Toco Warranty Car Warranty Review

Rating: 7 / 10 (Very good)
19 Customer Comments & Reviews - see all comments
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Founded in 2013 and headquartered in Sherman Oaks, California, Toco Warranty Corporation offers simple and affordable auto warranty coverages that are backed by the financial strength of their parent company, AmTrust Financial Services, Inc. The company boasts a streamlined claims process and offers affordable monthly payments, a nationwide network of repair facilities, and no down payment requirements.

How is Toco Warranty rated?


Service Contract
Claims & Repairs

Overall Rating: 7 / 10 (Very good)

Toco Warranty Corporation offers coverage amounts based on client's car's mileage and age while still keeping fees affordable. The company not only strives to provide excellent service but also seeks to educate customers by providing plans and benefits that are uncomplicated and easy to understand. If that were not all, Toco's highly comprehensive coverages are backed by AmTrust Financial Services, Inc., which holds an "A" (Excellent) rating with A.M. Best. As one of the foremost auto warranty providers we have reviewed thus far, Toco's plans and unbeatable service standards are sure to win the business of any shrewd consumer looking for quality vehicle protection.

Coverage Overview

Key Facts

Plan Types
Powertrain Coverage
Named Component Coverage
Exclusionary Coverage
Types of Vehicles Covered

Coverage - 7 / 10

Toco offers four plans with different levels of coverage, the Blue, Green, Yellow, and Orange. The plans protect all main vehicle parts and components, including engine, transmission, drive axle, transfer case, turbo/supercharger, electrical, cooling system, air conditioning, fuel system, brakes, steering, suspension, and high-tech electronic components. Toco also extends a Mechanical Breakdown insurance for California residents, which is a complete insurance product on its own. Besides providing excellent comprehensive coverages and straightforward service agreements, the company also offers 24-hour roadside assistance, rental benefits, trip interruption coverage, and hotel discounts with all their plans.
Limit of Liability: Limits of Liability for the Blue Coverage: a. Per Repair Visit - Our liability for any one (1) Repair Visit shall in no event exceed the trade-in value of Your Vehicle at the time of said Repair Visit, as listed in the NADA Used Car Guide. b. Aggregate - The total of all claims and benefits paid or payable while this Contract is in force shall not exceed $15,000. Limits of Liability for the Green, Yellow, and Orange Coverages: a. Per Repair Visit - Our liability for any one (1) Repair Visit shall in no event exceed the trade-in value of Your Vehicle at the time of said Repair Visit, as listed in the NADA Used Car Guide. b. Aggregate - The total of all claims and benefits paid or payable while this Contract is in force shall not exceed the NADA Retail Value for Your Vehicle at Contract Purchase Date.

What does Toco Warranty cover?

Powertrain Coverage

  • Engine
  • Transmission
  • Drive Axle Assembly

Specialty Coverage

  • High Tech Electronic Components

Component Coverage

  • Factory Air Conditioner
  • Brakes
  • Engine Cooling System
  • Electrical Components
  • Front & Rear Suspension
  • Fuel System
  • Steering

Additional Benefits

  • Substitute Transportation
  • Trip Interruption
  • Roadside Assistance


For a full list of Toco Warranty exclusions, check out this page.

Claims & Repairs


Deductible Options
Maintenance Records Required for Service?
Waiting Period
30 days and 1,000 miles

Repairs & Service

Repair Facility Selection
Any Facility

Claims & Repairs - 6 / 10

All Toco warranty plans have a per-visit deductible which, if not specified in the client registration page, will amount to $100 per visit. Should a covered Breakdown take more than one visit to repair, only one deductible per breakdown will apply. Although the company allows clients to choose their own repair shops, those who have their vehicles serviced at one of Toco's preferred facilities will get an additional $50 off their deductible. As is the case with most car warranty providers, there will be a coverage waiting period of 30 days and 1,000 miles from the contract purchase date and odometer mileage at the moment of purchase and maintenance records will be required for service.

Toco Warranty Service Contract

Contract Details

Contract Length
Coverage under this Contract will expire according to the Month and Mileage Term, whichever occurs first, as shown on the Registration Page, or when the Limits of Liability for the Contract have been reached.
Vehicle Inspection Required for Contract?
Transferability of Warranty?

Sample Contract

Toco Warranty provides a sample contract for potential customers on its website: Toco Warranty Sample Contract

Service Contract - 7 / 10

Coverage under Toco's contracts will expire according to the month and mileage term, whichever occurs first, as shown on the registration page or when the limits of liability have been reached. One detail the sets the company apart from other competitors is that they offer a longer-than-average cancellation policy, providing up to 60 days for clients to cancel contracts and get a full refund minus claims paid and a 5% administrative fee. Clients who cancel after the first 60 days will get a 90% refund minus claims paid. If Toco is the one that terminates the contract, they will provide a 100% refund of the unearned pro rata premiums minus claims paid, yet only if in the event of material misrepresentation, odometer tampering, failure to maintain the motor vehicle as prescribed by the manufacturer, or nonpayment of premiums.

Company Reputation

Company Details

Year Founded
Vehicle Protection Association Member?
Number of Employees
Company Backed By
AmTrust Financial Services, Inc.

Customer Reviews

BBB Rating
BBB Positive Reviews
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 8 / 10

Toco Warranty Corporation is a Better Business Bureau-accredited company with an A+ rating and a composite score of 4.85 out of 5 stars based on 40, overwhelmingly positive, customer reviews. Clients who have purchased vehicle protection plans from the business unanimously agree the company goes above and beyond regarding customer service and claims processing. With such exceptional ratings and customer feedback, we can safely say Toco is among the best and most trusted car warranty providers in the industry.

Contact & Additional Information

Homepage URL
Company Phone
(855) 298-8626
Headquarters Address
15301 Ventura Blvd., Bldg B, Suite 310, Sherman Oaks, CA, 91403

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19 Customer Comments & Reviews

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John I
New Windsor, New York
As far as speaking Stuart Sharp, He is very kind and courteous. He set me up with the right package and looking forward to using the benefits that come along with it.

Carl g
Minneapolis, Minnesota
Does toco fic fuel injection. Waterpump carburetor fuel pump starter anything dealing with engine and m poo tor

John F
The Bronx, New York
I had heard some very bad things about Toco , that they took forever to pay or they didn't pay. I must say they have been very good to me .very timely inspection even when repair shop found other issues. One of the best moves I ever made was getting Toco.

Pepe D
Escondido, California
I purchased a Toco Warranty about six months ago. The process with the representative was very pleasant and professional. I have since needed repairs done to my Toyota Camry ( Engine Mounts). I gave the the automotive repair facility my warranty information and they said the process of getting authorization for repairs and getting paid went through very well. It also went very well for me as I really could not afford the repairs at the time. I paid my deductible and I'm happy. Thanks Toco!!! I believe I made a good investment for my car.

David C
Cleveland, Ohio
Great stuff. Good people.

Bridgewater, Massachusetts
It is a rip off, they pay 75 an hour and the shops around here are between 90- and 100, I ended up paying as much as toco did, so much for protection, they should contract with shops who will do the work for 75 an hour, and let us the consumer where they are, I am not a happy camper. I was told that some of the parts weren't covered fully because they were after market, and that toco could get it cheaper. OMG Edward Rogers

Terry G
The warranty on the car that I bought had expired. So I purchased extended car warranty from toco warranty. Their rep was knowledgeable, offered a good price, and explained everything well. Getting the policy started was an easy going experience.

I purchased a protection plan from Toco Warranty for my vehicle. I was satisfied with the plan plus the protection specialist was also very cooperative and informative. He answered all my questions and was nice. I would recommend them for the kind of plans and warranty along with the assistance they provide to their customers. Along with that the dealer network they have spread all across the country adds up to a great experience. I don’t have to worry about going to a body shop or a dealer that I don’t really like.

Chuck R
Canoga Park, California
These companies are all a scam who prey on the poor with no credit. If you had a credit card you could just pay for the repair bill yourself. This article is about spending a modest $1200, this company charges 2,3 and 4 times that amount for a coverage plan that really doesn't cover anything.

Chuck R
Canoga Park, California

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