the SecureOne Q&A PDF sheet

Insurance
SecureOne Q & A
Ver: 8.0
Date: Q1 2016
Author: Diana Maldonado
TABLE OF CONTENTS
SecureOne Powertrain Vehicle Service Contract Q & A.………………………………….….............................
Appendix A: SecureOne Claim Process – Flow-Chart……………………………………………..…………….…
Appendix B: Marathon – Flow of Funds………………………………………………………………………………
Appendix C: DayBreak – Itemization Tab……………………………………………………………………………
Appendix D: DayBreak – ESC Tab…………………………………………………………………………………..
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SecureOne Powertrain Vehicle Service Contract
Q&A
1. What’s the term of the service contract?
12 Months or 12,000 Miles
2. What is the cost?
SecureOne Program – Used Car Coverage with $100
Deductible
Applicable to all products in CA for Independent Dealerships only
Mileage
0 - 50,000 Miles
Term
Price
12/12
$995
50,001 - 100,000
Miles
12/12
$1,095
100,001 150,000 Miles
12/12
$1,195
3. What is the dealer’s incentive?
Up to $285.
4. What is the claim process?
Contact or have a representative of the repair facility contact Marathon Group
Administrator’s Claim Department BEFORE any work is performed by calling 800-205-8988.
5. How would cost of the repair be determined?
Marathon determines the cost of parts and labor based upon the online database All Data.
The cost of repairs are based on work study programs that detail the cost of any given
repair. Marathon does not allow for any markup of parts, even when dealing with
dealerships. MSRP is the maximum allowed cost for parts.
Parts & Labor Costs | Example #1: Water Pump Replacement
A claim is opened for water pump replacement for a 2010 Honda Accord EX Coupe, V6 Manual. The All Data Auto
Repair Manual mimics the parts, labor and time associated for the needed repair. Using that total cost, the Marathon
Adjuster compares the repair facilities invoice and ensures that the cost has not been marked up.
6. Is there a limit of liability or coverage?
Yes there is. The total benefits paid or payable under this contract shall not exceed the price
contract holder paid for the covered vehicle (excluding taxes, license, and fees). In no event
will the liability, for each mechanical breakdown under this contract, exceed the actual cash
value (based on the current NADA trading-in value) at the time immediately preceding the
mechanical breakdown. The contract holders liability for incidental and consequential
damages including, but not limited to, loss of use of specified vehicle or resulting
inconvenience, loss of time, storage charges, lodging, other travel cost, income
maintenance, or from the breach of any implied warranties arising by law, is expressly
excluded.
Note: Please refer to Section XII, Subsection #1 in the SecureOne Program TERMS & CONDITIONS for full details.
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7. Is this product cancelable?
Yes, the contract holder may cancel this contract by contacting the administrator to request
cancellation at any time.
a. The contract holder may cancel within thirty (30) days of purchase date, if no claim has been
made, and receive a full refund of the total contract purchase price, less a cancellation fee (see
applicable vehicle service contract for details.
b. The contract holder may cancel at any time and receive a pro rata refund of the total contract
purchase price based on the greater of the days in force or the miles driven compare to the total
contract term, less claims paid and a cancellation fee.
c. The administrator may cancel this contract at any time if the contract holder does not pay the
contract price listed on the decorations page or if the contract holder makes a material
misrepresentation in obtaining the contract or in the submission of a claim.
Note: The dealer’s incentive is affected by all three cancellations listed above.
8. If the product is cancelled, what are the associated chargebacks?
Secure One contains three applicable contracts which detail each chargeback based upon
the State of purchase. Please see below for appropriate chargebacks associated with each
contract.
Policy Cancellation Fee Disclaimer
Applicable
States
Applicable
Contract
#1
Full Chargeback Details
Prorated Chargeback Details
All cancellations made within thirty
(30) days of the purchase date of the
policy will be eligible for a full
chargeback, less any claims paid.
All cancellations made after thirty
(30) days of the purchase date of the
policy:
LA, WI
a) Shall be subject to a fifty dollar ($50.00)
Cancellation Fee.
b) Will be prorated by the time or mileage
from the purchase date of the policy,
whichever refund is less, less claims
paid.
Applicable
Contract
#2
FL
Applicable
Contract
#3
All States
Except
WA, LA,
WI, FL
All cancellations made within sixty
(60) days of the purchase date of the
policy will be eligible for a full
chargeback, less any claims
paid. The chargeback shall also
include an administrative fee. This
chargeback administration fee
cannot exceed 5% of the gross
premium paid by the policy holder.
Please see SecureOne Terms &
Conditions for State specific
chargebacks.
All cancellations made after sixty (60)
days of the purchase date of the
policy will be eligible for a refund of
90% of the unearned pro rata
premium, less any claims paid.
Please see SecureOne Terms &
Conditions for State specific
chargebacks.
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9. Where is this product available?
We are in all states for the exception of Washington.
10. What documents are needed at time of funding?
The only documents required at time of funding are a completely filled out SecureOne’s
Service Contract form and a declaration contract, administered by Marathon Administrative
Co., Inc. It requires the customer and dealer’s signature.
11.
What does it cover?
Powertrain Type
Engine
External
Description of Coverage
(Limited to all lubricated parts, excluding valve seals)
(Intake manifold, Harmonic balancer, the engine block, engine head(s), cylinder
barrels, and rotors housing.) If damage is caused by or resulted from the failure of
an internally lubricated part or manufacture’s defect.
Diesel Engine
Limited to all internal and external part as listed above in the engine section.
Rotary Engine
Rotor, Eccentric shaft, eccentric shaft bearings, all internal and external parts as
listed above in engine section
Turbo/Super
Charger
Internal parts, vanes, shaft and shaft bearings, the housing if damage is caused
by or resulted from the failure of an internally lubricated part or a manufacturer’s
defect.
Transmission
All interlay lubricated parts contained within the transmission case.
External: Torque converter, vacuum modulator, the transmission case, if
damaged is caused by or resulted from the failure of an internally lubricated part
or a manufacturer’s defect.
Transfer Unit – 4X4
All internally lubricated parts contained within the transfer case, the transfer case,
if damage is caused by or resulted from the failure of an internally lubricated part
or a manufacturer’s defect.
12. Who pays for repairs?
Liability of covered repairs applies to Marathon Administrative Co., Inc.
13. What’s the deductible?
Customer is subject to a $100 if unit is repaired at originating dealership.
14. Can a claim be filed immediately?
No! There is a 14 day waiting period. This means, no claims or roadside assistance will be
paid on any claims or failures that occur within the first 14 days from the sale date of the
service contract.
15. Does my Service Contract cover towing?
Yes, Secure One provides a $100 towing reimbursement per occurrence for charges
associated with an authorized repair.
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16. What does this Service Contract cover?
COVERAGES – WHAT THIS CONTRACT COVERS
Engine: Crankshaft and bearings, oil pump, internal timing gears, timing chain, camshaft, camshaft
bearings, valve lifters, rocker arm assemblies and push rods, pistons and rings, wrist pins, cylinders,
connecting rods, distributor drive gear, all internal components of engine block and cylinder heads, if
damage is caused by mechanical failure Of an internally lubricated part. Gaskets and external seals
will be covered if their replacement is necessary to complete an otherwise authorized repair. Cracked
engine block, cylinder heads, and piston cylinders are not covered. Broken crankshaft is covered if
break is caused by either bearings or piston failure. Valve guides are covered only when guide
sleeves have not slipped below original Position.
Transmission/Transaxle: The internal components of the automatic transmission or manual
transmission. Drive chain gears, carrier bearings, and internal transaxle seal. The manual
transmission case and automatic transmission case and torque converter, transfer case, drive gears,
forks, bearing thrust washer, bushing, washer, and housing are covered, if damaged by the failure of
internally lubricated parts.
Differential Assembly Components (2 & 4 wheel drive): (Front & rear) differential housing including
pinion bearings, side carrier bearings, ring and pinion gears, carrier assembly, washers, axles and
axle bearings(internal components).
Cooling System: Water pump, thermostat, mixture control valve, overflow reservoir, radiator cap.
Fuel System: Fuel pump, pressure regulator, fuel injector, fuel cap.
1-Ton: Payload Capacity: Classification coverage for pickup trucks and sport utility vehicles.
Manufacturer payload capacity covers vehicles less than or equal to the maximum allowed 1-Ton.
Turbo/Supercharger: If YOUR VECHICLE is equipped with a Turbo Charger/Supercharger, this
surcharge must be selected on the Declaration Page. The following benefits are provided to YOU: All
internally lubricated parts due to mechanical failure.
4WD/AWD: Drivetrain Type: Coverage for vehicles with a drivetrain that allows all four wheels to
receive torque from the engine. This drivetrain type may be a part-time or full-time system which uses
multiple differential housings. Please refer to Section VIII. “COVERAGES –WHAT THIS CONTRACT
COVERS” for more details regarding the specific differential assembly components.
17. What does this Service Contract not cover?
This CONTRACT does not cover the following:
1. ANY REPAIR OR REPLACEMENT MADE WITHOUT PRIOR AUTHORIZATION FROM
THE ADMINISTRATOR.
2. Repair or replacement of a covered component/part to correct conditions that may reasonably be
assumed to have existed at the inception date of the coverage provided by this CONTRACT (Preexisting conditions).
3. Any parts not listed under covered parts. Examples of parts not covered are: battery, brake
drums, disc brake rotors, brake linings and disc brake caliper pads, shock absorbers, bolts,
nuts, fasteners, standard transmission clutch assembly, and manual and hydraulic linkages.
Passive or active safety and restraint systems and any sensors/components related to the
operations of these systems. All electric powered or hybrid fuel parts including, but not limited
to: electric fuel cells, regenerative braking systems or electronic memory systems.
4. Any breakdown caused by collision, fire, theft, vandalism, riot, explosion, lightning, earthquake,
overheating, freezing, rust or corrosion, windstorm, hail, water, or flood.
5. Any breakdown caused by misuse, abuse, negligence, lack of normal maintenance
(adjustments, alignments, tune-ups, etc.), failure to protect YOUR VEHICLE from further
damage when a breakdown has occurred, failure to maintain proper levels of lubricants and/or
coolants, or if YOUR VEHICLE has been used for racing or any other forms of competitive
driving, plowing snow, or for towing a trailer weighing in excess of 2,000 pounds or any
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vehicle or object unless YOUR VEHICLE is equipped with a factory-installed or authorized tow
package.
6. The repair of valves and/or rings, if the purpose of such is simply to raise the engine's
compression or oil consumption when a mechanical breakdown caused by the failure of a
covered part has not occurred. This is considered normal wear and tear, and not a mechanical
breakdown.
7.
Any alterations which have been made to YOUR VEHICLE, or YOU are using or have used
YOUR VEHICLE in a manner which is not recommended by the manufacturer, including the
failure of any custom or add-on part.
8. INELIGIBLE VEHICLES: Any vehicle not expressly listed on the current CONTRACT rate
card or classification list: Vehicles with True Mileage Unknown (TMU); Vehicles over 1 ton
classification, taxis, buses, and city and state owned vehicles; vehicles used for commercial
purposes, racing competition, time trials or rallies; vehicles modified from manufacturer's
specifications; vehicles not purchased/authorized through a licensed authorized agent;
vehicles with fifth wheel or a snow plow attachment; and vehicles purchased by a minor. Any
vehicle that has been assigned a salvage title as a result of flood or fire damage.
9. Prior repairs which are the subject of any third party warranty or any prior repairs where
there is demonstrable negligence or failure in workmanship; Repairs for which the
responsibility is covered by any warranty of the manufacturer such as extended drive train
coverage, or a repairer's guarantee regardless of their ability to pay for such repair. Further,
coverage under this CONTRACT is similarly limited in the event of a breakdown if the
manufacturer has announced its responsibility through any means including public recalls and
factory service bulletins.
10. Any breakdown caused by contamination of fluids, fuels, use of fuels containing more than
10% ethanol, coolants, or lubricants, or rust or corrosion. Any damage due to loss of fluid is
not covered.
11. Liability for damage to property, or for injury to or death arising out of the operation,
maintenance or use of YOUR VEHICLE described in this CONTRACT, whether or not related to
the part covered.
12. Any loss caused by a lack of proper and necessary amount of coolants or lubricants.
13. Maintenance services and Parts described in YOUR VEHICLE’S owner's manual as supplied
by the manufacturer. These include, but are not limited to: filters, lubricants, coolants, fluids,
refrigerants, alignments, tune-ups, spark plugs, hoses, belts, brake pads, wiper blades, light
bulbs, exhaust systems, trim moldings, upholstery, carpet and paint.
14. Excessive cost to repair or replace a listed part. Reasonable cost being: labor cost to be
determined by a flat rate labor manual (i.e. All Data) multiplied by the customary labor charge for
the repair/replacement of a protected part. The labor rate allowed shall not exceed the national
average labor rate.
Note: Please refer to Section VII (Exclusions) of the SecureOne Service Contract for full details.
16. Can I transfer my Service Contract to another car?
This contract is not transferable.
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17. Do all vehicles qualify?
a. No. See exclusions below:
Vehicle Type
Description of Vehicle
Specialty Use
Vehicles
Vehicles over 1 ton classification, taxis, buses, and city and state owned
vehicles; vehicles used for commercial purposes, racing competition, time trials
or rallies; vehicles modified from manufacturer's specifications by YOU or
with YOUR knowledge.
Modified Vehicles
Any alterations known by YOU which have been made to your vehicle, or you are
using or have used your vehicle in a manner which is not recommended by the
manufacturer, including the failure of any custom or add-on part.
Salvage Vehicle
Any vehicle that has been assigned a salvage title as a result of flood or fire
damage.
Miscellaneous
Any vehicle not expressly listed on the current CONTRACT rate card or
classification list: Vehicles with True Mileage Unknown (TMU); vehicles not
purchased/authorized through a licensed authorized agent; and vehicles
purchased by a minor.
Note: Refer to Section VIII, Subsection #8 in the SecureOne Program TERMS & CONDITIONS for full details.
b. Exclusion list is as follows:
Exclusions
Excluded Vehicles
Other Excluded
Vehicles
Vehicle Make & Model
Acura-NSX; Audi-All S series; BMW-All M series, all 600 series and above,
Alpina; Chevrolet-Corvette Z06/ZR1, SSR; Dodge-Viper; Ford-Mustang
Cobra/Saleen/Shelby, Transit; Hummer-H1; Infiniti-M56; Jaguar-All models with
10 and 12 cylinders, All turbo/supercharged models; Land Rover-All models ;
Lexus-IS F; Mazda-RX7, RX; Mercedes-All AMG models, G Series and SLR;
Mitsubishi-3000GT, Nissan-GT-R, 300ZX; Plymouth-Prowler, Porsche-All models;
Saab-9000;
All Modified Vehicles; All 10 & 12 Cylinder Vehicles, all over 1-ton vehicles and All
Exotic Editions
18. In Florida, how do I sign up to sell Secure One?
Send a copy of your license to sell service contracts to [email protected].
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SECURE ONE
AK
Vehicle Service Contract
WA
MT
ND
ME
MN
VT
OR
ID
NH
MA*
NY
WI
SD
MI
RI
WY
CA
NV
NJ
PA
IA
NE
UT
IL
IN
MD
OH
CO
DE
WV
MO
KS
VA
KY
NC
AZ
NM
DC
TN
OK
AR
SC
AL
GA
MS
TX
LA
HI
FL
Marathon Administrative Co., Inc.
Athens Administrative, LLC.
Consumers Services of Florida, Inc.
Excluded