Is An Assurant Extended Service Plan On Ebay Worth It

Alert: Internet Vehicle Scams on Craigslist and Other Non-eBay Sites

eBay's Vehicle Purchase Protection covers but certain vehicle transactions that are completed ON eBay.com. If a Craigslist or non-eBay seller 'promises' you the eBay protection program, this is fraud and yous should walk abroad. Learn more.

Common warning signs:

Vehicles advertised well below what it is worth may be tempting, but should be a ruddy flag. If information technology appears too adept to exist true, it probably is.
You are unable to see the vehicle in person outset or accept information technology physically inspected prior to payment
There is an urgency to complete the sale rapidly because the seller has a health or family issue, is beingness deployed to the military, moving out of land/state or is going through a divorce/marriage
Seller pushes to get money in advance and transferred through a fast payment method, or sent to a fake escrow account to avoid you every bit the buyer losing out on the deal before another heir-apparent purchases the item kickoff

Criminals desire to lure you into feeling safety and may also disguise their websites or emails to await like they are from eBay, when they are not. View additional warning signs and examples of vehicle scams.

Vehicle Buy Protection

Important reminders:

Vehicle Purchase Protection is but offered on transactions that are completed on eBay.
eBay discourages the utilise of offline transactions, including payments made via Moneygram, Western Wedlock or gift cards. These types of payments are often associated with fraudulent transactions.
Vehicle Purchase Protection does not comprehend any impairment on vehicles x years old or older (10-twelvemonth threshold is based on model year).
Vehicle Purchase Protection does not embrace any damage on a vehicle listed with anything but a "clean" title.
For items purchased on or later on September one, 2016, your eligible vehicle purchase is protected for up to $100,000 or the buy price paid, whichever is lower. For items purchased prior to September 1, 2016, your eligible vehicle purchase is protected for upward to $50,000 or the vehicle purchase toll, whichever is lower.
See additional exclusions to the coverage of Vehicle Purchase Protection below.

Overview

Vehicle Purchase Protection (VPP) provides protection, against sure losses associated with fraud, up to a maximum amount of your purchase price paid (not exceeding $100,000) for purchase of an eligible vehicle on ebay.com or through the eBay mobile application. The types of fraud that are more often than not covered are:

non-delivery of the vehicle,
undisclosed defects in the championship, and certain undisclosed defects with the vehicle. VPP is automatically included at no additional price when yous complete the purchase of an eligible vehicle on ebay.com or eBay mobile applications.

VPP is not an insurance policy, a warranty, a solution for buyer'south remorse, or a substitute for buyer diligence (i.east. pre-purchase research and inspection). We encourage you lot to perform appropriate research and exercise proper intendance and judgment in the purchase of any vehicle.

VPP is managed by an contained service provider (the "VPP Ambassador") that is not affiliated with eBay Inc. ("eBay"). All VPP requests will exist candy by the VPP Administrator. Restrictions and limitations are fix forth below.

What's covered?

Purchases are covered past VPP when all of the following criteria are met:

Successful buy* of, and payment for, a vehicle with a purchase price of more than $100, listed in the eBay Motors Vehicle category ("eligible vehicle").
This is your first reimbursement request under VPP in the last 180 days.
The buyer, the seller, the vehicle (on the buy date), and the financial institutions making and receiving the payment, are all located in the U.Southward. or Canada.
You obtain the VPP Ambassador'south prior written consent before altering, repairing, selling, or releasing possession of the vehicle before a determination is made on your reimbursement asking.
You are able to provide the VPP Administrator with documentation to substantiate all purchase payments and/or estimates for repair, related to your reimbursement request within xiv days of your reimbursement request.
Yous comply with the filing deadline and requests from the VPP Ambassador (regardless of whatsoever aircraft delays you experience).

Purchases are covered by VPP in the situations below:

You pay for a vehicle or send a refundable eolith for a vehicle and never receive the vehicle.
You pay for a vehicle and receive information technology, only suffer a loss because:

The vehicle was determined by a law enforcement bureau to take been stolen prior to your buy.
The vehicle has an undisclosed or unknown lien against its title.
The vehicle brand, model or year is different than what was described in the seller's listing at the time you placed your bid or offer. Note, still, that VPP does non protect you if the seller'south description was inaccurate with respect to the vehicle's sub-model, trim packages or special editions.
You did not receive a title from the seller (and a title is required past both your state and the seller's state) and it's not possible to obtain a title from the appropriate DMV.
The vehicle had a title with one of the following undisclosed brands (salvage, rebuilt/rebuildable, unrebuildable, reconstructed, scrapped/destroyed, junk, lemon, manufacturer buyback or inundation/water impairment) at the fourth dimension of the end of the listing. (This protection is non available for vehicles listed in the Dune Buggy, Race Machine or Trailer categories.)
The vehicle is less than 20 years old and has more than than a 5,000 mile odometer discrepancy from the mileage stated in the seller's listing. (This protection is only bachelor for vehicles listed in the Car & Truck and RV & Camper categories.)
The vehicle is less than x years old (based on model year) and has undisclosed damage to the (a) engine, (b) manual, and/or (c) torso/frame (each a "qualifying component"). The toll of repair to each qualifying component must exceed $1,000. For vehicles listed in the Bus, Commercial Truck, and RV & Camper categories, the cost of repair for the undisclosed impairment to each qualifying component must exceed $1,500. For vehicles listed in the Boat category, the cost of repair for the undisclosed damage to each of the engine or the hull must exceed $1,500. This protection is non available for vehicles listed in the Race Auto or Aircraft categories. Vehicles that are subject to a recall for this type of impairment are not eligible for VPP.

Non covered

Purchases and/or associated losses are Non covered past VPP in the examples below:

Vehicle Status

Any damage on vehicles 10 years old or older (x-yr threshold is based on model year).
Regular maintenance and fluid levels.
Normal wear and tear, including only not limited to belts, hoses, tires, brakes, bushings, joints, spark plugs and wires, interior features, small-scale dents, pigment chips and scratches.
Sure components

Harm to any component (other than the combustion engine, transmission, and/or torso/frame), including but not express to the vehicle'south interior, exhaust, air conditioner, electric (including the bombardment or other electrical components of a hybrid or electric car's engine), suspension, cooling arrangement, turbo charger, fuel organisation, differential, clutch/torque converter, and/or pollution control devices; or
Damage to qualifying components that does not exceed $one,000 (or $one,500 for vehicles listed in the Boat, Jitney, Commercial Truck, RV and Camper categories).

Harm after purchase - Damage or loss caused during aircraft or otherwise after purchase.
Corrective impairment, such as pigment or external surface rust.
Unverifiable damage.
Whatever impairment on a vehicle listed with anything but a "make clean" title.

Sending a non-refundable deposit for a vehicle and not receiving the vehicle, or a refund, because you chose not to complete the transaction or pay the remaining residue for any reason.

Castigating damages, lost profits, loss of work, travel expenses, or restocking costs.

Misstatements nearly the type of title brand, for a vehicle listed with annihilation but a "make clean" title.
Failure to receive a certificate of title for a vehicle that was listed with a championship brand or with the title existence described every bit annihilation but "clean".
Receiving a title that is not signed, is improperly assigned, or receiving a championship merely not beingness able to register the vehicle (unless y'all are unable to title the vehicle due to an undisclosed lien against its title).
Losses based on a vehicle classified as "theft recovery" or "previously stolen" but recovered by a law enforcement agency prior to being listed on eBay.

Heir-apparent'due south remorse.
Any damage or listing discrepancies that were disclosed to you lot prior to taking possession of the vehicle.
Any damage that could have been discovered upon a reasonable inspection before you paid for and picked up the vehicle in person.
Whatever damage that does non impact the prophylactic or operability of the vehicle.
Repairs or alterations made by yous to the vehicle without the consent of the VPP Administrator.
Inspection costs, warranty fees, taxes paid, or any other fees or expenses that are non expressly covered under these Terms and Atmospheric condition.
Transactions occurring off-eBay or on whatsoever other website.

How to request reimbursement?

We find that the footing for many reimbursement requests is oft a simple misunderstanding betwixt a buyer and a seller. As a result, we encourage you to first endeavor to resolve whatever issues through communicating with the seller.

If y'all can't resolve the issue with the seller, submit a reimbursement request no later than 45 days** after the listing stop date. You would generally receive a reimbursement determination and payment (if approved) inside 45 days subsequently the reimbursement request was submitted.

Upon eBay'south review of your reimbursement request, you will be provided with instructions to submit your request directly to the VPP Administrator. The VPP Administrator volition contact you within a couple of business days to obtain additional details most your request and to talk over the appropriate side by side steps. You volition be required to substantiate your asking by providing, for example, damage estimates from no fewer than two approved service facilities (at your expense) or allowing the VPP Administrator to inspect the vehicle at whatever fourth dimension.

Any action taken past y'all during the review process without the VPP Administrator's consent, that impairs the VPP Ambassador's ability to mitigate whatsoever potential loss, will void your eligibility for VPP reimbursement.

eBay and the VPP Administrator will determine: (ane) whether you are eligible to participate in the VPP program, (2) whether you take suffered a loss, (three) if the loss was acquired by the type(s) of fraud that qualify for a VPP reimbursement and (four) the reimbursement amount.

** In that location are two situations in which the fourth dimension for filing a reimbursement request may be extended:

If you larn that your vehicle is a stolen vehicle, y'all will have 365 days from the date that the listing ended to file for reimbursement.
If you receive the vehicle but do not receive the title, or learn that information technology is subject to an undisclosed lien, you volition take 90 days from the appointment that the listing ended to file for reimbursement.

How much will the reimbursement amount exist?

In each case, including the examples outlined beneath, the maximum amount you may receive is limited to the purchase toll, not exceeding $100,000, for items purchased on or after September 1, 2016. For items purchased prior to September ane, 2016, your eligible vehicle purchase is protected for upwardly to $50,000 or the vehicle purchase price, whichever is lower.

Examples:

If you lot pay for the vehicle, but don't receive information technology, y'all will receive your purchase cost corporeality paid, up to $100,000.

If y'all pay for the vehicle, but later on taking possession observe that there is an undisclosed lien against the championship, you will receive the lesser of: (i) the purchase cost paid and (ii) the amount necessary to articulate the undisclosed lien, upward to $100,000.

If you pay a refundable eolith, but do not complete the purchase and the seller doesn't refund your deposit, yous volition receive your deposit paid, up to $100,000.

If you suffer a loss from undisclosed damage to a qualifying component of a vehicle y'all purchased, you lot volition receive the cost of repairs determined by the lower of all replacement/repair estimates from two approved services facilities.

If you lot suffer a loss based on a year, brand, model or odometer misrepresentation (higher up 5,000 miles, in vehicles less than 20 years quondam), the devaluation amount of the vehicle will be adamant past the difference betwixt the buy cost and the Nothing clean retail value (see nadaguides.com).

In cases of extensive devaluation, or where part replacement costs are a significant percentage of the purchase price, the VPP Administrator may do their option to reimburse the purchase toll (non exceeding $100,000), and have possession of the vehicle. If you refuse this offer, then the VPP Administrator may offering you a cash settlement of a discounted percentage of the buy price.

Incidental fees or expenses that the buyer and seller negotiate outside of eBay are not covered by VPP.

Shipping reimbursement
If you qualify for a reimbursement and the VPP Administrator takes possession of the vehicle or the vehicle is returned to the seller with the consent of the VPP Ambassador, you lot will be reimbursed for original shipping fees upwardly to a maximum of $800, provided that you lot originally used a licensed shipper to send the vehicle from the seller to you.

Outcome of other reimbursements
VPP protection is secondary to whatsoever other avenue of recovery. As such, any recoveries reimbursed or credited to you by whatever third party volition be deducted from the reimbursement amount.

If the seller pays and/or offers you a settlement equal to, or improve than, the amount y'all are eligible to receive under VPP, y'all will not be eligible to receive any payments under VPP.

Termination or Amendment

eBay may terminate VPP or change these Terms and Conditions with or without notice to yous. The Terms and Weather of the VPP program specified on this page at the time that you purchased your vehicle volition utilize. Information technology is your responsibleness to periodically review these Terms and Weather condition to ensure y'all are familiar with them at the time of your buy.