---
title: "Understanding Mechanical Coverage: Coverages & Exclusions"
description: Mechanical Coverage helps pay for certain covered breakdowns after the waiting period is met, subject to the terms of the plan you selected.
---
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1. [Mechanical Coverage Help Center](https://support.tint.ai/mechanical-coverage)
2. [General](https://support.tint.ai/mechanical-coverage/general)
# Understanding Mechanical Coverage: Coverages & Exclusions
## Mechanical Coverage helps pay for certain covered breakdowns after the waiting period is met, subject to the terms of the plan you selected.
#### **What Mechanical Coverage includes**
Coverage depends on the plan selected at purchase. Plans are cumulative, which means each higher tier includes the coverage in the tier below it.
### **Powertrain**
Powertrain coverage includes core drivetrain components, such as:
- engine
- transmission
- drivetrain
### **Plus**
Plus includes everything in Powertrain, plus additional systems such as:
- air conditioning
- electrical
- fuel system
- suspension
- steering
- brakes
### **Premium**
Premium includes everything in Plus, plus additional components such as:
- seals
- gaskets
- additional systems
- hybrid or EV battery, where included by the plan
#### **How long coverage lasts**
Mechanical Coverage stays active for the term and mileage selected on the plan.
Coverage ends when the first of these happens:
- the selected number of years is reached, or
- the selected mileage limit is reached
In other words, coverage lasts until **the earlier of the two**.
For example, if a policy includes a 3-year term and a mileage limit, coverage ends when either:
- 3 years have passed, or
- the vehicle reaches the selected mileage limit
The exact term and mileage limit are shown in the policy documents.
#### **When coverage starts**
Mechanical Coverage does not begin immediately after purchase.
A waiting period applies, and coverage starts only after both of these are met:
- 30 days have passed, and
- 1,000 miles have been driven
#### **Coverage limits and deductible**
Mechanical Coverage is subject to the limits and deductible shown in the policy.
Important details may include:
- deductible options such as $250 or $500
- a maximum mechanical coverage limit up to the value of the vehicle
#### **Roadside Assistance**
Roadside Assistance may be included with your Mechanical Coverage plan if it was selected at the time of purchase.
### **What Roadside Assistance includes**
Roadside Assistance can help with certain unexpected situations while you’re on the road, such as:
- towing
- battery jump-starts
- flat tire assistance
- lockout services
- fuel delivery (cost of fuel not included)
### **Coverage details**
- Roadside Assistance typically has a **$0 deductible**
- Service is subject to a **per-incident limit (for example, up to $500)**
- Coverage is available only while the Mechanical Coverage policy is active
### **Important limitations**
- Roadside Assistance is **not available as a standalone product** and must be included with a Mechanical Coverage plan
- Services are limited to covered roadside events and may have per-use limits
- Availability may vary by location and service provider
- Any costs above the coverage limit are the responsibility of the policyholder
#### **What is not covered**
Mechanical Coverage does not cover every repair. Common exclusions include:
### **Maintenance and wear items**
Items or services related to routine maintenance are not covered. This can include things like:
- oil changes
- tune-ups
- filters
- brake pads
- other regularly replaced service items
### **Misuse or preventable damage**
Damage may not be covered if it results from:
- misuse
- neglect
- lack of required maintenance
- continued operation after a problem appears
### **Modifications**
Breakdowns or damage related to non-factory or unauthorized modifications are not covered.
### **Environmental or external damage**
Damage caused by outside events is generally not covered. This may include:
- weather
- flooding
- fire
- collision
- vandalism
- other external causes
### **Cosmetic items**
Mechanical Coverage is generally for covered mechanical breakdowns, not cosmetic issues. Cosmetic items may include:
- trim
- upholstery
- paint
- glass appearance issues
- other non-functional components
### **Unauthorized repairs**
Repairs completed without required approval may not be covered.
#### **Which vehicles are not eligible**
Eligibility rules apply before coverage can be purchased.
Vehicles may not be eligible if they:
- are older than the allowed model year range
- exceed the allowed mileage at the time of purchase
- are not registered on the required platform, if platform registration is required
Based on current launch rules, examples of vehicles that may not be eligible include:
- vehicles older than model year 2014
- vehicles with 120,000 miles or more
- vehicles not registered on Turo
#### **Important limitations**
Before relying on coverage, keep these points in mind:
- Coverage only applies to covered components and covered breakdowns.
- Higher-tier plans include the lower-tier coverage.
- Coverage is subject to the policy’s terms, limits, deductible, and exclusions.
- The waiting period must be satisfied before coverage begins.
- Coverage ends when the selected term or selected mileage limit is reached, whichever comes first.
#### **Common questions**
### **Does every plan cover the same parts?**
No. Covered components depend on the plan selected.
### **Does coverage last for the full number of years no matter what?**
No. Coverage ends when the selected term is reached or the selected mileage limit is reached, whichever happens first.
### **Are maintenance items covered?**
No. Routine maintenance items and services are generally excluded.
### **Are all vehicles eligible?**
No. Vehicles must meet the eligibility rules at the time of purchase.
- [FAQs](https://support.tint.ai/mechanical-coverage/faqs)
- [General](https://support.tint.ai/mechanical-coverage/general)
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