About Endurance Auto Warranty

By Derek Lakin
HighYa Staff
Published on: Feb 28, 2017

Endurance Auto Warranty is an insurance-backed company whose vehicle service contracts promise to help you protect the investment you made by potentially saving you thousands of dollars on auto repairs.

Endurance tells us their auto warranties are honored at any of the more than 350,000 licensed, ASE certified repair facilities in the US (note: no coverage in CA). Also, their direct-to-consumer model claims to cut out the middleman and save you up to 50%, compared to purchasing a vehicle service contract through a dealership.

And after obtaining an honest, upfront, hassle-free, and complimentary quote for your make and model, you can have coverage in a matter of minutes.

If the manufacturer’s warranty is about to expire on your car, you might be panicked wondering what you’ll do if something goes wrong.

After taking a deep breath and relaxing a bit, you want to know: Is there anything necessarily unique about Endurance that makes them more worthy of your money than their vast competition?

That’s precisely what we’ll help you explore here, starting with the coverage provided by their auto warranty plans.

What Are the Main Differences Between Endurance’s Coverage Plans?

Overall, the are four different Endurance Auto Warranty plans, all of which are subject to a mandatory 30 to 60-day waiting period (and 1,000 miles) before coverage takes effect. This will be determined at the time you apply.

On the other hand, Endurance does not require an inspection of your vehicle.

Important note: We’ll quickly outline some of the primary differences between each of these plans here. However, since they all involve detailed contracts and lots of legalese, we strongly recommend contacting Endurance directly if you have a specific coverage question.

Endurance Premier

If you need to cover a high-mileage vehicle, Endurance’s Select Premier plan covers air conditioning, cooling system, drive axle assembly, electrical components, engine, fuel system, seals and gaskets, transfer unit, transmission, 24/7 roadside assistance (one service per 72 hours; serviced through Nation Motor Club), and rental car benefits ($30 per day, $150 total per claim).

Note: According to the Endurance representative we spoke with, there isn’t a minimum mileage requirement for the Premier Plan. In other words, it will be determined if your vehicle meets the definition of “high mileage” at the time of application.

If your vehicle is deemed a total loss, Endurance won’t pay more than $12,500, or the actual cash value under the Premier plan, as “determined by the NADA average trade-in value at the time of repair.”

Another big difference is that, according to Premier’s contract:

“You are required to follow the maintenance schedule that applies to your driving habits and climate conditions. Failure to follow the manufacturer’s recommendations that apply to your driving habits and climate conditions may result in the denial of coverage.”

While this is common for most auto warranty companies, we called Endurance for some clarification and learned that it’s possible for them to deny a claim based on missed/improper service that occurred before you took out the policy.

This could be for something as minor as missing an oil change (or changing the oil yourself), or as major as failing to change transmission fluid at 45,000 miles (for example).

In short, whether you choose Endurance or another auto warranty company, it’s immensely important that you’ve followed—and continue to follow—the manufacturer’s recommended maintenance for your vehicle, and that you have the services performed by professionals.

Endurance Secure

We’re told Secure is the company’s most affordable coverage option, intended to cover vital—and often expensive—components like the drive axle assembly, engine, seals and gaskets, transfer unit, transmission, turbocharger/supercharger, 24/7 roadside assistance, and rental car benefits.

This option also provides the option for a disappearing deductible, as long as you agree to have the vehicle repaired at Firestone or AAMCO.

Compared to the Premier plan, Secure’s limit of liability is, “the lesser of, the average trade-in value of the Vehicle as provided by the NADA Guides or the purchase price of the Vehicle as provided by a Bill of Sale.”

Endurance Superior

Endurance’s Superior plan is their highest level of stated component coverage (specifically outlines which parts are covered, and for which perils), and includes everything in the Secure plan.

Superior also adds air conditioning, brakes, cooling system, electrical components, front and rear suspension, fuel system, and steering coverage.

Endurance Supreme

Supreme is Endurance’s only all risk auto warranty, which means that, instead of specifically naming all the coverages available (like in the other plans), it provides coverage unless something is specifically excluded.

As a result, Endurance tells us this is their most comprehensive “bumper-to-bumper” coverage.

How Much Does an Endurance Auto Warranty Cost?

The friendly, helpful Endurance representative with spoke with let us know that the main factors impacting price are your vehicle's year, make, model, and mileage, as well as the plan you choose. As a result, the premium will differ a great deal between consumers.

With this said, we found a blog post on the Endurance website from July 2, 2014 indicating that the average cost is $350 to $700 per year.

Also, while Endurance’s auto warranties are transferrable to other individuals and vehicles, you may be subject to a $50 transfer fee (the rep let us know this is generally waived when transferring between vehicles).

All Endurance Auto Warranties come with a 30-day money back guarantee. In order to request one, obtain a quote, or ask general coverage questions, customer support can be reached at 866-432-4443.

What Are Endurance Auto Warranty Customers Saying In Their Reviews?

On ConsumerAffairs.com, Endurance Auto Warranty had an average rating of slightly less than five stars at the time of our research, based on 650 reviews.

There, most compliments referenced knowledgeable, helpful customer service representatives, while the most frequent complaints related to claims issues (delays, declined coverage).

Note: When researching Endurance customer reviews, we found that the bulk of positive feedback only related to basic customer service issues, such as answering questions, changing address, and correcting billing issues—but not necessarily related to the policy paying out when needed.

On the other hand, nearly every customer complaint seemed related to problems with the claims process. This was regardless of the site we visited, including popular options like Yelp and TrustPilot.

Granted, we’re certainly not saying this is what you can expect with your Endurance Auto Warranty. Instead, we’re just reporting the trend.

From a company perspective, Endurance Warranty Services, LLC, is based out of Northbrook, IL and has been in business since 2006.

They had an A+ rating with the Better Business Bureau, based on 657 customer reviews and 234 closed complaints, as of 2/21/17. There, as elsewhere, most compliments referenced helpful customer service, while most complaints related to poor support and denied claims.

Pro tip: As we discussed earlier, one BBB reviewer noted that you can’t perform your own maintenance, so be sure to factor in this added expense if you currently handle most of your basic upkeep.

Who Backs & Supports Endurance Auto Warranties?

Although Endurance administers (i.e. services) most of their auto warranty plans, they’re backed by Wesco Insurance (part of AmTrust Financial Services, Inc.) based out of New York, NY. The company has been in business for decades and was rated A (Excellent) by A.M. Best at the time of our research.

Endurance’s roadside assistance services are provided by Nation Motor Club, LLC, who also held an A+ BBB rating as of 2/21/17. Despite this, their 22 closed complaints frequently referenced long response times and claims issues.

Are Vehicle Service Contracts a Good Idea? What the Pros Have to Say

While the pitch is convincing, most authoritative websites we encountered during our research claimed that extended warranties and vehicle service contracts might not save you as much money as you might think—or any at all.

According to Consumer Reports, their internal survey conducted in 2013 found that “55 percent of owners who purchased an extended warranty hadn’t used it for repairs during the lifetime of the policy. And, on average, those who did use it spent hundreds more for the coverage than they saved in repair costs.”

Specifically, they noted that the net loss per contract was $375, leading to lower overall satisfaction ratings than all other products and services surveyed by the company.

In another article, Consumer Reports notes that vehicle service contract companies often have reputations for denying claims because customers can't prove the vehicle was maintained according to the manufacturer's recommendations. Which brings us back around to the point we mentioned at the beginning.

If you’re still convinced you need one, they recommend closely scouring the fine print for limitations.

Specifically, the Federal Trade Commission recommends keeping in mind that you should ensure they:

  • Don’t duplicate any warranty coverage, if one remains on your vehicle (common for power train)
  • Are transferable to a new owner if you sell the vehicle, as well as any associated fees
  • Are underwritten by an insurance company with a solid financial rating, which references their ability to pay claims

Endurance vs. Other Auto Warranty Companies: Which Is Right For You?

With the exception of the first bullet point above, which will vary by customer, you can see that Endurance Auto Warranty seems to meet all the basic criteria for a solid auto warranty or extended vehicle contract company.

On top of this, Endurance seems to have a mostly positive online customer reputation when it comes to basic services, although—similar to most other auto warranty companies like CarTection, Toco Auto Warranty, and Warranty Direct—their most common complaint was an inclination to deny claims.

Keep in mind that you’ll also find that most other popular vehicle contract companies offer varying coverage plans and some type of refund, so Endurance doesn’t seem to be meaningfully different in these respects, either.

Finally, it’s important to point out, that, per Endurance’s privacy policy, they can “send you information from our marketing partners and other third parties through online marketing communications, such as emails. We are not responsible for the practices of our marketing partners, advertisers, or other third parties.”

While we’re certainly not claiming anything about Endurance, and we didn’t read any related reports from customers, handing over your information to unregulated third parties is a prime method of obtaining unwanted sales calls and spam.

» For Further Reading:

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Read 82 Endurance Auto Warranty Customer Reviews and Complaints

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Average Consumer Rating: 2.1
Rating Snapshot:
5 star: 19 4 star: 2 3 star: 1 2 star: 3 1 star:  57
Bottom Line: 27% would recommend it to a friend
Showing 1-11 of 82
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  • 3 out 3 people found this review helpful

    Scam

    • Asheville, NC,
    • Aug 16, 2019
    • Verified Reviewer

    I purchased my policy 5 days ago and it stated in 24-48 hours I'll receive a digital copy of my policy to view. I wait and wait so I called Endurance and was told well sir, we will send you a sample of my policy. What, a sample, that clearly is a sample of a John Doe policy with my same coverage. Five days Endurance failed to provide me with a copy of my policy saying what's all listed and coverage but they can verbally tell me. This is a scam people, be aware! My $199 supposed to be returned in 3-5 business days but they failed to provide me with proper documentation saying that in my email, so I'm waiting for it...

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    RIP OFF INSURANCE

    • Florida,
    • Aug 14, 2019
    • Verified Reviewer

    Do not buy insurance from this company. I purchased in 2018 and advised that I would be having service done in Canada - was told it wasn't a problem - NOW because my mechanic entered my mileage as Kilometers Endurance accused me of rolling back my odometer. I explained that the Canadian mechanic made an error as my USA car is in miles and the subsequent USA services clearly show the odometer slowly getting larger. They denied my claim and said that they could never cover me because of the 2014 odometer reading error. I asked why did you sell me insurance in 2018 if you had no intention of covering me. FRAUD - I want my full refund and I will go elsewhere. DO NOT BUY FROM THEM!

    Bottom Line: No, I would not recommend this to a friend

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  • 3 out 3 people found this review helpful

    Endurance would not pay my claim

    • Durham, NH,
    • Aug 13, 2019
    • Verified Reviewer

    If you buy an insurance policy from Endurance be sure to read it word for word, they hang on to the wear and tear statement in their policy to not pay claims. My water pump stopped working and my radiator developed a leak and I had two ignition coils go bad and Endurance said that those were wear and tear items and they refused to pay the claim. They said they only cover defects in electrical systems and manufacturer defects. Endurance looks for every way possible not to pay the claim and they’re adamant that wear and tear is the reason most parts fail and they will not pay for them. You should coach your auto repair representative on what to say when they call Endurance to report the damages for the repairs that need to be made to your car. They need to be very specific that the parts did not wear out but the parts failed due to manufacture issues. I recommend not using Endurance they are a rip off and scam artists and they only take your money and do not pay your claim in return. I have hired an attorney to help me with my claim and I will let you know if it is resolved favorably.

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    This place is full of crap, and if there are any good reviews it's coming from someone who works there

    • Illinois,
    • Aug 12, 2019
    • Verified Reviewer

    First, let's just say whenever different people have the same complaint, it's true. I've been paying my policy for over 6 months now. I took my vehicle to Ford because of the noise I was hearing in the steering wheel. There was a diagnostic test done. Endurance set an inspector out, he called Endurance from Ford to approve it, he was told that a written approval had to be sent over, however, after waiting over the weekend just for the Ford dealership to hear, it wasn't approved. I've noticed they would find anything to not take care of the unlimited warranty I have with them. This company is a RIP-off and needs to be given ZERO stars, and they don't deserve that!

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    Scam

    • West Berlin, NJ,
    • Aug 8, 2019
    • Verified Reviewer

    Purchased a 2016 Toyota Corolla in October 2018. Have a warranty with Toyota as part of my contract with CarShield.

    Been receiving letters from "Endurance" Insurance Company indicating that my price will increase on my warranty contact. And if I don't contact them, my warranty on my car will increase. Called them up and they said that I have car insurance through them. I don't. They were trying to convince me that I do have car insurance through them. My warranty is through "CarShield."

    Many times when we buy a car with warranty insurance, we forget the name of the insurance company because it is part of the contract when we buy a car. Check your contract and call them to take you off their list. If you don't, you will wind up paying an increased warranty fee. I called again and they took me off their list. Note: I really had to convince them that I did not have insurance with them.

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    Very poor customer care and automotive knowledge

    • Washington DC,
    • Aug 1, 2019
    • Verified Reviewer

    Filed for a claim with Vanos, timing problems where the explanation of the problem was the gears failed and were replaced. With that failure and need for replacement was them becoming misaligned and in need of additional adjustment after replacing them. Cam Tooth offset code is a specific explanation of the exact problem. The company deemed this to NOT be a mechanical failure and elected to NOT honor the claim. This was compounded by the fact that the 48-hour turnaround on sending an inspector happened to go into the 4th day of waiting with the car apart and that a week later no one found any reason to contact me nor the service department rep to either ask for more information if they had doubt not to try to update that they perhaps were trying to deny the claim. We were never informed until I contacted them to ask of the status. VERY poor customer service, very poor awareness of what a part failure is and trying to redefine a problem to avoid having to make a payout on a claim.

    The mechanic also offered the claims rep included pictures of the tires...which have absolutely nothing to do with the problem. He was also informed by the agent on site that he was just there to get pictures and had very little knowledge of the nature of the problem. Applying this logic there is nothing that would ever be covered because it isn't a matter of a part not doing its job and failing, it is about saying that we don't know why the part stopped doing its job so since we can't say for sure we just won't honor the claim.

    An alternator that no longer charges the battery fails to do its job but won't be covered because there is no definitive explanation as to why it stopped doing its job so it might not have been because the part just failed, therefore, would not be covered.

    I am extremely disappointed with the level of customer care and technical knowledge shown by this company.

    Bottom Line: No, I would not recommend this to a friend

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  • 5 out 5 people found this review helpful

    Engine mounts

    • Arizona,
    • Jul 23, 2019
    • Verified Reviewer

    This is the worst customer service company I have ever been involved with! I started the policy in March of 2019. In July of 2019, I took the car to a certified dealer. My claim was denied due to "wear and tear" so I had to pay out of pocket to get something fixed that the policy clearly covers. When I called to get an explanation they were more concerned with up-selling me into a new product than they were getting my claim resolved. They then tried to tell me to take it to an AAMCO dealer and they could get me a discount with their National Fleet Discount code. I called AAMCO and gave them the code and they had no knowledge of this code.

    Long story short, this company basically does everything they can to not pay claims and then when you call in they give you the runaround. After 6 calls and two days I finally got my coverage canceled and a refund that taxes six weeks to get sent out. STAY AWAY AT ALL COSTS!

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    Horrible company

    • Illinois,
    • Jul 18, 2019
    • Verified Reviewer

    Horrible company. I spent an hour trying to cancel my policy. Don't use this company ever! Read the fine print. They don't cover a lot of things you think need to be covered. I had this policy for eight months. Just insanely waste of my time.

    Bottom Line: No, I would not recommend this to a friend

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  • 7 out 14 people found this review helpful
    Updated review

    Update

    • Texas,
    • Jul 1, 2019
    • Verified Reviewer

    I am currently updating my reviews of Endurance Auto Warranty for the positive. PLEASE READ BELOW.

    The process of having repairs done to my vehicle was time-consuming as I imagined it would be. Everything is a process and everything has to be noted and verified. This company is by the book. Damaged parts/claims must be proven to be at fault and visible to be considered eligible. The guidelines to how they determine this can be tricky.

    It is not the easiest to get a hold of Endurance (20 min wait time average), so to follow up on claims can be hours in total.

    My parts that were listed as damaged were in fact covered by Endurance after sending an adjuster out twice to verify. Endurance did have the repairs fixed at my dealership of choice. They did provide me with a rental car for 5 days and they did pay in full the total for labor and parts.

    I am PLEASED with the company that they held onto their promise of vehicle protection. I was nervous with the amount of negative reviews, but honestly, my mind has changed. Endurance came through.

    Bottom Line: Yes, I would recommend this to a friend

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    • Previous review
    • Jun 22, 2019

    Will they resolve this?

    PLEASE READ.

    I am currently in the process of a claim. My vehicle has the supreme policy, and I was told this would be the perfect choice for my type of vehicle (2014 Equus) because of the features and costly options. Two weeks ago the suspension on my car began to lower. I immediately had the vehicle sent to the dealership. The verdict was simple. My hydraulic pump was defective, sending too much air pressure to the airbags, causing them to leak, which then caused the interior rods to snap. The service manager contacted Endurance and verified that the parts were covered by my policy. I then called Endurance where a representative verified the exact same thing to me just to be sure. At this point, he said they would send out an adjuster to finalize the repairs needed. Because the airbags were damaged from the faulty pump the adjuster listed only the airbags as a faulty item because they had physical damage to them. The pump was then disregarded for a reason they could not explain to me other than it "looking fine". The problem is Endurance does not want to send another adjuster out to see that the pump will blow a new set of airbags. They need the dealership to prove the pump is at fault and this is ALL OF THE PROOF they need if only they would get an adjuster out to see this occur. Of course, that is too convenient, and I'm stuck in the loophole fighting for them to handle this appropriately.

    As a business owner, I know better. I immediately contacted Endurance and the dealership 12 times over the course of 2 days to dispute this and explain that the airbags were caused by the faulty pump and now having the new airbags this can be proven. They are saying that they have finalized the issues reported and do not plan to send another adjuster out. So this means the airbags will blow again the moment the car attempts to self-level. So another claim to Endurance only to experience the exact same situation?!

    This has been a horrible experience for me. I will do every single thing in my power from both my side and the business side to have fair treatment and proper care. I have reached out to contact corporate. I have my attorney for this matter to stay engaged with this every step of the way.

    Endurance should represent their company and clients better, and this will be the test to see if they do. If they resolve this then my reviews will change and I will keep my policy. Simple as that. The repairs are still less than my premium. This comes down to principles.

    (read moreread less...)

  • 16 out 17 people found this review helpful

    SCAMMERS

    • Houston, TX,
    • Jun 19, 2019
    • Verified Reviewer

    THEY NEED 0 STARS.

    This company sent me a letter stating that I had until June 14th to RENEW my contract. I did think this was my old warrant company as due to family issues and receiving a new card with a new expiration date it did not debit (RENEW being the key word here), that wanted to charge me a $900.00 reinstatement fee, that they dropped to $300.00 (not aware about the $300.00 until the final process where they send you to another person for verification). I told her nothing was mentioned about the $300.00, at that point Ms. Pope advised me that I was not in a position to argue as they could possibly set up and payment arrangement for the $300.00. I hung up and went and got my old warranty papers and discovered that I NEVER had a warranty with these people but yet they acted like I did and wanted to charge me a reinstatement fee. They told me that since my car was older and had higher mileage that this was the company they had switched me to...WHAT A SCAM! When I inquired about the increase in cost (old warranty was $79.99 a month, this one was going to be $158.00) and when I told Ms. Pope I wasn't going to pay the $300.00 she became testy and advised me that I should no be arguing with her as she could get me set up on monthly payments for the $300.00 REINSTATEMENT FEE.

    Scam, scam, SCAM. Never had a warranty with this company, BUYER BEWARE! READ THE REVIEWS!

    Bottom Line: No, I would not recommend this to a friend

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  • 12 out 13 people found this review helpful

    They will not pay on they policy

    • Princeton, TX,
    • Jun 18, 2019
    • Verified Reviewer

    I bought a policy 18 months ago and was happy. Until my truck broke down and I filed a claim. I had 3 breakdowns in a little over a month, they came to a total of $6500.00. Each time they said it was not covered and gave some false excuse. Each time the shop called, was told not covered and hung up. Shop told me that the reasons given were BS. I have now had to sell my truck to pay bills because I am 72 years old and on SSI. They keep telling me how great the policy is, but if it does not pay what good is it.

    Bottom Line: No, I would not recommend this to a friend

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