Classic Car Extended Warranty Coverage
Most extended warranties are written for late-model daily drivers. Ours isn't. Frankman offers a vehicle service contract designed specifically for classic and collector vehicles, including coverage for fabricating a part that is no longer manufactured and for vehicles carrying a branded title. Administered by DOWC.
Why Most Extended Warranties Fail a Classic
Ask most warranty companies about a 1969 Camaro and the conversation ends quickly. The vehicle is too old, the title may be branded, or the plan technically covers the car but falls apart the moment you file a claim. The problem usually isn't the coverage language. It's that the parts don't exist anymore.
Age Cutoffs
Standard vehicle service contracts stop at a model-year limit. A car built in the sixties or seventies is ineligible before the conversation starts.
No Parts, No Repair
A contract promises to replace a covered part. If that part hasn't been produced in forty years, a replacement-only plan has nothing to give you.
Title Exclusions
Many plans exclude branded titles outright, which quietly disqualifies a meaningful share of restored and recovered vehicles.
The Two Provisions That Actually Matter
Everything else in a classic car service contract is ordinary. These two clauses are the difference between coverage that pays and coverage that reads well on paper.
Fabrication of Parts
When a covered component fails and no replacement part is available, the contract covers fabricating it. For a vehicle whose manufacturer stopped making the part decades ago, this is the entire point. A plan that only promises to "replace" a covered part offers a classic owner very little.
Branded Title Eligibility
Branded titles are covered rather than excluded. A great many restored, recovered, and rebuilt classics carry a brand on the title through no fault of their current condition, and most contracts use that brand as an automatic disqualifier.
Two Coverage Levels
Coverage is stated-component: the contract lists what it covers, and those components are protected against mechanical breakdown. Which level fits depends on the vehicle and how you drive it: a car that gets trailered to shows has different needs than one you actually put miles on.
Level 1
Mechanical Core- Engine
- Transmission
- Drivetrain
- Seals & gaskets
- Fabrication of parts
- Branded title vehicles
- Dual rear wheels
- Canadian vehicles
Level 2
Everything in Level 1, Plus- Air conditioning
- Braking system
- Electrical system
- Steering
- Suspension
Roadside & Towing
Both levels include reimbursement benefits. Classics break down in inconvenient places, and a tow bill for a vehicle you care about is not the moment to discover you're on your own.
Towing Reimbursement
Up to $250 per towing service.
Roadside Reimbursement
Up to $40 per battery jump start, flat tire change, locksmith service, and fuel, oil, or water delivery.
The Shop Behind the Contract
A service contract is only as good as the shop that honors it. Frankman has sold and serviced classics since 1988, and we run our own restoration department, custom build shop, and full service center on site.
That means the people who sold you the car are the people who fix it. On a classic, that continuity matters more than it does on a late-model sedan: the technician who understands a carbureted V8 or a forty-year-old wiring harness is not on every corner.
Our finance office will walk through what the contract covers on your specific vehicle before you buy, including what it doesn't.
How a Claim Works
Stop driving the vehicle if continuing would cause further damage. Contact the administrator before any repair begins.
The repair facility diagnoses the failure and submits it for authorization. Pre-authorization is required: repairs made without it may not be covered.
Once authorized, the repair proceeds. If a covered part is unavailable, fabrication is addressed at this stage.
You pay your deductible, if one applies. The administrator handles the balance under the terms of the contract.
Classic Car Coverage FAQs
Talk Through Coverage on Your Car
Bring us the vehicle you're considering and we'll tell you exactly what's covered, what isn't, and whether the contract is worth it for that specific car. No pressure, no obligation.
This page is a summary of available coverage and is not a contract. Coverage, terms, conditions, exclusions, and eligibility are governed solely by the vehicle service contract itself, which you will receive and may review before purchase. Coverage is optional and is not required to obtain financing. Obligor and administrator may vary by state. Not all coverage is available in all areas. Frankman Motor Company, 26874 SD Highway 11, Sioux Falls, SD 57108.