> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ekho.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Protection plans
> What each type of coverage does, and whether it is worth it for you.
Protection plans are optional. You are shown what each covers and what it adds to your payment.
## What each one covers
Covers mechanical breakdowns after your manufacturer warranty ends.
Coverage can be comprehensive, or limited to specific systems such as powertrain, electrical, climate control, steering, and suspension.
Typical terms look like "5 years / 60,000 miles", with a deductible of $0 or around $100 per visit. Often transferable if you sell the vehicle.
**Normal wear and tear is usually not covered.**
Covers the gap between what your vehicle is worth and what you still owe, if it is written off.
Worked example: your vehicle is totalled, your insurer pays $12,000, and your loan balance is $15,000.
* **Without GAP** — you owe \$3,000 on a vehicle you no longer have
* **With GAP** — the difference is covered and you owe \$0
Runs for the duration of your loan, typically covering up to 125% of vehicle value. Often cancellable if you pay the loan off early.
GAP matters most when you finance with a small down payment, because that is exactly when you owe more than the vehicle is worth.
Covers road hazard damage, including replacement and mounting and balancing.
Typically 3 to 5 years with a \$0 deductible, sometimes capped at a number of replacements per year.
Worth considering because replacement tyres run $200 to $500 or more each, especially on performance vehicles.
Normal wear is not covered.
Covers lost, stolen, or damaged keys and fobs, including reprogramming, locksmith call-out, and lockout assistance. Typically 3 to 5 years.
Modern keys are surprisingly expensive to replace.
## Deciding
Ask yourself:
* **How long will you keep it?** Coverage past when you plan to sell is wasted, unless it transfers.
* **What is the deductible?** A \$0 deductible plan is worth more than the headline coverage suggests.
* **Are you financing with little down?** That is the strongest case for GAP.
* **What does it add per month?** Coverage is shown as its effect on your payment, which is the fair comparison.
There is no pressure and no deadline in the room. Read what is covered, and decline anything you do not want. Declining is a normal choice, not a problem.
## Adding coverage later
Protection must be selected **before your paperwork is completed.** Once your documents are done, coverage cannot be added to that purchase.
## After you buy
Your coverage appears in your portal with its terms and documents, so you can find them when you need them.
How to use coverage you bought.