Endurance Auto Warranty Review: Is It Worth It?

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 and 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?

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

The Bottom Line

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, 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.

» For Further Reading:


Read 90 Endurance Auto Warranty Customer Reviews and Complaints

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Average Consumer Rating: 2.0
Rating Snapshot:
5 star: 19 4 star: 2 3 star: 1 2 star: 5 1 star:  63
Bottom Line: 24% would recommend it to a friend
Showing 1-11 of 90
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  • 1 out 1 people found this review helpful

    Claims issue. Labor rates don't match repair shops.

    • Spring Hill, FL,
    • Oct 18, 2019
    • Verified Reviewer

    Took in our 2011 Ford Edge Limited to our Local Ford Dealership for heated seats not working. The dealership told us it was a bad HVAC Control Module located behind the dash and that Mitchell Manual quoted 1.5 hours to R&R module and re-program. We had the Apex Pro which is supposed to cover that. We had a Zero deductible. The dealership said warranty would cover the part, 1 hour of Diagnosis and 0.3 hours to replace the module, meaning we had to pay the 1.2 hours difference! Called the warranty company and the Girl Tiffany at Endurance told me that we will always be responsible for any labor over what they pay according to their guide...they told us that they go by a "National Labor Time Guide" as stated in our contract. Correct, however, they would not divulge what manual they were going by. As far as I know, there is Mitchell and Chilton. Not very happy and won't do this again.

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

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  • 5 out 5 people found this review helpful

    It’s a scam

    • Colorado,
    • Oct 11, 2019
    • Verified Reviewer

    I was under the impression I had a contract for months but when it was time for repairs I was denied due to a salvaged title. Is it my fault someone gave me a contract? That sounds like someone at Endurance didn’t do their job. Am I to blame?

    I’m having issues with the account manager now, once again they treating me like I did something wrong talking to me very hostile. I’ve had enough, I’m contacting my lawyer immediately.

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

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  • 5 out 6 people found this review helpful

    Do not buy a policy with them

    • Crestview, FL,
    • Oct 9, 2019
    • Verified Reviewer

    As other comments have noted, they will do everything to avoid paying any claim. Including engaging in some crafty contract interpretation and shuffling you off to multiple representatives with the hope that you will just go away in frustration. I spent the better part of two days getting passed around from person to person. Some aspiring U.S. Attorney should have no problem making a RICO case against them. Likewise, this company is ripe for a class-action lawsuit.

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

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  • 5 out 6 people found this review helpful

    Sketchy cancellation experience

    • Houston, TX,
    • Oct 4, 2019
    • Verified Reviewer

    I recently bought a used car and decided to purchase a vehicle service contract. I read somewhere online that Endurance was great so I signed up. I negotiated a price with the rep and his manager for the supreme plan which is the best plan they offer. After reading more about the company's repeated claim denials on their policyholders, I decided to call Endurance within the 30-day full refund period to cancel my policy. The lady I spoke to rambled on forever that I should not cancel the policy since, according to her, I got such an awesome deal. I politely repeated to her that I wanted my policy canceled and I wanted my refund credited back to my credit card. She said she would either mail me a check or credit my card but was going to keep $20 for a non-refundable activation fee they charge, which was never mentioned to me when I first signed up. I asked her for a confirmation number or email to confirm that I canceled my policy but she said no and instead gave me her employee badge number or something like that and hung up on me. The cancellation experience felt very sketchy and now I'm wondering if I'm gonna get a refund since I don't have any proof to show that I canceled my policy. Also, I never received a copy of my policy which the rep said he would email to me when I signed up. I have contacted my credit card company and informed them to expect the charge credited by next week or else I'll proceed with a fraud claim.

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

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  • 13 out 13 people found this review helpful
    Updated review

    Very difficult to deal with.

    • Michigan,
    • Sep 19, 2019
    • Verified Reviewer

    Not easy to deal with at all. They will try anything to get out of paying.

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

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    • Previous review
    • Sep 11, 2019

    Absolute scam

    I received an Apex Select warranty with my used vehicle for 3 months/3000 miles. The engine blew up after 14 days and 700 miles. Called about coverage and was denied because they said it was considered an "early loss" and I would have to deal with it myself. Now I'm stuck in legal issues with the dealership.

    Hey Endurance, here's a question. If your car blew up after 2,999 miles, would you consider that an early loss?

    Scumbags.

    (read moreread less...)

  • 10 out 10 people found this review helpful

    Warranty not worth the paper it’s printed on!

    • Grifton, NC,
    • Sep 17, 2019
    • Verified Reviewer

    Don’t give this company your money! They will NOT cover your repairs! We have been paying $105 monthly since 2016 when we purchased our Dodge Challenger. The fuel pump recently went out on it and they refused to cover the parts OR repairs claiming wear and tear! When the mechanic mentioned that our car was well kept and "wear and tear" was not the issue that it must be a mechanical/manufacturing issue. They said our car had too low of miles to cover the claim! How bogus are they to change their excuse like an elementary student busted in a lie! No credibility whatsoever and a complete waste of money! Save your time and money and DO NOT USE ENDURANCE!

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

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  • 13 out 13 people found this review helpful

    Poor service and customer support - avoid this company

    • Northbrook, IL,
    • Sep 17, 2019
    • Verified Reviewer

    We have been customers since 2017 and obtained coverage for out Infiniti QX56, we purchased the elite package. Unfortunately, our experience with Endurance has not been positive thus far. We have submitted a total of two claims on our 2012 Infiniti QX56 since initiation of our policy. In both cases, the claims have taken weeks to resolve, with the second claim not resolved at all. We have abided by the provisions of the contract; however, have not had the same provisions upheld by Endurance per contractual agreement.

    Our most recent claim was submitted on Wednesday, August 14th in regard to replacement of the engine computer and ignition harness, based on DTC’s from the vehicle and tech bulletins from Infiniti. This claim was denied because the tech could not consistently reproduce the failure and they would only cover the parts on complete failure. The vehicle is unsafe to drive as we never know when the failure will occur and four of the cylinders shut down. We are lucky at this point that we were not on a road trip and several hundred miles from home.

    Our vehicle has only had services rendered by the dealership including all regularly scheduled maintenance. The Infiniti service department has reviewed the recommended DTC’s, tech bulletins and videos. The videos show the failures as they occur. The Endurance claims adjuster has seen the failures and the videos of the failures. Endurance has required that the DTC’s be cleared and then for the tech to reproduce the failure. The original claims adjuster that came out saw the failures, agreed with the failures, but was not able to approve because the amount was above his approval limit. The vehicle has been in the shop now for three weeks. We have spoken to your customer service representatives on numerous occasions with no resolution. This evasion of contractual agreement is unprofessional and dishonest.

    If I could provide a rating of less than 1 star I would, if Endurance was willing to resolve this issue, I will be willing to update my review.

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

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  • 11 out 11 people found this review helpful

    A joke of a company.

    We have been customers since 2017 and obtained coverage for two of our vehicles. Unfortunately, our experience with Endurance has not been positive thus far. We have submitted a total of 2 claims on our 2013 Infiniti QX56 since initiation of our policy. We have abided by the provisions of the contract; however, have not had the same provisions upheld by Endurance per contractual agreement.

    Our most recent claim was submitted on Wednesday, August 14th in regard to replacement of the A/C compressor. This claim was denied due to the allegation that the tires are not factory and considered a modification. Section G of the "Exclusions" clause of the contract states that any claim will not be covered due to "any tire that is not recommended by the original manufacturer if it creates an odometer/speedometer variance of greater than 4%."

    Our vehicle has only had services rendered by the dealership including all regular scheduled maintenance. The Infiniti service department has reviewed the recommended tires specs for our vehicle and they are in agreement that the tires are indeed within these manufacturers recommendations with no variance effect on the odometer/speedometer and they have communicated this to Endurance agents. Furthermore, these tires are the same exact tires in place as when the policy was first initiated. We have spoken to your customer service representatives on numerous occasions with no resolution. One representative advised that we need to pay an additional $500 due to the supposed "modification" if we wanted our vehicle repaired. We had initially agreed to pay as we were looking to repair the vehicle in the timeliest of matters. After careful review of the contract, there is no such clause regarding this alleged required fee. Additionally, after we had paid the $500, a representative from Endurance contacted us now saying that the part will not be covered in full. This evasion of contractual agreement is unprofessional and dishonest.

    DO NOT GIVE THIS COMPANY YOUR TIME AND MONEY.

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

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  • 11 out 11 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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  • 12 out 12 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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  • 10 out 10 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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