Transparency is our priority, which is why we clearly distinguish between mechanical failure (a part that breaks) and wear and tear (a part that is designed to be replaced). Understanding this difference is the key to knowing exactly how your vehicle protection plan works when you visit the shop.
Key Takeaways:
- Mechanical Failure: A sudden, unforeseen break in a part that should last the life of the vehicle (e.g., a transmission gear or alternator).
- Wear & Tear: Parts designed to diminish over time through normal use (e.g., brake pads, tires, shock absorbers, and wiper blades).
- The Gray Area: Components like struts and seals are often covered for failure but excluded if they are simply worn beyond a certain mileage.
- Maintenance Requirements: To keep your failure coverage valid, you must perform your routine wear maintenance as scheduled.
At Obvi, we believe in being the Insider for our customers. Dealerships often use vague language to hide what isn’t covered; we do the opposite. We want you to know exactly where the line is drawn so there are no surprises at the service counter.
1. The Brake System Example
If your brake pads wear down to the metal, that is wear and tear; you pay for the pads. However, if your ABS control module glitches, that is a mechanical/electrical failure. Under an Obvi Elite plan, the $1,200 ABS module is covered.
2. Suspension: Failure vs. Sag
In 2026, many SUVs use electronic or air suspension. If a compressor fails or a sensor stops reading, that’s a covered failure. If your tires are wearing unevenly because you haven’t had an alignment in three years, that is a maintenance issue. Keeping your car aligned protects the covered steering components from premature stress.
3. Seals and Gaskets
This is where Obvi stands out. While many budget warranties exclude seals and gaskets, we include them in our Elite and Premium plans. If a head gasket blows (failure), you’re protected. If an engine is simply sweating a tiny bit of oil (wear), it may not be a claim yet, but we monitor it to ensure a major leak doesn’t develop.
Transparency is the Obvi way. See the full list of covered components and drive with confidence. Get Your 60-Second Quote
FAQ: What’s Covered?
Q: Are light bulbs covered?
A: Light bulbs are considered routine wear items and aren’t covered. LED headlight assemblies and HID components are also excluded from our protection plans.
Q: Does the warranty cover my tires?
A: No, tires are strictly wear and tear. We recommend checking your tire pressure monthly to protect your covered axle and suspension parts.
Q: What if a covered part is damaged by a non-covered part?
A: This is why maintenance is key! We generally cover the failed protected component, but consequential damage from neglected maintenance is often excluded.