Overview

Endurance offers comprehensive vehicle service contracts, also referred to as extended car warranties, with some great additional features, including 24/7 roadside assistance, towing, lockout service, rental car coverage, and more as standard in all of their auto protection plans. New customers also get a year of additional extras, called Elite benefits, for free, including key fob replacement and complete tire coverage.

Endurance Plans

Endurance has customizable policies, and the ones you will see on the quote will depend on the details you give.

On the Endurance website, you can see details of the 3 most common levels of coverage. These range from the Secure Plus plan, which offers a decent level of general coverage at an affordable price, to the more comprehensive Supreme plan for exclusionary coverage.

If you are particularly keen to cover particular vehicle components, it might be better to opt for the Superior or Supreme plans, which give more peace of mind with protection for a wider range of auto parts and systems.

Optional add-ons

Every Endurance policy comes with an add-ons package called Elite Benefits. This is free for the 1st year, though a small activation fee applies. After year, you’ll need to pay extra to retain these additional cover options. The Elite Benefits package comes with the following:

• Tire replacement for up to 2 tires per year
• Key fob replacement up to $500
• Collision discount of up to $500 for vehicle repair, per accident
• Total loss protection: claim up to $1,000 for total vehicle replacement, if needed

Plan exclusions

Your Endurance plan won’t cover everything, so you should check your policy for full details of exclusions. You can also view sample contracts on the website if you want to understand more before you purchase. Plans usually exclude the following (amongst other things):

• Repair of parts not listed on your plan
• Maintenance services (though routine maintenance is offered through the Advantage plan)
• Breakdown due to acts of nature like storms or freezing
• Damage caused by conditions like corrosion, salt, lack of lubricants, and oxidation
• Gradual loss of performance rather than breakdown
• Damage caused by poor repair work
• Vehicles that are out of warranty
• Vehicles that have ever been declared a total loss
• Commercial use vehicles
• Accidental loss or damage, including theft
• Pre-existing conditions or breakdown within the waiting period
• Breakdowns that occur outside the United States or Canada

Endurance Plan Pricing

The price of your insurance with Endurance will depend on the make, age, and mileage of your car. To find out how much you might pay monthly, you can request a quote from the website. Endurance’s prices are in line with other providers, with plans as low as $99 per month, despite the impressive number of extras included in the coverage. However, you may find cheaper services elsewhere if you want a budget option.

Here, you can see quotes for 3 vehicles, each with 60,000 miles on the clock and no modifications. For these vehicles, Endurance gives 2 pricing levels, with similar coverage to the Secure Plus and Superior plans listed above:

Endurance quoted a $100 deductible in all scenarios, though all plans have customizable deductibles.

How To File a Claim With Endurance

When you have a breakdown, the first step is to call Endurance’s 24/7 roadside assistance team. Once you’ve taken your vehicle to a cartified mechanic, you’ll need to instruct the service manager to reach out to Endurance for authorization of the claim. You must do this before any repairs take place, or Endurance may not be able to reimburse your mechanic. It’s also important to keep a record of what repairs the mechanic carries out.

Once your car repairs are complete, you’ll need to pay any deductible owed, which will depend on your policy—as do payout limits. The reimbursement will be made straight to your mechanic for any parts or repairs.

You can reach out to the customer service team by phone at 866-432-4443 to check on the progress of your claim, or you can get live updates through the mobile app. Endurance says it can settle claims in 48 hours, which will happen directly with the mechanic.

Is Endurance Legit?

Endurance has a decent rating on Trustpilot, with an average score of 3.9 out of 5, gathered from 6,223 reviews (as of April 2023). Customers leaving positive reviews note the friendly customer service and the peace of mind they get from the comprehensive coverage. However, some customers say that Endurance denied their claims unexpectedly.

On the Better Business Bureau (BBB), Endurance has an average rating, gathered from 1,939 customer reviews. The company is currently not yet accredited by the BBB, but the website notes that Endurance has responded thoroughly to consumer complaints. In particular, the sales team now appears to be giving customers better information about exclusions and conditions so they are not surprised by claim denials.

What’s Unique About Endurance?

Endurance has a number of appealing features and deals that really make its auto cover worth considering. These include:

• A 30-day money-back guarantee if you change your mind after purchasing
• A free year of the Elite Benefits add-ons
• 24/7 roadside assistance, towing, and more are standard

Help and Support

Endurance has a dedicated customer phone line, available Monday-Friday, 8:00 am-5:00 pm (CT), as well as a live chat on the website. The chat is only available in the same limited hours and is unfortunately not 24/7. However, responses are pretty quick (usually within a minute). You can also contact customer support through the website contact form, or through the mobile app.

On the website, there are brief FAQs on a number of important topics, such as how to file a claim. There’s also a glossary to help you understand your policy and a helpful blog updated regularly with hints and tips for car owners. These include how to clean and maintain your car, extended warranty comparisons, as well as tips to fix common problems.

What About the Endurance App?

You can download the Endurance Mobile app for both Android and iOS. On the app, you can review your policy details, get real-time claim updates, contact roadside assistance, contact customer service, add another car to your policy, and access your Elite Benefits extras.

The app currently has an average rating on Google Play and the App Store. Some customers have had trouble logging in and linking their contracts, but others note that the process is quick and easy.

In Conclusion

Endurance is a trusted brand with fairly decent customer reviews. Despite some people being surprised by denied claims, the company is addressing this by improving customer education. Endurance’s coverage is comprehensive: the inclusion of 24/7 roadside assistance and other benefits in all plans is a definite plus, as is the free year of extras like key fob and tire replacement.

The company’s website is informative and easy to use—plus you have the option of downloading the mobile app to check your policy and claims progress in real time. With a 30-day money-back guarantee if you’re not satisfied, Endurance is definitely worth exploring if you need to cover your car.