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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65 Consumer Reviews for Endurance Auto Warranty

Average Consumer Rating: 2.2
Rating Snapshot:
5 star: 17 4 star: 2 3 star: 0 2 star: 3 1 star:  43
Bottom Line: 29% would recommend it to a friend
Showing 1-11 of 65
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  • Not good for anyone

    • Atlanta, GA,
    • Feb 21, 2019
    • Verified Reviewer

    Endurance thinks the consumer should know the inside working parts of motors and transmissions and what they look like before you purchase your vehicle. Because when you have a problem and you take it to a dealership, Endurance will have YOU PAY THE DEALERSHIP to take the problem part apart, then they will send out an inspector to tell you that the part is worn and should not have that much wear and tear on it. Therefore you are not covered. Now you're out of pocket for Endurance, the dealership, and repair and replacement of parts. What the heck is Endurance for other than taking your hard earned money? Endurance is an abomination to this industry. Sue, sue sue, they are a Liability to the consumer, not an asset.

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

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  • 1 out 2 people found this review helpful

    Great experience

    • Chicago, IL,
    • Feb 15, 2019
    • Verified Reviewer

    Mention the need for extended coverage on a car at my office, and you tend to get more than a few recommendations. Sure enough, I heard a handful of names and did my research on all of them. Endurance Warranty stood out to me, mainly because of their rates. They have some expensive plans for full coverage, but also some affordable ones if all a person needs is some coverage on the most expensive fixes.

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

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  • 4 out 4 people found this review helpful

    Disappointed by Endurance Auto Warranty company

    • New York,
    • Feb 10, 2019
    • Verified Reviewer

    I purchased an extended warranty for my 2014 Mercedes Benz CLA 250 on October 15, 2018. I was asked to pay $194 as a down payment and then $154.09 a month for three years. I then made a payment with my discover credit. Later, I checked their scam reviews and I was so disappointed. Therefore, I called them on the 13th of November, 2018 to cancel my policy. The guy I spoke to was so rude, but he did agree to cancel my policy. I then called Discover to stop any payment from Endurance on 11/13/2018. Endurance was still taking $154.09 from my card from 11/15/2018 to 01/15/2019 without my knowledge. I have called Discover to cancel my card. I then made it clear to Endurance that I will be reporting them to Consumer Affairs, now my policy has been finally canceled after 01/15/2019 payment, but they have not paid back my $462.27 for November and December 2018 and January 2019. My advice to everyone is that do not let them get you or else it will be hard to get out because of their dirty scam. I am going to file a complaint to Consumer Affairs to claim my lost money back.

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

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  • 7 out 7 people found this review helpful

    Weak sauce

    • District Of Columbia, United States,
    • Jan 17, 2019
    • Verified Reviewer

    Steer clear of this company. They appear large and professional but do not act it. Charged me over $500 in two months, and when I called to see why I was being charged, they told me I had never finished setting up my account?!

    But I'm being CHARGED?

    Very rude customer service.

    This was just my experience - but maybe you'll have better luck with 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

    Keep shopping, if it’s too good to be true, it probably is

    • Auburn, AL,
    • Jan 15, 2019
    • Verified Reviewer

    This company has not helped with repairs and doesn’t care that they tout themselves as the best and a leader in the field. They are not. Unfortunately, I was sucked into buying a warranty and it has not been what I hoped. They deny service. They are underwritten by United. Google them. Horrible reviews. I didn’t realize this during the purchase.

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

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  • 4 out 4 people found this review helpful

    Buyer beware!

    • Michigan,
    • Jan 13, 2019
    • Verified Reviewer

    They will not pay for repairs, and customer service is rude from the time they answer the phone. I paid for the policy for over a year and they say it's a pre-existing issue, they will deny for no good reason.

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

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  • 6 out 6 people found this review helpful

    Endurance LLC is a scam company - they will do anything to get out of paying

    • New Jersey,
    • Jan 11, 2019
    • Verified Reviewer

    I purchased a third-party used car warranty from Endurance Warranties LLC to cover our 2011 BMW over the phone about two years ago. I purchased the car with ~39K miles. A week ago we had the engine light come on and were not able to drive the car into the dealer. The adjuster came out to evaluate our claim and stated that we don't qualify for coverage because our tires are 10mm wider (275mm vs. original 265mm) than tires with which, I assume, came from the factory. Wheels and everything else is stock.

    Original:

    Factory Tire Size, Front - 245/35/19 (ZCP Package).

    Factory Tire Size, Rear - 265/35/19 (ZCP Package).

    Ours:

    Tire Size, Front - 255/35/19.

    Tire Size, Rear - 275/35/19.

    We found the following excerpt from the policy document:

    "If any alterations have been made to Your Vehicle or You are using or have used Your Vehicle in a manner not recommended by the manufacturer, including but not limited to: the failure of any custom or add-on part, all frame or suspension modifications, lift kits (unless the appropriate option has been checked on the Application Page and surcharge paid), any tire that is not recommended by the original manufacturer if it creates an odometer/speedometer variance of greater than 4%, trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications."

    The variance that our tires create is within 1.04% from the original. So well within the specified tolerance of 4%. How we interpret this is that they must prove that our tires are NOT recommended by the original manufacturer; although the another "trim" of our model is sold with the front tires the same width as ours and the back tires an additionally 10mm wider than our back tires. I have a BMW master tech also stating the obvious that the tires on our car are well within BMW spec.

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

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  • 4 out 4 people found this review helpful

    Don't buy it!

    • Falls Church, VA,
    • Dec 31, 2018
    • Verified Reviewer

    I bought the extended warranty for $2800, which was just a little over 1.5 years. There were several problems during this, but they wouldn't pay a penny. So I had to cancel it.

    It was a nightmare for me.

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

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  • 5 out 6 people found this review helpful

    Mile 1 total warranty service

    • Marianna, FL,
    • Dec 21, 2018
    • Verified Reviewer

    This company is a scam! They will not pay off your vehicle! Mine totaled in a hurricane...they only paid $573.00. What a joke. This company, mostly by Nissan, so be careful. If you have a used vehicle do a Carfax, make sure it has not been wrecked before you get it because that will be a reason for them not to pay your vehicle off. Now I have a loan that will not be paid off because of this stupid company. What a waste of money.

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

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  • 3 out 3 people found this review helpful

    Three words - worst experience ever

    • Phoenix, AZ,
    • Dec 21, 2018
    • Verified Reviewer

    I had a horrible experience. I took my truck in because of an overheating issue and I had it diagnosed. Dealership found a few problems with the truck and this insurance denied all of the claims. It would not pay for anything wrong with the truck. Even my water pump.

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

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  • 1 out 7 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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Showing 1-11 of 65

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