TOCO Warranty

I am a student at UIC and I decided to buy extended car warranty for my newly purchased 2005 Honda Civic. The process was pretty smooth and TOCO provided enough details to understand what’s covered and whats not. Pleasure to work with the company.

I don’t usually post reviews but this goes out to Toco. I bought an older Accord and was offered extended car warranty. Originally I did not want it but decided to give it a shot. Long story short, my fuel pump breaks in two months. I get it fixed and Toco takes care of the repairs. You never know what is going to happen and its always great to insure yourself. It worked well and I am happy.

I bought extended car warranty when I got my used Mitsubishi. One of the injectors went bad two months after I bought a car. The only hustle I had to deal with is my time spent on taking the car to the shop. Toco took care of business and I am so happy I bought it.

I wish I had gone with another company, when it came to submitting a claim they treated my claim as if I was lying and trying to fraud them. It was my first and only claim after being with them for 6 months but because it was a transmission issue (high ticket item) they were looking for reasons not to honor the plan. I though the main purpose of the company in taking out a warranty is to help lower out of pocket cost for the consumer but it was more about setting up direct withdraws to get paid !!!!! They are fast talking slick ads’ sales people that don’t deliver on what they advertise.

I had a breakdown on my AC and was a little nervous how this whole thing would work. It was GREAT! Toco helped me with my repair and also gave me a rental car while it was being worked on. The customer service team was quick to follow-up and make sure that I had a good experience. I’m really impressed with them and the way that they treat the customer. I’ll definitely get them again!

Horrible service. Stay away, especially if you live where it snows. Do you believe that they have in their contract that they will not pay if rust was on the part? Crazy but true. These California boys do not have to deal with SALT on roads to melt snow and ice. Whenever there is salt, there is rust. In my opinion, this is a con operation so stay away from them. I found another company which does not have this crazy exclusion and they are based here in the Midwest.

horrible experience!! they denied the claim after having me wait for a response for 8 weeks! They based the denial on the personal opinion of the adjuster. My engine broke down, they said it was too much to pay for, so they passed the claim to their supervising dept which then took 5 weeks to deny. I cant get the reason in writing; they claim I have to go through extra depts and steps. shady from the beginning. now I’m out almost $1000 in payments to them. People save your money! Their customer service reps are polite, but their claims reps are rude and out to deny claims right from. the beginning!

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 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.

*******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

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 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 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!

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 😡

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.