Endurance Warranty

My experience with the rep went really well. I had a table full of medical bills and everything, but was able to get the information. He was clear as to what was needed. I was able to get it to him. He did respond to questions. He brought the price down to an area that I thought was fair. All in all we were impressed with the presentation. Assuming that what was told to me is honored, I don’t foresee any problems. I'm still in the probationary period of the two months and 1,000 miles. There's something coming but I figured that they're waiting for the policy to kick in before they send it. I also got a copy recently in the mail.

I'm one of those rare people that actually takes good care of his car. I've had the car from day one. But up to this point, the convinced me that Endurance was the best deal, and I didn’t feel like he was lying or trying to rip me off. I did not feel pressured. The facts spoke for themselves. The main appeal was the honesty that, "We are the insurance company and you're not gonna get a hassle." That's important. I would not have done it if I thought they were gonna give me a headache.

Everything's covered and there's the $100-deductible on parts. I told him I've always had the dealer do my car. He explained that the dealer could do the work, but the only condition was when the car is towed in, the dealer needs to contact Endurance soon so they can get involved in the process. That all sounds good to me and that's what I wanted. I want to be able to use the dealer. They also said they would fix anything that needed to be fixed. What was promised to this point has been delivered. I also did check the brand name and it is known. I would recommend Endurance and have. I've spoken to two people so they're considering it and they asked me questions. They were concerned too, and I explained to them. Endurance was very good at explaining what the other companies I was looking for do.

Their reps sucked and they weren’t very nice. I’ve already paid my 179 then the payments got broke down to $88 a month for 36 months. I’m into my second month on automatic payment now then they told me that I had to have another oil change within 30 days of the policy. And they want to re-verify the mileage, which will change from the time that they called and they won’t take “No” for an answer. I could’ve been a good trooper and just went out, got the actual miles on that day, and prove to them that I just had an oil change not less than 30 days ago. But I ain’t about to waste money and have another perfectly good oil change that’s set by Endurance. What difference does it make whether I have an oil change or not when you’re not really asking me the whole package of how my truck’s doing mechanically? And I’m lucky that my truck's condition is very sound and it's probably gonna be the last truck I'll have.

I went around a few times with their reps on these issues. I talked to about three different people and with all three of them, I almost cancelled. I’m on a 60-day period where you can’t have any transactions and that’s okay. It’s to make sure you’re not getting some pre-existing condition. But in my case, there’s nothing really wrong with my truck. So I’m just burning out that time. I’m paying my premiums ‘til that happens then hopefully, time will pass and you won’t even know the difference whether I’m covered or not for if something goes wrong, which I probably will be.

And for me, it’s pretty lucky because I got a certified mechanic right here in my hometown where I’ve had most of my service done in my vehicles most of my life. So I don’t have to go very far, depending on where I break down, unless it’s critical and needs to be fixed right now. And as far as what Endurance's policy offers a rental car or the place I go would let me borrow a car if I did the work right there.

But I’m not about to go be pushed around about it just to dot an I or a T there. They could be doing that every couple of weeks or every couple of months. And I’m supposed to keep track of my service that I do on my vehicle, which most people don’t do but I do. I keep track of my oil change, so the place that does my work if I have any work done has a record available to prove it. I’ve had quite a few new things on it. I’ve had a new brand-new battery put in not very long ago and I have four new tires that I’m still paying for. But what we paid off has nothing to do with what we’re talking about as far as insurance goes. These are things that I had to keep up with anyway, like down the windshield wipers and a lot of that stuff.

But overall, I’m not really satisfied even yet and Endurance's reps ought to believe what you tell them the first time. I had a pretty hefty talk to where I was almost gonna hang up on the last rep I talked to. I was setting to cancel and telling him to send me my money back. I wouldn’t have got it, but I thought it would at least help me that I was a prior customer. I’ve had Endurance for a few years and I didn’t even burn the whole amount off of three thousand and some bucks.

So far, I got the Ts crossed but I doubt it a little bit. Hopefully I don’t have to use the warranty because it sounds good on paper and verbally, but until you actually exercise some of these deals that you’re supposed to be getting credit for or fixed, you will never know. It's pretty cool to just pay a hundred bucks upfront to my mechanic or the dealership itself and they’ll take care of the rest. But at this time, my experience with them has not been very well and I hope somebody hears about what happened because the damage was already done.

However, it was very evident that when I called in, it immediately turned into a sales call. It was about informing me about the product, but the rep was continually trying to like, "Okay, do you wanna buy now? Do you wanna buy now? How about right now?" There was a good, strong push. And there were these incentives, "Buy today. Pay in cash 100% upfront and do these certain things." I recognized what was going on. I had more questions and it was more like they wanted me to buy and they wanted to spend more time on just getting the sale done.

Also, the guy did some weird stuff to secure the sales. It ended up like he settled up some deal where it gave him $100 and reserved my discount for two months that I could cancel and get my $100. But if I decided to keep it, then I was fine. That got me the discount. I thought, "Okay, this guy just wants his numbers to say he made a sale." That was coming through to me and I was like, "Whatever man, take my $100." But the gentleman was willing to answer all of my questions and took the time to do that, otherwise I wouldn't have purchased from them.

Also, there were some things that they left out that I got to the fine print later. They sell you this coverage where they pay up to $12,000 for the vehicle in claims and that's what I purchased when I was sold the goods. When I got the contract and read through it, it actually says up to $12,000 but nothing exceeding the market value of the vehicle at the time the claim is made. So, if you buy a vehicle worth $8,000 and you're paying for this $12,000 of coverage that you were sold, you will only get $8,000 which is something that they didn’t really go over in the sales part. They shouldn’t do that because they sell you this number and you think, "Okay, I'm getting this much."

If you buy a $4,000 vehicle and you think, "Oh man, if the engine breaks and it's gonna cost all this money," and you bought a $12,000 warranty for coverage and then you go to make a claim and it's like, "Oh, where's the other $8,000 I paid for?" That's an interesting thing for them to have to deal with. It's certainly information that they leave out from people who buy the plan that inclusively covers more, but then they get stuck with this cap that's in the fine print that you find out about later that it could be much less, depending on the value of the vehicle. I didn’t feel good that they would not clarify that in the beginning. But given that the value of my vehicle is high enough, I'm not too worried about it. That part wasn’t cool. Everything else seemed standard.

However, this employee was moving too fast and I wasn't happy with him. Still, somebody called me back and they said they would get the warranty straight. Even so, the guy jacked up my odometer reader and had everything really off. I knew he was trying to make a sale but Endurance already has a good name so he didn't have to pressure me. They're already with the VMA so their name is where they've been looked at thoroughly.

The first guy thought I had 48,000 miles and I don't know how he missed when I said 148,000 a couple of times. I was asking him "ain't all calls recorded" and he was getting smart on me back and forth via email. I told him that his professionalism is not on point and that he made me very skeptical. I then said I told him twice that I had 148,000 miles and that I thought he was moving too fast. The second person whom I spoke with made me comfortable and he tried to clean it up. But then, he didn't know what the first guy offered me so he was a little off. I then had to go through a third person but I still had a downpayment problem as what their guy initially told me had gone up. The third person tried to get this taken care of.

The second and third person both did their best for me. They tried to figure out what was going on and did not try to move too fast and tried to accommodate me. Thereafter, I had Benny's Automotive and Capital City Ford look at the contract with Endurance for me and the manager highlighted that I should make sure that my fluids are changed and that I keep up on the maintenance of the car.

I was very meticulous with my questions because I did buy a used vehicle. I wanted to make sure I wasn’t paying for something that I didn't know was broken in the vehicle. And the representative was thorough. One of the things that they told me was that if it’s one of the items that are listed on the warranty, it would be covered no matter what. That's even if the issue was pre-existing without my knowledge. So once I had that information, I thought the coverage was good. I was also actually told this by two different representatives. One was telling me to get the purchase but I was also told it after the purchase.

I also had some reservations because there is a 30-day waiting period when you can actually cancel the policy in the event that you don’t want it. My disclaimer was that I was buying the policy based on them telling me that it works this way. So if I would need to cancel it, I would be expecting to get all my money back because it wouldn’t be what they had said. They were really forthcoming in letting me know that I would be able to cancel. So it really seemed foolproof based on the information that I was given.

They also made it sound like submitting a claim would be an extremely simple process to get done. I drove my vehicle to Chicago and back and when I heard a little noise, I called and asked them what I would need to do if there was something that needs to be covered. They said that as along as it was an ASE-certified mechanic, they could call in on Endurance's claims departments, which would give them an approval, then the mechanic would be able to fix my vehicle. As far as the purchase process, the explanation, the benefit itself and the ease of having to use it according to what they were telling me, all that seems great.

Another thing I asked for was an invoice. I prefer an invoice every month because that’s how I pay my bills. I got a couple of phone calls that it was due. I was wondering why they were calling me. And it was because of a bill that was due, and I couldn’t remember when it was due. If I’ve had that invoice, I could’ve intercepted those phone calls. I need that invoice, so I could be able to send my payment. All the elder and the senior citizens probably don’t have a computer and don’t even know how to use one. And all the old school probably prefer a paper invoice. So I would recommend that they send an invoice to everyone, and then let the consumer decide. Other than that, I’m hoping I won’t have to use the warranty any time soon, but I’d rather have it then not have to use it than need it and don’t have it.

The Endurance rep made it sound like filing a claim with them was super easy. I can go to any dealership and tell them that I have an extended warranty coverage through Endurance, and Endurance will handle the payment directly. So far, the experience has been great. And if someone was asking me for extended warranty referrals, I would certainly recommend Endurance Auto Warranty.

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 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.

What I liked was the fact that he had the option to sell me probably the most expensive package there was, but he asked me a lot of qualifying questions first and then was able to fit me in what we both agreed would be the best policy and coverage that I would need based upon my car and how I drive. He had the chance to hard upsell me but didn’t do that because he wanted to make sure that I was happy. Every time I asked questions, he was able to answer every question that I had. Then he transferred me to verification and it just went very smoothly and seamless.

There was the initial fee and anything else is automatic out of my account every month, so nobody is checking up on missed payments. I have an oil change within 30 days and when I go into the dealership, Endurance handled everything, so there was no need for me to do anything. I haven't had to have my car fixed yet so the judge is still out on that one. I’m hoping that it’s as seamless as everything else was.

In addition, there may be additional fees like "shop supplies" that most dealerships charge. Those are not covered by Endurance (see section E8A per John)! In the end I had to pay almost double what my deductible was. An additional $80.03 to be exact. That may not sound like much but this nickel and diming is for the birds. At the moment I'm caught in the middle as I need my vehicle like we all do. In the end, I'm shopping around for a new company to provide repair coverage. My shop I've been doing business with for decades and am also considering a change there as well.

I’m really impressed with the coverage from Endurance and how much it costs. Their reps went over the process of filing a claim and when I received the welcome package, I was able to confirm what they said based on what I read. Also, the payments are very easy and simple. I went over the phone for the first payment and I thought that it was something that would continue automatically. But the representative told me that I had to set it up myself. So I went online and set my payment up and it went through.