Endurance Warranty

If I don't do it, would they make me go to a service center and have the car checked out? Because I did not understand what he was talking about. And he said, "It's just the way it works." It felt like a high-pressure tactic. But I'm savvy, and it is what it is. So, while I was on the phone with him, I googled the reviews and it seemed legit. And it wasn't to a penalty or anything. I can cancel it anytime I want and I'm out of it. So I wasn't putting anything up, risk-wise.

Endurance said that all my car was approved for was the middle-tier warranty. But if I had the option to upgrade it for a nominal amount, I would have because it covered more. If that middle-of-the-road warranty cost $130 a month, the difference between that and what the highest one wasn't that much. So, I would have paid another $30 or $40 a month to have access to that better warranty. It was just presented as a take it or leave it, without saying "Take it or leave it."

The payment plan is nice and convenient. I did the down payment, and I had to wait a month and 1,000 miles before the warranty became active. But they just debit it out of your account. I tried to be savvy. I wanted to pay it biweekly. The rep said, "The only way that you can do that is if you call and make the extra payment manually. But your plan won't take effect until the payment is full, which would have been 45 days." It would move it from the 11th to the 28th. I said, "Just do it."

Also, they were stating that if I didn't pay for a repair that my facility is telling me that the vehicle needs at this point, my engine would no longer be covered through my Endurance policy. That was a little wishy-washy. Now, I still don't know what the final say is going to be ‘cause my service advisor is going back and forth with Endurance right now. Other than this, it's been a breeze and Endurance has saved me a ton of money on repairs already. I don't mind paying the deductible because I know that my car is completely worth it.

I still tell people to get Endurance because I know what the other policies cover. Their plans are all good. They don't just cover repairs but a lot of maintenance items as well. With my policy, you get three free oil changes a year which is totally worth $100 a month. You also get a one-time brake pad replacement and a one-time battery replacement for the life of the policy. Even if my claim doesn't turn out in my favor, I still tell people that this policy has paid for itself tenfold already.

I had an issue with my BMW where it kept dying every single day with a new battery. It turned out the issue was the electric coolant pump that had a draw on it. Even when the car is off, it had the coolant pump turned on even though I don't hear it. They rooted the problem right at the dealership and Endurance covered it. The coolant pump alone was $900. Then the labor was another three and a half hours times $225 an hour. I'll pay a $100 deductible for that any day.

They also covered my oil pan gasket that was leaking as well as a valve cover. They gave me a discount on batteries and brake pads. The warranty has kept my car on the road. I have a 2012 BMW and it drives great. So, I wouldn't have been able to afford that repair, especially at that particular point in my life.

The main reason I wanted the warranty was because of the high-end tech things I needed which included the navigation system, the voice assist, the park assist, the lane assist, the brake assist. There were too many things that could go wrong with my vehicle and everything when you're dealing with a computer or high tech is expensive. Just changing the radio and navigation is $2500. Endurance covers every single high-tech thing. Also, a lot of the other warranties that I looked at said they could use aftermarket parts or refurbished parts. I didn't like that and that's another reason why I chose Endurance. It's stated that they only use OEM parts for major things in the car. For the air conditioner, if that breaks, they are not using aftermarket parts. If the exhaust system or something happens with that, they're not using aftermarket either and that's in writing.

My warranty covers seals and gaskets. It doesn't have to be that something else is causing the issue. With other warranties, they cover seals and gaskets only if it's part of another repair. The warranty is beneficial. Within five years, I would get my money back from the policy. If something were to happen, and I totaled the car or sell it, I can always cancel the policy and it would be prorated.

The package that I have encourages me to get the maintenance done on my vehicle, and it gives me discounts on different things. I get a $50 credit towards oil changes. I also got a set of wiper blades for free. They give you different things toward the different intervals of the servicing that you're supposed to get as well. I read my policy line for line and I called them when I wasn't sure what different things meant. They were very helpful. If the rep didn't know the answer, she got a hold of someone else and gave me the answer I needed. My policy is a great deal. We purchased the car for my son and the monthly payment is low enough that he can pay that in two years because we wanted to teach him responsibility. It worked out and they're flexible with the monthly payment.

Endurance gave me the book to read, and I never read it. I’ve had it for so long, and with my Dodge, nothing ever went wrong. I bought it new in 2012, and it had a three-year factory warranty. I knew I was coming to an end and figured I'd better protect myself. I started looking at extended warranties and ended up calling Endurance. It sounded like something I wanted, so I went with them and I’ve had it for quite a while. The extended warranty has been very good because I think I bought a lemon. I’m having multiple problems with my Chevy truck, and it’s only got 30,000 miles on it. It's a 2019 Chevy High Country, which is the top-of-the-line truck that Chevy makes, and it was $70,000 when it was new. I should have kept my Dodge.

When my passenger window wouldn’t go up, I took my Chevy truck in and the dealership called the insurance company. They had to get the okay from Endurance before they can look at the car. They said, “Go ahead and fix it,” and within two days, I had my truck back and the dealership charged them $500 for the repair. Endurance was fantastic. I paid a little extra, but I got zero deductible, which I really like. One time though, it took them a while to get their appraiser out there when the power steering went on the truck. It turned out to be $2,500 in repairs.

I can understand if they have to send their appraiser out to look at it to make sure the auto place isn’t ripping them off but the truck sat there for quite a while and the the dealership wouldn’t give a loaner. They said, “Well, that’s up to your insurance company.” I thought I would get a loaner, but I didn't. Other than that, I've been perfectly happy. If there were more stars, I would give it to Endurance. Within the last three months, they have dished out close to $4,000 in repairs at the shop. New trucks are absolutely ridiculous. You can't even put new pads on a truck without going to some kind of system because everything's electrical. Now, I'm having problems with the brakes, and I'm afraid it's gonna have to go in again. I hope Endurance doesn't drop me.

I was comfortable going into the program with Endurance. I got burned on a warranty that I had bought before for one of my cars. I never used the warranty and it was almost $3,000 that got tied in when I financed the car. I never had to use it but when I made the last payment on that warranty, it was done. It was null and void. They screwed me over. So I had to fight and they paid a portion of it finally and then the dealership cut in, but I still had to pay 300 and some dollars just to get the work done. The first time that I have any kind of mess with this warranty or any other warranty, I will find somebody else.

I told the rep from Endurance that I was thinking on paying on this for three years. I asked the rep if it’s going to be null and void if it gets paid off early or if I go the full three years, and my daughter is not at 100,000 miles. And he said that even after the last payment, I’m still going to be covered. I said that I just wanted to make sure and he said that I’m guaranteed for three years or 100,000 miles.

On the phone, the rep was very knowledgeable and spent time with me. It wasn't five minutes and done and over with. I paid at the time of but he told me I had 30 days to cancel. He gave me all of the email documents that I had to print, which was substantial, but it is what it is. And I understood that concept. Then when I read through everything, he verified everything that was in the paperwork. So, to recognize and to be able to touch point on key information that's needed in order to sell these policies, he was very much on point. Everything that he said, I could confirm in the paperwork and the emails that I received.

They stated that they declined the repair as it was pre-existing since it was part of the power steering system. I argued that it was not leaking at that time, 5 months have gone by with no power steering fluid leak, not to mention, the AC Condenser is part of the AC System and not the Power Steering System. They would not budge.

I manage an automotive repair shop. I will make sure people know about this company. Also, I know a lot more about these processes than they know. I am filing complaints with the FTC and Atty Generals Office. I want my money back for the months I, in good faith, paid them for this policy. Their concern is not covering repairs on your vehicle but is to collect money for contracts that they don't honor. And they will make up all kinds reasons why. Most people will just hang up the phone and feel sad/bad that they did something wrong or didn't buy the right policy, or didn't understand the policy....no!! They are trained to decline claims by any means. Be careful, be aware and do research before buying. Anyone can post a "good" review. The bad ones are the real ones.