Delta Auto Protect offers their customers extended service plans to help pay for expensive car repairs. The company includes roadside assistance with all of its plans and has a comprehensive list of systems which are covered. There are many exclusions as well, so buyers should be fully aware of the exclusions before purchasing a plan.
Basic Features of Service Plan
Delta Auto Protect offers customer three plans, Diamond, Diamond Plus, and Diamond Premier. These plans vary in the different features that they offer as well as the pricing for each plan. The plans are cumulative, with higher-tiered plans adding additional coverage to the lower-tiered plans. Rather than being separated as are new car warranties into Basic (e.g. bumper-to-bumper), Corrosion, and Powertrain Warranties, Delta Auto Protect is an extended service plan and not a warranty and covers different parts of the vehicle’s systems.
All plans include coverage of the engine, drive axle, transmission, cooling, brake, AWD, and electrical systems. Diamond Plus Plans add coverage of 4×4 systems and steering. The Diamond Premier Plan includes ABS brakes, seals and gaskets, air conditioning, GPS navigation, and suspension systems. Diamond Premier Plans also cover “Hi-Tech,” but there is no expounding information about this coverage.
All plans include roadside assistance with towing, car rental, flat tire assistance, and emergency fuel, etc. Car rentals are only available in the event of a breakdown and towing is to the nearest ASE certified repair shop. Towing and rental car coverage are limited to one tow/rental car per repair as well as once per seven day period for the same cause.
Cost of Service Plan
Delta Auto Protect does not disclose their pricing for their extended service plans. These are priced based on several factors, including the vehicle’s mileage, make/model, and geographic location of the vehicle. The plans are also priced with higher-tiered plans such as the Diamond Plus and Diamond Premier Plans being priced more expensively than the baseline Diamond Plan.
Basic Service Plan Length
Delta Auto Protect does not disclose the length of its extended service contracts online.
Corrosion Coverage with Service Plan
Delta Auto Protect does not offer corrosion coverage with any of its service plans.
Time in Business
Delta Auto Protect was founded in 2013. As such, compared to many of its competitors, the company is not as experienced. In an article recently published on its site titled, “Don’t Worry About a Delta Auto Protect Scam,” the company accused its competitors of “Black Hat” SEO (search engine optimization) techniques and flooding the market with false and negative reviews about the company. Conversely, there are many positive reviews on reputable sites which are strikingly similar in their text, timeframe and the names of customers or representatives, leaving some question as to whether the company is attempting to offset these reviews with a plethora of positive reviews using the same method which it has accused others of using. While not definitive, it is certainly suspicious.
In the article referenced above, the company states that it has several certifications, including an “A rating” by the Better Business Bureau. As of September 2016, the company has received several recent complaints filed with the BBB and has a B- rating. While BestCompany.com does not solely rely on the BBB for rating information, it is notable that there are some discrepancies which further call Delta Auto Protect’s integrity into question.
What Customers Are Saying
There are many reports from customers who state that their claims were not paid or that the process to get claims paid was extensive and troublesome. This may be in part to the number of requirements that the company publishes for the service plan to be honored and maintained. In effect, if customers do not follow each of the requirements that the company has set forth, they may have unknowingly voided their service plan, even though they continue to pay for it. For example, to maintain coverage, customers must perform all recommended maintenance and keep all records for their vehicle. A thrown-away receipt for an oil change can result in a costly repair which should be covered under the service plan, but will not be because the customer cannot show proof that they have maintained their car properly. For more information about what Delta Auto Protect requires for maintaining coverage, BestCompany.com recommends thoroughly examining Delta Auto Protect’s Sample Contract.
Frequently Asked Questions
Does the service plan include towing? What are the limitations on towing expenses?
All of Delta Auto Protect’s plans (Diamond, Diamond Plus, and Diamond Premier) included towing in their roadside assistance coverage. Towing is only available for a disabled vehicle and to the nearest repair facility, chosen by Delta Auto Protect. Coverage for the towing is limited to $120 per incident.
Can a service plan be transferred if the car is sold?
Transferring Delta Auto Protect plans upon selling a vehicle is subject to exclusions. Transfers may occur from one individual to another if the second person will not use the vehicle for commercial reasons. Transfers may not be made from an individual to a wholesaler or car dealership. All vehicle maintenance records must remain with the vehicle as well as the original owner’s manual.
Are there any fees involved in the transfer of the service plan to a new owner?
Delta Auto Protect only states that “some administrative fees may be collected” if a transfer is requested, not the amount of the fees to transfer the plan from one individual to another.
Where can the repairs be done under service plan?
All repairs must be completed by a Delta Auto Protect–approved repair facility in order to be eligible for coverage under any of the plans.
What hours/days can a repair be reported?
All service plans include toll-free assistance 24/7/365 to report breakdowns.
Does the service plan cover a car rental while the repair is being made?
All plans include coverage for a rental vehicle while the covered repair is being made.
How many days/hours does car rental cover?
Reimbursement for rental cars is covered up to $65 per day for a maximum of four days ($260) per breakdown.
How long does it typically take to file and process a claim?
Delta Auto Protect does not disclose the average time for a claim to be processed. There are reports on consumer protection sites of claims remaining unpaid for nearly one year, although this is likely an anomaly, rather than the norm.
Does the service plan cover defects which are discovered or which occur in a different state than the state of purchase?
Covered repairs can be completed while away from home. Delta Auto Protect offers some additional protection and benefits if the breakdown occurs more than 125 miles from the owner’s primary residence.
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