Z2 Service Contract
EV Service Contract
Guaranteed Asset Protection (GAP)
Certified Warranty
Lifetime Limited Powertrain Warranty & Wrap
Ancillary Suite of Products

Z2 Service Contract

The advanced technology that is built into today’s vehicles has increased the complexity and expertise needed for even the simplest of repairs. As a result, repair costs and labor rates have risen and will likely continue to do so. The cost of even one future repair may easily exceed the cost of purchasing a service contract.

While it's important to take care of your vehicle in accordance with the manufacturer guidelines, even with the best attention and care to your vehicle, mechanical breakdowns can occur unexpectedly and require costly repairs. The simple truth is that even the most reliable vehicles on the road are at risk for a breakdown, especially as your vehicle ages and accrues mileage. If you have a vehicle service contract, you can drive knowing that you have coverage that will be there even after your manufacturer’s basic warranty has expired, which is when you are likely to need it the most.

We offer four levels of coverage ranging from basic powertrain to exclusionary, which is our top-of-the-line contract that provides coverage for all the parts of your vehicle, unless they are specifically excluded in the contract.


  • Wide range of service contract options
  • No exclusions for normal wear and tear
  • Multiple deductible options to choose from
  • Repair facilities throughout the U.S. and Canada
  • Option to extend coverage before contract term expires
  • No exclusions for covered pre-existing conditions


With any of our service contracts, you have the confidence of knowing that your vehicle has coverage throughout the United States and Canada. You can even choose the length and type of coverage that best fits your driving habits and matches your specific needs. Hopefully you will never have a problem, but driving with a service contract will reassure you while on the road.

In addition to paying for covered repairs, CNA National service contracts include these benefits:

  • Towing and emergency roadside assistance
  • Travel and lodging reimbursement
  • Rental car reimbursement
Vehicle service contract diagram

Valuable features of your coverage


Simply call our toll-free number 24 hours a day, seven days a week for our sign-and-drive service or towing. Or, you can call your own provider and we will reimburse you up to a certain dollar limits.

Rental car

We will pay for a rental vehicle when a covered breakdown occurs.

Travel and lodging reimbursement

We will reimburse your meals and lodging up to an certain amount if you are stranded more than 100 miles from home due to a covered breakdown.

Repair locations across the U.S. and Canada

Your dealership is generally your best option for repair service needs. However, you’ll rest easy knowing that your coverage will be honored at thousands of locations throughout the United States and Canada.


Frequently Asked Questions

What does a vehicle service contract offer that a factory warranty doesn’t? +

Can a vehicle service contract save me money? +

Can the purchase price be included in my monthly vehicle payment? +

What should I do if my vehicle breaks down? +

Where can I take my vehicle for repairs if I’m far from home? +

EV Service Contract

We assembled a team of experts who conducted detailed research across the industry and analyzed internal claims data to develop a service contract focused exclusively on battery-powered electric vehicles.

Electric vehicles are distinctly different from gas-powered and hybrid vehicles. However, most other EV service contracts offer coverage for parts that are not even in the vehicle!


We've been covering electric vehicles with our Z2 service contract for more than five years. Based on the claims data we collected from those contracts combined with exhaustive research and intensive study of these automobiles, we've become the industry expert and built a service contract with the premier coverage that is synonymous with CNA National.


We didn't take the easy way by wedging a battery paragraph into our standard service contract. We built a one-of-a-kind service contract with four levels of coverage—from stated component to exclusionary with battery—designed to be attractive to consumers while also helping protect dealers' losses and reinsurance positions.


We took the initiative and time to learn about these unique vehicles to ensure we could not only offer a top-tier product, but also be able to effectively train and educate all of our clients on the marketing, sale and administration of our EV service contract. As the industry expert, we are your resource.

Levels of Coverage


Stated-component coverage for crucial components with value in mind


The most comprehensive stated-component coverage


Comprehensive exclusionary coverage

Elite Protect
with Battery

Elite protect coverage that includes the propulsion battery

Frequently Asked Questions

Why did CNAN create this product? +

What is different about this new product? +

Is a new dealer agreement or sign-up needed? +

What will the coverage be for the propulsion battery? +

Will the EV service contract be eligible for reinsurance options? +

Guaranteed Asset Protection (GAP) Waivers

When your vehicle is declared a total loss after an accident or theft, the actual cash value as determined by your auto insurance company may be significantly less than the outstanding balance on your loan. We administer multiple GAP Waiver programs that can help cover the difference between the actual cash value of your vehicle and what you still owe.

What is a GAP waiver?

A GAP waiver is designed to reduce or even eliminate amounts remaining on your loan after your vehicle is stolen or is declared a total loss.

When a vehicle is declared a total loss, due to theft or accident, the primary automobile insurance will typically pay the actual cash value of the vehicle at the time of loss. This amount can be less than the outstanding balance on the loan. The difference between the amount paid by the insurer and the remaining balance on the loan is often referred to as the "gap." The owner of the vehicle remains responsible for paying these amounts to the lender.

GAP waivers can help limit this financial obligation by waiving some or all of what is owed, excluding certain items such as past-due payment amounts and late fees. GAP Waivers even include coverage for some insurance deductibles up to $1,000.

GAP waivers are offered as an addendum to your auto loan so must be purchased during the financing transaction.

gap image

Coverage Overview

  • Available for new and used vehicles
  • Can be financed on loans up to 84 months
  • Can be financed on loans up to 150 percent of the MSRP (new vehicles) or NADA retail value (used vehicles)
  • Available for vehicles with a retail sales value up to $100,000

Please see the actual waiver for terms, conditions, limits of liability, exclusions and state-specific provisions that may change your coverage and/or benefits.

Submit a GAP waiver claim

In order to submit a GAP waiver claim, your vehicle must first be declared a total loss by your insurance company. If you have not done so already, please contact your automobile insurance provider.

Visit GAP Waiver Claim Documents to get a list of documents required to submit a claim.

Illustrative example for a $20,000 loan


Your out-of-pocket savings could be substantial:

Let's say your loan balance is: $20,000
Your insurance company says the actual cash value of your lost vehicle is: -$14,000
Leaving you with a "gap" of: $6,000
Primary insurance deductible is: + $500
Total out-of-pocket expense: $6,500
A GAP waiver can reduce this amount to as little as:


For illustrative purposes only. Your individual situation will vary depending on the details of your financing, vehicle specifics and driving history. Some of your loan may remain even after the waiver is applied, due to missed payments, amounts previously due, late fees and other adjustments, including any loan amount that exceeds 150% of the (“NADA”) Official Used Car Guide retail value of your vehicle.

Certified Warranty

Certified vehicles are increasingly important to today's consumers. There is value in knowing a vehicle has been thoroughly inspected and vetted before resale, and CNA National works with select auto dealers to create dealer-certified warranty programs that offer a top level of coverage to help provide that reassurance.


Purchasing a vehicle that comes with a limited warranty helps provide peace of mind against the unknowns that accompany buying a used car. CNA National works with select auto dealers to create certified warranty programs that can help eliminate some of these risks. Customers also have the opportunity to purchase a vehicle service contract that "wraps" around the coverage afforded in the limited warranty, adding additional years and often additional types of coverage that can help guard against unexpected repair costs.


Ask your dealer what type and term of limited warranty they offer. And be sure to ask about CNA National service contracts to wrap the limited warranty!

inside dealership

Lifetime Limited Powertrain Warranty & Wrap

When a dealer offers a Lifetime Limited Powertrain Warranty administered by CNA National, your vehicle is covered for the duration of your ownership. You can even add an optional "wrap" service contract to enhance the warranty with different term options!

pro certified diagram


When your dealer provides you with a Lifetime Limited Warranty administered by CNA National and you choose to buy the Lifetime wrap coverage to compliment the warranty, you can drive with confidence knowing that your vehicle is covered by one of the most comprehensive plans available.

The CNA National Lifetime Limited Powertrain Warranty and Lifetime Wrap program can provide you with mechanical breakdown coverage for as long as you own the vehicle.

Valuable features of your coverage


Simply call our toll-free number 24 hours a day, seven days a week for our sign-and-drive service or towing. Or, you can call your own provider and we will reimburse you up to a certain dollar limits.

Rental car

We will pay for a rental vehicle when a covered breakdown occurs.

Travel and lodging reimbursement

We will reimburse your meals and lodging up to an certain amount if you are stranded more than 100 miles from home due to a covered breakdown.


Ancillary Suite of Products

We can help keep your vehicle looking good, too! Our ancillary product mix is diverse and provides products to protect and maintain your vehicle's appearance, both inside and out. All of our ancillary products are transferrable to the new owner if you sell your vehicle; and, should you have a claim, there are no deductibles. Regardless of which CNA National product you select, our claims process is fast and easy.

Note: Not all products are available in all states and some exclusions apply. Check with your dealership to find out if they are part of our dealer network and if these valuable protection products are available in the state where you live.
tire and wheel

Tire and Wheel +

Paintless Dent Repair (PDR)* +

Interior and Exterior Protection* +

Rust Inhibitor and Undercoating Protection* +

Theft Deterrent* +

Windshield Protection* +

* Not available in all states; see the specific contract for coverage details, restrictions and exclusions.


AIADA BBB Dealers Choice
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Affinity partner of the American International Automobile Dealers Association (AIADA) since 1995

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Finalist in the BBB Business Ethics
Awards for Arizona in 2015

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Voted best provider for 18 years

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