Endurance Auto Warranty Review: Is It Worth It?

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

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

Endurance tells us their auto warranties are honored at any of the more than 350,000 licensed, ASE certified repair facilities in the US (note: no coverage in CA).

Also, their direct-to-consumer model claims to cut out the middleman and save you up to 50%, compared to purchasing a vehicle service contract through a dealership.

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

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

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

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

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

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

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

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

Endurance Premier

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

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

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

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

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

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

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

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

Endurance Secure

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

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

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

Endurance Superior

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

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

Endurance Supreme

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

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

How Much Does an Endurance Auto Warranty Cost?

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

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

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

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

What Are Endurance Auto Warranty Customers Saying in Their Reviews?

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

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

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

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

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

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

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

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

Who Backs and Supports Endurance Auto Warranties?

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

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

Are Vehicle Service Contracts a Good Idea?

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

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

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

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

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

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

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

The Bottom Line

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

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

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

» For Further Reading:


Read 90 Endurance Auto Warranty Customer Reviews and Complaints

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

    Extended warranty coverage for vehicles over 100k is a scam!

    How can this company advertise a peace of mind for an extended warranty on a vehicle that has over 100k miles and expects no wear and tear? It shouldn't be offered, period. After more than 5 years on the road, wear and tear are expected.

    I am very particular when any malfunction message pops up on my dashboard. My contract states timing gear is covered, but they denied my claim because the belt was stretched a little bit out, so they categorized it as wear and tear. Well duh, the car has 108k miles, that's expected, but they denied the claim and refused to show me the pictures or their report as to how they came to this conclusion.

    Moreover, to add insult to injury, part of their protocol is that one of their adjusters has to see the engine completely taken apart in order to determine if they will cover the claim, so after my engine has been completely taken apart, I have no choice but to repair said claim, which cost me close to $6k.

    You can imagine my frustration when speaking to their manager (Steve) and explaining my frustration with this matter. He refused to help in any shape way or form. Not only did he refuse to give me supporting documentation to support my denied claim, he told me to shut up then proceeded to tell me I wasn't complaining when they covered a starter for my vehicle. How professional was that? Mind you, the starter was replaced over a year ago, in which my monthly payments plus deposit covered two times over.

    If anyone has a vehicle with over 100k miles, do not, I repeat, do not waste your time with a warranty; its a scam, they have no empathy, and will not help.

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

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  • 23 out 25 people found this review helpful

    Terrible customer service and claims department

    • Powder Springs, GA,
    • Oct 11, 2017
    • Verified Reviewer

    Our car has been in the shop for four weeks. They had to completely tear down my transmission to have an inspector look at it. After four weeks they denied the claim. It was my torque converter and transmission. Now we are stuck with a $5,000 repair bill. According to the book they sent me, this should be covered, but they refuse to cover the repair.

    This is the worst company ever. I talked to several other companies, and they said that my repairs would have been covered if I had a warranty with them. I recommend you run away from this company fast.

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

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  • 21 out 22 people found this review helpful

    Don’t buy

    • Philadelphia, PA,
    • Oct 18, 2017
    • Verified Reviewer

    They are a ripoff. I paid all this money for their extended warranty only to find out twice it didn’t cover anything. Never again am I trusting a warranty company because, in the end, they don’t give a damn about you. If I could give this company zero stars, I would.

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

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  • 18 out 20 people found this review helpful

    Save your money

    • San Antonio, TX,
    • Oct 26, 2017
    • Verified Reviewer

    These guys will fight you all the way to the end to deny claims. Their customer service is horrible and no one knows what their talking about. I wasted $3k on this company, and they would not help me when my sunroof went out. I installed shocks and said I voiced the entire warranty because they are not stock or original part. So now I’m out $2k. Stay away or go with another company.

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

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  • 19 out 21 people found this review helpful

    Scam and rip-off

    • Maryland,
    • Dec 7, 2017
    • Verified Reviewer

    Endurance extended warranty is a scam and a rip off! People need to come together and place complaints to the BBB and FTC to report how they are scamming customers, so they don’t scam another innocent person! I had to give a one-star rating but would give ZERO!

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

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  • 17 out 17 people found this review helpful

    Good luck getting a straight answer on the phone

    • New York, NY,
    • Dec 26, 2017
    • Verified Reviewer

    Good luck getting a straight answer from this company. They use the "on hold" button on the phone as one of their techniques to get you to give up. I own a repair shop and had a car dropped off with an issue. I had to jump through hoops just to get them to send an adjuster out. Adjustor came out and verified the problem and said he would submit a report and the company would call. No call ever came.

    I called them several times and was put on hold for about 15 minutes at a times. I kept getting kicked over to different people who would start the claim all over again. I never got a resolution. My customer is frustrated with the company because he has been without transportation for three weeks AND he paid $3,000 for this contract. RUN, do not walk, from Endurance.

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

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  • 20 out 21 people found this review helpful

    Very disappointed with Endurance Auto Warranty; they did not keep their promise!

    • Jan 5, 2018
    • Verified Reviewer

    I bought an extended warranty for my vehicle, and 4 months later when I needed to use Endurance for my vehicle repair when the transmission went out, they all refused to pay for the repair, including a rental car, so I was stuck with the bills.

    They said that I abused my vehicle when it went out. So, tell me how can you abuse your vehicle if nothing is wrong with it, until it goes out, which you don't know when it's gonna give up on you until it happens?

    Very, very disappointed as a customer!

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

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  • 25 out 27 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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  • 24 out 25 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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  • 25 out 27 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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  • 25 out 26 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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