Abstract: An expandable protective liner for protecting the rear cargo area of a vehicle which is defined by a floor, a pair of opposing side wall portions, a tail gate portion, and a seat back portion. The liner comprises a planar member with a front end, a rear end and two sides. A side panel extends from each of the sides of the planar member. A rear panel extends from the rear end of the planar member and a front panel extends from the front end of the planar member. At least two fold lines are formed across each of the side panels and the planar member so that the side panels and planar member can be partially folded over one another in order to be able to change the length of liner.