Is Endurance a Scam? 

If you’re thinking of using Endurance, you need to know: Is Endurance a scam? 

Below, we explain whether Endurance is a scam and discuss some steps you can take to improve your safety when using this extended auto warranty provider. 

What Is Endurance?

Endurance is short for Endurance Warranty Services, a provider of Vehicle Service Contracts (VSCs), a service that is commonly called extended auto warranties. 

Endurance offers protection plans that kick in after your manufacturer’s car warranty expires.

The company specializes in third-party auto protection plans for used and/or older vehicles. 

Is Endurance a Scam?

No, Endurance is not a scam, but the reviews it gets are very mixed. 

Endurance has been reviewed favorably by third-party publications.

• Cars.com concluded that Endurance is a strong extended car warranty option offering comprehensive coverage, unlimited mileage plans, and good customer service. However, it requires vehicles to be under 20 years old and has a 30‑day waiting period before coverage begins.
• Automoblog gave Endurance a rating of 4.8 out of 5.0 stars, saying that, in their opinion, it’s the best warranty provider overall. 
• Consumer Review Center also rated Endurance as 4.8 out of 5.0 stars. 
• CarTalk gives Endurance a rating of 3.8 out of 5.0 stars. 
• Marketwatch rated Endurance as 4.6 out of 5.0 stars. Endurance won Marketwatch’s “Best for Comprehensive Coverage award.”
• Autoinsurance says that Endurance offers flexible, budget-friendly plans with unlimited mileage and solid coverage options, but has mixed customer service reviews, a poorly rated mobile app, and exclusions like preexisting conditions that may limit its value for some drivers.

However, user reviews of Endurance are more mixed:

• 4.6 out of 5.0 stars (from 16,215 reviews) on Consumer Affairs. 
• 1.0 out of 5.0 stars (from 205 reviews) on Yelp.
• 4.0 out of 5.0 stars (from 11,361 reviews) on Trustpilot.
• 3.75 out of 5.0 stars (from 4,753 reviews) on Better Business Bureau. 

On internet forums like Reddit, people report mostly negative experiences with Endurance.

For example, one person said that Endurance denied their warranty claim for a broken exhaust manifold despite multiple attempts to get it covered. The company apparently gave various excuses (broken bolt exclusion, emissions equipment, lack of maintenance) and made the cancellation process difficult. 

Another said: “I have been in the auto industry over 20 years. This is by far the worst warranty co I have had to work with.”

A minority of people report having had a positive experience with Endurance.

One user wrote: “I’ve had good experiences with them. They’ve covered my turbo, exhaust manifold, and just recently my transmission for my car. In both instances they’ve provided a 5 day rental as detailed in the contract. I just followed what was in the contract. Left the car stock and got my car serviced at regular intervals with digital and physical copies of the invoices so they can’t say I didn’t maintain the vehicle. Came in handy for my transmission replacement.” 

Endurance is a Better Business Bureau (BBB) accredited business and has an “A-” rating. It has received 3,491 complaints in the last three years, 1,211 of which have been closed in the past 12 months. (Read our review “Is BBB a Scam?”) 

Contracts

Before you commit to Endurance, it’s a wise idea to read the contract of the product you’re thinking of buying. 

Endurance has sample contracts in the footer of its website.

To give you an idea, here are some of the points you may want to be aware of from its ‘Advantage’ contract:

• Strict maintenance requirements. You must follow the manufacturer’s maintenance schedule and keep verifiable records. If you can’t provide receipts (oil changes, filters, fluids, etc.), claims may be denied, even if unrelated to the repair.
• Exclusions. Preexisting issues, wear beyond normal limits, accidents, vandalism, negligence, and modifications are not covered.
• Waiting period. Coverage only begins after a waiting period (days and/or miles). If something fails during that window, you’re responsible for the cost.
• Pre-authorized claims. You must obtain authorization before repairs. Otherwise, you pay out of pocket. In emergencies, you must notify Endurance within a few business days (late reporting can void coverage).
• Parts quality. Repairs may be done with used, aftermarket, or remanufactured parts instead of new OEM parts.
• Transfer & renewability. Transferable to a new owner (fee applies, usually $50) if proper maintenance records are provided. Can be renewed within 30 days and 1,000 miles of expiration. Unlimited mileage options may not transfer to the new owner. 

Class action lawsuit

In 2025, a class action lawsuit was filed against Endurance, alleging that despite advertising itself as America’s “Best Vehicle Protection Plan Provider” with a quick, stress-free claims process, the company routinely delays or unjustifiably denies claims, leaving customers to pay out-of-pocket for costly repairs. 

The suit argues that Endurance failed to uphold its contractual obligations, causing consumers financial harm and loss of vehicle use. 

Security

We couldn’t find much information about Endurance’s security controls.

In its privacy policy, it says it has “implemented security procedures to protect the personal information that you provide to us,” but it doesn’t describe what these procedures are. 

Privacy 

Endurance explains the kind of data it collects, for what purposes, and with whom it shares it in its privacy policy.

It collects the following information:

• Personal Information (PII): identifiers (name, SSN, license, DOB, IP, email, phone), commercial info, geolocation, employment data, protected classifications (like age), and session/device details.
• Sensitive Personal Information: SSN, driver’s license, login credentials.
• Business Information: EIN, TIN, addresses, emails, phone numbers, bank details (if tied to a person, treated as PII).
• Automatic Collection: cookies, tracking pixels, web beacons, clear gifs, analytics tools (e.g., Google Analytics).

It uses this information to provide and improve services, process transactions, fulfill requests, prevent fraud, and comply with legal requirements. It may also use it for marketing communications and business operations. 

Data may be de-identified and used for analytics or business purposes. 

Endurance may share your information with service providers and mailing list partners, as well as for business transfers (e.g., merger or acquisition), legal/compliance (e.g., regulators, court, and law enforcement), and targeted advertising. 

It does not currently respond to browser “Do Not Track” signals.

You can opt out (from marketing emails and texts) and, depending on where you reside, you may also be able to exercise privacy rights like the right to know, deletion, and correction. 

Personal data may be transferred outside the U.S. with fewer protections.

So, Should You Use Endurance?

Depends.

Endurance gets great reviews from third-party publications, but user reviews are mixed.

It could be a good option if you’re diligent about keeping maintenance records and understand coverage exclusions. 

It may not suit you if you want a hassle-free, “no-questions-asked” warranty. Endurance is also not great for privacy. 

How to Use Endurance Safely and Privately

• Keep meticulous maintenance records. Save every receipt for oil changes, tire rotations, and other required services. If possible, get digital invoices emailed to you for a permanent record. Record mileage/date at each service. Store these details in a dedicated folder or cloud drive.
• Follow the manufacturer’s schedule exactly. Even small delays (like changing oil a month late) could potentially be used to deny claims. Set phone reminders or use a maintenance tracking app.
• Avoid unauthorized modifications. Lift kits, custom wheels, or aftermarket parts could trigger exclusions. If your car already has modifications, confirm in writing whether they’re covered.
• Always get pre-authorization before repairs. Call Endurance before a shop does any work. Keep the authorization number and name of the rep you spoke with. For emergencies, notify Endurance within the allowed time (usually 5 business days).
• Know what’s not covered. Normal wear items (brakes, tires, wipers) aren’t included unless you buy add-ons. Collisions, vandalism, and environmental damage are excluded. Ask for a written list of exclusions before you sign.
• Limit the data you give upfront. Only provide the minimum information necessary for a quote. Avoid giving your SSN or sensitive data until absolutely required (and only through official channels).
• Use a dedicated email address and phone number. Create a separate email just for warranty/auto-related quotes. Consider using a VoIP number (like Google Voice) to reduce telemarketing calls.
• Opt out of marketing where possible. Unsubscribe from promotional emails immediately if you don’t want them. Text STOP to opt out of SMS. Call customer service to request removal from mailing lists.
• Be cautious with cookies and tracking. Use a privacy-focused browser or extensions and decline non-essential cookies when visiting Endurance’s site. Clear your browser cookies and cache periodically.
• Avoid sharing sensitive personal documents through email. If Endurance requires documents (e.g., driver’s license, proof of maintenance), ask about secure upload methods instead of emailing unencrypted files.