own. 

Ford offers two different types of coverage: GAPCoverage and GAPAdvantage. 

GAPCoverage

Ford offers its GAPCoverage protection for new and used vehicles in terms of up to 96 months. Personal-use vehicles (up to 12,500 lbs. GVWR) with financing up to $125,000 can receive coverage, and you also get up to $1,000 toward your deductible (except in Alaska). 

GAPAdvantage

GAPAdvantage takes things a step further and helps get you back on the road. It offers all the features of GAPCoverage plus $1,000 toward the cost of a replacement vehicle from your local dealer.

Exclusions

GAPCoverage/GAPAdvantage does not provide benefits when loss or damage occurs:

• Due to fraud or intentional damage by you
  
• Prior to the total loss date
  
• Outside the U.S. or Canada
  
• After the redemption period following a repossession
  
• Due to legal confiscation by a public official
  
• If licensed, registered/titled in a business' name or used for business or has a salvage title
  

Additional Exclusions include:

• Late charges, delinquent payments and deferred payments
  
• Various refundable amounts due to you for early cancellation of financed products
  
• Termination and disposition fees

Additional limitations apply. Be sure to review all limitations outlined on your GAP addendum.

Shield yourself from unexpected wear and use expenses

Even the most conscientious driver cannot prevent the inevitable chips, dings and scratches caused by the road. That’s why we offer WearCare for new vehicles up to 16,000 lbs. GVWR at terms of up to 48 months.  

Sign up for WearCare at the beginning of your lease (cancelable and refundable on a prorated basis) and you’ll have coverage for excess wear and use charges up to $5,000 (subject to conditions).

Exclusions

WearCare is designed to meet your needs; however, there are some program exclusions, such as:

• Excess mileage charges
  
• Missing parts costing more than $200
  
• Damage caused by seizure, confiscation, racing, criminal acts, war, radiation, mechanical or electrical breakdown, improper repairs and alterations
  
• Damage from use in certain commercial activities, including, but not limited to, delivery, taxi, emergency vehicle, rental, construction and landscaping

Damage covered by other products, such as insurance, service contracts, warranties and guarantees, will generally not be waived. Summary only. Always read and understand the details and terms of your WearCare contract.

Save money with safe driving

Earn discounts for safe driving. Ford Insure* is insurance that puts you in control and allows you to earn discounts for driving safely. Ford Insure works with FordPass™** in your 2020 model-year Ford† to gauge your driving habits and calculate a discount based on how you drive.

*American Road Services Company LLC (a Ford affiliate) is the licensed insurance agency offering Ford Insure which is underwritten by Nationwide Mutual Insurance Company and affiliates. Home Office: Columbus, OH.  Ford Motor Company and Ford Credit are not insurance companies or agents.  Subject to underwriting guidelines, review and approval.  Details and availability varies; program criteria differ in California. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes.  The enrollment discount applies during data collection; the final discount is calculated according to driving behavior and could be zero. The final discount applies at the next policy renewal and is subject to change based on actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.

**FordPass, compatible with select smartphone platforms, is available via a download. Message and data rates may apply.

†Available on all 2020 model-year Ford vehicles that are compatible with the embedded modem. Requires FordPass App and FordPass Connect service. Not available on 2020 F-150, Fusion Plug-in Hybrid, GT and F-650/F-750.
 

The Ford Motor Company Insurance Services Program through Ameriprise Auto & Home Insurance is no longer offering new policies. If you are a current policyholder with the Ameriprise Auto & Home Insurance program and you need assistance, please  click here.