DEALER REALITY CHECK
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DEALER SAYS:
"It won't really cover most expensive repairs—too many exclusions!"
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MOTOONE REALITY:
MotoOne covers almost every part except what's specifically listed. It's an exclusionary contract—broader than most dealer plans.
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We Get It - This Sounds Suspicious
Too Good To Be True?
Unlimited mileage, 0% financing, 18,000+ parts covered, any repair shop...
We know it sounds impossible. Here's why it's not.
Too Good To Be True, NOT!
Hello, let me put some proof in that puddin'. - MotoOne Max Care FACTS
Every claim backed by actual contract language. No marketing fluff, just legal facts.
| Hard to Believe? | The Fact | Contract Language |
|---|---|---|
| Unlimited Miles | Yes. Coverage lasts the full term you pick, no mileage cap. | "TERM: The duration of this Contract will be determined by the Term Months and the Term Miles indicated on the Registration Page in the Coverage Inform..." |
| Covers (Almost) Everything | Yes. All parts are covered unless specifically excluded, including seals and gaskets. | "Any part(s), including seals & gaskets, that experience a Breakdown during the Contract Term, EXCEPT for any parts specifically excluded throughout th..." |
| Ok, then what's not covered? | Not covered: Routine maintenance, wear parts (like brakes, wipers), tires, wheels, glass, bulbs, cosmetic items, pre-existing conditions, accidents, and anything on the contract's Exclusions list. | "This Contract will NOT PAY or reimburse You for any part or condition excluded throughout this Contract or for: 1...." |
| You're Protected Even If We Go Out of Business | Yes. Claims are backed by a third-party insurance company. | "Obligations under this Contract are insured under an insurance policy issued by American Commerce Insurance Company, 211 Main Street, Webster,..." |
| Free Rental Car and Towing | Yes. Rental/loaner car up to $50 a day ($250 total per claim). Towing up to $80 per incident. | "TOWING: In the event of a covered Breakdown, the Administrator will reimburse You for reasonable towing charges up to a maximum of $80 per Occurrence...." |
| Deductible is Always $100—No Surprises | Yes. No per-part, per-repair, or hidden deductibles—just a single $100 per repair visit, every time. | "DEDUCTIBLE: The amount You must pay for Covered Services per visit. The Deductible is listed in the Coverage Information section of the Registration P..." |
| 0% Financing, 5% Down, 18/24/30 Month Plans | Yes. 0% interest, only 5% down, with your choice of 18, 24, or 30 month financing—every customer, every time. | "The Contract Purchase Price may be financed with any approved payment options allowed by the Administrator...." |
| We Pay the Shop Directly | Yes. We pay the repair shop—no waiting for reimbursement (except emergencies). | "The Administrator agrees to pay for or reimburse You for Covered Services and the Cost of parts and labor to repair or replace a Covered Part,..." |
| Covers Diagnostic Charges | Yes. We pay for diagnostic labor if the repair is covered. | "The Administrator will pay for reasonable, necessary, and customary diagnostic charges incurred in conjunction with a Covered Service,..." |
| Works for Hybrids, EVs, and High-Tech Vehicles | Yes, including hybrid and EV batteries (if they qualify). | "A HYBRID/EV Battery is ONLY eligible for coverage under this Contract, if the HYBRID/EV Battery meets the requirements herein...." |
| Use Any Licensed Repair Shop | Yes, you can use any licensed shop—not just the dealer. | "REPAIR FACILITY: Any automotive repair facility that has been licensed to perform automotive repairs by the state in which it operates and employs a t..." |
| Cancel Anytime for a Refund | Yes. Full refund in 30 days if no claims, then pro-rata after (minus $50 fee/claims paid). | "CANCELLATION BY YOU: You may cancel this Contract at any time and for any reason, including when a loss of the Vehicle occurs or when You sell the Veh..." |
* All contract language excerpts are from the actual MotoOne Max Care service contract
Download Full ContractThe Dealership Guy Will Say...
Here's what dealers typically say to discourage you from buying MotoOne, and the reality behind each claim.
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