About Endurance Auto Warranty

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

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

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

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

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

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

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

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

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

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

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

Endurance Premier

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

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

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

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

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

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

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

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

Endurance Secure

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

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

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

Endurance Superior

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

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

Endurance Supreme

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

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

How Much Does an Endurance Auto Warranty Cost?

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

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

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

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

What Are Endurance Auto Warranty Customers Saying In Their Reviews?

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

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

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

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

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

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

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

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

Who Backs & Supports Endurance Auto Warranties?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

» For Further Reading:

Sign Up for HighYa Newsletter

Sign up for HighYa newsletter and get our best content delivered in your inbox as well as 3 free eBooks to help you save money and shop smarter. Enter your email below to get started!


Read 74 Endurance Auto Warranty Customer Reviews and Complaints

Write a Review
Average Consumer Rating: 2.1
Rating Snapshot:
5 star: 19 4 star: 2 3 star: 0 2 star: 3 1 star:  50
Bottom Line: 28% would recommend it to a friend
Showing 1-11 of 74
Sort reviews by:

  • 1 out 1 people found this review helpful

    Will they resolve this?

    • Texas,
    • Jun 22, 2019
    • Verified Reviewer

    PLEASE READ.

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

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

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

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

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 1 out 1 people found this review helpful

    SCAMMERS

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

    THEY NEED 0 STARS.

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

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

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 2 out 2 people found this review helpful

    They will not pay on they policy

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

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

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 3 out 3 people found this review helpful

    Don't waste your money! They will not pay claims.

    • New Jersey,
    • Jun 13, 2019
    • Verified Reviewer

    My car needs a new engine and this company is trying to find every way not to pay the claim. My car has been at the dealership service for almost a month. The service team said that I have a bent valve and I need a new engine. Endurance sent out an inspector and they also agreed that a new engine was needed. When I contacted Endurance three days later first they said they couldn’t get in contact with the third party inspector. Then two days after that they changed the story and said that my valve was stuck (which isn’t covered) instead of bent. The dealership knew that was not correct and requested that the inspector be brought back to solve the issue. Endurance refused to contact the inspector. I called and requested proof of the inspector’s report stating that the valve was stuck and not bent. The warranty refused to do that as well. I said then I as the consumer is supposed to just believe what you are saying over the people that actually have my car. They said yes. Then after that, they said they want an additional break down to determine if the valve is bent and actually not stuck. That wasn’t enough. I even had the service manager call and ask for what they wanted.

    The dealership did everything that was requested and still they keep asking for more. The service manager called me extremely frustrated and said in 30 years he has never dealt with a warranty company that played this many games and is extremely rude. He advised that I get a lawyer and that is exactly what I am going to do. I have complied with everything the warranty company has asked for now my car is completely torn apart and the dealership is saying I have to pay them $1500 + towing fees to remove my car off their lot and if I don’t by Friday they have to start charging me storage fees. This isn't right!

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 3 out 3 people found this review helpful

    Horrible company, and this is a REAL review

    • Jun 11, 2019
    • Verified Reviewer

    I purchased this warranty when I first bought my car because it was a used car and the manufacturer warranty had expired. I paid a few months and there was something wrong with my transmission, and even though my policy covered it, Endurance claim adjusters refused to cover it, said that I was neglectful in taking care of even though I only had it for only 4 months and put 500 miles on it. Ok, that’s fine, so I ate the cost of $4,236.67 on my own. Two months later a water pump went out on the car and again the policy I have covers that so I took it to the mechanic of my choice (which states on the commercial and the automated system when calling). The mechanic told me that he spoke with Endurance and they refused to cover the cost and part of the water pump, so I called them myself and asked why wasn’t it covered when it’s clearly on my policy, that it is the supervisor stated that the water pump is considered wear and tear so it’s not covered. Isn't that why we get warranties because of wear and tear and things happening! Anyway, he also stated that I needed to find a cheaper shop because the one I went to was not on the list LIST? My policy never stated that I needed to choose a shop off of a list. So anyway, I ended up canceling my policy because they weren’t paying for any repairs anyway, I was just throwing money away on these people. I canceled the policy in December and they were still charging me, I had to call and speak to another supervisor to get it straightened out. Still going through it.

    The moral of the story is THIS PLACE IS A RIPOFF, DO NOT SPEND YOUR MONEY WITH THEM. They should honestly be shut down. Worst company I’ve ever come across. I even stopped 2 of my friends from getting them as their extended warranty company.

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 5 out 5 people found this review helpful

    The worst extended warranty you can get

    • Southbridge, MA,
    • May 29, 2019
    • Verified Reviewer

    This company had my motor taken apart, decided they weren’t covering the claim and refuse to pay the dealership for any of the time it took for the dismantling of my motor. Which was at their request. Buyer beware of this company, they are very unprofessional!

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 4 out 4 people found this review helpful

    Unscrupulous practices

    • Marietta, GA,
    • May 28, 2019
    • Verified Reviewer

    The sales person quoted a lower total price that was significantly less than what the payments added up to. I didn't do the math until we reached the verification process and asked them to cancel. A week later I see a charge on my account and immediately called to have the contract canceled. I was told I would receive a refund within 3-7 days, but would not receive an email confirming the cancellation. Seven days later, I see no such refund. I called customer service and they didn't show any cancellation initiated. I attempted again to cancel and was told that the cancellation was processed. I immediately called customer service back and was told the cancellation wasn't processed. If this company was so reputable, why would they put people through such unnecessary hoops to keep them from canceling? I will now have to contact my bank to have this charge reversed.

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 1 out 2 people found this review helpful

    Superior

    • Phoenix, AZ,
    • Apr 23, 2019
    • Verified Reviewer

    Had our insurance only a couple of months when our 2016 Chrysler 300 had the backup camera go on the fritz, then almost immediately the air conditioning system didn't cool. We took it to the dealership and once they knew what was wrong, their representative checked to make sure the repairs were necessary and paid for both the new rear camera and to change the evaporator. I paid my $100 deductible and that was all I paid for the bill of over $2,000.

    I totally recommend ENDURANCE, they stood by their word.

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 14 out 15 people found this review helpful

    This company are smooth talkers, but no action.

    • Gainesville, FL,
    • Apr 16, 2019
    • Verified Reviewer

    I purchased this automotive warranty back in early February for my 06 Corvette with only 71k miles. I noticed a few days back that the check engine light came on. I called up Endurance and asked that if what I was calling about would be covered. NOTE: I had a couple of other issues (nothing major), so I asked if these items were covered. They told me that all the items were covered, as I have purchased the best policy. I then had forgotten to ask another question, so I called back and had the next agent answer my question, along with reassuring me that the items I had called about were covered.

    Well, to my surprise, I bring my car to the dealership, and I was told that there is a $600.00 diagnostic fee, and not to worry as this is all covered by Endurance as they had told me it is all covered under my plan. So I get a call yesterday from the Service Department, and was told that Endurance told them that NOTHING was covered and the claim was DENIED. Endurance told the Chevrolet Dealership that "my warranty plan is one of the lower plans that doesn't cover much," CONTRARY to what I WAS TOLD the day it was SOLD TO ME.

    So then I call up Endurance and request a supervisor. I was put on hold for almost 30 minutes. The supervisor (I believe Trad, Trevor, Todd, name to that effect) gets on the phone and tries to give me the runaround, and then tells me "well, you do have the best policy for a 13-year-old vehicle with high mileage."

    Needless to say, he then transferred me to his superior (Daniel, Danny, whatever), and at first the call started out somewhat smooth, although his voice and way of talking was straight out of a car salesman training book. Very smooth talker, knows how to make everything seem as if it's ok to get screwed. He reiterated himself multiple times, and then told me he would email me the calls after he reviewed them, but then later retracted that and said that only he can listen to the calls. NOTE: There is no prompt nor employee that states that you are being recorded on these calls. I asked him that if he was to discover (which he will) three separate employees telling me about the coverage of my vehicle (two of them confirming the day before I brought the car in, and then the man who sold me the policy back on February 5th), what would transpire, and would that mean they would cover the $600.00 as I feel that's very unfair for me to have to come out of pocket. He told me that nothing would be covered, and the review of the calls was for his own "inside review."

    He then went on to badger me about how he is a MASTER TECH AND "finds it interesting that three days after my 60-day wait period that I have ALL THESE PROBLEMS," and then goes on to read all the problems that THE DEALERSHIP DISCOVERED. I told him that first off, I never received a copy of my policy in the mail (which he said he would email to me, and never did), and then told me to rest assured that he would review those calls and call me the following day. I asked him does that mean that something will be done by Endurance coverage-wise if he listens and realizes that I am telling the truth, and also that I never even realized that I had a 60-day waiting period. I was told in my first call (when I purchased this), that it was a 30-day period and all I needed to do was get an oil change and send them in the receipt. He went on again to explain that NOTHING WILL BE COVERED. I told him my frustrations and let him know that he along with others at this company are good salesmen, and they know how to smooth talk. He told me "Do not disrespect me, I am not a salesman, I am a special supervisor blah blah position" and how dare I insult him like that. I just told him that his way of handling situations is very poor, and if there is nothing they will do, that I will be contacting my attorney. He assured me nothing would get done by them, but NO REASON IS NECESSARY in getting my attorney involved. I just simply hung up on him. Still to this moment, 18+ hours later, still NO POLICY SENT TO MY EMAIL.

    Stay far FAR away from this company! They know how to spew the word EVERYTHING, when it comes to selling you the policy, but sure know how to say NOTHING is covered if/when the time comes that you do need to use it. Sad. Terrible experience. I have four vehicles and four different aftermarket warranties due to buying them from different dealerships, and I will say that I have never had an issue EVER like this. The other companies may work slower, but they actually cover things, EVEN MAINTENANCE ITEMS. Endurance SUCKS!

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 5 out 7 people found this review helpful

    Great customer service

    • Seattle, WA,
    • Feb 26, 2019
    • Verified Reviewer

    When I called, I spoke to a very nice lady who walked me through the entire process. They then sent me to another department who verified everything. I have had this warranty now for 5 months, and when I had an issue with my transmission, I took it into the Audi dealership and they covered everything 100%. I didn't have to use the rental car because Audi gave me a free car, and towing I used my American Express which was easier.

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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

  • 13 out 16 people found this review helpful

    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

    Help others find the most helpful reviews

    Was this review helpful?

    yes no

Showing 1-11 of 74

Write a Review for Endurance Auto Warranty!

Share your experience to help others shop smarter & discover great products.

Write a Review