In today’s automotive world, vehicle repair costs are rising sharply—and many car owners are turning to extended auto warranty providers to shield themselves from expensive surprise repairs. One name that frequently pops up in this industry is motoassure reviews. But how good is this company really? Can it be trusted, and does it actually deliver value for your money?
In this detailed 2500+ word article, we’ll provide a complete overview of motoassure reviews. We’ll explore customer reviews, plan features, coverage details, pros and cons, and how it stacks up against the competition in 2025.
Table of Contents
- What Is MotoAssure?
- MotoAssure’s Parent Company: Omega Auto Care
- MotoAssure Plans & Coverage Options
- What’s Covered (and Not Covered)?
- How Much Does MotoAssure Cost?
- MotoAssure Reviews: What Customers Are Saying in 2025
- Pros and Cons of MotoAssure
- How to File a Claim with MotoAssure
- MotoAssure vs Competitors: How It Compares
- Is MotoAssure Worth It? Final Verdict
- Frequently Asked Questions
What Is MotoAssure?
MotoAssure is a vehicle service contract provider (also called an extended auto warranty provider). These contracts cover the cost of certain vehicle repairs and services after the manufacturer’s warranty expires.
MotoAssure operates under Omega Auto Care, one of the more recognized names in the industry. They market extended service plans to U.S. vehicle owners looking to avoid high repair costs.
Unlike your factory warranty that comes directly from a car manufacturer, MotoAssure’s coverage is administered by a third-party provider.
MotoAssure’s Parent Company: Omega Auto Care
MotoAssure is not a standalone company—it’s a marketing brand under Omega Auto Care. This relationship is important because most of the service contract administration, customer support, and claims processing are done by Omega.
Who Is Omega Auto Care?
Omega Auto Care is a Florida-based provider that’s been in operation since 2007. They offer vehicle protection plans nationwide and are Better Business Bureau (BBB) accredited with a B rating (as of mid-2025).
So while your contract might say MotoAssure, the real service and backend support come from Omega.
MotoAssure Plans & Coverage Options
MotoAssure offers a range of plans designed to meet various vehicle types and owner budgets. While specific details can vary, they generally fall into three tiers:
New Exclusionary Plan
This is MotoAssure’s most comprehensive coverage. It mimics a manufacturer’s bumper-to-bumper warranty and covers:
- Engine
- Transmission
- Suspension
- A/C and heating
- Electrical systems
- Steering components
Used Stated Component Plan
For older vehicles or those with higher mileage. Covers specific components such as:
- Fuel delivery systems
- Brake systems
- Drive axles
- Powertrain
Powertrain Coverage
This is the most basic plan, often cheaper. It includes:
- Engine
- Transmission
- Drive axles
Some customers choose this for the peace of mind that their most expensive components are protected.
Additional Benefits
Most MotoAssure plans also include perks like:
- 24/7 roadside assistance
- Rental car reimbursement
- Trip interruption coverage
- Towing
These extras can add real value, especially for frequent travelers or those with long commutes.
What’s Covered (and Not Covered)?
Like all service contracts, MotoAssure has inclusions and exclusions.
Covered Components (depending on your plan):
- Engine parts (pistons, camshafts, oil pumps)
- Transmission gears and torque converters
- Steering gearboxes and power steering pumps
- A/C compressors and condensers
- Alternators, starters, window motors
- ABS systems and braking hydraulics
Not Covered:
- Routine maintenance (oil changes, tire rotations)
- Cosmetic damage (scratches, dents, paint)
- Interior components (seats, dashboard)
- Aftermarket parts and modifications
- Damage from neglect or pre-existing issues
MotoAssure’s contracts are detailed, and it’s essential to read the fine print to understand what repairs will and won’t be covered.
How Much Does MotoAssure Cost?
MotoAssure’s prices vary depending on several factors:
- Vehicle age and mileage
- Vehicle make and model
- Coverage plan chosen
- Deductible options
Average Cost Estimates (2025):
- Comprehensive Exclusionary Plan: $2,000 – $3,500 (for 3–5 years)
- Stated Component Plan: $1,200 – $2,500
- Powertrain Plan: $900 – $1,800
You can usually choose between paying upfront or in monthly installments, with some plans as low as $80–$120 per month.
Deductibles generally range from $100 to $250 per claim, depending on your contract.
MotoAssure Reviews: What Customers Are Saying in 2025
MotoAssure reviews in 2025 are mixed—with some customers praising the company’s coverage and affordability, while others report dissatisfaction with claims denial or poor communication.
Positive Reviews:
- “I had my alternator go out, and MotoAssure paid for it minus the deductible. Saved me over $900!”
- “Customer service was polite and helpful during my claims process.”
- “The roadside assistance was quick when I had a flat in Texas.”
Negative Reviews:
- “They denied my transmission claim, saying it was due to wear and tear.”
- “Long hold times when calling for support.”
- “The plan didn’t cover the exact part that failed.”
Trustpilot Rating:
- 3.5 to 4.0 stars (based on recent data in 2025)
BBB Complaints:
- Most complaints involve claims denial or unexpected out-of-pocket costs.
While MotoAssure (via Omega) responds to many complaints, it’s vital to understand the fine print to avoid surprises.
Pros and Cons of MotoAssure
Pros:
- Wide range of coverage plans
- Includes valuable extras like towing and rental reimbursement
- Monthly payment options available
- Administered by a relatively well-known provider (Omega Auto Care)
- Works with certified repair shops nationwide
Cons:
- Some reports of denied claims
- Not all repairs are covered—read the contract carefully
- Better suited for newer or mid-mileage vehicles
- Customer service can be hit-or-miss
How to File a Claim with MotoAssure
Filing a claim is relatively straightforward but must follow certain steps:
Claim Process:
- Call before repairs: Always contact the MotoAssure claims line before any repairs begin.
- Take your car to an authorized repair shop: They’ll do the diagnostics and send a report to MotoAssure.
- Wait for approval: MotoAssure will review the estimate and either approve, deny, or request more information.
- Pay the deductible: If approved, you’ll only owe the deductible at the shop.
- Repairs completed: The warranty provider pays the shop directly for approved costs.
Delays or denials can occur if:
- You go to a non-authorized shop
- The issue is deemed pre-existing
- You don’t get prior approval
MotoAssure vs Competitors: How It Compares
MotoAssure vs CarShield:
- CarShield is more widely known but has more complaints about aggressive marketing.
- MotoAssure has fewer plan options but more personalized support.
MotoAssure vs Endurance:
- Endurance has a longer track record and direct administration.
- MotoAssure uses Omega as a third-party, which adds a layer between customer and claims processor.
MotoAssure vs Olive:
- Olive is known for digital simplicity and online quotes.
- MotoAssure relies more on phone reps and sales teams.
Is MotoAssure Worth It? Final Verdict
So, is MotoAssure worth your money in 2025?
It depends.
If you:
- Have a vehicle with expired factory warranty
- Want affordable monthly coverage
- Understand exactly what’s covered and what’s not
- Prefer protection from major breakdowns
…then MotoAssure can be a smart investment.
However, if:
- Your car is very old or already showing issues
- You expect all repairs to be covered (including maintenance)
- You don’t want to deal with third-party approvals
…then you may want to either save for repairs yourself or explore a different provider.
Frequently Asked Questions
Q: Is MotoAssure a scam?
No. MotoAssure is a legitimate brand under Omega Auto Care. While some customers have had bad experiences, many have successfully used their coverage.
Q: How do I cancel MotoAssure?
You can cancel your plan within 30 days for a full refund (minus claims paid). After that, prorated refunds are typically available. Contact customer support directly.
Q: Does MotoAssure cover hybrid or electric vehicles?
Coverage for hybrids and EVs may be limited. Always confirm your vehicle’s eligibility before purchasing.
Q: Can I choose my repair shop?
Yes, but it must be a certified repair facility and willing to work with third-party warranty providers.
Q: How long does a MotoAssure plan last?
Plan durations vary but are typically 3–5 years or up to a specific mileage cap (e.g., 100,000 miles).
Final Thoughts
Extended auto warranties like MotoAssure aren’t for everyone—but for drivers worried about unexpected repairs, they offer real peace of mind. As with any financial product, doing your homework is key.
Make sure to:
- Compare multiple providers
- Read your contract in detail
- Understand the claims process
MotoAssure might not be perfect, but in the right situation, it can help you avoid thousands in repair bills and keep your car running without stress.
