Fair Warranty

Fair (Fair Warranty) is a vehicle protection company offering extended auto warranties, structured as vehicle service contracts that cover mechanical and electrical breakdowns after a manufacturer's warranty expires. Plans are tiered: a Powertrain level covering engine, transmission, drive axle and transfer case; a Standard/Gold level adding steering, electrical, air conditioning and related systems; and a Premium/Platinum exclusionary level positioned as closest in scope to a manufacturer's warranty, including enhanced engine, transmission and electrical coverage and hybrid-specific parts. Separate New Owner and Existing Owner plan families exist, with New Owner plans applying to vehicles purchased within the prior two weeks and being the only plans that cover EVs.

Coverage extends to more than 1,000 parts, and the company states it covers over 6,000 vehicles nationwide. Eligibility is limited to vehicles up to 10 years old with up to 150,000 miles at sign-up, with coverage capable of running to roughly 190,000 miles at expiration; exotic, commercial, heavily modified, off-road and salvage-title vehicles are excluded. Plans include 24/7 roadside assistance (towing, jump-starts, tire changes, lockout, fuel delivery, winching), trip interruption reimbursement for food and lodging during overnight repairs more than 150 miles from home, and rental car or rideshare reimbursement for covered repairs exceeding four hours of labor. Standard exclusions cover routine maintenance, wear items, cosmetic damage, pre-existing conditions, unauthorized repairs and damage from accidents, neglect or misuse.

Customers can use any licensed repair facility in all 50 states and choose their own mechanic, with pre-approval required before covered repairs. Claims can be filed online through a customer dashboard or by phone. Terms include a 30-day/1,000-mile waiting period, plan transferability to a subsequent vehicle owner, and a money-back guarantee (stated as 30 days on the company's site and 60 days in third-party review coverage), followed by prorated refunds.

Business model

Fair sells vehicle service contracts (not auto insurance) covering mechanical and electrical failures after the factory warranty expires. It acts as a direct warranty provider, administering and paying claims itself rather than routing them through third-party administrators, and pays repair facilities directly where possible so that customers cover only their deductible. Default deductible is $100, with $250 and $500 options available on request.

Revenue comes from the sale of vehicle service contracts, offered either as a flexible monthly subscription or as a pay-in-full purchase, with no long-term commitment and cancellation permitted at any time. Customers also pay a per-claim deductible.

Traction

As of March 2025 Fair reported a 5.0-star Google rating from 16 reviews and a 4.4-star Trustpilot rating from 17 reviews, and stated that most claims are processed within 12 hours. The company's site cites coverage of more than 6,000 vehicles nationwide and access to a network of over 7,000 preferred repair shops via OpenBay.