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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44 Consumer Reviews for Endurance Auto Warranty

Average Consumer Rating: 2.2
Rating Snapshot:
5 star: 12 4 star: 1 3 star: 0 2 star: 3 1 star:  28
Bottom Line: 30% would recommend it to a friend
Showing 1-11 of 44
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  • 1 out 1 people found this review helpful

    Endurance - DO NOT get your warranty here

    • Florida,
    • Oct 14, 2018
    • Verified Reviewer

    If a large amount is to be paid, they will find something not to pay. First, they told me that I did not keep up with the oil change so drove to my dealership for a printout and I emailed it to them. The email shows that I've always been early with my oil changes, so they temporarily reversed the denial. Now, they say that I have aftermarket parts on the vehicle which for them is a change of tire from when I had a flat. So, they denied my claim because I did not have 1 out of 4 factory tire on the car. I was having engine problems which amounted to over $2,000 on a 2013 Chevy Malibu, and they did not want to take that loss.

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

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  • 1 out 1 people found this review helpful

    Car repair claims denied

    • Florida,
    • Oct 11, 2018
    • Verified Reviewer

    I have had Endurance currently for 18 months and have a pretty nice vehicle that never gives me any problems, except your very basic wear and tear. Nothing major. I have always paid my bill to Endurance like clockwork.

    Now recently I have had a coolant issue and an internal valve cover gasket issue that should have been covered by Endurance according to their plan details booklet. No! Not the case. Denied. They didn't even try to help me after thousands of dollars later that I have paid to Endurance.

    I am upset and feel taken advantage of and will not recommend Endurance to another family member friend or co-worker. Endurance didn't even try in the very least to help me. They didn't try at all, and I have paid them righteously. Endurance will no longer receive my business. Thanks for absolutely nothing Endurance. All you've given me is nothing, not even a return call. If this is how you treat your customers I'll be better off going someplace else. It's quite sad and unfortunate, so beware of Endurance and make sure you read the booklet, please.

    Oh, by the way, I had the highest plan they offered, the select premier coverage, and it got me nothing. It was the plan they recommended. Sounds like a scam to me. After thousands of dollars to you people, I am sick to my core with your business practices. Once again, thank you Endurance for nothing.

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

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  • 2 out 2 people found this review helpful

    Deceptive marking and sales

    • Florida,
    • Oct 9, 2018
    • Verified Reviewer

    CAUTION.

    Stay away. This company will take your money, and when you need them most, they slow walk and find reasons for a delay, and excuses. They are continuing to debit my account, while not accepting and processing my claim. It has been over a week and there has not even been a call back after they ran out of excuses to accept and pay out my claim. In the end, you will have to seek the help of the Federal Trade Commission, Attorney General, and my own legal efforts in order to enforce a contract that appears to have been fraudulently sold under deceptive marketing and sales practices in the state of Florida by Mr. Michael H. Truly a disappointing and time consuming experience. If this review saves even just one person from dealing with this company and Mr. Michael H, then it is worth it.

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

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  • 0 out 1 people found this review helpful

    Lorel was so helpful

    • Seminole, FL,
    • Oct 4, 2018
    • Verified Reviewer

    Lorel was so helpful and pleasant to talk to. I was going to give up, but after talking to her and her helping me with where to take my car, reviewing the place for me, finding a rental car place, and making sure my car was covered, she helped me so much. She is such an asset to your company.

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

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  • 2 out 2 people found this review helpful

    Does not provide coverages

    • New York,
    • Sep 27, 2018
    • Verified Reviewer

    Endurance claims they will cover your auto mechanical problems. However, when your car does run into a problem and when you do file a claim, they would try every way to deny your claim. My car has a mechanical problem that's verified by the car's own manufacture mechanic professionals. Endurance has been requesting unreasonable documents and ultimately deny the claim. The customer representative was not helpful and unprofessional. I would not recommend anyone to trust what they advertise. They wouldn’t cover you when you're in trouble. But they would take your money. It was a very bad experience choosing Endurance.

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

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  • 2 out 2 people found this review helpful

    Scammers at their best!

    • Lanham, MD,
    • Sep 26, 2018
    • Verified Reviewer

    Facts, facts, facts! Please believe these reviews!

    I've always gotten calls from them but ended up hanging up once I heard the automatic system began to speak. So when I got the letter in the mail, I called to see what it was about. Not even thinking they were the same people.

    Moving on to the point, the rep's skills at selling me this, was A1! So I made the first payment of $186. When I got to work I shared the good news with my supervisor and showed her the piece of letter I got in the mail. She immediately recognized the document and simply told me to look at some reviews. So I did.

    As I looked at these reviews, I was upset because I was so excited that I was able to get my car repaired with just a $100 deductible. But these reviews were so detailed and consistent, I went with my female intuition and called right back to get my $186 right back.

    Moving on to the other point is, when I called back, the lady who answered the phone was rude as heck. She picked up saying "Thank you for calling Endurance. Are you calling for this or this?" My response was "No." For some reason she didn't hear me. So her rude response was to say "Hellooooooo." This was more confirmation this is not a company that I want to deal with.

    Once I got on the line with another rep to discuss my refund, it only got worst. This man would have won a grammy of how good he was trying his best to keep me getting a refund with all the BS stories he was telling me. Basically he was giving me the run around. He wasn't slick enough for it though. He thought I was going to allow him to finesse me on my money. Saying, "no give it some time," or "I can email you paperwork showing what we repair" and "just wait till you get an estimate at the repair shop."

    People, I promise you, I told this man more than four times that I was certain that I want my money back. But once I had enough and took over the manipulating I said "John, I understand it's your job to save your company, but you are doing exactly what the reviews told me. Why are you giving me the runaround? Why are you making it so difficult for me to get a refund?" Once I said this to him, he was like "ok, let me process it for you". In my head I was like yeah you better!

    Oh, and in the process of him trying to finesse me, I told him to send the paperwork to my email showing what's covered. He said he sent it and I never got it. He said my refund will be sent to me today since I made the payment today. I will be calling back before 6 pm just to check their system as proof to see if it's even in the system showing I canceled.

    To sum it all up, don't waste your time fooling with these people. Look for other options. And thank you to all the other reviews. It did help. I'm honestly choosing zero stars!

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

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  • 1 out 1 people found this review helpful

    Won’t stop calling or sending letters

    • St. Louis, MO,
    • Sep 26, 2018
    • Verified Reviewer

    I got this warranty two years ago for a Ford Focus. Two weeks after I got the car and warranty, something broke on my car. The thing that broke was not covered under the warranty. A year after I got the car and warranty, I sold the car. A week after I talk to them, they kept calling me and calling me out and I told them I don’t have a car anymore, but they kept calling me. And now they keep sending me these stupid letters on a car that I don’t have anymore.

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

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  • 6 out 6 people found this review helpful

    Canceled warranty

    • Craig, CO,
    • Sep 19, 2018
    • Verified Reviewer

    I purchased a warranty at the end of May, paid $190.80. Then within one week, they took $155.00 for the first payment. It was way out of my budget to be paying that much for a warranty that hardly covered anything that normally breaks down on a car after so many miles, but my vehicle hasn't even had 100000 miles yet. I canceled the warranty. I had to cancel the debit card because even though I had canceled my policy they still tried to take money out of my account. I called several times trying to get my deposit back. Finally, I was told I could get $125 some change back and here it is September and I haven't seen anything. Honestly, if I ever do need an extended warranty, after the service that I received from several call agents, I won't be a customer of this company ever again. I'm completely dissatisfied with the service I received.

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

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  • 5 out 5 people found this review helpful

    Scam!?

    • Louisiana,
    • Sep 12, 2018
    • Verified Reviewer

    My 95-year-old mother who is in an assisted living home in Mississippi has been called three different times by Endurance to sign up for an Endurance warranty on her 2007 Toyota Camry. Unfortunately, she signed up three separate times for more than the car is worth! She has dementia and knows not what she does!

    My sister and I have called twice stopping it! We have power of attorney over her. She has been partially refunded, but not all refunded. They are very difficult to talk to! They called again in August...mama signed up again, this time thru PayPal (they take money out of her account automatically)! We just saw it on her bank account. Trying to stop and get refunded, what a nightmare! They are taking advantage over our poor mother who has a very limited income. Mama forgets what she has done. When we find out, hundreds of dollars are gone! If anyone has suggestions as to how to handle this, ket us know.

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

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    • Sep 16, 2018

      Joey J.

      Inform the bank to refuse any "automatic" payments on your account. You could also close the account.

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  • 4 out 4 people found this review helpful

    Do not BUY from this warranty company

    • Pennsylvania,
    • Sep 8, 2018
    • Verified Reviewer

    Please do not buy from this warranty. When selling the warranty, they pose as such a reliable and dependable company. When you need them to help with expensive garage bills, they find loopholes so they do not have to pay. We paid for this warranty in full and had 71,000 miles left on the warranty when our engine blew. We provided proof of maintenance and spent endless hours on the phone with this company, and in the end, they would not cover the bill. We had to pay and decided we wanted to cancel the warranty knowing we had 71,000 miles and three years left on it. We paid over $3,000.00 for the warranty, and they offered us $134.00. This company will take your money and run. Please do yourself a favor and run far far away first!

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

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    • Sep 26, 2018

      Linneth C.

      The same thing happened to us, except they don’t want to cover anything! They are scammers!

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  • 10 out 10 people found this review helpful

    Scam artists

    • Denver, CO,
    • Aug 3, 2018
    • Verified Reviewer

    These people are nothing more than boiler-room phone scammers. They hound you to death, won’t remove you from their list, send intimidating letters. I wish I could give negative stars.

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

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