Covers mechanical breakdowns after your manufacturer warranty expires. Coverage can include comprehensive bumper-to-bumper protection or specific components like powertrain, electrical systems, electronics, climate control, steering, suspension, and technology features. Coverage terms example: "5 years / 60,000 miles." May be transferable when selling your vehicle. Normal wear and tear typically not covered.

Covers the difference between your vehicle's actual value and your remaining loan balance if your vehicle is totaled. Example: vehicle totaled, insurance pays $12,000, loan balance $15,000 — without GAP you owe $3,000; with GAP the difference is covered. Coverage term is typically the duration of your loan, up to 125% of vehicle value. May be cancellable if you pay off your loan early.

Covers damage from road hazards including tire and wheel damage, replacement costs, and mounting/balancing services. Coverage term: 3-5 years. Deductible: $0. May have claim limits (e.g., up to 4 tire replacements per year). Normal wear and tear typically not covered. Replacement tires and wheels can cost $200-$500+ per tire.

Covers lost or stolen keys, damaged key fobs, replacement programming, locksmith services, and emergency lockout assistance. Coverage term: 3-5 years. Modern key fobs cost $300-$500 to replace, plus $100-$200 in programming fees.

Covers windshield cracks, chips, replacement, repair services, and labor costs. Coverage term: 3-5 years. Deductible: $0. Claim limits: unlimited. Windshield replacement can cost $300-$1,000+, and vehicles with advanced driver assistance systems (ADAS) require expensive recalibration.

Covers paint scratches and chips, interior stains and damage, professional detailing, dent repair, and upholstery repair. Coverage term: 3-5 years. May have per-claim maximums.

Covers minor exterior damage including dents, dings, paintless dent repair (PDR), and touch-up paint services. Coverage term: 3-5 years. Repair type: non-invasive paintless dent repair.

Protection products for cash purchases are coming soon. If financing, products are added to your financed amount and costs are spread over the life of your loan.

You can select "No Protection" to decline all additional coverage. There's no penalty for declining, and you can proceed with your purchase without any protection products. The "No Protection" option is always available and adds $0 to your purchase amount.

Yes. Use the "Back" button, return to the protection options page, select a different tier, and submit your new selection. Your order will be updated with the new amount and new documents will be generated if financing.

No. Once you've finalized your purchase, your protection selection is locked in. If financing, changing your selection would require rewriting your entire loan contract, which is typically not possible.

Generally no. Protection packages must be purchased with your vehicle during initial checkout. After your purchase is complete, you cannot add these specific products to your order. Alternatives include purchasing extended warranties from third-party providers or adding coverage through your insurance company — however, these aftermarket options may be more expensive.

No, your APR remains the same whether you add protection products or not. Only the total loan amount, monthly payment, and total amount financed change. Your APR/interest rate and loan term stay the same.

In most cases, yes. Cancellation terms depend on your specific contract with the protection plan provider. Please refer to your contract for the most current information. Ekho supports refunds for any contracts that include refund provisions as part of their terms.