In This Article
We rate Toco warranty 4.6 out of 5 and recognize it for having low monthly payments compared to other vehicle service contract providers.
Key Points:
- Toco offers four plans depending on your car’s mileage: Orange, Yellow, Blue, and Green.
- Toco offers cheaper monthly rates for warranty coverage compared to many leading providers.
- Toco is a direct plan provider, so you don’t have to work with a middleman when filing a claim.
If you’re looking to cover mechanical breakdowns on your aging vehicle, you’ve probably come across the company Toco. We rank Toco warranty second place among the best extended warranty companies considering it offers affordable plans and a good selection of coverage. In this article, we’ll take you through Toco’s coverage options and service reputation to help you decide if it’s worth it.
Our Top Pick
After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.
- Unlimited Miles for Cars Under 20 Years
- Maintenance Coverage Available
- Salvage or Rebuilt Cars Are Covered
- 24/7 Roadside Assistance
- Direct Administrator of Claims
What Is Toco Warranty?
Toco Warranty Corp. is a vehicle service contract company in business since 2012. It offers four plans that correspond to different mileage ranges. Our review found Toco offers affordable rates and helpful customer service. The company has an A+ rating from the Better Business Bureau, which means it responds to customer complaints and resolves them quickly.
Toco offers warranty plans in most states. However, at this time, Toco is not available in California, Montana, Washington, or Wyoming. Also, people use the term extended warranty to refer to third-party plans, but a vehicle’s manufacturer is the only entity that can offer a true extended warranty. Toco and other third-party companies offer vehicle service contracts, which cover similar repairs.
Is Toco a Direct Provider?
Our Toco Warranty Review
| Research Category | Toco Rating |
| Coverage | 4.3 |
| Cost and Buying Experience | 4.5 |
| Reputation | 4.7 |
| Customer Service | 4.8 |
| Overall Rating | 4.6 |
Toco Warranty Coverage Review
Toco offers four plans with different coverage that depend on your car’s mileage:
- Orange (Up to 100,000 miles): This plan covers all vehicle systems for mechanical breakdowns except for a list of exclusions. It’s similar to a manufacturer’s bumper-to-bumper plan.
- Yellow (100,000 to 150,000 miles): This plan covers 18 systems including steering, brakes, suspension, high tech, audio, and modern features like blind-spot monitors.
- Blue (150,000 to 200,000 miles): This plan covers 12 systems including the powertrain plus the cooling, air conditioning, fuel, and electrical systems.
- Green (200,000 to 250,000 miles): This plan covers 8 systems including the engine, transmission, drive axle, and optional hybrid components. Toco counts “taxes and fluids” as a covered component.
Compared to other companies, Toco provides a good range of coverage options. However, unlike other companies, your mileage dictates the available plan.
Each plan above has a specific mileage range. If your car has less than 100,000 miles, you will get the Orange plan. As it ages beyond 100,000 miles your coverage will automatically change to Yellow. The same happens at 150,000 miles for the Blue plan and 200,000 miles for the Green plan.
Toco Warranty Plan Benefits
All Toco vehicle service contracts come with the following benefits:
- Rental car coverage: This benefit reimburses you up to $40 for every four hours of labor with a maximum benefit of $200 per car repair. Toco also partners with Enterprise and can pay for one of its rental cars directly.
- Trip interruption: This benefit reimburses you for hotel and food costs if you have a covered breakdown over 100 miles from home. It can cover up to $100 per day for three days per breakdown.
- Roadside assistance: This service provides towing up to 15 miles for free, battery jump-start, flat tire change, fuel delivery, and locksmith services. If you pay for any services upfront, you can be reimbursed up to $100 for towing and $50 for other services.
What Does Toco Warranty Not Cover?
Toco’s extended warranties come with exclusions like all protection plans. This is one of the most important sections to understand in your contract. Here are a few examples:
- Maintenance services and damage from lack of maintenance
- Damage from collisions, road hazards, earthquakes, or other environmental events
- Damage from misuse like racing or towing something too heavy for your car
- Any repair if the odometer has been tampered with
- Vehicles that have been salvaged or rebuilt
- Pre-existing conditions
- Unauthorized repairs
- Certain components like brake rotors and drums, exhaust components, upholstery, cosmetic items, and glass
Generally speaking, you’ll find similar exclusions from any manufacturer warranty or third-party service contract.
Toco will also ask if you use your car for commercial purposes including rideshare services. It’s important to be honest because some repairs can be denied for extra wear and tear because of commercial use. Toco can cover commercial vehicles with an upcharge.
Other Toco Auto Warranty Terms and Conditions
Keep the following points in mind as you compare Toco’s plans with other providers:
- Waiting period: Industry standard (30 days and 1,000 miles or other period depending on state)
- Money-back guarantee: Full refund within 30 days
- Deductible options: $100 is the default
- Transfers: Contracts are not transferable
- Cancellation: Cancel any time (prorated refund after 30 days)
The only thing that’s out of the ordinary is you can’t transfer a contract to a secondary owner if you sell your car. This makes sense though considering Toco’s plans are month-to-month, so you simply cancel the plan when you sell your car.
Toco Warranty Cost and Buying Experience
Toco offered a monthly payment of $79 when we received a quote. This was cheaper than the average monthly rate we received from multiple providers of $132. Toco’s quote also didn’t require a down payment, while many other companies did.
Below is the quote we received, which applies to a 2017 Kia Sportage with 110,000 miles:
| Plan | Term | Monthly Cost | Down Payment | Total Cost |
| Starting at Yellow then Blue and Green by mileage | 250,000 maximum mileage | $79.05 | None | Varies |
*Plan includes a $100 deductible.
While Toco offers affordable monthly payments, these payments continue for as long as you have the plan. That’s because Toco offers month-to-month contracts.
At a certain point, month-to-month contracts become more expensive than fixed-term contracts. For example, this Toco plan would cost $3,792 after four years of coverage. Our team received a quote for a four-year plan from autopom! for $2,772, or about $1,000 less overall.
That said, you might not want to sign up for a multi-year plan upfront. A month-to-month plan is convenient for covering your car for a year or two.
In our experience, the salesperson was pleasant on the phone. They offered to set up another phone appointment and said they would not hound us with marketing calls. When we told the salesperson we were comparing quotes, they looked for promotions or discounts that might apply. They offered a veteran and senior discount, for example.
What Affects Toco Car Warranty Costs?
Extended warranty costs vary depending on vehicle model, age, and mileage. Buying a plan earlier in your car’s life can help you lock in a lower rate before the cost of repairs increases.
Think about it this way. A four-year-old Honda Civic and a ten-year-old Chevy Suburban have different repair costs. One car is older and more prone to breakdowns. If you were to get vehicle service contract quotes for both of these vehicles, you’d find higher prices for the Chevy Suburban.
Toco Extended Warranty Claims
Toco offers an easy-to-understand process for dealing with a breakdown. Here are the basic steps:
- Avoid driving your car if it would cause further damage
- Find a license repair facility (you can contact Toco for help)
- Give the facility a copy of your warranty contract
- The repair facility will seek authorization from Toco warranty
- Toco might send an inspector if the breakdown is extensive
- If the repair is covered, you’ll just pay your deductible to the facility
- Note that if the repair isn’t covered, the cost of diagnosis is also not covered
Who Accepts Toco Warranty?
Our Top Pick
After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.
- Unlimited Miles for Cars Under 20 Years
- Maintenance Coverage Available
- Salvage or Rebuilt Cars Are Covered
- 24/7 Roadside Assistance
- Direct Administrator of Claims
Toco Pros and Cons
Let’s pause for a moment and go over the main pros and cons of a Toco warranty:
| Pros | Cons |
| Your monthly rate stays the same as the car ages and repairs become more likely | Not as many plan options as some competitors |
| Customer service representatives are thoughtful and personable | Month-to-month plans can become expensive over the long term |
| Covers up to 250,000 miles, which is more than many competitors |
Toco Warranty Customer Service
Toco has a positive reputation with high customer reviews on multiple platforms. It maintains an A+ rating with accreditation from the BBB, for example. This rating reflects how Toco handles complaints on the platform. The company has had 44 complaints in the last 3 years, which is much less than some other extended warranty providers on the market.
Since Toco is a direct administrator, it has an incentive to make customers happy through the whole claims process. Many reviews mention Toco agents by name and say they are helpful in getting claims covered.
Toco Warranty Reviews
Toco customer reviews on the BBB give the company 4.5 stars overall. Similarly, Toco reviews on Trustpilot rate the company 4.7 stars. Toco has 530 reviews on Trustpilot and 92% of them are four- or five-star reviews.
Positive Toco reviews show many customers get their claims covered without an issue. Reviewers say Toco’s agents are responsive and help cover repairs according to the contract. We noticed many positive reviews about the claims process, which is good to see. Some other companies only get positive reviews about the purchase process.
Negative Toco reviews show some customers have had issues with customer service or getting claims covered. One reviewer on Trustpilot said the attitude of customer service agents depends on who you get. Other customers were disappointed to find that certain repairs weren’t covered. That said, Toco responds to negative reviews and attempts to make things right.
Toco Vs. Competitors
| Company | Maximum Mileage | Sample Monthly Payment | Number of Plans | Added Benefits |
| Endurance | Unlimited | $138 | 6 | Roadside assistance, rental coverage, trip interruption plus Elite benefits |
| Toco | 250,000 | $79 | 4 | Roadside assistance, rental coverage, trip interruption |
| Everything Breaks | 250,000 | $108 | 5 | Roadside assistance, rental coverage, trip interruption |
| autopom! | 150,000 | $110 | 3 | Roadside assistance, rental coverage, trip interruption |
| Olive | 185,000 | $120 | 3 | Towing, rental car coverage |
Who Should Buy a Toco Warranty?
Conclusion: Is Toco Warranty Worth It?
Toco Warranty Review FAQs
Here are a few answers to some common Toco warranty questions:
How We Rank Extended Warranty Providers
We take a methodical approach to rating warranty companies. Here’s what that includes:
- Coverage: We consider things like the number of plans, mileage limit, maintenance coverage options, and added benefits to score companies in this area.
- Cost and buying experience: We get quotes from providers and pay attention to the experience with customer service. We also consider a company’s transparency during the buying process through sample contracts and clear coverage descriptions.
- Reputation: This category includes a company’s longevity plus its rating on the BBB and whether or not it has BBB accreditation.
- Customer service: To rate customer service, we look at BBB customer ratings plus Trustpilot scores. We also note whether the company is a direct warranty provider.
Brogan Woodburn
Advertiser Disclosure: Consumer Review Center might earn compensation from the companies featured on this page. This compensation could affect the placement, order, and visibility of products, but it does not affect the recommendations made by the editorial team. Not every company, product, or offer has been reviewed.
Related Resources
Endurance Car Warranty Review
Endurance is the nation’s leading provider of extended auto warranties. They administer their own contracts and have clearly defined coverage options. There is never any secret as to what coverage you have purchased.
TOCO Warranty Review
We rate Toco warranty 4.6 overall and recognize it for having low monthly payments compared to other vehicle service contract providers.
Omega Auto Care Review
Omega Auto Care warranty has three types of vehicle service contracts that cover everything from new to older cars with less than 250k miles. Each coverage plan comes with many benefits, including roadside assistance, rental car reimbursement, and trip interruption, at no additional charge.
Warranty Direct
Warranty Direct has an A+ rating with the Better Business Bureau through Interstate National Dealer Services, one of the administrator of their contracts. This company offers a variety of coverage plans for new and used vehicles.
Shanda moore - January 6, 2020 @ 19:45
Very useful locked my keys in my car while it was running. I contacted toco roadside service and they had the tow service at my door in 15 min very satisfied
Matthew Mohr - February 3, 2020 @ 15:08
I had my transmission go out on my 2016 Nissan Sentra last year. TOCO paid for it to be fixed, with no hassle. They have a representative come in to which ever mechanic you choose. As long as the repair falls under your plan of coverage. They’ll pay for it. What would have costed me $4,000 out of pocket. Costed me a $100 (the deductible).
I had my transmission go out on my 2016 Nissan Sentra last year. TOCO paid for it to be fixed, with no hassle. They have a representative come in to which ever mechanic you choose. As long as the repair falls under your plan of coverage. They’l
Deborah B. - February 18, 2020 @ 15:04
I had excellent service and would recommend them to others. Fixed my engine on my dodge with no problems. Would highly recommend them to my family and friends.
Jean M Dorsinville - February 28, 2020 @ 15:28
I bought a warranty from TOCO with a contract that gives me bumper to bumper protection. On the 19th month of the contract, I had a problem with one of the windows that refused to open or close. Took my car to the Mercedes dealership. Approved at the cost of $500+ plus the $100 deductible. Five months later, I developed a problem with the engine that gave me a signal to have it looked at. $3300 was the cost of repair. TOCO told me to find a cheaper mechanic. I asked TOCO to recommend one because they could only approve $700. They couldn’t find a mechanic to recommend in my area. I had to fork over $2600 out of pocket to my dealer.
I bought a warranty from TOCO with a contract that gives me bumper to bumper protection. On the 19th month of the contract, I had a problem with one of the windows that refused to open or close. Took my car to the Mercedes dealership. Approved at the
Jason S. - March 11, 2020 @ 16:28
Eric was very helpful with my account. I am very thankful to the TOCO team for helping me resolve the issue!! Would recommend this company to friends and family.
Mike - March 12, 2020 @ 14:29
Found a way to wiggle out of coverage for things that were clearly covered. Waste of money!
Donald Hill - May 4, 2020 @ 17:23
*******Warning you guys do not employ this Warranty Service ******* I just got denied for repairs for my transmission (Service B contract) 2015 GMC Yukon. I take my vehicle to the dealer for all repairs even oil changes ! Spoke to the adjuster this AM (Chris) and he stated he denied me because my Transmission lines had been leaking for maybe months ( mind you I purchase the vehicle used so in mind that’s the reason we purchase warranties!!! I have a garage I would literally see transmission fluid never the less the dealer didn’t sign off on the inspectors report because even they knew Toco was attempting every angle to not honor my claim. With that being said I made the dealer print my last 6 months of Multi Inspection reports oil changes etc…every time it’s an interaction with GMC they give a complimentary Multi-Point inspection to physically tell me what the vehicle is in need of repairs. Even OnStar monitors it. No this adjuster Chris tells me there is no dispute process everything ends with him What a Joke of a company I’m terminating my contract and warning every single forum ,review , and warranty social media I can.
Don Hill
*******Warning you guys do not employ this Warranty Service ******* I just got denied for repairs for my transmission (Service B contract) 2015 GMC Yukon. I take my vehicle to the dealer for all repairs even oil changes ! Spoke to the adjuster this
Thomas Price - July 8, 2020 @ 23:04
I had a ignition coil replaced on June 26, 2020. I submitted a claim which was denied because the part was ‘ Excluded’. However when I read the contract the part was not listed in the ‘Exclusion’ section of the contract. I called back to submit the claim and pointed out the obvious and again was denied. I am still following up on this legitimate claim and still hope that a fair resolution will be made on my legitimate claim. Come on Toco live up to the contract I bought and do the right thing by your customer.
I had a ignition coil replaced on June 26, 2020. I submitted a claim which was denied because the part was ‘ Excluded’. However when I read the contract the part was not listed in the ‘Exclusion’ section of the contract. I cal
Jeff Hammik - December 6, 2022 @ 15:19
I purchased a new warranty from Toco about 2 years ago. This review is a bit overdue. I had 2 claims covered during the past 2 years and having the coverage paid off. They didn’t cover everything, but took care of the most expensive repairs which was more than what I paid for the coverage. At the end of the day I’m happy that I got it. Plus, monthly payments are reasonable.
I purchased a new warranty from Toco about 2 years ago. This review is a bit overdue. I had 2 claims covered during the past 2 years and having the coverage paid off. They didn’t cover everything, but took care of the most expensive repairs whi
LaShaunda King - April 29, 2023 @ 04:59
I bought a used car in June of 2022, a 2013 Infiniti JX35 in Nashville, TN. The dealership did not offer a warranty so I looked to purchase one. My company’s discount website recommended Toco and after speaking to the representative for a week, I decided to purchase because of the price and coverage. I get my cars maintained regularly but the transmission went out on April 23rd 2023. I took it to the transmission shop told to me by Toco. They said the process was fairly easy because I was very nervous. The shop said that I have a CVT transmission which are known to go out. They did a full diagnostic and sure enough the transmission is gone. Toco warranty said they had to send out an inspector who said the transmission fluid is too low to determine the cause, my car is full of transmission fluid! But Toco denied my claim. The adjuster Ralph said the car needs transmission fluid so I asked Aamco to put some in there and they sent out the adjuster again. I got a call from Madison who was a very rude claims adjuster and was told it was my fault because I failed to properly maintain the vehicle. I haven’t even had the car a full year and haven’t driven it 30k miles yet for transmission maintenance which is what is stated. Now I have to find a way to come up with 6700.00. Toco is a rip off DO NOT PURCHASE A WARRANTY FROM THEM! They have taken my money for months!
I bought a used car in June of 2022, a 2013 Infiniti JX35 in Nashville, TN. The dealership did not offer a warranty so I looked to purchase one. My company’s discount website recommended Toco and after speaking to the representative for a week,
Wayne Ewer - May 17, 2023 @ 16:22
If the clam goes over $1500 Toco find ways not to pay.They wil send a specialist to the repair facility then call you next day to tell you the issue is with something else not covered under warranty.
Jasmine - May 31, 2023 @ 17:15
Beware, i previously had a policy with Toco Warranty Corp. They charged 150 monthly. Toco Warranty Corp. never acknowledged ANYTHING..all the work done to my car was paid outta Pocket. My check engine light came on and several tests was done pre Toco Warranty Corp requirements that showed PROOF of the condition . Toco Warranty Corp still refused any part of acknowledging the WARRANTY !!! THERE SCAMMER BEWARE . I took it to the car shop they RECOMMENDED . The car shop sent all information & documentation , also I submitted RECEIPTS. The manager OF Toco Warranty Corp stated they would not help (basically) even with PROOF from the car shop they sent me too , which stated that there recommendation was that services was need and which fell under the WARRANTY , money wasted for years just so Toco Warranty Corp can never acknowledged any thing . the company wanted tests done SEVERAL TIMES , remind you all the money spent for all testing comes outta the (customers ) POCKETS, even with compliance with what Toco Warranty Corp stated to be done and with in reasonable timing done . There was no help from Toco Warranty Corp in which I paid monthly for years , please read reviews BEWARE OF THIS COMPANY 😡
Beware, i previously had a policy with Toco Warranty Corp. They charged 150 monthly. Toco Warranty Corp. never acknowledged ANYTHING..all the work done to my car was paid outta Pocket. My check engine light came on and several tests was done pre Toc
Surena - July 2, 2023 @ 06:59
I’ve been with Toco Warranty almost 3 years my car went to the shop for engine repair unfortunately they didn’t cover the cost. I paid 220 a month do the math engine not covered so I didn’t go back to them it’s sad to say I wish I would have chosen someone eles all the money I paid is gone 😔. They charge you but don’t acknowledge alot of things plz read the contract carefully before going any further.
I’ve been with Toco Warranty almost 3 years my car went to the shop for engine repair unfortunately they didn’t cover the cost. I paid 220 a month do the math engine not covered so I didn’t go back to them it’s sad to say I wi
Katie - July 11, 2023 @ 14:18
I purchased this toco warranty in August of 2020.. the very next day after purchasing my car.
It was an older used car that I could afford so having toco there if something were to go wrong was good to know if I needed them. HA!
I was scammed.. 100%
I brought my car to pep boys February of 2023 because my engine had been tapping for some time. (An engine valve tap)
I provided toco with all my receipts and was told I kept great records on my vehicle.
I was told the engine tapping was not a failure so they would not accept my claim to replace the engine. My car was burning oil. I was putting in oil almost every week.
I was told to clean up the valve gaskets and change the pcv valve which I did.. run the car for awhile.. keep track of how much oil I put in etc which I did!!!
Toco CLEARLY states in the contract that I could very much do the labor work myself as long as I have receipts to proof so.. but I figured I didn’t want to mess anything up so I took it to my mechanic (who has a moblie business and comes to my home) so I’d have the “verifiable receipts.”
Time passes.. I kept driving my car even with the engine tapping. Keeping track of my oil. Did everything they asked me to do. Now it’s the end of June at the time I bring my car back to Pep Boys and with all of my toco information to let them know though my engine is STILL tapping..
My engine is now struggling to accelerate. I couldn’t even get on a major highway to do 65mph..
the rpm was going so high working the engine twice as hard to move and I would only be going 30 mph.
IT IS NO LONGER SAFE TO DRIVE THIS VEHICLE!!
I was told it’s the transmission code by pep boys. Toco says it’s an engine block. NOBODY from toco ever fully diagnosed my car!!! The guy from pep boys told me nobody gave him permission from toco to diagnose my vehicle. I STILL don’t know what the hell is wrong with it.
Toco closed my claim all because they keep saying they want “verifiable receipts.” THOSE ARE THE RECEIPTS I WAS GIVEN BY MY ASE MECHANIC!!
They then say, “What’s his LLC?”
“Where does he dispose his oil?” “Where is his business located?” Etc..
IN THE CONTRACT, IT STATES I NEED TO PROVIDE “VERIFIABLE RECEIPTS.” NO OTHER DEFINITION. NO MENTION THAT IT HAD TO BE DONE AT A SPECIFIC PLACE OR BY AN ASE / LLC MECHANIC
They even on and on interrogating me with these questions about my mechanic that has NOTHING to do with fixing my vehicle. I HAVE PROOF THAT THE WORK WAS DONE ON MY VEHICLE! SHOULDN’T THAT BE ENOUGH?!
I WAS TOLD BEFORE ALL OF THIS THAT I KEPT GREAT RECORDS ON MY CAR!! WHAT CHANGED?!
I AM ABSOLUTELY LIVID WITH YOUR SERVICE! I WAS 100% SCAMMED!
Without even letting me know, they closed my claim over the weekend.. (they were closed so I could not do anything.)
Monday goes by and never heard a word from them.. no phone call. NOTHING.
I haven’t had my car for 2 weeks!!
I NEED MY CAR!!
THEY STOLE 3 YEARS WORTH OF MY HARD EARNED MONEY AND I AM NOT LETTING THIS GO. I WANT MY MONEY BACK!
I purchased this toco warranty in August of 2020.. the very next day after purchasing my car.
It was an older used car that I could afford so having toco there if something were to go wrong was good to know if I needed them. HA!
I was scammed.. 100%
Sam - February 2, 2024 @ 18:33
I wish I can give ZERO star but unfortunately the lowest google allows is 1. SAVE YOUR MONEY THESE GUYS ARE SCAMMERS AND WILL NOT COVER ANYTHING. I had an issue with my car “ noise coming from the engine” when. I took the car to the dealer who diagnosed the car and they said there is misfiring and issue with camshaft therefore engine needs to be replaced cuz cost to fix will be high. We opened the claim with these TOCO guys who sent their examiner to the dealer to take a look at the car then they told me the claim is denied and that there is nothing wrong with car and that all it needs with oil change- they dealer gave me and gave them the report that identify the issue with the engine yet they still refused to cover and honor the contract. My car service is Martin is the adjuster Travis follow up for the case claim# 009290 . Stephanie customer service. Daniella supervisor to date with oil change done on time- all receipts were provided to them- they are just scammers and don’t want to cover or pay anything. I spoke to the supervisor and I asked for their report that states that no issues with the car because I told them I’m taking them to court for failure to honor their contract and the refused to send it and told me they can’t send any reports out. I have all names “ Martin is the adjuster – Travis was a follow up for the case – Stephanie is customer service and Daniella is supervisor “ DO NOT USE THEM AND DO YOUR RESEARCH- THEY ARE NOT GOOD AND YOU WILL END UP PAYING FOR NOTHINGt.
I wish I can give ZERO star but unfortunately the lowest google allows is 1. SAVE YOUR MONEY THESE GUYS ARE SCAMMERS AND WILL NOT COVER ANYTHING. I had an issue with my car “ noise coming from the engine” when. I took the car to the dealer who di
David Noland - May 22, 2024 @ 06:49
This is the 2nd claim that I have submitted for my MB 2008 SL550. The first claim was finally paid after my MB Service Rep sent a large portion of time explaining the issue (schematics) and that given the contract, should be covered. The initial claim quickly was rejected for foolish reasons which were never really explained with fact. 3 days later, I received a call from, I am assuming, an upper manager that apologized and over-rode the initial rejection. I have understood (through the discussions with the MB Service Rep, that the claims adjusters’ ‘bonus’ depends on how many claims that they can avoid/reject. The 2nd claim was even worse. It came down to the customer service reps call as to Exactly what is defined as ‘Trim’ which is not covered. She tried to say that basically any non-moving part. But soon realized that this argument did not work. At that point, she just kept saying that the Drive Shift collar was a Trim and therefore not covered. When I requested to speak with someone who may actually know what they were talking about, she refused adamantly and frankly was quite rude. Where there is vagueness in the contract (just what is defined as ‘Trim’ ?), you can be sure that a subjective call will be made to reject the claim.
This is the 2nd claim that I have submitted for my MB 2008 SL550. The first claim was finally paid after my MB Service Rep sent a large portion of time explaining the issue (schematics) and that given the contract, should be covered. The initial clai
Lloyd - July 11, 2024 @ 20:10
I have a 2006 honda odyssey I sign up for car shield had it over 5 years, I took my car to mechanic shop to service my car cause I’m going on a road trip but the mechanic told me that he heard a noise so it was my timing chain, So I called up car shield told my story and they replied and said that they denied my claim, I do not recommend car shield to anyone they take your money and false advertising I advise everyone that to get car shield
I have a 2006 honda odyssey I sign up for car shield had it over 5 years, I took my car to mechanic shop to service my car cause I’m going on a road trip but the mechanic told me that he heard a noise so it was my timing chain, So I called up c
Charlotte Harrison - July 11, 2024 @ 20:44
This is an email that I had to send to Toco today (7/11/24). Needless to say, my experience with them isn’t going well)
Hello,
I am emailing you as I am livid about how I’ve been treated by this company. I feel as though Ive been scammed!
I’ve had this policy since 2022 & have never been successful regarding having the ability to utilize it.
I’ve previously called in regarding 2 prior issues and of course the parts that my car had issues with weren’t covered.
For that reason, when my car had its most recent issue and with me knowing that I’d try yet again to utilize this policy that I am billed for EVERY month, I thought it best to call in and speak to a rep prior to putting my car in the shop.
On June 10, 2024 I called in and spoke to a rep. I explained to them that my car was probably going to need an AC condenser based on the symptoms it was displaying. I asked was that part covered if in fact I was correct. I was told “ yes”. I then asked “ is there anything else that I need once I’m ready to take the car to the shop”. I was told “ no, your policy is active and the only thing you’ll need to do upon dropping your car off at the mechanic is to provide him with your name, phone # address and the policy # and we will take it from there with him”.
On July 10th, my car was serviced and it was in fact the AC condenser. The mechanic fixed it and today ( July 11th 2024) called this company to seek payment. He was then told that my policy had expired and that no payment would be provided. Of course the mechanic called me immediately at which point I began calling reps and supervisors.
Today I spoke to a total of 6 people, with 3 of them being your reps. All 3 of them said “ your policy is showing as “ active” and we don’t see where you’re having an issue. I then get transferred to a 3rd party company. I wasn’t even aware that there was a 3rd party. I pay my money monthly to TOCO and was never made aware that it wouldn’t be TOCO that I’d be dealing with whenever I were to actually be able to put a claim in.
I ask for a supervisor at this 3td party company who tells me that I’m 1000 miles over the mileage for my policy and that there was nothing he could do to help resolve this issue.
I then call TOCO back and speak to a supervisor ( Daniella ). After explaining everything to her, she said “ let me look over your account and see what your mileage was on June 10th when you initially called in regarding this claim”. I informed her that she probably wouldn’t find that info because that rep never asked me for that info. Her response “ oh wow, well the reps are supposed to ask you for the mileage when you’re discussing putting in a claim”. My response “ well being that that didn’t happen, where does that leave me? I never would have even put my car in the shop had I been made aware that I was 1- over the mileage and 2- that I’m ultimately being charged monthly for a policy that I can’t even utilize “. She said she’d speak to a higher up and call me back in about an hour. After 4 hours passed and I hadn’t received a callback from her, I called back and got a supervisor by the name of George.
George said that he’d attempt to go to bat for me with whoever he was about to speak to because he could see why I could be frustrated. Ultimately George was only able to provide to me a refund of $194 which is the equivalent of 2 months worth of payments that I’ve made to this company. That is robbery! My job is only 10 mins from my house and that is what I primarily utilize this vehicle for as I have another car that I utilize for leisure time. So, if in fact this 1000 miles are an issue, well theyve been an issue for well over 2 months as I do not drive this car often.
To only offer me back $197 after me paying into this company since 2022 while never being able to submit a claim because of things not being in contract and now with me getting the Greenlight to put my car in the shop via the June 10th call, combated with the fact of me still being billed monthly as if I could use this police is laughable.
I am seeking the assistance of someone in the corporate division being that no reps nor any supervisors could find a better resolve for me today.
My car is in the shop still with a $1400 bill attached to it from the mechanic. I am not prepared to pay $1400 that I had no idea id even be faced with.
Can someone look into this situation please and get back to me.
This is an email that I had to send to Toco today (7/11/24). Needless to say, my experience with them isn’t going well)
Hello,
I am emailing you as I am livid about how I’ve been treated by this company. I feel as though Ive been scammed!
I’ve