What is Not Covered Under Ford Premium Care: Essential Exclusions Every Owner Should Know

Have you ever wondered what’s really included in your Ford Premium Care plan? You’re not alone. Many Ford owners find themselves surprised when they discover certain services and repairs aren’t covered.

Imagine driving your car to the dealership only to learn that a repair you thought was included will cost you out of pocket. It’s a frustrating situation that can leave you feeling unprepared. This article will clarify what Ford Premium Care doesn’t cover, helping you avoid unexpected expenses and ensuring you know exactly what to expect from your plan. With this knowledge, you can make informed decisions about your vehicle’s care and maintenance.

Key Takeaways

• Exclusions of Coverage: Ford Premium Care does not cover routine maintenance like oil changes, tire rotations, or brake replacements, which can lead to unexpected out-of-pocket expenses.
• Wear and Tear Items: Components that naturally wear down over time, such as brake pads, wiper blades, and tires, are excluded from coverage under the plan.
• Aftermarket Parts: Using non-Ford parts or modifications voids your warranty, meaning any resulting repairs will not be covered.
• Importance of Regular Maintenance: Regularly scheduled maintenance is crucial for your vehicle’s longevity and performance, even though it falls outside the coverage provided by Ford Premium Care.
• Financial Preparedness: Understanding exclusions helps you budget for necessary repairs and avoid surprises when dealing with vehicle maintenance costs.
• Use Authorized Parts: Always opt for original Ford parts to maintain coverage, as they ensure compatibility and prevent potential claim denials.

Overview of Ford Premium Care

Ford Premium Care provides an extensive vehicle service plan that covers various repairs and maintenance. However, it’s crucial to understand the limitations of this plan to avoid unexpected costs.

What Ford Premium Care Covers

Ford Premium Care typically includes:

• Engine Components: Coverage for major engine components like the cylinder block and cylinder heads.
• Transmission: Protection for parts of both automatic and manual transmissions, including the case and internal components.
• Electrical Systems: Coverage for electrical components like alternators and starters.

Understanding what’s covered helps you utilize the plan effectively.

Limitations of Ford Premium Care

Not every repair falls under the Ford Premium Care plan. Here’s a list of common exclusions:

• Routine Maintenance: Oil changes, tire rotations, and brake pads are not included.
• Damage from Neglect: Issues arising from improper care or lack of maintenance aren’t covered.
• Aftermarket Parts: Modifications or replacements with non-Ford parts void coverage.
• Wear and Tear: Components that wear out naturally over time, such as belts and hoses, are excluded.

Real-World Examples

You might face a situation where your vehicle’s brake pads need replacing. While essential for safety, routine maintenance like this isn’t covered under Ford Premium Care. Similarly, if a non-Ford battery is installed and fails, you cannot claim its replacement under the plan.

• Review the Plan: Familiarize yourself with the specifics of your Ford Premium Care plan. Knowing the exclusions can help you budget for potential out-of-pocket expenses.
• Schedule Regular Maintenance: Stay proactive with essential maintenance tasks that the plan doesn’t cover. This can help prevent larger, more costly issues later.
• Use Authorized Parts: When repairs are necessary, using original Ford parts maintains your coverage and keeps your vehicle compliant.

By grasping what’s outside the reach of Ford Premium Care, you can manage your vehicle expenses more predictably and avoid surprises.

Common Coverage Under Ford Premium Care

Ford Premium Care covers several key components of your vehicle, ensuring peace of mind regarding repairs. Understanding what’s included helps you make informed decisions about your vehicle’s upkeep.

Mechanical Components

Ford Premium Care provides coverage for essential mechanical components. This includes:

• Engine Parts: Coverage extends to various engine components, such as oil pumps, water pumps, and timing chains.
• Transmissions: Both automatic and manual transmissions receive protection under the plan.
• Braking Systems: You’ll find coverage for hydraulic brakes, but not for brake pads or shoes, as those count as wear items.
• Suspension: Components like struts, shocks, and control arms fall under the plan’s coverage.

Recognizing these mechanical components helps you understand what major repairs the plan typically supports.

Electrical Systems

Key electrical systems benefit from Ford Premium Care’s coverage, which includes:

• Wiring Harnesses: Protection covers the wiring that connects various vehicle systems.
• Starter Motors: If the starter motor fails due to a covered issue, it will be serviced under the plan.
• Fuel Pumps: Coverage extends to the electrical components associated with fuel delivery systems.

Keep in mind that electronic accessories or aftermarket parts are often excluded, so opting for genuine Ford parts is ideal for maintaining seamless coverage.

What Is Not Covered Under Ford Premium Care

Understanding what isn’t covered under Ford Premium Care helps you manage your vehicle expenses effectively. Several exclusions apply to maintain clarity on your plan.

Maintenance Services

Routine maintenance tasks aren’t covered under Ford Premium Care. This includes oil changes, tire rotations, and fluid checks. For example, if your vehicle needs an oil change every 5,000 miles, you’ll be responsible for that cost. Regular maintenance is essential for performance and longevity but falls outside of the plan’s coverage.

Wear and Tear Items

Items subject to normal wear and tear do not qualify for coverage. Components like brake pads, wiper blades, and tires wear down over time and need replacement. For instance, if your brake pads wear out after extensive use, the replacement won’t be covered. Staying aware of these expenses can help you budget better for your vehicle’s upkeep.

Aftermarket Modifications

Aftermarket parts and modifications void coverage under Ford Premium Care. If you install a non-Ford battery or a custom exhaust system, any related issues won’t be covered. For example, if an aftermarket part leads to engine problems, repairs for those issues aren’t eligible for claims. It’s best to stick with authorized Ford parts to ensure continued coverage and performance.

Benefits of Understanding Coverage Limitations

Understanding the coverage limitations of your Ford Premium Care plan helps in several key ways:

• Financial Savings: Knowing what isn’t covered prevents unexpected repair costs. Avoid situations where you pay out of pocket for issues like brake pad replacements or oil changes, which the plan doesn’t cover.
• Informed Maintenance: Recognizing exclusions lets you plan for necessary maintenance services. Schedule routine checks and services that are critical for your vehicle’s longevity, even if your plan won’t cover them.
• Selecting Parts Wisely: Choosing authorized Ford parts for your repairs ensures compatibility and reliability. Using non-Ford aftermarket parts could lead to denied claims or costly repairs later on.
• Better Decision-Making: Familiarity with what your plan covers helps you make informed decisions about repairs and maintenance. This clarity empowers you to prioritize which services to seek and when.
• Enhanced Vehicle Lifespan: Regular and appropriate maintenance leads to a longer vehicle lifespan. By understanding what maintenance is needed outside of your coverage, you can keep your vehicle in peak condition.
• Avoiding Misunderstandings: Clear knowledge of your plan limits misunderstandings with dealers and repair shops. You’ll interact more effectively with service teams, minimizing conflicts regarding coverage.

By grasping these limitations, you can navigate the requirements of vehicle ownership more effectively.

Conclusion

Being aware of what Ford Premium Care doesn’t cover can save you from unexpected costs down the road. It’s easy to assume that everything is taken care of but understanding the exclusions helps you make smarter choices for your vehicle.

By knowing which maintenance tasks and parts aren’t included you can budget accordingly and avoid surprises. This awareness not only protects your wallet but also enhances your overall ownership experience.

Stay informed and proactive to keep your Ford running smoothly and efficiently.

Frequently Asked Questions

What is the Ford Premium Care plan?

The Ford Premium Care plan is an extended warranty that offers coverage for various car repairs and part replacements. It helps protect Ford vehicle owners from unexpected repair costs.

What does the Ford Premium Care plan exclude?

The plan excludes routine maintenance services like oil changes, tire rotations, and wear and tear items such as brake pads and tires. Additionally, aftermarket parts and neglect-related issues are not covered.

Why is understanding the exclusions important?

Knowing the exclusions of the Ford Premium Care plan is crucial for effectively managing vehicle expenses. It helps you plan for necessary maintenance and avoid unexpected costs.

Can I claim costs for aftermarket parts under the plan?

No, aftermarket parts are not covered by the Ford Premium Care plan. This means any repairs or replacements involving these parts will not be reimbursed.

How can I avoid misunderstandings with service providers?

To avoid misunderstandings, clearly review your Ford Premium Care plan’s contract and communicate with your service provider about what is covered and excluded.

What should I do if I experience a repair issue?

If you face a repair issue, consult your Ford Premium Care plan details first. If the issue falls within the coverage areas, contact an authorized Ford service center for assistance.