CADILLAC PROTECTION


A NEW STANDARD OF PROTECTION

Your Cadillac is the new standard of luxury and performance, and with Cadillac Protection products, you can help uphold that standard. They provide coverage and benefits for your world-class vehicle in addition to your manufacturer’s warranty. From the Pre-Paid Maintenance Plan to help keep your Cadillac performing at its best, to the Cadillac Protection Plan, Cadillac Tire and Wheel Protection Plus, and more, you will have peace of mind knowing you’re protected by products bearing the Cadillac name

FAQ

WHAT COVERAGE LEVELS DOES THE PROTECTION PLAN OFFER?
There are two levels of coverage offered through the Protection Plan: Silver and Platinum. Silver provides basic component coverage, while Platinum covers most mechanical and electrical components on your Cadillac. See your Cadillac dealer for more details on both plans. The Protection Plan includes a number of term and mileage options you can choose from. For more information, see your Cadillac dealer.

WHERE SHOULD I GET MY CADILLAC REPAIRED?
During the term covered by your plan, you may have covered repairs completed at any Certified Service center.

WHAT DEDUCTIBLE LEVELS ARE AVAILABLE?
Deductible levels include $0, $100, and the Disappearing Deductible feature.

WHAT DEDUCTIBLE LEVELS ARE AVAILABLE?
Deductible levels include $0, $100, and the Disappearing Deductible feature.

WHAT IS A DISAPPEARING DEDUCTIBLE AND HOW DOES IT WORK?
The Disappearing Deductible feature provides the ability to waive the $100 deductible when you return to the dealership where you purchased the plan for a repair covered under the plan. If you go to another dealership for a covered repair, you will have to pay the $100 deductible.

HOW DOES THE CADILLAC PROTECTION PLAN COMPARE TO THE GM CERTIFIED PRE-OWNED VEHICLE COVERAGE?
The GM Certified Pre-Owned program provides a 12-Month/12,000-Mile (from date of purchase) Bumper-to-Bumper Limited Warranty, whichever comes first, along with 5-Year/100,000-Mile Powertrain Limited Warranty coverage from the new-vehicle in-service date, whichever comes first.

Every Certified Pre-Owned vehicle from Cadillac comes with a transferable 5-Year/100,000-Mile Powertrain Limited Warranty, plus Roadside Assistance and Courtesy Transportation.

The Cadillac Protection Plan can begin when the GM Certified Pre-Owned coverage expires (subject to a waiting period; see your dealership for details), for whatever time and mileage option you choose to purchase. For more information, see the Protection Plan Vehicle Service Contract.

WHAT IS THE COMMERCIAL-USE SURCHARGE?
It provides your vehicle Protection Plan coverage if you intend to use your Cadillac vehicle for activities such as jobsite activities, delivery of goods, service or repair work, farming, ranching, route work, or snow removal. The Commercial-Use Surcharge is paid at the time of contract purchase.

DOES THE COMMERCIAL-USE SURCHARGE EXCLUDE ANY CADILLAC VEHICLES?
Yes, it excludes vehicles that are being or will be used for the following commercial uses: taxi, rental, limousine or shuttle service, towing/wrecker service, police or emergency service, dumping (dump beds), cherry pickers, lifting or hoisting, principally off-road, or prearranged or organized racing or competitive driving.

WHAT ARE THE TIME AND MILEAGE OPTIONS FOR NEW CADILLAC VEHICLES UNDER THE PROTECTION PLAN?
24 months or 50,000 miles, whichever comes first

36 months or 45,000 miles, whichever comes first

36 months or 60,000 miles, whichever comes first

36 months or 75,000 miles, whichever comes first

36 months or 100,000 miles, whichever comes first*

39 months or 39,000 miles, whichever comes first

39 months or 45,000 miles, whichever comes first

39 months or 60,000 miles, whichever comes first

48 months or 40,000 miles, whichever comes first

48 months or 48,000 miles, whichever comes first

48 months or 60,000 miles, whichever comes first

48 months or 75,000 miles, whichever comes first

48 months or 100,000 miles, whichever comes first*

60 months or 40,000 miles, whichever comes first

60 months or 50,000 miles, whichever comes first

60 months or 60,000 miles, whichever comes first

60 months or 75,000 miles, whichever comes first

60 months or 100,000 miles, whichever comes first*

72 months or 48,000 miles, whichever comes first

72 months or 60,000 miles, whichever comes first

72 months or 75,000 miles, whichever comes first

72 months or 100,000 miles, whichever comes first*

84 months or 56,000 miles, whichever comes first

84 months or 75,000 miles, whichever comes first

84 months or 100,000 miles, whichever comes first*

*Only available if vehicle has less than 50,000 miles on Contract Purchase Date.

WHAT ARE THE TIME AND MILEAGE OPTIONS FOR USED CADILLAC VEHICLES UNDER THE PROTECTION PLAN?
12 months or 12,000 miles, whichever comes first

24 months or 24,000 miles, whichever comes first

24 months or 40,000 miles, whichever comes first

36 months or 24,000 miles, whichever comes first

36 months or 30,000 miles, whichever comes first

36 months or 36,000 miles, whichever comes first

36 months or 45,000 miles, whichever comes first

36 months or 60,000 miles, whichever comes first

48 months or 32,000 miles, whichever comes first

48 months or 48,000 miles, whichever comes first

48 months or 60,000 miles, whichever comes first

60 months or 40,000 miles, whichever comes first

60 months or 50,000 miles, whichever comes first

60 months or 60,000 miles, whichever comes first

60 months or 75,000 miles, whichever comes first

60 months or 100,000 miles, whichever comes first

72 months or 72,000 miles, whichever comes first

72 months or 100,000 miles, whichever comes first

84 months or 70,000 miles, whichever comes first

84 months or 100,000 miles, whichever comes first

Note: 1- and 2-year contracts are available for vehicles up to 120,000 miles. 1-, 2-, 3-, 4, and 5-year contracts are available for vehicles up to 100,000 miles.

FOR USED CADILLAC VEHICLES, WHEN DOES THE PROTECTION PLAN CONTRACT OR TERM OF THE CONTRACT START AND END?
The term covered by the Protection Plan begins on the contract purchase date and mileage at that time (may be subject to a waiting period; see your dealership for details). The coverage term runs through your purchased time and mileage option, whichever comes first.

ARE THERE DIFFERENT TIME AND MILEAGE OPTIONS FOR NEW AND USED VEHICLES COVERED UNDER CADILLAC PLATINUM WRAP COVERAGE?
Yes, the term for the Platinum Wrap Coverage is based on the vehicle you drive. Ask your F&I Sales Representative for details.

CAN I PURCHASE PLATINUM WRAP COVERAGE AT ANY TIME WHILE I OWN MY CADILLAC?
Platinum Wrap Coverage must be purchased at the time of your new- or used-vehicle purchase, and the vehicle must be within the Bumper-to-Bumper Limited Warranty period.

WHAT COMPONENTS DOES THE SILVER PROTECTION PLAN COVER?
The Silver Protection Plan provides inclusionary repair or replacement coverage for select components under the categories listed below that have experienced a covered breakdown, less the applicable deductible:

- Engine covered components

- Transmission covered components

- Transfer case covered components

- Drive axle covered components

- Factory-installed turbocharger/supercharger covered components

- Steering covered components

- Brake covered components

- Electrical and enhanced electrical covered components

- Factory-installed air conditioning covered components

- Seals and gasket coverage*

*Seals and gaskets of covered components designed to prevent the loss of necessary coolants, lubricants, and fluids are covered.

For a complete list of the specific components covered under the categories above, see the Silver Covered Components List in the Vehicle Service Contract.

DOES THE ELECTRICAL COMPONENT COVERAGE INCLUDE TERMS SUCH AS OnStar, FACTORY NAVIGATION SYSTEMS, AND FACTORY-INSTALLED VIDEO COMPONENTS?
Yes, both Platinum and Silver Plans include those factory-installed components.

WHAT COMPONENTS DOES THE PLATINUM PROTECTION PLAN COVER?
The Platinum coverage includes most components on your Cadillac, including all components covered by the Silver Plan. Components that are not covered are those listed in the Exclusions section of the Vehicle Service Contract.

WHAT ARE THE TIME AND MILEAGE OPTIONS FOR NEW CADILLAC VEHICLES UNDER THE PRE-PAID MAINTENANCE PLANS?
Pre-Paid Maintenance Plans conclude on the indicated date, indicated mileage, or when all services listed on the Vehicle Maintenance Services Checklist of the Pre-Paid Maintenance Agreement have been redeemed, whichever comes first.

72 months or 60,000 miles

90 months or 75,000 miles

108 months or 90,000 miles

126 months or 105,000 miles

144 months or 120,000 miles

162 months or 135,000 miles

180 months or 150,000 miles

Lease:

39 months or 39,000 miles

42 months or 42,000 miles

48 months or 48,000 miles

WHAT ARE THE TIME AND MILEAGE OPTIONS FOR USED CADILLAC VEHICLES OR DISCONTINUED GM VEHICLES, OR NON-GM VEHICLES PURCHASED AT A GM DEALERSHIP, UNDER THE PRE-PAID MAINTENANCE PLANS?
Pre-Paid Maintenance Plans conclude on the indicated date, indicated mileage, or when all services listed on the Vehicle Maintenance Services Checklist of the Pre-Paid Maintenance Agreement have been redeemed, whichever comes first.

18 months or 15,000 miles

36 months or 30,000 miles

54 months or 45,000 miles

72 months or 60,000 miles

90 months or 75,000 miles

108 months or 90,000 miles

126 months or 105,000 miles

GLOSSARY

— A —

Actual Cash Value (ACV): The retail value of the covered vehicle, on the date of loss, as listed in a national or regional guide, such as National Automobile Dealers Association (NADA) or, the GAP Administrator’s discretion, the Administrator may use an equivalent national or regional guide for the territory in which the covered vehicle is principally garaged. For a covered vehicle that has no retail value available, or is located in a territory where NADA or an equivalent national or regional guide is not customarily used, ACV will be determined using the best information available to the GAP Administrator, which the GAP Administrator reasonably believes accurately reflects the retail value of the covered vehicle and is customarily used as the basis for establishing ACV for a vehicle in the territory of the covered vehicle’s location.

Administrator: The Administrator as shown on the Registration Page of the contract or GAP Addendum.

Agreement Term: The time and mileage during which a contract is in effect.

Alternate Transportation: The Silver and Platinum Protection Plans will pay the cost to rent a replacement vehicle or for public transportation (up to $40 per day, and a maximum of $280 per each repair visit).

— B —


Breakdown: The failure of a covered part under normal service. A covered part has failed when it can no longer perform the function for which it was designed solely because of its condition and not because of the action or inaction of any noncovered parts. Subsequent damages resulting from the breakdown of a covered part are covered by the Vehicle Service Contract, except when you have failed to perform the recommended maintenance services for your vehicle.

— C —


Cancellation: An act that ends the Contract/Agreement/GAP Addendum earlier than the scheduled contract expiration.

Claim: A request for payment for services or repairs received based on coverage provided by a Vehicle Service Contract, vehicle pre-paid maintenance agreement, or GAP Addendum.

Commercial Use: Vehicles used for farming or ranching, route work, jobsite activities, service or repair work, delivery of goods, and snow removal. Usage must not exceed manufacturer’s ratings and/or limitations.

Consequential Damage: An event or damage that occurs separately as a consequence or result of the failure of a covered or noncovered part, such as loss of time or use, inconvenience, commercial loss, personal injury, or property damage.

Constructive Total Loss: A direct and accidental payable loss of or damage to a covered vehicle that meets one or more of the following criteria:

The total cost to repair the covered vehicle is greater than the ACV of the covered vehicle immediately prior to the date of loss; or

The covered vehicle is stolen and is not recovered within 30 days from the date a police report is filed, and the customer’s/borrower’s primary carrier declares the vehicle a total loss.

Contract: The Vehicle Service Contract that you have purchased to protect your vehicle.

Coverage: The protection you have selected as indicated on the Registration Page of the contract, and as listed in the Schedule of Coverage section.

Customer: The contract holder shown on the Registration Page or the person to whom the contract was properly transferred.

— D —


Date of Loss: The date on which the covered vehicle is reported stolen or incurs physical damage that is severe enough to constitute a constructive total loss.

Deductible: The amount you are required to pay, as shown on the Registration Page, for covered breakdowns.

Delinquent Payment: Any payment, as described in the financing contract that remains unpaid for a period of more than 30 days after the due date stated in the financing contract. The delinquent payment will be determined as of and limited to amounts past due on the date of loss.

Diagnostic: The system investigation required to determine the cause of the failure.
 
— F —

 
Financing Contract: The contract that represents the financing agreement between you and the financial institution/lender for the purchase or lease of the covered vehicle and that explains the terms, conditions, inception date, and expiration date of such contract.

Franchised Dealer: A dealer that is part of a franchise organization

— G —

GAP Addendum: The Guaranteed Automobile Protection contract.

Gray Market Vehicle: A vehicle sold in the United States that has been imported through a channel other than a manufacturer’s authorized distributor, and therefore does not have a warranty that is valid in the United States.

— M —

Maximum Eligibility Limit: With regard to new vehicles, the MSRP of $125,000, and with regard to used vehicles, the NADA retail value of $125,000 or a maximum financing amount of $125,000.

Maximum Payable Loss: The maximum possible amount that can be waived under the terms and conditions of the GAP Addendum, as shown on the first page of the GAP Addendum contract.

Maximum Term: The duration in months shown on the first page of the GAP Addendum contract, under the box labeled “Maximum Term of GAP.”

Maximum Vehicle Financing Percentage: The portion of the financing on the covered vehicle (if any) up to 150 percent of the MSRP (for new vehicles)/NADA (for used vehicles) of the covered vehicle.

MSRP: Manufacturer’s Suggested Retail Price.

— N —

NADA: National Automobile Dealers Association.

Net Payoff: The amount of the financial institution/lender’s interest as of the Date of Loss, as represented by the portion of the customer/borrower’s unpaid balance according to the original payment schedule of the financing contract that is secured by collateral subject to the Limitations of this GAP Addendum. The amount does not include any unearned finance charges; lease or loan charges; late charges; any delinquent payments; uncollected service charges; refundable prepaid taxes and fees; disposition fees; termination fees; penalty fees; the recoverable portion of financed insurance charges; or the recoverable portion of financed amounts for unearned insurance premiums or refundable charges (including, but not limited to credit life, vehicle service coverages/warranties and guaranteed automobile protection charges) that are owed by the customer/borrower on the date of loss; and amounts that are added to the loan or lease balance after the inception date of the financing contract. The Net Payoff calculation also excludes loans or special finance offers that may waive or delay payment of principal and/or finance charges.

— O —

OEM Warranty (Tire and Wheel): The Original Equipment Manufacturer’s warranty attached to your tires/wheels that covers expenses incurred for necessary repairs to fix any defects in material or workmanship.

— P —

Payable Loss: The difference between the net payoff and the primary carrier settlement on the covered vehicle on the date of loss. The payable loss is subject to the maximum vehicle financing percentage and will not exceed the maximum payable loss, as listed on the first page of the GAP Addendum contract. Payable loss includes the amount of the customer/borrower’s physical damage deductible on the primary carrier’s policy, up to $1,000. If there is no primary carrier coverage in effect on the date of loss, or if the primary carrier is declared insolvent, dealer/lender/lessor will only waive the difference between the net payoff and ACV of the covered vehicle as of the date of loss.

Platinum: The Protection Plan’s most comprehensive level of coverage, a vehicle service contract, covering most components of the vehicle as well as providing Roadside Assistance and trip interruption, including towing, as well as rental benefits and lost key/lockout services as described in the contract.

Pre-existing: A condition that within all reasonable mechanical probability relates to the mechanical fitness of your vehicle prior to contract issuance.

Primary Carrier: The insurance company that is selected by the customer/borrower, to provide physical damage coverage on the covered vehicle; or that provides liability coverage to any person who has caused the covered vehicle to incur a constructive total loss.

Primary Insurance Settlement: The GAP Addendum will not provide coverage for loss for any amounts deducted from the primary carrier’s settlement due to wear and tear, mechanical or electrical breakdown or failure, prior damage, unpaid insurance premiums, salvage, towing and storage, and other condition adjustments.

Protection Plan: A Vehicle Service Contract. Certain Chevrolet, Buick, GMC, and Cadillac dealers sell the Chevrolet, Buick, GMC, and Cadillac Protection Platinum and Silver Protection Plans.

Public Roadway: A paved or gravel roadway that is maintained by local or state authorities.

— R —

Registered: The Administrator has recorded a submitted claim and a claim reference number has been issued.

Registration Page: The numbered document that must be attached to and forms part of the contract. It lists information regarding you, your vehicle, coverage selected, and other vital information.

Repair: The necessary labor and parts services the plan provides for an authorized repair facility to restore your vehicle’s tires/wheels when damaged from contact with a covered road hazard.

Roadside Assistance: A part of the Protection Plan coverage that includes 24-hour, toll-free service for flat-tire change, towing, battery jump, locksmith/key service (up to $35 per occurrence), and out-of-gas fuel delivery. The Protection Plan will pay/reimburse for receipted towing/road service expenses (up to $150 per occurrence).

Road Hazard: Damage that results from your tires’/wheels’ contact with a pothole, debris (i.e., nails, glass, rocks, tree limbs), curb, or any other object or condition not normally found on a public roadway.

EXCEPTION: Damage that results from your tires’/wheels’ contact with objects or conditions within a designated construction zone or construction site (i.e., uneven lanes due to repaving, metal plates temporarily covering a hole in the road) is not covered under the terms and conditions of the contract, and should be reported to your vehicle’s automobile physical damage insurance company.

— S —

Self-Financed: A loan/lease that is funded and retained by the selling dealer or an affiliate.

Schedule of Coverage: Lists the coverage provided to you for your vehicle under the contract.

Silver: The Protection Plan’s quality -coverage Vehicle Service Contract.

Subsequent Damage: The direct or immediate damage to a noncovered part occurring as a singular event or failure originating with the failure of a covered part.

Successor in Interest: The party to whom the creditor has assigned his rights and interest in the covered vehicle’s financing contract.

— T —

Teardown: The mechanical disassembly of a failed unit required to determine the cause and the extent of the failure.

Territory: Coverage under the GAP Addendum applies only to payable losses sustained while the covered vehicle is within: the United States of America (USA), its territories or possessions; Canada; or being transported between any of the previously stated.

Tires/Wheels: The tires on your vehicle and original wheels on your vehicle upon delivery to you by your selling Chevrolet, Buick, GMC, or Cadillac dealer, which meet your vehicle manufacturer’s size and specification and are to be covered under the Tire and Wheel contract.  Only replacement tires meeting your vehicle’s manufacturer size and specifications will be covered for the remainder of the contract.

Tire/Wheel Damage: When the covered tire or wheel will no longer hold sufficient air or the tire will not seal to the wheel as a result of contact with a covered road hazard.

Transfer: The act of moving a Protection Plan from the current vehicle owner to the new owner when the vehicle is sold. (An administrative fee may apply.)

Trip Interruption: If you are on a trip and experience a covered breakdown more than 100 miles from home and the repair facility needs to keep your vehicle overnight, the Protection Plan will reimburse you up to $200 per day ($800 maximum) for receipted hotel and restaurant expenses incurred. All work must be completed at a licensed repair facility. No deductible will apply and original receipts must be provided.

— V —

Vehicle (a): The vehicle described on the Registration Page or GAP Addendum.

Vehicle (b): Any four-wheel private passenger automobile, van, or light-duty truck utilized for personal purposes.

Vehicle Service Contract (VSC): An agreement that covers the parts and labor costs associated with the repair of a mechanical failure after expiration of the Original Equipment Manufacturer warranty.

— Y —

You, Your: The contract holder shown on the Registration Page or the person to whom the contract was properly transferred.