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CNA National

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LAST UPDATED: March 23rd, 2023

CNA National offers five kinds of vehicle protection plans to independent buyers. It also offers two additional kinds of warranties through car dealers.

Most of CNA National’s warranties include additional services like roadside assistance and rental car reimbursement. These additional benefits offer car owners peace of mind while on the road and add value to a CNA National warranty.

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The Good

  • Plan Variety
  • Additional Features
  • Plans Available through Car Dealers

Plan Variety

Extended warranties offer protection after a car's original warranty or manufacturer's warranty expires. This protection reduces the amount car owners pay in out-of-pocket expenses for covered repair costs. CNA National offers three car warranties for new or slightly used cars and two for used cars.

The extended auto warranty offerings for new or slightly used cars include

  • Automotive Preferred Care℠
  • Mechanical Advantage Care℠
  • Vehicle Value Care℠

These protection plans offer powertrain coverage — engine, transmission, and drive train assembly.

The Automotive Preferred Care℠ vehicle service contract offers the most comprehensive coverage available in an extended warranty: exclusionary coverage. An exclusionary warranty covers all of the parts except those stated in the contract.

The Mechanical Advantage Care℠ plan covers everything the Vehicle Value Care℠ plan does and includes coverage for the car’s interior and powertrain electronics, ABS brakes, accessories, and vehicle hardware.

The Vehicle Value Care℠ plans cover the heating and air conditioning, fuel, electrical, and cooling systems, brakes, suspension, and front wheel steering.

CNA National’s extended car warranty offerings for used cars include

  • Powertrain Advantage Care℠
  • Certified+Plus Care℠ 

These plans offer for the powertrain warranty coverage. The Certified+Plus Care℠ plan includes two options: Preferred and Advantage.

The specific differences between the two Certified+Plus Care℠ auto warranty plans is unclear; however, these are only offered for cars that have been certified by a dealer and whose factory warranty coverage has been extended.

Additional Features

CNA National vehicle service contracts include the following:

  • 24/7 roadside assistance
  • Trip interruption reimbursement
  • Car rental reimbursement
  • Towing

Trip interruption coverage and car rental reimbursement are only available when the car is in a repair facility for a covered repair. A refund is only available for covered repairs.

Some warranty providers also allow clients to choose a repair shop. It's unclear whether CNA National offers this benefit to its clients.

However, the additional benefits that CNA National does offer, add value to its vehicle protection plans. While these features are common among providers, some auto warranty companies do not offer all of these additional features.

Plans Available through Car Dealers

In addition to offering car warranties to independent buyers, CNA National offers these extended warranties through dealers:

  • Lifetime Limited Powertrain Warranty℠
  • Lifetime Wrap Service Contract℠

The Lifetime Limited Powertrain Warranty℠ covers the car’s powertrain. This warranty does not include the additional features, like 24/7 roadside assistance.

The Lifetime Wrap Service Contract offers additional coverage, including brakes, fuel system, interior electronics, and more. This plan includes the additional features listed above.

These certified warranties are only available for quality vehicles that pass inspections.


The Bad

  • Some Restrictions

Some Restrictions

The restrictions vary depending on the product purchased. CNA National vehicle protection plans cannot be renewed unless they include a rider called a future contract guarantee.

For the warranty to be transferable, it must include a transfer guarantee.

If potential clients are interested in these features, they can add them to their vehicle protection agreement before purchasing.


The Bottom Line

An extended service contract from CNA National is a good option for car owners who want to buy an extended warranty. While CNA National’s warranties are not always transferable or renewable, these features can be negotiated before signing the contract.

CNA National has a nice selection of vehicle protection plans, which makes it easier for potential clients to find the warranty coverage they want at a good price. Warranty cost is determined by several factors, including the car's make, model, and mileage. Many vehicle service contract companies do not publish general cost estimates due to the variability. For more detailed extended car warranty cost information, people interested in a CNA extended warranty should contact the company directly.

For its warranties offered through dealerships, cars must be high quality and pass an inspection before a CNA National warranty can be provided. This feature helps car shoppers identify good used cars and make a smart car purchase.

Before getting an extended warranty, it's worth thoroughly reviewing the contract and terms. Most warranties do not cover damage from normal wear and tear, damage from failure to properly care for the vehicle, and damage from accidents.

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