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Olive Review

Michael Graw

In a Nutshell

Olive provides auto insurance for mechanical breakdowns instead of accidents. This is great when you need a big engine repair or something goes wrong with your car’s electrical system. You can choose your deductible, and coverage starts the day after you purchase a policy. Olive offers 3 relatively comprehensive coverage levels, with all components covered in full for the length of your contract. However, pre-existing conditions aren’t covered.

pros

  • Choose your plan and deductible
  • Take your vehicle to any state-licensed mechanic
  • Policies are transferable if you sell your vehicle

cons

  • New coverage only for vehicles with fewer than 100,000 miles
  • No mobile app to file claims

Olive Olive Visit Site

Olive Plans

Olive offers 3 plans with varying levels of coverage. On top of that, you can choose a $100, $250, or $500 deductible for each plan. All plans include up to $100 for towing per breakdown, plus car rental reimbursement of up to $35 per day for 5 days.+

To sign up for a plan, your car must be less than 10 years old and have fewer than 100,000 miles.


Powertrain

Best for engine and transmission coverage

Powertrain Plus

Best for AC & electrical coverage

Complete Care

Best for luxury vehicles with electrical accessories

Air Conditioning
X
Brakes
X
Cooling System
X
X
Drive Axle
Electrical Components
X
Engine
Suspension
X
Fuel
X
Gaskets
Steering
X
Transfer Case
Transmission
Turbo/Supercharger

Optional Add-Ons

To keep things simple, Olive doesn’t offer any add-ons to its base plans.

Plan Exclusions

Olive plans don’t cover pre-existing conditions, whether you already know about them or not. It also won’t cover damage caused by negligence on your part, such as failing to change the oil. In addition, your policy won’t cover normal wear and tear or routine maintenance like oil changes.

Olive Plan Pricing

Olive’s plans range from as little as $15 per month to as much as $250 per month depending on the make, model, age, and mileage of your vehicle. For a relatively new vehicle with less than 20,000 miles, expect to pay around $25 per month for the Complete Care package with a $500 deductible. For a car that’s approaching 10 years old or 100,000 miles, the Powertrain plan starts at $40 per month. Overall, these prices are on the low side for the extended warranty industry.

One thing to note is that all Olive policies are 3-year contracts with monthly payments. Your price will remain fixed for the duration of your contract, and you can cancel anytime within the 3 years for a prorated refund.


Powertrain
Powertrain Plus
Complete Care
2015 Subaru Crosstrek with 50,000 miles ($250 deductible)
$36.80 per month
$50.60 per month
$92.00 per month
2019 Ford F-150 with 15,000 miles ($250 deductible)
$16.37 per month
$16.37 per month
$19.04 per month

How to file a claim with Olive

If your car breaks down, you can have it towed to any state-licensed repair shop or find a shop using the RepairPal mobile app, with which Olive has a partnership. Then simply call Olive to file a claim. Olive will work with your repair shop to figure out what’s covered and what’s not on your bill, and the company will pay the mechanic directly for any covered costs, so you don’t have to pay anything out of your own pocket except your deductible.

Is Olive Legit?

Olive has an A+ rating with the Better Business Bureau and 4.5 out of 5 stars from Consumer Affairs. The company also has an A rating from A.M. Best for its financial ability to pay out claims.

What’s Unique About Olive?

Olive is unique in how simple its plans are. The company offers a clear list of parts and services that are covered under each policy, and your coverage is the same regardless of whether your car has 10,000 miles or 100,000. On top of that, you don’t need to have your car inspected to qualify for coverage, and your policy takes effect just 1 day after you purchase it.

Another unique thing about Olive is that its policies are transferable. So, if you sell your vehicle, you can sell your Olive policy with it. That can increase the value of your vehicle and provide peace of mind for the new owner.

Help and Support

Olive offers customer service by phone, email, and live chat. You can call or chat with a representative 5 AM-8 PM (PT) Monday-Friday or 9:30 AM-6 PM Saturday and Sunday. We got in touch via live chat and were connected with a representative in under a minute. If you want to file a claim, claims specialists are available by phone from 7 AM-4 PM Monday-Friday.

Olive also has a blog and FAQs page that explain more about how coverage works and how to file a claim over the phone.

What about the Olive app?

Olive doesn’t have an app at this time. If you want to file a claim, you’ll need to call the company.

Olive Olive Visit Site

Bottom Line

Olive offers an extended car warranty that covers you in the event of a mechanical breakdown. The company’s policies are inexpensively priced for many vehicles, and you can choose between a $100, $250, or $500 deductible. Coverage starts the day after you purchase your plan, and you can easily file a claim over the phone. Overall, Olive is a trustworthy company that’s worth a closer look if you want protection against breakdowns.

FAQs

Does Olive cover routine maintenance?

No, Olive does not cover routine maintenance, only mechanical failures and breakdowns.

Will Olive cover towing?

Olive offers reimbursement up to $100 for towing per breakdown.

Can I cancel my Olive car warranty?

Olive policies are paid monthly on 3-year contracts, but you can cancel at any time.

Michael Graw is a freelance writer and journalist based in the Pacific Northwest who writes for top10.com.

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