Are Oil Changes Covered Under an Extended Car Warranty?
When shopping for an extended car warranty, one of the most common questions drivers ask is: “Does it cover oil changes?” It's a fair question — regular oil changes are crucial to keeping your engine running smoothly and avoiding costly repairs. But when it comes to extended warranties, the answer might surprise you.
Understanding Extended Car Warranties
An extended car warranty, often referred to as a Vehicle Service Contract (VSC), is designed to cover repairs and replacements for major components after your factory warranty expires. Depending on the plan, it might cover items like the engine, transmission, electrical system, air conditioning, and more.
However, these plans are focused on unexpected breakdowns, not routine upkeep.
So, Are Oil Changes Covered?
In most cases, no — oil changes are not covered under a standard extended warranty. They fall into a category known as maintenance items, which typically also includes:
- Tire rotations
- Brake pads and shoes
- Spark plugs
- Filters
- Fluids (including oil and coolant)
- Wiper blades
These are considered the owner’s responsibility to maintain on a regular schedule.
Why They’re Not Covered
Extended warranties are meant to protect you from mechanical failures due to defects or wear, not from lack of maintenance. In fact, most warranty contracts will require you to keep up with your oil changes and other routine services. Failing to do so could void your coverage if a breakdown is linked to poor maintenance.
What Are Your Options?
If you’re looking for coverage that includes oil changes and other maintenance items, you may want to consider:
- Prepaid Maintenance Plans – These plans bundle oil changes, inspections, and other routine services for a set price.
- Manufacturer Service Packages – Some automakers offer service plans that extend beyond the factory warranty.
- Dealer Add-Ons – Ask your dealership if they offer oil change packages or service plans alongside an extended warranty.
Final Thoughts
While extended warranties offer peace of mind for unexpected repairs, they don’t typically include oil changes. That said, maintaining your vehicle regularly is one of the best ways to avoid using the warranty in the first place.
Tip: Always read the fine print of your warranty or service contract so you understand exactly what’s covered — and what’s not.
— Neil Coker