Vehicle repairs can be extremely expensive, especially when your factory warranty has expired. This is where extended warranty companies step in — and one of the names you may have come across is MotoAssure. Many car owners search online for MotoAssure reviews, trying to understand whether the company is trustworthy, how it works, and if its plans are worth buying.
In this complete blog, we break down everything you need to know about Moto-Assure — its services, cost, benefits, customer complaints, coverage, and real experiences shared by users in 2025.
This detailed article will help you decide whether Moto-Assure is the right choice for protecting your vehicle.
What Is MotoAssure?
MotoAssure is a third-party vehicle protection company that provides extended service contracts for cars whose manufacturer warranty has expired or is about to expire. Many customers receive phone calls, emails, or mailers from Moto-Assure offering protection plans.
Moto-Assure is not insurance — it works like an extended warranty provider. This means they cover repair costs for specific components of your car based on the plan you select.
Common Systems Covered
- Engine
- Transmission
- Drivetrain
- Electrical components
- Air conditioning
- Fuel systems
- Alternator, starter, and more
MotoAssure also claims to offer perks such as:
- Roadside assistance
- Rental car reimbursement
- Towing service
- Trip interruption coverage
For car owners who drive older vehicles or high-mileage cars, Moto-Assure markets itself as a helpful backup plan.
How MotoAssure Works
Here’s a simple breakdown of how their service typically works:
1. You Receive a Call or Notice
Moto-Assure often contacts vehicle owners when:
- Their factory warranty is near expiration
- Their car is older
- Their mileage is high
Many people receive letters saying:
“Your vehicle warranty has expired. Call us to avoid costly repairs.”
2. You Choose a Plan
MotoAssure offers several plans depending on:
- Car model
- Mileage
- Vehicle age
- Budget
3. Pay Monthly Fees
You pay:
- Monthly premium
- Sometimes a deductible at claim time
4. Use Coverage When Your Car Breaks Down
When a part breaks:
- You take the car to an approved repair shop
- Moto-Assure checks if the part is covered
- If approved, they pay the repair shop directly
This helps vehicle owners avoid sudden heavy repair bills.
MotoAssure Coverage Plans
Moto-Assure does not publicly list detailed plans on its website, but customer reports mention three general coverage types:
1. Powertrain Coverage
Covers major parts like:
- Engine
- Transmission
- Drive axle
- Differentials
Good for older or high-mileage vehicles.
2. Stated Component Coverage
Covers specific listed parts such as:
- Starter
- Alternator
- A/C system
- Electrical systems
Mid-range option.
3. Comprehensive Coverage (Similar to Bumper-to-Bumper)
Covers most mechanical and electrical parts except those specifically excluded.
MotoAssure Pros and Cons (Honest Analysis)
Before buying any extended warranty, it’s important to weigh the benefits and risks. Below is an unbiased breakdown based on real customer experiences. TechSlassh.com
Pros of Moto-Assure
1. Protects You From High Repair Costs
Car repairs can cost:
- Engine repair: $2000–$6000
- Transmission repair: $1500–$5000
- AC repair: $500–$1500
Moto-Assure plans can help reduce or eliminate these costs.
2. Flexible Plans for Different Budgets
MotoAssure offers multiple plan tiers, making it easier for customers to choose according to their budget and car age.
3. 24/7 Roadside Assistance
Some plans include:
- Flat tire assistance
- Towing
- Fuel delivery
- Jumpstart
This adds extra convenience.
4. Easy Over-the-Phone Purchase
You don’t need to visit an office. You can get everything done through:
- Phone call
- Digital contract signing
5. Helps High-Mileage Vehicle Owners
Cars with over 100,000+ miles often struggle to get coverage. Moto-Assure offers options even for older vehicles.
Cons of MotoAssure
1. Claim Denials Due to Exclusions
Many negative reviews state that certain repairs were denied because:
- Parts were not included in coverage
- Damage was classified as “wear and tear”
- Maintenance records were missing
2. Aggressive Sales Calls
Some customers report receiving repeated calls, which can be annoying.
3. Slow Claim Processing for Some Customers
Depending on workload, claims may take:
- 24–48 hours (for some)
- Up to a week (for others)
4. Confusing Contract Language
The agreement includes technical wording, and some customers misunderstood what was covered.
5. Not All Repair Shops Accept Moto-Assure
Some mechanics refuse third-party warranty work, requiring the customer to search for compatible shops.
MotoAssure Customer Reviews (2025)
Moto-Assure has mixed reviews online.
Positive Reviews
Customers who had good experiences mention:
Fast Claim Approvals
Some say repair approvals came within 1–2 days.
Helpful Customer Service
Support agents answered questions and guided them through the process.
Saved Money on Repairs
Drivers with older cars claimed significant savings on major repairs.
Convenient Rental Coverage
For repairs taking longer than 24 hours.
Negative Reviews
The most common complaints include:
Unexpected Claim Denials
Especially for electrical issues or small components.
Coverage Misunderstandings
Customers believed everything was covered but later discovered exclusions.
High Cancellation Fees
Some reviewers stated it was costly or time-consuming to cancel.
Repetitive Phone Calls
Users reported marketing calls even after declining.
Is MotoAssure Legit?
Yes, MotoAssure is a legitimate extended vehicle service provider. It is registered, and many customers have successfully used their plans for repairs.
However, like many extended warranty companies, customer satisfaction depends on:
- Reading the contract thoroughly
- Understanding exclusions
- Keeping proper vehicle maintenance records
- Using approved repair shops
Moto-Assure is not a scam, but it requires careful consideration before buying.
Who Should Consider MotoAssure?
MotoAssure may be a good fit for:
Drivers with an Expired Factory Warranty
Repairs can get expensive once the manufacturer warranty ends.
Owners of Older Cars
Cars older than 7–10 years often need mechanical attention.
High-Mileage Car Owners
MotoAssure provides coverage options up to 150,000–200,000 miles.
People Who Want Peace of Mind
Budgeting monthly instead of paying thousands upfront during breakdowns.
Who Should NOT Buy MotoAssure?
Moto-Assure may not be suitable for:
Drivers who don’t read fine print
Warranty contracts must be understood fully.
Cars with serious pre-existing issues
These issues are usually never covered.
People expecting 100% coverage
No extended warranty covers every part of the vehicle.
MotoAssure Pricing: How Much Does It Cost?
Moto-Assure does not publish prices online. However, customer feedback suggests average pricing:
Monthly Premium: $70–$150
(depends on mileage and vehicle model)
Deductible: $100–$200 per repair
Down Payment: $100–$300
(for some plans)
Factors affecting pricing include:
- Car age
- Mileage
- Luxury vs. standard model
- Type of coverage
- State laws
MotoAssure vs Other Warranty Providers
Here is a quick comparison:
| Feature | Moto-Assure | CarShield | Endurance | Olive |
|---|---|---|---|---|
| Covers high-mileage cars | Yes | Yes | Yes | No |
| Roadside assistance | Yes | Yes | Yes | Yes |
| Rental coverage | Yes | Yes | Yes | Some plans |
| Claims process | Mixed reviews | Mostly positive | Good | Very fast |
| Contract clarity | Moderate | Good | Good | Very good |
| Marketing calls | Frequent | Frequent | Moderate | None |
Tips Before Buying MotoAssure
1. Read the Contract Fully
Understand:
- Exclusions
- Deductibles
- Maintenance requirements
2. Ask for a Sample Contract
Read it before paying.
3. Verify Covered Components
Ask the agent:
“Is this part 100% covered?”
4. Keep All Vehicle Maintenance Records
They may reject claims if the car wasn’t maintained properly.
5. Compare with Competitors
Get at least 2–3 quotes.
Should You Buy Moto-Assure? – Final Verdict
MotoAssure can be worth it if you choose the right plan and fully understand what is covered. It offers useful protection for aging vehicles and high-mileage cars, helping reduce the financial burden of major repairs.
However, claim denials and contract misunderstandings are common issues. That’s why you must read the agreement carefully before signing. Check also Bbb profile
Overall Rating (2025):
3.7 / 5 (Good but not perfect)
Best For:
- Older cars
- High-mileage vehicles
- People wanting financial safety
Not Ideal For:
- Drivers expecting full bumper-to-bumper coverage
- Cars with existing mechanical issues
FAQs About MotoAssure
1. Is MotoAssure legit?
Yes, MotoAssure is a legitimate extended car warranty provider.
2. Is MotoAssure a scam?
No. However, some customers complain about denied claims, so read the contract carefully.
3. What does MotoAssure cover?
Engine, transmission, drive axle, electrical systems, A/C, and more depending on the plan.
4. How much does MotoAssure cost?
Around $70–$150 per month on average.
5. Can I cancel MotoAssure?
Yes, but cancellation fees may apply depending on the contract.
6. Does MotoAssure cover pre-existing issues?
No. Pre-existing mechanical problems are not covered.
7. How do I file a claim?
Take your car to an approved repair shop and ask them to contact Moto-Assure for claim authorization.
8. Does MotoAssure include roadside assistance?
Yes, most plans include towing and emergency assistance.
9. Does every mechanic accept MotoAssure?
No. Some mechanics do not work with third-party warranty companies.
10. Is MotoAssure worth buying in 2025?
Yes — if you understand the coverage clearly and choose the right plan.
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