Complaint Review: Endurance

 I purchased the top of the line extended warranty from Endurance, and  wrote a check to them for just under $3500.  My truck blew an engine four months later, and two mechanics who were approved by Endurance agreed that the cause was abnormal wear and tear of cylinders 2 and 8. 

Their inspector was called to look and approve the repair.  This inspector also verbally agreed, while with the mechanics, that the wear and tear was abnormal.  The next day, I am notified by Endurance's agent that the claim was denied under "mileage" and "normal wear and tear".  This failure of the engine occurred at just  5,000 miles after they sold me on their product.  I was obviously surprised and upset. 

To try and satisfy me, Endurance offered me a full refund of premium.  Are you kidding me??   I didn't buy this product so I would receive a refund of premium, I wanted to know my investment was protected in case of failure.  I subsequently paid over $11,000, out of my pocket,  for a used engine to get my truck going.  I  was obviously surprised and disappointed by Endurance and their response.  In addition, since My truck was down for over two months throughout this process by the required procedure of Endurance claims, I rented a car for two weeks, then purchased an older vehicle to drive in the interim.. and I was awarded only a total of 4 days of rental car re-imbursement.  

I then began to research reviews online, only to find out that my experience was very typical of this company.  They offer refund of premium when clients are angry because of denied claims, they defer the blame to the "underwriter", or the "administrator of the service contract", or the "insurer".  Whomever I called, I was told it was anothers responsibility.   I have seen enough of the same nightmare I had to endure with Endurance, with the online complaints.  I believe this company should be subject to a class action lawsuit, and do believe the system they employ is a structured scam.