Endurance Warranty

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.

The representatives were awesome, and they were very polite, helpful, and not pushy. Protect My Car was extremely pushy. When I said no, they still tried to get me to sign up. I already signed up with Endurance and I'm very good at saying no, but the sales guy was very good and knew what he was doing. He was able to get me to sign up again with them just to try it out. After signing up, I thought, "Oh, my God, no. What the hell am I doing signing up for two?" So I called and I canceled and they're refunding me back my money.

I don't regret going with Endurance. I noticed that my car was jerking and there was no problem or check engine sign. At some point the same week, the check engine light came on then went off again. I took my car to the dealership to do the overall maintenance, my oil change and tire rotation. I said, "By the way, there was a check engine light that came on and it went away the same week, and I hope you do check it out."

The dealership checked it out and the guy said it was a transmission issue. They worked with Endurance, and Endurance did everything and fixed my car. They put in a new transmission, and I was blown away, 'cause one, I didn't know that something like that will be coming on to me. Two, the Endurance company worked with the dealership directly. I didn't even have to lift a finger. The dealership told me how much I needed to pay, I paid it, and everything was done.

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.

When I would call, I got the same girl twice. She had a little McDonald’s quality of customer service. Luckily, I got another gentleman and he was awesome. By having this young lady on the phone with me twice, there was no way I could’ve gotten bad customer service twice. But by him getting back on the phone, it reassured me that I made the best decision. I was frantic. It was the holiday season. Getting a new transmission is quite pricey. But he turned around and it worked out.

But the thing was, I still got nothing from Endurance to say, “How did it go?” Even when my car was delayed, I called back up there. I was very patient because of the holidays. I knew that it didn't make sense to get a rental car because my car had not even been looked at by Endurance. So, when they came and they processed my claim, I was like, okay, it would take a little more time because of the holidays. Everything was going on.

I said, “Is there any way you can extend the window for one more day?” He said, “Our policy doesn't allow it. I'm not sure.” They sent me to customer services, like a courtesy thing and the rep didn't even wait for my answer. She said, “No. There is no way we can do it.” But they fixed my car and they gave me a new transmission, so I'm happy. My transmission, all together with labor and cost was $5,000. I only paid 400 out of my pocket. I will recommend Endurance. I had an awesome experience, just the fact that I got my car fixed.

When I bought the policy, (which is much more expensive than other ones, but I bought it because according to reviews, it’s a great company), they promised me the heavens and everything in them. They explained that for the policy to become effective, I had to wait 30 days and then drive 1000 miles from the purchase of the policy, well, now they are playing with words and denying the claim saying that I was supposed to wait 30 days and then drive 1000 miles for the policy to become effective, therefore making it a pre-existing condition.

Well, according to the contract, on page 12 of 26, even if there was a pre-existing condition, they are not supposed to deny the claim!!!! Also, the times that I have talked to them over the phone, they have been rude, not informative, and rude by talking over me when I am trying to explain something. This company is causing stress on me. I am very disappointed and unhappy with Endurance Car Warranty.

ARIZONA SPECIAL STATE REQUIREMENTS: We will not cancel or void this Contract due to pre-existing conditions, prior use or unlawful acts relating to the Vehicle or misrepresentation by either Us or subcontractors which were known by Us or the seller. Further, neither We nor Our assignees or subcontractors will cancel or void coverage under this Contract due to the acts or omissions of Us, Our assignees or subcontractors or for their failure to provide correct information or perform the services or repairs provided in a timely, competent or workmanlike manner.

Any cancellation fee imposed shall not exceed the lesser of 10% of the gross amount paid by You for this Contract or $50. Section X, subsection K, is amended to include: However, no coverage shall be excluded or void due to pre-existing conditions if such conditions were known or should reasonably have been known by Us or the seller. The ENTIRE AGREEMENT section of Your Contract shall include, “This Contract does not exclude coverage if the odometer was tampered with prior to purchase.” Section XVII. does not prevent the Contract Holder from his or her rights to file a complaint with the Arizona Department of Insurance.