Old Republic Insured Automotive Services Review

The Gist:

• An Old Republic car warranty can cover new and pre-owned vehicles purchased from dealerships.
• Old Republic warranties can cover cars with up to 200,000 miles on the odometer depending on the type of plan.
• Old Republic Insured Automotive Services has below-average ratings from customers on the Better Business Bureau (BBB)

With so many companies selling vehicle service contracts, it can be hard to sort through the wide range of covered repairs and exclusions to figure out which company to choose. That’s why we compared the coverage, costs, claims process, and customer reviews for several of the best extended car warranty providers and put together our top recommendations.

Here, we will go into detail about Old Republic Insured Automotive Services (ORIAS), which is part of Old Republic Insurance Group. You can get an Old Republic car warranty from participating dealers across the country. Read our review, then compare free quotes between this company and other popular extended warranty providers.

Old Republic Car Warranty Review

Old Republic Insured Automotive Services has a long history stretching back to 1974, and it offers a huge array of plans (10 in total). However, it’s only available from certain dealerships, and it doesn’t have the best track record for customer service. We rate it 3.9 out of 5.0 overall, and you can see ratings in different categories below.

Old Republic Pros And Cons

Below are a few pros and cons we found in our Old Republic car warranty review:

About Old Republic

• Founded: 1974
• Headquarters: Tulsa, Oklahoma

Old Republic Insured Automotive Services specializes in vehicle service contracts, mechanical breakdown insurance, and guaranteed asset protection (GAP) programs. It partners with some of the leading U.S. automotive, financial, and service companies and provides insured automotive products to over 5,000 U.S. car dealerships. Most of its insurance contracts are underwritten by Old Republic Insurance Company.

The vehicle service plans that Old Republic Insured Automotive Services offers provide varying levels of coverage for mechanical repairs to both new and pre-owned vehicles, as well as coverage for roadside assistance, rental cars, and other benefits. The company has received a D- rating from the BBB, and it has gotten mixed reviews from past and current members when it comes to claims coverage and customer service.

---

Old Republic Car Warranty Coverage

Old Republic Insured Automotive Services will cover the cost of parts, up to the manufacturer’s suggested retail price. It will pay for labor based on labor times in nationally recognized labor manuals and the repair shop’s hourly labor rate.

Vehicle service contracts cover roadside assistance, towing, rental car reimbursement, and road hazard protection for tires. Extended warranties also frequently include travel interruption coverage, which will reimburse you for lodging and meals if your car has a mechanical breakdown more than 100 miles from your home.

Old Republic Insured Automotive Services offers extended warranty plans with multiple tiers of coverage. The exact benefits and coverage terms vary depending on the type of program.

Total Vehicle Protection (For New And Pre-Owned Vehicles)

Total Vehicle Protection can cover up to 150,000 miles. Here’s what’s available under this type of plan:

• Basic Plan: Covers the engine, automatic or manual transmission, transfer case, drive axle for front- and rear-wheel-drive vehicles, seals and gaskets (optional coverage), cooling and fuel, and electric and hybrid drive.
• Select Plan: Covers everything in the Basic Plan plus additional coverage under each component as well as steering, front and rear suspension, air conditioner, brakes, electrical, chassis hardware, and seals and gaskets.
• Deluxe Plan: Covers everything in the Select Plan plus additional coverage under each component as well as high-tech electronics.
• Supreme Plan: Provides the most comprehensive coverage and covers mechanical breakdown for all original, factory-installed mechanical and electrical parts and assemblies, except those specifically excluded.
• Supreme Wrap Plan: For vehicles with extended manufacturer’s powertrain coverage, covering all original, factory-installed mechanical and electrical parts and assemblies not related to the powertrain, except those specifically excluded.

Additional benefits include roadside assistance, towing, car rental, trip interruption, and tire road hazards.

MVP (For Pre-Owned Vehicles)

MVP plans can cover cars with up to 200,000 miles on the odometer. You can get the following coverage options:

• Regular Plan: Covers the engine, automatic or manual transmission, transfer case, and drive axle for front- and rear-wheel-drive vehicles.
• Premium Plan: Covers parts included in the Regular Plan, plus cooling, fuel, steering, suspension, air conditioning, brakes, electrical, seals and gaskets.
• Ultra Plan: Covers parts included in the Regular and Premium Plans, plus hybrid electric drive, chassis hardware, seals and gaskets, as well as additional coverage for cooling, fuel, transmission, transfer case, steering, suspension, air conditioning, and electrical components.

There is no deductible and additional benefits such as roadside assistance, towing, and car rental apply to all plans. 

Evolve (For Fully-Electric Vehicles)

Evolve plans are available for EVs and they can cover up to 100,000 miles. Here are the main options:

• Evolve Elite: This is a bumper-to-bumper plan that covers any breakdown except for a list of exclusions.
• Evolve Wrap: This plan covers components outside the powertrain and can complement an existing powertrain warranty.
• Evolve High-Tech: This plan covers high-tech components like touch screens, driving sensors, and backup cameras.

Other Contract Details

Most states allow you to cancel a vehicle service contract during an initial “free look” period and receive a full refund. If you decide to cancel your vehicle service contract after the “free look” period, you may receive a prorated refund based on the remaining amount of use by time and miles compared to the total amount of coverage you purchased.

If you sell your vehicle, you may transfer the remainder of the service contract to the buyer. You can contact the Customer Service Department to request a transfer form.

---

How Old Republic Car Warranty Works

If you have an Old Republic plan and your vehicle experiences a mechanical breakdown, you can have it fixed at any licensed repair shop in the U.S. or Canada. If necessary, have your car towed to a repair facility. There, you’ll ask an employee from the shop to contact a claims adjuster. Covered losses must be approved before repairs can begin.

If your car breaks down outside the company’s normal business hours and emergency repairs are required to make the vehicle operable or safe, you may authorize an emergency repair if the bill is less than $500. You will have to contact a claims adjuster within five days to submit your claim. You can call, fill out a form online, mail it, or fax it to have the company consider covering the cost of repairs.

Old Republic Insured Automotive Services will pay for covered repairs (including parts, labor, and sales tax) with a corporate credit card. If your plan covers towing and/or a rental car, you can mail or fax receipts for reimbursement. You won’t have to complete a claims form, and the company doesn’t limit the number of claims you can submit for payment.

---

Old Republic Car Warranty Cost

Old Republic only sells extended warranties through dealerships, so you’ll have to get a quote in person to see what a plan would cost. If you’re sitting at a dealership ready to drive off the lot, make sure you take the time to read the sample contract and understand what’s covered.

According to our quote data, car warranties cost about $812 per year of coverage. So a plan that covers three years should cost about $2,500. You can use these rates to see if an Old Republic quote is affordable or not.

---

Old Republic Car Warranty Customer Reviews

Old Republic Insured Automotive Services has a D- rating from the BBB. The company has a 1.5-star rating from less than 10 reviews on the BBB and a 2.2-star rating from 32 reviewers on Google. The online reviews from customers are mixed, with some individuals reporting that they had trouble getting the company to cover repairs and issue refunds.

Positive Old Republic car warranty reviews on Google praise the company for providing helpful customer service. Some also mention the warranty plan covered expensive components like the air compressor.

In negative reviews, some customers said claims took longer than expected. A few also said they had issues getting claims covered and some repairs were denied.

---

Old Republic Insured Automotive Services: Our Take

Old Republic Insured Automotive Services sells vehicle service contracts that can protect you from unexpected and often expensive car repair bills. You can select from a range of plans and choose the one that best suits your needs. Unlike some other extended warranty providers, Old Republic Insured Automotive Services lets you choose a repair facility and pays shops directly for repairs. Based on the company’s mixed reviews from current and past customers, as well as its D- rating from the BBB, we recommend looking into additional third-party providers to ensure you make the decision that will give you the most peace of mind.

Recommended Providers

A vehicle service contract is a significant expense, so you want to choose one carefully. The array of plans available can be overwhelming, which is why you should compare coverage options and prices from a handful of companies before you make a decision.

Endurance: 4.5 Stars

If you’re looking for a reputable car warranty company backed by over 15 years of industry experience, Endurance is the right provider for you. As our leading provider, Endurance has six comprehensive coverage plans for customers to choose from.

Endurance is a direct administrator of warranty plans, so there is no go-between when filing claims. You’ll always deal with Endurance directly, which can simplify and speed up the filing process. It’s one of the reasons we think Endurance is one of the most reputable extended car warranty companies.

For more information on this provider, check out our Endurance Review.

Carchex: 4.4 Stars

Carchex stands out from its competitors in part because of its focus on making its plans and pricing easy to understand. It has a No-Haggle, Low-Price, Everyday Guarantee™. Carchex says its salespeople don’t pressure people who call requesting quotes to sign up for service contracts. We found this to be true after calling it as part of our “secret shopper” analysis. It also offers a 30-Day Money Back Guarantee, so you can try out its Extended Vehicle Protection Plans and receive a refund if you aren’t satisfied.

Carchex offers 21 plans that fall into five tiers of coverage. It provides sample contracts online, so you can understand exactly what is and isn’t covered before you agree to a plan. Carchex has earned endorsements from industry leaders and an A+ rating from the BBB.

---

Old Republic Insured Automotive Services Warranty: FAQ

Below are a few frequently asked questions about Old Republic car warranty:

---

How We Rate Warranty Providers

Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

• Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) and a long history of reliable service score well in this category. We also evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
• Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
• Price: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
• Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.

---