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.

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55 Consumer Reviews for Endurance Auto Warranty

Average Consumer Rating: 2.3
Rating Snapshot:
5 star: 16 4 star: 2 3 star: 0 2 star: 3 1 star:  34
Bottom Line: 33% would recommend it to a friend
Showing 1-11 of 55
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  • 0 out 2 people found this review helpful

    Good customer service

    • Washington, DC,
    • Dec 8, 2018
    • Verified Reviewer

    I contacted Eddie Henriquez to cancel my policy due to the fact that I was not able to purchase the vehicle I had in mind. Eddie was extremely helpful and courteous. I will definitely be calling on Endurance when I make my next used car purchase.

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

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  • 0 out 2 people found this review helpful

    Customer service review

    • EVPH2027696,
    • Dec 8, 2018
    • Verified Reviewer

    Eddie Perez was very helpful in answering my questions and making my world a better place. I was worried that it would be a difficult situation transferring my insurance to a new vehicle and Eddie made it easy as 1 2 3. Thanks Endurance, and Eddie too.

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

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  • 4 out 4 people found this review helpful

    Very deceptive and a waste of money

    • Lubbock, TX,
    • Dec 5, 2018
    • Verified Reviewer

    Customer service is horrible, to say the least.

    I've taken my vehicle in for service, and in both instances, they have denied the claim on both occasions with problems related to the transmission and emissions but have no problem warranting a freak window motor.

    Or a horn.

    This company is a joke and has cost me thousands.

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

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  • 4 out 4 people found this review helpful

    Worst car warranty that ever existed

    • California,
    • Dec 1, 2018
    • Verified Reviewer

    I did buy the warranty on my car, the Volkswagen Eos 2009 in January 2018.

    I paid my premium always on time, $192.00 monthly.

    On November 21, 2018, my car broke down - I towed it to the closest Volkswagen dealer service. That day was start the most horrible experiences with Endurance.

    They want and try to find every chance to decline the claim.

    Volkswagen service verified that the transmission is broken and needs to replaced.

    They wanted a record of when the transmission service was done. After a couple of days researching, I find the records, after the claim, I pull the Carfax record on my car and find the other extended warranty coverage. It was shocking to me why I paid for a separate extended warranty when the premium I pay for Endurance is so high, when I can cover two premiums should I buy a new car. After a couple of days of investigation, I provide the document which is proof I only have Endurance warranty. This takes 18 phone calls and each time on hold 50-55 minutes, then someone answers and is very rude, careless, and puts me on hold for another 20-25 minutes.

    Finally, the documents were accepted, so then I ask to call the service and authorize the repair. Endurance is refusing to call the service, told me I have to call the service and the service needs to call Endurance. Finally the Volkswagen service advisor, after 45 minutes hold, was able to talk to the claim department and surprisingly told him he needs to get the authorization from me to take out the transmission and take it apart to verify the cause of the broke down. And I need to pay for it, $650.00.

    The staff was very rude and try to make more and more difficulties to take care of the problems.

    I do not recommend to anyone to purchase this warranty - very unprofessional and refuse any help. But they never hesitate to take the payments.

    Please share this to make sure no other car owner make the mistakes like me.

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

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  • 6 out 6 people found this review helpful

    Denied everything

    • Palm Bay, FL,
    • Nov 17, 2018
    • Verified Reviewer

    Horrible experience. Denied a transmission after only 14 months of a 3-year service contract. I did the dealer recommended services and even had a record of a transmission problem before 100000 miles. Because I didn't do the make of the autos recommended service and did the dealer at which I bought, they refuse to cover anything. When I bought the warranty, that was not their story. I tried to use them three times and they never paid anything. A total scam of a warranty. Look elsewhere.

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

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  • 0 out 3 people found this review helpful

    James is the best

    • Nov 12, 2018
    • Verified Reviewer

    James is the best. I originally called to cancel my policy because I got rid of the car that was on the policy and got a different car. James was able to have my policy updated, I didn't have to pay a new down payment, and now my new car is covered with a lower payment. He kept his promise on everything he said he would so I didn't have to lose any of the money I already paid. I highly recommend Endurance to anyone with an older car.

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

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  • 12 out 12 people found this review helpful

    Claim denied

    • Henderson, NV,
    • Nov 5, 2018
    • Verified Reviewer

    I purchased a warranty from Endurance on 9/10/2018. I purchased the top warranty they offer, which is bumper to bumper and known as the Platinum Plus plan. Prior to purchasing the warranty (in mid-August), I had taken my vehicle to the local Jeep dealership for a factory recall. This visit was a couple of weeks prior to purchasing the warranty. During the factor recall repair, the dealer also did an inspection on the vehicle noting no issues, leaks, or problems. The warranty contract begins after a 30-day waiting period and 1,000 miles from the time of the purchase.

    In mid-October, well after the 30-day waiting period and 1,700 miles later, I noticed a small oil leak on my garage floor. The droplets of oil did not appear to be engine oil. My garage floor is finished in a white epoxy with a clear coat, meaning it is impossible to miss oil on the ground when it appears. As soon as I noticed oil, I contacted my local Jeep dealership and scheduled an appointment for service on 10/29/2018. When I arrived at the Jeep dealership, the service manager told me that the oil I was seeing under the vehicle was most likely hydraulic motor mount fluid and said the mounts usually go out on these vehicles between 5-7 years.

    A short time later (on 10/29/2018) the diagnosis was completed, and it was in-fact the motor mounts leaking. They were not covered as part of the Jeep powertrain warranty, so I provided my Endurance Warranty information to the dealership. Endurance contacted the claims administrator, United Car Care, who stated they would send out an inspector due to the cost of the repair ($1400+). It took two days for the inspector to show up at the dealership, and an additional day before the decision was rendered to deny my claim. I immediately contacted United Car Care and was told that the condition was “Pre-existing” because there were signs of hydraulic fluid on engine components under the mounts. I was also told the engine had “flexed” or measured off by a certain amount which indicated this failure had taken place “over time” and was pre-existing. I protested and noted the vehicle had been in for a full inspection to the dealer just prior to purchasing the warranty and no issues were noted, including no leaks. I also explained that there is no way there was a leak that would go unnoticed as my garage floor is done in white epoxy and the car is parked in the garage. I asked how they can prove on their end the failure occurred during the “waiting period” and not after. I was told due to the close proximity of the waiting period and the failure, they are calling it a pre-existing condition. The service manager at the dealership told me there is no way to prove an exact failure date and was baffled by the warranty company assuming it is a pre-existing condition, especially when a full vehicle inspection was completed by the dealer shortly before purchasing the warranty.

    Motor mounts are a covered component, my vehicle was past the waiting period in both days and miles (by a large number in-fact) and they still denied the claim with NO PROOF that the condition was pre-existing. To add insult to injury, I requested to cancel my account and was told I have to send a letter via US Mail to request a cancellation. They were more than happy to take my money and start my billing over the phone, but now I have to submit a form via US mail while they continue to charge my credit card? NOT GONNA HAPPEN.

    Stay FAR AWAY from this company! The best part about the cancellation is I requested the form be emailed to me so I could cancel and I was told it could take a while for the form to send over email because it has a large attachment. After I got off the phone with the representative from Endurance, I NEVER RECEIVED THE EMAIL. I had to call back a short time later and demand the email be sent to me while I was on the phone. Funny, I instantly received it, and the best part, there is NO ATTACHMENT! It’s a simple email you print out, and they claim you must notarize the form to provide the mileage on the vehicle.

    I am not wasting my time or money, I provided them with a copy of the receipt from the dealership showing the vehicle’s current mileage. I then tried to call back after putting a copy of this form in the US Mail, email, and their online support form, and was placed on hold until I finally hung up. I encourage others to USE STRONG caution with this company, do not be fooled by their rating on BBB or anywhere else.

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

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    • Nov 10, 2018

      Shanelle E.

      They did me the same way, except I never put in any claims in the four months I had endurance they tried to keep my money only. They sent me less than half of the money. Don't ever trust that scam company, they will find an excuse to keep your money. Just go with CarShield.

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  • 11 out 11 people found this review helpful

    Scam artists

    • Ohio,
    • Nov 4, 2018
    • Verified Reviewer

    Don't waste your money! They will find any way they can to get out of paying!

    We have a Chrysler Aspen, the shop said the engine is blown, and Endurance won't pay to fix it because it has aftermarket rims! There is a federal law that says to void a warranty they have to prove the rims caused the damage to the engine, which is impossible! So now it's been three months, and the car is still broken down, and I had to hire an attorney!

    Endurance warranties are scams. They won't do what you pay them to do, and their customer service is horrible. They are rude and uninformed. Please don't waste your money!

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

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    • Nov 30, 2018

      Jay R.

      Totally agree! The customer service is only great when the want to take your money. I'm dealing with that issue right now. I'm planning on filing a claim with Better Business Bureau. It's a scam!

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  • 8 out 8 people found this review helpful

    Horrible customer service with managers

    • Pennsylvania,
    • Nov 3, 2018
    • Verified Reviewer

    I purchased the warranty on May 31st at 108 thousand miles. I paid on time. My HUMMER was having electrical issues, so I took it to the shop on October 8 and they notified Endurance. About a few days have gone past and I called Endurance but they denied the claim, saying it was a mileage discrepancy on the Carfax report. The mileage reported on Carfax was dated July 27th at 107 thousand miles. I purchased my HUMMER h3 on May 1st with those miles. How can it be the same two months later?

    They told me to contact Carfax and provide any dealership paperwork. I provided my Bill of Sale and the odometer notice from the dealership the day I purchased it on May 1st showing it at 108 thousand miles. I also provided emails that Carfax and I had them saying it's not a mileage discrepancy, but this July 27th date was when the State reported it to them. Ok, so United Car Care wanted a copy of a maintenance receipt. I had it, and they said it didn't have VIN number. Now everything was given that they asked for, but it wasn't sufficient enough. Endurance blamed United Car Car, saying it was all silly and they should have proceeded with the claim per a Daniel W, who is supposed to be a manager at Endurance.

    My truck has been in the shop since October 8, it's now November 1st, and it is still in there. I have been renting cars and no compensation or any care they had given me. Daniel was supposed to get back to me on Monday, October 29th with his directors and United Car Care director. I have been emailing him and leaving messages. I was told I had to start my contract over. For what? Everything was given when asked. They are scams, very unprofessional and rude as heck. I would never refer anyone to them. Once you file a claim you will get the runaround until you finally give up. They are SCAMS. Wait until you file that first claim!

    You better run before it happens! They just want our money!

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

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  • 1 out 2 people found this review helpful

    James Dunn was very knowledgeable and I appreciated his kindness as he assisted me.

    • Burlington, NJ,
    • Nov 3, 2018
    • Verified Reviewer

    James Dunn was prompt in assisting me with my cancellation. I am looking to purchase a new vehicle in the future. He informed me that I can contact Endurance to receive their coverage and answer any questions I may have concerning that purchase or my present vehicle. All of this is above and beyond my expectation. Thank you for excellent customer service!

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

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  • 0 out 2 people found this review helpful

    Very understanding

    • Pittsburgh, PA,
    • Oct 25, 2018
    • Verified Reviewer

    Talking with James Dunn was a very nice and understanding experience. He was also very helpful and worked as a team to get things done without just putting everything on the customer. He showed me that even though things look black and dark, like there was no hope to get things done, he took the situation and showed me it still could be done, if it took a team to get it done. He's very smart and deserves credit when credit is due. Thank you, James, for your support and understanding.

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

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