Everything Breaks - Auto Warranties

Everything Breaks has several interesting features, and its transparent pricing makes it convenient to compare the cost of an Everything Breaks plan to the competition.

However, at the time of publishing, we don’t have enough consumer reviews to judge how it operates. If its reviews turn out positive, Everything Breaks might be worth considering as you shop for an extended auto warranty.

To be eligible for an Everything Breaks extended vehicle warranty, your car has to be less than 20 years old and have less than:

• 240,000 miles for Standard Powertrain and Enhanced Powertrain plans
• 165,000 miles for Deluxe and Topline plans

All of the company’s auto warranties also have a 30-day and 1,000-mile waiting period that you must complete before you can submit a claim. After your waiting period has passed, you can bring your car to any ASE-certified mechanic or dealer when you have a covered failure.

Once your mechanic diagnoses the issue and estimates the repair costs, the shop has to call Everything Breaks’ claims department to get authorization before starting any repairs. (If it’s an emergency repair, then you have to call the company the next day so it can determine if you’re eligible for reimbursement.)

If your repair is approved, Everything Breaks pays the shop directly, and you’ll only owe the deductible listed on page one of your contract. (In the company’s sample contract, the deductible is $100.)

You can cancel your plan anytime by calling the company or visiting your online customer portal.

Everything Breaks offers five levels of extended auto warranty coverage:

1. Critical Coverage
2. Standard Powertrain
3. Enhanced Powertrain
4. Deluxe
5. Topline

Unlike most extended car warranties, the unconventional Critical Coverage plan is more like an enhanced roadside assistance membership that adds guaranteed 50% coverage for mechanical repair costs. (Critical Coverage repairs are limited to $500 per occurrence, up to a maximum of $2,000 in a 12-month period.)

Meanwhile, the company’s other protection plans cover the full cost of repairing certain parts across your car’s components groups, including its:

• Engine
• Transmission
• Drive axle
• Air conditioning and heating
• Suspension
• Steering
• Cooling
• Fuel system
• Transfer case
• Brakes
• Electrical system
• Seals and gaskets
• Hybrid system

Your exact coverage will vary based on the plan you choose. Here’s how many components each of the company’s conventional extended warranty plans cover.

All of Everything Breaks’ plans also come with 24/7 roadside assistance, which includes:

• Towing assistance
• Fuel, oil and fluid deliveries
• Flat tire assistance
• Winching assistance
• Lockout assistance
• Battery jump-starts
• A $1,000 theft reward
• Emergency money
• Exclusive deals
• Expert assistance

All plans except Critical Coverage provide additional benefits, like rideshares to get to your destination if your car breaks down mid-trip and rental car reimbursements ($30 per day for up to five days) if you need a rental while your car is in the shop. Non-Critical Coverage plans are also transferable, meaning they follow the vehicle if you sell it to someone else.

Finally, maintenance benefits are included with all one- and three-year plans. In most cases, these benefits are reimbursements for keeping up with your vehicle’s recommended service schedule, like a $40 reimbursement on each regular oil change. You’ll get benefits for:

• Three oil changes
• Brake pad replacements
• One battery replacement
• One cooling system maintenance
• One hand-held computer engine diagnostic and alignment check
• One safety inspection and wiper blade replacement

Maintenance benefits start 60 days after your plan begins and end 14 months from your purchase date.

Unlike most extended auto warranty companies, Everything Breaks offers transparent, upfront pricing for its plans.

It’s worth noting that the company’s long-term contracts aren’t any cheaper than its monthly plans, but you do get maintenance benefits included when you sign up for a one- or three-year contract.