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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Allen J
Purchasing a plan from Toco Warranty was easy, and they were very helpful. Having extended warranty is very valuable to me because it means I would not have to pay a whole lot of money for repairs and car payments at the same time. Overall, I have had a very satisfactory experience with Toco Warranty and I would recommend it.

David C
I am really glad to be a member of Toco Warranty. I have purchased extended warranty from toco warranty a few months ago. Yes I like toco warranty services. I am telling everyone about the benefits and awesome customer service toco warranty provides while providing extended coverage to the vehicles; thorough and professional service is what I received.

Jeffrey A
I had a great experience dealing with toco warranty. I need to pay a small amount each month without any big down payment and the best thing is that I dont have to pay any interest, we can protect our financial stability for the vehicle with an extended warranty. I would definitely recommend toco warranty to a friend.

Andrew R
A few months ago, I bought extended car warranty from Toco warranty after a friend's advice. Yes Toco have the best customer care and services as promised by my friend. They provide simple and affordable services. One of the best part is that Toco warranty does not ask for a down payment to begin with your coverage.

American J
Hendersonville, North Carolina
My transmission was very clearly without a doubt covered , thats what they told me up front. Then it came time to use the warranty, what a bunch of liars and scam artists. I got the runaround and after 3 weeks of fighting with them they flat out denied coverage! I got an attorney involved who told me that they have covered themselves in the contract by disclosing the "right to refuse" coverage to anyone for any reason!! WHAT THE @*%#!!! Tell every one everywhere that this is a certified SCAM company that has absolutely no intention on paying out anything to anyone! READ THE CONTRACT!!

matthew e
Brush Prairie, Washington
Toco is a scam they refuse to pay for anything that is supposed to be covered on your plan DO NOT purchase anything from them they are a rip off

Tucson, Arizona
I had a few annoying hick ups through the few years of coverage but all in all they came through when I needed them. For the price it was good. Not great but good.

Daniel B
Toco warranty provide good services with great and cheap plan. I'm satisfied with toco warranty service. I buy a extended warranty from toco warranty.

john f
Savannah, Georgia
I tried 4 times to use this warranty and none of them were approved. I'll call ahead to see if the service was under warranty and they would tell me yes. When i turn the automobile in for the service they would deny it. I wouldn't recommend them to my worst enemy.

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10 / 10
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