Endurance Warranty

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.

We had a program one other time. We had bought two new cars and it was our first excursion into these highly electronic vehicles. It'd be a good idea to have them covered. When we had a couple of issues, we were treated poorly so I was very leery of this kind of a process again, but yet having bought that vehicle, it might be worthwhile trying it once more, and we have.

At first, I had some problems with the MEPCO website. I couldn't get from Endurance to MEPCO very easily and I had to make a few phone calls to get there. It took me about two or three different tries. We bought the warranty in either November or December and the first payment was late because I couldn't get to the website at all. I kept trying to enter the data and for some reason or another, it wouldn't take it. I got a nastygram from Endurance saying I was late and I said that I tried to pay three days ago and nothing happened. I never got a receipt. I talked to a couple of people about it and it seemed to indicate to me that I paid it. But I got the nastygram from Endurance saying I was late and did I need help with payment. It was a whole bunch of who struck John about my finances but it had nothing to do with that. It had to do with their website. So, I explained that to people and I was able to get the payment made.

The following month, I had a similar problem but I kept trying because I noticed that the first time, after I got on it the second time on the first payment due, there was a difference in the way it reacted. So I kept looking for that and I finally found it. I would like to see it be all just one website to go to rather than the way Endurance splits it up between their service and advertising website, and then somebody else is collecting my money. I find that a little disconcerting, but if that's the way they're going to do business, that's your business model and it’s entirely up to them, but I would prefer different.

I don't have any problem with the sign-up procedure. The only problem is that I didn’t know that they wanted me to wait 1,000 miles. I could care less, because as soon as I picked up the car, I took it to my friend down the road who owns a garage and I had him check everything. He checked the brakes, the tires, the oil and the Freon pressure. He took care of all that and I paid that out of pocket. I already had the car serviced and I don't care about any contracts. Money is not my issue. It's getting something programmed that the boys can use. I bought a 10-year-old Hyundai Accent, because I wanted something for the boys to start and I want them to have it. They start driver's training next year and as long as they're driving the car, it will continue to be insured and it will also have the Endurance service if it works. It doesn’t go away.

Everything was fine, except the terms of the agreement are concerning me. Because I looked up the people that I talked to and they told me that they have people that use Endurance all over the country, and I said, “Okay.” Then, they were telling me that they were trying to recruit as many people as they can as customers in Florida because of the growth in Florida. I live in Polk County so I started looking around to find somebody who uses Endurance in the event that I need to get something done, I would know where to go. I found only one in my area. So, my concern now is that they're moving into Florida, but there aren’t very many people in Florida that will honor Endurance. There are some in Tampa and some in Jacksonville but there are few anywhere else. If I start hunting and I can't find one, I am not gonna be a happy camper. I'll be looking for somewhere else for coverage or another place.

Endurance said I have the right to stop whenever I want to. I’d just tell them to terminate, I don't make any more payments and that's the end of it. I just lose the money that I invested upfront. Now, to make it even more exciting, I'm moving to Oregon and I don't know what Endurance offers in Oregon. Also, there were a few things that Endurance failed to mention that were clearly omitted. One of which was the use of Mepco as finance people. Nobody told me about that and I didn't know until they sent me the bill.

I got full cover insurance through Progressive. Then they got a little insurance up there at the Ford place where they take care of certain parts. When I was up there talking to the guy about it, he was telling me that they got something that’ll take care of like the brakes, the motor and the different stuff that they were telling me about Endurance. I had just made up my mind to just keep everything in one place, which would be at the Ford place. If anything happens, I'll just let them take care of everything. It was gonna be like a $105 a month that I would have to pay up there to Ford place. I am just gonna let them handle everything at the Ford place because I'm going through a little something right now and the cheaper that I can get things to work out for me, the better.

At first, I spoke with the guy from Endurance and he was nice. I let him know that he would have to call me back around by the 1st of October because I didn't have the money when I talked to him because I had just went and purchased the car. He didn't do a follow-up call with me. Another lady did right towards the end of September. And she's telling me that she could get me approved and she let me know what I was going to have to pay to get it approved. She broke everything down. She was really sweet.

Then, I ran into a problem and I really didn't want to get in. With the lady that I was talking to yesterday, I didn't want to talk to her about what I was going through. I just let her know that I was going to take everything to the Ford place. I was going to try to deal with them until I got myself straightened back out. I had to tell her about three times that I just wanted to get my refund back. It's not because I found anything wrong with the service but I just thought they said I had 30 days. I was trying to do it within the 30 days because the only thing that I paid on it was getting it set up. I haven't even paid my first monthly bill yet. I was trying to stop that before it got to that point and they got ready to take the money out of my bank account and I was gonna need it. The lady said she cancelled it. I have been checking my banking account, but it hasn't gone back in my account yet.

The fact that, even if the car goes into the shop for major repair, I get at least a five-day rental. If I lose my keys, they cover me. I've lost my keys and had to call a locksmith. I've had to pay the $400 to have it replaced. It just relieves everything because it's like, "Wow." I just did an oil change yesterday. The car was saying to give it an oil change or it was saying give it an oil change soon. Things like that give me anxiety when if the check engine light is on or there's an issue, I can't because I need a reliable car. Although, I know the vehicle has a lot of miles, it is very reliable. It's a good ride, it rides good, it performs well. But I like the security and the protection that Endurance offered, which is why I went with the company. Because everything that they were saying, I've probably experienced.

Before this Ford Fusion was the Chevy Malibu and I had expired my miles for my warranty. I bought it brand-new from the dealership and I went to my miles. I've owned the car for a few years now, but I was way out of my warranty and the transmission went on me. The transmission was 33-something. That was something I wasn't prepared for. There wasn't even a warning, there wasn't anything for me to say, "Hey, okay." So, I had to park the vehicle. I was paying for a rental and I have to save up the money for because I needed a car. I don't want to be in that situation again because paying for a rental every week was a lot.

I feel much more comfortable and secure now that I have this warranty. I've bought brand-new cars off the lot. When you have that warranty, something goes wrong, you're worry-free. You take it to the dealer here, you fix it, whatever is wrong, whatever was defective, they fix it for you. Great, you go on about your day. I like the $100 deductible because it's not like I got to come up with $1,000. I liked everything about it in comparison to other situations in life. I like this and I'm gonna go with it. The guy was very adamant. He wanted me as a customer and he did everything in his power to make sure that I was satisfied with my warranty.

I have definitely been telling all of my friends, "Hey, have you heard of these companies and do they work or am I wasting my money? Are they really gonna cover my car or am I wasting my money?" Some companies offer you things. And one thing that I liked was the rep was very clear that it is not a reimbursement. I take it to the dealership, the dealership deals with Endurance, Endurance pays them, and it has nothing to do with me. I just pay my deductible. I am looking forward to seeing if this is really for real.