1. Pre-Existing Condition(s): Any Vehicle found not to be in good mechanical order at the time this Contract is placed on the Vehicle, or any Failure that occurred prior to the purchase of this Contract. Any Breakdown and/or Failure, whereby the cause of Failure occurred due to a condition that pre-dated the purchase of this Contract shall also be expressly excluded from Coverage.

2. Any Breakdown that occurs during the Waiting Period of this Contract, if one is indicated on the Application Page of this Agreement.

3. For damage to a covered part caused by the Failure of a part that is not listed as covered under this Agreement.

4. When the responsibility for the repair is covered by an insurance policy, or any warranty from the manufacturer, such as extended drive train, major component or full Coverage warranties (regardless of the remaining manufacturer’s warranty when You purchased this Agreement), or a repairer’s guarantee warranty regardless of their ability to pay. Further, Coverage under this Agreement is similarly limited in the event of a Breakdown if the manufacturer has announced its responsibility through any means, such as a recall.

5. Any covered repair not authorized in advance by Us, except those Emergency Repairs, as outlined in SECTION III. WHAT TO DO IN THE EVENT OF A FAILURE OR BREAKDOWN of this Contract.

6. Breakdowns where there has been continued operation of an impaired Vehicle.

7. Any aftermarket part or component that was installed in the Vehicle to replace an original manufacturer’s part or component that is salvaged or was not replaced in accordance with the manufacturer’s recommended specifications.

8. Repairs when Your Vehicle’s odometer reading does not reflect the true mileage the Vehicle has been driven for whatever reason.

9. Any Breakdowns caused by any modifications, alterations, and/or additions to Your Vehicle, or if any modifications, alterations, and/or additions have been made to Your Vehicle You are using or have used Your Vehicle in a manner not recommended by the Manufacturer, including but not limited to, the Failure of any custom or add on/aftermarket part regardless if supplied by a franchised Dealer or not, all frame or suspension modifications, lift kits (unless the Lift Kit Option is shown on the Application Page and not to exceed 6 inch of combined lift), oversized/undersized tires or wheels not recommended by the original manufacturer (unless Lift Kit Option is shown on the Application Page and not to exceed 6 inches greater than the Manufacturer’s specifications), trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmissions modifications, and/or drive axle modifications, VGP – Essentials ORI GF US Form Number 202001 ORI GF US Page 6 Rev. 070121 which includes any performance modifications.

10. Any Breakdowns caused by any use of Your Vehicle not recommended by the manufacturer, or if Your Vehicle is used for towing (unless Your Vehicle is equipped with a factory installed or factory authorized tow package), or is used for Commercial Use (unless the Commercial Use Option is shown on the Application Page and only as defined under Commercial Use Option in SECTION VII. ADD-ON COVERAGE OPTIONS of this Agreement), or is used for snow removal (unless the Snow Plow Option is shown on the Application Page of this Contract), rental, taxi, limousine, livery, or shuttle, towing/wrecker service, road repair, construction, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency service, off-road use, pre-arranged or organized racing, or competitive driving.

11. Repairs made outside of the United States and Canada.

12. Repairs required because of technician negligence, detonation, sludge or carbon deposits caused by negligence, contamination, rust and corrosion caused by negligence, and/or operation without the proper lubrication levels or fluid type.

13. Damage caused by pre-ignition detonation, pinging, improper/contaminated fuel including fuels containing more than ten-percent (10%) ethanol if the engine was not manufacturer for this mixture, excessive fuel conditions, lean fuel conditions, clogged fuel injectors, improper lubricants, or improper engine adjustments. Any mechanical Breakdown caused by Failure to maintain proper levels of lubrication, lubricant blockage, coolant blockage, lack of lubrication, or carbon buildup in cylinders.

14. Repairs required because You did not properly maintain Your Vehicle, as outlined in this Contract and/or Your failure to properly maintain Your Vehicle based off manufacturer’s recommended maintenance guidelines or advice given by a Repair Facility or Dealership.

15. Repairs required because of fraud, collision, abuse, negligence, neglect, misuse, road hazards, off-road racing or use, vandalism, riot, theft, fire, war, acts of God, or the loss that is normally covered by Casualty and/or Collision insurance. Loss, damage, or expense resulting directly or indirectly from any intentional, dishonest, fraudulent, criminal or illegal act committed by You, Your employee or agent, or occurring due to confiscation or repossession.

16. Hybrid and electric batteries are expressly excluded from Coverage.

17. Repairs that are covered under a repairer’s guarantee or another Service Agreement Provider’s Coverage, and/or repairs that are covered under an insurance policy, or a manufacturer and/or Dealer customer assistance program or Service Agreement.

18. For any of the following parts: hoses, brake pads, brake linings/shoes, wiper blades, belts, thermostat housing, shock absorbers, carburetor, air springs and air struts, headlight assemblies, taillamp assemblies, blind spot sensors, heated steering wheels, coolant reservoir tanks, fuse boxes (including SAM Modules and Total Integrated Power Modules), Oxygen (O2) sensors, vacuum pumps, battery and battery cable/harness, standard transmission clutch assembly, friction clutch disc and pressure plate, distributor cap and rotor, safety restraint systems (including air bags), glass, lenses, sealed beams, light bulbs, LED lighting, fuses, circuit breakers, cellular phones, personal computers, pre-heated car systems, game systems, sun shades, radar detection devices, brake rotors and drums, gas cap/filler neck, weather strips, trim, moldings, bright metal chrome, upholstery and carpet, paint, outside ornamentation, bumpers, body sheet metal and panels, frame and structural body parts, vinyl and convertible tops, any convertible top assemblies, door handles, lift gate handles, tailgate handles, door bushings/bearings, hardware or linkage, tires, tire pressure sensors, wheel/rims, programming, reprogramming, or updating or maintaining a component that has not mechanically failed. Any equipment not installed by the manufacturer. External nuts, bolts, and fasteners are not covered unless they need to be replaced in connection with a Covered Repair. Engine block and cylinder heads are not covered if damage is caused by external overheating, freezing, or warping. Any other part not listed in SECTION IV. COVERAGE of this Contract.

19. The Costs of teardown, disassembly, or assembly when a Breakdown is not covered by this Agreement.

20. Any regular maintenance services as described and/or recommended by Your manufacturer.

21. For any safety related maintenance events required by Your state or the manufacturer of Your Vehicle or a Breakdown caused by the continued operation of the Vehicle in an overheated condition irrespective of thermostat Failure or the lack of proper and necessary amounts of coolants or lubricants.

22. For any repair or replacement of any Covered Part if a Breakdown has not occurred or if the wear on that part has not exceeded the field tolerances allowed by the manufacturer under normal operating conditions.

23. Any repair that has been misdiagnosed by the Repair Facility and/or any cause of Failure that cannot be verified as accurate or is found to be inaccurate.

24. All Commercial Use Vehicles, unless the Commercial Use Option is shown on the Application Page. If the Option is shown, then only those Commercial Usages listed in SECTION I. DEFINITIONS of this Contract are eligible for Coverage. Any Vehicle used for towing (unless Your Vehicle is equipped with factory installed or factory authorized tow package), or used as a commercial unit (unless appropriate Option is marked on the Application Page and is defined in SECTION VII. ADD-ON COVERAGE OPTIONS of this Contract), or used for rental, taxi, limousine or shuttle, towing/ wrecker service, dumping, cherry pickers, lifting or hoisting, police or emergency service, off-road use, prearranged or organized racing, or competitive driving. Any Vehicle that has been issued a restricted title, including but not limited to: gray market, total loss, salvage/refundable, salvage theft, assembled, dismantled, scrap, fire, flood, physical damage, saltwater, frame change, motor change, body exchange, junk or parts only.

25. Our liability of incidental and consequential damages including, but not limited to, personal injury, physical damage, property damage, loss of use of Your Vehicle, loss of time, loss of wages, inconvenience, and commercial loss resulting from the operation, maintenance, or use of Your Vehicle is expressly excluded.

26. Any and all emissions and/or exhaust components are excluded from Coverage.