Compare Carchex vs. Warranty Direct Car Warranties

What’s the difference between CARCHEX Car Warranty and Warranty Direct Car Warranty? See how our editors compare the two companies below.
Last Updated: December 04, 2017
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CARCHEX Car Warranty
9.8 / 10 - Excellent
#2 in Car Warranties
Warranty Direct
8.4 / 10 - Excellent
#5 in Car Warranties
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Key Facts

  • Wide selection of extended warranty plans
  • 150,000 miles
  • 10 year vehicles
  • Corporate credit card payments
  • 30 day money back guarantee
  • Deductibles 
  • 25,000 dealerships and repair facilities
  • Up to 100,000 miles
  • 30 to 60 days Money back guarantee
  • No claim limits
  • Multiple payment options
  • No upfront payments
  • Deductibles may apply
  • Choose you own repair service

OVERALL RATINGS

 CarchexWarranty Direct
Coverage10/109/10
Service Contract10/108/10
Claims & Repairs9/108/10
Reputation10/108/10

Coverage Overview

Key Facts

 CarchexWarranty Direct
Plan Types
Powertrain Coverage
Named Component Coverage
Exclusionary Coverage
Powertrain Coverage
Named Component Coverage
Exclusionary Coverage
Types of Vehicles Covered
New
Pre-Owned
New
Pre-Owned
Limit of Liability: Single Claim Limit - the trade-in value of the vehicle; Aggregate Limit - the vehicle purchase price or the NADA retail value of the vehicle at the time of the current repair.
Limit of Liability: Limit of Liability for the Elite, Wrap, Premier, and Preferred Advantage Plans: a) The maximum limit of liability per loss shall be equal to the actual cash value of the Vehicle at the time of repair. b) The aggregate limit of liability for each Service Contract shall not exceed the retail price of the Vehicle. *Limit of Liability for the Standard Advantage Plus Coverage: The maximum limit of liability per covered vehicle for all claims paid or payable during the term of the contract shall not exceed a total dollar amount of twelve thousand dollars ($12,000.00). Once the maximum limit of liability has been reached, as defined above, the contract, its transfer, and cancellation rights terminate. *Limit of Liability for the Standard Advantage Coverage: The maximum limit of liability per covered vehicle for all claims paid or payable during the term of the contract shall not exceed a total dollar amount of twelve thousand dollars ($12,000.00). *Limit of Liability for the Standard Essential Coverage: The maximum limit of liability per covered vehicle for all claims paid or payable during the term of the contract shall not exceed a total dollar amount of seven thousand three hundred dollars ($7,300).

Coverage Compared

Powertrain Coverage

Carchex
vs
Warranty Direct
  • Engine
  • Transmission
  • Drive Axle Assembly
  • Engine
  • Transmission
  • Drive Axle Assembly

Specialty Coverage

Carchex
vs
Warranty Direct
  • Commercial / Business Use
  • Hybrid / Electric Vehicle Components
  • Windshield Repair
  • Key Loss / Damage Protection
  • Factory Navigational System
  • High Tech Electronic Components
  • Factory Navigational System
  • High Tech Electronic Components

Component Coverage

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

Additional Benefits

Carchex
vs
Warranty Direct
  • Substitute Transportation
  • Trip Interruption
  • Roadside Assistance
  • Substitute Transportation
  • Roadside Assistance

Exclusions

For a full list of Carchex exclusions, check out http://docs.carchexcdn.net/coverages/CARCHEXcare-Royal-Sample.pdf

Claims & Repairs

Claims

 CarchexWarranty Direct
Deductible Options
$50, $100, $200
Maintenance Records Required for Service?
Yes
Yes
Waiting Period
30 days and 1,000 miles
30 days and 1,000 miles

Repairs & Service

 CarchexWarranty Direct
Repair Facility Selection
In-Network Only
Number of Mechanics
30,000

Service Contract Details

Contract Details

 CarchexWarranty Direct
Contract Length
7 years; vehicle age, mileage, state, and other restrictions may apply
*New/Used as New Vehicle Contract: Coverage under the contract begins upon expiration of the Waiting Period. The contract will expire according to the time/mileage of the contract selected, whichever occurs first, as shown on the Application Page. Contract expiration is measured in time from the contract purchase date and mileage from zero (0) miles. *Used Vehicle Contract: This contract will expire according to the time/mileage of the Contract SPECIMEN selected, whichever occurs first, as shown on the Application Page. Contract expiration is measured in time from the contract purchase date and mileage from the odometer mileage at contract purchase date.
Vehicle Inspection Required for Contract?
No
Transferability of Warranty?
Yes
Yes

Sample Contract

Carchex provides a sample contract for potential customers on its website: http://docs.carchexcdn.net/coverages/CARCHEXcare-Royal-Sample.pdf

Sample Contract

Warranty Direct provides a sample contract for potential customers on its website: https://www.warrantydirect.com/TCDocuments/WD-904-PremierAdvantage_NSC_1015.pdf

Company Reputations

Company Details

 CarchexWarranty Direct
Year Founded
1999
1983
Vehicle Protection Association Member?

Customer Reviews

 CarchexWarranty Direct
TrustPilot Rating
8.6 out of 10
8.9 out of 10
BBB Rating
A+
A+
BBB Positive Reviews
47
2
BBB Neutral Reviews
1
0
BBB Negative Reviews
17
20
Date Collected
2017-09-28
2017-10-20

Contact & Additional Information

 CarchexWarranty Direct
Homepage URL
Company Phone
(877) 227-2439
(800) 632-4222
Headquarters Address
118 Shawan Road, Suite 210, Baltimore, MD, 21030
6120 Powers Ferry Road, NW, Atlanta, GA, 30339
Mailing Address
118 Shawan Road, Suite 210, Baltimore, MD, 21030

Final Verdict

CARCHEX Car Warranty has a higher overall rating than Warranty Direct Car Warranty. Carchex scores better than Warranty Direct across: Coverage, Service Contract, Claims & Repairs, and Reputation.


Customer Comments & Reviews

T
tom c
Palm Desert, California
3/9/2017
CARCHEX Car Warranty review
everything was very professional


B
Bruce
Germantown, Maryland
3/9/2017
CARCHEX Car Warranty review
Karen Bowers made me feel like we were neighbors or like I was a friend of her family. I've never felt so great about making a purchase! She was great and very understanding of my situation! Very friendly, upbeat and relatable!


C
Craig l
Greensboro, North Carolina
2/28/2017
CARCHEX Car Warranty review
Desha Jackson was very professional and knowledgeable of the products and was able to assist my wife and I. Thanks, Craig Little


M
michy g
Bedford, Texas
2/28/2017
CARCHEX Car Warranty review
I had the opportunity to work with this organization to provide an extended warranty for my vehicle. The agent was very customer focused and knowledgeable about their programs. He validated what state I live in and noted that I work as a contractor who travels. The program that he presented was a great fit for my vehicle's age and condition. The pricing was also affordable.