Topics and Questions

• What does mechanical breakdown insurance cover?

  Mechanical breakdown insurance (MBI) is an extended service contract that covers the cost of repairing or replacing parts of a vehicle that experiences a mechanical breakdown. This type of insurance typically covers the cost of parts and labor associated with repairs caused by a mechanical failure. This coverage can be provided by an auto dealership or a third-party insurer, and it can be purchased separately from a standard auto insurance policy.

  In general, MBI covers the cost of repairing or replacing certain components of a vehicle, such as the engine, transmission, suspension, fuel system, brakes, air conditioning, heating, electrical system, and other major components. The coverage may also include towing and rental car reimbursement, depending on the insurer.

  MBI usually does not cover damage caused by accident, abuse, neglect, or worn-out components due to normal wear and tear. It may also not cover the cost of preventive maintenance, such as oil changes or tune-ups. This coverage may also include roadside assistance and other services, such as trip interruption coverage, which helps cover the cost of lodging and meals if your car breaks down while you’re on a trip.

  When considering mechanical breakdown insurance, it’s important to carefully review the terms and conditions of the policy to understand exactly what is and isn’t covered. Doing so will help you determine the right option for you and your vehicle.

• What is covered under my check engine light?

  The check engine light is a dashboard warning light that is part of the onboard diagnostic system (OBD-II). The check engine light is typically yellow, orange, or amber and can display the words “check engine.” In some vehicles, the indicator light can turn red or blink. If you see this, contact roadside assistance, repair shops, or an ASE Certified technician immediately to prevent further damage.

  A few common causes for a check engine light include:

  • The gas cap is loose
  • An oxygen sensor is bad
  • Spark plugs need to be replaced
  • Failing oxygen system
  • The catalytic converter is going out
  • The mass airflow sensor is faulty
  • The brake system is failing
  • Low oil pressure
  • The engine is misfiring

  It is essential to pay attention to your check engine light. Although it isn’t generally a reason to panic, ignoring the problem can put unnecessary strain on your car’s components and even cause catastrophic damage. Endurance auto protection plans can prevent you from paying out of pocket for expensive, unexpected engine repairs.

• When can I begin using my policy?

  Your coverage is active after the waiting period is over. The waiting period allows us to ensure your vehicle is working properly and is an excellent time for you to review your policy and make sure it’s the right coverage for you and your vehicle. Please refer to your contract for the time and mileage of your waiting period.

• How do I view my policy online?

  New policies may take up to 5 business days before being accessible through the portal. When your contract is active, you will receive an email summarizing your coverage, username, and contract number.

  To view your policy online, visit the Endurance Customer Portal. Sign in using your email address and password. You can view your contract, print your membership card, or make a payment in the portal.

  If you experience sign-in issues, please delete your browser history (or “cookies”) and try again. You can also contact our Customer Experience Team at 866.432.4443 or email [email protected] for help.

• How do I view my policy in the Endurance Mobile app?

  To view your policy in the Endurance Mobile app, you must first download it from your device’s app store. Download from the Google Play Store for Android phones or the Apple App Store for iPhone (iOS).

  Once downloaded, open the app and create an Endurance customer portal account or sign in using your email address and password (or contract number in all capital letters). View your policy information directly on the main dashboard.

  If you experience issues signing in, please delete the app and try again. You may also contact our Customer Experience Team at 866.432.4443 or email [email protected] for help.

• What responsibilities do I have to keep the coverage active?

  To keep your vehicle protection plan active, follow these best practices:

  • Read and understand your vehicle service contract to know what is covered and what can potentially void your plan.
  • Have your car serviced on time by scheduling routine maintenance checks.
  • Keep receipts and service records to assure that you have a paper trail of all your maintenance services if you ever need them.

• Are there additional benefits included with my policy?

  All Endurance vehicle protection plans come with additional perks, including 24/7 roadside assistance, rental car reimbursement, and our convenient and easy-to-use mobile app. New customers who purchase a vehicle protection plan can also receive 1 year of FREE Endurance Elite Benefits. These extras include:
  

  • Tire Repair/Replacement – Get reimbursed for up to 2 tire repairs/replacements per year.
  • Key Fob Replacement – Get a new one if yours is lost or broken.
  • Collision Discount – Receive up to $500 per covered collision ($1,000 limit).
  • Total Loss Protection – Get up to $1,000 towards a new vehicle if your car is deemed a total loss.

  A small activation fee applies to begin using Elite Benefits.