Does Your Extended Warranty Cover Your Water Pump?


We’ve talked a lot about how important coolant is to your engine, and how the presence of coolant where it’s not supposed to be can help you diagnose a number of problems.

What we haven’t talked about is what actually circulates the coolant around your engine. That changes now!

It’s called the coolant pump.

Well, at least it SHOULD be called the coolant pump, but for some reason, it’s called the water pump even though the coolant it’s circulating through your engine should never be more than 50% water.

In fact, most coolants don’t need water added at all.

But for some reason, it’s still called the water pump and not the coolant pump.

The good news is even though it’s named incorrectly, your water pump is covered by your extended warranty if you have one through Protect My Car. Even our lowest cost plan, the Driveline, covers your water pump repair. Even better, so do some of our competitors, so if you have one of their plans you’ll likely be covered too.

We’ll get to that in a bit, though. For now, we need to make sure the part that’s going bad is really your cool- ahem- water pump.

What Does The Water Pump Do?

As previously mentioned, your water pump is responsible for circulating coolant through your coolant system. It maintains the operating temperature of the engine based on an internal thermostat in conjunction with your engine’s computer.

The water pump moves coolant through to the engine block through a system of hoses, where the coolant absorbs heat from your engine’s cylinders. The hot coolant then flows through your radiator hose and into your radiator where the high surface area of the radiator’s fins cools the coolant.

Then the process starts again. It’s like the definition of insanity. Only you’d be insane not to respect how important this system is to your engine’s health. If your water pump breaks, your engine can overheat.

That’s bad.

Signs Of A Bad Water Pump

The number 1 sign of a bad water pump is your engine starting to overheat. However, a number of things can cause engine overheating that isn’t your water pump, so relying on this alone could lead you to ignore another issue, like a radiator leak or a blown head gasket.

Over its life, your water pump can freeze up, suffer from worn bearings, or have the shaft seal fail. If that happens, you’re probably looking at a bill around $400-$500 depending on how difficult it is to replace it. It can be very difficult to get to the water pump, especially if you happen to have an import like a Jaguar.

Be prepared for an expensive money pit to be an expensive money pit if so.

1: Coolant Leak

Follow your nose here. Coolant smells sweet. If you notice a coolant leak towards the front of your car, it could be your water pump has a blown shaft seal or something similar. However, coolant on its own isn’t a dead giveaway. Many parts of the engine can leak coolant. If you notice the coolant underneath your car, you’ll need to get under the hood if you want to get a better idea of what’s what.

2: Look For Deposits Around Your Water Pump

(Image Source:

If your fuel pump is busted, you’ll start to notice a buildup of coolant around the fuel pump. This shitty mixture can sort of gel up around the outside and cause your fuel pump to rust. If you’ve had the slow leak for a while, it can cause small pits to appear on the metal mounting surface.

While this isn’t a dead giveaway either if your car is leaking coolant and your water pump is covered in shite, your water pump probably has a slow leak and it’s time to replace it.

3: Can You Hear Me?

If the belt driving the water pump is loose, you’ll hear a noise that increases as you press the gas pedal. Sometimes the belt itself just needs to be tightened, or your tensioner needs to be replaced. Luckily, both of these are fairly simple.

However, if you hear a grinding or growling noise that sounds like your stomach hasn’t seen food in about 3 hours, pay attention to it. Your water pump likely has a bad bearing, which means you’ll need to replace your water pump.

4: Things got…steamy.

If you miss these signs and start noticing steam coming out of your engine, your coolant system has failed somehow and you need to stop driving and get to a mechanic ASAP. It could be your water pump. Regardless, you need to stop driving. Luckily, since you have an extended warranty you have 24/7 roadside assistance. Call a tow truck and get your car to a mechanic. Something needs fixing.

So that begs the question, once you get to the mechanic, which extended warranty plans will cover your water pump repair?

Does Your Extended Warranty Cover The Water Pump?

The short answer is almost certainly. I’ve already mentioned you’ll be covered by our Driveline policy. The same is true of your manufacturer’s warranty, which should also cover the water pump, considering it’s a vital part of your coolant system which is covered by just about every warranty.

But what about the other 3rd party extended warranty companies out there?

Protect My Car

Direct Contract Provider: Yes

Plans That Cover Water Pump: Driveline, Select, Supreme

Notes: All of our plans, from our lowest cost to our most comprehensive plan cover the water pump as part of the coolant system. You’re always covered with Protect My Car.

Endurance Warranty

Direct Contract Provider: Yes

Plans That Cover Water Pump: Select Premier, Secure, Secure Plus, Superior, Supreme

Notes: All of Endurance’s plans cover the water pump, much like Protect My Car.


Direct Contract Provider: No

Plans That Cover Water Pump: American Auto Shield Power Train, American Auto Shield Enhanced Power Train, American Auto Shield Platinum, American Auto Shield New Car Diamond

Notes: All of the policies CarShield offers include coverage for your water pump. However, CarShield is not a direct provider and instead sells policies for American Auto Shield, a 3rd party company.


Direct Contract Provider: No

Plans That Cover Water Pump: CARCHEX Care By Royal Bronze, American Auto Shield Bronze, Royal Administration Services Centennial, CARCHEX Care By Royal, American Auto Shield Powertrain Plus, Allegiance Gold, CARCHEX Care By Royal Gold, American Auto Shield Deluxe, American Auto Shield Platnium, CARCHEX Care By Royal Platinum, Royal Administration Services Premium, Allegiance Premium, CARCHEX Care By AAS Titanium Plus, CARCHEX Care By AAS Titanium, American Auto Shield Diamond, CARCHEX Care By Royal Titanium, Royal Administration Services Ultimate, Allegiance Ultimate

Notes: All of Carchex plans cover the water pump, however, Carchex doesn’t sell its own policies, much like Carshield. Carchex instead sells policies for American Auto Shield, Royal Administration Services, and Allegiance.

What Is A Direct Warranty Provider?

Now, if you’re also considering getting a vehicle service contract you should know what a direct provider is. It’s an important distinction that is worth talking about.

A direct warranty provider is a warranty company that administrates and services its own claims, legally speaking. What that means, is when a direct warranty provider sells you an extended warranty, they are responsible for paying your claims, as well as handling any customer service issues that arise.

Direct providers can offer lower prices for their plans and better customer service because everything is handled in house. 

Currently, only Protect My Car and Endurance are direct warranty providers.

Other extended warranty companies aren’t selling their own plans.  When you buy a policy with them, they then transfer the responsibility for your future claims to a 3rd party finance company. They get paid, and then that finance company that you didn’t choose becomes the legal entity responsible for paying your claims.

This can be a huge hassle. Claims take longer to get paid, and we’ve seen prices that are more expensive.

That’s not to mention that the 3rd party finance company has no connection to you as a human being and has every financial incentive to pay as little as possible on your claim.

With over 13 years in this business, everyone will tell you that choosing a direct warranty provider is the best way to go. You’ll avoid getting a run around from claims agents, and instead will get help from a real person who wants to see you off smiling.

Want To Get The Best Extended Warranty For Your Water Pump? Choose Protect My Car & Save

Protect My Car is far from “any” extended warranty company – and our coverage of your water pump is far from the only thing that sets us apart. Our lowest-cost plan, the Driveline covers more than the basic coverage you’ll get from other extended warranty companies, including your starter, and important bits like your air conditioning, windshield washer pump, and alternator.

Best of all, we’re able to do this at a lower price than our competitors because we’re a direct warranty provider.

As a proud direct warranty provider, you’ll never be mistreated when you join us. There’s a reason our average review score (TrustPilot, Consumer Affairs, BBB) is a 4.3/5.0, and I want you to find out why.

We know there are a number of other great extended warranty companies out there, we know we’re the best and we want to prove it to you.

That’s why, for a limited time, we’re giving away $50 dollars in rewards just for getting a quote with us. From there, you’ll be able to shop all of our different plans, online, with no phone call needed. You can even buy your extended warranty policy in less than 5 minutes and have your water pump covered and ready to go.

Because we’re a direct warranty provider, you may find that our plans are significantly cheaper than what you’re paying right now.

So don’t wait, get your free quote today and claim your $50 dollars in free rewards. You’ll be one step closer to not having to shell your hard-earned dollars for a water pump repair.  

About Protect My Car

Protect My Car is an extended auto warranty company. Our goal here at Protect My Car is to eliminate your worry of being financially responsible for an expensive mechanical breakdown. With our extended auto warranty, you don’t have to worry about being fully burdened with the cost of a covered repair.