Transmission

Transmission repairs are among the largest single repairs on a vehicle, and transmission coverage sits alongside the engine in most plans. Automatic, manual, CVT and dual-clutch units are built differently, so ask how the contract treats yours.

What this covers on many plans

• Internal lubricated parts: gears, shafts, clutches, bands and bearings
• Torque converter
• Transmission case, if damaged by a covered failure
• Valve body and internal seals, where the plan lists them

What usually causes these failures

• Worn or burned clutch material and old, overheated fluid
• Heat from towing or hauling beyond the vehicle's rating
• Normal wear with mileage

Often not covered

• Fluid changes, filters and routine adjustments
• Clutch discs on manual transmissions when treated as wear items
• Electronic controllers on some plans (check the electrical section)
• Damage from towing or racing beyond what the contract allows
• Problems that existed before coverage began

Questions to ask before you buy

• Are CVT and dual-clutch units covered the same way as a traditional automatic?
• Is the transmission control module covered?
• Does towing or hauling limit coverage?
• Is a fluid-service record required?

If something goes wrong

Slipping, delayed shifts or warning lights are reasons to stop and call the claims number. Do not authorize a rebuild before the administrator approves it.

Coverage depends on the plan you choose. The covered list, exclusions, limits and service fee in your contract decide what is paid. Ask for them in writing before you buy.