Is endurance a good warranty to have?
Posted by Mirbear1502@reddit | askcarguys | View on Reddit | 15 comments
Should I go with something different?
Posted by Mirbear1502@reddit | askcarguys | View on Reddit | 15 comments
Should I go with something different?
Rojo438@reddit
Stay away from this scam - they have had 3,666 BBB (better business bureau) complaints in 3 years. Absolutely do not do business with them. They average almost 4 complaints PER DAY! I have no idea how they are still in business, but a sucker is born everyday...
Puzzled-Ad1196@reddit
Whatever you do dont get this warranty of you have a higher end vehicle. They will only pay about 1/3 of repairs cost. God forbid you take it to the dealership and its worse!
SamAndBrew@reddit
No after market warranties are good. Don’t read the fine print, MEMORIZE it.
Some of them literally state they will never cover any amount more than what you paid for said warranty.
jimby113@reddit
Agreed...I've had 3 claims with Endurance over the past year or so and they have NOT covered 1. I finally wised up and canceled the policy. They are liars and thieves, I'm the nitwit who was suckered in. Stay far away from Endurance.
SamAndBrew@reddit
I figured out immediately that you have to take it to an out of network mechanic. The in-network shop they sent me to (literally the dealership where I bought the car/warranty) denied everything because yeah, no shit, they’d be on the hook for every penny.
Found an independent shop and paid the $100 out-of-network deductible for each claim.
I became the 1% after figuring that out tho because I absolutely took my warranty company to the cleaners lol. After about 4 claims they shelled out over $12k for a $2k warranty.
*If it was me wrenching in my driveway it wouldn’t have cost nearly that much but the shop followed official repair procedures which was basically just using the parts cannon for my issues.
AsManDoesManIs@reddit
Maxcare is an exception
Appropriate-Disk7473@reddit
Bought Endurance auto warranty company a few days after buying my F150. A month later I heard a noise when starting my truck up. I took it to the dealership and filed a claim with Endurance to get it fixed. Endurance denied my claim sating it was a pre-existing condition although it happened after the 30 day time period and well over 1000 mile mark of driving that Endurance says you have to reach before filing a claim. I would never recommend Endurance to anyone. It's a scam. Just get a credit card and pay your own repairs or trade your car in.
Crazy_Judgment_4186@reddit
It really depends on your budget and how long you plan to keep the car. Endurance can be useful, but it's not the only option. You can check out third party vehicle service contracts like CarShield for more flexibility, they can help cover unexpected major repair costs especially as your vehicle gets more miles on it. At the end of the day, it's worth comparing a few options to see what gives you the best coverage for the price.
PivotRipshits@reddit
Welp, ive had Endurance now... I have fully paid off the contract, with one more payment to go. And my vehicle has been running rougher lately, been taking good care of it. But I need engine work quick, nothing is telling me that, I just can tell. How would I do it?
Crazy_Judgment_4186@reddit
If you suspect engine work is needed, I'd get it diagnosed by a mechanic as soon as possible so you know exactly what's going on. Once you have a diagnosis, contact Endurance directly to file a claim, they'll walk you through their process and let you know what's covered under your contract. Make sure to keep all your maintenance records handy since they'll likely ask for them. If the repair isn't fully covered or if you're unhappy with how the claim goes, that's when comparing other options like CarShield for future coverage might make sense. But for right now, getting that diagnosis first is the most important step.
jrileyy229@reddit
First of all, they're not warranties... They're not sold as warranties because they're not legally allowed to even use that term.
They are service contracts, coverage contracts, whatever verbiage they use along those lines. That's an important distinction... You're buying an insurance product, that's it... Not a warranty
They are virtually never going to pay out on anything major .. you might get them to pick up a few minor things but as soon as they have to dip into the red, they're out. You going to sue them and spend 30k to sue them out of state to try to get them to cover a 4k transmission? Of course not
They've got a professional legal team who had drawn up the contract specifically to be in their favor. Transmission issue? Shop saw a little fluid leak from a seal. That means the fluid was low... Claim denied because seals are considered wear items and wear items as a cause of other issues is not covered.
ApartmentKindly4352@reddit
3rd party warranties are absolute shit...they sound great, but you must read the fine print...not only are they a hassle and a back and forth for the shop (extra down time on a broken down vehicle) but they often dont cover full labor, certain parts, tax, fluids, diagnostic...the list goes on, they will literally try to deny claims for some of the stupidest reasons
S83884Q@reddit
Endurance is hit and miss. It seems they are an umbrella company and you get what you pay for. If a dealer sells it, consider it top notch. If you call the number you see for nascar or with zombie rick flair advertisements, it’s probably a shit show
Mike__O@reddit
Don't waste your money on an aftermarket warranty. They're almost all just one little baby step away from an outright scam.
Their marketing makes all these big claims about what they will pay for and how much money they will save you, but in practice they almost always find a way to worm out of paying. Their contracts are written in such a way that nearly everything on the car can be excluded from coverage for some reason or another.
Save your money and keep it in a rainy day account for when the car needs repairs.
bradland@reddit
Manufacturer warranties are almost always the first choice. If you can't get a manufacturer warranty, Endurance is a solid choice. They administer their warranties in-house. A lot of other warranty companies are basically marketing & finance companies dressed up as a warranty provider.
When shopping for policies, stick to the exclusionary policies. They'll be branded Advantage and Supreme. Exclusionary policies list specifically what is not covered. Everything else is covered.
Question is, why are you buying a warranty at all? Extended warranties are usually a bit of a sucker's bet. Any warranty worth the money is expensive. You're usually better off to buy a reliable car to start with, and then put that warranty money in the bank earning interest for the rainy day when something goes wrong.
Of course, if you're buying a used German luxury car, spending a few grand on an extended warranty might not be a bad idea lol. Just make sure it covers the stuff that will actually affect your pocket book. A lot of warranties will exclude stuff like air suspension, and for good reason. That kind of thing can cost thousands of dollars per corner.