Endurance Warranty Contract Reviews

Other than that, everybody was nice and promising. I used to have Hunt Valley, Maryland but Endurance covered a little more than they did for around about the same price, so I switched. So far, the coverage is okay but I'm hoping and praying that I don’t have to use the warranty right now. Should the need arise, I’m waiting to see how everything goes with that.

Other than that, the guy I talked to at Endurance was a nice guy. But I started to cancel the contract because he told me he emailed our contract to the MINI Cooper but I never got it. I called, told him I couldn't open it, and he said he'd resend it. He resent it, but I still couldn't open it. And I kept trying to call him and left messages, but he never called back. So, I called the main office and spoke to a girl. She sent it right away and I got it.

It was professional. I bought other things online before, like most people, and the person endeavored to do all they could to get me to buy it. It was a bit of pressure there, but I pushed back and asked what they could do for me price-wise and terms-wise. It’s a give-and-take. I lived in Latin America for many years and I learned the art of negotiating. Most Americans don't know how to negotiate. They see a price, they pay it. To me, the asking price is the starting point of the negotiation. If it's a good deal for me, then it's a good deal.

Also, these companies come and go. Corporations are big. They have a lot of money, they have lawyers, and they have HR. I don't ever cry for corporations. It’s what you can do to the individual who you are offering the product to that truly defines how flexible, as well as good, a company is. We were able to negotiate the price, which was a big plus. They gave me a veteran discount as well. I’m presuming that was something in the quiver of offers they're allowed.

He then claimed, "It's not on your paperwork," I find that very difficult to believe as it is on the paperwork from the dealership, in a voicemail I have from dealership, Jordan G (at Endurance, manager). Outrageous. I told him I hope that phone call was recorded and I am telling him I expect him to go back through and come up with a figure on every dime I spent with Endurance and I expect a full refund and I will pursue the rest in a different way with someone else. That is when he stated "I am the only one you will be able to speak to".

I told him a few times to stop talking as all I needed him to do was come up with a figure and it should match mine and provide me a refund of every dime I spent with Endurance and I want the refund by the end of day today. He kept on then raised his voice to which I responded to stop. He wasn't going to raise his voice. While in the car with my husband his voice escalated loudly. We had to turn down the volume in the car :-(.

I will be going through my bank records as I said I would, I also told him I wanted to be emailed that he has my correct email address that I no longer wanted to speak with him on the phone as it was pointless. I will say this. I will keep pursuing this, companies like this I realize this is how they make their money however to take advantage of people then develop a case of amnesia and lose all the information relating to an issue and keep only what values them is outrageous! BE warned. This company will NOT provide what it says it does. I will give them they have a great sales tactic however they do NOT back it up with good HONEST customer service.

Original Review: I have to say here we are again. After the above issue I was contacted by Jordan ** (manager I was told) who provided a local mechanic shop to me. The first time my truck was in it went to the Ford Dealership. I was then told their prices were too high. We had a few things fixed on truck in the gap to where we are now. Now, 2 weeks ago I took truck to the requested mechanic shop and here is where it all falls apart. First they had to try and diagnose as the truck died while driving and was running really rough, which is why we brought it in. Once they did some tests they needed authorization to remove the valves (I believe that is the name) to test engine further. Trying to call in was a nightmare, no one returned calls to the mechanic, I tried calling left Jordan a message as well which I still have not received a response.

FINALLY 2 weeks later he has what is needed to further test. From there mechanic called AGAIN and was told they will send an aduster out in a few days. A FEW DAYS, cannot even give the decency to schedule so this can be properly discussed. Yesterday I received a call from Endurance, couldnt make out the guys name as he spoke like he was sleeping. He told me to call the mechanic shop to have them call into Endurance to speak about the full report they received from adjuster. I asked what was going on as I dont know and have not heard from either the mechanic or Endurance. He would not tell me just told me to call the mechanic to have the mechanic call them. RIDICULOUS however I said ok. I thought the shop had been closed for the day as it was 5:32pm (CST). I called and the mechanic was open (they close at 6). I was then told Endurance told him there is NO coverage at all on my truck due to a lift. This is complete insanity!

When I spoke to your customer service and Jordan as well the lift on the truck was discussed. I was told they do not cover suspension due to the lift and I was perfectly fine with that. After a few exchanged emails the plan picked for this truck was only to cover the engine/transmission and I felt comfortable enough to have some sort of protection if I ever needed it. Here is where I now believe, after these recent events, this company and their coverage is complete BS. I am not the only one that has had issues such as this, just read all the reviews you will find them if you dig. To be told I have NO coverage on my vehicle at all, I have been paying for covereage they now say I do not have. THAT IS OUTRAGEOUS!

I will make this situation public, I want someone to resolve this issue you cannot take money to cover a vehicle which you are well aware of what the vehicle is.... I also know this about my truck as Endurance spoke to the dealership it was previously at and was told the same thing regarding the lift on the truck. The dealership specifically spoke of the lift so Endurance CANNOT now come back and say they did not know. No one calls back, no one resolves anything here how can you take money and then throw your hands up and create more loopholes to protect yourselves????

Fast forward to Sunday, 5/17/20, I was going to get something to eat and stopped at red light, heard noise when pressed brake, I pressed on gas to accelerate. I heard even louder noise. I immediately stopped and put hazard lights on, luckily I was in the lane closest to curve, so I got out and called for tow truck. It was a Sunday, so I had my car towed to in front of my house because wanted to contact Endurance to make sure they were ok with me taking my car to BMW dealer. I took off work, contacted Endurance requested tow truck and asked was ok to take to BMW dealer, they replied as long as dealers service department was certified to ASE certified that what was important, to which my dealer was certified.

So my car arrived at dealer 5/18/20. The next day dealer sent me a video diagnosing the problem, mechanic stated driveshaft broke and caused a crack in transfer case and crack in transmission and all 3 would need to be replaced. I had mechanic relay that information to Endurance, they said they will send out adjustor and would take 24-48 hours. I called Endurance 5/22/20 to check and see if adjustor had been out to look at video, waited on hold, for an hour +, then took option for someone to call me back, I did receive call back and there was no new info. I called again on 5/26/20 and was notified adjustor had turned in report, but they need to discuss report with mechanic. I called mechanic and ask can they please call Endurance because I want to get this process started.

The next day my mechanic called and said Endurance approved claim for driveshaft, but denied claim for transfer case and transmission. He stated he does not see why they would deny, and cost was probably the reason. I immediately called Endurance and they said adjustor denied claim for transfer case and transmission because of a worn universal joint. They said universal joint was worn and because it was so worn I was driving on a faulty part, stating continued operation, I kept stating that made no sense, there was no way they could determine nature of universal joint and also the universal joint is covered under the contract.

They just kept stating continued operation, as if I knew universal joint was going to break but kept driving on it, I had recently had car checked at BMW in September 2019 and there was no report of anything that was wrong with my car. So that assumption was wrong. I kept asking how did this make any sense, then I requested to speak to a supervisor, they said they were in a meeting and will call me back, that was 5/26/20.

I called back the next day 5/27/20 and was told again supervisor was busy and they would call me back, no call back, tried again on 5/28/20, same thing, I came across ConsumerAffairs' website was going to write a scathing review, but I saw where there was someone replying back to positive and negative feedback offering a number, so instead of writing review I said let me get number and call. I spoke to someone and they said my case was under review for managers to look at it and someone would call me back that day for sure. No call back that day. I called again Friday 5/29/20, the same said a manager/supervisor would call me back.

At about 5pm Friday, I did receive a call back from manager/supervisor. He basically cited the same thing about continued operation and pointed to clause under filing a claim, but I said that does not apply, because as soon as I heard noise. I stopped operation and put my hazards on. After about an hour of me saying how the denial did not make any sense, he offered to have his guy source use parts and maybe different place to my car, but I would still have to pay for the two parts because they still refused to cover claim. I said ok, hoping they could find cheaper and decide to cover, that was 5/27/2, it is 6/3/20 and I have not heard any response back.

I talked to somebody and they put me on the phone with a supervisor. They thought that it wasn't a good thing for me to do. Then, I talked to somebody else about why I was canceling. They weren't just gonna take no, which I understand. They're sales. But it was a little more aggressive than what I am accustomed to. They wanted to go through all of the details. They pulled up the contract and said, "Let's go talk paragraph by paragraph. Let me show you why you're making a mistake by canceling with us.” They also said that my car has so many miles and if I go too much further, I am going to be unprotected. They were talking to me like I didn't know what I was doing.

The cancellation process itself was not a simple phone call. It wasn't as simple as, "Yes, it's me. Yes, I'm verifying. Here's the VIN number." I had to get something printed and then I had to get something notarized. I took it to my notary at my bank. They looked at me and asked if I was kidding. They thought needing a notary stamp to say you want to cancel a warranty policy was ridiculous. Then I had to scan it and then send it back in. I wasn't very comfortable or happy with the cancellation process.

Buyer beware when it comes to understanding what's really covered. The vehicle that Endurance's warranty covers has to pretty much break for the warranty to be any value. If you hear ticking in the engine and take the car in for an oil check and determine that the engine is dying and needs a whole new valve job, it won't be covered because they look at that as preventative. If my engine was to seize, fail, and completely break, then it would be covered. There's an inherent danger in having to have somebody driving the car to completely fall apart and break for that warranty to kick in.

It was very detailed when we went over the contract. I asked a pretty good amount of questions and their reps told me about what's covered and what's not covered, and my expectations on what they expect me to do as far as no modifications in the vehicle. That was really good and informative. I knew exactly what I was paying for since I'm buying.

Once I told the rep what I wanted to pay and what I could afford, he gave me the payment plan they had and I was like, "Yeah, I want that one." That was easy and simple. This is my first time buying an extended car warranty and Endurance meets my expectations thus far. It's been a great experience. I've already recommended them to a couple of my cousins. Their warranties are getting ready to expire soon.

When I was purchasing the warranty, the rep, Kathleen, was very nice one the phone and explained everything down to the end and answered the questions I had. She handled things very well. I felt very good when the rep explained the coverage to me. When you're alone like I am now, and people see a woman or a girl coming that doesn't know anything about an automobile, and right away, you feel that those people are gonna check me for everything now because I don't know anything. I can't answer them because I'm stupid. But Endurance didn't treat me like that. They told me what they were gonna do, and what was gonna happen and why. It was a very good and easy experience. I wasn't looking at the sheet of paper where I didn't know the questions they were asking me. Going into it, I wasn't that afraid because people have told me.

Setting up the payment was easy and it wasn't very confusing at all. They said, "We're gonna do this, this, this and this. What do you think?" There was a little bit of back and forth and we were all set. But I had to end up canceling because an emergency came up with my family, which took a lot of money out of my account, and I couldn't leave myself without anything at all. I asked the rep if we were going to start from the beginning when I canceled and called to get Endurance again at a later date. She said yes and not to worry about it. I was even told that my money was gonna be sent back to me. I haven't got it yet, but that was about a couple of weeks ago.

First thing, they told me that I had to wait 30 days and a 1,000 before I could actually use the policy. I took my truck to Kinsel the 30th day, with the right mileage on it, and tried to get a claim, but Endurance denied it. I felt like I was getting the runaround. The dealership called Endurance that day. Endurance told the dealership that they were going to have an adjuster to come out 24 to 48 hours to look at the vehicle. That didn't happen until Thursday evening or Friday. But the dealership said they still didn't see them, but they had a report in on it that somebody looked at something.

Then Endurance would only reimburse $150 for car rental. You get five days and it only cost you $30, but most rental cars right here go off for $40 or better. I got a rental car that would cost me $300. I haven't gotten a reimbursement on that yet, and if I do, it's only gonna be half the money. I'm basically coming out of pocket for everything. Even the tow truck that I tried to get on my policy, they were going to tow my vehicle until I told the guy that it was at the repair facility. They said to ask the dealership. They couldn't go there to get it. I had to go over the dealership and actually move my truck off of the lot for them to put the truck on a wrecker then bring it to my house.

With the total amount of about $1,500, I could have just taken my truck somewhere and got it fixed and pay for it myself. But it hasn't been fixed yet. I'm in the process of waiting on the dealership to call me 'cause they took my whole truck apart on the inside and then put it back together. I got a vehicle that I'm looking at my dashboard and sitting in the backseat of my truck. I can't drive with my windows down nor lift my windows up. Two of the people said they're working on something to try to get me to a shop that they recommend. I don't know yet if Endurance would honor my contract and actually pay for it. But I got a 2018 Ford F150 sitting in my yard right now. I'll just wait.

And when I called the first time to try and cancel the policy, the guy wouldn’t let me cancel it. He just kept telling me this and this. Then the second time when I called up, I told them that I was sticking my gun to cancel it. I had to beg the guy and I asked him almost 15 times to please refund my payment and cancel the policy. I’ve lost about $1000 worth of freaking overtime hours and I still had to beg the guy to do it before he finally did it. So, even if I do get my hours back, that expense alone lets me know that I won’t be coming back to Endurance, even if I do get another car warranty.

My problem is that the engine blew, and I replaced the engine. It’s a BMW engine, but it’s not the engine that came with the car. While everybody says that they’re 90% sure that it’s covered, the contract is very specific that everything has to match up. The serial number on the engine and the serial number on the car are not going to match. I put a better engine in it, and lower miles, and replaced all the seals, gaskets, from top to bottom and electrical. It was professionally done at an ASE-certified shop. But despite all this, if I had an engine problem, my engine may not be covered.

The welcome package shows me the contract, but the contract has all these fine points that have to be met. And based upon me putting in a new engine, I have no idea if my engine’s covered. I also have no idea if my PDC system is covered. At this point the only thing I know my warranty covers is my transmission. If my transmission goes, I could replace that for less than two grand, which means that I’m basically spending $6,000 for a warranty to cover a less than $2,000 fix.

The buying experience and what was offered to me were excellent. Every question I had for the rep, he answered. He wasn't trying to sell me on something that I didn't want. He was really thorough, and so was the person he put me through to take my information. I gave them my card right over the phone, they took it, and within a week, I had a contract. All the information that I provided, I got it in my truck. I had to wait 30 days before the warranty would become active because that's a basic policy for all warranty companies. All aspects of purchasing the warranty was pretty positive. I felt very comfortable after I did that.

I'm an engineer, so I could pretty much do most anything except big ticket items, like engines and radiators. What didn't come with the warranty was maintenance like tires, batteries, and oil changes. I've recommended Endurance to several other people and a few people have already gone beyond and got their warranties as well.

Then another warranty company I had took care of the claim for me. I had put a couple of warranties on while I had Endurance just to see which one was the best and which one would take care of me. The other company did and I left Endurance a voicemail. I told the manager about it but she kept trying to bribe me stay with Endurance. Then she told me they couldn't give me a full refund then because it was past the 30 days. I told her that she had told me otherwise on the phone before but it was not a recorded line and she said she never said that. She was also putting down a bunch of car warranties. As a professional, someone that’s in that kind of business doesn’t put down another company. But she was saying that the other company was not all that they say they are. She said they don't pay for anything and that's why they're in lawsuits. I told her that that may be but they were taking car of my car a little bit more quickly.

Then I had to call again and speak to a different manager because the other lady hung up on me. The first manager was like, “I’ll process the refund whenever I feel like it.” Another girl I spoke to said there was no request or anything like that. It was just one of the problems with the manager. Amy was the last one who helped me out. She took care of everything and got my refund.

When I enrolled with them, it was quick and easy. In fact, it was too good to be true. The dude was saying they would covered everything. He also told me to go over 1,000 miles and I could come up with a couple of days short. I thought that was cool. That was how my other warranty for the car was. I went over 1,500 miles and although I was two days short, they said it was okay and that they would let it slide. That was when I first got the car. The dude didn’t say anything about I had to wait a full 30 days. In fact, he didn’t really have too much knowledge about what they were covering on the car. I asked him what would be covered on the car and he was like, “Man, you’re gonna be a league pro. You’re gonna have a lot of good stuff.” I asked him what all the good stuff was and he didn’t know.

He was like, “You have to buy it first and then I can tell you.” I asked what if I bought it and there was nothing and he said he couldn't send me a contract unless I bought it. He was making it real hard for me to go with them.I asked what would happen if he did and he said I was gonna be covered. Then when we got down to it, when the warranty was supposed to cover something, they didn’t. The reps were nice and very respectful when we were signing up but not so much on the leaving side.

I've had Endurance before with my Mustang and then my sister got it for the Avenger but the thing is we never used it. That’s why I took it off my Mustang. It’s under factory warranty still and when I asked for extended warranty, they gave me one at the dealership but I bought the Endurance on top of that. With the Mustang, I didn’t have any problems canceling. I just stopped paying it. Then for the Avenger, we called and canceled, and they took everything fine. I didn’t have to get anything notarized or anything like that.

The only complaint I have is that I didn’t receive some information via email. They do their billing through Mepco.com, and I received something in the mail from Mepco with a code that I was supposed to be able to use as my first time to log in to Mepco site so that I can manage my payments. And that code did not work. I’ve been busy with other things and haven’t had a chance to call Endurance to just see what’s up with that. But I wondered whether that was a Mepco issue and not an Endurance issue.

But I again was happy with the level of attention that I received when I reached out to them. I was communicating not just by phone, but also via email with the customer representative who helped me get everything set up. And then another fellow called me to confirm everything and go through the information. He did a good job, too.

Endurance also does add the concierge and kind of those added perks that if you’re gonna spend significant money on an extended warranty. It’s nice to kinda have those niceties thrown in. But they should give additional instructions around best practices on how to set up the dashboard and how to use the concierge service. Also the best practices for submitting claims, and do I need to submit service records or anything like that prior to submitting a claim. So any type of FAQs that customers ask would be nice that could help me. I like a step-by-step on how to access or do certain things so that when the time comes, I’m not scrambling and having to call them and go through all the different automated prompts to get to a representative.

I told my sisters and my son about it. They said that 90 something dollars a month was too much. But it’s pretty good so far. I haven’t had any problems with them yet. I called about a week ago for something about my car and the lady said that I have to wait until I get to a certain mileage. The rep didn’t say anything about that. The lady said that I just have to call back so I will do that and see what they say now.

We had to pay the initial down payment. They offered me $100 pay, and then review it for 15 days. And if I like it for 15 days they take out the difference between the original amount. It wound up being a $250 initial payment. They broke that up over a two-week period. Two weeks to look at the stuff and then pay another 150 to extend the coverage for the rest of the 30 days. If I wanted to cancel it after that, then they would still give my money back. Overall, it's fine.

My jeep is now sitting in my garage but not fixed. I took to corporate. They told me they would find cheaper parts and a garage but I would still have to pay for it to be fixed. I've been paying $93:00 a month. Corp. did tell me I could miss a month and they would reduce my payment. Is this warranty worth? No not when you have to jump through hoops. This was my first experience and still not fixed at this point. I just want my full refund back so I can pay for my jeep to get fixed but they told no. Corp. told me no. I'm just telling my Experience because I don't want anyone else to be treated in way. Definitely read the whole contract.

Initially, Endurance gave me the impression that they were gonna cover the claim. But at the last moment, right when they called to get the claim, they said they were not gonna cover it. So that was really unfortunate. Plus it’s really uncomfortable for me, having to go through this to pay a guy and then come to find out they're not doing it. So I just wasted a lot of time. They could have told me that from the beginning and I could have made some other arrangements to have my car repaired but they didn’t do that. So that would my suggestion. They shouldn’t wait two or three weeks down the road when the customer is getting ready to get his car repaired in the shop to indicate that they’re not gonna cover it. That is crazy.

Endurance did offer to forestall one payment to assist me with the repairs if I stayed with them. But I’ve got some time to think about their offer. I also liked the guy yesterday because he explained everything in detail. He was explaining I should have done this from the beginning. So that would be my primary concern with regards to that. But I’ll figure it out. I’ll see if I’ll stay with them or find myself another carrier. I’ll give Endurance more opportunities. I don't wanna have to read that contract. It’s several pages long but I will do that.

I had to keep asking them to send me the contract so I could see what I’m getting before I sign up, which they didn’t do. They finally sent it to me but they already signed me up. They already deducted the rest of the payment from my credit card which I did not want. They did not ask me whether I wanted to pay them directly or through a credit card. I did not want it put on my credit card. That’s the only problem I’ve had with them and I’ve tried to resolve them.

Signing up with Endurance was very easy and they offered me something extra, which almost made me feel better. Making payments was also very easy. I was able to do it with my credit card and then they set up autopay for it. The insurance is pretty low, which kinda puts me at a position where I’m saving about a hundred bucks but I’m still taking care of my vehicle.

However, taking it apart would cost me about $2000. The Power Steering is not covered. On top of that, the guy from United Car Care was rude and said it was no one else that I can talk to at United Car Care about the claim. At this point, like to get a refund. This service contract has been a waste of money. I wish I saved the money used on this contract to fix my Jeep. Contract #: **

They then had one of there upper staff Jordan ** to help us fix the situation. He said he would like to work out the problem and why the company staff failed us in our time of need. So far he has done the same as the other 10 people I know all to about my complaint. He had me sent him my invoice to him. Then he said he would call on 10 of March after he returned to the office. He called on the 11 asking me to now sign the invoice and send it to him again and he would call me in a couple of days. He forgot to call me again I finally emailed him to get a response now he tells me he needs the receipts from transaction.

I have to gather all the paperwork since it was a cash 2 other accounts to get money from and the snap finance for the rest of our payment. They could have asked for all this in first phone call apparently he wants to drag this out as far as they can. Here it is the 18 of March and I still have no real answer much less prompt care for screwing us over in begging. How is he any better than the rest of endurance auto warranty treatment. This my second complaint on consumer affairs and still wait for an answer on my BBB complaint. I'm sure now it’s the pandemics fault they still can’t give real customer care. I guess we are the only customer they can’t seem to continue to drop the ball or slip through cracks. Unbelievable. This company really has some serious customer service issues. I’m sure when I hear from him again I will have more hoops to jump through and ignore us.

Original Review: I purchase the endurance Warranty via the Consumer Affairs suggestion. I did my 1000 mile wait period on my 2004 Tahoe that I use for 3 disabled to get to doctors. We only have the one car and wanted to be covered In case of emergency. We only drive short distances to doctors so it took 3 months to rack up the 1000 miles. Then one day on my way to emergency room with my mother and car wouldn’t start. I called the Endurance number they set me up with a rental right away. I drop the Tahoe off a Chevy dealer to get it fixed and check everything else out since we rely on one car for all of us. I thought everything was being taken care. Then dealer called and told me they denied the first problem which happened to be an alternator.

When I called Endurance from the hospital to find out why they denied everything right off the start. They told me it was a little fishy that the alternator died 140 miles after the 1000 mile waiting period. They assumed I was trying to scam them. I told them an alternator just doesn’t last 1140 miles then if it was already bad and this didn’t matter to them they continued to deny everything and even told me to work with the car dealership to get better part numbers for them. This was very frustrating to me that I need to deal with the car shop myself. Their contract clearly says they will negotiate for better prices on customer behalf. They did nothing to help me. This whole time I’m running back and forth to hospital and taking care of my stepfather. They basically stuck me with the car rental bill and dealing with the repair shop myself.

I did want to take any chances on anything else going bad and had the repair shop go through everything on car. They found a bad intermediate shaft on the steering wheel. The also found my ac unit had lockup over the winter. Now I’m stuck dealing with the problems myself with no help from Endurance. I brought in my own parts to fix AC and negotiation with deal to get better pricing on the work I needed. I even went ahead and have them do the 150000 mile service also just make sure everything was good. I continue to call Endurance trying to get help with the 3 major problems. They wouldn’t do anything to help me. I have ptsd and was very hard for me to deal with all the problems.

I told Endurance I wanted to be reimbursed for all the issues they do cover. They said they needed to talk to their supervisor and they would call me back, which they never did. I had to take all of our savings and a loan to pay for it ourselves. We needed our car back so I could stop using the rental car that was adding up quickly. The Chevy dealer worked with me on prices knowing what I was going through with Endurance not following through and my mom in hospital. They caused unnecessary stress to me and my parents. I finally gave in and paid the bill ourselves. They would not work with me and just started making jump through hoops. Just so I could get some of our money reimbursed for car rental and 3 major parts. They continue to say they would call me back which of course never happened.

Here we are over a month now and we needed the money. They made every effort not to pay for anything including rental bill. This is the worst company ever, they don’t do what their contract specified. I got so upset I finally filed a complaint with the BBB to get all of the money they already took out of our account. They still haven’t even answer the BBB complaint. Just dragging it out even longer. They do not care about their customers. They just want to keep your money for nothing. They are the biggest scam ever company. Preying on the disabled and elderly. I would never use this Warranty company again. They just cause more problems for you to deal with. Please save your money and get a warranty from another company.

Signing up for the package was really easy. There's no big deal. They were very helpful in going over the coverage and making sure that I understood what I was getting and how it worked, and that I could cancel any time I wanted to as far as after I do my downpayment and I got to the monthly payments that go out to a certain point of time. After that, they’ll last two years or a little bit. There’s no charge at that point or there’s no continuing payment because I’ve already paid for my policy at that point, and then I’ll run it out 50,000 miles. It’s been very good with Endurance.

I asked him a bunch of scenarios, and one scenario I asked him is if I were to break mechanism of the door handles would it be covered. He said, "Anything mechanical in the car and anything electronics in the car is fully covered." But there's a clear part of the contract that states that is not covered. There are exclusions. And some of the exclusions, I even asked specific questions about. But he was a nice guy, and Endurance has a good coverage. It's gonna cover what I need, except for the part that he said it covers and turns out not, but that's not that big of a deal.

Long story short they keep telling my mechanic that this is not covered!! When I HAVE THE SELECT PREMIER PLAN and it says it is covered unless it is stand alone which is it not. They try to scheme their way out of a claim and it seems like you literally have to say the exact right words in order for them to even come out and look. They just flat out denied my claim did not send in an inspector just DENIED it and kept stating that they do not cover gaskets and seals stand alone but the issue is not stand alone people.

In addition I called and spoke with a claims representative for customers because they are telling my mechanic one thing and myself another, so I called them all on three way and the agent got rude and refused to speak to my mechanic which is odd...and he refused to transfer me to a upper management personnel, he claimed he was a manager and there was no one else to speak with!! ONE WORD TO DESCRIBE THESE PEOPLE SCAMMERS!!!

Since I have had this warranty they have barely covered anything for my car, I continued to pay because I thought it would be worth it if I had a major breakdown on my car. I have come out of pocket more than they have, they sell false promises. I will be canceling my contract and taking legal and media action soon. This is unfair to customers, they need to be investigated and shut down. I am a loyal honest paying customer that has been treated with no respect or dignity, they do not have compassion whatsoever. One positive is the towing service and rental car for 5 days but that is if they even pay your claim afterwards... This company is not worth a dime investing in... I am so upset at myself that I even spent money on this contract.

In addition to the issues under dispute above, there was a special issue with the GPS antenna. I paid for the Supreme coverage with the High Tech Coverage option. In the agreement language it states that the "GPS/NAV systems" are covered under the High Tech Option. The GPS antenna has quit working rendering the vehicle NAV system functionally useless. Endurance denied coverage because one of their standard exclusions is "transmitting/transmission receiving devices". They failed to answer each time they were challenged how the antenna didn't fall under the GPS system given it is the heart of the system.

Bottom line this company is not there to help you. From my experience they want your money. They will hold it while you whittle away time and miles against your contract. They will then deny all your claims, and just refund your prorated amount having walked away with a portion of your money without providing any benefits. Oh and as a kicker, I requested a quote based on my current mileage for how much of a refund I would receive. They refused to provide that until I had jumped through all of their hoops to cancel. You can find someone better. After my experience I question the legitimacy of this business. All the reviews seem to speak about how nice they are on the phone (and they are very professional), but you are paying for protection, not pleasant conversation. Run, don't walk, to a different provider.

They have it written in the contract with terms an accountant would shudder at. It’s not based on the value of your vehicle. It’s based on some calculation they have of an average of year and make then take the lowest number of that average (never is that number anywhere near the value of your vehicle) then a convoluted calculation...in short...even tho I am within mileage and still have a 18 mos on my contract...I was informed after calling customer service while my vehicle was at the dealership for warranty service I HAVE NO WARRANTY! Give me that info before I purchase this warranty, otherwise it’s a SCAM!

I had never done this before so I had some serious questions. I wanted to know if I could cancel and she said I could cancel within 30 days. I asked what the cost would be if I canceled after 30 days and she said there would be an appropriate fee. I asked what the fees are and she said, “Well, that depends on this and that and the other thing.” I kept trying to find out what the fees would be. Then I said, “All right. But wait, you just told me I could cancel for free.” Then she told me I can't cancel for free, which made no sense to me. How come I could cancel for free but I gotta pay fees? I was kinda pressed for time when I was going over that and when I asked her questions, I couldn’t get a straight answer.

One of the questions she was asking was about pre-existing conditions. The vehicle has a pre-existing condition but I know what it is and I was gonna pay for the repair. I asked whether it would be sufficient as long as I have documentation that I have paid to repair the pre-existing condition, and she said they don't cover pre-existing conditions. But I knew that. That was why I was fixing it. I wanted to know if they would cover the repair if I’ve got documentation, I’ve fixed it and I’m being upfront and honest. She said, “We don’t cover pre-existing conditions.” Goodness. Afterwards, I talked to someone else who assured me that if I fixed the AC and I have documentation and I can show them the documentation, yes, they would pay for a new condition.

She also said I had to keep the vehicle maintained with a certified mechanic and that frustrated me. I could take it to the dealership but I have my own personal mechanic and I would rather take it to him because he’s a lot cheaper and he is certified. I just wanted to make sure that repairs from my personal mechanic would be covered and she was like, “I already told you, sir.” I wasn’t asking the same question. I just wanted to make sure. I just wasn’t getting some courteous, straight answers but nevertheless, I was certainly calling Endurance back. I knew I had 30 days to cancel, and when I called back before my first payment was due, I got someone and they answered every one of my questions, exactly what I needed to know to make a decision, whether to cancel or to go ahead and make my next payment. And I went ahead and made my first payment.

I like the package that I signed up for. It made sense. I was really looking for a package that was saying, “We pay this amount for this mileage.” They said the amount will be month-to-month basis and that there's no mileage, and I can stop anytime I want to. So, that was a good deal to me. Overall, it was a great service, honest and very fair pricing.

I’m satisfied with the package that I got considering that the warranty will cover just about anything electronic or the main engine parts. Then, I only have to pay $100 deductible. If they end up keeping the vehicle, then I get a rental for a day or two, and that’s good. All that is covered by the $100 deductible. From firsthand experience, I’ve had to change a transmission out and I’ve had to redo the manifold, and I dished out more than $6,000 for that. Paying $100 compared to $6,000 is nothing.

The sign-up experience was very long and tedious. They called me four times. The long part was the amount of transfers I had to go through to get signed up. You first call in, you speak to one person, they take your information, and then they transfer you over to another person who takes your information, transfer you over to the third person that verifies everything, and then somebody else processes it. I’m a small business owner myself. I can see losing clients in between that process, because who wants to keep getting transferred over? The first person should be able to do everything.

They told me that I got a $200 voucher that I could use at any store. But I never never got that. Also, they overcharged my card and it was a lot. I’m a little scared because I've been talking to people and they said it sounded a little bit too good to be real. Because all you got to do is wait for 60 days and then you can file a claim and then they fix your car. It just sounds like a scam.

A lot of people think that when you do a protection plan on your car, it's like a whole warranty or a bill, that you can never get out of the contract. But you can always choose to leave the contract. And like the rep said, even if something happens to my car, I could put it on another car without all the hassles and all the aggravation. That's very good because a lot of people don't have out of pocket expenses when paying for an engine or tune-up. This program really helps when you need it and getting the warranty helps you understand.

I looked at Carshield and other places, but Endurance has everything I am interested in and so I got the warranty from them. However, I got something in the email that said I was not gonna be covered anymore after yesterday because something changed on the policy or something happened. They were gonna have new terms and conditions. It makes me wonder what's going on when I just got this policy and then all of a sudden, a couple of months later, they were gonna change stuff on me and didn't even mention it when I was doing the policy. I was a little agitated about that. I wanted to talk to somebody. I've been waiting for somebody to call and let me know what's going on with it. At this point, until I got that email, I was perfectly happy with what was going on and I still am, but I just wanna know what's going on.

When I spoke to them on the phone they denied my service request. The reasons varied a bit depending on who I spoke to so I asked to get a copy of the denial in writing. They said that's not possible. They said I can get them a letter explaining why it should be covered from the mechanic doing the work. I did that...no response. They said I can send it to them regular mail but they can't tell me when and if to expect a response. I've been trying to get in touch with Marius who said he would submit it for further review. When I called and spoke to someone else they told me it wasn't put in for any second review and it was still denied.

The only way to contact them is through a telephone number and I have the number. But with the salesperson, I do not have his direct number and nor do I have an email from him either, so I thought that would have been probably something that the company should have done is that an email template from him, an email that I've not received than kind of a corporate email. I got something that looks like a standardized corporate letter. And I was also hoping to be contacted by the person that I had bought the package from but I'm not seeing anything directly from him. He took my credit card information, and then the second payment which was this month in December was also taken from that credit card payment, and that's not exactly how I wanted it done. I wanted it to be taken out of my bank. So, that wasn't explained at all, and it was much more than what I had originally agreed with. So, at least the payment was unsatisfactory.

I called Endurance, walked through the process and took my car to one of their preferred dealerships for repair. The dealer was being very helpful in the process and had to reach out several times to finally get an inspector to visit to approve the work. Unfortunately, it was a major engine component that had gone out and required replacing that would range in the upwards of $6,000 range. I was assured by the dealership that this was normal protocol and there should be no problems, as my contract clearly states that all components were covered within my plan. This issue was going on three weeks now and I was without a car, and although I had rental insurance under my contract for situations like this, it was only reimbursable.

With Endurance not communicating with me or the dealer, I had to reach out which is where I found out that the initial request had been denied - no communication from Endurance that the claim had been denied, nor written document stating the denial, nothing. Had I not reached out, I would have never known. My car came off the line, from the factory just as it sits now. I did not modify the car in any way from when the dealership sold it to me; in fact I even inquired that my specific type of car and model would be covered during the discussion with the sales person and they confirmed, "if it came from the dealership that way and you didn't change it, then it will be covered." This gave me the confidence in the service that I agreed to the price upfront cost, and monthly service charge; because, I didn't want to be stuck if anything mechanically happened to my car.

Now, after multiple months of waiting for proactive communications from Endurance that never came, multiple discussions playing phone tag with customer service reps, and waiting on managers to actually call me back, I don't know what else to do. I am still without my car, left stranded and Endurance apologized for the confusion and wants to reimburse me, but that doesn't make me whole to the coverage they promised and contract we agreed upon. Endurance denied my claim, stating that I modified my car, to which the dealership has confirmed nothing has been changed from production and sale of my car to me. Now that my car is broken, a hefty bill due to fix it, Endurance wants to take the easy way out and not fulfill their end of this contract. I can not go any longer without my car and hope this submission helps finally break through the bureaucracy to get my car fix and my contract fulfilled.

The way the terms and the policy were explained to me seemed to be very thorough. But I told them that I wanted paperwork. I’m still waiting for it though. They were also supposed to send me a membership card and I haven’t received that as yet. But the reps seemed to know what they were talking about and asked me different questions.

Endurance has already taken our first payment, but we still have not received our contract so we don't even know what is covered under the extended warranty. They've sent me a quote copy of the contract, but it's a sample. There are different levels of coverage, and I wanna see which level of coverage we actually have. We definitely wanna know what we're getting into. The issue is not physically having a contract to look at so that we can make an informed decision on stuff we're paying a couple of hundred dollars a month for. You have to wait 30 days and then the car is covered bumper-to-bumper, including tires, which I found insane. It seemed like we were getting to big a bang for our buck and that made me a little anxious. We're still in that waiting period now and we're gonna cancel it.

I told the rep, “But that’s not really the issue. The issue is that I’m not comfortable with what I’ve read so far. But I can’t really speak to you now ‘cause I’m out in public.” He said, “I’m gonna lower it for you. When you get home, you just look at the new contract.” When I got home, I looked at it and I saw that he lowered it. Still, it was not even the price at that point. There were too many complaints for me. So, I called up and spoke to Nick who kept me about 40 minutes on the phone giving me every reason in the world why I don’t need to cancel to the point that I was getting frustrated. It was not good. And he said, “So, you mean to tell me you’re willing to not have any insurance on your car and risk it and pay thousands of dollars out of your pocket?”

I tried to explain to him and said, “Well, first of all, my car is just sitting. I live in New York state. It’s a lot of snow and everything right now. So, it’s parked and I’m using a truck. So, I’m really gonna be paying for something for four months, and then by the time I put the mileage on it that you’re requesting, 1,000 miles, it’ll be probably a good eight, nine months because I only drive local in leisure.” I told him I would much rather try to get this in the spring or the summer where I know I’ll be using my car. And even with all that, he said, “Yes, but understand you’re still gonna be sitting there with no coverage.” He kept pushing and pushing, and I told him about the complaints. And he said, “Yes, but did you see the good things people said?”

So, I opened it up on the phone while he was talking to me, and I said, “Listen, I’m looking at it right now. Yes, I do see some 4 and 5 stars, but for every two good reviews that have 4 and 5 stars, two and three, I see ten and twelve that’s horrible right under it. So, Nick, I’m not comfortable. Can you please just cancel my contract?” It was so frustrating. After 40 minutes in, he could pick up my frustration. When I asked for the cancellation, he said, “Sure. Okay. Well, I can cancel it for you. But just know that when you try to get this again, it’s gonna be more money.”

I also said, “And by the way, am I going to get my money back? Because I’m also reading here that people said they were gonna get a refund within three to five business days, and they’re calling back two or three weeks later, and they still didn’t get their money.” And he said, “It is three to five business days. I don’t know why they said that. This is why I’m saying you can’t go by what you’re reading.” He said I should have the money by Tuesday or Wednesday. This was last week. I still don’t have the money. So, I wasn’t too happy. And it’s funny because when I was reading, I scrolled down to one of the complaints, and Nick's name was there and the review said he was pushy. When I told him about it, he cut me off and said they have a lot of Nicks.

Original Review: Just canceled my contract with this company. I had 2 repair issues and they refuse to cover nothing. Both issues according to my contract was supposed to be covered. Each time they had some reason why. This company is a waste of money...

It took a week for them to get an adjuster out there. I try to find a way to deny the claim because that’s the only reason they come! And then took another 5 or so days to give an answer just to tell me it wasn’t covered. Well I’ve been paying for a rental car already! So I called them and asked them to send me the adjuster's report. They said they don’t have that but he can try to call and find out why it was denied! One he said I have a commercial tag on my Jeep. When I bought the coverage they asked me do I tow trailers and do stuff like that and I told them no. I have the commercial tag is for when we have high value coins in our vehicle and we have dark tinted windows because it’s required by law to be able to have the limo tint.

Then he said because the cooler went out they might cover that, but not the transmission, and they wouldn’t cover the transmission because I knew something was wrong and drive on it. Never once did my check engine light came on I was literally a quarter of a mile from the dealership so rather than endanger my life and stop in the middle the road endanger someone else’s life I just took it there we cause I was so close.

They write these policies so they don’t have to cover anything. I’ve always performed every bit of maintenance on my vehicle and it has a sealed transmission so there is no dipstick. I had no way of knowing and these people just scammed me for my money. Don’t use these people. I’ve already contacted a lawyer. I have a appointment next week! And I’m contacting the Customer protection division of the state of Tennessee for their fraudulent and deceptive sales practices! And I recorded the phone call when I purchased it because I record everything when it comes to contracts. My advice don’t trust Consumer Affairs recommendations and definitely don’t do business with in Endurance Auto warranty!

Endurance was trying to tell me that what was wrong with my car didn't qualify for the warranty my car was on. I had to be on a new warranty and that they would transfer my money to that new one. However, that would make me have to pay for the transmission problem of my car because it wouldn't be past the 30 days needed for the new warranty to be on. That wasn't okay with me. Endurance then offered to pay for what the problem was through another company. In that case, I would’ve been paying for the warranty and paying the other $1,300 more for that company fixing my car as well. That wasn't agreeable to me either so Endurance took all of those options off the table and that they weren't gonna do anything. So, I called the attorney general and put a complaint in with the Better Business Bureau.

I’m not all the way satisfied with the outcome ‘cause I still ended up having to spend out of pocket money. Furthermore, Endurance hasn't sent me the check because I haven’t sent the letter to them about the discrepancy to ratify the situation we had. That letter was, to me, an admission that they were all the way wrong but they’re not all the way taking care of the mistake that they’re supposed to be taking care of. Otherwise, they wouldn’t have sent me that letter and they wouldn't have offered me anything. ‘Cause they were really in a breach of contract.

I'm ecstatic that Endurance has called me back and reached out to me. However, I found out that the only reason they reached out and the customer service was as nice as it was is because the attorney general and the Better Business Bureau notified them what the situation was while they try to resolve it. Endurance only called me because of the steps that I took and not because their customer service is good in the first place.

The used transmission finally arrived in a brown box with no information on its age, miles, or condition. When checking out, I asked Aamco of their warranty. I was told they cannot provide one due to it not being their product and knowing nothing about it, they only installed it. If something goes wrong my Endurance warranty will cover it within my contract time frame. Now, only (3) months later, my replaced used transmission provided by Endurance has failed and I'm in need of a transmission replacement again. I've been told by Endurance they will not cover a car rental and I can submit the bill to the supplier of the transmission when the claim is closed.

When I asked Endurance for the supplier name and contact information, I was refused and told they will give it to me only when the claim has been closed. Endurance told me, the standard is the time it takes to get the part to the shop plus one day for installation. However, this puts a hardship on me due to a lack of my ability to confirm reimbursement with the unknown supplier.

Meanwhile I'm having to put my car rental on my credit card during holiday rates without confirmation of reimbursement by unknown supplier. Again, having no idea of a time frame supplier will provide the part to the shop. Only 3 months ago it took them a MONTH. This is a time is of the essence matter, as I, or no one have unlimited funds to pay for that kind of time frame for a rental car without confirmation of reimbursement. I want my replacement to be handled in a timely manner and I want a new or reliable transmission installed in my vehicle. I was told I won't be responsible for the $100 copay this time.

Here come the worst customer support by Endurance. My calls got dropped and I was transferred from agent to another and no one cancelled my warranty. They simple ignore you and say "why did u sign up then?" Terrible customer support, I can't imagine what happens if I would have a claim with them. After my call being dropped and transferred for no reason for many times, one of them mentioned that he cancelled my warranty, but I never received confirmation of the cancellation. So I called back asking for confirmation of the cancellation and a lady explained that my policy is still active and has never been cancelled. Again the same story happens. They were transferring me to each other for over 50 mins and eventually I ended up by doing charge back. They are on market to make money and rip you off. VERY DISAPPOINTED.

I got a five years term. The miles is just above double what miles my car has now, and it was less 100 bucks a month. They set a payment plan up for me, and they gave me some options. And because of the limited usage that my car had, they were able to give me a little bit more of a premium deal on the payment, which I couldn’t pass up. Without me even asking a question, the customer service reps were able to give me a little bit of clarity on a couple of items that I did have some questions on. When the email came in and they have my packet, they kinda answered it for me.

Second denial was just this week. My left front wheel bearing went bad. Being a former mechanic, I knew it what it was. I called customer service to ask if the left front wheel bearing was covered under my plan. She read my contract (Select Premier 60/100) and advised my plan was covered. Made the appointment for the following day at my local GM dealer. Then the phone call came from the service advisor. NOT COVERED! Called customer service. Speaking with the rep, she stated that the repair is covered and she would switch me over to claims. "Make sure you tell claims it is covered under my plan" she said. Then a get claims after on hold for ten minutes. This guy "Len" was a real charm of a guy, Completely different experience. He was confrontational. I hate confrontation.

I was frustrated because I was being told, first by the sales person and then by, not one, but two customer service rep from Endurance that my repair was covered. On the phone with these people for over a hour now. Make a long conversation short with "Len", he told me to read my contract and the customer service reps should be "re-trained". After I was on hold with "Len" for 20 mins while he was "investigating" he came back on phone, and when I didn't answer him fast enough, put on on hold for another 15 mins waiting for customer service again. Then I dealt with a supervisor named Juan. A really great guy that is most definitely a credit to his corporation and an absolutely fine gentleman. He worked with me within his limits to get a good result for me. Bottom line is they denied my claim after trying to work with them in trying to find a cheaper repair facility.

Total time on phone with Endurance, 2 hrs 7 mins. Dealer visit $70.00 and no repair. One more note. Service advisor at the GM dealer stated he was on hold for 10 mins waiting to speak with a claims rep. He asked the advisor question such as: Are they OEM? Are the tires the right size? Are there any modifications on the truck at all? The truck is all original. What that tells me is they are looking to deny any claim they can! When that failed they came up with "not covered under his contract". Stay away from Endurance! Bait and switch company. Don't go to their Facebook page to look at their reviews! All lies! Do your research on this company and get real reviews!

I bought this plan to specifically take care of repairs like mine so I wouldn't have to do them myself. After spending 2700.00 on this plan, it is useless! BUYER BEWARE! ENDURANCE IS A BAIT AND SWITCH COMPANY THAT DENIES MORE CLAIMS THEN THEY HONOR!! My advise is that if you want a extended warranty plan, get it through your vehicle manufacturer. I had the Ford ESP plan and they never denied any claim I had. And I had quite a number of claims with them. If you abuse your vehicle with Endurance, forget a oil change on the engine or transmission, they will deny the claim. Do your research before purchasing any of these extended warranties. I will do the job tomorrow for 213.00 and my own labor. Stay away from Endurance! Don't be a VICTIM!!

I called back Endurance and got the adjuster on the phone and also the guy from the dealership. Originally the dealership said that they would agree to the $135 and then said they wouldn't. So, then he came up to $150, and that they could get my car towed. So if we put it back together, I had to pay something else, and we had to get another tow truck, then we have to take the car somewhere else. So, eventually, it took us a couple phone calls of fussing and negotiating the two so they could understand.

When I told them that I read contracts on a daily basis and that I’m an attorney, the adjuster's whole demeanor changed. He said they would give the dealership the adjusted rate. So, they finally came around, but it took two hours of my time when I shouldn’t have to do that. We got everything ironed out and my car is getting fixed now. But I shouldn’t have to go through all of that. I don’t wanna go through the hassle and argue with Endurance for them to pay and get my car fixed every time I take it to the shop.

I needed to call the rep back, so I did and we went over the policy again to make sure everything was correct with the mileage and all. I wanted to make sure they had the correct mileage because CarShield put the wrong mileage in my previous contract and not me. I told them what I had on that truck and that we always travel. Comparing CarShield and Endurance, I tell everybody not to use CarShield. They wouldn't cover my truck when it was in the shop and that was $3,500. My sister-in-law had four vehicles covered with CarShield and when all that took place with me, she undid it all and went with Endurance as well.

Since this would be a $4k repair Endurance denied the claim, saying Vanos solenoids are not covered and claiming they are timing chains instead of timing gears, even though BMW themselves say this is untrue!! Crazy loophole and super frustrating, we will now be taking them to court for the price of the repair as the car is unsafe to drive.

If you have a luxury vehicle please do not consider this company as they try to find loopholes to not cover the parts for expensive repairs. It makes me so sad that companies can take advantage of consumers like this. To make matters worse their management hasn't called us back and hasn't done anything to resolve the issue (thank you, Len). Instead they've asked for paperwork proving frequent oil changes (thank you, Mario), which we provided. The paperwork shows the car has been serviced perfectly and they still deny the claim. They even denied a claim for a couple hundred dollars for engine mounts saying the engine mounts (which are clearly covered in the contract) are faulty due to "wear and tear." Please save yourself the heartache and the headache. AVOID ENDURANCE AT ALL COSTS.

Reminded me of dealing with health insurance where typically the default answer is no without really even considering it. So, for $3600, I have a warranty that I consider to be basically worthless... Either they say no or I'm faced with dealing with the emotional and time energy of fighting them. My recommendation is a firm no... unless they move some of the sales people to claims so that the huge disconnect between the sale pitch and the claims process is eliminated.

I went on a road trip this weekend and I was gonna have to use the warranty. But it turned out the first person I spoke to didn't wanna use Endurance. If the mechanic is not willing to talk to them then maybe I shouldn't work with that mechanic. So, I went to Hyundai and they ran a diagnostic. I was able to leave them the phone number and the contract number, and they contacted Endurance themselves. So, it's a good way to identify a legit mechanic as well. I paid the 79 bucks for the diagnostic and they were able to find the issue. It was a loose plug. I drove the car back 11 hours and another 5 hours yesterday and there were no issues with the car. There were little issues on the back and forth with claims and learning that process though. I wish it was explained to me a little bit better. Other than that, they were more than willing to help.

When I called Endurance, the last person I spoke to with regards to the plan wasn’t very professional. I asked to speak to a supervisor and she said that the supervisor was just gonna say the same thing she was telling me. It ticked me off that she was rude like that. I wrote down a claim number and she said that I could send it in, but it wouldn't be covered since I didn't get the approval first.

I explained to them that I had received prior approval the day before from an Endurance representative. I was told by the claims person that the representative did not have the authorization to make that decision. At this point I was very upset and asked to speak to a supervisor. I was told that there was no one else I could speak with. I was not afforded the opportunity to escalate my complaint up the chain of command, instead I was give the Arbitration address. Bottom line is Endurance does not honor their contractual commitment! They are quick to take your money, but will find a loophole so they don't pay for repairs covered in their policy agreements.

It started off when they needed to have proof that I met the requirements like their maintenance requirements. I made sure I did all that, documented that, and sent that to them. I then had to put on an X amount of miles and wait. It was 90 days before any coverage was activated which was fine. There was no preexisting condition and the whole time, I was driving using the car. I took the car in after the 90-day period for a non-related battery issue that was not covered under the insurance and I knew that. It was a leaky hose in the motor compartment for the cooling system. And during the discovery at the BMW, they ran the codes and they found something else that they thought was wrong with the transmission. They thought it was the battery so they replaced that.

I picked the car back up and paid the bill. I never contacted Endurance. I just knew it was not a covered issue. About a month and a half later, the car threw that same code that they told me they discovered which was a transmission issue, so I took it back to the BMW. I was told it was the battery. But I don't think it was because there it was again and the same new battery was being put in the car. And it's $100,000 BMW 750Li so it's not cheap to fix.

At that point, I gave the repair place Endurance's warranty information. I was asked to go to a dealer if I had an issue with the car and their correspondence. I did that. Thompson BMW Incorporated contacted Endurance. The service manager got back to me and he said he was not able to get ahold of Endurance. He had been on hold for 45 minutes and nobody picked up. He called again and they put him on hold. But he just didn't have time to wait to get a response from Endurance again.

I called Endurance and they said that I did not provide the proper documentation of getting an oil change within 30 days of writing the contract. I went back into my emails. I had the proper documentation and I sent that to them. But they didn't like the way I sent the format. It was a handwritten oil change bill. They wanted it on a hard copy and typewritten. I went back and forth. I went back to the people that did my oil change. They wrote it up on their letterhead and typed it up. I forwarded that to Endurance and they said that was good. But they were still saying that I didn't do that. I told them I did do that. They then said it looked like I did and that everything was good.

BMW tried to contact Endurance again for the third time. But Endurance said there was an issue with Carfax regarding my car. Something showed on Carfax that I had two warranties on my car. I wrote an email and I contacted Endurance. I told them that I didn't have another warranty and that they were the only company I was paying.

I searched around several months prior and had gotten quotes from a bunch of different people and looked at their different options on their contracts and different services and different prices. Somebody apparently logged my VIN on Carfax and it showed up there according to Endurance. Becaue of that, they wouldn't move forward with looking at my claim. I went through a couple of weeks of back and forth. The whole time, I've got a loaner car from the BMW dealer. They were getting a little upset that I have the loaner car and don't know what was going on with the insurance company.

Endurance couldn't give me any information on what they were finding, who it was, where it was, what it was, and what the name of the company was. But they were saying it was black and white and they couldn't move forward with my claim. It was a covered item unless I could prove and get a letter from this particular company that I didn't even know about. I couldn't find any information online anywhere. I didn't know where Endurance was finding the information but they apparently found it and there was proof.

After a couple of weeks of that, I went back through my records and all the people that I had quoted. I went back from claim records to my email records. I found the company that sent me some correspondence by the name of CarShield. Apparently, they did start to write a contract on that vehicle and issued in their mind a contract. I then got a payment note sent to my office saying that the policy was cancelled because of non-payment.

I never paid them and I never authorized insurance on that contract. They didn't cover some of the things that Endurance did in my discovery process. I had to go back to them and that took me another week back and forth with them with several hours on the phone and emails. Finally, I got a really nice person at CarShield. They sent me a letter saying that I don't and never did have insurance with them. There were no payments made to them. I sent it back to Endurance and a copy to the BMW dealer last week before I left to go out to the Eagles game and business trip out to Chicago and Wisconsin. I told Endurance to please authorize the claim now. I was assuming it was a covered item but they didn't wanna pay.

I had Endurance call Thompson BMW after I sent that letter and all the correspondence wrapped up my little tiny package. BMW said that they called Endurance and they were told that was not a covered item. I did all this for something that was not even a covered item under Endurance's policy. I checked deeper with BMW and they said it is a covered item. It's clearly written in the contract. I went on to ask and I contacted my American Express Platinum Card. I put disputes with them for the payment. I have other cars insured under Endurance and the contract reads, "In transmission, all lubricated internal parts contained within the case. Computer modules and solenoids, etcetera, etcetera."

This is a panel with some type of computer module and solenoid unit. But it's called an electronics unit from what I found out later. And it's inside. It's an internally lubricated part. I called Endurance after I found that out. And I'm working with a local BMW expert here. I have statements from their BMW Experts, and they went pretty deep. I told Endurance that I thought they were wrong. They came back to me and I have multiple correspondences with them. I've got information from Thompson BMW too.

But the guy in Endurance told me when I called back that the item was not covered because it was a bolt-on unit on the exterior of the transmission. It was not contained inside the transmission. But the contract says, "All lubricated internal parts contained within the case." I got underneath the car and looked at it. I talked to my local mechanic. He says it's a lubricated part inside the transmission. You have to take the transmission casing apart to get to it.

I found out yesterday that Endurance sent an investigator out to BMW. He authorized the claim with BMW back to their office. Some might have looked for the computer schematic somewhere. Apparently this unit is partially in and partially out. BMW says they have to be replaced together. I go on to the BMW site and I have documentation on there of somebody else having a 750Li that had electronics unit replaced. There were no questions asked by Endurance and they replaced it for $4,000.

I'm looking for other people that had either that coverage done or not done. And I'm prepared to take it to the small claims court in New York which is where Wesco is located. The way the language is written, there are two parts. All the internal lubricated parts contained within the case and what is considered the case. I looked at the transmission and I saw that the transmission looked good. There are all the gears and electronics, the valve solenoids and all the stuff in these crazy cars today. At the bottom, there's an oil pan. Unless you're doing that, you can't change the fluid in it. I made an appointment with one of the local experts that's a transmission specialist on the BMWs. Next week, I'm taking it there to have him take a look at it and show me the schematics of what it looks like on a computer. I just haven't had time. I spent dozens of hours on this already.

BMW threw their hands up in the air and told me there was nothing else they could do. They couldn't fight it out with Endurance any longer. They also needed to get the loaner car back. Endurance is always about denying claims and I have issues with their customer service. The guy who told me that it was an exterior bolted on part on the outside of the transmission case was 100% wrong. He was very ignorant and he basically hung up on me. I think they all know who I am out there now. Endurance is not that big of an organization in the claims center and I'm sure I've talked to or communicated with at least half of them at this point. I have every time, date and person's name that they gave to me. I documented down on my stuff here.

I know people in some pretty high places and I'm going to actually make some effort. I'm not gonna go out of my mind and I'm not gonna slander anybody. I'm gonna tell the truth and I'm gonna make it known out there. I have a pretty good social media presence. I've got another company and I've been involved with people that can get other companies blacklisted. I have some Facebook groups and I'm in car clubs. I've got a multitude of cars like an Aston Martin and a Mercedes race car. I know quite a bit but I know very little about this particular BMW because it's been dealer serviced from day one. It was always under warranty. I liked the car. It's a beautiful car to drive and have but they are expensive to fix.

I have nothing to benefit from fighting Endurance for a lousy $1,000 repair bill. But I think it's a matter of consumer issue and to do the right things. I don't know if I'm right or wrong right now. But I do know the runaround they gave me was unnecessary for an uncovered item if that, in fact, was the issue after the three or four things that happened. And I went through it all.

My air conditioning stopped working and I had to be pre-certified for a claim and after trying to use the service, the specific part that needed to be fixed wasn’t covered. I just talked to the reps yesterday because I was calling to cancel the contract. I found out how little was gonna be covered and all the issues that I would probably have with my vehicle going forward are not gonna be covered. So, it didn’t seem like it was worth having. The retention department did a really good job of trying to retain my business. So, they're giving me a two-month window where I don’t have to make any payments so that I can still have the coverage and reconsider my situation.

Also, there's something I didn't understand about the company until afterwards. They were basically saying that the people that I actually had my warranty through are under Endurance. It’s like a subcontractor. I’m like, “It’s either Endurance or it’s not.” When I first paid Endurance, I got that information saying that I paid Endurance. Now, when I pay Endurance, it comes back by something else.

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.