Terms of Service: All-Vehicle Protection Plan

Last Updated: June 4, 2026

This page describes the terms and conditions of the All Vehicle Protection Plan, offered by Deductible Defender and administered by AssurancePlus through cynoSure Financial, Inc. ("Administrator"). By enrolling in this plan, you agree to the terms below.

Plan Benefits

Your All Vehicle Protection Plan includes the following benefits for the 12-month membership period:

1. All Vehicle Deductible Reimbursement

Reimburses your auto insurance deductible after a covered collision or comprehensive claim, up to $1,000 per loss. There is no limit to the number of claims per 12-month period. Applies to non-commercial vehicles you own or lease, including automobiles, ATVs, golf carts, motorcycles, snowmobiles, boats, personal watercraft, and RVs. Requires an active auto insurance policy. Benefits are effective on your enrollment date. The Deductible Reimbursement benefit extends to the Member's Legal Spouse, provided the spouse is on the same insurance policy.

2. All Vehicle Mechanical Repair Reimbursement

20% reimbursement of eligible mechanical repair costs paid to a licensed repair facility, up to $500 per repair and $1,000 maximum per 12-month period. Applies only to repairs made after a 30-day exclusionary period from your enrollment date. Routine maintenance, wear-and-tear items, tires, batteries, and cosmetic repairs are not covered.

3. Emergency Travel Expense Reimbursement

If your vehicle breaks down more than 100 miles from your primary residence and must be towed overnight, you may be reimbursed up to $100 per night for lodging (maximum 5 nights) and $100 per day for meals (maximum 5 days) per 12-month period. Receipts are required. You must notify the Administrator within 30 days of the incident.

4. Personal ID Restoration Consulting

If you become a victim of identity theft, a dedicated ID Recovery Advocate will be assigned to help restore your identity and credit history at no additional cost for the duration of your membership. Services are provided by cynoSure Financial, Inc.

5. Warranty Vault™

A complimentary online service to store and organize your consumer product warranties. Access at assuranceplus.com/WarrantyVault using your Benefit Identification Number.

Benefit Period

Your plan is active for 12 months from your enrollment date. Renewal notifications will be sent prior to your renewal date.

Cancellation Policy

You may cancel and receive a full refund within 30 days of your enrollment date, provided no claims have been filed. After 30 days, the All Vehicle Protection Plan is considered fully earned and non-refundable.

How to File a Claim

To initiate a claim, contact the Plan Administrator:

Online: assuranceplus.com/claims
Phone: 877-296-4892, Monday–Friday 8:00 AM–8:00 PM EST

Your Benefit Identification Number (from your welcome letter) is required to file a claim.

Plan Administration

Benefits are administered by AssurancePlus through cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080, and underwritten by an AM Best A-rated carrier.