Endurance Warranty

And there were a lot of loopholes with the other companies. You had to meet certain requirements and have approved documentation before they'd even honor their policy. In talking to Endurance, they told me that as long as I'm going to have my 100,000 miles maintenance done on my car and keep my receipts, that'll be all I had to have. They seemed like that they were easier to work with and more upfront on what they were saying the warranty is covering. The other companies were very vague about specifics but Endurance was not. They flat out tell you what is covered and what isn't, which made it easier for me to understand.

They sent me a letter in the mail then I called them and they called me back. We spoke then we went through with the process. They have been very nice, too. With all this Corona stuff going on, I've been laid off from work and I don't know if I'm gonna be able to keep the policy up. I called them and I spoke to a guy about that the other day. I explained to him that I'm very worried, I'm elderly, and I have Social Security but Social Security covers my major bills. I have part-time jobs to supplement that and I was gonna pay my premium out of my extra income that I was making. But with the loss of my jobs, I've been very concerned about how I would be able to swing it.

When I took out the policy, I had no idea all this was going to take place and it's left me in a pretty financial precarious place. Then he told me that he was gonna waive the premium for this month to give me breathing room and give me a month to see what was gonna happen. He was very professional, very understanding, and told me that we would talk again in June when my jobs have opened up and I'm back employed, which I hope I will be. So so far, they've been working with me really well.

When I was on the phone before I got hooked up with them, they stated the engine, the tranny, and anything pertaining to the rear end and front end were covered, but I wasn't sure about the wheel bearing. I wanted to see if I have a wheel bearing on my vehicle coverage or not. The rep was rude. I didn't like him. He said, "I don't understand why you got to call up to find out. You need to take your truck to a garage." I said I wanted to find out if it's under warranty because I have not yet received any papers from Endurance. If I take my car to a garage and it's not covered, they're gonna charge me for looking at my truck. If that's the case, I'll just buy the wheel bearing myself and stick it in.

The guy who hooked me up and took down all my information was really good. But with the second guy, I didn't get explained a lot of things. Aside from not getting my paperwork, I didn't know anything about the app. All I know is I got an email on my phone. Every time I turn around, my email wants to delete it, so I have to say undo. I'm afraid that one of these days, I forget to do that, and there that goes.

The other thing is my vehicle broke down on Saturday and Endurance wasn't even open until Monday. What the hell will happen if my truck breaks down on a weekend and I can't get it fixed? With Toco, it's a 24-hour thing. So, if it happened, they just say to take it over to the Dodge dealer, drop it off, and they'll assess what it is and go from there. I've been without my truck since Saturday. I'm not able to drive it very far because it's pretty bad. It's sitting in my driveway. I was supposed to go pick up a pickup truck bed for my truck 'cause it rotted out. I ended up having to rent a pickup truck to go and get it.

First, Endurance gave me the spiel about their coverage and then I tried to negotiate over the phone to get the best deal. They told me that it would be bumper to bumper coverage with $100 deductible and so forth. They gave me all the details. I ended up paying like $3,000 for up to 109,000 miles. There is also 109,500 or five years from the date of purchase. I wanted to pay in full and I asked them if I would get a discount if I did. Many people do that, like insurance companies and so forth. If you're paying in one shot, they are supposed to give you a discount. But Endurance did not. It surprised me that they said that I would have to make monthly payments for three years or 36 payments which they would put on a credit card.

I then asked Endurance if they could send me something in writing, but they said that it had to be processed and then they would get something in writing. After I hang up the phone, I was gonna go to the dealership. But I really wanted the extended warranty in my pocket before I'd go there because they'd try to sell something crappy for a lot of money because they'd get a commission out of that.

You would think that it would be better for me to see something in writing. Since I didn’t have much time and Endurance told me that there is a 1-month money-back guarantee, I took the risk. If this was some type of scam and I didn't receive the policy information, I could always tell them that I changed my mind and didn't want it. I went to the dealership and the truck was exactly what I was expecting. I purchased it. Everything went smoothly and I was very happy.

I’m glad that I've called Endurance up before going to the dealership. The dealership, of course, did try to sell me an extended warranty for a lot fewer miles for a lot more money, which I turned down. When I told them of what I got from Endurance, the guy got pissed. So, my overall experience with Endurance has been good. It was very smart of me to get the coverage before I even purchased the truck.

The policy looks very straightforward. It covers pretty much everything except the wear-and-tear stuff like brakes, tires and things like that. They also have roadside assistance. They even pay for the rental if I ever need to. Endurance seems well-known and it’s not like some weird thing. Now, they charge my credit card once a month and I’m gonna be paying for three years and I’m covered for the next five years.

I had already called CarShield and they were just too expensive. I had called CarShield a long time ago before my warranty was even close to being up just to get some information from them and to see if I wanted to go with them. They were not very good about it at all and I was unhappy after I talked to them. When I called CarShield, it was a real hard sell thing. I didn’t like to be pushed but that was exactly what they were doing, and that was also part of my decision not to go with them.

But when I talked to the people at Endurance, they weren’t like that at all. And I had already made up my mind that I was going to get something, which was what I told them, and they were cooperative about it. I didn’t feel like I was really being pushed too much because I've already made that decision to do it, it's just a matter of with who. They told me a bit about things, what was available and why they thought that one might be a good choice. They sent some stuff by email, but I haven’t had internet now for a couple of weeks because I shut everything off thinking I was moving two weeks ago, and that didn’t happen. So, I need to go and check. I don't know if they're sending a paper bill or not, so I have to find out about that too. I'm not even sure when it's due. I paid two months ahead and they told me how much it was gonna be to get it in place, and that was what I did. So, the experience was all good.

I wouldn’t have any problem sending somebody to check Endurance out. I was a manager in Tudor Systems for years and I just loved the customer service. So, I've got a thick hide when it comes to dealing with people with something like that, but most people that are looking for something and shopping around, I don’t think they’d have any problem talking to anybody there. They answered all my questions, which was good. Their customer service is great.

I filed a claim with them recently and I’m in the middle of the process, which has been a bit frustrating but kind of understandable at the same time. My check engine light went off. I took the car in and had it looked at. The mechanic got the readings and before they went to the warranty company, they looked at other things that might have given the codes that came up. But when they approached Endurance, they're having them jump through some hoops.

In conversations with my mechanic, they said they needed the information from me. So, I called them to find out exactly what information they needed. I was told that they just needed me to send them evidence that I had had an oil change within the 30-day period that was required under the contract and I sent that to them. Then there was more back and forth between my mechanic and Endurance. And my mechanic told me that Endurance told them that they needed more information. But nobody from Endurance contacted me to tell me that and that slowed down the process for about a week and a half. If what I sent the mechanic initially was not adequate, I would’ve expected they would’ve told me immediately so that I could get that and keep the stuff together. But then, I did send it in.

Then the most recent thing was they had my mechanic give them a full listing of everything that would be required to effect the repairs that were necessary. According to my mechanic, they were talking about down to the last screw that was necessary. Again, I get that. They’re a warranty company and they’re trying to minimize what they have to pay out. And if there’s anything that’s not explicitly covered, I’m sure that they’re gonna tell me that they don’t wanna pay for it even if it’s something that holds in a part that have to be replaced. So now, apparently, my mechanic has given them everything they need, in writing at least, and I have given them everything that they have asked for as far as documentation on all of the maintenance records since I’ve owned the car. The step where we are now is that they are having their own mechanic coming in and check my mechanic’s work.

This claim has been going on for a while since late July. My mechanic now has my car waiting for Endurance's mechanic to come in. So, I’m driving a rental now. It’s supposed to take no more than 48 hours for their mechanic to come in and that 48 hours started today. What’s gonna be interesting will be just how long it’ll be before they actually get around to approving it. I have a pretty good idea of what the warranty covers based on my reading of the contract. If they come back and try to nickel-and-dime me, that wouldn’t be good. If they take care of it the way that I think they should, I would recommend them to others.