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Assurant vs. Onust

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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    Assurant Extended Warranty and Onust both offer extended car warranties that protect you financially after your manufacturer’s warranty expires.

    While they offer similar services, there are some differences between the coverage they offer, the cost of their plans and the additional benefits you get. We’ve analyzed both companies to help you decide which is the right fit.

    We recommend Assurant if you drive frequently. Most extended warranty companies set mileage limits for vehicles, but the cap at Assurant is higher than Onust’s, making it a better option for drivers who spend a great deal of time on the road.

    Onust is best if you need the most comprehensive coverage. The premium plan from Onust covers critical components, such as heating and cooling systems, which can be expensive to repair — items not included in plans from Assurant.

    Assurant Extended Warranty vs. Onust coverage

    Plans from Assurant Extended Warranty and Onust offer varying levels of coverage for your vehicle's parts and systems.

    Assurant Extended Warranty coverage

    Assurant offers four plans:

    • Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
    • Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
    • High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
    • Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.

    Onust coverage

    Onust offers two vehicle coverage plans: Onust Connect Tech and Onust Connect Plus.

    • Onust Connect Tech is the most basic plan. The main feature is 24/7 towing and roadside assistance, which covers flat tires, lockouts, dead batteries, fuel issues and other possible emergency situations. It also comes with notifications for vehicle safety and recalls, as well as the ability to connect to certified mechanics to get questions answered.
    • Onust Connect Plus includes everything in the Connect Tech plan, plus mechanical breakdown coverage, rental car coverage and lodging reimbursement. This is more similar to a traditional extended warranty plan.

    We’ve broken down what’s covered under each of the companies’ plans below:

    » LEARN MORE: What does a car warranty cover?

    Assurant Extended Warranty vs. Onust cost

    The cost of an extended auto warranty can vary significantly based on several key factors. Vehicle age and mileage are typically the most influential factors — newer cars with lower mileage generally cost less to cover than older vehicles with high mileage. The make and model of your vehicle also impact pricing, with luxury and high-performance vehicles usually commanding higher premiums due to more expensive repair costs.

    Additionally, plans with comprehensive coverage cost more than basic powertrain protection. Plans may also be more expensive depending on where you live.

    We gathered quotes for different vehicles with varying mileage to give you an idea of how prices compare between Assurant Extended Warranty and Onust. The prices below are for each company's lowest-tier plan unless otherwise noted. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.

    You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.

    We received quotes for the Onust Connect Plus plan since it compares most similarly in coverage with a powertrain plan. The Ford F-150 and Honda CRV quotes are only 125,000 miles, since the company does not offer this coverage for vehicles with more than this. Onust plans have an activation fee ($300 for the Toyota Camry and Honda CRV, $569 for the BMW 3 Series and $479 for the Ford F-150) that we have included in the cost per year in our table below.

    Assurant Extended Warranty vs. Onust policies

    Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).

    Onust mechanical breakdown coverage has a $0 deductible and begins immediately. However, there is an activation fee that starts at $125 and varies based on the type of vehicle you’re covering.

    There are some limitations on which vehicles can be covered, however. Onust will not cover vehicles with over 125,000 miles or vehicles that are over 10 model years old. European, diesel and electric vehicles must have less than 65,000 miles. There may also be certain vehicle models that are excluded.

    That said, Onust won’t cancel coverage when you cross these limits — you just have to register the vehicle before reaching them. Once registered, there are no mileage limits and your vehicle is covered for the remainder of its life.

    Assurant Extended Warranty vs. Onust additional benefits

    In addition to coverage for mechanical failures of your vehicle's parts, Assurant Extended Warranty and Onust offer a few other benefits.

    Assurant Extended Warranty benefits

    All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).

    If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.

    Onust benefits

    All Onust plans include useful benefits, including:

    • Real-time connections with certified mechanics to answer questions
    • Vehicle safety and recall notifications
    • 24/7 towing and roadside assistance benefits
    • Expense reimbursement for rental cars, travel lodging, towing and more

    Assurant Extended Warranty vs. Onust reviews

    For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Assurant Extended Warranty and Onust.

    Assurant Extended Warranty reviews

    Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.

    • "I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York

    • “Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California

    Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.

    • “600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California

    » SEE FOR YOURSELF: Assurant Extended Warranty reviews

    Onust reviews

    Onust customers appreciate how easy the company is to work with and how clear the communication is.

    • “Best investment I ever made. Every now and then, they send a check to use on any service. I also had a claim and it was all paid for. I would recommend Onust to anybody.” — Bill from Massachusetts

    • “When Onust became available, I jumped at it, especially because I can keep it for the lifetime of my car, which is very attractive. The coverage is great too. The warranty covers more than the service contracts I have on my other vehicles.” — S from Colorado

    Most customer complaints focus on certain vehicles not being covered.

    • “After I had paid a couple of months, I had a repair to do and when I went to go over a repair at $3,000, Onust wouldn't cover the cost. I went through their reps a couple of times and I told them that I didn't know about it since they didn't tell me anything about it.” — Sebastiano from New York

    It’s worth noting that Onust does list vehicles it won’t cover in its terms and conditions, but it’s up to the customer to read those conditions before signing up.

    » SEE FOR YOURSELF: Onust reviews

    Bottom line: Assurant Extended Warranty or Onust?

    All things considered, what kind of driver is each provider best for?

    • Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.

    • Onust is best for drivers who want day-one coverage and month-to-month plans.

    If neither sounds like a good fit, or if you’d simply like to see more top-rated providers, check out our other picks for the best extended car warranty companies.

    Looking for an extended car warranty?READ OUR GUIDE