If the product stops working if you don’t pay the maintenance fee then it’s a subscription model with an initial down-payment. Car maintenance doesn’t fall into the annual fee model, as much as manufacturers and dealers would like, you don’t have to use them for periodic repairs or servicing. Car features that require yearly renewals (navigation and the like) would be subscriptions with a one-time free trial.

One time purchase plus yearly renewals to keep the product operating are one shaky legal grounds.