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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28 Consumer Reviews for Endurance Auto Warranty

Average Consumer Rating: 2.6
Rating Snapshot:
5 star: 10 4 star: 1 3 star: 0 2 star: 1 1 star:  16
Bottom Line: 36% would recommend it to a friend
Showing 1-11 of 28
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  • 3 out 3 people found this review helpful

    Don't trust most reviews! This company is not the best, by a long shot!

    • Texas,
    • Jun 8, 2018
    • Verified Reviewer

    I thought this company was very well reviewed and a wonderful company to take over my gently used Audi s6 once the original warranty expired. Flash forward a year and a bit. The cam adjuster went out, and the engine needed to be pulled for "teardown." After that, my shop was told that the teardown will probably not be covered (I have the top warranty). To get to the cam adjuster, you have to pull the whole engine. I didn't understand why they wouldn't cover that (that's the biggest cost of this repair) but I decided to wait for the adjuster to come out and get a final verdict on coverage.

    Come Friday, the adjuster came out, was a total a-hole to everyone at the shop and just rude on all accounts. Come Tuesday, no word on coverage. My shop had to call the company for them to tell them that the claim was denied because the intake filter was changed with a non-stock one and that the catalytic converters were off the car (they need to come off to take the engine out).

    When I called the company to cancel my warranty (to get some money back so I can cover the repairs, since they won't), I was told by the service rep that they don't cover any parts that are not made by the original manufacturer. In other words, don't go to AutoZone and buy a replacement k&n filter for your stock air box because it voids your warranty. Even Audi didn't have a problem with it, but they do. I feel like anything over what you paid, and they will find a way to decline your coverage.

    Read the other reviews, all the five-star reviews have not had to file a claim. They just had a good experience while purchasing the warranty. Most of the one-star reviews have had multiple things declined for no legitimate reason.

    I hope this review can save someone the hassle of going through what I did. Just save your money, or go to your trusted local shop and ask what company they generally have good experience with.

    This company is just good salesmen. They will do anything to sell you their product, but when it comes to paying out, they will screw you. I should have caught on when they told me if I secure my contact in 24 hours I will get a lower rate. Also, most warranty companies will give you your full money back if not used. Endurance only gives you a prorated amount back.

    Save yourself money, time, and headache and find another company. Don't rely on the "good" reviews which don't mean anything if you read them. I hope this helps someone.

    By the way, my repair ended up being a bit over $8,000. I now know why they wanted to find anything to deny my claim.

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

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  • 2 out 2 people found this review helpful

    Be careful

    • Connecticut,
    • May 25, 2018
    • Verified Reviewer

    I purchased a warranty for my Toyota Avalon. During the conversation with the salesperson, I expressly said I needed the navigation system covered. His response was it is covered under the luxury electrical portion of the warranty. When I had problems and call in, they told me it was not covered.

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

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  • 7 out 7 people found this review helpful

    Ridiculous

    I had a transmission problem. I took it to an expert and they found a bad torque converter. Endurance denied my claim saying it's not an internal part. They told me to read the fine print! I explained that I specifically asked when I bought the plan if all major components are covered. I was told yes. When I brought this up, again I was told to look at the fine print. When I said the exception list does not say torque converter not covered, I was told: "well, it's not part of the transmission."

    My mechanic, who presumably knows more than the gentleman I was talking to, told me that it was outrageous what they told me. He has worked on hundreds of cars through various warranty companies and NEVER experienced this before. Not only that, but it took the adjuster over a week to come look at my car. I've been car-less for over two weeks and now cannot get it fixed! Thanks for nothing!

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

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  • 9 out 9 people found this review helpful

    Horrible service, and they don't pay for repairs on covered parts!

    I spoke to two managers, Daniel W and Christopher W. Both were absolutely horrible.

    I paid for repairs to be done on my car parts, which are covered under my policy, but they will not pay for the repairs. Both of these men are wildly rude. They treat customers like pieces of garbage, they refuse to answer questions, and they refuse to meet any demands like being transferred to another rep or send me an email. Daniel hung up on me after I refused to continue speaking to him because I asked him to send me an email and he proceeded to continue to talk to me very condescendingly and asking me what I wanted. After I had already told him multiple times that all I wanted was for him to send me an email that we discussed. He refused to send that email and hung up on me.

    They both talked over me repeatedly. I can't explain how horrible this experience was. I have never been treated so badly by any service provider of any kind. When my car broke down it took two and a half hours to get a tow. That was one hour after the tow truck driver called me to let me know he was around the corner. The roadside department told me their average wait time was up to an hour. Daniel threatened me with canceling my policy after I have paid more ham $3000 for this coverage and they refused to pay for repairs. I can't believe what I've been put through. Don't use this service!

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

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  • 11 out 12 people found this review helpful

    Service

    • Florida,
    • Mar 22, 2018
    • Verified Reviewer

    I have called and called to talk about canceling my policy and the reply I get is “an account manager will contact you.” No call yet. This is ridiculous. I will not recommend using this warranty company.

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

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  • 1 out 10 people found this review helpful

    Awesome service

    Art, Melissa, and Valerie all handled my issue with the highest importance and concern. I did not have much hope at first given experiences with other businesses, but they went over the top to settle my issue. I will buy and carry Endurance Warranties on my vehicles when the factory warranty lapses. I will spread by word of mouth the integrity and class in which the issue was confronted and resolved within a timely manner. This may sound like too good of a glowing review, but I'm real and how they took care of my issue was genuinely the best outcome I could have asked for.

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

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  • 14 out 14 people found this review helpful

    Misrepresentation

    I was contacted by this company numerous times by mail. One notice I received looked like it had come from some sort of authorized vendor by Toyota or my car dealership. The notice included my car's make, model, mileage, and VIN, so I thought it was legitimate. I called the number, and the salesperson proceeded to tell me that the coverage he was trying to sell me was "required" because I was financing my car and "didn't own it." I asked if this were simply something I had opted out of when I purchased my vehicle, and he stated, "no, this is the last step of buying a car." I figured he was being honest and I had dropped the ball by not purchasing something required (first-time car buyer), and I went ahead and agreed to the coverage.

    As soon as I hung up with Endurance, I called my car dealership, and they told me the coverage was NOT required. Do NOT let them pressure you into purchasing this expensive ($180+ per month) "coverage."

    When I called Endurance to cancel (after reporting the charge to my bank as fraudulent), the representative was very condescending and pushy, speaking over me to "explain" why this coverage was so "strongly recommended."

    I'm disappointed that I fell for this scam. Thankfully it worked out and I didn't lose any money.

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

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  • 1 out 8 people found this review helpful

    When I bought a used car

    • Honolulu, HI,
    • Feb 2, 2018
    • Verified Reviewer

    When I bought a used car for my daughter, I had already researched Endurance, so I knew they would likely cover a vehicle under 10 years and with 160,000 miles. I was able to find one with a clean record in good shape, no pre-existing conditions. The car is pretty good so far, but we did have an issue with the suspension, which was covered under our policy. Endurance took care of it, no problem. Good company, would recommend to others.

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

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  • 15 out 16 people found this review helpful

    Denied the coverage they promise

    • California,
    • Jan 31, 2018
    • Verified Reviewer

    I bought a truck and added this APEX Premier Coverage which is supposed to cover everything. I paid $1413.00 for one year of FULL COVERAGE.

    The truck broke down, and I brought it to a licensed shop. The problem was the high-pressure oil pump for the injectors.

    They denied coverage based on the oil system for the fuel system was not specifically listed as covered even though it is a critical part of the fuel system and the fuel system is listed as being covered.

    Their customer service representative seemed to delight in double talk and denial of service. This is the purest form of a bait and switch scam.

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

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  • 15 out 15 people found this review helpful

    Cancelled my membership

    On my way to work, I heard an unusual noise coming from my tire, so I pulled into a Honda Dealership, and they looked at it and said that the tire bearing need to be replaced. They called Endurance, and a claims manager said that this issue could have started before the policy when into effect, so they declined to pay. The dealership couldn't believe that reply from Endurance. I had to call Endurance, and a rep told me that any part that can be called pre-existing is usually always denied and he personally didn't agree with that routine denial. The fix was just $83.00 after the $100.00 deductible, so they lost a customer over $83.00.

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

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  • 15 out 16 people found this review helpful

    High-pressure sales tactics

    I called Endurance to get them to stop mailing me their notices about purchasing extended warranty coverage. I thought it would be a simple procedure, but it was not.

    I got this pushy salesman named "Carlos" on the phone who would not take no for an answer, even when I repeatedly told him that I was not interested in purchasing their supposed "coverage." He was pressuring me to sign up and was very aggressive, which I did not appreciate. When I told him that I could not afford the coverage, he said to me, "What do you mean, you can't afford it?!" Umm, excuse me, but you have no idea what my current financial position is, and you can't just ASSume that everybody is going to be able to afford your "services." He would not let up with his high-pressure sales tactics, so I got ticked off and hung up.

    I then called back and got a very nice man named "Pete" who gladly took me off the mailing list with no problems, no pressure, no sales tactics. All I wanted to do when I called was to stop getting their notices in the mail. I did not want or appreciate the high pressure that "Carlos" was putting on me to pay for their "services."

    From reviews that I have read online, I am very glad that I refused to have anything to do with this company. People are saying that Endurance does not pay for simple things like parts that wear out from just regular use. It sounds to me like Endurance makes up excuses not to cover certain car repairs, which is a shame.

    My experience with Endurance has left such a negative impression on me, that I would not recommend them, not even to my worst enemy. I wish I could give them a - 5-star review because they don't even deserve 1 star! Avoid this company at all costs! I think everyone who is leaving positive feedback about Endurance either works there or is related to someone who works there.

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

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